KR20150059698A

KR20150059698A - Method for Card Recommendation and Issue with the Mobile Wallet and System using the same

Info

Publication number: KR20150059698A
Application number: KR1020130143240A
Authority: KR
Inventors: 남규한
Original assignee: 모지도코화이어코리아 유한회사
Priority date: 2013-11-22
Filing date: 2013-11-22
Publication date: 2015-06-02
Also published as: WO2015076604A1

Abstract

Provided are a method for card recommendation and issuance with a mobile wallet and a system using the same. The method for card recommendation according to an embodiment of the present invention recommends the best card to a user through a simulation based on real payment information of the card which the user possesses and other card information of other cards. Since the simulation is performed through a server specialized for this, the simulation can be used for all of the released cards. Therefore, the present invention can recommend the best card for a user card usage pattern.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile wallet,

The present invention relates to card recommendation and issuance, and more particularly, to a method and system for recommending a card such as a credit card or a check card and issuing a card when the user requests it.

Currently, many types of credit cards are available from various credit card companies. The benefits of discounts and points earned by credit cards are as diverse as credit cards.

Since credit card usage patterns are different for each user, the profit of credit card benefits can vary greatly depending on which credit card is used. As a result, it is advantageous to use an optimal credit card as a benefit to your usage pattern.

The credit card which is advantageous for the user should be selected by the user himself, and as described above, there are many types of credit cards that are released, and it is impossible for the user to grasp what kind of credit card has any benefit, Is difficult to achieve.

On the other hand, although there is a service that recommends a credit card through an agent or a credit card homepage, there is a problem that only a credit card is recommended, and a recommendation based on the statement of the user, It is not possible to guarantee the optimumity of the credit card recommended.

Therefore, the current credit card recommendation method does not provide the user with a sufficient credit to receive a new credit card or to receive a replacement card. Therefore, it is not only useless to users, but also to credit card companies.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a card recommendation method, which recommends an optimal card to a user through simulation based on actual payment information of a card held by a user and card information of other cards And a system to which the present invention is applied.

Another object of the present invention is to provide a card issuance method for issuing a mobile when a user requests an issuance of a recommended card by analyzing actual settlement information acquired through a mobile wallet and a system to which the system is applied.

According to another aspect of the present invention, there is provided a method for recommending a card, the method comprising: receiving payment information for a specific card during a specific period; Extracting authorization details from the payment information; Estimating a total expected payment amount for the approval details by the card when using cards other than the specific card; Comparing estimated total payment amounts of the card with the total payment amount of the specific card; And recommending a card based on the comparison result.

A method of recommending a card according to an embodiment of the present invention includes collecting information on a card-ID and a card benefit; Storing the card benefits in a DB (DataBase) by using the collected information and classifying the card benefits by card-ID; And updating at least one of the card-ID and the card benefit in the DB, wherein the calculating step calculates the estimated total payment amount for the approval details by the card with reference to the DB can do.

Further, in the calculating step, the total estimated earning points generated by the approval details may be further calculated on a card-by-card basis when the different cards are used, and the comparing step may include: At least one of the earned points, dues, and customer services' with at least one of 'the total payment amount of the particular card, the total earning points, the dues, and the customer service'.

The comparing step may compare the earned point and the customer service with the amount.

Also, the recommendation step may recommend a card based on user preference information, and the user preference information may include at least one of discount, points, fee, and customer service designated by the user.

The recommending step may recommend the card while providing the comparison result.

The card recommendation method may further include transmitting the issuance request to the card company server of the card upon receiving the issuance request for the card recommended in the recommendation step have.

The receiving step may include receiving from a mobile wallet that is installed in the mobile terminal and stores the specific card, and the recommending step may recommend the card through the mobile wallet.

Further, the receiving step can be received from a card company server of the specific card.

According to another aspect of the present invention, there is provided a server comprising: a communication unit for receiving payment information for a specific card during a specific period; And extracting approval details from the payment information, calculating a total estimated payment amount for the approval details based on the cards when using other cards than the specific card, And a card recommendation unit for recommending the card in comparison with the total payment amount of the card.

