KR20180074085A - System and method for providing user's spending details using payment messages - Google Patents

Abstract

The present invention relates to a system and a method for providing a user consumption history using a payment message, which provide data including consumption details to a user by using a payment message received in a user terminal. The method comprises: a step (A) of enabling the user terminal which has received the payment message to extract payment information from the payment message, generate corresponding payment data, and transmit the payment data to an application server; a step (B) of enabling the application server which has received the payment data from the user terminal to examine the presence and validity of location data of the corresponding payment data; a step (C) of supplementing store information included in the corresponding payment data; and a step (D) of generating consumption history data including the supplementary store information. The payment message includes at least one of a store name, a payment time, or a payment amount. The corresponding payment data includes at least one of the store name, the payment time, the payment amount, or location data. Payment data, in which location data is missing, is corrected by payment data, in which the location data is secured, while implementing supplementation of the store name, in which accuracy is secured, by using the location data of the user terminal, thereby expanding the supplementation range of the store name.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a system and a method for providing a user's consumption history using a payment message,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for providing a user's consumption history using a payment message for providing data including consumption details to a user using a payment message received at a user terminal.

Nowadays, as settlements by electronic means increase day by day, it is difficult to check payment details, and consumers are feeling dull about their consumption or consumption.

In order to provide settlement details to such consumers, a service for transmitting payment details via a text message has been recently conducted.

However, in the case of the settlement history text message service, it is necessary to easily analyze the overall consumption pattern tendency of the consumer individual by integrating them.

As a result, apps such as a card planner have been developed, and apps have been developed that comprehensively collect messages about payment details individually received according to various payment methods and rearrange them for easy recognition by users.

However, since the payment information provided by these applications is composed of contents included in the SMS, the SMS has a problem that the length of the SMS is limited and the whole of the store name is not displayed.

In order to overcome these technical limitations, Korean Patent Laid-Open No. 10-2013-0054803 discloses a technique for providing information on a store.

However, in the related art, data for supplementing settlement information must be provided from the sales store, and payment information must also be provided from the card company. Thus, if the service by this technology is realized, there arises a problem of participation of the store and the card company.

Accordingly, there is a method of using the location data of the user terminal when receiving the SMS message and a method of comparing the store name of the database with the store name on the SMS message, as a method of supplementing the store information with only the SMS message received by the user.

Among the two methods, the method of using the position data of the user terminal is excellent in receiving the SMS message in terms of accuracy, but the payment information in which the position data is missing due to the activation degree of the GPS module of the user terminal and the reception state of the GPS signal necessarily occurs Thus, there is a problem that the payment information can not be completely supplemented.

(001) Korean Patent Publication No. 10-2013-0054803

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a method and a system for providing location data, And a method of providing a user's consumption history using a settlement message that can expand the supplementary width of a store name by correcting the settlement data with secured settlement data.

According to an aspect of the present invention for achieving the above object, (A) a user terminal receiving a payment message extracts payment information from the payment message, generates payment data, and transmits ; (B) the application server receiving the payment data from the user terminal examines presence / absence and availability of the payment data; (C) supplementing the store information included in the corresponding payment data; And (D) generating consumption history data including the supplementary store information. The payment message includes at least one of a store name, a settlement time, and a payment amount; The payment data includes at least one of a store name, payment time, payment amount, or location data.

The validity of the location data may be determined by a difference between the settlement time included in the corresponding settlement data and the time when the settlement data is received from the user terminal.

If the location data of the settlement data is valid, the store information supplement of the step (C) is a store name associated with the location data of the store information DB that is in the same range as the location data included in the payment data The store name of the corresponding payment data can be supplemented.

If the location data of the settlement data is not included or is not valid, the step (C) may include: (C11) determining whether the settlement data satisfying the store name supplement criterion exists; (C12) reading overtime payment data satisfying the store name supplementary criterion; (C13) calculating the effective distance according to the payment data immediately before or after the payment data among the payment data satisfying the store name supplement criterion; (C14) calculating an intersection area of the effective distance; (C15) comparing the store name of the settlement data and the store information of the store information DB with the store name in the intersection area; And (C16) supplementing the store name of the corresponding settlement data.

In addition, the store name supplement criterion of the step (C12) may be that the effective distance is less than the limit value.

The effective distance of the step (C13) may be calculated by applying an average moving speed to a time difference value between the settlement time of the overtime payment data and the settlement time of the settlement data.

At this time, the time difference value may be calculated as a value excluding the average residence time of each type included in the payment information.

Meanwhile, the step (C) of supplementing the store information may include: (C21) reading the preferred area information; (C22) comparing the store name of the corresponding payment data with the store name of the store information DB in the preferred area; And (C23) supplementing the store name of the corresponding settlement data.

