KR20160066470A - Method, service server and computer program for providing card recommendation service - Google Patents

Abstract

Provided are a card recommending service providing method, a service server, and a computer program. According to an embodiment, the card recommending service providing method comprises: (a) a step of receiving information relating to a store; (b) a step of displaying information about benefits of a card that can be given from the store among all the cards a user has, based on the inputted information related to the store. The information related to the store includes at least one among the name of the store, address, brand and identification code. Additionally, the card that the user has is one or more from a credit card, a debit card, a gift card, a membership card or an electronic bill. The purpose of the present invention is to provide the card recommending service providing method enabling a user with multiple cards to receive benefits through a card that the user has and can be used for payment in a corresponding store.

Description

METHOD, SERVICE SERVER AND COMPUTER PROGRAM FOR PROVIDING CARD RECOMMENDATION SERVICE,

The present invention relates to a card recommendation service providing method, a service server, and a computer program.

In recent years, credit cards or check cards are more commonly used than cash as a means of payment, and the use of membership cards, which can provide various benefits when used together with a credit card or a check card, is also increasing .

On the other hand, the types of cards released by card companies and the benefits offered by each card vary widely. That is, the discount rate and the point accumulation rate are different for each card depending on the use place.

Accordingly, the user is issued with a credit card or a check card according to his / her consumption pattern, and a membership card capable of discounting or accumulating points is issued for each company.

For this reason, the user carries a plurality of credit cards, check cards, and membership cards. Since the types and benefits of the cards owned by the user are different from each other, it is difficult to grasp the benefits of all the cards individually. It is also a very troublesome task to find a card that can receive the best benefit from the cards you are playing.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the prior art, and it is an object of the present invention to provide a method for recommending a card that can receive a benefit from a card that can be paid at a store when a user who holds a plurality of cards visits the specific store I want to.

In order to achieve the above object, a method for providing a card recommendation service by a user terminal according to an embodiment of the present invention includes: (a) receiving information related to a store; and (b) Displaying information on a card that can benefit from the store among the pre-registered user's possessed cards on the screen, wherein the information related to the store includes at least one of a name, an address, a brand, and an identification code And the user possessed card includes at least one of a credit card, a check card, a prepaid card, a gift card, a membership card, and electronic money.

In order to achieve the above object, a method of providing a card recommendation service according to an embodiment of the present invention includes: (a) receiving information related to a store from a user terminal; (b) Selecting a card that can benefit from the store among pre-registered user-owned cards based on information related to the selected card, and (c) providing information about the selected card to the user terminal, The store-related information includes at least one of a name, an address, a brand, and an identification code, and the user-owned card includes at least one of a credit card, a check card, a prepaid card, a gift card, a membership card, .

In order to achieve the above object, a service server providing a card recommendation service according to an embodiment of the present invention stores card information received from a user terminal and registers it as a user possessed card for using the card recommendation service When the information related to the store is received from the card registration unit and the user terminal, a card that can benefit from the store among the registered user-owned cards is selected, and information on the selected card is provided to the user terminal Wherein the information related to the store includes at least one of a name, an address, a brand, and an identification code, and the user possessed card is a credit card, a check card, a prepaid card, a gift card, a membership card, And at least one of them is included.

According to an embodiment of the present invention, when a user who has a plurality of cards visits a specific store and receives payment, a card that can receive the best benefit among the cards held by the user can be recommended.

In addition, you can get maximum benefits such as discounts or points.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a block diagram illustrating a system for providing a card recommendation service according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a service server according to an embodiment of the present invention.
3 is a flowchart illustrating a process of providing a card recommendation service according to an exemplary embodiment of the present invention.
4 is a flowchart illustrating a process of providing a card recommendation service according to another embodiment of the present invention.
5 is a diagram illustrating a screen in which a user terminal provides a card recommendation service according to an embodiment of the present invention.
6 is a diagram illustrating a screen in which a user terminal provides a card recommendation service according to another embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein.

In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" .

Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

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

The system 100 for providing a card recommendation service according to an exemplary embodiment of the present invention may include a user terminal 110 and a service server 120.

For reference, a 'card recommendation service' according to an embodiment of the present invention selects a card that can receive the most benefits (for example, discount, points accumulation, etc.) in a specific store among cards held by a user, And the like.

Briefly explaining each component, the user terminal 110 may register one or more cards for using the card recommendation service.

Here, the 'card' may include a credit card, a check card, a prepaid card, a gift card, a membership card, etc., and may further include electronic money that can be paid.

The user terminal 110 may display on the screen a user interface for registering one or more cards held by the user in order to utilize the card recommendation service. The information of the card (user identifier, card number, An effective date, a card type (credit card, membership card, etc.)) to the service server 120 to request card registration.

For reference, the card registration request may be performed through a user terminal (not shown, for example, a desktop computer, a notebook computer, etc.) other than the user terminal 110.

When the user terminal 110 receives information (hereinafter referred to as "store information") related to the store (merchant store), the user terminal 110 selects a shop You can display cards on the screen that can benefit from.

Herein, the 'store information' may include at least one of a name, an address, a brand name, and a store identification code, and may be input directly from a user.

To this end, the user terminal 110 may display a user interface for inputting store information on a screen.

In addition, the user terminal 110 may recognize a one-dimensional code (for example, a bar code) or a two-dimensional code (for example, a QR code) attached at a predetermined position in a store, or a wireless tag such as an NFC tag, So that the store information can be inputted.

In this case, the store information recognized through the 1 < 2 > 2D code or radio tag can be automatically input (set) to the user interface for inputting the store information.

The store information may be input using the GPS information of the user terminal 110.

For example, the user terminal 110 transmits its current GPS information to the service server 120, receives a merchant list close to the corresponding GPS information from the service server 120, displays it on the screen, The information of the specific merchant may be automatically input to the user interface as the store information.

Then, the user terminal 110 transmits the store information input by the above-described method to the service server 120, and obtains information on the card that can benefit from the store among the previously registered cards from the service server 120 Can be received and displayed on the screen.

At this time, the user terminal 110 may display a card that can receive a benefit based on any one of a discount rate priority and a point accumulation priority, which are preset card recommendation criteria set by the user.

And, if there are multiple cards that can benefit from the store, you can display only the cards that receive the most benefit, or display the cards in the order that you can receive the most.

For reference, the card recommendation service may be provided according to transmission / reception of information between the user terminal 110 and the service server 120 as described above, but the card recommendation service may be provided to the user terminal 110 itself.

In other words, benefit information provided for each card in the user terminal 110, benefit information provided to each vendor (store), card information registered by the user, and the like are stored. When the store information is input, It is possible to display on the screen information about the card which can receive the benefit from the store registered in the shop.

Hereinafter, a case where a card recommendation service is provided according to information transmission / reception between the user terminal 110 and the service server 120 will be described.

The user terminal 110 may be connected to the service server 120 through a network such as a smart phone, a mobile phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet computer, And a mobile communication terminal capable of communicating.

On the other hand, the service server 120 can store information such as the type of each card's card, benefit for each card, benefit that can be provided for each card company's merchant, and information of a card registered by each user to use the card recommendation service have.

For reference, the information may be stored in the service server 120, or may be stored in a separate server (e.g., each card company server) and interworked with the service server 120. [

When the service server 120 receives one or more pieces of card information (user identifier, card number, effective date, card type (credit card, membership card, etc.)) for using the card recommendation service from the user terminal 110, The card can be registered as a card for the card recommendation service by storing the received card information.

When the service server 120 receives a card recommendation request including the user's identifier and specific store information from the user terminal 110, the service server 120 selects a card that the user can receive benefits from in the store , And provide information of the selected card to the user terminal 110.

At this time, the service server 120 selects a card that can receive the most (high) benefit based on any one of a discount rate priority and a point accumulation priority set by a user in advance, The card may be selected and provided to the user terminal 110 in the order in which the card is selected.

