WO2017222172A1

WO2017222172A1 - Method and server for providing mobile coupon service according to card transaction history

Info

Publication number: WO2017222172A1
Application number: PCT/KR2017/004909
Authority: WO
Inventors: 이성호
Original assignee: 비씨카드(주)
Priority date: 2016-06-20
Filing date: 2017-05-11
Publication date: 2017-12-28
Also published as: KR101852017B1; WO2017222169A1; WO2017222177A1; KR20170142831A; WO2017222175A1; KR101857073B1; KR20170142825A; KR101766597B1; KR101852016B1; KR101757126B1; KR101756594B1; WO2017222128A1; KR20170142821A; KR20170142827A; KR101872279B1; KR20170142830A; KR101766599B1; WO2017222183A1; KR20170142818A; KR101836328B1

Abstract

According to one embodiment of the present invention, provided is a method by which a card company server provides a mobile coupon service to a user according to a card transaction history of the user, comprising the steps of: (a) transmitting, to a user terminal, a message for guiding information on an expected issuance of a mobile coupon when the card transaction history of the user meets a first condition; and (b) issuing the mobile coupon or allowing a mobile coupon company server to issue the mobile coupon when the card transaction history of the user meets a second condition.

Description

Server and method of providing mobile coupon service according to card usage history

The present invention relates to a method and a server for providing a mobile coupon service according to the card usage history, and more specifically, a card company with reference to the user's card usage history, the mobile coupon to the user according to the preset mobile coupon issuance conditions The present invention relates to a method and a server for promoting an active alliance model between a mobile coupon company and a card company having various affiliates by guiding, issuing, and processing sales cancellation associated with the mobile coupon.

In general, card companies provide users with discount coupons for various products and services sold by their affiliates, thereby encouraging users to use their cards when visiting and paying for each affiliate.

However, in most cases, users do not fully know the existence of discount coupons provided by the card company, and in order to check or use them, the card service related application provided by the card company is executed or the web page of the card company is displayed. I'm having trouble connecting.

Therefore, users do not use the discount coupons provided by the card company smoothly, and thus, the effect of increasing the sales of the merchants due to the induction of the visits is also sluggish.

Korean Patent Laid-Open Publication No. 10-2013-0075042 discloses that when a user makes a payment using a card, the relevant coupon-related information is transmitted to the user terminal. However, the user visits the affiliated store and attempts to make a payment. As a process to be performed later, there is still a problem that the user cannot easily check the coupon in advance or use the coupon immediately, and thus, the effect of increasing sales of merchants is also not significant.

In addition, the card company not only provides discount coupons under certain conditions, but also provides incentives to maintain or increase the performance of the card issued to the user by issuing discount coupons to all unspecified users who have issued the card. There are also problems that are difficult to do.

Accordingly, there is an increasing demand for technology that enables users to use coupons more conveniently, and can easily increase the profits of card companies and respective affiliate stores, and there is an urgent need for a solution to the above problems. .

The present invention is to solve the above-mentioned problems of the prior art, by providing an active alliance model between the mobile coupon company and the card company having a variety of partnerships, so that the card company can issue a mobile coupon to the user according to a predetermined condition It aims to increase the profits of the card company by providing the incentive for the user to maintain or increase the performance of the card.

In addition, when the user's use of the card satisfies a predetermined ratio over a predetermined ratio, the card company transmits the mobile coupon issuance information and a ready-to-use mobile coupon to the user terminal, so that the user can advance the issuance information of the coupon. By familiarizing with and enabling the user to use smoothly, the object of the present invention is to improve user convenience and increase sales of affiliated stores.

In addition, when the user attempts to cancel the card sales, by analyzing the user's card usage history to determine whether the card sales can be canceled, it aims to minimize the loss of the card company.

The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.

