KR20220025762A - A method and an apparatus for providing promotion information - Google Patents

Abstract

A method for providing a promotion information service by a service providing apparatus according to an embodiment of the present invention includes the steps of: obtaining transaction data used for processing payment information; obtaining usage history information for each of a plurality of different card companies from the obtained transaction data; calculating a relative share between a plurality of different card companies from the obtained card usage history information for each card company; and providing a promotion information service including a recommended promotion for a specific card company to a user terminal according to the calculated relative share.

Description

PROVIDING PROMOTION INFORMATION, PROVIDING PROMOTION INFORMATION

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

In general, 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 measure to increase the tax transparency of commerce.

Accordingly, business operators make affiliate contracts with various credit card companies and network relay companies, and install payment terminals for providing related payment services in stores to provide payment services. Card payment processing is completed by interworking between the relay service server that relays credit card payment information and the card company server, and transaction data by payment is stored and managed in an electronic book, and 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 that is linked with the relay company, and since revenue is generated according to the card usage ratio compared to the total payment, various promotions are provided through affiliate stores to secure market share between card companies.

In particular, credit card companies have customer information through subscription information, etc., and based on this, give certain discount benefits when using a specific business or affiliated store, or accumulate a certain amount or points therefor, and then exceed a certain amount or points. By providing differential gift giving to users only in certain cases, it is creating profits between the two entities by not only increasing the sales of the affiliated store or industry, but also encouraging card companies to use their cards.

However, since individual card companies deal only with customers using their own cards and their payment information, it is difficult to accurately analyze the effect of promotions compared to the entire industry, all affiliated stores, or all card companies.

Accordingly, in general, card companies have a large number of users and thus attract customers by determining only promotions centered on large affiliated stores, where information analysis and handling are relatively easy.

However, these large-scale affiliated store promotion results are also macroscopically inaccurately predicted, and further, subdivided promotion for small affiliated stores is hardly performed.

As such, current card companies have a problem in that it is difficult to accurately determine a practically effective promotion and its target, and moreover, they cannot provide accurate and subdivided promotions according to factors such as industry, region, age, and affiliated stores.

The present invention is to solve the above problems, and by using transaction data used for processing payment information, provides promotion information that can accurately determine an effective promotion and its target, and, accordingly, industry, region, age and An object of the present invention is to provide a method and apparatus for providing a promotion information service that can provide accurate and segmented recommended promotions for each factor, such as affiliate stores.

According to an embodiment of the present invention, there is provided a method for providing a promotion information service in a service providing apparatus, the method comprising: acquiring transaction data used for processing payment information; acquiring usage history information for a plurality of different card companies from the acquired transaction data; calculating a relative share between a plurality of different card companies from the obtained card usage history information for each card company; and providing a promotion information service including a recommended promotion for a specific card company to the user terminal according to the calculated relative share.

According to an embodiment of the present invention, there is provided an apparatus for solving the above-described problems, in a service providing apparatus, comprising: a transaction data processing unit configured to acquire transaction data used for processing payment information; a usage history information collecting unit for obtaining usage history information for a plurality of different card companies from the acquired transaction data; a promotion analysis unit for calculating a relative share between a plurality of different card companies from the obtained card usage history information for each card company; and a report providing unit that provides a promotion information service including a recommended promotion for a specific card company to the user terminal according to the calculated relative share.

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

Accordingly, according to an embodiment of the present invention, it is possible to calculate the share and sales for each card company corresponding to each factor such as industry type, region, time zone, age, and affiliated stores, and accordingly, it is possible to provide accurate and detailed recommended promotions.

In addition, in the case of a promotion manager using a user terminal, it is possible to determine a more accurate and detailed promotion, and according to the monitoring of the report, it is possible to confirm the promotion result and the effect by factor in detail and clearly.

Therefore, according to the implementation of the present invention as described above, there is an effect that it is possible to provide effective promotion even for small affiliated stores.

1 is a conceptual diagram schematically illustrating an entire system according to an embodiment of the present invention.
2 is a block diagram illustrating 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 occupancy analysis information according to an embodiment of the present invention.
5 is a diagram illustrating recommended promotion information according to an embodiment of the present invention.
6 is a view showing promotion result information according to an embodiment of the present invention.
7 to 10 are diagrams for explaining an industry share report interface according to an embodiment of the present invention.
11 to 12 are diagrams for explaining a regional occupancy report interface according to an embodiment of the present invention.
13 is a diagram for explaining a large affiliate store occupancy report interface according to an embodiment of the present invention.

