KR20170019863A - System of recommending optimal card, apparatus of recommending optimal card using progress-bar and method using the same - Google Patents

Abstract

According to the present invention, disclosed are a system for recommending an optimal card, an apparatus for recommending an optimal card by using a progress bar and a method using the same. The present invention may provide a card recommendation interface which calculates a performance achievement rate corresponding to at least one card by checking either or both a target performance or/and a current month use performance corresponding to the at least one card registered in an application, generates a progress bar corresponding to the at least one card by generating a bar corresponding to the target performance and filling the bar according to the target achievement rate, and then displays the progress bar together with a card image of the at least one card on a user terminal. The present invention enables a user to easily select an appropriate payment card through the card recommendation interface when the user pays for goods at a shop through a mobile terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an optimum card recommendation system, a recommendation apparatus using the progressive bar,

The present invention relates to a technology for recommending a payment card used for on-line or offline payment, and more particularly, to a technique for recommending a payment card used for online or offline payment, A card recommendation system, an optimum card recommendation apparatus using a progress bar, and a method using the same.

As mobile terminals become popular, various services that can not be imagined in the past are realized and provided. One of these services is that the user can visit the store or store and the mobile terminal detects the user's visit to the store and provides the discount coupon or promotion information provided by the store to the user.

In addition, a variety of techniques have been introduced for techniques for recommending payment cards used for on-line and off-line payments as an extension of such services. For example, it is recommended to set a target amount for each payment card, to recommend a payment card that is much less than the target amount, or to recommend a payment card of the maximum benefit among a plurality of payment cards satisfying the card performance condition of the preceding month, There may be various card recommendation techniques such as a technique of recommending a payment card having the lowest balance to satisfy the performance of the current month.

However, such conventional card recommendation techniques have difficulty in confirming benefit information or performance information of a recommendation card at a glance, so that there is an inconvenience that a user must select and select each benefit information.

Also, it may not be possible to recommend appropriate cards if the products to be purchased and the amount of payment have not yet been set.

In this way, it may be difficult to recommend an appropriate payment card in a situation where the goods to be purchased by the user or the purchase amount are not fixed. However, in a service where a user checks in a store and receives discount information such as a coupon, and performs payment in advance at the POS without performing any additional payment, the appropriate payment card or membership card is recommended Need to be. At this time, there may be unexpected situations in which the benefits of the recommended payment card and membership card are not appropriate in the situation where the product or amount is not confirmed, or the user purchases a product irrelevant to the card benefit.

Therefore, according to the present invention, by displaying the benefits of the payment card, the discount information, and the performance information at a user's discretion in a situation where the goods to be purchased and the purchase amount are not fixed by the user, a card recommendation Interface technology.

Korean Patent Laid-Open No. 10-2012-0134784, published on December 12, 2012 (name: offline shopping system, offline shopping support device and its supporting method, and cloud computing system and its offline shopping support method)

It is an object of the present invention to provide a recommendation interface that allows a user to recognize a payment card and a member sim card having many benefits at a glance, and at the same time naturally choosing a payment card considering the achievement rate of card use performance.

It is another object of the present invention to recommend a payment card most suitable for a user by predicting a product to be purchased and a money amount so that the user can use the automatic payment service when paying the goods in the shop through the mobile terminal.

It is also an object of the present invention to recommend payment cards and membership cards that can receive the most benefits such as discounts or credits, depending on the products and amounts that the user is expected to purchase.

It is also an object of the present invention to maximize the convenience of the user by allowing a user to make a payment with a minimum operation to perform settlement in a shop using a mobile terminal.

It is also an object of the present invention to recommend a card that provides optimal benefits even when goods and settlement amounts are not set, such as a store check-in based service.

According to an aspect of the present invention, there is provided an apparatus for recommending an optimal card, the apparatus comprising: a card performance check unit for checking at least one of a target performance and a current usage performance corresponding to at least one card registered in an application; A performance achievement rate calculator that calculates an achievement achievement rate corresponding to the at least one card using at least one of the target achievement and the current month use achievement; A progress bar generating unit for generating, for the at least one card, a bar bar having a length corresponding to the target performance and generating a progress bar corresponding to the at least one card by filling the bar bar corresponding to the performance achievement rate; And an interface providing unit for providing a terminal of the user with a card recommendation interface indicating the progress bar together with a card image of the at least one card so that a user can select an optimum card among the at least one card.

At this time, the card recommendation interface may superimpose at least one of a membership card, an earning card, and a discount coupon that can be used with the at least one card, superimposed on the card image.

At this time, the optimum card recommendation apparatus may include at least one of a recommendation commodity of the at least one card, which is expected to be purchased at the store by the user, and a recommendation amount of the at least one card, And a priority calculation unit for calculating a priority.

At this time, the card recommendation interface can display and sort the card images according to the recommendation priority.

At this time, the priority order calculating unit may adjust the recommendation priority based on any one of the benefit rate and the current monthly usage based on the performance evaluation period corresponding to the at least one card.

At this time, the card recommendation interface may indicate the progress bar in either the horizontal or vertical direction of the card image.

At this time, the card performance check unit may access the web site of the card company corresponding to the at least one card on the Internet, and check the target performance and the actual use performance of the current month.

At this time, the at least one expected purchase product may include a user purchase pattern in the member store group corresponding to the store, a purchase pattern of the same user group as the user in the member store group, benefit information provided in the store, And the utilization rate.

At this time, the estimated amount of payment may be estimated in consideration of at least one of the user purchase pattern, the purchase amount information of the one user in the store, and the one-time purchase amount information of the same user group to the affiliate shop group.

According to another aspect of the present invention, there is provided a method for recommending an optimal card using a progress bar, comprising the steps of: checking at least one of a target performance and a current usage performance corresponding to at least one card registered in an application; Calculating an actual achievement rate corresponding to the at least one card using at least one of the target achievement and the current month use achievement; Generating, for the at least one card, a bar bar of a length corresponding to the target performance and generating a progress bar corresponding to the at least one card by populating the bar bar corresponding to the performance achievement rate; And providing a card recommendation interface to the terminal of the user indicating the progress bar with the at least one card so that the user can select an optimal card from the at least one card.

At this time, the card recommendation interface may superimpose at least one of a membership card, an earning card, and a discount coupon that can be used with the at least one card, superimposed on the card image.

At this time, the optimal card recommendation method may include recommending at least one of the at least one expected product to be purchased at the store by the user and the estimated amount of payment expected to be used at the store by the user, And a step of calculating a priority.

At this time, the card recommendation interface can display and sort the card images according to the recommendation priority.

In this case, the step of calculating the recommendation priority level may adjust the recommendation priority based on any one of the benefit rate and the current month usage based on the performance estimation period corresponding to the at least one card.

At this time, the card recommendation interface may indicate the progress bar in either the horizontal or vertical direction of the card image.

At this time, the checking may be performed by accessing a web site of a card company corresponding to the at least one card on the Internet, and checking the target achievement and the current use performance.

At this time, the at least one expected purchase product may include a user purchase pattern in the member store group corresponding to the store, a purchase pattern of the same user group as the user in the member store group, benefit information provided in the store, And the utilization rate.

At this time, the estimated amount of payment may be estimated in consideration of at least one of the user purchase pattern, the purchase amount information of the one user in the store, and the one-time purchase amount information of the same user group to the affiliate shop group.

As another means for solving the problem of the present invention, there is provided a computer program stored in a medium for executing the above-described method.

