KR20190109320A - System and method for providing personal customized credit card and check card portal service - Google Patents

Abstract

The present invention relates to a system for providing a personalized credit card and check card portal service and a method thereof. According to the present invention, provided are the personalized credit card and check card portal service providing system and the method thereof which, in a credit card benefit comparison service, show a result of a comparison between a current card and all cards instead of a designated card, recommend the use of a card to get the best benefit expected before using the card, provide expected benefit information while an application automatically selects and pays with the card providing the best benefit when paying by a mobile PAY application, and can provide an automatic ordering service which automatically performs from ordering to payment of product through an artificial intelligence (AI).

Description

System and method for providing personal customized credit card and check card portal service}

The present invention relates to a system and method for providing a personalized credit card and check card portal service for individuals, and more specifically, shows a result of comparing the card currently used in the card benefit comparison service with the entire card instead of the designated card. Recommend the use of the card to receive the highest expected benefit before use, the app automatically selects and pays for the card that provides the best benefit when paying by the mobile PAY app, and provides the expected benefit information and AI (Artificial Intelligence) The present invention relates to a system and a method for providing a personalized credit card and check card portal service that can provide an automatic order service that automatically performs an order from a product through a payment.

With the development of information and communication technology, society is rapidly changing into an information society and a credit society. This change to the information and credit society has brought a great change in economic life. Among them, the use of credit cards (including check cards) has become widely used throughout the economic life to the extent that it exceeds the use of existing money.

There are currently around 2600 types of credit cards. It is not easy for a general user (consumer) to see exactly what benefits (services) are provided to each of these various cards. The end user (consumer) knows roughly his consumption pattern and scale. However, about 250,000 benefits such as discounts on points such as fueling, transportation, movies, coffee, restaurants (restaurants), amusement facilities, art galleries, museums, etc. are complicated, and users (consumers) compare the benefits by card. Difficult to analyze And it is difficult to know exactly the benefits of the credit card granted each month, even if you know the benefits are not able to use or use only a portion of the problem.

In addition to the payment by the existing physical card as described above, mobile payment services such as Apple Pay, Android Pay, and Samsung Pay have recently been provided, and the user (consumer) can use the existing credit card. In addition to payment using a (check card), payment can be made using a mobile terminal (smartphone). When making a payment using such a mobile payment service, the user (consumer) does not need to remove the physical card from the wallet, executes the mobile payment app (for example, Samsung Pay) on the smartphone screen, selects a card, and performs fingerprint authentication. It can be used immediately and payment can be done quickly and conveniently. However, the mobile payment service as described above is inconvenient for the user to register his card once and select the card before performing the payment.

Meanwhile, Korean Laid-Open Patent Publication No. 10-2015-0018754 (Patent Document 1) discloses a method and apparatus for providing a user-customized card recommendation service through a mobile terminal, and thus recommends a user-customized card through a mobile terminal. The service providing method is a method for providing a user-customized card recommendation service through a mobile terminal performed by a server, wherein a payment message for a certain consumption item is used by using a possession card possessed by a user among a credit card and a check card. Collecting consumption pattern information on the consumption amount paid through the holding card for the consumption item from the user's portable terminal each time it is transmitted to the user's portable terminal; Calculating the user benefit price for each card by applying the consumption pattern information to each card information stored in the card database, and providing the card recommendation information to the user terminal in which the card information is arranged in the order of the largest user benefit price. step; And providing, from the portable terminal, card comparison information for a card included in the provided card recommendation information.

In the case of Patent Document 1 as described above, when the user's consumption pattern information is automatically extracted from the information input by the message of the user's portable terminal, the user does not write his or her consumption pattern information automatically, By recommending a card that can receive the maximum discount / reserve benefits, by recommending the optimal card in consideration of the user's consumption pattern as well as special service items, it is possible to compare and evaluate several recommended cards at a glance, There may be an advantage that the user can easily select and apply for a card, but the service is limited to the real card, so there is a problem that cannot be applied to a mobile app payment service.