According to an embodiment of the present invention for achieving the above object, in a method for the card company server to provide a mobile coupon service to the user according to the user's card usage history, (a) the user's card usage history When a condition 1 is met, transmitting a message to a user terminal informing of issuance schedule information of the mobile coupon; And (b) issuing the mobile coupon or processing a mobile coupon company server to issue the mobile coupon when the card usage history of the user satisfies a second condition. Is provided.

Before the step (a), matching the coupon information of the mobile coupon received from the mobile coupon company server for each card product, and setting the issuing condition of the matched mobile coupon to the second condition may further include. have.

After the step (b), when receiving a request to cancel the card payment included in the card usage history, determining whether the card payment cancellation is possible, further comprising the step of processing the card payment cancellation request; Can be.

Whether the card payment can be canceled may be whether the remaining card usage history except for the canceled card usage history of the user's card usage history satisfies the second condition.

The first condition is a condition in which the second condition is achieved by a predetermined ratio or more, and the second condition is a time condition such as a day, a month, a quarter, a year, a payment amount condition, a payment place condition, a merchant condition, a product condition, and the like. It may include at least one of a service condition, a service condition, and a number of issue conditions.

The card usage history of the user may be at least part of time information, place information, payment amount information, payment merchant information, payment product information, and payment service information using the card.

The issue schedule information of the mobile coupon may include at least one of applicable merchant information, applicable product information, discount amount information, usage count information, and the second condition information of the mobile coupon.

Issuing the mobile coupon, generating identification data including one or more of identification code information, barcode information, QR code information, available period information of the mobile coupon, and immediately the coupon information and the identification data of the mobile coupon The image data may be processed into usable image data and transmitted to the user terminal.

According to another embodiment of the present invention for achieving the above object, in the card company server that provides the mobile coupon service to the user in accordance with the user's card usage history, the user's card usage history to meet the first condition When a message is sent to the user terminal to inform the mobile terminal issuing schedule information, and when the user's card use history satisfies a second condition, the mobile coupon is issued or the mobile coupon company server to the mobile coupon company There is provided a card company server, including a coupon issuing processing unit for processing to issue.

The card company server may include a coupon information management unit that matches coupon information of the mobile coupon received from the mobile coupon company server for each card product and sets the issuing condition of the matched mobile coupon as the second condition.

The card company server may include a card payment processing unit configured to process the card payment cancellation request by determining whether the card payment cancellation is possible when receiving a request to cancel the card payment included in the card usage history. .

Whether the card payment can be canceled or not,

The card usage history of the user except for the cancellation request card usage history may correspond to whether the second condition is satisfied.

According to an embodiment of the present invention, by providing an active alliance model between a mobile coupon company and a card company having a variety of affiliates, the card company can issue a mobile coupon to the user according to a predetermined condition, the user of the card By providing incentives to maintain or increase performance, card companies can increase their profits.

In addition, according to an embodiment of the present invention, when the card usage history of the user satisfies a predetermined condition or more than a predetermined ratio, the card company to send the mobile coupon issuance information and the immediately available form of the mobile coupon to the user terminal By allowing the user to know the issue information of the coupon in advance and use the coupon smoothly, it is possible to improve the convenience of the user and increase the sales of the affiliate store.

In addition, according to an embodiment of the present invention, when the user attempts to cancel the card sales, by analyzing the user's card usage history to determine whether the card sales can be canceled, it is possible to minimize the loss of the card company.

The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a block diagram of a mobile coupon service providing system according to an embodiment of the present invention.

2 is a diagram showing the configuration of a card company server according to an embodiment of the present invention.

3 is a diagram illustrating a mobile coupon issuing process according to an embodiment of the present invention.

4 is a diagram illustrating a mobile coupon payment cancellation process according to an embodiment of the present invention.

Hereinafter, the present invention will be described with reference to the accompanying drawings. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that unless otherwise stated, it may further include other components rather than excluding the other components.

In the present specification, the term "card" is preferably understood to mean all cards that can be issued by a card company such as a credit card, check card, debit card, membership card, and the like.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 1, a mobile coupon service providing system may include a user terminal 100, a card company server 200, a mobile coupon company server 300, and a payment terminal 400.