Hereinafter, the principle of operation of the 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 description to be given below relate to a preferred implementation method among various methods for effectively explaining the characteristics of the present invention, and the present invention is not limited only to the following drawings and description.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related well-known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. And the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout this name.

In addition, preferred embodiments of the present invention implemented below are already provided in each system function configuration in order to efficiently describe the technical components constituting the present invention, or system functions normally provided in the technical field to which the present invention belongs The configuration is omitted as much as possible, and the functional configuration to be additionally provided for the present invention will be mainly described.

Those of ordinary skill in the art to which the present invention pertains will be able to easily understand the functions of conventionally used components from among the functional configurations omitted without being shown below, and the configuration omitted as described above. Relationships between elements and components added for purposes of the present invention will also be clearly understood.

In addition, the following examples will be used with appropriate modifications of terms so that those of ordinary skill in the art to which the present invention pertains can clearly understand in order to effectively describe the key technical features of the present invention, thereby 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 of ordinary skill in the art to which the present invention belongs. only

As used herein, the term "payment terminal" refers to a POS for providing a payment service of 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 It may include a terminal device or a CAT terminal device, and a typical payment terminal having a POS unique function for point-of-sale management and an electronic payment function through a customer card having at least one payment method may be exemplified. .

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

In addition, the term "service providing device" may refer to a relay server of a van (VAN) company that relays electronic payment by credit card as an example, and provides additional service functions different from the actual payment relay function according to specific functions to a separate server A form that is separated into a form is also possible.

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

A system according to an embodiment of the present invention includes one or more transaction data processing devices 200 , a service providing device 300 for processing transaction data in conjunction with the transaction data processing device 200 , a card company server 400 , and a user It includes the 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 device 200 includes electronic payment such as a conventional payment terminal 205 , an affiliated store ledger DB 210 , an automatic book 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 includes a payment program, and transmits a transaction approval request message to the service providing device 300 using this payment program, and the service providing device 300 sends the service providing device 300 to the card company server 400 . Credit settlement processing is performed by making an authorization request.

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 the card approval message received according to transaction data processing from the service providing device 300 . can be done

The service providing device 300 may be a server that receives the transaction data processing request of the transaction data processing device 200 and provides payment data relay to the card company server 400 and 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 apparatus 300 may collect such transaction data, perform promotion analysis processing for each card company, and provide the analysis result to the user terminal 100 .

More specifically, the service providing device 300 obtains a plurality of card usage history information for each card company from the transaction data collected from the one or more transaction data processing devices 200, and analyzes the card usage history information for each 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 may be provided with recommended promotion information corresponding to a specific card company through the use of the service providing device 300 , and the user terminal 100 outputs the recommended promotion information and processes the user input. There may be various computer devices for this purpose, for example, a promotion control terminal of a card company promotion manager, etc. may be exemplified.

According to this system configuration, the service providing device 300 can accurately and effectively analyze the card usage history information for each card company by using the affiliate store data for transmitting and receiving transaction data and the transaction data, which provides the service This is because the transaction data processed by the device 300 may include all card usage history information for each of the plurality of card companies.

Accordingly, the service providing device 300 is capable of calculating the share and sales by card company corresponding to each factor such as industry, region, time zone, age, and affiliated stores, and accordingly, the service providing device 300 provides accurate and detailed recommended promotions. It may be provided to the user terminal 100 .

In the case of a 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 provides effective recommended promotion information and a result report, and can provide a monitoring interface for this, so that the user terminal 100 can check the promotion results and effects by factors in detail and clearly. be able to

Accordingly, the user of the user terminal 100 can easily determine the promotion and its target, and in particular, can provide an effective promotion even for a small affiliated store, and can easily check the subdivided results such as the card company market share trend. .

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

Referring to FIG. 2 , the service providing apparatus 300 according to an embodiment of the present invention includes a control unit 310 , a communication unit 320 , a transaction data processing unit 330 , a usage history information collection unit 340 , and a 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 apparatus 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/receiving transaction data and processing an approval response, accessing the user terminal 100 and providing promotion information.

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

The transaction data processing unit 330 obtains 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 IC card information or magnetic stripe information used as payment information, and at least one of corresponding payment date information, payment industry information, and payment area information.

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

Also, the transaction data processing unit 330 may perform affiliate store management processing for storing and managing affiliate store information stored in the affiliate store ledger database 210 .

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

In addition, the transaction data processing unit 330 makes an approval request to the card company server 400 using the full payment approval request received through the mobile application 230 installed on the user's portable terminal, etc., and receives an approval result corresponding thereto Thus, payment relay processing to be transmitted to the mobile application 230 may be performed.