In addition, the store information supplement may be repeatedly performed on the settlement data that does not include the position data according to the set time.

Here, the supplement of the store information may include: comparing the store name included in the payment data received from the user terminal with the store name stored in the store information DB by morpheme; Compares the store name included in the corresponding payment data with the store name stored in the store information DB having the highest degree of matching with the store name included in the corresponding payment data, according to the comparison result of the store names; The morpheme can be divided into a unique name of the store, information on the type of business, local information, and branch information.

로 산출되고; 상기 V는 도보 평균이동속도이고, 상기 A는 기결제데이터에 포함된 결제시각과 해당결제데이터에 포함된 결제시각의 차이값이며, 상기 B는 기결제데이터 또는 해당결제데이터 중 시계열 순으로 후순의 결제데이터에 포함된 매장의 예상체류시간일 수 있다.The effective distance of step (C13)

/ RTI > V is the walking average moving speed, A is the difference between the settlement time included in the over-the-air payment data and the settlement time included in the settlement data, and B is the settlement data or the settlement data, It may be the estimated residence time of the store included in the payment data.

로 산출되고; 상기 b는 0.5보다 크고 1보다 작은 수로 설정되는 기준체류시간 값이고, 상기 A는 기결제데이터에 포함된 결제시각과 해당결제데이터에 포함된 결제시각의 차이값일 수 있다.Further, the predicted residence time (B)

/ RTI > B is a reference retention time value that is set to a number greater than 0.5 and less than 1, and A can be a difference value between the settlement time included in the over-the-air payment data and the settlement time included in the settlement data.

On the other hand, the estimated residence time can be calculated according to a payment method (prepayment or postpayment) of an industry.

And the expected residence time (B) is a sum of a reference residence time value of the preceding settlement data and a reference residence time value of the settlement data when the settlement data of the settlement data preceding the time-series data among the over-the- And when the payment method of settlement data that is thermally traced clockwise is post-settlement, it can be calculated as the sum of the reference retention time values of the following settlement data.

In the meantime, the present invention provides a payment server that reads settlement information from a settlement message received from a service provider server, generates corresponding settlement data, transmits the settlement data to an app server, A user terminal for receiving and outputting consumption history data; And an app server for supplementing the corresponding payment data received from the user terminal with store information stored in a database to generate consumption history data and transmitting the generated consumption history data to the user terminal, the payment message comprising: Time and payment amount; The payment data includes at least one of a store name, payment time, payment amount, or location data.

Here, the user terminal may include: a control unit for driving an application program to calculate payment information from a payment message received through the application program and generate corresponding payment data; A transmission / reception unit receiving a message from the communication company server, transmitting the payment data to the application server, and receiving consumption history data from the application server; And an output unit for outputting consumption history data received from the app server.

The app server comprises: a communication module for receiving payment data from the user terminal and transmitting consumption history data to the user terminal; A control module for comparing the store information included in the payment data with the store information DB to generate consumption history data including store information supplemented by the store information included in the store information DB; And a store information DB for storing the store information.

In addition, the control module may review the existence and validity of the location data of the corresponding payment data received from the user terminal, and then supplement the store information included in the corresponding payment data to determine the consumption details including the supplementary store information Data can be generated.

At this time, the validity of the location data may be determined by a difference between the settlement time included in the corresponding settlement data and the time when the settlement data is received from the user terminal.

When the location data of the settlement data is valid, the supplementary store information of the app server is stored in the store name associated with the location data of the store information DB belonging to the same range as the location data included in the corresponding settlement data The name of the store can be supplemented.

Further, the store information supplement of the app server may include: (a11) determining whether there is overtime payment data satisfying a store name supplement criterion when position data of the payment data is not included or is invalid; (a12) reading overtime payment data satisfying the store name supplementary criterion; (a13) calculating an effective distance according to the payment data immediately before or after the payment data among the payment data that satisfy the store name supplement criterion; (a14) calculating an intersection area of the effective distance; (a15) comparing the store name of the payment data and the store information of the store information DB with the store name in the intersection area; And (a16) supplementing the store name of the corresponding settlement data.

Here, the store name supplement criterion of the step (a11) may be that the effective distance is less than the limit value.

The effective distance of step (a13) may be calculated by applying an average moving speed to a time difference value between the settlement time of the over-the-air payment data and the settlement time of the settlement data.

At this time, the time difference value may be calculated as a value excluding the average residence time of each type included in the payment information.

Meanwhile, the store information supplement of the app server may include: (a21) reading preferred area information; (a22) comparing the store name of the corresponding payment data with the store name of the store information DB in the preferred area; And (a23) supplementing the store name of the corresponding settlement data.