In addition, the optimum card recommendation system using the progress bar according to the present invention checks at least one of target achievement and current month use achievement corresponding to at least one card registered in the application, and calculates an achievement achievement rate corresponding to at least one card And generating a progress bar corresponding to the at least one card by filling a stick bar of a length corresponding to the target achievement corresponding to the performance achievement rate, An optimum card recommendation device for providing a card recommendation interface indicating a bar; And a terminal for providing an optimal card to the user through the card recommendation interface.

According to the present invention, the user can recognize the payment card and the member sim card having a lot of benefits at a glance, and at the same time, the recommendation interface for selecting the payment card naturally considering the card use performance achievement rate can be provided.

In addition, the present invention can recommend the most suitable payment card by predicting the goods and amount to be purchased by the user so that the user can use the automatic payment service when paying the goods at the shop through the mobile terminal.

In addition, the present invention may recommend payment and membership cards that receive the most benefits, such as discounts or credits, depending on the product and amount that the user is expected to purchase.

In addition, the present invention maximizes the convenience of the user by allowing the user to make a settlement while minimizing the operation for performing settlement in the shop using the mobile terminal.

In addition, the present invention can recommend a card that provides optimal benefits even when the goods and the settlement amount are not defined, such as a store check-in service.

1 is a block diagram illustrating a payment system using an application payload according to an embodiment of the present invention.
2 is a flowchart illustrating an example of a settlement method using BLE PUSH of the settlement system shown in FIG.
3 is a flowchart illustrating an example of a general settlement method of the settlement system shown in FIG.
FIGS. 4 to 5 are views showing a settlement progress screen in the case of an application member in the settlement method using BLE PUSH shown in FIG. 2. FIG.
FIGS. 6 to 7 are diagrams showing a membership subscription screen in the case of an application non-member in the settlement method using BLE PUSH shown in FIG. 2. FIG.
8 is a block diagram illustrating an optimum card recommendation apparatus according to an embodiment of the present invention.
9 is a diagram illustrating a card recommendation interface screen according to an embodiment of the present invention.
10 is a flowchart illustrating an optimal card recommendation method using a progress bar according to an embodiment of the present invention.
FIG. 11 is an operation flowchart illustrating in detail an expected purchase product estimation process according to an embodiment of the present invention.
FIG. 12 is a detailed flowchart illustrating a process for estimating a settlement amount according to an exemplary embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms and words used in the present specification and claims should not be construed to be limited to ordinary or dictionary meanings and the inventor is not limited to the concept of terminology for describing his or her invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible. Also, the terms first, second, etc. are used for describing various components and are used only for the purpose of distinguishing one component from another component, and are not used to define the components.

1 is a block diagram illustrating a payment system using an application payload according to an embodiment of the present invention.

1, a payment system using an application payload according to an exemplary embodiment of the present invention includes an application server 110, a terminal 120, a POS device 130, a BLE server 140, and a BLE device 150 .

The billing system according to an embodiment of the present invention may correspond to a system for performing settlement using an application page based on an application installed in a user's mobile terminal when purchasing a product in an offline store.

The application server 110 may be a server that provides an application 111 for performing settlement together with information related to settlement to a user terminal 120 and proceeds with settlement related procedures. At this time, the application server 110 can transmit and receive data through the network.

In this case, the network provides a path for transferring data between the application server 110 and the terminal 120, and is a concept including both existing networks and future developable networks. For example, the network may be a wired or wireless local area network that provides communication of various information devices within a limited area, a mobile communication network that provides communication between mobile objects and mobile objects outside the mobile object, A satellite communication network, a wired / wireless communication network, or a combination of two or more. Meanwhile, the network transmission standard is not limited to the existing transmission standard but may include all transmission standard to be developed in the future. 1, the network used between the application server 110 and the terminal 120 is different from the network used between the application server 120, the POS device 130, the BLE server 140 and the terminal 120 Or it may be the same.

The terminal 120 receives information corresponding to goods settlement from the application server 110 using an application and provides the information to the user.

The terminal 120 is connected to a communication network and is capable of executing applications. The terminal 120 may be a mobile phone, a portable multimedia player (PMP), a mobile internet device (MID), a smart phone, A mobile terminal having various mobile communication specifications such as a notebook computer, a notebook computer, a netbook, a personal digital assistant (PDA), and an information communication device.

In addition, the terminal 120 may receive various information such as numeric and character information, and may transmit various signals to the control unit through the input unit in order to set various functions and control the function of the terminal 120. The input unit of the terminal 120 may include at least one of a keypad and a touchpad that generates an input signal according to a user's touch or operation. At this time, the input unit of the terminal 120 may be configured in the form of one touch panel (or touch screen) together with the display unit of the terminal 120 to simultaneously perform input and display functions. The input unit of the terminal 120 may be any type of input unit that can be developed in addition to an input unit such as a keyboard, a keypad, a mouse, a joystick, and the like. In particular, the input unit of the terminal 120 according to the present invention may transmit an input signal for selecting a card or performing a settlement to the control unit of the terminal 120 based on the optimal card recommendation system.

In addition, the display unit of the terminal 120 may display information on a series of operation states, operation results, and the like that occur while the terminal 120 is performing its functions. In addition, the display unit of the terminal 120 can display menus of the terminal 120 and user data input by the user. Here, the display unit of the terminal 120 may be a liquid crystal display (LCD), a thin film transistor LCD (TFT-LCD), a light emitting diode (LED), an organic light emitting diode An organic light emitting diode (OLED), an organic light emitting diode (OLED), a retina display, a flexible display, and a three-dimensional display. In this case, when the display unit of the terminal 120 is configured as a touch screen, the display unit of the terminal 120 may perform some or all of the functions of the input unit of the terminal 120. In particular, the display unit of the terminal 120 according to the present invention may display on the screen information related to the optimal recommendation card and settlement provided on the basis of the optimal card recommendation system.

The storage unit of the terminal 120 is a device for storing data, and may include a main storage device and an auxiliary storage device, and may store an application program required for the functional operation of the terminal 120. [ The storage unit of the terminal 120 may include a program area and a data area. Here, if the terminal 120 activates each function in response to a request from the user, the terminal 120 executes the corresponding application programs under the control of the controller to provide each function. In particular, the storage unit of the terminal 120 according to the present invention may store an operating system for booting the terminal 120, a program for recommending a card or performing a payment based on an optimal card recommendation system, and the like. Also, the storage unit of the terminal 120 may store information of the content DB and the terminal 120, which store a plurality of contents. At this time, the content DB includes execution data for executing the content and attribute information about the content, and content usage information according to the execution of the content can be stored. The information of the terminal 120 may include terminal specification information.

In addition, the communication unit of the terminal 120 can perform a function of transmitting and receiving data to and from the application server 110 via a network. Here, the communication unit of the terminal 120 may include RF transmitting means for up-converting and amplifying the frequency of the transmitted signal, RF receiving means for low-noise amplifying the received signal and down-converting the frequency. The communication unit of the terminal 120 may include at least one of a wireless communication module and a wired communication module. When the terminal 120 uses wireless communication, the wireless communication module uses any one of a wireless network communication module, a wireless LAN communication module, and a wireless fan communication module to transmit / receive data according to a wireless communication method. Data can be transmitted to and received from the application server 110. The wired communication module is for transmitting / receiving data by wire. The wired communication module can connect to the network through a wired network and transmit / receive data to / from the application server 110. That is, the terminal 120 connects to the network using a wireless communication module or a wired communication module, and can exchange data with the application server 110 through the network. In particular, the network according to the present invention can transmit / receive data necessary for recommending the optimal card based on the optimal card recommendation system by communicating with the terminal 120, the application server 110, the BLE server 140, and the like.