First, a communication network can be configured without regard to its communication aspects such as wired and wireless. Local area network (LAN), metropolitan area network (MAN: Metropolitan Area Network), a wide area network (WAN) may be composed of a variety of communication networks.

The user terminal 100 may be connected to an external server such as a card company server 200 and a mobile coupon company server 300 through a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. It can be connected and include all kinds of handheld based wireless communication devices, and in addition, card company server 200 over a network, such as an IPTV including a desktop PC, a tablet PC, a laptop PC, and a set-top box. And a communication device that can be connected to an external server such as a mobile coupon company server 300.

In addition, the user terminal 100 may have a mobile coupon service application that provides a mobile coupon service to the user. In this case, the application management server (not shown) may provide an application store for distributing various applications. When a service provider providing a mobile coupon service registers a mobile coupon service application in an application store, the user terminal 100 The mobile coupon service application registered in the application store may be installed in the memory.

The mobile coupon service application is a program module that can communicate with an external server and an external device, and can be included in the user terminal 100 or another device that can communicate with it in the form of an operating system, an application module, and other program modules. It can be stored on various known storage devices. On the other hand, such program modules include, but are not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or execute particular abstract data types, described below, in accordance with the present invention.

The card company server 200 may be a server operated by a card company that provides various services related to card payment to a user who has issued a card.

The card company server 200 may receive and store coupon information of various mobile coupons issued by the mobile coupon company from the mobile coupon company server 300.

The coupon information may include one or more of the mobile coupon number information, applicable merchant information, applicable product information, discount amount information, number of times of use and the like.

In addition, the card company server 200 may match one or more mobile coupons for each card product provided by the card company, and set a condition under which the matched mobile coupon is issued to a user as a second condition.

The second condition for each card is a time condition which is a condition related to the time when the mobile coupon is issued, such as a day, month, quarter, year, etc., a payment amount condition which is a condition related to the total accumulated amount of the card usage history in which the mobile coupon is issued, Place of payment, which is a condition related to the place where payment was made using the card, Merchant condition, which is a condition related to the merchant paying using the card, Product condition, which is a condition related to the items of goods paid using the card, It may also include a service condition, which is a condition related to a service item paid using, and an issue number condition, which is a condition related to the total number of times that a mobile coupon can be issued within the issuance period, or the like.

Accordingly, the card company server 200 may set a condition in which the user's card usage history achieves the preset second condition by a predetermined ratio or more as a first condition. Accordingly, the user's card usage history is set by the first condition. When satisfied, the message for guiding the issuance schedule information of the mobile coupon may be transmitted to the user terminal 100.

According to an embodiment of the present disclosure, when the card usage history of the user satisfies the second condition, the card company server 200 generates a corresponding mobile coupon and processes it into a form immediately available to the user such as image data. A signal for requesting transmission to 100 may be transmitted to the mobile coupon company server 300.

At this time, according to an embodiment, the card company server 200 may directly perform the processing and transmission process after generating the mobile coupon described above.

Thereafter, the card company server 200 when the user attempts to pay the card using the mobile coupon issued to him, the approval process, may use the mobile coupon used completion processing.

In addition, the card company server 200 according to an embodiment of the present invention, when the user attempts to cancel the card payment, analyzes the user's card usage history within a certain period according to the second condition of the mobile coupon issued to the user It is possible to determine whether the payment cancellation is approved, and accordingly, the user wants to cancel the sales can be canceled approval processing or unauthorized processing.

The mobile coupon company server 300 may be a server operated by a mobile coupon company that generates and issues mobile coupons for various goods and services sold by affiliates and affiliates of card companies thereof.

The mobile coupon company server 300 according to an embodiment may transmit the coupon information of various mobile coupons issued by the mobile coupon company to the card company server 200.

Thereafter, the mobile coupon company server 300 may receive a mobile coupon issuance request signal for a specific user from the card company server 200, wherein the mobile coupon issuance request signal is the contact information of the user and the mobile coupon of the issuance request It may include coupon information.

