KR20200050772A - A method and an apparatus for providing promotion information - Google Patents

Abstract

According to an embodiment of the present invention, provided is a method for providing a promotion information service of a service providing device. The method for providing a promotion information service comprises the steps of: obtaining transaction data used to process payment information; obtaining card usage history information for each of a plurality of card companies from the transaction data; analyzing the card usage history information for each card company; and providing a promotion information service including recommended promotion information to a user terminal based on an analysis result.

Description

Method and apparatus for providing promotional information service {A METHOD AND AN APPARATUS FOR PROVIDING PROMOTION INFORMATION}

 The present invention relates to a service providing method and an apparatus thereof. More specifically, the present invention relates to a method and apparatus for providing a promotion information service for promotion recommendation.

Generally, cash, credit card, or debit card are used for payment of transactions occurring offline. Accordingly, in recent years, the use of a credit card is recommended as a way to increase the taxation transparency of commerce.

Accordingly, service providers contract with various credit card companies and network brokers, and provide payment services by installing payment terminals in stores to provide related payment services. The processing of the card payment is completed by the interlocking process between the relay service server that relays the payment information of the credit card and the server of the card company, and the transaction data by payment is stored and managed in the electronic book, and the sales settlement is computerized and processed at regular intervals. Is becoming.

On the other hand, each credit card company has its own card company server-based payment system interworking with the above-mentioned brokers, and since profits are generated according to the card usage rate compared to the total payment, various promotions are provided through affiliated stores to secure a mutual share of the card companies.

In particular, the card company holds customer information through subscription information, etc., and provides certain discounts when using a specific business or merchant based on this, or after accumulating a certain amount or points, exceeding a certain amount or points In some cases, by conducting differential gift banks to users, the profits of the two entities are being created by encouraging card companies to use their cards as well as increase the sales of the merchants and businesses.

However, since individual card companies handle only customers using their cards and their payment information, it is difficult to accurately analyze promotional effects compared to all industries, all merchants, or all card companies.

Accordingly, in general, card companies are attracting customers by deciding only promotions focused on large merchants, which are relatively easy to analyze and handle information due to the large number of users.

However, these large-scale merchant promotion results are also only macroscopically inaccurately predicted, and further, the detailed promotion for small-scale merchants is rarely achieved.

As such, current card companies have difficulty in accurately determining effective promotions and their targets, and furthermore, they are unable to provide accurate and granular promotions according to factors such as industry, region, age, and merchants.

The present invention is to solve the problems as described above, by using the transaction data used to process payment information, provides effective promotion and promotional information that can accurately determine the target, and accordingly the industry, region, age and The purpose of the present invention is to provide a method and apparatus for providing a promotional information service capable of providing accurate and granular recommended promotions for each factor such as an affiliated store.

Method according to an embodiment of the present invention for solving the above-described problems, In the method for providing a promotional information service of a service providing apparatus, Obtaining transaction data used for processing payment information; Obtaining card usage history information for each card company from the transaction data; Analyzing card usage information for each card company; And based on the analysis result, providing a promotion information service including recommendation promotion information to a user terminal.

Apparatus according to an embodiment of the present invention for solving the above problems, the transaction data processing unit for obtaining the transaction data used to process the payment information; A usage history information collection unit for acquiring card usage history information for each card company from the transaction data; A promotion analysis unit analyzing card usage information for each card company; And a report providing unit that provides a promotion information service including recommended promotion information to the user terminal based on the analysis result.

On the other hand, the method according to an embodiment of the present invention for solving the above problems may be implemented as a program for executing the method in a computer and a recording medium in which the program is recorded.

According to an embodiment of the present invention, a plurality of card company-specific card usage information is obtained from transaction data used for processing payment information, and the card usage history information for each card company is analyzed to provide a promotional information service including recommended promotion information. By providing it to the user terminal, it is possible to provide effective promotion and promotion information that can accurately determine the target.

Accordingly, according to an embodiment of the present invention, it is possible to calculate the market share and sales for each card company corresponding to each factor, such as industry, region, time zone, age, and merchants, thereby providing an accurate and detailed recommendation promotion.

