WO2015108311A1 - 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템 및 그 제공 방법 - Google Patents
카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템 및 그 제공 방법 Download PDFInfo
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- WO2015108311A1 WO2015108311A1 PCT/KR2015/000312 KR2015000312W WO2015108311A1 WO 2015108311 A1 WO2015108311 A1 WO 2015108311A1 KR 2015000312 W KR2015000312 W KR 2015000312W WO 2015108311 A1 WO2015108311 A1 WO 2015108311A1
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- card
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Definitions
- the present invention relates to a card benefit providing system and a method of providing the same by automatically adjusting and applying the contents of card benefits provided to a member by reflecting card usage information for each card member.
- the card customer In order for the card customer to receive the benefit of the card more advantageously to the user, he or she can identify the consumption tendency of himself, find a card that is suitable for him, change the type of the card used, or change the content of the card benefit that he / she can receive.
- the benefit management server automatically adjusts and applies the benefit rate (discount rate or earning rate) that the user receives according to the user's card usage history information, and provides the card benefit accordingly, thereby pre-set card benefits Benefits are automatically adjusted for high consumption items Benefits are automatically adjusted low for consumption items that generate high and low consumption, so that the user can do no research on card benefits, self-consumption, analysis of consumption patterns, issue new cards, access the card server Provides card benefits that automatically adjust card benefits for each customer by reflecting card usage information to reflect card usage information so that they can enjoy more economical card use services without any action such as changing benefits. A system and a method of providing the same.
- Card companies are offering various additional services in a more differentiated and new way to induce the use of their cards to customers with a large number of cards, and in particular, they are developing and expanding customer-oriented services.
- card customers can check various card benefits by referring to advertisements of card companies, and compare them with each other, and analyze their consumption patterns in a rough way, and then receive more benefits. You choose a card that you expect to be.
- the consumer should check and compare the benefits of the multiple cards provided by the multiple credit card companies, and he / she shall make an effort to grasp his own consumption pattern, and judge and select a card that is deemed appropriate. There is a difficulty to do.
- the content of benefits provided to the card user (benefit items available for consumption, merchants, discount rate, earning rate, etc.) at the time of card sign-up, or consumers directly It is set to change the benefit provision item after connecting to the server.
- the customer receives the benefit and the specific benefit content is set in advance before the consumer pays with the card, and once set, it remains fixed regardless of the consumer's consumption behavior.
- the consumer is provided with the card benefits in the order of applying the benefits at the time of 1 1 set the card benefits, 2 set the card benefits, when the card payment,
- Recent advances include: 3 setting a card benefit at the time of enrollment of a particular card, 4 applying a benefit at the time of card payment, 5 the consumer is aware of the need to change the benefit of the card he uses, Change, 7 When you pay the card, the order to apply the changed card benefits are provided with the card benefits.
- the consumer recognizes the need to change the benefit of the card he or she uses and directly Since the benefits must be changed by accessing the card company's server, if such efforts are not made, the preset card benefits are also less useful.
- a user's integrated card stores information on a plurality of credit cards.
- the present invention discloses a credit card payment system and a credit card payment method for automatically selecting and paying an optimal credit card that has approved the payment amount of the affiliated store when the integrated card is settled.
- the object of the present invention is to determine the consumer's own propensity to consume the card benefits to consumers (users, card customers) more advantageous to me
- the user can provide the card according to the user's card usage history information on the benefit management server without the need to find the appropriate card, change the type of the card used, or change the content of the card benefit that can be provided by the user.
- the benefit rate paid rate or earning rate
- the card user can automatically adjust the benefit for the consumption items that have high consumption costs among the preset card benefits.
- the card benefit providing system for automatically adjusting card benefits for each customer by reflecting card usage information according to an embodiment of the present invention, in connection with a payment operation through a card possessed by a customer who wants to automatically adjust card benefits
- Benefit management server including a benefit control unit 110 for controlling and controlling the card benefits provided in accordance with the usage history information, and a history information database unit 120 for storing and managing the database of the customer's card usage information for each customer It characterized by including).