In addition, the control unit of the terminal 120 may be an operating system (OS) and a process unit for driving each configuration. For example, the control unit may control the entire process of accessing the application server 110 When accessing the application server 110 through a separate service application, it is possible to control the entire process of executing the service application according to the request of the user, and at the same time, And at the same time, the information of the terminal 120 necessary for user authentication can be controlled to be transmitted together.

In addition, the control unit of the terminal 120 can execute the specific content stored in the storage unit of the terminal 120 according to a user's request. At this time, the control unit may store the content usage history according to the execution of the content as the content usage information.

Also, the user terminal 120 may have an application for the application pay service, and may correspond to the terminal 120 of the user subscribed to the application pay service.

The POS device 130 may correspond to a device capable of performing settlement of goods in the store 160 and capable of performing an application pay service based on communication with the application server 110. [

The BLE server 140 may be a server for locating the terminal 120 and providing information using Bluetooth low energy.

At this time, Bluetooth low-power technology is a short-range wireless communication technology that periodically transmits information of objects based on Bluetooth 4.0 within a predetermined radius range. That is, even if the user of the terminal 120 does not take a separate action, it can automatically grasp the location of the user and provide a signal for a payment service.

At this time, the beacon is a near-field data communication technology using Bluetooth low energy (BLE), and it can be applied to a variety of application services such as object and situation recognition, content push, indoor location, automatic check-in, and geo-fencing . ≪ / RTI > Compared to previous similar technologies, it is more convenient and less costly to provide a catalyst for new service markets. At this time, a beacon may mean all devices that periodically transmit a signal. For example, the BLE device 150 shown in FIG. 1 may correspond to a beacon.

Such a beacon can be divided into a sound-based low frequency beacon, an LED beacon, a Wi-Fi beacon, and a Bluetooth beacon according to a method of transmitting a signal. In addition, the beacon can transmit a periodic signal with a small amount of packets corresponding to approximately 21 bytes, and it does not require any pairing with the receiver, and operates at low power. However, the ID value of the beacon transmitter and the received signal strength It is possible to transmit a signal corresponding to < RTI ID = 0.0 > In addition, since it is cheap and compact, it can be easily attached anywhere, so that it can be used freely anywhere in an offline store.

For example, if a user and a customer who have a beacon installed in a specific location in the store 160 enter a region of the BLE beacon, the terminal 120 may be detected and a signal including information may be transmitted .

The store 160 may correspond to an offline store where settlement is performed, and may correspond to an application pay agent and an application pay service affiliate store where the BLE device 150 is installed.

Hereinafter, a billing system according to an embodiment of the present invention will be described according to a service flow.

First, the user can enter the store 160 with the terminal 120.

At this time, it is possible to detect that the user enters the store 160 by using a beacon which is a BLE-based near field data communication technology.

That is, according to the present invention, the BLE signal transmitted from the BLE device 150, which is a beacon located in the store 160, can be received by the BLE SDK 141 at the terminal 120 in which the Bluetooth is activated. At this time, it is also possible to receive the BLE signal through the installed application 111 based on the BLE SDK 141. Thereafter, when the terminal 120 transmits information included in the BLE signal to the BLE server 140, the BLE server 140 can provide the terminal 120 with information related to the BLE benefit corresponding to the BLE signal .

Thereafter, the terminal 120 can access the application server 110 based on the BLE benefit information received from the BLE server 140 through the application.

At this time, the application server 110 may include at least one module for performing settlement.

For example, the application server 110 may include a membership providing module that can provide membership information based on user information of the terminal 120 and store information corresponding to the store 160. At this time, the membership providing module may include a separate database capable of storing membership information for each user and store information for each store.

In another example, the application server 110 may include an application pay module for performing payment through an application pay page. At this time, the application pay module may include credit card information or bank information for performing payment through the application pay page. For example, when a user pays an application pay via a credit card to purchase goods at the store 160, the application pay payment module and the credit card application can transmit and receive data for real time settlement.

At this time, the application pay module may include an optimal card recommendation device for recommending an optimal card considering credit discount, benefit, and accumulation among credit cards owned by the user based on credit card information. For example, an optimal card according to a discount rate or an accumulation rate can be recommended by combining the benefit information provided when the achievement of the previous month target performance is achieved by the type of the credit card and the benefit information provided through the membership card. In addition, the optimum card recommender may be configured independently of the application pay module.

In another example, the application server 110 may provide benefit information for a coupon or gift card that the user can use in the store 160 together with membership information through the membership providing module, event and marketing information in progress in the store 160 And a store information providing module capable of providing the store information providing module. For example, the store information providing module may inquire the gift server or coupon that the user can use in the store 160 through the application, and provide the gift information to the application server 110 so that the user can use the gift information You can use coupons. In addition, the store information providing module provides the application server 110 with event information and marketing information corresponding to a plurality of stores providing services according to the payment system according to an embodiment of the present invention, And provides information on the event and marketing in progress to the user terminal 120 in step 160.

Thereafter, a user connected to the application server 110 through the terminal 120 can perform pre-authentication in the application pay service for purchasing goods in the store 160. [ For example, the BLE device 150 may receive a purchase related push message and enter a step for pre-authentication with an action such as clicking a purchase button included in the push message. At this time, various methods such as a PIN number input, a picture image gesture, and a touch gesture can be used as pre-authentication for purchase, i.e., primary authentication.

Thereafter, the user moves to the POS device 130 with the goods to be purchased at the store 160 and expresses intention to pay through the application pay at the clerk of the store 160, performs second authentication for purchase and payment can do. For example, as a secondary authentication method, a user may enter a movement gesture pattern using the terminal 120 in a settlement zone, a method in which a user places a terminal 120 in a zone for settlement near the POS device 130, A method of inputting a touch pattern on a sine pad included in the POS device 130, a method of generating an intersection point on a sine pad, a query response method, and the like.

Also, the secondary authentication can proceed with settlement after confirming the user using the application pay service through the POS device 130 after the clerk of the store 160 has scanned the purchased product.

Thereafter, when the second authentication is completed, the application server 110 can transmit a message to at least one of the user terminal 120 or the POS device 130 to inform whether or not the settlement through the application page has been successfully performed.

With such a payment system using the application pay, it is possible for a user to settle a product using an optimal card simply by performing a first authentication at the store 160 and performing a simple secondary authentication.

2 is a flowchart illustrating an example of a settlement method using BLE PUSH of the settlement system shown in FIG.

Referring to FIG. 2, in the billing system shown in FIG. 1, a method of performing settlement based on BLE PUSH, i.e., a push message, is as follows. When a user subscribed to an application pay service enters an offline store, The BLE signal to be transmitted is recognized (S210).

Thereafter, the payment button is exposed to at least one of the Lockscreen screen and the BLE Noti window of the user terminal together with the coupon information and the discount information included in the BLE signal, and is provided to the user (S220).

Thereafter, it is determined whether the user selects a body region corresponding to coupon information and discount information exposed to the terminal (S225).

If the user selects the body region as a result of the determination in step S225, the detailed information screen of the store that transmitted the BLE signal is output to the user terminal (S230).

Thereafter, the user selects an application pay service included in the store detailed information screen, that is, a payment button (S240), and outputs a PIN number input window to the user terminal to perform the primary authentication for the application pay service (S250).

At this time, the primary authentication may be performed using the picture image gesture authentication technique or the touch gesture authentication technique.