In addition, in the case of a promotion manager using a user terminal, a more accurate and detailed promotion can be determined, and according to the report monitoring, the promotion result and the effect of each factor can be checked in detail and clearly.

Therefore, according to the implementation of the present invention, there is an effect that it is possible to provide an effective promotion even for small merchants.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.
2 is a block diagram showing a service providing apparatus according to an embodiment of the present invention in more detail.
3 is a flowchart illustrating a service providing method according to an embodiment of the present invention.
4 is a diagram illustrating share analysis information according to an embodiment of the present invention.
5 is a view showing recommended promotion information according to an embodiment of the present invention.
6 is a view showing promotional result information according to an embodiment of the present invention.
7 to 10 are diagrams for explaining the industry share report interface according to an embodiment of the present invention.
11 to 12 are diagrams for describing a regional share report interface according to an embodiment of the present invention.
13 is a view for explaining a large merchant share report interface according to an embodiment of the present invention.

Hereinafter, an operation principle of a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description.

However, the drawings shown below and the descriptions described below are for preferred implementation methods among various methods for effectively describing the features of the present invention, and the present invention is not limited to the following drawings and description.

In addition, in the following description of the present invention, when it is determined that detailed descriptions of related known functions or configurations may unnecessarily obscure the subject matter of the present invention, detailed descriptions thereof will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or practice. Therefore, the definition should be made based on the overall contents of this title.

In addition, a preferred embodiment of the present invention to be carried out below is provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or a system function commonly provided in the technical field to which the present invention pertains. The configuration is omitted as much as possible, and the functional configuration that should be additionally provided for the present invention will be mainly described.

If a person having ordinary knowledge in the technical field to which the present invention pertains, it will be possible to easily understand the functions of components that have been used in the prior art among the omitted functional configurations not shown below, and also the omitted components as described above. The relationship between the elements and the components added for the invention will also be clearly understood.

In addition, the following examples will be used by appropriately modifying the terms so that those of ordinary skill in the art to which the present invention pertains can clearly understand in order to efficiently describe the core technical features of the present invention. It is never limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. That's it.

As described herein, "payment terminal" refers to a POS for providing a payment service for card information read from a customer's card using a general IC card reader or a magnetic strip reader, except for the operation according to an embodiment of the present invention. A terminal device may include a terminal device or a CAT terminal device, and a typical payment terminal may be exemplified by having a POS-specific function for point-of-sale management and an electronic payment function through a customer card having at least one payment method. .

In addition, recently, a function in which the function of the payment terminal is combined with a "portable terminal" has become possible. The "payment terminal" or the "portable terminal" includes a mobile phone, a smart phone, and a laptop computer. , Digital broadcasting portable terminal, PDA (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, etc. may be included, and the present invention is not limited to this. In addition, various devices capable of displaying user input and information are provided to the payment terminal. Can be included.

In addition, the "service providing device" may refer to a relay server of a van (VAN) company that relays credit card electronic payment as an example, and according to a specific function, an actual payment relay function and other additional service functions are separate servers. It is also possible to separate the form.

1 is a conceptual diagram schematically showing an entire system according to an embodiment of the present invention.

The system according to an embodiment of the present invention, one or more transaction data processing apparatus 200, and a service providing apparatus 300 for processing transaction data in cooperation with the transaction data processing apparatus 200, a card company server 400 and a user It includes a terminal 100.

The transaction data processing device 200 may include one or more terminal devices or server devices that access the service providing device 300 to request processing or management of transaction data, and receive processing result information corresponding thereto.

For example, the transaction data processing apparatus 200 is an electronic payment such as a normal payment terminal 205, a merchant ledger DB 210, an automatic ledger DB 220, a mobile payment application 230 or a PG company server 240. It may be a normal transaction data processing device having a function and a transaction management function.

For example, the payment terminal 205 has a payment program, and transmits a transaction approval request message to the service providing device 300 using the payment program, and the service providing device 300 is sent to the card company server 400. Credit processing is performed by requesting approval.

In addition, the card company server 400 may be a server of a card company that issued a credit card, and performs approval processing, cancellation processing, and transmission of approval results according to a card approval message received according to transaction data processing from the service providing device 300. It can be done.