- the benefit control unit 110 of the benefit management server 100 analyzes the amount of use for each of a plurality of preset consumption items using the card usage history information, and then, according to the amount of use for each of the plurality of consumption items, provides a card benefit. It is characterized by automatically adjusting the card benefits for each customer by reflecting the card usage information characterized in that the adjustment.
- the benefit control unit 110 of the benefit management server 100 divides the spending amount of each of the plurality of consumption items into a predetermined section, and provides a card benefit corresponding to the section corresponding to the use amount of the plurality of consumption items. Automatically adjust card benefits for each customer by reflecting card usage information, which provides card benefits by applying a rate.
- the card benefit is repeatedly increased by a preset value. If the amount of use of each of the consumption items is less than a predetermined value, the card benefit is preset. Decrease it by a value, or
- the discount amount according to the card benefit pattern which is different from the discount amount according to the current card benefit pattern is compared by comparing the discount amount according to the current card benefit pattern with the discount amount according to another card benefit pattern adjusted and provided for each of the plurality of consumption items. If greater than a predetermined amount, it is characterized in that the card benefits are adjusted to the corresponding other card benefit pattern.
- the benefit control unit 110 of the benefit management server 100 is connected to the benefit management server 100 via a network, the wireless terminal (1) that the customer possesses the current card benefit information and the plurality of consumption It is characterized by delivering the expected card benefit information provided adjusted to the item and the estimated discount amount according to the adjusted card benefits.
- the card benefit providing system for automatically adjusting the card benefits for each customer by reflecting the card usage information is connected through the network with the benefit management server 100, the predetermined period or according to an external request, the benefit management Further comprising a backup server 200 for backing up the information stored in the server 100 and a security server 300 for protecting the information stored in the benefit management server 100 in accordance with a predetermined security policy It is characterized by.
- the card benefit determination step (S200) analyzes the amount of use for each of a plurality of preset consumption items using the card usage history information, and then adjusts the card benefits according to the amount of use for each of the plurality of consumption items. By dividing the use amount of each of the plurality of consumption items into a predetermined section, by applying a card benefit provision rate corresponding to the section corresponding to the use amount of each of the plurality of consumption items to provide card benefits,
- the card benefits are adjusted according to the use amount for each of the plurality of consumption items, and the use amount for each of the plurality of consumption items is preset. If the value is greater than or equal to a predetermined value, the card benefit is repeatedly increased by a predetermined set value, and when the amount used by each of the plurality of consumption items is less than the predetermined value, the card benefit is repeatedly reduced by a predetermined setting value to adjust the card benefit. do or,
- the card benefits are adjusted according to the use amount of each of the plurality of consumption items, the discount amount according to the current card benefit pattern, and Compare the discount amount according to the different card benefit pattern adjusted and provided by a plurality of consumption items, and if the discount amount according to the other card benefit pattern is larger than the discount amount according to the current card benefit pattern, the corresponding other card It is characterized by determining the card benefits by adjusting the benefit pattern.
- the optimal card benefit derived from the card is set as a new benefit that the customer can enjoy.
- the card benefits are set to be 3% off or paid for the affiliates affiliated with the card company, the consumption of coffee in January and February by a specific consumer If the amount is 100,000 won, the consumer will receive a discount of 3,000 won (3% of 100,000 won) in January and February.
- the card benefit providing system and the method of providing the same automatically reflecting the card benefits for each customer by reflecting the card usage information of the present invention even in the above example, even if the January card benefits are the same as 3,000 won (3% of 100,000 won) If the amount of 100,000 'Coffee' in January is estimated to be a 2% increase in the benefit rate according to the system and the method of provision, the card benefit rate in February that the customer can receive is automatically raised to 5%. As a result, it can be adjusted to 5000 won (5% of 100,000 won), so compared with the conventional method, the customer can obtain economic benefits equivalent to 2,000 won without any effort on the 'coffee' consumption items in February. The effect is to get an increase.
- the card company automatically adjusts the benefit rate without requesting a separate card or request for a benefit change, so that the benefit of the card that is widely or widely consumed by the user is frequently or frequently consumed by the card company. It is possible to concentrate the profits and increase the benefit rate, thereby maximizing the effectiveness of consumption.