On the other hand, according to another embodiment of the present invention, a card recommendation method includes: receiving information on a recommendation card; And displaying a recommendation card, wherein the recommendation card extracts approval details from payment information for a specific card for a specific period of time, and when using other cards than the specific card, The total expected payment amount for the card is calculated by the card, and the estimated total payment amounts by the calculated card are compared with the total payment amount of the specific card, and the card is recommended based on the comparison result.

And transmitting payment information for the specific card during the specific period, and the receiving step may be a response to the transmitting step.

As described above, according to the embodiments of the present invention, it is possible to recommend a card through simulation based on actual payment information of a card held by a user and card information of other cards, because the simulation is performed by a server specialized for the card It is possible for all the released cards to be able to recommend the best card to the card usage pattern of the user.

Further, according to the embodiments of the present invention, since the profit that can be generated by the recommendation card is provided in comparison with the actual payment information by the card held by the user, the user can act as a powerful driver in issuing the recommendation card The marketing effect is excellent.

In addition, according to embodiments of the present invention, a user can conveniently receive a card through a mobile wallet, receive a mobile card directly through a mobile wallet, and receive basic information registered in a mobile wallet The mobile card issuing process can be simplified.

1 shows a card recommendation / issuance system to which the present invention is applicable,
Fig. 2 is a detailed block diagram of the mobile terminal shown in Fig. 1,
FIG. 3 is a detailed block diagram of the mobile wallet server shown in FIG. 1,
FIG. 4 is a flowchart provided in explanation of a process of building and updating card information to be used for card comparison / recommendation;
5 is a diagram illustrating a card table,
6 is a diagram illustrating a card benefit table,
7 is a flowchart provided in the description of the card comparison / recommendation / issuance service provision process,
8 is a diagram illustrating payment information,
FIGS. 9 and 10 are diagrams showing results of estimating estimated settlement amounts and estimated earning points for different cards, and FIG.
11 is a diagram illustrating a card comparison result, and FIG.
12 is a diagram illustrating a card recommendation screen provided through a mobile wallet.

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

1. Card Recommendation / Issuing System

1 is a diagram showing a card recommendation / issuance system to which the present invention is applicable. The illustrated card recommendation / issuance system recommends a card through a 'mobile wallet application' (hereinafter, abbreviated as 'mobile wallet') 140 installed in the mobile terminal 100, .

Here, the recommended / issued card is a credit card, a check card, or any other card that can be used for payment. In addition, the card includes not only a real card (plastic card) but also a mobile card.

The mobile card is not issued to the SE, such as an application card (app card) as well as a mobile card issued to a secure element (SE) of the mobile terminal 100, and the card company servers 400-1, 400-2,. ..., 400-n.

1, a card recommendation / issuance system to which the present invention is applicable includes a mobile terminal 100, a mobile wallet server 200, a Trusted Service Manager (TSM) system 300, card company servers 400 -1, 400-2, ..., and 400-n are connected to each other so that they can communicate with each other.

The mobile terminal 100 is a terminal carried by a user having the mobile wallet 140 installed therein. A mobile card may be issued to the mobile terminal 100.

The mobile wallet server 200 is a server operated by a service provider that provides a mobile wallet service to a user through a mobile wallet 140 installed in the mobile terminal 100. [

The mobile wallet service includes card comparison / recommendation / issuance services in addition to basic services such as 1) mobile card issuance / management, 2) mobile membership issuance / management, 3) mobile coupon issuance / management.

The TSM system 300 issues a mobile card to the SE of the mobile terminal 100 by using the mobile communication network by delegating the card company servers 400-1, 400-2, ..., 400-n It is a system operated by a service provider.

The SE-based mobile card is issued to the SE of the mobile terminal 100 by the TSM system 300 while the application card (app card) is issued to the card company servers 400-1, 400-2, ..., 400- n). On the other hand, real cards are issued by card companies and mailed to users.

The card company servers 400-1, 400-2, ..., and 400-n are servers operated by the card company to provide card related services. It is assumed that the credit card companies include banks and other financial institutions that can provide credit card services in addition to credit card companies.