The service providing device 300 may be a server that receives a transaction data processing request from the transaction data processing device 200 and provides payment data relay to the card company server 400 and a merchant sales management service, for example , VAN's payment relay server may be exemplified.

Transaction data processed by the service providing apparatus 300 according to an embodiment of the present invention includes transaction data in various formats received from various terminals, databases or servers, such as payment history data, approval request data, transaction book data, and settlement request data. As may be included, the service providing device 300 may collect such transaction data and perform promotion analysis processing for each card company, and provide the analysis result to the user terminal 100.

More specifically, the service providing apparatus 300 acquires a plurality of card usage history information for each card company from the transaction data collected from the one or more transaction data processing apparatus 200, analyzes the card usage history information for each credit card company, Based on the analysis result, a promotion information service including recommended promotion information may be provided to the user terminal 100.

Accordingly, the user terminal 100 can receive recommendation promotion information corresponding to a specific card company through the use of the service providing device 300, and the user terminal 100 outputs the recommendation promotion information and processes the user input It may be a variety of computer devices, for example, a promotion control terminal of a card company promotion manager, and the like.

According to such a system configuration, the service providing device 300 can analyze accurate and effective card usage information of each card company by card company by using merchant data that transmits and receives transaction data and the transaction data, which provides service This is because the transaction data processed by the device 300 may include all card usage history information for a plurality of card companies.

Therefore, the service providing device 300 can calculate the market share and sales for each card company corresponding to each factor such as industry, region, time zone, age, and merchant, and accordingly, the service providing device 300 provides accurate and granular recommended promotions. It can be provided to the user terminal 100.

In the case of the promotion manager using the user terminal 100, it is possible to determine a more accurate and detailed promotion according to the promotion information provided from the service providing device 300.

In addition, the service providing device 300 can provide effective recommendation promotion information, a result report, and a monitoring interface for this, and the user terminal 100 can check the promotion result and the effect of each factor in detail and clearly. It becomes possible.

Therefore, the user of the user terminal 100 can easily determine the promotion and its target, and particularly can provide effective promotion even for small merchants, and can easily check the detailed results such as the trend of card company share. .

2 is a block diagram showing a service providing apparatus according to an embodiment of the present invention in more detail.

2, the service providing apparatus 300 according to an embodiment of the present invention, the control unit 310, the communication unit 320, the transaction data processing unit 330, the usage history information collection unit 340, the market share analysis unit 350, a promotion analysis unit 360, a report providing unit 370 and a storage unit 380.

The control unit 310 controls the overall operation of each component of the service providing device 300, and includes one or more microprocessors for performing processing according to an embodiment of the present invention.

In addition, the communication unit 320 may include one or more communication modules for transmitting and receiving transaction data and processing an acknowledgment response, access to the user terminal 100 and providing promotional information.

The communication unit 320 is connected in a wireless or wired manner through a local area network (LAN) and an Internet network, and connected through a USB (Universal Serial Bus) port, through a mobile communication network such as 3G or 4G. It is possible to be connected through a short-range wireless communication method such as a form of connection, Near Field Communication (NFC), Radio Frequency Identification (RFID), and Wi-Fi.

The transaction data processing unit 330 acquires transaction data used for processing payment information from the transaction data processing devices 200 and performs normal payment-related processing using the transaction data.

For example, the transaction data may include at least one of IC card information or magnetic stripe information used as payment information, payment date / time information, payment industry information, and payment area information corresponding thereto.

In addition, for example, the transaction data processing unit 330 uses the payment approval request message received from the payment terminal 205 to make an approval request to the card company server 400, and receives the approval result corresponding to the payment terminal ( 205) may be performed. Here, the payment terminal 205 may be a POS terminal device or a CAT terminal device for providing a payment service for card information read from a customer's card using an IC card reader or a magnetic strip reader.

In addition, the transaction data processing unit 330 may perform merchant management processing for storing and managing merchant information stored in the merchant ledger database 210.

In addition, the transaction data processing unit 330 may store and manage the book data of various users stored in the automatic book database 220, and perform accounting processing of the corresponding transaction data.