Korean Unexamined Patent Publication No. 10-2015-0018754 (published Feb. 24, 2015)

The present invention was created in consideration of the above-mentioned matters, and shows a comparison result between the current card and the entire card instead of the designated card in the card benefit comparison service, and can receive the highest expected benefit before using the card. Recommend the use of a card, the app automatically selects and pays the card that provides the best benefits when paying by the mobile PAY app, and provides expected benefit information, and from ordering to payment of goods through AI (Artificial Intelligence) The purpose of the present invention is to provide a system and method for providing a personalized credit and check card portal service that can provide an automatic ordering service that is automatically performed.

In order to achieve the above object, a personalized credit card and check card portal service providing system according to the present invention is provided.

According to the card recommendation request from the user's device, the user's card usage performance and monthly grant benefit are analyzed to display the limit of each benefit and the amount used on the user's device, and the card benefit information stored in the database is searched for the user's current usage. It compares the benefits of the card and the target card based on the user's card history, and compares the card with the user's current card and all the cards collected in the database. A service provider server;

Cards that transmit and receive information (data) with the service provider server, and perform card meta information management, card performance information management, card benefit information management, card industry / business information management functions for the operator (manager) of the service providing system Management system;

A database that stores various types of information and data including customer information, card information, benefit / performance information, industry / business information, card tracking information, and the like; And

It is characterized in that it includes a user terminal connected to the service provider server to input information monitoring and commands related to the operation (management) of the service providing system or to request a card recommendation service.

Here, the service provider server may further include a function of calculating a benefit for each card when a user makes a payment at an affiliate store with a card that the user has before using the card and providing the expected result information to the user terminal. have.

In addition, the service provider server may further include a function of performing a payment by selecting a card that provides the best benefit based on the information of the current payment affiliate, when the mobile payment service is requested by the user terminal.

In this case, the service provider server may further include a function of providing the expected benefit information to the user terminal when performing a payment with a card held by the user based on the information of the current payment affiliate.

The user terminal may include an administrator user terminal for operating (managing) a service providing system and a client user terminal for requesting a card recommendation by accessing the service provider server.

At this time, the customer user terminal may be equipped with an AI (Artificial Intelligence) module that can order goods through an automatic ordering service.

At this time, when the product order is requested by the user terminal through the automatic order service by the AI module mounted on the user terminal, the service provider server is a product search, the lowest retail store search, the benefit of the card held by the user, It may further be provided with a function of automatically performing a series of processes from selecting the highest benefit card and performing payment.

In addition, the service provider server may be configured as an open source Apatch Tomcat Server, the screen is an open web server that can be implemented as an app of smart devices such as tablets, smart phones and HTML5-based Web technology, open Using the source Tomcat, the application framework can be configured as a web application server using the spring framework.

In addition, the database may be composed of a MySQL DB for storing customer information, card information, benefits / performance information, industry / business information, and Mongo DB for collecting, storing, and analyzing card recommendation information.

In addition, the personalized credit card and check card portal service providing method according to the present invention in order to achieve the above object,

As a method of providing a personalized credit and check card portal service based on a personalized credit and check card portal service providing system including a service provider server, a database, and a user terminal,

a) collecting, by the service provider server, card information and storing the collected card information in a database;

b) collecting, by the user terminal, the card usage history of the user, and requesting the service provider server for a card recommendation suitable for the card usage history of the user based on the collected card usage history;

c) displaying, by the service provider server, the card usage history and the monthly grant benefit of the user according to the card recommendation request from the user terminal and displaying the limit of each benefit and the amount used on the user terminal;

d) querying card benefit information stored in the database by the service provider server to recommend a card corresponding to the analysis result;

e) comparing, by the service provider server, the benefits of the card currently used by the user with the card of the comparison target based on the user card details according to the card benefit information inquiry;

f) displaying, by the service provider server, the comparison result with the user's current use card and the entire card collected in the database on the user terminal in order of benefit;

g) calculating, by the service provider server, the benefit for each card when the user makes a payment at the affiliate store with the card, and providing the expected result information to the user terminal before the user uses the card;

h) if the mobile payment service is requested by the user terminal, the service provider server selecting a card that provides the best benefit based on the information of the current payment merchant to perform the payment;

i) providing the expected benefit information to the user terminal when the service provider server performs the payment with the card held by the user based on the information of the current payment merchant in step h); And

j) When a product order is requested by a user terminal through an automatic ordering service by an AI (Artificial Intelligence) module installed in the user terminal, the service provider server searches for a product, searches a lowest point of sale, It is characterized by automatically performing a series of processes from benefit calculation, selection of the highest benefit card, and payment.