The store name of the step (a15) may be determined by comparing the store name included in the payment data received from the user terminal and the store name stored in the store information DB in the intersection area by morpheme; Compares the store name included in the corresponding payment data with the store name stored in the store information DB having the highest degree of agreement with the store name included in the corresponding payment data, according to the comparison result of the store name; The morpheme can be divided into a unique name of the store, information on the type of business, local information, and branch information.

On the other hand, the store information supplement can be repeatedly performed on the settlement data that does not include the position data according to the set time.

로 산출되고; 상기 V는 도보 평균이동속도이고, 상기 A는 기결제데이터에 포함된 결제시각과 해당결제데이터에 포함된 결제시각의 차이값이며, 상기 B는 기결제데이터 또는 해당결제데이터 중 시계열 순으로 후순의 결제데이터에 포함된 매장의 예상체류시간일 수 있다.Further,

/ RTI > V is the walking average moving speed, A is the difference between the settlement time included in the over-the-air payment data and the settlement time included in the settlement data, and B is the settlement data or the settlement data, It may be the estimated residence time of the store included in the payment data.

로 산출되고; 상기 b는 0.5보다 크고 1보다 작은 수로 설정되는 기준체류시간 값이고, 상기 A는 기결제데이터에 포함된 결제시각과 해당결제데이터에 포함된 결제시각의 차이값일 수 있다.At this time, the predicted residence time (B)

/ RTI > B is a reference retention time value that is set to a number greater than 0.5 and less than 1, and A can be a difference value between the settlement time included in the over-the-air payment data and the settlement time included in the settlement data.

The estimated residence time can be calculated according to the payment method (prepayment or postpayment) of the business type.

Specifically, the predicted residence time (B) is a sum of a reference residence time value of the preceding settlement data and a reference residence time value of the settlement data when the settlement data of the settlement data preceding the settlement data and the settlement data, And when the payment method of settlement data that is thermally traced clockwise is post-settlement, it can be calculated as the sum of the reference retention time values of the following settlement data.

In the system and method for providing the user's consumption history using the settlement message according to the present invention as described above, the following effects can be expected.

That is, the present invention implements the supplement of the store name that is guaranteed to be accurate by using the location data of the user terminal, and corrects the settlement data in which the location data is missing to the settlement data in which the location data is secured, There is an effect that can be enlarged.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a system for providing a user's consumption history using a payment message according to the present invention; FIG.
2 is a diagram illustrating an example of a settlement message according to the present invention;
3 is an exemplary view showing an example of store information stored in the store information DB according to the present invention;
FIG. 4 is a flowchart illustrating a method of providing a user consumption history using a payment message according to the present invention; FIG.
5 is a flowchart illustrating a method for supplementing store information according to the present invention.
6 is an exemplary diagram showing an example of consumption history data according to the present invention.
FIG. 7 is an exemplary diagram illustrating an example of calculating an intersection area according to the present invention; FIG.
8 is a flowchart illustrating a method of generating a preferred region according to the present invention.
9 is a flowchart showing a consumption history data supplement method according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a system and method for providing a user's consumption history using a payment message according to a specific embodiment of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram illustrating a system for providing a user's consumption history using a payment message according to the present invention.

As shown in the figure, the system for providing the user's consumption history using the settlement message according to the present invention includes a store POS terminal 100, a card issuer server 200, a user terminal 300, an app server 400, And a server 500.

First, the store POS terminal 100 is a point-of-sale (POS) terminal, and stores data such as a product name and a price at a point of sale. When the user uses the payment means, ), And then approves the payment.

The credit card company server 200 receives and accepts the settlement request from the store POS terminal 100 and transmits a settlement message to the user terminal 300 through the communication company server.

At this time, as shown in FIG. 2, the payment message includes payment time, payment amount, and store name.

In addition, the user terminal 300 receives the payment message, collects payment information from the payment message, generates corresponding payment data, and transmits the payment data to the application server 400.

Here, the payment information may include a store name, payment time, payment amount, address information, and the like included in the payment message.

The payment data may include the payment information and location data.

Also, the user terminal 300 receives the consumption history data including the payment details supplemented with the store information from the app server 400, and outputs the received consumption history data.

The user terminal 300 includes a location data acquisition unit 310, a transmission / reception unit 320, an output unit 330, and a control unit 340.

First, the position data obtaining unit 310 obtains position data of the user terminal 300 using GPS.

The transceiver 320 receives the payment message from the communication company server, transmits the payment data to the application server 400, and receives the consumption data from the application server 400.