In addition, the transaction data processing unit 330 uses the payment approval request message received through the mobile application 230 installed in the user's portable terminal or the like to make an approval request to the card company server 400 and receives the approval result corresponding thereto. By performing a payment relay processing to be delivered to the mobile application 230.

In addition, the transaction data processing unit 330 may perform online commerce payment relay processing to receive online payment data received from the Payment Geateway (PG) server 240 and perform relay processing with the card company server 400. .

As such, the transaction data processing unit 330 may include one or more data processing modules that obtain various transaction data according to a request of a financial institution or each user and provide a corresponding financial service, and accordingly, transaction data The processor 330 may receive and manage transaction data in various formats that are transmitted and received between the plurality of card company servers 400 and each transaction data processing terminal 200.

Then, the usage history information collection unit 340 collects a plurality of card usage history information for each card company from the transaction data.

Usage history information collection unit 340, the transaction data processing unit 330 processed in various formats, including the payment approval request, merchant information, automatic book transaction history, mobile payment approval request, PG approval request, etc. Data can be acquired, and each transaction data can be cumulatively aggregated to obtain card usage information for a plurality of card companies.

In addition, the usage history information collecting unit 340 may collect member data received from the card company server 400 and include it in the card usage history information for each card company. For example, the usage history information collection unit 340, as member data matching the transaction data, age data, gender data, and the like can be collected, and the usage history information collection unit 340 is card history information for each card company. In the transaction data, age data and gender data matching the data may be included.

In addition, the card usage history information for each card company acquired by the usage history information collection unit 340 may be analyzed by the market share analysis unit 350 and the promotion analysis unit 360, and the analysis result information may be provided by a report providing unit ( It may be delivered to the user terminal 100 through 370) and output from the user terminal 100.

More specifically, the card usage information for each card company can be obtained from information collected from the transaction data processing device 200 and the card company server 400 to accurately analyze and determine the effective promotions and targets of each card company. In order to overcome the limitations of information that a single card company can collect, the card usage history information for each card company obtained in this way is information in a format that can be processed by the market share analysis unit 350 and the promotion analysis unit 360. It can be formed and output to each analysis unit.

First, the occupancy analysis unit 350 may analyze the occupancy information for each card company based on the card usage history information for each card company, and may transmit the analysis result information to the report providing unit 370.

Here, the market share analysis unit 350 may include a market share calculation module, a pattern analysis module, and a factor analysis module for calculating the refined market share analysis result.

The share calculation module can calculate the share between each card company from the card history information of each card company, and the analysis information provided to the report providing unit 370 according to the share among the card companies includes market share by each card company, share by region and time zone , May include at least one market share analysis information among card companies, age-specific market share, and gender market share corresponding to a specific large member store.

In addition, the market share analysis unit 350 includes a pattern analysis module that processes a user's card company usage pattern analysis based on the market share from the card usage history information for each card company, and a factor analysis module that processes a factor analysis corresponding to a rising or falling market share trend. As may include, the occupancy analysis unit 350 may calculate not only the occupancy rate but also the user's card company usage pattern and occupancy change factors analyzed by the occupancy rate calculation as analysis information and transmit the result to the report providing unit 370. .

In addition, the promotion analysis unit 360 may generate promotion analysis information including one or more recommended promotions and transmit the generated information to the report providing unit 370 according to the analysis information of the market share analysis unit 350 and the card usage history information. .

To this end, the promotion analysis unit 360 may configure a promotion database, and a plurality of applicable promotion information may be stored and managed in the promotion database in response to share, usage pattern, and change factors. In addition, the promotion analysis unit 360 may use the promotion data received from the card company server 400 for storage and management of the promotion information, and in particular, the promotion analysis unit 360 collects promotion information currently applied for each card company And manageable.

For example, the promotion analysis unit 360 is a recommended promotion of a specific card company corresponding to the analysis information of the market share analysis unit 350, and may determine an interest-free event. The interest-free event promotion may be set as a recommended promotion when the market share is reduced for an industry in which the ratio of the merchants whose payment amount is more than a certain amount is equal to or higher than a certain amount.