- the cost of providing a benefit may be increased in the early stage of the method of the newly disclosed system, but by automatically adjusting the benefit rate by quickly reflecting the user's propensity to consume the card.
- consumers will recognize the benefits of the system and invention, “the more you use, the more you will benefit.” It is expected to boost consumption and enhance card company loyalty.
- FIG. 1 is a diagram schematically illustrating a card benefit providing system for automatically adjusting card benefits for each customer by reflecting card use information according to an embodiment of the present invention.
- FIG. 2 is a detailed diagram illustrating a card benefit providing system for automatically adjusting card benefits for each customer by reflecting card use information according to an embodiment of the present invention.
- FIG. 3 is a diagram illustrating a card benefit providing system for automatically adjusting card benefits for each customer by reflecting card use information according to another embodiment of the present invention.
- FIG. 4 is a flowchart illustrating a card benefit providing method for automatically adjusting card benefits for each customer by reflecting card use information according to an exemplary embodiment of the present invention.
- the set collection period Representing a card benefit providing method for automatically adjusting the card benefits for each customer by reflecting the card usage information according to another embodiment of the present invention that can extract and provide new card benefits based on the extracted my card payment information Flowchart.
- FIG. 6 is not only the amount of the card payment, but also reflects the use of the card according to another embodiment of the present invention that can provide a new card benefits using information such as card payment number, card payment location, etc.
- a system is a set of components including devices, instruments, means, and the like that are organized and regularly interact to perform the necessary functions.
- FIG. 1 is a diagram illustrating a card benefit providing system for automatically adjusting card benefits for each customer by reflecting card use information according to an embodiment of the present invention. Referring to Figure 1 will be described in detail the card benefit providing system for automatically adjusting the card benefits for each customer by reflecting the card usage information according to an embodiment of the present invention.
- Card benefit providing system for automatically adjusting the card benefits for each customer by reflecting the card usage information is a network, the benefits management server 100, the backup server 200 and the security server 300 It may be made of.
- the benefit management server 100 may include a benefit controller 110 and a payment information database unit 120.
- the benefit control unit 110 of the benefit management server 100 performs a card payment operation at a card merchant by using a credit card or a check card possessed by a user (customer, card user) who wants to automatically adjust a card benefit.
- the benefit control unit 110 may control the card benefits provided according to the card usage history information.
- the payment information database unit 120 may store and manage a user's card usage history information as a database for each user.
- the payment information database unit 120 analyzes the amount of use for each preset consumption item (A consumption item, B consumption item%) using the card usage history information. Then, the benefit control unit 110 may automatically adjust the card benefits according to the use amount of each of the plurality of consumption items.
- the benefit control unit 110 determines which consumption item among a plurality of pre-set consumption items is settled. By analyzing the amount of payment for each user can determine the card consumption tendency of the user, it can be provided by adjusting the card benefits accordingly.
- Table 1 summarizes the card payment history and the card benefit benefit amount of the virtual A consumer for 6 months, which is based on a conventional card benefit providing system and method, and as described above, the card benefit rate is fixed.
- Table 2 above shows the result of the card benefit providing system that automatically adjusts the card benefits for each customer by reflecting the card usage information according to an embodiment of the present invention, and features the current month card at monthly intervals.
- the card benefit rate was changed to reflect the usage history information, and the card benefit history and card benefit amount were summarized by applying the changed benefit rate in the following month.
- Table 1 shows that a fictitious A consumer paid 4% of the card amount by paying for the 'Travel / Accommodation' spending item in January and February, but from March to June Despite no card payments, the benefit rate is still fixed at 4%. In the case of no consumption, no matter how high the benefit rate is applied, the economic benefit that consumers get is only zero.
- Table 2 by the card benefit providing system that automatically adjusts the card benefits for each customer to reflect the card use information according to an embodiment of the present invention is applied by automatically changing the benefit rate on a monthly basis.
- the benefit rate was gradually lowered to April as there was no consumption of this item from January to March.
- the benefit rate of 'oiling costs' consumption items is gradually being raised in May and June.