Accordingly, the mobile coupon company server 300 generates at least one identification data such as identification code information, barcode information, QR code information, available period information, etc. of the mobile coupon to generate the mobile coupon requested to be issued. Can be.

According to an embodiment of the present disclosure, the mobile coupon company server 300 may generate a mobile coupon in a form immediately available to a user such as image data based on the mobile coupon issuance request and identification data.

Thereafter, the mobile coupon company server 300 may transmit a message including the generated mobile coupon to the user terminal 100.

The payment terminal 400 may be a terminal installed at a card company and capable of transmitting and receiving signals related to card payment.

The payment terminal 400 may be provided with a communication device capable of communicating with an external server and an external device, thereby communicating with the card company server 200.

The payment terminal 400 according to an embodiment of the present invention may be connected to a card reader through which a card is scanned, and recognizes a magnetic stripe or an integrated circuit chip in the card through the card reader. Card information such as the scanned card number, expiration date, CVC number, etc. can be collected.

In addition, the payment terminal 400 may be connected to the sensor module that can recognize a barcode or QR code, by recognizing the barcode or QR code of the mobile coupon displayed on the user terminal 100 through the sensor module, The signal requesting the use of the coupon may be transmitted to the card company server 200.

2 is a diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.

2, the card company server 200 according to an embodiment of the present invention is a database 210, coupon information management unit 220, coupon issue processing unit 230, card payment processing unit 240, the control unit 250 And a communication unit 260.

First, the database 210 may store information related to a user who has issued a card company's card and coupon information received from the mobile coupon company server 300.

Specifically, the user-related information may include personal information of the user and information using the card payment related service of the card company. For example, the user's name, contact information, address, email address, card usage history information, holding coupon information, and the like may be included in one or more days.

In addition, the coupon information may include information of the mobile coupon issued by the mobile coupon company in connection with various products and services sold by affiliates and affiliates of the card company.

For example, the number information for identifying the type of each mobile coupon, the merchant information that can use the mobile coupon, the product information provided or discounted through the mobile coupon, the amount information discounted through the mobile coupon, the mobile coupon It can include more than the total number of times available.

In addition, the coupon information may be received in real time, and thus coupon information stored in the database 210 may also be updated in real time.

The coupon information management unit 220 may receive and store coupon information of various mobile coupons from the mobile coupon company server 300, and set a condition for issuing a matched mobile coupon after matching each card product provided by the card company.

Specifically, according to one embodiment, the coupon information management unit 220 may receive the coupon information of the mobile coupon associated with the affiliates of the mobile coupon company from the mobile coupon company server 300, and may store it in the database 210.

In addition, the coupon information management unit 220 according to an embodiment may transmit the name, business information, sales product information, etc. of each affiliate store to the mobile coupon company server 300 in relation to the affiliates of the card company, accordingly each affiliate store Coupon information on the goods and services to sell may be received and stored.

The coupon information manager 220 may match the coupon information for each type of card goods issued to a user by a card company for one or more days, so that the user can designate a type of mobile coupon that can be provided as the user uses each card for each product type. have.

Thereafter, the coupon information management unit 220 issues a second condition, which is a condition for issuing a corresponding mobile coupon for each mobile coupon matched with the card product, for a time condition, a payment amount condition, a payment place condition, a merchant condition, a product condition service condition, and issuance. Can be set as the number of conditions.

Specifically, according to an embodiment of the present invention, the coupon information management unit 220 is a time issue condition that each mobile coupon can be issued, that is, the user based on the specific use history of the card in order to receive each mobile coupon You can set the deadline to be met, such as days, months, quarters, and years.

For example, the coupon information manager 220 may set the issuance time condition for which a specific mobile coupon is issued to a branch. Accordingly, when the user has used the card corresponding to the mobile coupon within each branch satisfies the second condition other than the time condition, the mobile coupon may be issued.