At this time, if the user is not subscribed to the application pay service, the subscription button for subscribing to the application pay service may be displayed instead of the application pay service and the payment button on the detailed information screen of the store.

If it is determined in step S225 that the body region is not selected, it is determined whether a payment button is selected (S235).

As a result of the determination in step S235, if the user selects the payment button, the PIN number input window is displayed on the user terminal to perform the first authentication for the application pay service (S250).

If it is determined in step S235 that the user does not select the payment button, the user can determine that the application pay service is not used and terminate the process.

Thereafter, when the user inputs the PIN number through the terminal and the primary authentication is performed, the payer information corresponding to the user is displayed on the POS device of the store (S260). For example, you can display a picture of a user so that the clerk at the store can easily identify the payee.

Thereafter, the user selects a product to be purchased at the store, and the POS device requests payment to the salesperson through the application pay (S270).

At this time, the POS device can perform the secondary authentication for the application pay service. For example, the second authentication is a method in which a user places a terminal in a zone for settlement near a POS device, a method for inputting a movement gesture pattern using a terminal in a settlement zone, a touch on a sign pad included in the POS device, A method of inputting a pattern, a method of generating an intersection point on a sine pad, a query response method, and the like.

Thereafter, it is determined whether the settlement through the application page is successful (S275). If the settlement is successful as a result of the determination in the step S275, the purchase history or payment history is displayed on the terminal of the user (S280).

If the payment is unsuccessful as a result of the determination in step S275, a failure guidance message for payment is displayed through the user terminal (S290).

At this time, the cause of the payment failure may be briefly displayed together with the text.

3 is a flowchart illustrating an example of a general settlement method of the settlement system shown in FIG.

Referring to FIG. 3, a payment method of the billing system shown in FIG. 1 is such that a user subscribed to an application pay service enters an offline store and executes an application installed in the terminal (S302).

At this time, the application may correspond to the application for the application pay service.

Thereafter, the user selects an application page on the card screen showing the payment card registered in the application (S304).

At this time, the application page can be registered as one of the payment cards in the application like the credit card.

Thereafter, the PIN number input window is output to the user terminal to perform the primary authentication for the application pay service (S306).

At this time, the primary authentication may be performed using the picture image gesture authentication technique or the touch gesture authentication technique.

Thereafter, it is determined whether the terminal that has performed the primary authentication can recognize the terminal through the BLE signal (S308).

As a result of the determination in step S308, if it is possible to recognize the BLE, the POS terminal recognizes the user terminal based on the BLE technology and displays payee information corresponding to the user in step S310.

Thereafter, the user selects a product to be purchased at the store, and the POS device requests payment to the salesperson through the application pay (S312).

At this time, the POS device can perform the secondary authentication for the application pay service. For example, the second authentication is a method in which a user places a terminal in a zone for settlement near a POS device, a method for inputting a movement gesture pattern using a terminal in a settlement zone, a touch on a sign pad included in the POS device, A method of inputting a pattern, a method of generating an intersection point on a sine pad, a query response method, and the like.

If it is determined in step S308 that the BLE can not be recognized, a barcode for performing settlement is generated in the user terminal and output (step S314).

At this time, the barcode may correspond to a barcode capable of performing payment through the application payload.

Then, when the user selects a product to be purchased at the store and presents the barcode generated at the terminal in the POS device, the clerk scans the barcode at step S316, and displays the benefits that can be applied to the terminal through the application and displays the result to the user S318).

At this time, information on the benefit can be provided through a popup push message.

If it is determined in step S320 that the payment is successful, the payment history information is displayed on the terminal of the user along with the success message for the payment in step S320. (S322).

If the settlement fails as a result of the determination in step S320, a failure guidance message for settlement is displayed through the user terminal (step S324).

At this time, the cause of the payment failure may be briefly displayed together with the text.

 FIGS. 4 to 5 are views showing a settlement progress screen in the case of an application member in the settlement method using BLE PUSH shown in FIG. 2. FIG.

Referring to FIGS. 4 to 5, when a user who subscribes to the application pay service enters the offline store, the payment method using the BLE PUSH shown in FIG. 2 outputs an application installed in the terminal to the user, do.

At this time, the BLE signal transmitted by the beacon installed in the store can be recognized through the application installed in the terminal, and the product benefit screen 410 including discount information and coupon information in the store included in the BLE signal can be exposed to the terminal .

At this time, when the terminal is locked, the commodity benefit screen 410 can output discount information and coupon information together with a button for making a payment on the lockscreen 412 of the terminal.

The merchandise benefit screen 410 may also output discount information and coupon information together with a button for payment in the BLE Noti 411 of the terminal.

At this time, if the user selects the body area indicating discount information and coupon information on the product benefit screen 410, the detailed screen 420 of the store corresponding to the product benefit screen 410 can be output to the terminal.

At this time, more detailed discount and coupon information can be outputted together with the store information on the detailed screen 420 of the store. Also, a payment button may be output together so that the user can proceed with the payment process at any time.

At this time, when the user selects a payment button to be displayed on the detailed screen 420 of the store or the merchandise benefit screen 410, the payment PIN input window 430 is output to perform the primary authentication for the application pay service can do.

At this time, in addition to the PIN number input authentication method, the first image authentication method may use the picture image gesture authentication method or the touch gesture authentication method.

When the primary authentication is completed by inputting the PIN of the user, the information of the user whose primary authentication has been completed, that is, the information of the purchaser who has completed the primary authentication, is displayed on the payment screen 510 of the POS device installed in the store.

Thereafter, when the user who has completed the first authentication goes to the POS device with the goods to be purchased and requests the clerk to settle the application fee, the clerk can check the user through the settlement screen 510. For example, you can check through your photos.

At this time, the second payment for the application pay service can be performed and the settlement can proceed.

Thereafter, if the settlement using the application pay is successful, the settlement success message 511 can be transmitted to the user terminal.

At this time, the settlement success message 511 may display the name of the settlement, the settlement means, and the settlement amount.

In addition, if the payment is unsuccessful, the payment failure message 512 is transmitted to the user terminal, and the settlement screen 513 may be output to the terminal again to perform settlement.

At this time, it is possible to output a settlement button or a barcode for payment of an application pay to the settlement screen 513 again.

FIGS. 6 to 7 are diagrams showing a membership subscription screen in the case of an application non-member in the settlement method using BLE PUSH shown in FIG. 2. FIG.

6 to 7, when a user who is not a member of the application pay service enters the offline store in the payment method using BLE PUSH shown in FIG. 2, the product benefit screen 610 is displayed to the user through the application installed in the terminal Output.

At this time, the BLE signal transmitted by the beacon installed in the store can be recognized through the application installed in the terminal, and the product benefit screen 610 including discount information and coupon information in the store included in the BLE signal can be exposed to the terminal .

At this time, when the terminal is locked, the product benefit screen 610 displays discount information and coupon information on the lockscreen 612 of the terminal, but the payment button may not be outputted because the application pay service is not a member.

The product benefit screen 610 may also output discount information and coupon information to the BLE Noti 611 of the terminal.

At this time, if the user selects the body area indicating discount information and coupon information on the product benefit screen 610, the detailed screen 620 of the store corresponding to the product benefit screen 610 can be output to the terminal.

At this time, more detailed discount and coupon information can be output along with store information on the detailed screen 620 of the store. Also, a button for subscribing to a pay app for subscribing to the application pay service may be displayed together so that the user can subscribe to a service for payment at any time.

At this time, if the user selects the "Subscribe to pay APP" button, the user can output the agreement agreement screen 630 necessary for subscribing to the application pay service to the user terminal.