- the benefit control unit 110 of the benefit management server 100 is used by the plurality of consumption items by using the use amount of each of the plurality of consumption items for a predetermined period of time in the card company for the card benefit automatic adjustment service If the amount is greater than or equal to a predetermined value, the card benefits are repeatedly increased by a preset value, and when the amount of consumption for each of the plurality of consumption items is less than the predetermined value, the card benefits are repeatedly reduced by a preset value to thereby provide a card benefit. Can be adjusted.
- the preset period is set to one month, and the payment statistics unit 112 is provided according to the set value and the predetermined value input from the conditional unit 111 of the benefit control unit 110.
- the card benefits can be adjusted, and by using the benefit output unit 113 and the benefit setting unit 114, the card benefits of the user can be newly applied and provided.
- the useless benefit is automatically reduced because the benefit rate is fixed even though the item is not consumed. It is supposed to be.
- the benefit rate is raised in the items that consume a lot, providing more benefits to the items that consume much according to the needs of the consumer, which not only maximizes the economic utility of the consumer card payment but also the future. Brings the effect of encouraging consumption.
- the payment statistic unit 112 reflects card usage history information in units of one day or less, and further, in real time, according to the setting value and the predetermined value received from the conditional unit 111.
- the card benefits can be adjusted, and by using the benefit output unit 113 and the benefit setting unit 114, the user can quickly and automatically change the card benefit rate.
- the benefit control unit 110 may further include a benefit integrating unit 115 to integrate the card benefits that are adjusted in units of one day or less, and moreover in real time, and may be applied as the user's card benefit rate. have.
- the card benefits can be adjusted by setting the past 30 days, 60 days, 90 days, 180 days, etc. on the basis of the point of time when the collection period of the card usage history information is to be adjusted.
- it is difficult to determine the reliable card usage pattern information for the user. Therefore, the information for the period enough to accumulate the data on the user's credit card or payment habits using the check card is accumulated. It is desirable to establish.
- the benefit rate is maintained even though the consumption does not occur. Since it is fixed, useless benefits are automatically reduced. On the contrary, the benefit rate is raised in the items that consume a lot, providing more benefits to the items that consume much according to the needs of the consumer, which can maximize the economic utility of the consumer credit card fastest. It has an effect.
- the payment information database unit 120 in addition to the payment amount is adjusted as compared with the card benefit rate being adjusted by the amount of the payment amount of the card usage information.
- the payment amount database unit 121 By subdividing and managing the payment amount database unit 121, the payment number database unit 122 and the payment position database unit 123, and managing, and storing the card usage information other than the payment amount, for example, the same item number of payments or payment position May be used as a condition to control card benefits.
- the card benefit rate may be adjusted upward to receive additional benefits.
- the merchant location where payment for the 'coffee' consumption item is concentrated is concentrated in one place, it may be determined that consumption is repeatedly generated in the same region, and the card benefit rate may be further increased.
- the consumer's card consumption is likely to be more likely on that day, providing more favorable benefits for the consumer. You can also adjust the benefit rate for certain days of the week.
- the card benefit providing system that automatically adjusts card benefits for each customer by reflecting card use information according to the first to third embodiments of the present invention may compare the discount amount according to the current card benefit pattern with the discount amount according to another card benefit pattern. If the difference in the discount amount is greater than the predetermined amount set by the card company that wants to automatically adjust the card benefits, it can be provided by adjusting to the card benefit pattern that can receive a higher discount amount.
- the benefit control unit 110 of the benefit management server 100 is a discount amount according to the current card benefit pattern and a discount amount based on another card benefit pattern for a period preset by the card company that wants to automatically adjust the card benefit.
- the benefit control unit 110 of the benefit management server 100 is a discount amount according to the current card benefit pattern and a discount amount based on another card benefit pattern for a period preset by the card company that wants to automatically adjust the card benefit.
- the card benefit is adjusted to the corresponding card benefit pattern by adjusting the card benefit to the corresponding card benefit pattern. Can provide.
- the card benefit pattern means a pattern in which card benefits are fixed based on a card main benefit preset by a card company that wants to automatically adjust card benefits.
- the A benefit pattern is shopping-oriented and B benefit.