The output unit 330 may be formed of a liquid crystal display (LCD), a light emitting diode (LED), or the like, and may output the payment message received from the communication company server or the consumption history data from the application server 400 .

The control unit 340 controls the overall operation of the user terminal 300, such as sending a position information acquisition signal to the position data acquisition unit 310 and sending an output signal to the output unit 330.

The app server 400 receives the payment data from the user terminal 300 and generates consumption history data and transmits the data to the POI server 500 or the user terminal 300 do.

Here, the consumption history data may include a store name, payment time, payment amount, address information, and location data.

The consumption history data may include all payment data of the same date.

In addition, the app server 400 may receive a preference area provision request from the user terminal 300 to calculate a preference area, and store information on the preference area and the preference area to the user terminal 300 .

To this end, the application server 400 includes a communication module 410, a control module 420, and a database 430.

First, the communication module 410 receives the payment data from the user terminal 300, and stores the payment information of the corresponding payment data in the local information (POI) server 500 and the user terminal 300 And transmits the generated consumption history data.

The control module 420 generates consumption history data by supplementing the store information of the corresponding payment data, creates a preference zone by clustering the consumption history data according to conditions, and stores the store information included in the preference zone Shipment plays a role.

In addition, the database 430 stores store information. For this purpose, the database 430 includes a store information DB 432.

3, the store name is stored in units of morphemes such as proper nouns, business type information, local information, branch information area, and the like, and is stored in the store information DB 432, Position data is stored and stored.

The POI server 500 is a server for storing a POI (Point of Interest) of a user. The POI server 500 receives consumption history data from the APP server 400 and stores consumption history data for each user do.

Hereinafter, a method of providing a user consumption history using a payment message according to the present invention will be described in detail with reference to FIG.

4 is a flowchart illustrating a method of providing a user's consumption history using a payment message according to the present invention.

As shown in FIG. 4, the method of providing a user consumption history using a payment message according to the present invention starts with the application server 400 receiving corresponding payment data from the user terminal 300 (S100).

Here, the corresponding payment data indicates that the user terminal 300 collects payment information from the payment message after receiving the payment message, and includes the location data in the payment information.

At this time, the payment information may include a store name, payment time, payment amount, address information, and the like included in the payment message.

In addition, the store name included in the payment message and the payment information may be displayed only at the beginning of the store name due to message length restriction.

The location data included in the corresponding payment data may be included when the location data obtaining unit 310 is inactive or the Internet connection is not smooth.

Meanwhile, the app server 400 receiving the corresponding payment data from the user terminal 300 reviews the existence and validity of the location data of the payment data (S200).

Here, the validity of the location data may be determined by a difference between the settlement time included in the corresponding settlement data and the time when the app server 400 receives the settlement data from the user terminal 300.

For example, when the settlement time included in the corresponding settlement data is 12:34 and the time when the app server 400 receives the settlement data from the user terminal 300 is 14:00, Since the location data of the user terminal 300 is included in the payment data when the user terminal 300 transmits the payment data, the location data of the user terminal 300 is stored at 14:00, It is judged to be invalid.

If the payment data includes location data and the location data is valid, the location data of the corresponding payment data is compared with the location data stored in the store information DB 432, Stores the store information of the store information DB 432 to which the position data belonging to the same range as the data is attached.

Here, the same range means a distance range in which the position data within the set distance range is determined to be the same position data because it is impossible to calculate the position data that exactly coincides with the physical terminal characteristics.

Then, the store name of the read out store information is compared with the store name of the corresponding settlement data (S300), and the store name of the corresponding settlement data is complemented (S400).

This is to compensate for the latter part of the store name of the corresponding payment data that has been removed due to the message length restriction.

At this time, the store name of the payment data and the store name stored in the store information DB 432 may be performed by dividing the store name into morphemes.

In addition, the morpheme can be divided into a unique name of a store, industry information, local information, and branch information.

For example, if the name of the store is a village chickens sangam 2, the village is classified into the proper noun, the chicken is classified into business information, the sangam is classified into local information, and the second is classified into branch information and stored in the store information DB 432.

If the store name of the corresponding settlement data is the second store in Sangam-dong, the store name is divided into proper name, sangam-dong area information and second shop point information. The store name stored in the store information DB 432 is Sangam- It is complemented by a second store.

More specifically, first, the village, which is a unique name of the corresponding settlement data, is compared with the village name, which is a unique name stored in the store information DB 432, and the two names are the same.

Since the business type information of the corresponding payment data is missing, a chicken, which is business type information stored in the store information DB 432, is added and supplemented. The store information is stored in the store information DB 432, Sangam-dong, which is a local information, is compared with Sangam-dong, which is stored in a completed form.