2. Mobile terminal

2 is a detailed block diagram of the mobile terminal 100 shown in FIG. 2, the mobile terminal 100 includes a communication unit 110, a touch screen 120, a processor 130, an SE 150, and a storage unit 170.

The communication unit 110 is a means for accessing a communication network for mobile communication and wireless Internet and includes a mobile wallet server 200, a TSM system 300 and card company servers 400-1, 400-2, ..., 400 -n) to establish and maintain a communication link.

The touch screen 120 functions as a display on which time information is displayed, and receives a user command based on a GUI (Graphical User Interface), and transmits the user command to the processor 130.

The touch screen 120 displays an execution screen of the mobile wallet 140 and is used to receive a user command for the mobile wallet 140 from the user.

In addition to controlling the overall operation / function of the mobile terminal 100, the processor 130 executes the mobile wallet 140 to allow the user to be provided with the mobile wallet service by the mobile wallet server 200. [

The SE 150 is a storage medium for issuing and storing the SE-based mobile card 160. The SE 150 is a storage medium such as a Universal Subscriber Identity Module (USIM), a Universal IC Card (UICC), an embedded SE (e-SE) Digital Card).

2, the mobile card 160 is shown as one unit for convenience of explanation and understanding, and it is a matter of course that a plurality of mobile cards may be issued to the SE 150. [

The storage unit 170 is a storage medium in which information necessary for providing a mobile wallet service through the mobile wallet 140 is stored.

3. Mobile Wallet server

3 is a detailed block diagram of the mobile wallet server 200 shown in FIG. 3, the mobile wallet server 200 includes a communication unit 210, a card information management unit 220, a service providing unit 230, a card recommendation unit 240, and a DB 250.

The communication unit 210 establishes and maintains a communication connection with the mobile terminal 100, the TSM system 300 and the card company servers 400-1, 400-2, ..., 400-n.

The card information management unit 220 collects card information by interacting with the card company servers 400-1, 400-2, ..., and 400-n, and based on the collected card information, Creates a card benefit table (270) and stores it in the DB (250).

Card information collection by the card information management unit 220 is performed periodically, which involves periodic updating of the card table 260 and the card benefit table 270.

The process of creating and updating the card table 260 and the card benefit table 270 by the card information management unit 220 will be described later in detail with reference to FIG. 4 to FIG.

The service provider 230 interacts with the mobile wallet 140 of the mobile terminal 100 to provide the basic mobile wallet services (mobile card, mobile membership, mobile coupon issue / management) described above.

The card recommendation unit 240 provides a card comparison / recommendation / issuance service through the mobile wallet 140 of the mobile terminal 100. The card comparison / recommendation / issuance service process by the card recommendation unit 240 will be described later in detail with reference to FIG. 7 to FIG.

The DB 250 stores the card table 260 and the card benefit table 270 described above.

4. Card information construction process

Hereinafter, the process of creating and updating the card table 260 and the card benefit table 270 by the card information management unit 220 of the mobile wallet server 200 will be described in detail with reference to FIGS. 4 to 6 do.

4 is a flowchart provided in explanation of a process of building and updating card information to be used for card comparison / recommendation.

4, the card information management unit 220 first collects 'card information' from the card company servers 400-1, 400-2, ..., and 400-n (S510).

The 'card information' in step S510 is divided into the cards. And, usually, a plurality of cards are released from one card company.

Accordingly, 1) card company-1 has released cards-11, card-12 and card-13, 2) card company-2 has released cards-21 and card- n1, the card-n2 and the card-n3 are released by the card company-n, the card information management unit 220 acquires the following information from the card company server-1 (400-1) The card information for the card-12, and the card information for the card-13 from the card company server-2 400-2, N collects card information for the card-n1, card information for the card-n2, and card information for the card-n3 from the card company server-n 400-n.

On the other hand, 'card information' includes information on 'card-ID', 'card-name', 'card-company' and 'card benefits'. 'Card benefits' include information on 'discount rate' and 'accumulation rate'. Since 'discount rate' and 'accumulation rate' are different for each merchant, they are linked to 'merchant-ID' and 'merchant-name'.