For reference, the service server 120 may also select a card, including a user's consent to receive the advertisement, or further benefits provided in connection with one or more of the promotions of a particular vendor.

Also, the service server 120 can receive a payment approval request including the card information, the payment amount, the purchase history, the merchant information, and the like from the user terminal 110, and transmits the received payment approval request to the server (Not shown) or a vendor's server (not shown), and receives a result of a payment approval request from a server (not shown) of a card company or a server (not shown) of a vendor company and provides the result to the user terminal 110.

For reference, when the service server 120 is directly operated by the credit card company, payment approval may be made in the service server 120.

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

The service server 120 according to an exemplary embodiment of the present invention includes a card-specific benefit information storage unit 121, a company-specific benefit information storage unit 122, a user card information storage unit 123, a card registration unit 124, Unit 125 and a payment approval request unit 126. [

The card-specific benefit information storage unit 121 stores credit card and prepaid card for each card, check card and prepaid card for each bank, membership card and electronic money for each company, benefit information for each card Can be stored.

In addition, the card-specific benefit information storage unit 121 may further store the promotion information for each card and the benefit information for each card.

For reference, the information stored in the card-specific benefit information storage unit 121 may be updated when the card type or benefit information is changed.

Meanwhile, the vendor-specific benefit information storage unit 122 may store cards available for each vendor and promotional information that can be provided for each vendor.

For reference, the available cards for each company stored in the company-specific benefit information storage unit 122 may be associated with the benefit information of each card stored in the card-specific benefit information storage unit 121. [

Meanwhile, the user card information storage unit 123 may store information on one or more cards registered by the user in order to utilize the card recommendation service by the card registration unit 124.

When the card registration unit 124 receives a card registration request including a user identifier and at least one card information from the user terminal 110, the card registration unit 124 matches the received user identifier and the at least one card information to the user card information storage unit 123 ) So that the user's card for using the card recommendation service can be registered.

On the other hand, when the card recommendation unit 125 receives the card recommendation request including the user identifier and the store information from the user terminal 110, the card recommending unit 125 selects the card that the user can receive the benefit from among the cards registered by the user, To the user terminal 110. [0050]

That is, the card recommendation unit 125 acquires information on the card registered by the user from the user card information storage unit 123 using the user identifier, and acquires the corresponding information from the company-specific benefit information storage unit 122 using the store information After acquiring information about the available cards in the store, they can find matching cards, and by calculating the benefit that the user can receive from the store, it is possible to select the cards that can receive the benefits.

At this time, the card recommendation unit 125 selects the cards in the order that can receive a lot of benefits on the basis of the discount recommendation criteria and the point accumulation priority, which are preset by the user, You can choose which cards you have.

In this process, the user may also agree to receive the advertisement or further reflect the benefits provided in connection with one or more of the promotions provided by the store.

On the other hand, when the payment approval request unit 126 receives a payment approval request including the card information, the payment amount, the purchase history, the store merchant code, and the like from the user terminal 110, (Not shown) or a server of a vendor (not shown), receives a result of a payment approval request from a server (not shown) of a card company or a server (not shown) of a vendor, .

3 is a flowchart illustrating a process of providing a card recommendation service according to an exemplary embodiment of the present invention.

3 is a flowchart illustrating a process of providing a card recommendation service by the user terminal 110. The application providing the card recommendation service according to an embodiment of the present invention installed in the user terminal 110 The processes of FIG. 3 can be executed.

When the card recommendation application is executed, the user terminal 110 displays a first user interface including one of a card registration button and a store information input button on the screen (S301).

When the card registration button is selected after step S301, the user terminal 110 displays the second user interface on the screen, which allows the user to input the card information and request the card registration (S302).

At this time, the second user interface may include an input field for inputting at least one card information, and if the specific button is selected, the input field may be additionally generated and displayed.

After step S302, the user terminal 110 receives one or more pieces of card information through the second user interface, and when a registration request button included in the second user interface is selected, And transmits the request to the service server 120 (S303).