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

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

In addition, the usage history information collecting unit 340 collects card usage history information for each card company from the transaction data.

The usage history information collection unit 340 is a transaction in various formats, including the full payment approval request processed by the transaction data processing unit 330, merchant information, automatic book transaction details, mobile payment approval request full text, PG approval request text, etc. Data can be acquired, and by accumulating each transaction data, it is possible to acquire card usage history information for a plurality of card companies.

Also, the usage history information collection 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 may collect age data, gender data, etc. as member data matching transaction data, and the usage history information collection unit 340 may collect card usage history information for each card company. may include the transaction data and age data and gender data matched thereto.

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

More specifically, the card usage history information for each card company may be obtained from the information collected from the transaction data processing device 200 and the card company server 400 to accurately analyze and determine a substantially effective promotion for each card company and its target. , to overcome the limitations of information that can be collected by a single card company in the past. 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 . formed and may be output to each analysis unit.

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

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

The share calculation module can calculate the share between each card company from the card usage history information for each card company, and the analysis information provided to the report providing unit 370 according to the share between the card companies is the business share between each card company, and the share by region and time zone. , may include share analysis information of at least one of a share among card companies corresponding to a specific large affiliated store, a share by age, and a share by gender.

In addition, the share analysis unit 350 includes a pattern analysis module for processing a user's card company usage pattern analysis based on the share from card usage history information for each card company, and a factor analysis module for processing a factor analysis corresponding to the rising or falling trend of the market share In addition to calculating the share, the share analysis unit 350 calculates the user's card company usage pattern and share change factors analyzed by the share calculation as analysis information, and transmits it to the report providing unit 370. .

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

To this end, the promotion analysis unit 360 may configure a promotion database, the promotion database may store and manage a plurality of promotion information applicable 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 to store and manage the promotion information. In particular, the promotion analysis unit 360 collects promotion information currently applied by each card company. and can be managed.

For example, the promotion analysis unit 360 may determine an interest-free event as a promotion recommended by a specific card company corresponding to the analysis information of the share analysis unit 350 . The interest-free event promotion may be set as a recommended promotion when the market share is reduced for a business in which the ratio of affiliated stores in which the one-time payment amount is a certain amount or more is a certain ratio or more.

In this way, the promotion analysis unit 360 may separately analyze the recommended promotion information for each card company required in response to the market share trend according to the card usage history information and market share analysis information for each card company, and the analysis result information is provided by the report providing unit may be passed to 370 .

Then, the report providing unit 370 generates a promotion analysis report including the recommended promotion information based on the analysis result information of the share analysis unit 350 and the promotion information of the promotion analysis unit 360, and the generated report 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 . A 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 result of analyzing the share information through the promotion analysis report.

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

In addition, the report providing unit 370 may provide the promotion region and time zone recommendation information of the specific card company according to the analysis result of the market share information by region and time zone, and furthermore, to the share analysis information for each card company corresponding to a specific large affiliated 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 can provide a list of affiliated stores subject to promotion recommendation and recommended promotion information corresponding to the specific card company through the user interface of the user terminal 100, the user terminal 100 is currently required You can easily determine recommended promotions and affiliated stores.

In addition, the user terminal 100 may be a promotion manager of the card company server 400 or a terminal in which the corresponding authority is set. In this case, the control unit 310 receives the information from the user terminal 100 through the communication unit 320 . One or more promotion selection information and promotion target affiliate store selection information corresponding to the recommended promotion information 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 to enable 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 provision of the promotion information service, and may provide the result report to the user terminal.

To this end, the report providing unit 370 may monitor the trend of analysis results obtained from the share analysis unit 350 and the promotion analysis unit 360 in real time, and a recommendation confirmed according to the monitoring with the user terminal 100 . By providing the information on the application result of the promotion, the user can check the application result of the recommended promotion in real time and then decide on the promotion.

Meanwhile, the storage unit 380 may store various information for performing the above processing, and may include magnetic media such as hard disks, floppy disks and magnetic tapes, compact disk read only memory (CD-ROM), and DVD. (Optical Media) such as (Digital VideoDisk), magneto-optical media such as Floptical Disk, and ROM, RAM (Random Access Memory), flash memory 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 obtains transaction data used for payment information processing through the transaction data processing unit 330 ( S101 ).

Then, the service providing apparatus 300 obtains card usage history information for each card company from the transaction data through the usage history information collecting 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 result of the share analysis through the promotion analysis unit 360 (S107) ).

