WO2015076604A1 - Method for recommending and issuing card through mobile wallet and system applying same - Google Patents

Abstract

Provided are a method for recommending and issuing a card and a system applying the same. A method for recommending a card according to an embodiment of the present invention recommends a card which is optimal for a user through a simulation on the basis of actual payment information of a card in the possession of the user and card information of other cards. The simulation is performed by a server specialized therefor and thus can be performed for all released cards, thereby being capable of recommending a card optimal for the user's card use pattern.

Description

Card recommendation and issuance method through mobile wallet and system applying it

The present invention relates to card recommendation and issuance, and more particularly, to a method and system for recommending a card such as a credit card or a check card, and issuing it when a user requests it.

Currently, many types of credit cards are available from various credit card companies. Discounts, points, and other benefits offered by released credit cards vary as much as credit card types.

Since each user's credit card usage pattern is different, the benefit of credit card benefits can vary greatly depending on which credit card is used. Accordingly, it is advantageous to use a credit card that is optimal for its usage pattern.

The user should select a credit card that is advantageous to the user. As described above, there are many types of credit cards on the market, and it is impossible for the user to know which credit card provides what benefits. This is hard to be done.

On the other hand, there are services that recommend credit cards through counselors or credit card homepages, but there is a problem of recommending only their own credit cards, and based on the user's statement, not based on the user's actual usage pattern. It is impossible to guarantee the optimality of the recommended credit card.

Thus, current credit card recommendation schemes do not provide users with sufficient drivers to obtain new or replacement credit cards. Thus, this is not only useless for the user, but also beneficial for credit card companies.

The present invention has been made to solve the above problems, an object of the present invention, the card recommendation that recommends the best card for the user through the simulation based on the card information of the actual payment information and other cards of the user owned card It is to provide a method and a system applying the same.

In addition, another object of the present invention is to provide a card issuing method and system applying the same for issuing a mobile when a user requests issuance of a recommended card by analyzing actual payment information acquired through a mobile wallet.

According to an embodiment of the present invention, a card recommendation method includes: receiving payment information for a specific card for a specific period of time; Extracting approval details from the payment information; Calculating a total estimated payment amount for each of the authorizations for each card when the cards other than the specific card are used; Comparing the estimated total payment amounts for each card with the total payment amount of the specific card; And recommending the card based on the comparison result.

In addition, the card recommendation method according to an embodiment of the present invention comprises the steps of: collecting information on the card-ID and the card benefits; Using the collected information, classifying card benefits by card-ID and storing them in a DB (DataBase); And updating at least one of the card-ID and the card benefit in the DB, wherein the calculating step includes calculating, based on the DB, the total estimated payment amount for the authorizations for each card. can do.

In addition, the calculating step may further calculate the total accumulated expected points generated by the authorizations in the case of using the other cards, for each card, and the comparing step, 'by card, total estimated payment amounts, total At least one of expected points, dues, and customer services' may be compared with at least one of the total payment amount, total accumulated points, dues, and customer service of the specific card.

And, the comparing step, it can be compared by converting the earned points and customer service amount.

The recommendation step may include recommending a card based on user preference information, and the user preference information may include at least one of a discount, a point, a fee, and a customer service designated by the user.

The recommendation step may recommend a card while providing the comparison result.

In addition, the card recommendation method according to an embodiment of the present invention, when receiving the issuance request for the card recommended in the recommendation step, delivering the issue request to the card company server of the card; have.

The receiving step may be installed in a mobile terminal and received from a mobile wallet in which the specific card is stored, and the recommending step may recommend a card through the mobile wallet.

In addition, the receiving step may be received from the card company server of the specific card.

On the other hand, according to another embodiment of the present invention, the server, the communication unit for receiving payment information for a specific card for a specific period; And extracting approval details from the payment information, and calculating total estimated payment amounts for the approval details for each card when the cards other than the specific card are used, and calculating the total estimated payment amounts for each of the calculated cards. It includes; card recommendation unit for recommending the card in comparison with the total amount of payment.