That is, 'card benefits' are matched with 'merchant-ID', 'merchant-name', 'discount rate' and 'accumulation rate'. For example, in the 'card benefit' of the card-n3, a 'discount rate' of '10%' is applied to an affiliated store where the 'merchant ID' is 'SKN0001' and the 'merchant store- name' is 'SK gas station' .

In addition, 'discount rate' and 'accumulation rate' may include conditions. For example, discounts may only be available on Wednesdays, or may include discount / accumulation terms such as a limit of 10,000 points.

Then, the card information management unit 220 extracts the card-ID, the card-name, and the card-company from the card information collected in step S510, creates the card table 260, and stores the card table 260 in the DB 250 S520).

FIG. 5 illustrates a card table 260 created through step S520. As illustrated in Fig. 5, the card table 260 has a one-to-one correspondence between the card ID, the card-name, and the card-company.

Next, the card information management unit 220 extracts the card benefits from the card information collected in step S510, creates the card benefit table 270 by dividing the card benefits by the card-ID, and stores the card benefit table 270 in the DB 250 (step S530) .

FIG. 6 illustrates the card benefit table 270 created through step S530. As illustrated in FIG. 6, in the card benefit table 270, card benefits are matched in order of 'merchant-ID', 'merchant-name', 'discount rate' and 'accrual rate' for each card-ID.

On the other hand, card information is changed from time to time in accordance with the policies of card companies. Accordingly, even after the card table 260 and the card benefit table 270 are constructed in the DB 250, the card information management unit 220 can manage the card company servers 400-1, 400-2, ..., 400 the card information is periodically re-collected (S540).

In step S550, the card information management unit 220 updates the card table 260 and the card benefit table 270 stored in the DB 250 based on the re-collected card information in step S540.

5. Card comparison / recommendation / issuance process

Hereinafter, the process of providing the card comparison / recommendation / issuance service by the card recommendation unit 240 will be described in detail with reference to FIGS. 7 to 11. FIG. 7 is a flowchart provided in explanation of a process of providing a card comparison / recommendation / issuance service.

7, the card recommendation unit 240 receives payment information of the mobile card 160 for a specific period from the mobile wallet 140 of the mobile terminal 100 (S610). FIG. 8 illustrates the payment information received through step S610.

Since the mobile wallet 140 holds the payment information of the mobile card 160 since the mobile card 160 is stored in the mobile wallet 140, the mobile wallet 140 provides the payment information in step S610 It is possible to do.

If the mobile wallet 140 does not have the payment information of the mobile card 160, the mobile wallet 140 sends the card company server 400-1, 400-2, ..., 400-n, and provide the payment information to the card recommendation unit 240 of the mobile wallet server 200.

On the other hand, in the case of an application card or a real card, the card recommendation unit 240 acquires payment information from the card company servers 400-1, 400-2, ..., 400-n rather than the mobile wallet 140 , It is necessary to modify step S610.

In the case of the mobile card 160 managed and stored in the mobile wallet 140, the card recommendation unit 240 notifies the corresponding card company servers 400-1 and 400 -2, ..., 400-n.

Next, the card recommendation unit 240 extracts 'approval details' from the payment information received in step S610 (S620). 'Approval history' includes information on 'merchant' and 'approved amount'.

The information on 'merchant' includes 'merchant-ID' and 'merchant-name'. The 'approved amount' is the amount before the discount is applied, and the 'payment amount' when the discount is applied. This can be confirmed through the 'approval amount' and the 'payment amount' for the merchant having the 'merchant-ID' of 'OB0001' and 'SKN0001' in FIG.

The card recommendation unit 240 refers to the card benefit table 270 stored in the DB 250 to calculate the estimated amount of payment for the approval details for the cards other than the mobile card 160 And estimated earning points are calculated (S630).

FIG. 9 shows the results of estimating the estimated settlement amounts and the estimated earning points for the "Hana SK family card " in which the card-ID is" H001 ". FIG. 10 shows the results of calculating the estimated payment amounts and the estimated earning points for the " Shinhan Good Card " in which the "card-ID" is "S001".