According to the present invention, in the card benefit comparison service shows a comparison result between the current card and the entire card instead of the designated card, and recommends the use of the card that can receive the highest expected benefits before using the card, mobile The app automatically selects and pays for the card that provides the best benefits when paying by the PAY app, provides estimated benefit information, and provides an automatic ordering service that automatically performs order from product to payment through AI (Artificial Intelligence). By providing this service, users (consumers) can feel the maximum convenience and satisfaction of using a credit (check) card, and service providers can provide advertising agency revenue and card issuance according to exposure of affiliate linked card promotion through credit (check) card recommendation service. There is an advantage to earn affiliate commissions revenue.

1 is a view schematically showing the configuration of a personalized credit card and check card portal service providing system according to the present invention.
2 is a flowchart illustrating an execution process of a method for providing a personalized credit card and check card portal service according to the present invention.
3 is a view showing a card real-time (benefit) bill and card benefit comparison recommendation service.
4 illustrates a card recommendation service and a card use recommendation service.
5 is a diagram illustrating a card app recommendation PAY payment.
6 is a diagram illustrating a card benefit calculation price comparison app recommendation PAY payment service.
7 is a diagram illustrating an AI artificial order automatic payment service.
8 is a diagram illustrating an AI artificial intelligence card benefit consumption optimization road guidance service.

The terms or words used in this specification and claims are not to be construed as being limited to the common or dictionary meanings, and the inventors may properly define the concept of terms in order to best explain their invention in the best way. Based on the principle, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Throughout the specification, when a part is said to "include" a certain component, it means that it may further include other components, except to exclude other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, “device”, and the like described in the specification mean a unit that processes at least one function or operation, which is hardware or software or a combination of hardware and software. It can be implemented as.

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

1 is a view schematically showing the configuration of a personalized credit card and check card portal service providing system according to an embodiment of the present invention.

Referring to FIG. 1, the personalized credit card and check card portal service providing system 100 according to the present invention includes a service provider server 110, a card management system 120, a database, and a user terminal. .

The service provider server 110 analyzes the user's card usage performance and monthly grant benefits according to the card recommendation request from the user terminal 140b, and displays the limit and the use amount for each benefit on the user terminal 140b. The card benefit information stored in the 130a) is searched to compare the benefits of the card currently used by the user with the same criteria based on the user's card history and collected in the user's currently used card and the database 130a. The comparison result is displayed on the user terminal 140b in order of benefit in comparison with the entire card.

The card management system 120 transmits and receives information (data) with the service provider server 110, and manages card meta information for the operator (manager) of the service providing system 100, manages card performance information, and card benefit information. It performs management and card industry / business information management function.

The database stores various types of information and data including customer information, card information, benefit / performance information, industry / business information, and card tracking information. Here, such a database is composed of MySQL DB (130a) for storing customer information, card information, benefits / performance information, industry / business information, and Mongo DB (130b) for collecting, storing, and analyzing card recommendation information. Can be.

The user terminal accesses the service provider server 110 and inputs information monitoring and commands related to the operation (management) of the service providing system 100 or requests a card recommendation service. In this case, the user terminal is a user terminal for the administrator (140a) for the operation (management) of the service providing system 100, and a customer user terminal for requesting a card recommendation by accessing the service provider server 110 ( 140b).

Here, the service provider server 110 calculates the benefits for each card when the user makes a payment at the affiliate store with the card that the user has before using the card to provide the expected result information to the user terminal 140b. It may further have a function.

In addition, when the mobile payment service is requested by the user terminal 140b, the service provider server 110 selects a card that provides the best benefit based on the information of the current payment merchant and performs a payment. It may be further provided.