On the other hand, according to another embodiment of the present invention, the card recommendation method comprises: receiving information on a recommendation card; And displaying a recommendation card, wherein the recommendation card is extracted from the payment information for a specific card for a specific period of time, and is applied to the approval details when cards other than the specific card are used. The total estimated payment amount for each card is calculated for each card, and the calculated total estimated payment amounts for each card are compared with the total payment amount for the specific card, and the card is recommended based on the comparison result.

The method may further include transmitting payment information regarding the specific card during the specific period, wherein the receiving step may be a response to the transmitting step.

As described above, according to embodiments of the present invention, it is possible to recommend a card through a simulation based on the actual payment information of the card held by the user and the card information of other cards, and the simulation is performed by a server specialized for this. It is possible for all cards released, so that the card that is optimal for the user's card usage pattern can be recommended.

In addition, according to embodiments of the present invention, since the profit that can be generated by the recommendation card is provided in comparison with the actual payment information by the card held by the user, it serves as a powerful driver in allowing the user to be issued a recommendation card. Thus, the marketing effect is excellent.

In addition, according to the embodiments of the present invention, the user can conveniently receive the card recommendation through the mobile wallet, as well as receive the mobile card directly through the mobile wallet, as well as basic information registered in the mobile wallet. By using the mobile card issuance process can be simplified.

1 is a view showing a card recommendation / issuance system to which the present invention is applicable;

2 is a detailed block diagram of the mobile terminal shown in FIG. 1;

3 is a detailed block diagram of the mobile wallet server shown in FIG. 1;

4 is a flowchart provided to explain a process of constructing and updating card information to be used for card comparison / recommendation;

5 illustrates a card table;

6 illustrates a card benefit table;

7 is a flowchart provided to explain a card comparison / recommendation / issuance service providing process;

8 is a diagram illustrating payment information;

9 and 10 are views showing the results of calculating the expected payment amounts and the expected earning points for the other card, and,

11 illustrates a card comparison result, and

12 is a diagram illustrating a card recommendation screen provided through a mobile wallet.

Hereinafter, with reference to the drawings will be described the present invention in more detail.

1. Card Recommendation / Issuance System

1 is a diagram illustrating a card recommendation / issuance system to which the present invention is applicable. The illustrated card recommendation / issuance system recommends the card through the 'mobile wallet application' (hereinafter, abbreviated as 'mobile wallet') 140 installed in the mobile terminal 100 and recommends the card if the user accepts it. Issue a.

Here, the card recommended / issued means all cards that can be used for credit card, check card, and other payment. The card also includes a mobile card as well as a real card (plastic card).

The mobile card, as well as the mobile card issued to the SE (Secure Element) of the mobile terminal 100, as well as the application card (app card) is not issued to the SE card company servers 400-1, 400-2,. ..., 400-n) may also include a mobile card of the type used.

As shown in FIG. 1, the card recommendation / issuance system to which the present invention is applicable includes a mobile terminal 100, a mobile wallet server 200, a trusted service manager (TSM) system 300, and card company servers 400. -1, 400-2, ..., 400-n) are constructed to be connected to each other.

The mobile terminal 100 is a terminal carried by a user who has a mobile wallet 140 installed. A mobile card may be issued to the mobile terminal 100.

The mobile wallet server 200 is a server operated by a service provider that provides a mobile wallet service to a user through the mobile wallet 140 installed in the mobile terminal 100.

The mobile wallet service includes, in addition to basic services such as 1) mobile card issuance / management, 2) mobile membership issuance / management, and 3) mobile coupon issuance / management, 4) card comparison / recommendation / issuance services.

The TSM system 300 issues a mobile card to the SE of the mobile terminal 100 using a mobile communication network by delegation of the card company servers 400-1, 400-2, ..., 400-n. It is a system operated by a service provider.

The SE-based mobile card is issued to the SE of the mobile terminal 100 by the TSM system 300, but the application card (app card) is the card company servers 400-1, 400-2, ..., 400- n) directly register / manage. On the other hand, physical cards are issued by card companies and mailed to users.

Card company servers 400-1, 400-2, ..., 400-n are servers operated by a card company to provide card-related services. It is assumed that card companies include banks and other financial institutions that can provide card related services in addition to credit card companies.