- the pattern is oil-based
- the C-benefit pattern is education-oriented
- the D-benefit pattern is leisure-oriented, and the rate of providing benefits by consumption items may be fixed.
- the predetermined period and the predetermined amount for comparing the card main benefit pattern and the card benefit pattern may be changed according to the setting of the card company that wants to automatically adjust the card benefit.
- the card benefit auto-adjustment service uses the user's card usage pattern information according to the request of the card company that wants the card benefit auto-adjustment service, at the request of the user who wants the card benefit auto-adjustment service, or at predetermined intervals.
- the card benefit automatic adjustment service may be performed.
- the benefit control unit 110 of the benefit management server 100 is a wireless terminal 1 that is registered in advance due to the user who wants to automatically adjust the card benefits service, the discount currently being provided by the user, credit card benefits Can be delivered as a text message (SMS, MMS, etc.). Due to the analysis of the consumption propensity of the user of the benefit control unit 110, the estimated discount or the card benefit of the credit can be delivered together.
- the wireless terminal 1 on the first payment date after the card benefits for specific consumption items are changed the user may actually save the amount due to the automatic card benefit adjustment service or The accumulated mileage can be delivered as a text message, and through this, the user can feel that the card benefit automatic adjustment service is actually made, and thus, there is an advantage of easily checking the card benefits provided.
- the card benefit providing system for automatically adjusting the card benefits for each customer by reflecting card usage information may further include a backup server 200 and a security server 300.
- the backup server 200 backs up information stored in the benefit management server 100 according to a preset cycle or an external request, that is, user's card usage information which is databased for each customer, Even if a problem occurs in the benefit management server 100 in an accident, it is possible to easily provide a customized card benefits automatic adjustment service optimized for the card usage history information for each customer continuously.
- the security server 300 arbitrarily accesses the network by using a separate means, there is a risk of leaking not only the card usage history information of the user, which is personal information, but also the information of the credit card or the check card.
- the network connection and the information may be controlled according to a security policy preset at 300.
- FIG. 4 is a flowchart illustrating a card benefit providing method for automatically adjusting card benefits for each customer by reflecting card use information according to an exemplary embodiment of the present invention. Referring to Figure 4 will be described in detail the card benefit providing method for automatically adjusting the card benefits for each customer by reflecting the card usage information according to an embodiment of the present invention.
- the card payment step (S100) may perform a payment operation at a card merchant using a credit card or a check card possessed by a user who wants to automatically adjust a card benefit.
- the card benefit determination step (S200) may be determined by adjusting the card benefit in accordance with the card usage history information by the card payment step (S100) in the benefit control unit 110 of the benefit management server 100. .
- the card benefit providing step S300 may be provided as a card benefit determined by the card benefit determining step S200.
- the card benefit determination step (S200) can be determined by adjusting the card benefits through the above-described first to third embodiments.
- the consumer when a user who wishes to automatically adjust the card benefits service is used to make payments using a credit card or a check card, the consumer (user, card customer) is required to provide himself with the benefits of the card more advantageously. Identify your spending preferences, find the right card, change the type of cards you use, or change the content of the card benefits you can receive, without the hassle of changing your card usage history. According to the effect, the user can automatically adjust and apply the benefit rate (discount rate or reserve rate) provided, and receive the card benefits accordingly.
- the benefit rate paid rate or reserve rate
- the card benefit providing method for automatically adjusting the card benefits for each customer by reflecting the card usage information according to an embodiment of the present invention, as shown in Figure 5, the time to adjust the card benefits of the user is made After setting in advance, in order to derive a new card benefit by reflecting the card payment history for a certain period of time, after setting a specific period to reflect the card payment history, the card payment information within the set collection period Based on this, new card benefits can be derived and provided.
- the card payment step (S100) may further comprise a period setting step (S10) of setting the collection period of the card benefit adjustment time and the card usage history information.
- the payment operation by the card payment step (S100) may be performed.
- the card benefit determination step (S200) is to store and manage the database using the card usage history information by the card payment step (S100) in the payment information database unit 120,
- the benefit control unit 110 determines whether the card benefit adjustment time set by the period setting step (S10) has been reached,
- the card use history information may be extracted to derive a new card benefit.