In addition, the second shop, which is the branch information of the corresponding settlement data, is compared with the second shop, which is the branch information stored in the store information DB 432, and is complemented with the second shop as the completed form.

If it is determined that the settlement data does not include location data or location data that is not valid for the settlement data is included in the settlement data, And performs a store information supplement method according to the invention.

As shown in FIG. 5, the method for supplementing store information according to the present invention starts with calculating the effective distance of over-the-air data (S410).

Here, the payment data refers to payment data set to be supplemented with store information, and the payment data refers to accumulated payment data accumulated by the user. The payment data of the user is stored in the POI server 500, As payment data.

Of course, the settlement data may be supplemented with the store name and stored in the local information (POI) server 500 as the payment data.

That is, as the supplementary process according to the present invention is repeatedly performed, the payment data is converted into overtime data, and as the overtime data increases, the number of payment data that can supplement the store name increases.

For example, referring to FIG. 6, the corresponding payment data refers to data settled in Seven-Eleven, and the over-the-counter data refers to data settled in GS25 Seongsan, Doksamsu Sangam, and Coco Hair.

The effective distance is calculated by applying an average moving speed to a time difference value between the settlement time of the payment data and the settlement time of the settlement data.

Here, the time difference value is calculated as a value excluding the average residence time of each type included in the payment information.

And the average residence time by industry refers to a time of staying on the average in the industry. For example, if the business type of the settlement is a business type in which the difference between the time of entering a store such as a convenience store, a bakery, a mart, etc. is not large and the time of departure is small, the residence time for each business type is set short, If the difference between the time of entering the store and the time of departure is large, the residence time for each type of business is set to be long.

로 산출될 수 있다.Specifically, the effective distance is defined as a total time (a difference between the settlement time included in the payment data and the settlement time included in the settlement data) is A, and among the settlement data or the settlement data, Let B be the estimated residence time of the stores included in the data,

. ≪ / RTI >

로 산출될 수 있다.At this time, in order to prevent the estimated residence time of the store from being calculated to be equal to or longer than the total time A, it is preferable to calculate the estimated residence time B of the store proportionally with respect to the total time A. Accordingly, if the calculation formula of the predicted residence time (B) is derived, the predicted residence time (B)

. ≪ / RTI >

Here, the above-mentioned b is the industry-specific standard residence time constant reflecting the characteristics of the industry, and is preferably set to a value larger than 0.5 and smaller than 1.

In addition, since the effective distance is calculated differently depending on the settlement type of the business type (the prepaid type business type and the post-settlement type business type), the present invention divides the prepaid type business type and the post-settlement type business type according to the business type of the store included in the payment information.

That is, depending on the settlement type of the store industry included in the payment data and the payment data, the burial of the estimated time of residence B may be determined differently.

For example, the predicted residence time may be determined based on whether or not the store in which the settlement data and the settlement data are included in the settlement data in which the settlement time precedes the settlement time in advance is the prepaid type business and the settlement data included in the settlement data, In the case of a settlement business type, the settlement time is calculated as the sum of the reference stay time value of settlement data preceding the time series and the reference stay time value of the settlement data having the settlement time later in a time series.

On the other hand, transportation means such as a bus or a subway can be excluded from the calculation of the effective distance while being a prepaid industry.

After calculating the effective distance of the overcharge data in operation 410, it is determined whether there is overtime data satisfying the store name supplementary standard (S420).

Here, the supplementary criterion for the store name means that the effective distance is less than the limit value.

If there is overtime data satisfying the supplementary criterion of the store name, the payment data that satisfies the store name supplement criterion is read (S430).

Then, an effective distance intersection area of the over-the-air payment data is calculated (S440).

Here, the intersection area is usually an overlapped area between the effective distance of the immediately preceding payment data and the effective distance of the immediately preceding payment data. However, if there is only one of the immediately preceding payment data or the immediate payment data, And is used to mean an area included in the entire distance.

After matching the store name of the corresponding payment data with the store name in the intersection area calculated in step 440 among the store information of the store information DB 432 (S450), the store name of the corresponding payment data is supplemented (S460).

Thereafter, an intersection area of the over-the-money data effective distances is calculated, and a store name belonging to the intersection area is compared with a store name of the payment data.

For example, referring to FIG. 6, it is assumed that the payment data satisfying the store name supplement criterion is the data paid by Sangam Sangam and the payment made by Coco Hair, When data is mentioned, the difference from 12:33 stamped at the time of settlement at 12:00 am to 12:41 stamped at 12:00 pm at the time of settlement at Sangsushi Sangam is 8 minutes and it is stamped at 12:00 pm stamped at 12:00 pm at the time of settlement at Seven- The difference up to 13:59 is 1 hour and 18 minutes.