2. Mobile terminal

2 is a detailed block diagram of the mobile terminal 100 shown in FIG. As shown in FIG. 2, the mobile terminal 100 includes a communication unit 110, a touch screen 120, a processor 130, an SE 150, and a storage unit 170.

The communication unit 110 is a means for accessing a communication network for mobile communication and wireless Internet. The mobile wallet server 200, the TSM system 300, and the card company servers 400-1, 400-2,. -n) Establish and maintain a communication connection with

The touch screen 120 functions as a display on which visual information is displayed, and receives a user command based on a graphical user interface (GUI) and transmits the user command to the processor 130.

In relation to the present embodiment, the touch screen 120 is used to display an execution screen of the mobile wallet 140 and to receive a user command for the mobile wallet 140 from the user.

In addition to controlling the overall operation / function of the mobile terminal 100, the processor 130 executes the mobile wallet 140 to allow the user to receive a mobile wallet service by the mobile wallet server 200.

The SE 150 is a storage medium in which the SE-based mobile card 160 is issued and stored, and includes a universal subscriber identity module (USIM), a universal IC card (UICC), an embedded-SE (e-SE), and an SD card (Secure). Digital Card).

In FIG. 2, the mobile card 160 is illustrated as one, which is for convenience of explanation and understanding. Of course, the SE 150 may be issued with a plurality of mobile cards.

The storage unit 170 is a storage medium in which information necessary for providing a mobile wallet service through the mobile wallet 140 is stored.

3. Mobile Wallet Server

3 is a detailed block diagram of the mobile wallet server 200 shown in FIG. 1. As shown in FIG. 3, the mobile wallet server 200 includes a communication unit 210, a card information management unit 220, a service providing unit 230, a card recommending unit 240, and a DB 250.

The communication unit 210 establishes and maintains a communication connection with the mobile terminal 100, the TSM system 300, and the card company servers 400-1, 400-2, ..., 400-n.

The card information management unit 220 collects card information by interacting with the card company servers 400-1, 400-2,..., 400-n, and the card table 260 based on the collected card information. The card benefit table 270 is created and stored in the DB 250.

Collection of card information by the card information management unit 220 is performed periodically, thereby accompanied by periodic updates to the card table 260 and the card benefit table 270.

A process of creating and updating the card table 260 and the card benefit table 270 by the card information management unit 220 will be described later in detail with reference to FIGS. 4 to 6.

The service provider 230 interacts with the mobile wallet 140 of the mobile terminal 100 to provide the aforementioned basic mobile wallet services (mobile card, mobile membership, mobile coupon issuance / management).

The card recommendation unit 240 provides a card comparison / recommendation / issuance service through the mobile wallet 140 of the mobile terminal 100. The card comparison / recommendation / issuance service process by the card recommendation unit 240 will be described later in detail with reference to FIGS. 7 to 11.

The above-described card table 260 and the card benefit table 270 are stored in the DB 250.

4. Card Information Construction Process

Hereinafter, a process of creating and updating the card table 260 and the card benefit table 270 by the card information management unit 220 of the above-described mobile wallet server 200 will be described in detail with reference to FIGS. 4 to 6. do.

4 is a flowchart provided to explain a process of constructing and updating card information to be used for card comparison / recommendation.

As shown in FIG. 4, first, the card information management unit 220 collects 'card information' from the card company servers 400-1, 400-2,..., 400-n (S510).

'Card information' in step S510 is divided by card. And, typically, multiple cards are released from one card company.

Therefore, 1) Card-11, Card-12 and Card-13 are released by Card Company-1, and 2) Card-21 and Card-22 are released by Card Company-2, ..., n) If the card-n1, the card-n2 and the card-n3 are released by the card company-n, the card information management unit 220, 1) the card-11 from the card company server-1 (400-1). Collects card information for card-12, card information for card-12 and card information for card-13, and 2) card information for card-21 and card-22 for card-21 from card company server-2 (400-2). ..., n) collects card information for card-n1, card information for card-n2, and card information for card-n3 from card company server-n (400-n).