In addition, according to one embodiment of the present invention, the coupon information management unit 220, the payment amount condition that each mobile coupon can be issued, that is, the user must achieve within the issuance time of the corresponding mobile coupon in order to receive each mobile coupon You can set the amount of credit card use.

For example, the coupon information management unit 220 may set the amount of money condition that can be issued a specific mobile coupon to 1 million won, the preset issue time conditions of the mobile coupon may be a branch condition. Accordingly, the user can be issued the mobile coupon when the user achieves the amount of use of the card by one million won in each quarter.

In addition, the coupon information management unit 220 according to an embodiment is the maximum number of conditions that can be issued for each mobile coupon, that is, the user can be issued a corresponding mobile coupon within a predetermined issue time for each mobile coupon You can set the number of times.

For example, the coupon information management unit 220 may set the number of issuance conditions that can be issued a specific mobile coupon three times, wherein the predetermined issue time conditions of the mobile coupon may be a branch condition. Accordingly, the user may be issued the mobile coupon up to three times in each quarter.

According to one embodiment, the coupon information management unit 220 is a payment place condition that is a condition that specifies the place to pay using the card, merchant conditions that specify the merchant to pay using the card, payment using the card A product condition, which is a condition for designating a product item, and a service condition, which is a condition for designating a service item to be paid using a corresponding card, may be set.

The coupon issuing processor 230 may analyze the card usage history information of the user and process the mobile coupon matched for each card to be issued to the user according to the second condition set through the coupon information manager 220.

Specifically, according to one embodiment, the coupon issuing processor 230 may check the user's card usage history through the database 210, based on the time information, place information, payment amount information, By checking payment merchant information, payment product information, payment service information, and the like, the card usage history of the user may be analyzed.

According to an embodiment of the present invention, the coupon issuing processor 230 issuing the mobile coupon to determine whether the user's card use history satisfies the second condition that is the issuance condition of the mobile coupon matched with the card. It is possible to extract the card usage history of the user corresponding to the time.

Subsequently, the coupon issuing processor 230 may check whether the user's use of the card within the issuance time of the mobile coupon satisfies the second condition of the mobile coupon.

At this time, the coupon issuance processing unit 230 according to an embodiment of the present invention when the user's card usage history meets the second condition of the mobile coupon more than a certain ratio, that is, when the predetermined first condition is satisfied, A message guiding the issuance schedule information of the mobile coupon may be transmitted to the user terminal 100.

For example, the payment amount condition may be set to 1 million won as a second condition of a specific mobile coupon, and the total amount paid by the user using a card may be 900,000 won. In this case, as the coupon issuing processor 230 confirms that the user has satisfied the payment amount condition of the mobile coupon more than 90%, the coupon information of the mobile coupon and the second condition information for the mobile coupon can be issued. The guide message may be transmitted to the user terminal 100.

Accordingly, the coupon issuing processor 230 may support the user to know and smoothly use the issue information of the mobile coupon in advance, and may provide the user with an incentive to maintain or increase the performance of the card.

According to an embodiment of the present disclosure, when the user's card usage history satisfies all of the second conditions of the mobile coupon, the coupon issuing processor 230 may transmit a signal requesting the user to issue the mobile coupon to the mobile coupon company server ( 300).

The mobile coupon issuance request may include the user's contact information and coupon information of the corresponding mobile coupon.

At this time, according to an embodiment, the coupon issuing processing unit 230, when the number of times the mobile coupon is issued to the user within the issuing time is less than a predetermined number of conditions, the mobile coupon issuing request signal to the mobile coupon company server ( 300).

The mobile coupon company server 300 receiving the mobile coupon issuance request signal may generate an identification code of the mobile coupon to issue the mobile coupon, a barcode or QR code to recognize the information of the mobile coupon You can also create

In addition, the mobile coupon company server 300 may set the available period of the mobile coupon based on the time when the mobile coupon issue request signal is received.

