WO2015026184A1 - Procédé de recommandation de carte de paiement mobile sur la base de l'emplacement d'utilisation de la carte de paiement et d'un historique de paiement, et serveur de gestion appliquant ce procédé - Google Patents

Procédé de recommandation de carte de paiement mobile sur la base de l'emplacement d'utilisation de la carte de paiement et d'un historique de paiement, et serveur de gestion appliquant ce procédé Download PDF

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Publication number
WO2015026184A1
WO2015026184A1 PCT/KR2014/007794 KR2014007794W WO2015026184A1 WO 2015026184 A1 WO2015026184 A1 WO 2015026184A1 KR 2014007794 W KR2014007794 W KR 2014007794W WO 2015026184 A1 WO2015026184 A1 WO 2015026184A1
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WO
WIPO (PCT)
Prior art keywords
mobile
payment
card
mobile card
location information
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Application number
PCT/KR2014/007794
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English (en)
Korean (ko)
Inventor
남규한
Original Assignee
에스케이씨앤씨 주식회사
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Publication of WO2015026184A1 publication Critical patent/WO2015026184A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present invention relates to mobile commerce, and more particularly, to a method for recommending an optimal mobile card in an environment in which a plurality of mobile payment cards are issued.
  • Mobile credit card issuance is gradually increasing due to the activation of mobile commerce. It is common to issue a basic plastic credit card for issuing a mobile credit card, and the performance required for granting various benefits is calculated by adding them together.
  • the present invention has been made to solve the above problems, an object of the present invention, even if the user does not know in advance the use of the credit card or credit card discount, the past use history based on the card use place By referring to an optimal payment card recommendation method and a management server applying the same.
  • a mobile card recommendation method includes: receiving location information of a mobile device; Determining an optimal mobile card to be used for mobile payment based on the location information received in the receiving step; And notifying the mobile device of the mobile card determined in the determining step.
  • the determining may include determining a mobile card in which the payment at the location indicated by the location information is recognized as a use record and the use record is insufficient.
  • the mobile card may be determined by referring to a DB in which the past actual payment details are recorded at the location.
  • the mobile card recommendation method comprises the steps of: receiving a mobile payment history performed through the mobile device; And updating the DB based on the mobile payment details and the location information.
  • the determining step if the payment at the location is recognized as a record of use and the number of mobile cards under the record of use, the mobile card with the highest discount rate, the mobile card with the highest amount of money, the mobile with the lowest rate.
  • the determining step may determine the mobile card having the highest discount rate when the payment at the location is recognized as the use record and there is no mobile card with the use record.
  • the mobile card may be determined by referring to a DB in which past actual payment details are recorded in the location information.
  • the determining step when the current date is included in the first period, the payment at the location is recognized as the use performance and the mobile card may be less than the use performance.
  • the determining may determine the mobile card having the highest discount rate at the location when the current date is included in the second period.
  • the first period may be determined based on past actual payment details.
  • the receiving step may be received from the mobile device when a payment function is selected after the electronic wallet application for mobile payment is executed in the mobile device.
  • the management server a communication interface connected to communicate with the mobile device; And a processor configured to receive the location information of the mobile device through the communication interface, determine an optimal mobile card to use for mobile payment based on the location information, and notify the mobile device of the determined mobile card through the communication interface. It includes;
  • the mobile payment method transmitting the current location information to the server; Receiving, from the server, a mobile card that is optimal for mobile payment determined by the server based on the current location information; And processing the mobile card notified in the notification step to be available for mobile payment.
  • the optimal mobile card may be a mobile card in which payment at a location indicated by the current location information is recognized as a use record and a use record is insufficient.
  • the optimal mobile card may be determined with reference to a DB containing past actual payment details at the location.
  • the mobile payment method the step of identifying the current location information; Determining an optimal mobile card to use for mobile payment based on the current location information; And processing the mobile card determined in the determining step to be available for mobile payment.
  • the user since the optimal payment card is recommended based on the place of use of the card based on the actual card payment history of the past user, the user may select a merchant that can use the credit card or discount the card. You will enjoy the maximum benefits you can receive without knowing in advance.