Assuming that the estimated residence time in Seven-Eleven is 3 minutes and the estimated residence time in Coco Hair is 40 minutes, the effective distance (R2) Min., And the effective distance R1 of the coco hair is a distance that can be walked for 38 minutes excluding the estimated residence time of 40 minutes at the total time of 1 hour and 18 minutes.

Therefore, as shown in Fig. 7, the effective distance R1 of the data paid by the coco hair is calculated to be longer than the effective distance R2 of the data paid by the socks sangam.

The store name stored in the store information DB 432 within the intersecting area of the effective distance R1 of the data paid by the coco hair and the effective distance R2 of the data paid by the sweet sushi sangam and the store name The Seven-Eleven, to complement the name of the store.

The comparison of the store name of the payment data and the store information of the store information DB 432 in the intersection area calculated in step 440 may be performed by comparing the store name of the corresponding payment data with the store information DB 432, and the store name of the corresponding payment data is supplemented by morphemes as described above in the description of step 300.

After completing the store name of the corresponding payment data by performing the above step 400, consumption history data including the supplementary store name, settlement time, payment amount, address information, and location data is generated (S500 ).

On the other hand, if there is no overtime data satisfying the store name supplement criterion in step 410, the user's preferred area information is read (S470), and the store name of the corresponding payment data and the store name The store name of the information DB 432 is prepared for each morpheme (S480), and the store name of the corresponding payment data may be supplemented (S490).

Here, the preferred area information refers to an area frequently visited by a user generated by collecting consumption history data of a user.

Hereinafter, a method of generating the preferred region will be described in detail with reference to FIG.

6 is a flowchart illustrating a method of generating a preferred region according to the present invention.

As shown in FIG. 6, the preferred region generating method according to the present invention starts with receiving a preference region providing request from an application program from the user terminal 300 (S 1100).

At this time, the preference area providing request can be input without any condition, and the location information and time information can be inputted from the app.

For example, location information such as "Sangam-dong" or "Digital Media City station " or time information such as" 12:00 "

Thereafter, it is determined whether location information is included in the preferred area provision request (S1200).

At this time, if location information is included in the preference area providing request, only consumption history data within the set distance is extracted from the location information among the entire consumption history data (S1300).

For example, if the location information is Sangam-dong, consumption history data of the entire Sangam-dong is provided, and if the location information is the digital media city station, consumption history data within the digital media city reverse radius setting distance is provided.

Here, the set distance may be stored as a default value or input from a user.

In step S1400, it is determined whether the time zone information is included in the preference zone providing request.

At this time, if time information is included in the preference area providing request, a summation value according to the time difference of each total consumption history data is added (S1500).

For example, if the time information is 18:00, the addition value is given differently according to the time difference such as 1, 2, 3, and 0.6 hour difference, and the user gives priority to the desired time zone .

Thereafter, an addition value according to the time lapse of the consumption history data is given (S1600).

For example, if the settlement time of the above-mentioned consumption history data is within 0.8 months within the last month, 0.6 within 6 months, 0.4 within 1 year, etc., .

Then, the number of pieces of consumption history data set in accordance with the sum total of the consumption history data is extracted as effective consumption history data (S1700).

For example, the top n% or top m consumption history data can be extracted as effective consumption history data according to the sum total of the consumption history data.

Then, the effective consumption history data is clustered according to the distance from the reference position P (S1800).

At this time, if the location information is included in the preference area providing request, the location information is set as the reference location, and if the location information is not included in the preference area providing request, the set location is set as the reference location.

Here, the set location may be a user home address, a current location of the user terminal 300, and the like.

From the reference position (P) thus set, the area in which the valid consumption history data is concentrated is clustered.

Here, the clustered area becomes the user's preferred area, and the stores included in the consumption history data in the cluster area become preferred stores.

Accordingly, the user terminal 300 may display a corresponding cluster region, and may provide information on the stores included in the cluster region to the user.

In this case, the cluster area and the stores belonging to the cluster area calculated by the above process may include an error depending on the calculation method.

For example, since the present invention calculates a cluster area on a distance basis, it is possible to calculate store information that is located on the same distance from the reference position P but is not packed by actual directionality.

Therefore, the complementary process of the cluster region will be described below.

First, the clustered region in Step 1800 is a region A in which the distance from the reference position P is the same as A1, but the other direction is in the A region, or the distance from the reference position P is equal to B1 However, an error may occur in which the B2 having the different direction belongs to the B zone.

In order to compensate for this, the present invention can correct the data according to the distance standard between the effective consumption data in the community (S1900).