In this case, the service provider server 110 may further include a function of providing the expected benefit information to the user terminal 140b when performing a payment with a card held by the user based on the information of the current payment affiliate.

In addition, the customer user terminal 140b may be equipped with an AI (Artificial Intelligence) module that can order goods through an automatic ordering service.

At this time, when a product order is requested by the user terminal 140b through an automatic order service by the AI module mounted on the user terminal 140b, the service provider server 110 searches for a product, searches a lowest retailer, The system may further include a function of automatically performing a series of processes from calculating a benefit of a card held by a user, selecting a best benefit card, and performing a payment.

In addition, the service provider server 110 may be configured as an open source Apatch Tomcat Server, the screen is a web server that can be implemented as an app of smart devices such as tablets, smart phones and HTML5-based Web technology 110a; Using Tomcat, which is open source, the application framework can be configured as a web application server 110b using a spring framework. Here, the web application server 110b includes an external interworking API domain associated with voice recognition, price comparison, and PAY interworking; Customer domains associated with card usage history and frequently used business / business information; A card referral domain associated with the maximum benefit card referral and anticipated card usage referral; Benefit calculation engines for card-specific benefit calculations, discount / earning / mileage calculations, year / month / group limits; A performance calculation engine associated with card-specific performance calculations, performance period calculations, and performance condition calculations; At least one of an industry / business engine related to approval history parsing, industry and business matching may be provided or provided.

Here, the additional description will be made with respect to the above-described domains and engines.

The customer domain has a function of collecting usage history based on the authorization letter of the card held by the customer, counting benefits for each card, registering the card, and managing performance and benefits. In addition, the card has a function of providing frequently used industry / business information matched through the industry / business engine using the authorization history.

The card recommendation domain recommends the maximum benefit card by simulating the various benefits that each card company can receive from non-owned cards issued by each card company, recommending the maximum benefit card, and entering the name of the business to be used and the payment amount. Recommend the expected use of the card by calculating the benefit terms such as the day of the week, time of day, and the remaining limit.

The benefit calculation engine calculates card-specific benefits such as monthly and monthly benefits, options, basic benefits, additional benefits, and unconditional benefits for each card, annual grants / money limit, monthly grants / money limit, and group. It calculates the year / month / group limit, which calculates the number of grants / limit, and the discount / earning / mileage calculation function of the amount of use,%, liter, per amount, per day, per use, and flat fee.

The performance calculation engine calculates the benefits of each card, including interest-free installment, installment usage, and calculation of inclusion / exclusion conditions such as specific businesses, current month / monthly results, previous month usage performance, previous month's average performance / payment date, etc. It has a function of calculating performance by card such as period calculation, basic performance, option performance and condition performance.

The business type / business engine matches the card authorization letter to the standard type of business that provides the card benefits based on the authorization history parsing business name divided into the card company, the card number, the amount of use, the use time, and the business name. With matching function.

In addition, the personalized credit card and check card portal service providing system 100 according to the present invention having the configuration as described above is a card company linked API (Application Programming Interface) for providing information related to the card company list, holding card list, card usage history 150, at least one of a voice recognition API 160 for recognizing a user's voice, a price comparison linkage API 170 involved in providing price comparison information, and a PAY linkage API 180 involved in PAY payment. It may include.

Then, a description will be given of a method for providing a personalized credit card and check card portal service for each person based on the system for providing a personalized credit card and check card portal service according to the present invention having the above configuration.

2 is a flowchart illustrating an execution process of a method for providing a personalized credit card and check card portal service according to an embodiment of the present invention.

Referring to FIG. 2, a method for providing a personalized credit card and check card portal service according to the present invention includes a service provider server 110, a database (DB) 130a, 130b, and a user terminal 140b as described above. As a method for providing a personalized credit and check card portal service for each individual based on a personalized credit and check card portal service providing system 100 including a), first, the service provider server 110 collects card information. The collected card information is stored in the database 130a. The user terminal 140b collects the user's card usage history and requests the service provider server 110 for a card recommendation suitable for the user's card usage history based on the collected card usage history (step S201).