  • FIG. 1 is a view showing a mobile payment system to which the present invention is applicable
  • FIG. 2 is a detailed block diagram of the mobile device shown in FIG. 1;
  • FIG. 3 is a detailed block diagram of the wallet / card management server shown in FIG. 1;
  • FIG. 4 is a diagram illustrating a user DB of FIG.
  • 5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB
  • 6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB
  • FIG. 7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention.
  • FIG. 8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
  • FIG. 1 is a diagram illustrating a mobile payment system to which the present invention is applicable. As shown, the mobile payment system to which the present invention is applicable, the point-of-sale terminal 10, the payment gateway 20, credit card company servers 30, mobile device 100 and wallet / Card management server 200 is included.
  • the mobile device 100 is a device that a user who supports mobile payment with Near Field Communication (NFC) in the POS terminal 10 carries.
  • NFC Near Field Communication
  • the wallet / card management server 200 issues and manages the mobile credit card necessary for the mobile device 100 to perform mobile payment by NFC to the mobile device 100 on behalf of credit card companies. In addition, the wallet / card management server 200 may download the electronic wallet application required for mobile payment to the mobile device 100.
  • the wallet / card management server 200 is interlocked with the payment gateway 20, the credit card company servers 30, and the mobile device 100, and the 'past credit card payment history' for each user of the mobile device is 'credit card payment'.
  • 'User DB (DataBase)' is built / updated in connection with 'location'.
  • the wallet / card management server 200 refers to the 'user DB' and 'the current location of the user' (that is, the payment location), the optimal mobile credit among mobile credit cards issued to the mobile device 100 The card is determined and notified to the mobile device 100.
  • An optimal mobile credit card is a mobile credit card that is most advantageous to the user in terms of benefit provided by the credit card company.
  • the method of recommending the optimal mobile credit card by the wallet / card management server 200 will be described later in detail with reference to FIGS. 7 and 8.
  • the touch screen 110 functions as a display means and a user interface means. In connection with an embodiment of the present invention, the touch screen 110 displays the execution result of the electronic wallet application 160.
  • NFC module 120 is a module that supports NFC with the POS terminal 10
  • the communication unit 140 includes a communication module for mobile communication and wireless networking (WiFi, WLAN, etc.) and a GPS module for receiving GPS signals do.
  • the processor 130 performs overall control of the mobile device 100, but executes the electronic wallet application 160 in relation to the present embodiment.
  • the SE 150 is a storage in which information of mobile credit cards 155 issued by the wallet / card management server 200 is stored as an applet.
  • the electronic wallet application 160 includes a card management module 161, a mobile payment module 163, an SMS processing module 165, and a location information transmission module 167.
  • the card management module 161 is a module that determines one of the mobile credit cards 155 issued to the SE 150 as the default payment card.
  • the default payment card may be based on the notification result from the wallet / card management server 200, but may also be according to the priority held in the card management module 161.
  • the mobile payment module 163 transfers the information of the mobile credit card to be used for payment to the POS terminal 10 through the NFC module 120, so that mobile payment is made.
  • the SMS processing module 165 selects a message including payment details of a plastic credit card among SMS messages received through the communication unit 140 of the mobile device 100. It should be noted that the message selected by the SMS processing module 165 is the payment history of the 'plastic' credit card, not the payment history of the 'mobile' credit card.
  • the SMS processing module 165 extracts information on the credit card type, payment amount, and payment date and time from the selected message and transmits the information to the wallet / card management server 200 through the communication unit 140.
  • the location information transmission module 167 transmits current location information of the mobile device 100 to the wallet / card management server 200 through the communication unit 140.
  • the current location information transmission is performed when the payment function is selected by the user after the electronic wallet application 160 is executed, and the mobile payment module 163 of the electronic wallet application 160 is connected to the POS terminal through the NFC module 120. 10) is performed when the mobile payment is performed.
  • the former is necessary for the wallet / card management server 200 to recommend the optimal mobile credit card, and the latter is necessary for the wallet / card management server 200 to add the payment details to the user DB in connection with the payment location. .