Thereafter, if the user agrees to the terms, the user authentication screen 710 can be output to the terminal to perform authentication of the user himself / herself.

At this time, the identity authentication may be performed by inputting the user's name, resident registration number, communication company, mobile phone number, etc., and inputting the authentication number.

Thereafter, when the authentication of the user is completed, the payment PIN registration screen 720 can be output to the terminal to register the payment PIN number to be used in the application pay service.

Thereafter, the card information registration screen 730 can be output to the terminal for registering a card to be used in the application pay service.

After inputting all the information, the subscription confirmation screen 740 is finally output. When the user selects confirmation, the subscription can be completed.

Thereafter, a button for making a payment to the user terminal is outputted to perform the primary authentication through the PIN number, and then the application pay service can be provided.

8 is a block diagram illustrating an optimum card recommendation apparatus according to an embodiment of the present invention.

8, the optimal card recommendation apparatus 800 according to an embodiment of the present invention includes a communication unit 810, a card performance check unit 820, a performance achievement rate calculation unit 830, a progress bar generation unit 840, a priority calculating unit 850, an interface providing unit 860, and a storage unit 870.

The communication unit 810 transmits and receives information necessary for recommendation of an optimal card to a user terminal through a communication network such as a network. In particular, the communication unit 810 according to an embodiment of the present invention may receive card information for checking card performance for at least one card from a web site or a card application.

In addition, the terminal may receive information for estimating at least one expected product to be purchased and the estimated amount of payment from the terminal, and may provide the terminal with information corresponding to the optimal card.

At this time, it is also possible to receive information for estimating at least one purchase expected product and an estimated payment amount from a separate application server. For example, user information such as user's purchase information, personal information, possessed payment card, and membership card information, and events, discounts, and marketing information provided in the store can be received.

The card performance check unit 820 checks at least one of a target performance corresponding to at least one card registered in the application and a current use performance.

At this time, at least one card may include a payment card such as a cash card, a check card, and a credit card for settlement.

In this case, the application may include a mobile payment application, a mobile wallet application, and the like, which register the card information of the user so that the terminal can perform settlement using the card information.

At this time, the target performance may differ depending on the type of the card, and the benefit provided by the card company according to the achievement of the target performance by the present month may be different.

At this time, it is possible to access the web site of the card company corresponding to at least one card on the Internet, and to check the target achievement and the actual use performance of the present month. For example, based on the information of the card registered in the mobile wallet, it is possible to access the homepage of the card company and obtain the information.

The performance achievement rate calculation unit 830 calculates an achievement achievement rate corresponding to at least one card using at least one of the target achievement and the current month use achievement.

At this time, the achievement rate may correspond to 100% if the current monthly use corresponds to the target performance. That is, the achievement rate may correspond to a percentage of the current use of the target achievement, and even if the current use exceeds the target achievement rate, the achievement rate may be expressed as 100%.

The progress bar generating unit 840 generates a bar bar corresponding to the target performance for at least one card and generates a progress bar corresponding to at least one card by filling the bar bar corresponding to the performance achievement rate.

At this time, the target achievements of the plurality of cards may be different from each other, but the lengths of the bar bars corresponding to the target achievements of the plurality of cards may be the same. For example, assuming that the length of the bar is 100% of the length of the bar, it is possible to indicate the achievement rate of the multiple cards to be filled in the bar bar, respectively. Therefore, the same progress bar may be generated for Card A with a target performance of 500,000 won and current monthly usage of 250,000 won, and Card B with a target performance of 400,000 won and current monthly usage of 200,000 won.

At this time, the progress bar can be updated every time the user uses the card. In other words, since the user uses the card to increase the use of the current month, the progress bar can be updated by reflecting the usage amount to the achievement rate every time the card is used.

The priority calculation unit 850 calculates the recommendation priority of at least one card in consideration of at least one of the at least one purchase expected product that the user is expected to purchase at the store and the expected payment amount that the user is expected to use at the store do.

In other words, the conventional card recommendation technique recommends the optimal payment card and membership card considering the information on the type and the price of the product in a state in which the product to be purchased by the user has already been determined. We were able to recommend the card only by entering information or providing merchandise information via POS at the store. However, such a card recommendation technique has not provided any convenience other than the convenience of providing information about a card to be paid when a user purchases a product at a POS.

On the other hand, as in the present invention, a process in which a user actually performs a settlement through a POS is performed by performing a card recommendation by predicting a product that the user is expected to buy in advance, It can help to be concise and convenient.

In addition, in addition to estimating the expected commodity to be purchased, the reason for estimating the estimated additional payment amount is that there may be a benefit provided when the settlement exceeds a predetermined amount. Therefore, the amount of money to purchase the product, that is, the amount of payment, may be a very important factor in card recommendation. For example, suppose that a discount is offered when a customer buys over $ 100 in a specific payment card at a store visited, and the customer purchases a product that is expected to be purchased at that store, corresponding to $ 100, You can get a lot of benefits.

At this time, the recommendation priority can be adjusted based on the benefit rate and the current monthly usage based on the performance estimation period corresponding to at least one card.

For example, if the settlement date for the payment is early in the performance period, it may be desirable to increase the likelihood of the user to choose by placing a higher priority on cards with immediate benefits rather than accrual rates or current monthly usage. Therefore, in such a case, the discount or accumulation rate may be different depending on whether the payment card is a credit card, a cash card, or a check card. Therefore, by checking the discount and accumulation rate for each type of payment card, .

As another example, if the settlement date of the settlement is the last of the performance period, it may be more important to fill the target performance for the benefit of the next month than to receive the benefit immediately. In other words, it may be desirable to give priority to the user to select a card that has a possibility of reaching the target performance during the remaining performance estimation period among the cards in which the current monthly usage has not yet reached the target performance.

At this time, the at least one expected purchase product may include at least one of a user purchase pattern in the merchant group corresponding to the store, a purchase pattern of the same user group as the user in the merchant group, benefit information provided in the store, . ≪ / RTI >

For example, a user's purchase pattern can be generated for each group of merchants by using information such as the type of the products purchased by the user, the purchase timing, or the price range of the purchased items in the group of merchants selling the daily necessities.

Another example is to create a user group based on other users corresponding to similar information based on the user's age, sex, occupation, and preference information, generate a purchase pattern of the user group, It can also be used for estimation.

Another example is to acquire the information of the store that the user has entered and acquire the benefit information currently provided at the store, that is, information about the discounted product, the 1 + 1 product or the time-limited product, .

In another example, a user may estimate an expected purchase product by considering how the user benefits from the purchase of the product. In other words, a pattern that considers more favorable benefit information during discount and accumulation or utilizes accumulated points may be considered in estimating the expected purchase product.

At this time, the unnecessary goods item may be calculated by considering at least one of the information of the most recently purchased goods and the purchase date of the merchant group by the user, and the unnecessary goods item may be excluded when estimating at least one item to be purchased .

For example, if a merchandise is purchased from the same merchant group as the store before the user visits the store, the merchandise may not be likely to be purchased at the store. Therefore, when estimating the expected product to be purchased at the current store, it is possible to recognize and exclude the product previously purchased from the same shop group as an unnecessary product item.

In another example, when there is a product purchased from the same franchise group as the store before the user visits the store, it is estimated as a product to be purchased, considering the purchase timing of the product and the discount of the product You may. In other words, if a user has discounted hair gels at a hair product store visited by a user and the user has purchased the hair gel one month in advance, it may be highly likely to benefit from the visit and purchase the hair gel.