Such correction may be performed by calculating the distance from the specific consumption history data in the cluster to the position data of the other consumption history data and excluding the effective consumption history data in which the difference of the calculated distance values is equal to or greater than the set value .

At this time, the set value may be set by adding an increase / decrease rate to the average value of the calculated distance values, and the increase / decrease ratio may be determined between 2 and 4 times.

For example, the distance from A1 to A2 is calculated based on randomly selected A1, and the distance from A1 to A2 is 4, and the distance from A1 to A3 is 1.

Further, if the average value of the distance to the location of other consumption history data belonging to the area A is 1.5 and the rate of increase / decrease is 2 times, the distance value of the consumption history data of A2 is more than the set value and is excluded from the area A.

At this time, when A2 is selected as a reference and the distance to all the stores belonging to area A is calculated, the accurate result is not obtained. Therefore, the distance calculation at a specific location in the community can be repeated at least twice.

As the correction process is repeatedly performed, errors due to the calculation method are reduced, so that it is possible to increase accuracy in calculating the cluster region.

Then, the corrected consumption history data for each community is generated as a preferred region (S2000).

Here, a plurality of preference areas may be generated and provided to the user.

In operation S2100, store information included in the preference zone and the preference zone generated by the user terminal 300 is output to the user.

Meanwhile, the consumption history data can perform the store information supplementing step at the set time, and will be described in detail with reference to FIG.

FIG. 7 is a flowchart illustrating a consumption history data supplement method according to the present invention.

As shown in FIG. 7, the method of supplementing consumption history data according to the present invention starts with determining whether it is a complementary setting time of consumption history data (S3100).

At this time, the supplementary setting time of the consumption history data can be inputted from the user and automatically designated as the time when the user does not receive the payment message.

If it is the supplemental setting time of the consumption history data, the payment data for the unit time is extracted (S3200).

Here, the unit time may be set as a time from the time when the store information supplement step was performed to the present time.

Then, it is determined whether the location data of the extracted over-the-air data is valid (S3300), and the over-the-air data including the invalid location data is set as the store information supplement target (S3400).

At this time, the validity of the location data may be determined based on the settlement time included in the overcharge data and the time when the app server 400 receives the payment data from the user terminal 300, As shown in FIG.

In step S3500, the store information supplementing step is performed on the over-the-counter data set as a store information supplement target.

Here, the store information supplement may be performed in operation 400.

Thereafter, it is determined whether or not the store information supplement target exists (S3600), the store information supplement step is performed for all the over-the-air payment data set as the shop information supplement target, and then the supplement of the consumption history data is terminated.

It will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention as defined in the appended claims. It is self-evident.

The present invention relates to a system and method for providing a user's consumption history using a payment message for providing data including consumption details to a user using a payment message received at a user terminal, It is possible to expand the supplementary width of the store name by correcting the settlement data in which the position data is missing to the settlement data in which the position data is secured, while implementing the complement of the guaranteed store name.

100: store POS terminal 200: card company server
300: user terminal 310: position data obtaining unit
320: Transmitting / receiving unit 330: Output unit
340: control unit 400:
410: communication module 420: control module
430: Database 432: Store information DB
500: POI server

Claims (21)