  • the wallet / card management server 200 includes a communication interface 210, a processor 220, and a user DB 230.
  • the communication interface 210 establishes and maintains a communication connection with the mobile device 100, the payment gateway 20, and the credit card company servers 30.
  • the processor 220 issues and manages a mobile card to the mobile device 100 on behalf of credit card companies.
  • the processor 220 collects information related to credit card payment from the payment gateway 20, the credit card company servers 30, and the mobile device 100 to build / update the user DB 230.
  • User DB 230 is a DB that stores the 'credit card payment history' associated with the 'credit card payment location' for each user of the mobile device. User DB 230 is illustrated in FIG. 4.
  • the user DB 230 stores payment details for each user and credit card.
  • the settlement details include settlement position, performance target, discount amount and discount rate.
  • the payment details include payment by plastic credit card in addition to payment by mobile credit card.
  • a process of collecting payment details using a mobile credit card and payment details using a plastic credit card and reflecting them to the user DB 230 will be described one by one.
  • 5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB (230).
  • the electronic wallet application 160 When the mobile payment module 163 of the electronic wallet application 160 installed in the mobile device 100 performs mobile payment to the POS terminal 10 through the NFC module 120 (S310), the electronic wallet application 160 The location information transmission module 167 transmits current location information to the wallet / card management server 200 through the communication unit 140 (S320).
  • POS terminal 10 transmits the payment information to the payment agency 20 (S330), the payment gateway 20 transfers the payment information to the credit card company server 30 (S340). In addition, the payment gateway 20 notifies the wallet / card management server 200 of the payment (S350).
  • the processor 220 of the wallet / card management server 200 requests / receives a detailed payment history from the credit card company server 30 through the communication interface 210 (S350) and the location information received in step S320. Together with the user DB 230 is added (S360).
  • the detailed payment details requested / received in step S350 include a payment amount, performance target, a discount amount, and a discount rate.
  • the 'payment location' is obtained from the current location information received in step S320, and the 'performance target, payment amount, discount amount and discount rate' is detailed payment received in step S360. It is obtained from the details.
  • 6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB (230).
  • the SMS processing module 165 of the electronic wallet application 160 selects the credit card type, The payment information and the payment date are extracted and transmitted to the wallet / card management server 200 through the communication unit 140 (S420).
  • the processor 220 of the wallet / card management server 200 requests / receives the detailed payment history from the credit card company server 30 through the communication interface 210 (S430), and adds it to the user DB 230. (S440).
  • the 'performance target, payment amount, discount amount and discount rate' as well as 'payment location' of the user DB 230 illustrated in FIG. 4 are obtained from the detailed payment details received in step S430.
  • the processor 220 may generate information about the address of the affiliated store that has paid with a credit card.
  • the user DB 230 can be made not only a mobile credit card but also a payment by a plastic credit card.
  • the user DB 230 can reflect the results of use by both when determining whether the use results are described later.
  • step S420 of the payment information transmitted from the SMS processing module 165 of the electronic wallet application 160 to the wallet / card management server 200 can be omitted except for the credit card type.
  • the wallet / card management server 200 can obtain all from the credit card company server 30.
  • the wallet / card management server 200 recommends the optimal mobile credit card at the 'place' of the 'current' of the mobile credit cards 155 issued to the SE 150 of the mobile device 100.
  • the process will be described in detail with reference to FIG. 7. 7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention.
  • the processor 220 of the wallet / card management server 200 receives current location information from the electronic wallet application 160 of the mobile device 100 through the communication interface 210 (S510). ).
  • the location information transmission module 167 may transmit the current location information of the mobile device 100 to the wallet / card management server ( 200, the processor 220 of the wallet / card management server 200 determines the payment location of the user through step S510.
  • the processor 220 of the wallet / card management server 200 searches for the mobile credit cards in the user DB 230 that recognizes the credit card payment in the location received in step S510 (S520), the retrieved mobile In step S530, the mobile credit card is re-searched under the credit card.