Meanwhile, the 'card information' includes information on 'card-id', 'card-name', 'card-company' and 'card benefits'. 'Card benefits' includes information on 'discount rate' and 'accumulation rate'. Since 'discount rate' and 'accumulation rate' are different for each merchant, they are linked to 'merchant-ID' and 'merchant-name'.

In other words, the 'card benefits' is matched with 'merchant-ID', 'merchant-name', 'discount rate' and 'earning rate'. For example, the card benefit of the card-n3 matches that the discount rate is 10% at the merchant where the merchant-ID is SKN0001 and the merchant-name is an SK gas station. Can be.

In addition, the discount rate and the reserve rate may include conditions. For example, discounts / earnings may be included, such as a discount available only on Wednesday or a limit of 10,000 points.

Thereafter, the card information management unit 220 extracts the card-ID, the card-name and the card-company from the card information collected in step S510, creates a card table 260, and stores it in the DB 250 ( S520).

5 illustrates a card table 260 created through step S520. As illustrated in FIG. 5, in the card table 260, card-ID, card-name, and card-company are matched one-to-one.

Next, the card information management unit 220 extracts the card benefits from the card information collected in step S510, creates a card benefit table 270 by dividing by card-ID, and stores the card benefits table 270 in the DB 250 (S530). .

6 illustrates a card benefit table 270 created through step S530. As illustrated in FIG. 6, in the card benefit table 270, card benefits are matched by card-ID in order of 'merchant-ID', 'member-name', 'discount', and 'estimation rate'.

On the other hand, the card information is changed from time to time in accordance with the policy of the card companies. Accordingly, even after the card table 260 and the card benefit table 270 are built in the DB 250, the card information management unit 220 is the card company servers 400-1, 400-2, ..., 400 (n) Periodically re-collect 'card information' from (n).

The card information manager 220 updates the card table 260 and the card benefit table 270 stored in the DB 250 based on the card information re-collected in step S540 (S550).

5. Card Comparison / Recommendation / Issuance Process

Hereinafter, a card comparison / recommendation / issuance service providing process by the card recommendation unit 240 described above will be described in detail with reference to FIGS. 7 to 11. 7 is a flowchart provided to explain a card comparison / recommendation / issuance service providing process.

As shown in FIG. 7, the card recommendation unit 240 first receives payment information of the mobile card 160 for a specific period from the mobile wallet 140 of the mobile terminal 100 (S610). 8 illustrates payment information received through step S610.

Since the mobile card 160 is stored and managed in the mobile wallet 140, since the mobile wallet 140 holds the payment information of the mobile card 160, the mobile wallet 140 provides the payment information in step S610. It is possible to do

If the mobile wallet 140 does not hold the payment information of the mobile card 160, the card company server 400-1, 400-2, .. 400-n), the payment information may be obtained and provided to the card recommendation unit 240 of the mobile wallet server 200.

On the other hand, in the case of an application card or a real card, the card recommendation unit 240 obtains payment information from the card company server 400-1, 400-2, ..., 400-n, not the mobile wallet 140. By doing so, it is necessary to modify the step S610.

Furthermore, even in the case of the mobile card 160 recorded and managed in the mobile wallet 140, the card recommendation unit 240 does not use the mobile wallet 140 but the card company server 400-1 and 400 for the payment information therefor. -2, ..., 400-n).

Next, the card recommendation unit 240 extracts the 'authorization history' from the payment information received through the step S610 (S620). The approval history includes information about the merchant and the approved amount.

The information on 'merchant' includes 'merchant-ID' and 'merchant-name'. The approved amount is the amount before the discount is applied. If the discount is applied, it is different from the settled amount. This can be confirmed through the 'approval amount' and 'payment amount' for the merchants whose 'Merchant-ID' of FIG. 8 is "OB0001" and "SKN0001".

Thereafter, the card recommender 240 refers to the card benefit table 270 stored in the DB 250, and estimates the amount of payment for the authorizations for each card other than the mobile card 160. And the expected earned points are calculated (S630).

9 shows the results of calculating the expected payment amounts and the expected accumulation points for the "Hana SK Family Card" having the "Card-ID" "H001". FIG. 10 shows the results of calculating the expected payment amounts and the expected accumulation points for the “Shinhan Good Card” having the “Card-ID” of “S001”.