For example, when the card held by the user is registered by the service server 120 after step S303, the information on the registered card (for example, the registered card type and the number of cards, etc.) And a separate button may be included in the first interface so that detailed information on the registered card can be confirmed.

On the other hand, if the store information input button is selected after step S301, the user terminal 110 displays a third user interface for inputting store information on the screen (S304).

The store information may be input by the user terminal 110 recognizing a barcode or a QR code attached to a predetermined location in the store, recognizing a wireless tag such as an NFC tag or an RF tag, And the like.

After step S304, the user terminal 110 receives the store information through the third user interface. When the card recommendation request button included in the third user interface is selected, the user terminal 110 transmits a card recommendation request including the user's identifier and store information, (S305).

After step S305, the user terminal 110 receives information on the card that can receive the most benefit from the card registered by the user from the service server 120 and displays the information on the screen (S306).

When the payment approval request is input to the card displayed on the screen after step S306, the user terminal 110 transmits a payment approval request including the card information, the payment amount, the purchase details, and the merchant code of the store to the service server 120 And displays the result on the screen (S307).

4 is a flowchart illustrating a process of providing a card recommendation service according to another embodiment of the present invention.

4 is a process of providing the card recommendation service by the service server 110. Hereinafter, the flow chart of FIG. 4 will be mainly described with the service server 110 as an example.

For reference, the service server 110 receives credit card and prepaid card, check card and prepaid card for each bank, membership card for each company (brand) The type of electronic money, the benefit information for each card, and the promotional information for each card and the benefit information have been established.

In addition, the service server 110 has information on cards available for each company through the company-specific benefit information storage unit 122 shown in FIG. 2 and promotion information that can be provided for each company.

When the service server 110 receives a card registration request including a user identifier and one or more card information from the user terminal 110, the service server 110 searches the user card information storage unit 123 To register the card of the user for using the card recommendation service (S401).

After receiving the card recommendation request including the user identifier and the store information from the user terminal 110 in step S401, the service server 110 selects a card that the user can receive benefits from in the store S402).

For reference, the service server 110 can select a card based on any one of a discount rate priority and a point accumulation priority, which are preset card recommendation criteria set by the user. In consideration of both the discount rate priority and the point accumulation priority, May be selected.

After step S403, the service server 120 provides the user terminal 110 with information on the card that can receive the most benefit from the selected cards (S403).

After receiving the payment approval request including the card information, the payment amount, the purchase history, and the merchant code of the store from the user terminal 110, the service server 120 transmits a payment approval request to the server (Not shown), and receives a result of a payment approval request from a server (not shown) of a card company or a vendor's server (not shown) and provides the result to the user terminal 110 (S404) .

5 is a diagram illustrating a screen in which a user terminal provides a card recommendation service according to an embodiment of the present invention.

5A shows an embodiment in which a user interface including a card registration or a store information input button is displayed on the screen of the user terminal 110 when the card recommendation application is executed.

5 (a), when the store information input button is selected, the user terminal 110 displays a user interface including a field for inputting store information on the screen, as shown in FIG. 5 (b) can do.

As another example of receiving store information, the user terminal 110 may recognize a barcode, a QR code, or the like attached to a predetermined location in a store, a wireless tag such as an NFC tag, an RF tag, The GPS information of the user terminal 110 may be used.

6 is a diagram illustrating a screen in which a user terminal provides a card recommendation service according to another embodiment of the present invention.

FIG. 6 is an example of displaying information on a card that can receive the most benefit from the store registered by the user, when the store information is inputted through the user interface as shown in FIG.

For reference, as shown in FIG. 6, one card information may be displayed on the screen, or card information may be displayed on the screen in order of many benefits.