Although not illustrated in the drawing, the estimation of the estimated settlement amounts and the estimated accumulation points in step S630 may be performed in the same manner as in the first embodiment except that all cards stored in the card table 250 (see FIG. 5) Lt; / RTI > That is, even for the cards whose 'card-ID' is "K001", "K002", "H002", ..., estimate estimated settlement amounts and estimated earning points as illustrated in FIGS. 9 and 10 do.

Next, the card recommendation unit 240 compares the estimated payment amounts for each card calculated in step S630 with the estimated earning points, and selects a card favorable to the user (step S640).

The cards favorable to the user are 1) the total estimated payment amount is smaller than the total payment amount of the mobile card 160, 2) the total estimated earning point is less than the total earning point of the mobile card 160 Many say, cards.

FIG. 11 illustrates card comparison results by the card recommendation unit 240 in step S640. 11, the "one SK family card" and the "Shinhan gut card" are both "smaller than the total payment amount" of the mobile card 160, Of the mobile card 160 is greater than the 'total earning point' of the mobile card 160. Therefore, both "Han SK Family Card" and "Shinhan Good Card" are advantageous to the user.

On the other hand, if only one of the above items' 1) 'and' 2) 'is satisfied, it can not be determined whether the card is favorable to the user. Therefore,' the amount deducted from the estimated total payment amount, The total amount of the card 160 is converted into the amount of money and the amount of money subtracted from the total payment amount of the mobile card 160 is compared to determine the amount.

The rate at which points are converted into amounts may differ for each card point. For example, in the case of a card having a card ID of "H0001", "30 points" is converted into "20 won" (conversion rate of points is 3: 2) Quot; 10 points "may be converted to" 10 won "(point conversion rate 1: 1). Information on the conversion rate can be included in the card table 260. [

On the other hand, in step S640, it is preferable to select m cards (m > = 1) in the order of decreasing the total estimated accumulation point amount and subtracting the total estimated payment amount.

In step S650, the card recommending unit 240 recommends the selected cards to the user through the mobile wallet 140, while providing the comparison result of the selected cards and the mobile card 160 in step S640.

When a card is recommended, the card-name must be provided together. Therefore, in step S650, the card table 260 is referred to.

FIG. 12 illustrates a card recommendation screen provided through the mobile wallet 140. FIG. As shown in Fig. 12, on the card recommendation screen, information on an amount that can be gained by the recommendation card is displayed as a card comparison result.

Although not shown in FIG. 12, the card recommendation screen may further display points that can be benefited by the recommendation card. In this case, the points may be converted to monetary amounts so that actual comparison is possible.

On the other hand, as shown in FIG. 12, the card recommendation screen provided through the mobile wallet 140 is provided with an "issue" button, which the user may touch to request issuance of a recommendation card.

When the recommendation card issuance request is received from the mobile wallet 140 in step S660-Y, the card recommendation unit 240 notifies the card company server 400-1, 400-2, ..., 400- n) (S670).

In this case, the card issuance procedure is initiated. In the case of the mobile card, the TSM system 300 is transferred from the mobile terminal (400-1, 400-2, ..., 400- 100), and 2) the real card is issued by the card company and sent to the user by mail.

On the other hand, in the case of "1) ", the basic information necessary for issuing the mobile card is automatically referenced to the basic information registered in the mobile wallet 140, thereby simplifying the inputting operation of the user in the issuing process.

6. Variation example

Up to now, a method and system for recommending a card through a mobile wallet 140 and issuing a recommendation card when requested by a user have been described in detail with preferred embodiments.

In the above embodiment, only a payment amount and an accumulation point are assumed in selecting / recommending a card favorable to the user, but this is merely an example for convenience of understanding and explanation. Therefore, it is possible to select / recommend a card with further reference to other factors such as membership fees or customer service (for example, valet parking service, amusement park free admission service, etc.).