As described above, the promotion analysis unit 360 may individually analyze the recommended promotion information for each card company in response to the trend of share according to the card usage history information and the share analysis information for each card company, and the analysis result information is a report providing unit 370.

Then, the report providing unit 370 generates a promotion analysis report including recommendation promotion information based on the analysis result information of the market share analysis unit 350 and the promotion information of the promotion analysis unit 360, and the generated report It may be provided to the user terminal 100.

Here, the user terminal 100 may be a terminal corresponding to a promotion manager of a specific card company, and the report providing unit 370 analyzes a promotion including recommended promotion information corresponding to a specific card company requested by the user terminal 100 The report may be generated and provided to the user terminal 100.

For example, the report providing unit 370 may provide promotion recommendation information for increasing the market share of a specific card company according to the market share information analysis result through the promotion analysis report.

In addition, the report providing unit 370 may provide the promotion type recommendation information of the specific card company according to the result of analyzing the share information by industry type. For example, the promotion industry recommendation information may include market share reduction industry information calculated according to a market share increase / decrease trend.

In addition, the report providing unit 370 may provide the promotion area and time zone recommendation information of the specific card company according to the result of analyzing the share information by region and time zone, and furthermore, the share analysis information by card company corresponding to a specific large affiliate store Accordingly, promotion recommendation information corresponding to the specific affiliated store of the specific card company may be provided.

The report providing unit 370 may provide promotion recommendation information through a user interface output through a display unit (not shown) of the user terminal 100.

In particular, the report providing unit 370 may provide a list of affiliates to which the promotion is recommended and the promotion information corresponding to the specific card company through the user interface of the user terminal 100. The user terminal 100 is currently required. Recommended promotions and merchants can be easily determined.

In addition, the user terminal 100 may be a promotion manager of the card company server 400 or a terminal set with authority corresponding thereto, in which case the control unit 310 may receive the communication from the user terminal 100 through the communication unit 320. One or more promotion selection information corresponding to the recommended promotion information and the merchant selection information for the promotion target may be received.

Accordingly, the control unit 310 may transmit the selection information to the specific card company server 400 through the communication unit 320, thereby enabling automated promotion of a specific card company.

Meanwhile, the report providing unit 370 may generate a result report including application result information of the recommended promotion determined in response to the promotion information service provision, and provide the result report to the user terminal.

To this end, the report providing unit 370 may monitor the trend of the analysis results obtained from the occupancy analysis unit 350 and the promotion analysis unit 360 in real time, and recommend the user terminal 100 to be checked according to the monitoring. By providing the result information of the application of the promotion, the user can check the application result of the recommended promotion in real time, and then determine the promotion.

Meanwhile, the storage unit 380 may store various information for performing the above-described processing, and include magnetic media such as hard disks, floppy disks, and magnetic tapes (Magnetic Media), CD-ROM (Compact Disk Read Only Memory), and DVD. Optical Media such as (Digital VideoDisk), Magneto-Optical Media such as Floptical Disk, and ROM, Random Access Memory (RAM), Flash memory It may include.

3 is a flowchart illustrating a service providing method according to an embodiment of the present invention.

Referring to FIG. 3, first, the service providing apparatus 300 acquires transaction data used for processing payment information through the transaction data processing unit 330 (S101).

Then, the service providing apparatus 300 obtains card usage history information for each card company from transaction data through the usage history information collection unit 340 (S103).

Thereafter, the service providing device 300 analyzes card usage history information for each card company through the share analysis unit 350 (S105), and determines a recommended promotion based on the share analysis result through the promotion analysis unit 360 (S107). ).

Accordingly, the service providing device 300 may generate a promotion information report including the recommended promotion information through the report providing unit 370 (S109), and the user terminal 100 connected through the communication unit 320 Providing the above promotional information report (S111).

On the other hand, if the above-mentioned automated promotion processing is possible or there is a preset promotion application process, the service providing device 300 receives the promotion selection information received from the user terminal 100 through the control unit 310 as a target card company server. (400), the promotion may be applied and processed (S113), which may be selectively processed.