At this time, the estimated payment amount may be estimated by considering at least one of the user purchase pattern, the one-user purchase amount information in the store, and the one-time purchase amount information of the same user group for the member store group.

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

The interface providing unit 860 provides a card recommendation interface indicating a progress bar with a card image of at least one card to a user terminal so that the user can select an optimum card among at least one card.

That is, the card image of the high-priority cards on the screen displayed to the user and the progress bar for gaining an understanding of the achievement rate of the cards at a glance are displayed together, so that it is most effective that the user performs the settlement using the current card It can be quickly recognized.

At this time, the card recommendation interface can display at least one of the membership card, the earning card, and the discount coupon that can be used together with at least one card, superimposed on the card image. In other words, it is possible to use the membership card which can be used together with the recommended payment card through the card recommendation interface and superimpose the membership card which can be used in the corresponding party on the card image, so that the user can receive the benefits of discount and accumulation without fail.

In addition, when the user can purchase a product using points accumulated in the membership card, the membership card may be displayed in a card recommendation interface by including it in a card recommendation list. Also, in the case where settlement using points is possible according to the setting of the user, it is also possible to recommend a membership card by placing a recommendation priority over a credit card or a check card.

At this time, the card recommendation interface can display and arrange the card images according to the recommendation priority. That is, according to the product expected to be purchased by the user and the estimated amount of the payment, the cards having higher priority of recommendation may be displayed on the cards recommended by the user, . As the cards having the high recommendation priority are displayed at the top via the card recommendation interface, the possibility that the user selects the card and performs the settlement may increase.

At this time, the card recommendation interface can display a progress bar in either the horizontal or vertical direction of the card image. At this time, the progress bar can be expressed in various forms according to the user's setting, and the progress rate of the current card performance with the progress bar can be expressed numerically.

The storage unit 870 stores various information generated in the optimum card recommendation service process according to an exemplary embodiment of the present invention as described above.

According to an embodiment, the storage unit 870 may be configured independently of the optimum card recommendation apparatus 800 to support a function for an optimal card recommendation service. In this case, the storage unit 870 may operate as a separate mass storage and may include a control function for performing operations.

On the other hand, the optimum card recommendation apparatus 800 can store information in a memory on which the memory is mounted. In one implementation, the memory is a computer-readable medium. In one implementation, the memory may be a volatile memory unit, and in other embodiments, the memory may be a non-volatile memory unit. In one implementation, the storage device is a computer-readable medium. In various different implementations, the storage device may comprise, for example, a hard disk device, an optical disk device, or any other mass storage device.

By using such an optimal card recommendation apparatus 800, the user can use the automatic payment service through the payment card recommended in advance when the user pays the goods through the mobile terminal.

In addition, by recommending payment and membership cards that receive the most benefits, such as discounts and credits, depending on the product and amount that the user expects to purchase, they can help the user make the right purchase and make a reasonable purchase .

In addition, it is possible to maximize the user's convenience when purchasing a product by minimizing the operation for the user to perform settlement in the shop using the mobile terminal.

9 is a diagram illustrating a card recommendation interface screen according to an embodiment of the present invention.

9, the card recommendation interface screen 910 according to an embodiment of the present invention includes discount cards 931 to 932 for each card, membership cards 941 to 942, At least one of the performance achievement rate 951 and the performance progress bar 952 can be displayed.

At this time, the card recommendation interface screen 910 can display the recommendation cards 921 to 926 in the order of the recommendation priority. For example, as shown in FIG. 9, priority levels are calculated on the basis of the benefit rate, the recommendation cards 921 judged as having the greatest benefit are displayed at the top, and recommendation cards 922 through 926 It can be displayed in order below it.

The card recommendation interface screen 910 can display the discount information 931 to 932 discounted when the merchandise is purchased through the recommendation cards 922 to 926 on the recommendation cards 922 to 926 . For example, when a payment is made with the recommendation card 921, 500 won discount can be obtained according to the discount information 931.

The card recommendation interface screen 910 can also display information of the membership cards 941 to 942 usable with the recommendation cards 922 to 926 together with the recommendation cards 922 to 926 in a superimposed manner.

The card recommendation interface screen 910 also displays the current performance achievement rate 951 of the current month for the recommendation cards 922 to 926 together with the performance progress bar 952 so that the next month Achievement information can be easily confirmed. For example, in the case of a credit card, recommendation card (922 ~ 926) is recommended, and the achievement rate for next month benefit (951) can be managed.

At this time, the performance progress bar 952 can be displayed in either the horizontal or vertical direction of the card image of the recommended cards 922 to 926. For example, if the total bar bar length in the bar bar-shaped progress bar as shown in Fig. 9 indicates the target achievement, the achievement rate 951 may correspond to the filled bar.

Also, the performance progress bar 952 may be displayed in various forms according to the setting of the user.

10 is a flowchart illustrating an optimal card recommendation method using a progress bar according to an embodiment of the present invention.

10, an optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention is a method for recommending an optimal card using an optimal card recommendation apparatus using a progress bar, (S1010). ≪ / RTI >

At this time, at least one card may include a payment card such as a cash card, a check card, and a credit card for settlement.

In this case, the application may include a mobile payment application, a mobile wallet application, and the like, which register the card information of the user so that the terminal can perform settlement using the card information.

At this time, the target performance may differ depending on the type of the card, and the benefit provided by the card company according to the achievement of the target performance by the present month may be different.

At this time, it is possible to access the web site of the card company corresponding to at least one card on the Internet, and to check the target achievement and the actual use performance of the present month. For example, based on the information of the card registered in the mobile wallet, it is possible to access the homepage of the card company and obtain the information.

In addition, the optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention calculates an achievement achievement rate corresponding to at least one card using at least one of a target achievement and a current use performance (S1020).

At this time, the achievement rate may correspond to 100% if the current monthly use corresponds to the target performance. That is, the achievement rate may correspond to a percentage of the current use of the target achievement, and even if the current use exceeds the target achievement rate, the achievement rate may be expressed as 100%.

The optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention may include generating a bar bar having a length corresponding to a target performance for at least one card and filling the bar bar corresponding to the performance achievement rate, (Step S1020).

At this time, the target achievements of the plurality of cards may be different from each other, but the lengths of the bar bars corresponding to the target achievements of the plurality of cards may be the same. For example, assuming that the length of the bar is 100% of the length of the bar, it is possible to indicate the achievement rate of the multiple cards to be filled in the bar bar, respectively. Therefore, the same progress bar may be generated for Card A with a target performance of 500,000 won and current monthly usage of 250,000 won, and Card B with a target performance of 400,000 won and current monthly usage of 200,000 won.

At this time, the progress bar can be updated every time the user uses the card. In other words, since the user uses the card to increase the use of the current month, the progress bar can be updated by reflecting the usage amount to the achievement rate every time the card is used.

In addition, although not shown in FIG. 10, the optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention includes at least one expected product to be purchased by a user in a store, The recommendation priority ranking of at least one card is calculated in consideration of at least one of the estimated payment amounts.

In other words, the conventional card recommendation technique recommends the optimal payment card and membership card considering the information on the type and the price of the product in a state in which the product to be purchased by the user has already been determined. We were able to recommend the card only by entering information or providing merchandise information via POS at the store. However, such a card recommendation technique has not provided any convenience other than the convenience of providing information about a card to be paid when a user purchases a product at a POS.

On the other hand, as in the present invention, a process in which a user actually performs a settlement through a POS is performed by performing a card recommendation by predicting a product that the user is expected to buy in advance, It can help to be concise and convenient.