- the card benefit providing step S300 may be provided as a card benefit newly determined by the card benefit determining step S200.
- the card benefit providing system for automatically adjusting the card benefits for each customer by reflecting the card usage information according to an embodiment of the present invention, and the method of providing the credits possessed by the user in the benefit management server 200
- the discount rate or mileage accrual rate can be automatically adjusted to analyze the consumption tendency of the user using the card or the check card so that the user can receive the customized card benefits.
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Abstract
Description
Claims (13)
- 카드 혜택 자동 조절 서비스를 원하는 고객이 소지하고 있는 카드를 통한 결제 동작과 관련하여, 카드 사용 내역 정보에 따라 카드 혜택 제공을 통합 제어하는 혜택 제어부(110)와,고객의 카드 사용 내역 정보를 고객별로 데이터베이스화하여 저장 및 관리하는 내역 정보 데이터베이스부(120)를 포함하는 혜택 관리 서버(100);를 포함하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 1항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는상기 카드 사용 내역 정보를 이용하여 기설정된 다수 개의 소비항목별로 사용금액을 분석한 후,상기 다수 개의 소비항목별 사용금액에 따라, 카드 혜택을 조정하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 2항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는상기 다수 개의 소비항목별 사용금액을 기설정된 구간으로 나누어, 상기 다수 개의 소비항목별 사용금액에 해당하는 구간과 대응하는 카드 혜택 제공율을 적용하여 카드 혜택을 제공하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 2항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는상기 다수 개의 소비항목별 사용금액이 기설정된 소정값 이상일 경우, 카드 혜택을 기설정된 설정값만큼 반복 증가시키며,상기 다수 개의 소비항목별 사용금액이 기설정된 소정값 미만일 경우, 카드 혜택을 기설정된 설정값만큼 반복 감소시키는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 2항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는상기 카드 사용 내역 정보를 이용하여 다수 개의 소비항목별 결제금액, 결제횟수, 결제요일 및 결제지역을 분석한 후,상기 다수 개의 소비항목별 결제금액에 따른 결제횟수, 결제요일 또는 결제지역을 이용하여 카드 혜택을 추가 상향 조절하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 2항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는현재 카드 혜택 패턴에 따른 할인금액과, 상기 다수 개의 소비항목별로 조정되어 제공되는 다른 카드 혜택 패턴에 따른 할인금액을 비교하여,현재 카드 혜택 패턴에 따른 할인금액보다 다른 카드 혜택 패턴에 따른 할인금액이 소정금액이상 더 클 경우, 해당하는 다른 카드 혜택 패턴으로 카드 혜택을 조정하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 2항에 있어서,상기 혜택 관리 서버(100)의 혜택 제어부(110)는상기 혜택 관리 서버(100)와 네트워크를 통해 연결되어 있으며, 고객이 소지하고 있는 무선 단말기(1)로 현재 카드 혜택 정보과 상기 다수 개의 소비항목별로 조정되어 제공되는 예상 카드 혜택 정보 및 조정된 카드 혜택에 따른 예상 할인금액을 전달하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 제 1항에 있어서,상기 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템은상기 혜택 관리 서버(100)와 네트워크를 통해 연결되며,기설정된 주기 또는, 외부의 요청에 따라, 상기 혜택 관리 서버(100)에 저장되어 있는 정보들을 백업하는 백업 서버(200); 및기설정된 보안 정책에 따라 상기 혜택 관리 서버(100)에 저장되어 있는 정보들을 보호하는 보안 서버(300);를 더 포함하여 구성되는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 시스템.
- 카드 혜택 자동 조절 서비스를 원하는 고객이 소지하고 있는 신용카드 또는, 체크카드를 이용하여 결제 동작을 수행하는 카드 결제 단계(S100);혜택 관리 서버에서 상기 카드 결제 단계(S100)에 의한 카드 사용 내역 정보에 따라 카드 혜택을 조절하여 결정하는 카드 혜택 결정 단계(S200); 및상기 혜택 관리 서버에서 상기 카드 혜택 결정 단계(S200)에 의한 결정된 카드 혜택을 제공하는 카드 혜택 제공 단계(S300);로 이루어지는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 방법.