Accordingly, the service providing apparatus 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 . to provide the promotion information report (S111).

On the other hand, when the aforementioned automated promotion processing is possible or a preset promotion application process exists, the service providing apparatus 300 transmits the promotion selection information received from the user terminal 100 through the control unit 310 to the target card company server By passing to 400, the promotion may be applied and processed (S113), which may be selectively processed.

Thereafter, the service providing apparatus 300 performs monitoring of the promotion application result 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 are illustrated with reference to FIGS. 4 to 13 , and the report providing unit 370 according to an embodiment of the present invention outputs the report interface. By providing the report data for the user terminal 100 to the user terminal 100, the report interface can be output, and the report providing unit 370 includes the share analysis unit 350 and the promotion analysis unit 360. By using the processing result of , such report data can be generated.

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 promotion result 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 may output it through the display unit.

Figure 4 shows the share analysis report interface for each industry, and the report providing unit 370 obtains the relative share information from the share analysis unit 350 relative to the industry average of the specific card company (A) compared to the industry such as catering, distribution, and education. It may be provided to the user terminal 100 .

In addition, Figure 5 shows a promotion target industry recommendation report interface, the report providing unit 370 checks the industry that needs promotion according to the share trend from the promotion analysis unit 360, and provides an analysis report corresponding thereto to the user terminal ( 100) can be provided. As shown in FIG. 5 , the promotion target industry recommendation report interface may include market share and increase/decrease trend of a specific card company (A) corresponding to affiliated stores for each business type, and occupancy ranking information between card companies.

On the other hand, FIG. 6 shows a promotion result report interface, and in FIG. 6 , it is exemplified that the quarterly market share trend after application of the X promotion recommended by the promotion analysis unit 360 is shown. As shown in FIG. 6 , the user can monitor the occupancy trend after determining the X promotion corresponding to a specific affiliated store AA language school, and can easily check the occupancy increase effect of the A card in real time.

In this way, the report providing unit 370 may provide a report interface that can determine the promotion target and recommended promotion according to the subdivided factors to the user terminal 100, and in particular, monitor the usage share trend of the card company according to the application of the promotion. This makes it easy to apply the subdivided selection of promotions and to check the results, and furthermore, it is possible to promote small-scale affiliated stores, etc., thereby maximizing the promotional effect.

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

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

As shown in FIG. 7 , the report providing unit 370 provides a specific quarter overall share and ranking information corresponding to a specific card company (A), trend information compared to the last quarter, and share trend information by industry status analysis interface 101 can be provided to the user terminal 100 through It is possible to grasp the current status and trend of the credit card company (A)'s market share by industry.

And, as shown in FIGS. 8 and 9 , the report providing unit 370 may provide detailed analysis pages for market share corresponding to the industry in need of promotion, and the report providing unit 370 through the detailed analysis page for market share. may provide information on the industry in which the market share has been continuously reduced, and may provide a recommended promotion corresponding thereto.

Referring to FIGS. 8 and 9 , the report providing unit 370 determines that the share of the education industry of a specific card company (A) is decreasing for two consecutive quarters, a factor of a decrease of 7%p compared to the previous quarter, a factor of increasing the share of other companies, Factor analysis information including a share difference factor with the leading card company may be provided to the user terminal 100 , and recommended promotion information corresponding to each factor may be provided to the user terminal 100 .

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

Accordingly, the user terminal 100 may select a promotion to be applied, select a promotion target affiliated store, or select application or modification of a previously applied promotion, and the selection information may be transmitted to and processed by the service providing device 300 . there is.

In addition, the user terminal 100 may request a result report according to the application of the promotion, and FIG. 10 exemplifies 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 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 increase in market share of a specific card company (A) over the past 3 months, information on ranking increase, and information on decreasing share gap between leading card companies, and in the user terminal 100, increase in market share according to each promotion result You can easily check the difference between the trend and the specific occupancy rate.

11 to 12 are diagrams for explaining a regional occupancy report interface according to an embodiment of the present invention.

11 and 12 , the report providing unit 370 uses the market share analysis information for each region and time period of a specific card company analyzed by the market share analysis unit 350 to report the result of analysis of market share information by region and time period. may be provided to the user terminal 100 .

More specifically, referring to FIG. 11 , the occupancy information analysis result report for each region and time period may include the occupancy rate of a specific card company (A) on average in a specific region, and may include information on the highest and lowest occupancy regions.