In response to a card recommendation request from the user terminal 140b, the service provider server 110 analyzes the user's card usage history and monthly grant benefits and displays the limit for each benefit and the amount used on the user terminal 140b. (Step S202).

In addition, in order to recommend a card corresponding to the analysis result, the service provider server 140b inquires the card benefit information stored in the database 130a (step S203).

Thereafter, the service provider server 110 compares the benefits of the card currently being used by the user and the card of the comparison target based on the user card details according to the card benefit information inquiry (step S204).

In addition, the service provider server 110 displays the comparison result on the user terminal 140b in the order of benefit in comparison with the current use card of the user and all the cards collected in the database 130a (step S205). .

And before the user uses the card, the service provider server 110 calculates the benefits for each card when the merchant makes a payment with the card and provides the expected result information to the user terminal 140b ( Step S206).

Subsequently, when the mobile payment service is requested by the user terminal 140b, the service provider server 110 selects a card that provides the best benefit based on the information of the current payment affiliate store (step). S207).

In step S207, the service provider server 110 provides the expected benefit information to the user terminal 140b when performing a payment with a card held by the user based on the information of the current payment affiliated store (step S208).

In the above process, when a product order is requested by the user terminal 140b through an automatic order service by an AI (Artificial Intelligence) module mounted on the user terminal 140b, the service provider server ( 110 automatically performs a series of processes from product search, lowest price store search, benefit calculation of the card held by the user, selection of the highest benefit card and payment execution (step S209).

Then, the following description will be added a little more with respect to the method for providing a personalized credit card and check card portal service according to the present invention as described above.

3 is a view showing a card real-time (benefit) bill and card benefit comparison recommendation service.

3 (A) shows a real-time card bill, and provides benefit status information in real time as shown. (B) shows the card benefit comparison (1: 1) service, which compares the same invoice with another card.

4 illustrates a card recommendation service and a card use recommendation service.

Referring to FIG. 4, (A) shows a card recommendation service. When a customer requests a recommendation service through an app, the maximum benefit of the "card recommendation domain" of the Web Application Server 110b (hereinafter referred to as "WAS") is shown. Based on the usage of the DB server's customer information by extracting the "card recommendation" information of the DB server through the card recommendation module, WAS calculates the benefits of the recommendation card through the "benefit calculation engine" module and the "card recommendation" of the DB server. "It stores information and provides Server (NoSQL) card recommendation inquiry information through the maximum benefit card recommendation module of WAS" card recommendation domain ".

(B) shows the card use recommendation. When a customer requests a card use recommendation service through the app, the card use prediction recommendation module of the "card recommendation domain" of WAS is extracted, and the retention card of the DB customer information is extracted, and the WAS Through the "Benefit Calculation Engine" module, the expected benefit of the use of the retention card is calculated to provide the expected benefit of the card usage.

5 is a diagram illustrating a card app recommendation PAY payment.

Referring to FIG. 5, (A) shows a conventional card payment and a customer directly selects a payment card.

(B) shows the card use recommendation and PAY payment service, and when a customer requests a card use recommendation service through the app, the card holding information recommendation module of the "card recommendation domain" of WAS is extracted and the retention card of the DB customer information is extracted. And, through the WAS "benefit calculation engine" module to calculate the expected benefit of the use of the holding card to provide the expected benefit of using the card, when the payment request with the highest benefit card, through "PAY integration" of the external interworking API domain Performs PAY cooperative API "PAY payment", and receives the PAY payment information and provides the result information.

6 is a diagram illustrating a card benefit calculation price comparison app recommendation PAY payment service.

Referring to FIG. 6, when a customer requests a product price benefit comparison through an app, performs a price comparison linkage API “price comparison information” through “price comparison linkage” of an external linkage API domain, and receives product price comparison information. The received product price is extracted from the DB card information retention card through the card usage prediction module of WAS's "Card Recommendation Domain", and the estimated benefit of the card usage is calculated through the WAS "benefit calculation engine" module. Providing the expected benefit of using the card and requesting payment with the best benefit card, the PAY interlocking API performs "PAY payment" through "PAY interlocking" of the external interlocking API domain and receives the PAY payment information to provide the result information. do.

