KR20220122323A - Method for providing benefit to customer using my data - Google Patents

Abstract

The present invention relates to a method for creating customer profit using my data. The method for creating customer profit using my data according to the present invention comprises: (a) a step of obtaining a prior consent from a customer, and establishing a partnership agreement for sharing my data and providing a point; (b) a step of performing my data management through a service provider platform; and (c) a step of sharing my data and providing the point to the relevant customer based on the partnership agreement.

Description

How to create customer profits using my data {METHOD FOR PROVIDING BENEFIT TO CUSTOMER USING MY DATA}

The present invention relates to a method of generating customer profits using My Data.

The My Data industry utilizes customer information distributed across multiple companies and institutions so that customized products or services can be recommended.

In other words, in a situation where financial information such as banks, insurance, cards, etc. are spread out in each company, it is possible to provide new services in connection with various application fields by collecting data in one place and then providing related services.

However, the use of my data according to the prior art is not the use of a natural financial settlement ecosystem according to the transaction proceeding, but artificially collecting/moving data. have.

The present invention has been proposed to solve the above problems, and it is possible to use a payment platform and manage the payment of points according to the sharing of my data based on the customer's prior consent and a partnership contract related to the use of my data. The purpose is to provide a method of generating customer profits using

The present invention relates to a method of generating customer profits using My Data.

The method for generating customer profits using My Data according to the present invention includes the steps of (a) obtaining customer prior consent, establishing an alliance contract for sharing my data and providing points, (b) managing my data through a service provider platform and (c) sharing my data based on the affiliate contract and providing points to the customer.

Step (a) manages customer information that has subscribed to the service provider platform, and obtains customer prior consent for sharing my data and providing points.

In step (a), an alliance contract is established with at least one of the existing affiliates previously subscribed to the service provider platform and the point provision requesting company not subscribed to the service provider platform.

In step (b), a plurality of payment methods and memberships are integrated and managed using a service provider platform, and a payment service is provided according to customer needs and my data is generated accordingly.

Step (c) extracts my data to be shared among my data in consideration of the partnership contract, and transmits it to the point provider.

The criteria for extracting the shared target My Data in step (c) include at least one of criteria for customer groups, criteria for product groups, and criteria for payment time and place.

The customer profit generating server using my data according to the present invention manages customer information that has signed up for a payment platform, a customer management unit that obtains customer consent for sharing my data, and provides points in return for sharing my data. The affiliate contract management unit that manages the affiliate contract, the payment service provider that provides payment services using a payment platform that integrates a plurality of payment methods and membership management, and the payment service provider based on the affiliate contract provide the above my data to the point provider; It includes a my data sharing and point management unit that grants the payment platform points granted by the point provider to the customer.

The customer management department proceeds with the customer consent process in consideration of the user request information about the percentage of points paid according to the sharing of my data.

The affiliate contract management unit establishes an affiliate contract with at least one of an existing affiliate that has already subscribed to the payment platform and a point provision requesting company that is not subscribed to the payment platform.

My data sharing and point management unit extracts my data to be shared from my data according to the extraction criteria including at least one of criteria for customer group, product group, and payment time and place of the affiliate contract, This is provided as a point provider.

According to the present invention, the customer agrees to share payment data through the user-centered payment service platform, thereby making it possible to generate profits such as points.

For affiliates, it is possible to break away from the existing data collection restrictions and utilize customer payment data for each affiliate's business.

Effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 shows a payment model and a user-centered payment model according to the prior art.
Figure 2 shows a customer profit generating server using my data according to an embodiment of the present invention.
3 illustrates a service provider platform, an affiliate, and a point providing institution according to an embodiment of the present invention.
4 illustrates a method for generating customer profits using My Data according to an embodiment of the present invention.

The above and other objects, advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings.

However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the following embodiments are intended for those of ordinary skill in the art to which the present invention pertains. It is only provided to easily inform the composition and effect, and the scope of the present invention is defined by the description of the claims.

Meanwhile, the terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. In this specification, the singular also includes the plural, unless specifically stated otherwise in the phrase. As used herein, “comprises” and/or “comprising” means that a referenced component, step, operation, and/or element is the presence of one or more other components, steps, operations and/or elements. or added.

1 shows a payment model and a user-centered payment model according to the prior art.

Referring to (a) of Figure 1, in the case of the prior art, the user's financial information is transmitted to the affiliated store, and the system is connected to the financial institution from the affiliated store.

On the other hand, referring to (b) of Figure 1, the ID of the affiliated store is transmitted to the user system, and the payment service is processed in the user's system (eg, a smartphone), so that the user's purchase information is accumulated in the user's system, A foundation for user-centered services is created.

Considering the aspect of intermediary intervention, this user-centered payment service not only reduces VAN company fees and PG company fees, but also enables customers to reduce the risk of personal information leakage.