(A) the user terminal having received the payment message extracts the payment information from the payment message, generates the payment data, and transmits the payment data to the application server;
(B) the application server receiving the payment data from the user terminal examines presence / absence and availability of the payment data;
(C) supplementing the store information included in the corresponding payment data; And
(D) generating consumption history data including the supplementary store information,
The payment message includes:
The name of the store, the payment time, or the payment amount;
The payment data may include:
The settlement name, the settlement time, the settlement amount, or the location data.
The method according to claim 1,
The validity of the location data may be determined,
And determining the difference between the payment time included in the payment data and the time when the payment data is received from the user terminal.
3. The method of claim 2,
The store information supplement of the step (C)
When the location data of the settlement data is valid, the store name of the settlement data is supplemented with the store name associated with the location data of the store information DB that is within the same range as the location data included in the settlement data. A method for providing user consumption history using payment messages.
The method of claim 3,
The store information supplement of the step (C)
(C11) determining whether there is overtime data satisfying a store name supplement criterion if position data of the payment data is not included or is invalid;
(C12) reading overtime payment data satisfying the store name supplementary criterion;
(C13) calculating the effective distance according to the payment data immediately before or after the payment data among the payment data satisfying the store name supplement criterion;
(C14) calculating an intersection area of the effective distance;
(C15) comparing the store name of the settlement data and the store information of the store information DB with the store name in the intersection area; And
(C16) supplementing the store name of the corresponding settlement data.
5. The method of claim 4,
The store name supplement criterion of the step (C12)
And the effective distance is less than a limit value.
6. The method of claim 5,
The effective distance of step (C13)
And calculating a time difference value between the settlement time of the payment data and the settlement time of the payment data by calculating an average movement speed.
3. The method of claim 2,
The store information supplement of the step (C)
(C21) reading the preferred area information;
(C22) comparing the store name of the corresponding payment data with the store name of the store information DB in the preferred area; And
(C23) supplementing the store name of the corresponding payment data.
8. The method according to any one of claims 1 to 7,
The store information supplement may include:
Wherein the settlement data is repeatedly executed for the settlement data not including the position data according to the set time.
9. The method of claim 8,
The store information may be supplemented by,
After the app server compares the store name included in the corresponding payment data received from the user terminal and the store name stored in the store information DB by morpheme;
Compares the store name included in the corresponding payment data with the store name stored in the store information DB having the highest degree of matching with the store name included in the corresponding payment data, according to the comparison result of the store names;
The morpheme,
A unique name of the store, business type information, local information, and branch information.
The billing information is read out from the payment message received from the communication company server to generate the corresponding payment data, the corresponding payment data is transmitted to the app server, and the consumption history data supplemented with the payment information of the corresponding payment data is received A user terminal for receiving and outputting;
And an app server for supplementing the payment data received from the user terminal with store information stored in a database to generate consumption history data and transmitting the data to the user terminal,
The payment message includes:
The name of the store, the payment time, and the payment amount;
The payment data may include:
A settlement name, a settlement time, a payment amount, or location data.
11. The method of claim 10,
The user terminal comprises:
A control unit for driving the application program to calculate payment information from the payment message received through the application program and to generate payment data;
A transmission / reception unit receiving a message from the communication company server, transmitting the payment data to the application server, and receiving consumption history data from the application server; And
And an output unit for outputting consumption history data received from the application server.
12. The method of claim 11,
The app server,
A communication module for receiving the payment data from the user terminal and transmitting the consumption history data to the user terminal;
A control module for comparing the store information included in the payment data with the store information DB to generate consumption history data including store information supplemented by the store information included in the store information DB; And
And a database configured to store the store information and a store information DB for storing the store information.
13. The method of claim 12,
The control module includes:
The method comprising the steps of: checking presence / absence and availability of location data of the payment data received from the user terminal, and supplementing the store information included in the payment data to generate consumption history data including the supplementary store information; A system for providing user consumption history using payment messages.
14. The method of claim 13,
The validity of the location data may be determined,
Wherein the settlement time is determined as a difference between a settlement time included in the settlement data and a time when the settlement data is received from the user terminal.
15. The method of claim 14,
The store information supplement of the app server includes:
When the location data of the settlement data is valid, the store name of the settlement data is supplemented with the store name associated with the location data of the store information DB that is within the same range as the location data included in the settlement data. System for providing user consumption history using payment message.
15. The method of claim 14,
The store information supplement of the app server includes:
(a11) judging whether or not there exists overtime data satisfying the store name supplement criterion when the location data of the settlement data is not included or is invalid;
(a12) reading overtime payment data satisfying the store name supplementary criterion;
(a13) calculating an effective distance according to the payment data immediately before or after the payment data among the payment data that satisfy the store name supplement criterion;
(a14) calculating an intersection area of the effective distance;
(a15) comparing the store name of the payment data and the store information of the store information DB with the store name in the intersection area; And
(a16) supplementing the store name of the corresponding payment data.
17. The method of claim 16,
The store name supplementing criterion of the step (a11)
And the effective distance is less than a limit value.
18. The method of claim 17,
The effective distance of step (a13)
And calculating a time difference value between the payment time of the payment data and payment time of the payment data by calculating an average movement speed.
15. The method of claim 14,
The store information supplement of the app server includes:
(a21) reading the favorite area information;
(a22) comparing the store name of the corresponding payment data with the store name of the store information DB in the preferred area; And
(a23) supplementing the store name of the corresponding settlement data. < RTI ID = 0.0 > 31. < / RTI >
17. The method of claim 16,
The store name of the step (a15)
Comparing the store name included in the payment data received from the user terminal and the store name stored in the store information DB in the intersection area by morpheme;
Compares the store name included in the corresponding payment data with the store name stored in the store information DB having the highest degree of agreement with the store name included in the corresponding payment data, according to the comparison result of the store name;
The morpheme,
A unique name of the store, business type information, local information, and branch information.
21. The method according to any one of claims 10 to 20,
The store information supplement may include:
Wherein the settlement data is repeatedly executed for the settlement data not including the position data according to the set time.

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