Although not illustrated through the drawings, the calculation of the estimated payment amounts and the expected accumulation points in step S630 is all the cards listed in the card table 250 (see FIG. 5) stored in the DB 250. Is performed for. That is, for cards having 'K-ID', 'K002', 'H002', ..., 'expected payment amounts and expected earned points' are calculated as illustrated in FIGS. 9 and 10. do.

Next, the card recommendation unit 240 compares the expected payment amount for each card and the expected earned points calculated through the step S630, and selects a card advantageous to the user (S640).

Cards that are advantageous to the user are: 1) the total estimated payment amount is less than the total amount of payment of the mobile card 160, and the total estimated points earned is more than the total amount of accumulated points of the mobile card 160. Many say cards.

11 illustrates the card comparison result by the card recommendation unit 240 in step S640. As shown in FIG. 11, both the "Hana SK Family Card" and the "Shinhan Good Card" both have a total estimated amount smaller than the total amount of the payment of the mobile card 160, and the total estimated points earned. Can confirm that the mobile card 160 is more than the 'full earned points'. Therefore, both "Hana SK Family Card" and "Shinhan Good Card" are both favorable cards for the user.

On the other hand, if only one of the above '1)' and '2)' is met, it is not possible to determine whether the card is advantageous to the user. Therefore, the amount of the total estimated points earned is deducted from the total estimated amount. The total amount of credit points of the card 160 may be converted into an amount, and the amount may be determined by comparing the amount deducted from the total amount of payment of the mobile card 160.

The rate of converting points into amounts may be different for each card point. For example, in the case of a card with the "Card-ID" of "H0001", "30 points" is converted into "20 won" (3: 2 points conversion rate), whereas the card with the "Card-ID" of "S0001" In this case, "10 points" may be converted into "10 won" (point conversion ratio 1: 1). Information on the conversion rate may be included in the card table 260.

Meanwhile, in step S640, m (m≥1) cards are selected, and m cards are preferably selected in the order of 'the amount calculated by subtracting from the total estimated payment amount by converting the total estimated accumulation points into amounts.'

Thereafter, the card recommendation unit 240 recommends the selected cards to the user through the mobile wallet 140 while providing a comparison result between the cards selected in step S640 and the mobile card 160 (S650).

Since the card-name should be provided together with the card recommendation, the card table 260 is referred to in step S650.

12 illustrates a card recommendation screen provided through the mobile wallet 140. As shown in FIG. 12, the card recommendation screen displays information on the amount of money that can be gained by the recommendation card as a result of the card comparison.

In addition, although not shown in FIG. 12, the card recommendation screen may further display points that can benefit from the recommendation card, and in this case, the points may be converted into an amount so as to enable a substantial comparison.

Meanwhile, as shown in FIG. 12, the card recommendation screen provided through the mobile wallet 140 is provided with a "get issuance" button, and the user may apply for issuing a recommendation card by touching it.

When the recommendation card issuance request is received from the mobile wallet 140 (S660-Y), the card recommendation unit 240 is a card company server 400-1, 400-2, ..., 400- of the requested recommendation card issuance. n) delivers the received card issuance request (S670).

As a result, a card issuing procedure is started. 1) In the case of a mobile card, the TSM system 300 performs a mobile terminal (by delegation of the card company servers 400-1, 400-2, ..., 400-n). 2) The physical card is issued by the card company and mailed to the user.

On the other hand, in the case of "1), the basic information necessary for issuing the mobile card may be automatically referred to the basic information registered in the mobile wallet 140, thereby simplifying the user's input behavior in the issuing process.

6. Modifications

Up to now, the method and system for recommending a card through the mobile wallet 140 and issuing a recommendation card in response to a user's request have been described in detail with reference to a preferred embodiment.

In the above embodiment, in selecting / recommending a card advantageous to the user, only the payment amount and the accumulation point are assumed, but this is merely an example for the convenience of understanding and explanation. Thus, it is possible to further select / recommend the card by referring to other factors such as dues or customer service (e.g., valet parking service, amusement park free entrance service, etc.).

Even in this case, it is preferable to refer to the card selection / recommendation by converting the customer service into an amount (for example, 10,000 won for valet parking service and 20,000 won for free amusement park service).