In addition, the operator can reduce the burden of fees, and from the customer's point of view, a complex payment that can process payment, membership, etc. at once is possible, thereby increasing convenience.

According to these payment services, financial companies provide payment data (payment location information, total amount information), app service providers and customers receive not only payment data but also detailed transaction data (purchased items, detailed information), and service providers (payment platform service) provider) owns/manages customer data.

According to an embodiment of the present invention, a service provider and a point provider (which may be affiliates that have previously subscribed to a payment platform provided by a service provider, and want to receive and utilize customer information instead of providing points according to customer information sharing needs) Based on the customer's prior consent to the affiliate agreement of a new company), the sharing of my data (customer payment data), and the customer's prior consent for the payment of points, a third party, not the person who provided the service for the payment, provides the customer with points. We propose a system that supports the sharing of payment data and enables customers to generate profits through the points provided.

According to an embodiment of the present invention, it is possible to create a profit using my data by the user-centered sharing platform provided by the service provider server.

Figure 2 shows a customer profit generating server using my data according to an embodiment of the present invention.

The customer profit creation server using my data according to an embodiment of the present invention includes a customer management unit 210 , an affiliate contract management unit 220 , a payment service providing unit 230 , and a my data sharing and point management unit 240 .

The customer management unit 210 manages customer information subscribed to the payment platform, and obtains customer consent for terms and conditions and credit information provision and use.

At this time, customer consent includes consent to receive points according to My Data sharing.

The affiliate contract management unit 220 manages affiliate contracts for affiliates using the payment platform, shares payment and transaction data according to services provided by other service providers, and manages affiliate contracts for providing points accordingly do.

The party to the affiliate contract for providing points may be an existing affiliate that uses a payment platform, or an entity that does not use a payment platform but wants to share my data (bank, card company, point provider).

The payment service providing unit 230 provides a payment service according to customer needs by integrating and managing a plurality of payment methods and membership, and generates my data for each customer according to payment.

My data sharing and point management unit 240 provides my data received by the payment service providing unit 230 to the point provider based on the partnership contract, and the customer who shares my data with the payment platform points granted from the point provider give to

The my data sharing and point management unit 240 extracts my data based on the affiliate contract by classifying the customer group or payment product group in consideration of the affiliate contract for providing points, and provides it to the point provider.

3 illustrates a service provider platform, an affiliate, and a point providing institution according to an embodiment of the present invention.

Referring to FIG. 3 , it is assumed that there are affiliate A, affiliate B, affiliate C, affiliate D, and affiliate E using the service provider platform 250 .

According to the prior art, an affiliate using a service provider platform accumulates payment data through a service providing application, pays points to a customer of the corresponding payment data, and cannot secure data related to a service provided by another affiliate.

According to an embodiment of the present invention, when a transaction party accumulating payment data through a service providing application wants to secure not only information about a transaction in which it is involved, but also customer information (payment information, transaction information) of a third party, It is possible to become a point provider on your own, provide service provider platform points according to the sharing of My Data, and build a customer DB by acquiring My Data.

According to an embodiment of the present invention, it is not to create a separate My Data operator and receive a subscription, but to legally share information that is naturally accumulated in the transaction environment provided through the service provider platform, and to create economic benefits for customers It is possible.

For example, referring to FIG. 3 , when a payment institution (bank, card company, point operator, etc.) wants to secure customer information, it enters into an alliance contract with a service provider, and each affiliate (Affiliate A, Affiliate B, Affiliate C, Affiliate D) , receives the My Data generated according to the service provision from the affiliate E), and provides service provider platform points in return to create profits for customers.

When payment is performed using a payment method by the service provider platform, when a purchase payment is made for a service provider using an application of a third party other than the service provider, it is possible to secure (share) transaction data between different service providers, It is possible to turn different service provider applications into affiliate apps.

In addition, when direct alliance between different service providers is made, alliance points between different service providers are provided by using the service provider platform, and the customer points include service provider platform points and alliance points according to direct alliance.

According to an embodiment of the present invention, by restricting transaction items, My data generated according to the service provision of specific affiliates (eg, food service-related affiliate A and affiliate C) is selectively shared, and points are provided accordingly It is possible to conclude a partnership agreement with

In addition, by limiting the customer group, it is possible to selectively share my data corresponding to customers of a specific age and gender rather than all customers, and enter into an alliance contract to provide points accordingly.

In addition, by limiting the payment time and payment place, it is possible to selectively share My data generated according to the transaction progress at a specific time or place, and enter into an affiliate contract to provide points accordingly.

4 illustrates a method for generating customer profits using My Data according to an embodiment of the present invention.

A method of generating customer profit using My Data according to an embodiment of the present invention includes the steps of establishing customer consent and an alliance contract, performing My Data management through a service provider platform, and providing points.