Subsequently, the service providing device 300 monitors the result of applying the promotion through the report providing unit 370 and provides a result report according to the monitoring to the user terminal 100 (S115).

Hereinafter, various report interfaces output from the user terminal 100 according to an embodiment of the present invention will be described with reference to FIGS. 4 to 13. The report providing unit 370 according to an embodiment of the present invention outputs a report interface By providing report data for the user terminal 100, the report interface can be output from the user terminal 100, and the report providing unit 370 includes a share analysis unit 350 and a promotion analysis unit 360 Using the result of processing, it is possible to generate such report data.

First, FIG. 4 is a diagram showing share analysis information according to an embodiment of the present invention, FIG. 5 is a diagram showing recommended promotion information according to an embodiment of the present invention, and FIG. 6 is a result of promotion according to an embodiment of the present invention It is a diagram showing information.

4 to 6, the user terminal 100 may receive an analysis information report corresponding to a specific card company A from the report providing unit 370 and output it through the display unit.

4 shows the market share analysis report interface by industry, and the report providing unit 370 obtains relative market share information from the market analysis unit 350 compared to the industry average of a specific card company A compared to the industry such as catering, distribution, and education. It can be provided to the user terminal 100.

In addition, FIG. 5 shows an interface of a report for recommending a type of industry for promotion, and the report providing unit 370 checks the type of industry requiring promotion according to the share trend from the promotion analysis unit 360, and displays an analysis report corresponding to the user terminal ( 100). As shown in FIG. 5, the promotion target industry recommendation report interface may include share and increase / decrease trends of specific card companies A corresponding to affiliates belonging to each industry, and share ranking information between card companies.

Meanwhile, FIG. 6 illustrates the promotion result report interface. In FIG. 6, it is exemplified that the quarterly market share trend after applying the X promotion recommended by the promotion analysis unit 360 is illustrated. As illustrated in FIG. 6, after determining the X promotion corresponding to a specific affiliated store AA language school, the user can easily monitor the share trend of the A card, and easily check the effect of increasing the share of the A card in real time.

As described above, the report providing unit 370 may provide a report interface for determining the promotion target and the recommended promotion according to the subdivided factors to the user terminal 100, and in particular, monitor the usage share trend of card companies according to the promotion application As it can be done, it is easy to apply fine-grained promotion selection and check the result, and further, it is possible to promote small merchants and the like, thereby maximizing the effectiveness of the promotion.

7 to 10 are diagrams for explaining the industry share report interface according to an embodiment of the present invention.

Referring to FIG. 7, the report providing unit 370 may generate and provide the industry share report interface including the comprehensive analysis information of the share analysis unit 350 and the promotion analysis unit 360 to the user terminal 100 Bar, the industry share report interface may include a status analysis interface 101, a card company-to-card market share interface 103, a industry-specific market share interface 107, and a quarterly market share trend interface 105.

As shown in FIG. 7, the report providing unit 370 analyzes the overall share and ranking information of the specific quarter corresponding to the specific card company A, the trend information compared to the previous quarter, and the share trend information of each industry by analyzing the status of the interface 101 It can be provided to the user terminal 100 through, by providing a graphed graph-to-card share share interface 103, industry-specific share interface 107 and quarterly share trend interface 105, the user can easily specify It is possible to grasp the current status and trend of card companies' (A) market share by industry.

And, as shown in Figures 8 and 9, the report providing unit 370 can provide a detailed share analysis page corresponding to the industry that requires promotion, the report providing unit 370 through the share detailed analysis page May provide industry information with a continuous decrease in market share, and may provide a recommendation promotion corresponding thereto.

8 and 9, the report providing unit 370 has a certain card company (A) education industry market share of the second consecutive decline trend factor, compared to the last quarter 7% p occupancy decline factor, third-party market share increase factor, Factor analysis information including factors of share differences with leading card companies may be provided to the user terminal 100, and recommendation promotion information corresponding to each factor may be provided to the user terminal 100.

In addition, referring to FIG. 9, the recommended promotion information may be, for example, an interest-free event or a bill discount, and factor information provided with each recommended promotional information may be provided to the user terminal 100 and output together. In addition, the report providing unit 370 may provide the user terminal 100 with a list of recommended promotion target merchants determined by the promotion analysis unit 360.