- 제 9항에 있어서,상기 카드 혜택 결정 단계(S200)는상기 카드 사용 내역 정보를 이용하여 기설정된 다수 개의 소비항목별로 사용금액을 분석한 후, 상기 다수 개의 소비항목별 사용금액에 따라, 카드 혜택을 조절하며,상기 다수 개의 소비항목별 사용금액을 기설정된 구간으로 나누어, 상기 다수 개의 소비항목별 사용금액에 해당하는 구간과 대응하는 카드 혜택 제공율을 적용하여 카드 혜택을 제공하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 방법.
- 제 9항에 있어서,상기 카드 혜택 결정 단계(S200)는상기 카드 사용 내역 정보를 이용하여 기설정된 다수 개의 소비항목별로 사용금액을 분석한 후, 상기 다수 개의 소비항목별 사용금액에 따라, 카드 혜택을 조정하며,상기 다수 개의 소비항목별 사용금액이 기설정된 소정값 이상일 경우, 카드 혜택을 기설정된 설정값만큼 반복 증가시키며,상기 다수 개의 소비항목별 사용금액이 기설정된 소정값 미만일 경우, 카드 혜택을 기설정된 설정값만큼 반복 감소시켜 카드 혜택을 조절하여 결정하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 방법.
- 제 9항에 있어서,상기 카드 혜택 결정 단계(S200)는상기 카드 사용 내역 정보를 이용하여 기설정된 다수 개의 소비항목별로 결제금액, 결제횟수, 결제지역 및 결제요일을 분석한 후, 상기 다수 개의 소비항목별 사용금액에 따른 결제횟수, 결제요일 또는 결제지역을 이용하여 카드 혜택을 추가 상향 조절하여 결정하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 방법.
- 제 9항에 있어서,상기 카드 혜택 결정 단계(S200)는상기 카드 사용 내역 정보를 이용하여 기설정된 다수 개의 소비항목별로 사용금액을 분석한 후, 상기 다수 개의 소비항목별 사용금액에 따라, 카드 혜택을 조정하며,현재 카드 혜택 패턴에 따른 할인금액과, 상기 다수 개의 소비항목별로 조정되어 제공되는 다른 카드 혜택 패턴에 따른 할인금액을 비교하여,현재 카드 혜택 패턴에 따른 할인금액보다 다른 카드 혜택 패턴에 따른 할인금액이 소정금액이상 더 클 경우, 해당하는 다른 카드 혜택 패턴으로 카드 혜택을 조절하여 결정하는 것을 특징으로 하는 카드 사용 정보를 반영하여 고객별 카드 혜택을 자동 조절하는 카드 혜택 제공 방법.
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EP15736976.0A EP3096280A1 (en) | 2014-01-14 | 2015-01-13 | Card benefit providing system and method for automatically adjusting card benefits for each customer by applying card usage information |
US14/892,799 US20160307224A1 (en) | 2014-01-14 | 2015-01-13 | Card benefit providing system and method for automatically adjusting card benefits for each customer by applying card usage information |
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KR101853476B1 (ko) * | 2017-04-28 | 2018-04-30 | (주)케이나올 | 가상 포인트 선대여 약정에 대한 가상 포인트 결제 서비스 제공 시스템 |
US20190035032A1 (en) * | 2017-07-25 | 2019-01-31 | Clarity Money, Inc. | System and method for detecting and responding to transaction patterns |
KR102267177B1 (ko) * | 2019-07-09 | 2021-06-21 | 신한카드 주식회사 | 고객 맞춤형 보상 포인트 제공 장치 및 방법 |
US11195198B2 (en) * | 2019-11-12 | 2021-12-07 | Mastercard International Incorporated | Payment card benefit value estimator system and method with transaction-based individual cardholder relevance of selectable benefits |
CN111080434A (zh) * | 2019-11-29 | 2020-04-28 | 交通银行股份有限公司 | 一种信用卡一卡多产品模式的实现方法 |
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KR101558965B1 (ko) | 2015-10-13 |
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US20160307224A1 (en) | 2016-10-20 |
CN105493126A (zh) | 2016-04-13 |
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