Step S310 manages customer information that has signed up for the service provider platform, obtains customer consent for terms and conditions and credit information provision and use, and customer consent includes consent to receive points according to my data sharing.

At this time, in the customer consent, it is possible to receive the customer's request information for the percentage of points paid compared to the payment amount, and to take this into account. For example, it is possible to share My Data with a point provider that provides points for a higher percentage in consideration of customer request information.

Step S310 establishes a partnership contract related to sharing my data according to the provision of points with a subject requesting the sharing of my data generated according to the service provision of an affiliate or a third party using the service provider platform. That is, the party to the affiliate contract for sharing my data and providing points may be an existing affiliate that uses a payment platform, or an entity (bank, card company, point provider) who does not use a payment platform but wants to share my data.

In step S320, a plurality of payment methods and memberships are integrated and managed through a service provider platform to provide a payment service according to customer needs, and to generate my data for each customer according to payment.

In step S330, my data is provided to the point provider based on the partnership contract established in step S310, and the service provider platform points granted by the point provider are given to the customer who has shared my data.

At this time, step S330 considers the partnership contract in step S310, classifies the customer group or payment product group, extracts my data based on the partnership contract, and provides it to the point provider.

Meanwhile, the method for generating customer profits using My Data according to an embodiment of the present invention may be implemented in a computer system or recorded in a recording medium. The computer system may include at least one processor, a memory, a user input device, a data communication bus, a user output device, and storage. Each of the above-described components performs data communication through a data communication bus.

The computer system may further include a network interface coupled to the network. The processor may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in a memory and/or storage.

The memory and storage may include various types of volatile or non-volatile storage media. For example, memory may include ROM and RAM.

Accordingly, the method for generating customer profits using My Data according to an embodiment of the present invention may be implemented as a computer-executable method. When the method for generating customer profit using My Data according to an embodiment of the present invention is performed in a computer device, computer readable instructions may perform the method for generating customer profit using My Data according to the present invention.

Meanwhile, the method for generating customer profit using My Data according to the present invention described above may be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes any type of recording medium in which data that can be read by a computer system is stored. For example, there may be a read only memory (ROM), a random access memory (RAM), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, and the like. In addition, the computer-readable recording medium may be distributed in computer systems connected through a computer communication network, and stored and executed as readable codes in a distributed manner.

Claims (10)

(a) obtaining the customer's prior consent and establishing an affiliate contract for sharing my data and providing points;
(b) performing my data management through the service provider platform; and
(c) sharing my data based on the affiliate agreement and providing points to the customer
A method of generating customer profits using My Data, including
According to claim 1,
The step (a) is to manage customer information subscribed to the service provider platform, and obtain the customer's prior consent for sharing my data and providing points
How to generate customer profits using in-my data.
According to claim 1,
The step (a) is to establish the affiliate contract with at least one of an existing affiliate affiliated with the service provider platform and a point provision requesting company not subscribed to the service provider platform.
How to generate customer profits using in-my data. According to claim 1,
The step (b) is to integrate and manage a plurality of payment methods and memberships using the service provider platform, provide a payment service according to customer needs, and generate the My Data accordingly
How to generate customer profits using in-my data.
According to claim 1,
The step (c) is to extract my data to be shared among the my data in consideration of the partnership contract, and transmit it to the point provider
How to generate customer profits using in-my data.
6. The method of claim 5,
In the step (c), the criterion for extracting the shared target my data includes at least one of a criterion for a customer group, a criterion for a product group, and a criterion for a payment time and place
How to generate customer profits using in-my data.
a customer management unit that manages customer information subscribed to the payment platform and obtains customer consent for sharing my data;
an affiliate contract management unit for managing an affiliate contract for providing points in return for sharing the my data;
a payment service providing unit that provides a payment service using the payment platform that integrates and manages a plurality of payment methods and membership; and
My data sharing and point management unit that provides the my data to the point provider based on the partnership agreement and grants the payment platform points granted by the point provider to the customer
Customer profit making server using my data, including
8. The method of claim 7,
The customer management unit proceeds with the customer consent process in consideration of the user request information for the percentage of point payment according to the sharing of my data
Customer profit making server using my data, including
8. The method of claim 7,
The affiliate contract management unit establishes the affiliate contract with at least one of an existing affiliate that has previously subscribed to the payment platform and a point provision requesting company that is not subscribed to the payment platform
A server that generates customer profits using in-my data.
8. The method of claim 7,
The my data sharing and point management unit collects my data to be shared from the my data according to an extraction standard including at least one of a standard for a customer group of the affiliate contract, a standard for a product group, and a standard for a payment time and place Extracting it and providing it to the point provider
A server that generates customer profits using in-my data.

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