In addition, in addition to estimating the expected commodity to be purchased, the reason for estimating the estimated additional payment amount is that there may be a benefit provided when the settlement exceeds a predetermined amount. Therefore, the amount of money to purchase the product, that is, the amount of payment, may be a very important factor in card recommendation. For example, suppose that a discount is offered when a customer buys over $ 100 in a specific payment card at a store visited, and the customer purchases a product that is expected to be purchased at that store, corresponding to $ 100, You can get a lot of benefits.

At this time, the recommendation priority can be adjusted based on the benefit rate and the current monthly usage based on the performance estimation period corresponding to at least one card.

For example, if the settlement date for the payment is early in the performance period, it may be desirable to increase the likelihood of the user to choose by placing a higher priority on cards with immediate benefits rather than accrual rates or current monthly usage. Therefore, in such a case, the discount or accumulation rate may be different depending on whether the payment card is a credit card, a cash card, or a check card. Therefore, by checking the discount and accumulation rate for each type of payment card, .

As another example, if the settlement date of the settlement is the last of the performance period, it may be more important to fill the target performance for the benefit of the next month than to receive the benefit immediately. In other words, it may be desirable to give priority to the user to select a card that has a possibility of reaching the target performance during the remaining performance estimation period among the cards in which the current monthly usage has not yet reached the target performance.

At this time, the at least one expected purchase product may include at least one of a user purchase pattern in the merchant group corresponding to the store, a purchase pattern of the same user group as the user in the merchant group, benefit information provided in the store, . ≪ / RTI >

For example, a user's purchase pattern can be generated for each group of merchants by using information such as the type of the products purchased by the user, the purchase timing, or the price range of the purchased items in the group of merchants selling the daily necessities.

Another example is to create a user group based on other users corresponding to similar information based on the user's age, sex, occupation, and preference information, generate a purchase pattern of the user group, It can also be used for estimation.

Another example is to acquire the information of the store that the user has entered and acquire the benefit information currently provided at the store, that is, information about the discounted product, the 1 + 1 product or the time-limited product, .

In another example, a user may estimate an expected purchase product by considering how the user benefits from the purchase of the product. In other words, a pattern that considers more favorable benefit information during discount and accumulation or utilizes accumulated points may be considered in estimating the expected purchase product.

At this time, the unnecessary goods item may be calculated by considering at least one of the information of the most recently purchased goods and the purchase date of the merchant group by the user, and the unnecessary goods item may be excluded when estimating at least one item to be purchased .

For example, if a merchandise is purchased from the same merchant group as the store before the user visits the store, the merchandise may not be likely to be purchased at the store. Therefore, when estimating the expected product to be purchased at the current store, it is possible to recognize and exclude the product previously purchased from the same shop group as an unnecessary product item.

In another example, when there is a product purchased from the same franchise group as the store before the user visits the store, it is estimated as a product to be purchased, considering the purchase timing of the product and the discount of the product You may. In other words, if a user has discounted hair gels at a hair product store visited by a user and the user has purchased the hair gel one month in advance, it may be highly likely to benefit from the visit and purchase the hair gel.

At this time, the estimated payment amount may be estimated by considering at least one of the user purchase pattern, the one-user purchase amount information in the store, and the one-time purchase amount information of the same user group for the member store group.

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

The optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention is a method for recommending an optimal card using a progress bar in order to allow a user to select an optimal card among at least one card, A card recommendation interface is provided (S1040).

That is, the card image of the high-priority cards on the screen displayed to the user and the progress bar for gaining an understanding of the achievement rate of the cards at a glance are displayed together, so that it is most effective that the user performs the settlement using the current card It can be quickly recognized.

At this time, the card recommendation interface can display at least one of the membership card, the earning card, and the discount coupon that can be used together with at least one card, superimposed on the card image. In other words, it is possible to use the membership card which can be used together with the recommended payment card through the card recommendation interface and superimpose the membership card which can be used in the corresponding party on the card image, so that the user can receive the benefits of discount and accumulation without fail.

In addition, when the user can purchase a product using points accumulated in the membership card, the membership card may be displayed in a card recommendation interface by including it in a card recommendation list. Also, in the case where settlement using points is possible according to the setting of the user, it is also possible to recommend a membership card by placing a recommendation priority over a credit card or a check card.

At this time, the card recommendation interface can display and arrange the card images according to the recommendation priority. That is, according to the product expected to be purchased by the user and the estimated amount of the payment, the cards having higher priority of recommendation may be displayed on the cards recommended by the user, . As the cards having the high recommendation priority are displayed at the top via the card recommendation interface, the possibility that the user selects the card and performs the settlement may increase.

At this time, the card recommendation interface can display a progress bar in either the horizontal or vertical direction of the card image. At this time, the progress bar can be expressed in various forms according to the user's setting, and the progress rate of the current card performance with the progress bar can be expressed numerically.

In addition, although not shown in FIG. 10, the optimal card recommendation method using a progress bar according to an exemplary embodiment of the present invention is a method in which an optimal card recommendation apparatus uses a separate communication module, And sends and receives information necessary for optimum card recommendation. In particular, the communication module according to an exemplary embodiment of the present invention may receive card information for checking card performance for at least one card from a web site or a card application.

In addition, the terminal may receive information for estimating at least one expected product to be purchased and the estimated amount of payment from the terminal, and may provide the terminal with information corresponding to the optimal card.

At this time, it is also possible to receive information for estimating at least one purchase expected product and an estimated payment amount from a separate application server. For example, user information such as user's purchase information, personal information, possessed payment card, and membership card information, and events, discounts, and marketing information provided in the store can be received.

In addition, although not shown in FIG. 10, the optimal card recommendation method using the progress bar according to an exemplary embodiment of the present invention may include various information generated in the optimum card recommendation service process according to an exemplary embodiment of the present invention And stores it in the storage module.

At this time, the storage module may be configured independently of the optimum card recommendation device to support the function for the optimum card recommendation service. At this time, the storage module may operate as a separate mass storage and may include control functions for performing operations.

Through such an optimal card recommendation method, a user can use an automatic payment service through a payment card that is recommended in advance when a user pays a product through a mobile terminal.

In addition, by recommending payment and membership cards that receive the most benefits, such as discounts and credits, depending on the product and amount that the user expects to purchase, they can help the user make the right purchase and make a reasonable purchase .

In addition, it is possible to maximize the user's convenience when purchasing a product by minimizing the operation for the user to perform settlement in the shop using the mobile terminal.

FIG. 11 is an operation flowchart illustrating in detail an expected purchase product estimation process according to an embodiment of the present invention.

Referring to FIG. 11, in step S1110, a user estimates a purchase prospective product according to an embodiment of the present invention when the user enters an offline store with a terminal, and checks the user terminal based on the BLE communication technology. For example, a beacon corresponding to a BLE device may be installed at the entrance of an offline store. Thereafter, when the user enters the area of the beacon, the application installed in the terminal recognizes the BLE signal transmitted by the beacon and transmits it to the application server. The application server checks the terminal of the user by transmitting the information to the POS device in the offline store .

Thereafter, user information and store information are acquired based on the application installed in the terminal (S1120). For example, the user information may be information related to the user such as personal information of the user subscribed to the application, purchase history information, and information of interest goods, and the store information may include events, discounts, benefits, etc. corresponding to the in- Lt; / RTI >

Thereafter, at least one of the purchase pattern of the user in the group of merchant stores corresponding to the store, the purchase pattern of the same user group as the user in the merchant group, the benefit information provided in the store, and the utilization rate of the user through the user information and store information (S1130).