7 is a diagram illustrating an AI artificial order automatic payment service.

Referring to FIG. 7, when a customer requests AI AI automatic order payment through an app, voice recognition product order information is performed by performing "voice recognition" of the voice recognition API domain through "voice recognition linkage" of the external linkage API domain. Receive If there is a request for comparing the product price benefits, it performs "price comparison information" by the price comparison linking API through "price comparison linking" of the external linking API domain, and receives the product price comparison information to WAS the received product price. Extract the retention card of the DB customer information through the card usage prediction module of the "card recommendation domain" of. The WAS "Benefit Calculation Engine" module then calculates the expected benefit of the retention card and provides the expected benefit of the card usage. Accordingly, when the user requests a payment with the best benefit card, the PAY payment is performed by the PAY interlocking API through the "PAY interlocking" of the external interlocking API domain, and the PAY payment information is received to provide the result information.

8 is a diagram illustrating an AI artificial intelligence card benefit consumption optimization road guidance service.

Referring to FIG. 8, based on the usage history of the DB server's customer information, the WAS frequently analyzes consumption patterns for each user through the "common business / business information" module of the "customer domain". Calculate by counting the type of business / business used. Using the information of frequently used businesses, the card usage estimation module of WAS's "Card Recommendation Domain" is used to extract the retention card of the DB customer information, and the WAS "Benefit Calculation Engine" module calculates the expected benefit of the retention card usage. Provides a number of recommended card information to the expected benefits of using the card of the most frequently used businesses / businesses. In addition, the WAS "Performance Calculation Engine" module calculates the performance periods / conditions of the holding cards and provides information on the cards that lack the required performance.

As described above, the system and method for providing a personalized credit card and check card portal service according to the present invention show the result of comparing the card currently used in the card benefit comparison service with the entire card, not the designated card, and using the card. Recommend the use of a card that can receive the highest benefit expected before, the app automatically selects and pays for the card that provides the best benefit when paying by the mobile PAY app, and provides the expected benefit information and AI (Artificial Intelligence) By providing an automatic ordering service that automatically performs the ordering and payment of goods through the user, the user (consumer) can feel the maximum convenience and satisfaction in using the credit card, and the service provider recommends the credit card. According to the agency agency revenue and card issuance according to the exposure of affiliate card promotion through the service It has the advantage that you can earn affiliate commissions.

As mentioned above, the present invention has been described in detail through the preferred embodiments, but the present invention is not limited thereto, and various changes and applications may be made without departing from the technical spirit of the present invention. Self-explanatory Therefore, the true protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be construed as being included in the scope of the present invention.

100: Personalized credit and check card portal service provision system
110: service provider server 110a: web server
110b: web application server 120: card management system
130a: MySQL DB 130b: Mongo DB

Claims (12)