Then, the user may select the card information shown in FIG. 6 and request payment approval.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Recommended card service system
110: User terminal
120: service server
121: Benefit information storage unit for each card
122: Benefit information storage unit for each company
123: User card information storage unit
124: Card registration part
125: card recommendation part
126:

Claims (18)

A method for providing a card recommendation service by a user terminal,
(a) receiving information related to a store; And
(b) displaying, on the screen, information of a card that can benefit from the store among previously registered user-owned cards, based on the information related to the entered store
, ≪ / RTI &
The store-related information includes at least one of a name, an address, a brand, and an identification code, and the user-owned card includes at least one of a credit card, a check card, a prepaid card, a gift card, a membership card, A method for providing card recommendation services.
The method according to claim 1,
Before the step (a)
Registering at least one card held by the user as a card for using the card recommendation service
The method of claim 1,
The method according to claim 1,
The step (b)
Displaying on a screen a user interface for selecting any one of a discount rate priority and a point accumulation priority as cards selection criteria; And
Receiving a selection of either the discount rate preference or the point accumulation preference through the user interface
The method of claim 1,
The method of claim 3,
The information of the card displayed on the screen is,
A plurality of benefits are sorted in descending order based on the selection of the input card selection criteria,
Wherein the card recommendation service information is information on a card that can receive the most benefit.
5. The method of claim 4,
The step (b)
Wherein the card is selected by reflecting the benefits provided in connection with at least one of ad reception agreement and promotion.
The method according to claim 1,
The step (a)
Information related to the store
Receiving a direct input from a user, receiving input through recognition of a one-dimensional or two-dimensional code, inputting through recognition of a wireless tag, or receiving GPS information using the GPS information of the user terminal.
The method according to claim 1,
Between the steps (a) and (b)
Transmitting information related to the entered store to a service server; And
Receiving information on a card that can benefit from the store from the service server
The method of claim 1,
The method according to claim 1,
(c) when the payment information for the amount used in the store is inputted, transmitting a payment approval request using the card displayed on the screen
The method of claim 1,
9. A computer program stored in a medium comprising a series of instructions for performing the method according to any one of claims 1-8.
A method of providing a card recommendation service by a service server,
(a) receiving information related to a store from a user terminal;
(b) selecting, based on the information associated with the received store, a card that can benefit from the store among pre-registered user retention cards; And
(c) providing information on the selected card to the user terminal
, ≪ / RTI &
The store-related information includes at least one of a name, an address, a brand, and an identification code, and the user-owned card includes at least one of a credit card, a check card, a prepaid card, a gift card, a membership card, A method for providing card recommendation services.
11. The method of claim 10,
Before the step (a)
Receiving a card registration request including information on at least one card held by a user from the user terminal;
Matching the information on the received card with an identifier of the user and registering the card as a card for using the card recommendation service
The method of claim 1,
11. The method of claim 10,
The step (b)
Wherein the card is selected in accordance with the received selection information when selection information on any one of the discount rate priority and the point accumulation priority as the card selection criteria is received from the user terminal.
13. The method of claim 12,
The step (b)
And sorting the selected cards in order of a plurality of benefits based on the received selection information, or selecting a card that can receive the most benefit, and providing the card to the user terminal.
14. The method of claim 13,
The step (b)
Wherein the card is selected by reflecting the benefits provided in connection with at least one of ad reception agreement and promotion.
11. The method of claim 10,
(c) transmitting the payment approval request to the payment server when a payment approval request including payment information is received from the user terminal
The method of claim 1,
A service server for providing a card recommendation service,
A card registration unit for storing the card information received from the user terminal and registering the received card information as a user possessed card for using the card recommendation service; And
A card recommendation unit that selects a card that can benefit from the store among the registered user possessed cards when the information related to the store is received from the user terminal and provides information about the selected card to the user terminal,
, ≪ / RTI &
The store-related information includes at least one of a name, an address, a brand, and an identification code, and the user-owned card includes at least one of a credit card, a check card, a prepaid card, a gift card, a membership card, Features a service server.
17. The method of claim 16,
Wherein,
And sorting the selected cards in order of the discount rate or the number of benefits during point accumulation, or sorting the cards that can receive the most benefits.
17. The method of claim 16,
When a payment approval request including payment information is received from the user terminal, a payment approval request unit
The service server further comprising:

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