Subsequently, the mobile coupon company server 300 may collect coupon information, identification code information, barcode information, QR code information and available period information of the mobile coupon for one or more days and process the data into an image form. The message including the mobile coupon in the form may be transmitted to the user terminal 100.

According to an embodiment of the present invention, the coupon issuing processor 230 may directly perform a series of processes for generating, processing, and transmitting the aforementioned mobile coupon to the user terminal 100.

Accordingly, as the user is issued in a form that can be used immediately without receiving the mobile coupon through a separate web page or application, the mobile coupon may be used more conveniently.

In addition, the coupon issuing processor 230 according to an embodiment may receive a signal from which the mobile coupon is issued from the mobile coupon company server 300, or process itself is completed, the information of the mobile coupon issuance is completed As stored in the database 210 may be included in the coupon information of the user.

The card payment processing unit 240 may perform a process of processing a user's card payment approval request and cancellation request related to the mobile coupon.

Specifically, the user presents a mobile coupon displayed on the screen of the user terminal 100 to the employee of the affiliated store, the employee of the affiliated store to the payment terminal 400 installed in the affiliated store recognizes the barcode or QR code of the mobile coupon As a result, a signal for requesting the use of the mobile coupon through the payment terminal 400 may be transmitted to the card payment processing unit 240.

The mobile coupon use request may include one or more coupon information, identification code information, and available period information of the mobile coupon.

At this time, according to an embodiment, the card payment processing unit 240 may transmit a signal requesting the card information corresponding to the mobile coupon to the payment terminal 400, and pays for the information recognized by the card reader through the card reader. As received from the terminal 400, the identity verification of the user who wants to use the mobile coupon may be performed.

In addition, according to another embodiment, the card payment processing unit 240 requests a portion of the contact information of the user who holds the mobile coupon to the payment terminal 400, and, upon receipt, the user of the user who wants to use the mobile coupon. You can also perform a verification procedure.

Thereafter, the card payment processing unit 240 may approve the received mobile coupon use request and change the mobile coupon to a use completion state to prevent duplicate use of the mobile coupon later.

In addition, according to an embodiment of the present invention, the card payment processing unit 240, when the user receives a card payment request that does not use the mobile coupon, refer to the coupon information of the user holding the payment request card issued by the user Thus, the user can check whether there is a mobile coupon available at the time of the requested card payment.

At this time, when there is a mobile coupon available, the card payment processing unit 240 may be displayed on the screen of the payment terminal 400 by transmitting the information of the available mobile coupon to the payment terminal 400 of the merchant. .

Accordingly, the user may be able to check the information of the available mobile coupon, and the user may immediately use the mobile coupon by informing the employee of the affiliated store of the use of the confirmed mobile coupon.

According to one embodiment, the card payment processing unit 240 is a mobile coupon service application installed in the payment terminal 400 or the user terminal 100 of the merchant where the card payment was performed to request a signal to cancel the card payment already approved processing Can be received from.

Thereafter, the card payment processing unit 240 may check the user's holding coupon information corresponding to the card payment through the database 210.

At this time, according to an embodiment, when the details of the mobile coupon issued to the user does not exist, the card payment processing unit 240 may immediately process the card payment cancellation request.

In addition, according to an embodiment, when the details of the mobile coupon issued to the user exist, the card payment processing unit 240 may extract and analyze the user's card usage history corresponding to the issue time of the issued mobile coupon. have.

In detail, the card payment processing unit 240 excludes the card usage history corresponding to the cancellation request from the card usage history within the issuance time of the mobile coupon extracted through the coupon issuing processing unit 230, and then uses the remaining cards. It may be determined whether the details satisfy the second condition in which the mobile coupon is issued.

In this case, when the remaining card use history satisfies the second condition of the mobile coupon, the card payment processing unit 240 may approve the received card payment cancellation request, and if not, cancel the card payment. The request may be disapproved.

The card payment processor 240 according to an embodiment of the present invention may check whether the issued mobile coupon is used or not when the mobile coupon is issued to the user.