According to the card recommendation request from the user's device, the user's card usage performance and monthly grant benefit are analyzed to display the limit of each benefit and the amount used on the user's device, and the card benefit information stored in the database is inquired. It compares the benefits of the card and the target card based on the user's card history, and compares the card with the user's current card and all the cards collected in the database. A service provider server;
Cards that transmit and receive information (data) with the service provider server, and perform card meta information management, card performance information management, card benefit information management, card industry / business information management functions for the operator (manager) of the service providing system Management system;
A database that stores various types of information and data including customer information, card information, benefit / performance information, industry / business information, card tracking information, and the like; And
A personalized credit card and check card portal service providing system comprising a user terminal connected to the service provider server to input information monitoring and command related to the operation (management) of a service providing system or request a card recommendation service.
The method of claim 1,
The service provider server further includes a function of calculating a benefit for each card when a user makes a payment at an affiliate store and using the card to provide an expected result information to the user terminal before using the card. Card and check card portal service provision system.
The method of claim 1,
When the service provider server is requested by the mobile payment service by the user terminal, personalized credit card further comprises a function for performing a payment by selecting a card that provides the best benefits based on the information of the current payment merchant and Check card portal service provision system.
The method of claim 3,
The service provider server is a system for providing a personalized credit card and check card portal service for each individual, further comprising a function of providing an expected benefit information to a user terminal when performing a payment with a card held by a user based on the information of the current payment affiliate. .
The method of claim 1,
The user terminal provides a personalized credit card and check card portal service including an administrator user terminal for operating (managing) a service providing system and a user user terminal requesting a card recommendation by accessing the service provider server. system.
The method of claim 5,
The customer user terminal has a personalized credit card and check card portal service providing system equipped with an AI (Artificial Intelligence) module that can order goods through an automatic ordering service.
The method of claim 6,
When a product order is requested by a user terminal through an automatic ordering service by an AI module installed in the user terminal, the service provider server searches for a product, searches a lowest retailer, calculates a benefit of a card owned by a user, and provides a highest benefit card Personalized credit and check card portal service providing system further equipped with a function of automatically performing a series of processes from selection and payment.
The method of claim 1,
The service provider server may be composed of an open source Apatch Tomcat Server, and the screen may be an HTML5 based responsive web technology and a web server that may be implemented as an app of a smart device such as a tablet or a smart phone. The application framework using Tomcat and the application framework consists of a web application server using the spring framework.
The method of claim 8,
The web application server,
External interworking API domains related to voice recognition, price comparison, and PAY interworking;
Customer domains associated with card usage history and frequently used business / business information; A card referral domain associated with the maximum benefit card referral and anticipated card usage referral;
Benefit calculation engines for card-specific benefit calculations, discount / earning / mileage calculations, year / month / group limits;
A performance calculation engine associated with card-specific performance calculations, performance period calculations, and performance condition calculations; And
A system for providing a personalized credit card and check card portal service for providing or providing at least one of an industry / business engine related to approval history parsing, industry and business matching.
The method of claim 1,
The database provides a personalized credit and check card portal service consisting of a MySQL DB for storing customer information, card information, benefit / performance information, industry / business information, and Mongo DB for collecting, storing, and analyzing card recommendation information. system.
The method of claim 1,
Card company linked API (Application Programming Interface) providing information related to card company list, holding card list, card usage history, voice recognition API for recognizing user's voice, price comparison linked API involved in providing price comparison information, PAY payment Personalized credit and check card portal service providing system further comprises at least one of the PAY interworking API involved.
As a method of providing a personalized credit and check card portal service based on a personalized credit and check card portal service providing system including a service provider server, a database, and a user terminal,
a) collecting, by the service provider server, card information and storing the collected card information in a database;
b) collecting, by the user terminal, the card usage history of the user, and requesting the service provider server for a card recommendation suitable for the card usage history of the user based on the collected card usage history;
c) displaying, by the service provider server, the card usage history and the monthly grant benefit of the user according to the card recommendation request from the user terminal and displaying the limit of each benefit and the amount used on the user terminal;
d) querying card benefit information stored in the database by the service provider server to recommend a card corresponding to the analysis result;
e) comparing, by the service provider server, the benefits of the card currently used by the user with the card of the comparison target based on the user card details according to the card benefit information inquiry;
f) displaying, by the service provider server, the comparison result with the user's current use card and the entire card collected in the database on the user terminal in order of benefit;
g) calculating, by the service provider server, the benefit for each card when the user makes a payment at the affiliate store with the card, and providing the expected result information to the user terminal before the user uses the card;
h) if the mobile payment service is requested by the user terminal, the service provider server selecting a card that provides the best benefit based on the information of the current payment merchant to perform the payment;
i) providing the expected benefit information to the user terminal when the service provider server performs the payment with the card held by the user based on the information of the current payment merchant in step h); And
j) When a product order is requested by a user terminal through an automatic ordering service by an AI (Artificial Intelligence) module installed in the user terminal, the service provider server searches for a product, searches a lowest point of sale, A method of providing personalized credit and check card portal services, including automatically performing a series of steps from benefit calculation, selection of the highest benefit card, and payment.

Images