Accordingly, the user terminal 100 may select a promotion to be applied, select a merchant to be promoted, or select to apply or modify a pre-applied promotion, and the selection information may be transmitted to the service providing device 300 and processed. have.

In addition, the user terminal 100 may request a result report according to the promotion application. FIG. 10 illustrates the industry promotion result report provided by the report providing unit 370 in response to the result report request.

As shown in FIG. 10, the report providing unit 370 monitors the promotion information obtained from the promotion analysis unit 360 and the analysis information obtained from the market share analysis unit 350, and reports the current result according to the monitoring. It can be generated and provided to the user terminal 100. The result report may include, for example, information on increasing share of a specific card company (A) in the past 3 months, ranking increase information, and information on decreasing the share gap between leading card companies, and the user terminal 100 increases the share according to each promotion result You can easily see the trend and the difference in specific share numbers.

11 to 12 are diagrams for explaining an area share report interface according to an embodiment of the present invention.

11 and 12, the report providing unit 370 reports the share information analysis result by region and time zone by using the share analysis information by region and time zone of the specific card company analyzed by the share analysis unit 350 It may be provided to the user terminal 100.

More specifically, referring to FIG. 11, the result report of the share information analysis by region and time zone may include a share of a specific area average specific card company (A), and may include top and bottom area share information.

In particular, as a result of analyzing the share information by region and time zone, the report may include card usage time zone pattern information of a specific card company (A) for each time zone corresponding to the lowest region, and the report providing unit 370 according to the time zone corresponding to the lowest region. It is possible to provide time zone recommendation information of the specific card company (A).

For example, as shown in FIG. 11, the user terminal 100 can receive promotion recommendation information in the Yeouido region, which is the lowest share, from the report providing unit 370, and the promotion recommendation information is relatively infrequently used. You can include promotional information for coupon issuance in the morning or weekend on low weekdays.

In addition, as shown in FIG. 12, the promotion recommendation information may include a list of affiliates targeted for the promotion promotion, and the report providing unit 370 includes a list of specific affiliated stores requiring increase in share in the lowest region, It can be provided to the user terminal 100.

13 is a view for explaining a large merchant share report interface according to an embodiment of the present invention.

Referring to FIG. 13, the report providing unit 370 may provide promotion recommendation information corresponding to the specific affiliated store of the specific card company A according to share analysis information of each card company corresponding to a specific large affiliated store.

For example, the large merchant share report interface may include a share trend of each card company corresponding to the franchise Y hotel, and may include share reciprocity information by room discount promotion information of a third-party C company.

In addition, the large merchant share report interface may include information on the trend of decline in share corresponding to a specific card company (A). The report providing unit 370 may obtain promotion recommendation information for preventing a decrease in market share from the promotion analysis unit 360 and provide it to the user terminal 100, for example, a recommendation corresponding to a large affiliated Y hotel The promotion information may include a promotion for a room package event or a promotion provided by a voucher.

As described above, the service providing device 300 may provide accurate business conditions and card usage share analysis information between card companies according to transaction data and information obtained from the card company server, and accordingly, previously operated incorrectly and macroscopically. The promotion can be subdivided and decided. As a result, promotion plans that were focused only on large-scale merchants can be handled for medium-sized merchants. In addition, since it is possible to accurately measure and supplement the effect on such a promotion, it is possible to induce an increase in overall sales of card companies and affiliates.

The method according to the present invention described above is produced as a program for execution on a computer and can be stored in a computer-readable recording medium. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, and magnetic tape. , Floppy disks, optical data storage devices, and the like, and also implemented in the form of a carrier wave (for example, transmission via the Internet).

The computer-readable recording medium can be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the technical field to which the present invention pertains.