  • the processor 220 of the wallet / card management server 200 determines the default payment card (S540) and performs the mobile communication through the communication interface 210.
  • the device 100 notifies (S550).
  • the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 sets the mobile credit card notified in step S550 as the default payment card.
  • the mobile credit card set as the default payment card is used for mobile payment unless there is an intentional change by the user before the mobile payment.
  • step S510 if the current position received at step S510 is (x 1 , y 1 ), the mobile credit cards “C 1 ” and “C 3 ” are searched at step S520. , Mobile credit card “C 3 " is excluded in step S530 because the required performance was exceeded. Accordingly, the mobile credit card determined / notified in step S540 / S550 is “C 1 ”.
  • step S540 the processor 220 of the wallet / card management server 200 selects one mobile credit card.
  • the processor 220 of the wallet / card management server 200 1) of the corresponding mobile credit card, 1) the highest mobile credit card with the highest discount rate, 2) less than the required performance amount or the highest rate
  • One mobile credit card may be selected based on the mobile credit card, or 3) a priority set by the user (eg, a request achievement priority).
  • step S520-N or S530-N the processor 220 of the wallet / card management server 200 is the location received in step S510 In step S560, the mobile credit card to which the discount is applied at the time of credit card payment is applied.
  • step S560 the processor 220 of the wallet / card management server 200 determines this as the default payment card (S540), the mobile device 100 through the communication interface 210 Notify to (S550).
  • step S510 if the current location received in step S510 is (x 3 , y 3 ), there is no mobile credit card corresponding to both step S520 and step S530. Since the corresponding mobile credit card "C 1 " is searched, the mobile credit card determined / notified in step S540 / S550 is "C 1 ".
  • step S560 If, as a result of performing step S560, there are a large number of mobile credit cards, the processor 220 of the wallet / card management server 200 selects one mobile credit card in step S540.
  • the processor 220 of the wallet / card management server 200 based on the number of mobile credit cards, 1) the mobile credit card with the highest discount rate, or 2) the priority set by the user You can choose one mobile credit card.
  • step S560 does not have a corresponding mobile credit card (S560-N)
  • the processor 220 of the wallet / card management server 200 does not determine the default payment card (S580), that did not determine that Only the result is notified to the mobile device 100 through the communication interface 210 (S550).
  • the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 selects one of the mobile credit cards by default according to its own priority.
  • FIG. 8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
  • the wallet / card management server 200 determines whether today is 20 days later (S620).
  • the processor 220 determines the default payment card by giving priority to the required performance over the discount (S630). That is, when both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card where the usage record is recognized at the location received in step S610 and are less than the current demand' are present, the processor ( 220 determines that the mobile credit card that has failed the required performance is the default payment card.
  • the processor 220 selects one mobile credit card based on a discount rate, an amount of under payment / under rate, or a priority of achievement of required performance.
  • the processor 220 is a mobile with a discount at the location received in step S610 'Credit card' is determined as the default payment card. If there are a large number of mobile credit cards, the processor 220 selects one based on the discount rate.
  • step S620-N determines the default payment card by giving priority to the discount rather than the required performance (S640). In other words, both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card without discount, but at the location received in step S610 are accepted and are currently under the required performance' In this case, the processor 220 determines a mobile credit card having a discount as the default payment card.
  • the processor 220 selects one mobile credit card based on the discount rate.
  • the processor 220 selects one mobile credit card based on a discount rate, a low amount / low rate, or a request achievement achievement priority.
  • the processor 220 of the wallet / card management server 200 reaches the e-wallet application 160 of the mobile device 100 when the demand is less than 25 days. You can guide them to purchase goods / services.
  • the purchase of goods / services should be one that can be recognized as the use of a mobile credit card that has failed the required performance, and essential items (rice, drinking water, soap, etc.) or essential services (public, etc.) in order to avoid meaningless consumption.
  • essential items rice, drinking water, soap, etc.
  • essential services public, etc.
  • Transportation services, schools, fitness services, etc. is recommended.
  • the daily necessities and essential services can be implemented by the user in advance.