At this time, when the mobile coupon is not used, the card payment processing unit 240 after the approval processing of the card payment cancellation request, and transmits a signal requesting the cancellation of the mobile coupon to the mobile coupon company server 300, The mobile coupon may be converted into an unusable state.

In addition, according to an embodiment, the card payment processor 240 may transmit a message for guiding cancellation of the mobile coupon to the user terminal 100.

The control unit 250 according to an embodiment performs a function of controlling the flow of data between the database 210, the coupon information management unit 220, the coupon issuing processor 230, the card payment processing unit 240, and the communication unit 260. can do. That is, the controller 250 according to the present invention controls the database 210, the coupon information manager 220, the coupon issue processor 230, the card payment processor 240, and the communicator 260 to perform unique functions, respectively. can do.

The communication unit 260 according to an embodiment enables communication between the card company server 200, an external server, and an external device. Specifically, the card company server 200 enables communication with the user terminal 100, the mobile coupon company server 300, and the payment terminal 400.

Hereinafter, according to an embodiment of the present invention, the card company server 200 describes only a process of generating and issuing a mobile coupon to the user terminal 100 through the mobile coupon company server 300, but is not limited thereto. Of course, the card company server 200 may directly generate and issue a mobile coupon.

Referring to FIG. 3, first, the mobile coupon company server 300 may transmit coupon information of various mobile coupons issued by the mobile coupon company to the card company server 200 (S301).

Specifically, according to an embodiment, the mobile coupon company server 300 may transmit the coupon information of the mobile coupon associated with the goods and services sold by affiliates of the mobile coupon company to the card company server 200.

In addition, the mobile coupon company server 300 according to an embodiment may receive from the card company server 200 with respect to the affiliates of the card company, the name of each affiliated store, business information, sales product information, etc. Each merchant may generate coupon information of a mobile coupon related to goods and services sold to the card company server 200.

The card company server 200 may store the coupon information received in the step S301 in a database and match it with each card product issued by the card company, thereby designating a mobile coupon to be issued according to the usage history of each card of the user. (S302).

At this time, the card company server 200 may match a plurality of mobile coupons for each card product through the step S302 of course.

Thereafter, the card company server 200 sets a time condition, a payment amount condition, a payment place condition, an affiliate store condition, a product condition service condition, and the number of times that the mobile coupon can be issued for each mobile coupon matched for each card in step S302. A second condition such as a condition can be set (S303).

Specifically, according to an embodiment of the present invention, the card company server 200 is a time condition that each mobile coupon can be issued, that is, the user achieves the use history of the card by a specific criterion in order to receive each mobile coupon You can set the time you need to do, such as day, month, quarter, and year.

In addition, according to an embodiment of the present invention, the card company server 200 is a payment amount condition that each mobile coupon can be issued, that is, the user must achieve within the issuance time of the corresponding mobile coupon in order to receive each mobile coupon The amount of credit card use can be set.

In addition, the card company server 200 according to an embodiment is a condition for the number of times that each mobile coupon can be issued, that is, the maximum number of times that the user can be issued a corresponding mobile coupon within a predetermined issue time for each mobile coupon You can also set

Card company server 200 according to an embodiment is a payment place condition that is a condition that specifies the place to pay using the card, merchants condition that specifies the merchant to pay using the card, the product to pay using the card It is also possible to set a product condition, which is a condition for designating an item, and a service condition, which is a condition for designating a service item to be paid using the card.

According to an embodiment of the present disclosure, the card company server 200 may check a user's card usage history previously stored in a database, based on the time information, place information, payment amount information, payment affiliate information, payment merchant information, and the like. The user's card usage history may be analyzed by checking information and payment service information for at least one day.

In this case, the card company server 200 determines whether the user's use of the card within the issuance time of the mobile coupon partially satisfies the second condition of the mobile coupon, that is, the user's card usage history determines the first condition of the mobile coupon. It may be determined whether or not it is satisfied (S304).