Furthermore, in selecting / recommending a card advantageous to the user, the card may be implemented by referring to the user's preference information. For example, if the user prefers a discount, the card is selected / recommended by weighting the discount, and if the user prefers the valet parking service, a high conversion rate is applied when converting the valet parking service into an amount. The preference information of the user may be implemented to be input through the mobile wallet 140.

On the other hand, in selecting / recommending cards advantageous to the user, it is also possible to recommend multiple card groups. For example, if Card-1 and Card-2 are recommended as a group, and you use Card-2 to pay off authorizations that do not benefit from using Card-1, which turns out to be the most favorable for you, This can be recommended if it is advantageous in terms of benefits over using -1 alone (ie there are many benefits).

In addition, in the embodiment of the present invention, it is assumed that the mobile wallet server 200 operated by the mobile wallet service provider performs card comparison / recommendation, but through a server operated by a service provider other than the mobile wallet service provider. Even when performing card comparison / recommendation, the technical idea of the present invention may be applied.

On the other hand, 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. In addition, 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. For example, 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. In addition, the computer-readable code or program stored in the computer-readable recording medium may be transmitted through a network connected between the computers.

In addition, although the preferred embodiment of the present invention has been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

Claims (12)

1. Receiving payment information for a specific card for a specific period of time;

   Extracting approval details from the payment information;

   Calculating a total estimated payment amount for each of the authorizations for each card when the cards other than the specific card are used;

   Comparing the estimated total payment amounts for each card with the total payment amount of the specific card; And

   And recommending the card based on the comparison result.
2. The method of claim 1,

   Collecting information regarding the card-ID and card benefits;

   Using the collected information, classifying card benefits by card-ID and storing them in a DB (DataBase); And

   Updating at least one of the card-ID and the card benefit in the DB;

   The calculating step,

   Referring to the DB, the card recommendation method characterized in that for calculating the total estimated payment amount for the authorization for each card.
3. The method of claim 1,

   The calculating step,

   In the case of using the other cards, the total estimated credit points generated by the authorizations are further calculated for each card,

   The comparing step,

   'At least one of each card, total estimated payment amount, total estimated points, dues and customer service' and 'at least one of the total amount of payment, total accumulated points, dues and customer service of the specific card' Card recommendation method characterized in that the comparison.
4. The method of claim 3, wherein

   The comparing step,

   Card recommendation method, characterized in that compared to the amount of points earned and customer service.
5. The method of claim 3, wherein

   The recommendation step is

   Recommend cards based on user preferences.

   The user preference information,

   And at least one of a discount, a point, a fee, and a customer service designated by the user.
6. The method of claim 1,

   The recommendation step is

   A card recommendation method comprising recommending a card while providing the comparison result.
7. The method of claim 1,

   And receiving an issue request for the card recommended in the recommendation step, transmitting the issue request to a card company server of the card.
8. The method of claim 1,

   The receiving step,

   Received from the mobile wallet installed in the mobile terminal, the specific card is stored,

   The recommendation step is

   Card recommendation method, characterized in that to recommend a card through the mobile wallet.
9. The method of claim 1,

   The receiving step,

   Card recommendation method, characterized in that received from the card company server of the particular card.
10. Communication unit for receiving payment information for a specific card for a specific period; And

    Extracting authorizations from the payment information, calculating total estimated payment amounts for the authorizations for each card when the cards other than the specific card are used, and calculating the total estimated payment amounts for each of the specific cards. Server recommendation unit for recommending the card compared to the total payment amount; server comprising a.
11. Receiving information about the recommendation card; And

    Displaying a recommendation card;

    The recommendation card mentioned above,

    Authorizations are extracted from payment information for a specific card for a specific period, and when the cards other than the specific card are used, the total estimated payment amount for the authorizations is calculated for each card, and the estimated total for each card is calculated. The card recommendation method, characterized in that the payment amount is a card compared with the total payment amount of the particular card, and recommended based on the comparison result.
12. The method of claim 11,

    Transmitting payment information for the specific card during the specific period;

    And the receiving step is a response to the transmitting step.

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