  • 20 days mentioned in step S620 of FIG. 8 is exemplary and may be modified on another date.
  • another date may be determined based on the user's credit card usage pattern (ie, the actual credit card payment history of the past user). If the amount of credit card usage is high at the end of the month, the date above which the priority is selected will be determined later. If the amount of credit card usage is low at the end of the month, the date will be earlier.
  • the wallet / card management server 200 assumes the recommendation of the optimal mobile credit card in a manner of notifying one default payment card. For example, it is also possible for the wallet / card management server 200 to notify the electronic wallet application 160 of the mobile device 100 in a list of a plurality of mobile credit cards in accordance with the recommendation priority.
  • the user DB management and the mobile credit card recommendation are handled by the wallet / card management server 200, but it may be modified to be exemplary. For example, it is possible to incorporate these functions into the electronic wallet application 160 of the mobile device 100.
  • the technical idea of the present invention may be applied to other mobile cards (eg, mobile prepaid card, mobile debit card, etc.) other than the mobile credit card.
  • mobile cards eg, mobile prepaid card, mobile debit card, etc.
  • the technical idea of the present invention can be applied to a computer-readable recording medium containing a computer program for performing the functions of the apparatus and method according to the present embodiment.
  • the technical idea according to various embodiments of the present disclosure may be implemented in the form of computer readable codes recorded on a computer readable recording medium.
  • the computer-readable recording medium can be any data storage device that can be read by a computer and can store data.
  • the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like.
  • the computer-readable code or program stored in the computer-readable recording medium may be transmitted through a network connected between the computers.

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Abstract

La présente invention concerne un procédé permettant de recommander une carte de paiement mobile sur la base d'un emplacement d'utilisation de la carte de paiement et d'un historique de paiement, ainsi qu'un serveur de gestion appliquant ce procédé. Le procédé de recommandation de carte de paiement mobile selon un mode de réalisation de la présente invention consiste à déterminer une carte mobile optimale destinée à être utilisée dans le cadre d'un paiement mobile sur la base d'informations d'emplacement d'un dispositif mobile, puis à notifier la carte choisie au dispositif mobile. Grâce à la présente invention, un utilisateur peut tirer un bénéfice potentiel maximal, même sans avoir eu préalablement connaissance d'un magasin affilié qui peut donner des points de récompense pour l'utilisation de la carte ou donner une réduction grâce à la carte.
PCT/KR2014/007794 2013-08-22 2014-08-21 Procédé de recommandation de carte de paiement mobile sur la base de l'emplacement d'utilisation de la carte de paiement et d'un historique de paiement, et serveur de gestion appliquant ce procédé WO2015026184A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2013-0099865 2013-08-22
KR20130099865A KR20150022259A (ko) 2013-08-22 2013-08-22 결제카드 사용 위치 및 과거 결제 내역에 기반한 모바일 결제카드 추천 방법 및 이를 적용한 관리 서버

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WO2015026184A1 true WO2015026184A1 (fr) 2015-02-26

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US10223692B2 (en) 2012-11-28 2019-03-05 Mozido Corfire-Korea, LTD. Method for setting temporary payment card and mobile device applying the same
CN111417973A (zh) * 2018-11-07 2020-07-14 北京嘀嘀无限科技发展有限公司 用于确定支付线上到线下服务的支付方法的方法和系统
US20220156717A1 (en) * 2016-04-06 2022-05-19 Paypal, Inc. Methods and Systems for Contactless Transmission of Transactional Information

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KR102478736B1 (ko) * 2015-08-06 2022-12-19 에스케이플래닛 주식회사 최적 카드 추천 시스템, 결제시점에 따른 가중치 기반의 최적 카드 추천 장치 및 이를 이용한 방법
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KR102461023B1 (ko) * 2015-08-06 2022-11-01 에스케이플래닛 주식회사 사용자 장치, 서비스 제공 장치, pos 단말, 그를 포함하는 결제 시스템, 그의 제어 방법 및 컴퓨터 프로그램이 기록된 기록매체
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