In addition, although the preferred embodiments of the present invention have been shown and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention claimed in the claims. In addition, various modifications can be carried out by a person having ordinary knowledge, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (18)

In the method of providing the promotional information service of the service providing device,
Obtaining transaction data used for processing payment information;
Obtaining card usage history information for each card company from the transaction data;
Analyzing card usage information for each card company; And
Based on the analysis result, providing a promotional information service including recommended promotional information to a user terminal.
A method of providing a promotional information service of a service providing device. According to claim 1,
The analyzing step,
Analyzing the share information of each card company based on the card usage history information of each card company;
The providing step,
Providing promotional recommendation information for increasing the share of a specific card company according to the result of the share information analysis
How to provide promotional information services. According to claim 2,
The share information for each card company includes share analysis information for each business type of the specific card company,
In the step of providing the promotion recommendation information,
In accordance with the result of the analysis of the share information for each industry, further comprising the step of providing recommendation information for the promotion industry of the specific card company.
How to provide promotional information services. According to claim 3,
The promotion industry recommendation information includes market share reduction industry information calculated according to the market share increase / decrease trend.
How to provide promotional information services. According to claim 2,
The share information by card company includes share analysis information by region and time of the specific card company,
In the step of providing the promotion recommendation information,
In accordance with the result of the analysis of the share information by region and time zone, further comprising the step of providing the promotion area and time zone recommendation information of the specific card company
How to provide promotional information services. According to claim 2,
The share information for each card company includes share analysis information for each card company corresponding to a specific large affiliate store,
In the step of providing the promotion recommendation information,
And providing promotion recommendation information corresponding to the specific large affiliate of the specific card company according to share analysis information of each specific card company corresponding to the specific large affiliate.
How to provide promotional information services. According to claim 2,
In the step of providing the promotion recommendation information,
Providing a list of merchants eligible for promotion recommendation corresponding to the specific card company
How to provide promotional information services. According to claim 1,
Receiving, from the user terminal, one or more promotion selection information corresponding to the recommended promotion information and promotion target merchant selection information; And
And transmitting the selection information to a specific card company server.
How to provide promotional information services. According to claim 1,
Generating a result report including application result information of a recommendation promotion determined in response to the promotion information service provision; And
And providing the result report to the user terminal.
How to provide promotional information services. In the service providing device,
A transaction data processing unit that acquires transaction data used for processing payment information;
A usage history information collection unit for acquiring card usage history information for each card company from the transaction data;
A promotion analysis unit analyzing card usage information for each card company; And
Based on the analysis result, a report providing unit for providing a promotion information service including recommended promotion information to a user terminal
Device for providing promotional information services. The method of claim 10,
The analysis unit analyzes share information for each card company based on the card usage history information for each card company,
The report providing unit,
Providing promotional recommendation information for increasing the share of a specific card company according to the result of the share information analysis
Device for providing promotional information services. The method of claim 11,
The share information for each card company includes share analysis information for each business type of the specific card company,
The report providing unit, according to the result of analyzing the market share information for each industry, provides the promotion industry recommendation information of the specific card company
Device for providing promotional information services. The method of claim 12,
The promotion industry recommendation information includes market share reduction industry information calculated according to the market share increase / decrease trend.
Device for providing promotional information services. The method of claim 11,
The share information by card company includes share analysis information by region and time of the specific card company,
The report providing unit,
According to the result of analyzing the share information by region and time zone, providing the promotion area and time zone recommendation information of the specific card company
Device for providing promotional information services. The method of claim 11,
The share information for each card company includes share analysis information for each card company corresponding to a specific large affiliate store,
In the step of providing the promotion recommendation information,
And providing promotion recommendation information corresponding to the specific affiliate of the specific card company according to share analysis information of each card company corresponding to the specific large affiliate.
Device for providing promotional information services. The method of claim 11,
In the step of providing the promotion recommendation information,
Providing a list of merchants eligible for promotion recommendation corresponding to the specific card company
Device for providing promotional information services. The method of claim 10,
Further comprising; a communication unit for receiving one or more promotion selection information and promotion target member selection information corresponding to the recommended promotion information from the user terminal, and transmitting the selection information to a specific card company server;
Device for providing promotional information services. The method of claim 10,
The report providing unit generates a result report including application result information of the recommended promotion determined in response to the promotion information service provision, and provides the result report to the user terminal
Device for providing promotional information services.

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