Thereafter, at least one estimated product to be purchased is estimated based on the result of analyzing the information (S1140).

Thereafter, unnecessary goods items are calculated, and it is determined whether or not unnecessary goods are included in at least one of the goods to be purchased (S1155).

At this time, the unnecessary goods item can be calculated in consideration of at least one of the information of the merchandise most recently purchased by the merchant group and the purchase date.

If the result of the determination in step S1155 is YES, at least one expected purchase item is finalized by excluding unnecessary goods from at least one estimated purchase item estimated in step S1140 (S1160).

For example, if a user has a history of purchasing a printer toner cartridge of the same model at another specialty store one day before visiting a store selling the printer toner cartridge, the printer toner cartridge model may be less likely to be purchased again by the user have. Therefore, the printer toner cartridge of the model can be excluded from the purchased product.

If the result of the determination in step S1155 is not included, at least one estimated purchase product estimated in step S1140 is finalized as is (S1160).

FIG. 12 is a detailed flowchart illustrating a process for estimating a settlement amount according to an exemplary embodiment of the present invention.

Referring to FIG. 12, in step S1210, when a user enters an offline store with a terminal, the estimated amount of payment according to an exemplary embodiment of the present invention is checked based on the BLE communication technology. For example, a beacon corresponding to a BLE device may be installed at the entrance of an offline store. Thereafter, when the user enters the area of the beacon, the application installed in the terminal recognizes the BLE signal transmitted by the beacon and transmits it to the application server. The application server checks the terminal of the user by transmitting the information to the POS device in the offline store .

Thereafter, user information and store information are acquired based on the application installed in the terminal (S1220). For example, the user information may be information related to the user such as personal information of the user subscribed to the application, purchase history information, and information of interest goods, and the store information may include events, discounts, benefits, etc. corresponding to the in- Lt; / RTI >

Thereafter, the estimated amount of payment is obtained in consideration of at least one of the purchase pattern of the user, the purchase amount information of the one user in the store, and the one time purchase amount information of the same user group to the merchant group through the user information and the store information (S1230), and estimates a settlement amount based on the analyzed result (S1240).

For example, since the user can obtain the price information of the goods to be purchased by using the purchase pattern of the user that is considered when estimating the goods to be purchased, the estimated amount of payment can be estimated in consideration of the purchase pattern of the user.

As another example, the estimated amount of payment may be estimated using the average information of the amount of money that one user purchases at the store visited by the user.

As another example, it can be determined whether the store visited by the user is an expensive precious metal store or a comparatively low-priced commodity store, and the one-time purchase amount information in the group of affiliated stores can be considered. Also, by determining whether the user is a student, a housewife, or an employee, one-time purchase amount information of the same user group as the user can be considered. In other words, since the consumption tendency of the user may be different from that of the student and the worker, the estimated amount of payment may be estimated by considering the purchase amount information based on the user group.

The optimal card recommendation method according to the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions recorded on the medium may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Includes all types of hardware devices that are specially configured to store and execute magneto-optical media and program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like. Such a hardware device may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the optimum card recommendation system according to the present invention, the optimum card recommendation apparatus using the progress bar, and the method using the same are not limited to the configuration and method of the embodiments described above, All or some of the embodiments may be selectively combined so that various modifications may be made.

According to the present invention, at least one of target achievement and current month use achievement corresponding to at least one card registered in an application is checked, and at least one of achievement corresponding to at least one card Generating a bar bar corresponding to the target performance for at least one card and populating the bar bar corresponding to the performance achievement rate to generate a progress bar corresponding to at least one card, It is possible to provide a card recommendation interface that indicates a progress bar together with a card image of at least one card to the user terminal so that the user can select an optimum card among the plurality of cards. Furthermore, by maximizing the convenience of users purchasing products at stores or shops, it is possible to increase the income of stores or shops by inducing users to consume.

110: Application server 111: Application
120: terminal 130: POS device
140: BLE Server 141: BLE SDK
150: BLE device 160: store
410, 610: Product Benefits Screen 411, 611: BLE Noti
412, 612: Lockscreen 420, 620: Details of the store
430: Payment PIN input window 510: Payment screen
511: Payment successful message 512: Payment declined message
513: Resume payment window 630: Agreement agreement screen
710: Personal authentication screen 800: Optimal card recommendation device
810: communication unit 820: card performance check unit
830: Actual Achievement Ratio Calculator 840: Progress Bar Generator
850: priority calculating unit 860: interface providing unit
870: storage unit 910: recommended interface screen
921 ~ 926: Recommendation card 931 ~ 932: Discount information
941 ~ 942: Membership Card 951: Performance Achievement Rate
952: Performance Progress Bar

Claims (10)

A card performance check unit for checking at least one of a target performance and a current use performance corresponding to at least one card registered in the application;
A performance achievement rate calculator that calculates an achievement achievement rate corresponding to the at least one card using at least one of the target achievement and the current month use achievement;
A progress bar generating unit for generating, for the at least one card, a bar bar having a length corresponding to the target achievement and filling the bar bar corresponding to the performance achievement rate to generate a progress bar corresponding to the at least one card; And
An interface providing unit for providing a card recommendation interface indicating the progress bar together with a card image of the at least one card to the terminal of the user so that the user can select an optimum card among the at least one card,
And an optimum card recommendation apparatus using the progress bar. The method according to claim 1,
The card recommendation interface
Wherein at least one of a membership card, an earning card, and a discount coupon that can be used together with the at least one card is superimposed on the card image. The method of claim 2,
The optimum card recommendation apparatus
Calculating a priority order for calculating at least one recommendation priority of the at least one card in consideration of at least one of the at least one expected purchase product expected to be purchased at the store by the user and the expected payment amount expected to be used at the store by the user Wherein the optimal card recommendation apparatus further comprises a progress bar. The method of claim 3,
The card recommendation interface
And the card images are sorted and displayed according to the recommendation priority. The method of claim 3,
The priority-
Wherein the recommendation priority level is adjusted based on any one of the benefit rate and the current month usage based on a performance evaluation period corresponding to the at least one card. The method according to claim 1,
The card recommendation interface
Wherein the progress bar indicates the progress bar in either the horizontal or vertical direction of the card image. The method according to claim 1,
The card performance check unit
Wherein the controller is connected to a website of a card issuer corresponding to the at least one card on the Internet to check the target performance and the current use performance of the card. The method of claim 3,
The at least one expected purchase product
A purchase pattern of the same user group as the user in the merchant group, benefit information provided in the store, and benefit utilization rate of the user corresponding to the store, a user purchase pattern in the merchant group corresponding to the store, The optimum card recommendation device using the progress bar. The method of claim 8,
The estimated amount of payment
The purchasing amount information of the one user in the store, and the one-time purchasing amount information of the same user group to the merchant group. Recommended device. A method for recommending an optimal card using an optimum card recommendation apparatus using a progress bar,
Checking at least one of a target achievement corresponding to at least one card registered in the application and a current use performance;
Calculating an actual achievement rate corresponding to the at least one card using at least one of the target achievement and the current month use achievement;
Generating, for the at least one card, a bar bar of a length corresponding to the target performance and generating a progress bar corresponding to the at least one card by populating the bar bar corresponding to the performance achievement rate; And
Providing a user's terminal with a card recommendation interface indicating the progress bar with the at least one card so that a user can select an optimal one of the at least one card
Wherein the recommendation method comprises the steps of:

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