In this case, it is preferable to convert the amount of money for customer service (for example, 10,000 won for valet parking service and 20,000 won for amusement park free service), and refer to the card selection / recommendation.

Furthermore, in selecting / recommending a card favorable to the user, it can be implemented by referring to the user's preference information. For example, if a user prefers a discount, the card is selected / recommended by weighting the discount, and when the user prefers a valet parking service, a high conversion rate is applied when the valet parking service is converted into an amount. The user's preference information may be implemented to be input via the mobile wallet 140.

On the other hand, it is also possible to recommend a plurality of card groups in selecting / recommending a card favorable to the user. For example, if you use Card-1 and Card-2 together as a group, and if you use Card-1, which proves to be most beneficial to you, This is recommended if the benefits are advantageous (ie, there are many benefits) than using -1 alone.

In addition, in the embodiment of the present invention, it is assumed that the mobile wallet server 200 operated by the mobile wallet service provider performs card comparison / recommendation. However, it is also possible that the mobile wallet service provider When the card comparison / recommendation is performed, the technical idea of the present invention can also be applied.

It goes without saying that the technical idea of the present invention can also be applied to a computer-readable recording medium having a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present invention may be embodied in computer-readable code form recorded on a computer-readable recording medium. The computer-readable recording medium is any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer readable code or program stored in the computer readable recording medium may be transmitted through a network connected between the computers.

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, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention.

100: mobile terminal 140: mobile wallet
200: Mobile Wallet Server
260: card table 270: card benefit table
300: Trusted Service Manager (TSM) system
400-1, 400-2, ..., 400-n: card company server

Claims

Receiving payment information for a specific card for a specific period of time;
Extracting authorization details from the payment information;
Estimating a total expected payment amount for the approval details by the card when using cards other than the specific card;
Comparing estimated total payment amounts of the card with the total payment amount of the specific card; And
And recommending a card based on the comparison result.

The method according to claim 1,
Collecting information on card-ID and card benefits;
Storing the card benefits in a DB (DataBase) by using the collected information and classifying the card benefits by card-ID; And
Further comprising updating at least one of the card-ID and the card benefits in the DB,
In the calculating step,
And the total estimated payment amount for the approval details is calculated for each card by referring to the DB.

The method according to claim 1,
In the calculating step,
Further estimating, by the card, the total accumulated estimated points generated by the approval details when the different cards are used,
Wherein the comparing comprises:
At least one of 'the total payment amount of the card, the total estimated payment amounts, the total estimated earning points, the fee dues, and the customer services'to' at least one of the total payment amount of the specific card, And comparing the first and second reference values.

The method of claim 3,
Wherein the comparing comprises:
And comparing the earned point and the customer service with the amount.

The method of claim 3,
In the recommendation step,
Based on user preference information, a card is recommended,
Wherein the user preference information comprises:
A discount, a point, a fee, and a customer service designated by the user.

The method according to claim 1,
In the recommendation step,
And recommending the card while providing the comparison result.

The method according to claim 1,
And transmitting the issuing request to the card company server of the card upon receiving the issuing request for the card recommended in the recommending step.

The method according to claim 1,
Wherein the receiving step comprises:
Receiving from a mobile wallet installed in the mobile terminal and containing the specific card,
In the recommendation step,
And recommending the card through the mobile wallet.

The method according to claim 1,
Wherein the receiving step comprises:
From a card company server of the specific card.

A communication unit for receiving payment information for a specific card during a specific period; And
Extracting the approval details from the payment information, calculating a total estimated payment amount for the approval details based on the cards when using other cards than the specific card, And a card recommendation unit for recommending a card in comparison with the entire payment amount.

Receiving information on a recommendation card; And
And displaying a recommendation card,
The recommendation card includes:
The approval details are extracted from the payment information for a specific card for a specific period, and when the cards other than the specific card are used, the total estimated payment amount for the approval details is calculated for each card, And the payment amounts are compared with the total payment amount of the specific card, and the card is recommended based on the comparison result.

12. The method of claim 11,
And transmitting payment information for the specific card during the specific period,
Wherein the receiving step is a response to the transmitting step.