In particular, the market share information analysis result report by region and time zone may include card usage time pattern information of a specific card company (A) for each time zone corresponding to the lowest region, and the report providing unit 370 is configured for each time zone corresponding to the lowest region. Time zone recommendation information of the specific card company A may be provided.

For example, as shown in FIG. 11 , the user terminal 100 may receive promotion recommendation information of the Yeouido region, which has the lowest occupancy, from the report providing unit 370, and the promotion recommendation information has a relatively low frequency of use. Coupon issuance promotion information may be included on a lower weekday morning or on the weekend.

In addition, as shown in FIG. 12, the promotion recommendation information may include a list of affiliated stores subject to the recommended promotion, and the report providing unit 370 configures a list of specific affiliated stores that are required to increase market share in the lowest region, It may be provided to the user terminal 100 .

13 is a diagram for explaining a large affiliated store occupancy 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 market share analysis information for each card company corresponding to the specific large affiliated store.

For example, the large affiliated store occupancy report interface may include the occupancy trend for each card company corresponding to the affiliated store Y hotel, and may include occupancy compatibility information based on room discount promotion information of Company C, which is a third party.

In addition, the large affiliated store share report interface may include information on the rate of decline in share corresponding to the specific card company (A). The report providing unit 370 obtains promotion recommendation information for preventing the share reduction from the promotion analysis unit 360 and provides it to the user terminal 100, for example, a recommendation corresponding to a large affiliated store Y hotel. Promotion information may include room package event promotion or voucher provision promotion.

In this way, the service providing device 300 can 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, the existing inaccurate and macroscopically operated only As promotions can be subdivided and decided, promotion planning, which was concentrated only on large franchises, can be processed for medium-sized affiliates as well. In addition, since the effect of such a promotion can be accurately measured and supplemented, it is possible to induce an overall increase in sales of the card company and affiliated stores.

The method according to the present invention described above may be produced as a program to be executed by a computer and stored in a computer-readable recording medium. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape. , a floppy disk, an optical data storage device, and the like, and also includes those implemented in the form of a carrier wave (eg, transmission through the Internet).

The computer-readable recording medium is distributed in a network-connected computer system, so that the computer-readable code can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention pertains.

In addition, although preferred embodiments of the present invention have been illustrated 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 as claimed in the claims Various modifications may be made by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (6)

In the method of providing promotion information service of the service providing device,
acquiring transaction data used for processing payment information;
acquiring usage history information for a plurality of different card companies from the acquired transaction data;
calculating a relative share between a plurality of different card companies from the obtained card usage history information for each card company; and
In accordance with the calculated relative share, comprising the step of providing a promotion information service including a recommended promotion for a specific card company to the user terminal;
Method of providing promotional information service of service providing device. The method of claim 1, wherein the calculating comprises:
Based on the usage history information for each card company, among the market share between each card company, the regional share between each card company, the share by time period between each card company, the share by age between each card company, the gender share between each card company, and the share between the card companies corresponding to a specific affiliate store Comprising the step of calculating at least one occupancy information analysis result
Method of providing promotional information service of service providing device. The method of claim 2, wherein the providing comprises:
According to the analysis result of the share information, at least one of promotion industry recommendation information of a specific card company, promotion region and time zone recommendation information of a specific card company, promotion recommendation information corresponding to a specific affiliate store, and a list of affiliated stores for promotion recommendation corresponding to a specific card company comprising the step of providing to a user terminal
Method of providing promotional information service of service providing device. In the service providing device,
a transaction data processing unit for obtaining transaction data used for processing payment information;
a usage history information collecting unit for obtaining usage history information for a plurality of different card companies from the obtained transaction data;
a promotion analysis unit for calculating a relative share between a plurality of different card companies from the obtained card usage history information for each card company; and
A report providing unit for providing a promotion information service including a recommended promotion for a specific card company to a user terminal according to the calculated relative share;
Service providing device. According to claim 4, wherein the promotion analysis unit,
Based on the usage history information for each card company, among the market share between each card company, the regional share between each card company, the share by time period between each card company, the share by age between each card company, the gender share between each card company, and the share between the card companies corresponding to a specific affiliate store Calculating the result of analysis of one share of information at a minimum
Service providing device. The method of claim 5, wherein the report providing unit,
According to the analysis result of the share information, at least one of promotion industry recommendation information of a specific card company, promotion region and time zone recommendation information of a specific card company, promotion recommendation information corresponding to a specific affiliate store, and a list of affiliated stores for promotion recommendation corresponding to a specific card company provided by the user terminal
Service providing device.

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