As a result of performing step S304, when it is determined that the user's card usage history satisfies the first condition of the mobile coupon, the card company server 200 is to be issued such as coupon information and second condition information of the mobile coupon. A message guiding the information may be transmitted to the user terminal 100 (S305).

In addition, the card company server 200 may determine whether the user has used the card within the issuance time of the mobile coupon completely meets the second condition of the mobile coupon (S306).

At this time, according to an embodiment, in step S306, the card company server 200 may further check the number of times the mobile coupon has been issued to the user within the issuing time, the number of times the mobile coupon is issued to the user within the issuing time It may also be further determined whether is less than a predetermined number of issuance conditions.

As a result of performing step S306, when the user's card usage history satisfies the second condition of the mobile coupon, the card company server 200 issues a request signal for issuing the mobile coupon to the user. (S307).

According to an embodiment, the mobile coupon company server 300 may generate an identification code, a barcode, a QR code, a usable period, or the like of the mobile coupon in accordance with the mobile coupon issuance request signal received in step S307. In operation S308, the mobile coupon may be generated by collecting the processed data into image data.

Thereafter, the mobile coupon company server 300 may transmit a message including the mobile coupon generated in step S308 to the user terminal 100 (S309).

Accordingly, as the user receives the mobile coupon in a form immediately usable without a separate web page or application execution procedure, the user can use the mobile coupon more conveniently.

Hereinafter, according to an embodiment of the present invention, the card company server 200 will be described only the process of receiving the user's card payment cancellation request signal from the payment terminal 400 of the merchant, but is not limited to this, the user is online Of course, the card payment cancellation request signal may be received from the server (not shown) of the online merchant paying by using the card.

4, first, the payment terminal 400 according to the user's request, the card payment completion of the user that is previously approved through the card company server 200, that is, the specific card usage history of the user specific The signal for canceling the case may be transmitted to the card company server 200 (S401).

The card company server 200 may check the user's holding coupon information corresponding to the card payment cancellation request received in step S401 through a database (S402).

According to one embodiment, as a result of performing the step S402, when the history that the mobile coupon is issued to the user, the card company server 200 records the user's card usage history corresponding to the issue time of the issued mobile coupon Can be extracted and reanalyzed (S403).

In detail, the card company server 200 excludes the card usage history corresponding to the requested cancellation from the extracted card usage history, and then determines whether the remaining card usage history satisfies the second condition that the mobile coupon is issued. You can check it.

As a result of performing step S403, when the remaining card use history satisfies the payment amount condition of the mobile coupon, the card company server 200 sends a signal for approving the received card payment cancellation request to the payment terminal 400. In operation S404, the card payment completion case may be canceled in operation S405.

According to an embodiment of the present invention, the card company server 200 may check whether the issued mobile coupon is used when confirming that the user has issued the mobile coupon through the step S402.

In this case, when the mobile coupon is not used, after the card company server 200 approves the card payment cancellation request, the card company server 200 transmits a signal for requesting cancellation of the mobile coupon to the mobile coupon company server, and sends the mobile coupon. As it is switched to the unusable state, the canceled mobile coupon may be processed to be used later.

In addition, according to an embodiment, as a result of performing the step S402, when the details of the mobile coupon issued to the user does not exist, the card company server 200 may immediately process the card payment cancellation request authorization.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.

100: user terminal

200: card company server

210: database

220: coupon information management unit

230: coupon issue processing unit

240: card payment processing unit

250: control unit

260: communication unit

300: mobile coupon company server

400: payment terminal

Claims

In the card company server to provide a mobile coupon service to the user according to the user's card usage history,

(a) when the user's card usage history satisfies a first condition, transmitting a message to the user terminal informing of issuance schedule information of the mobile coupon; And

(b) issuing the mobile coupon or processing a mobile coupon company server to issue the mobile coupon when the user's card usage history satisfies a second condition.
The method of claim 1,

Before step (a) above,

And matching the coupon information of the mobile coupon received from the mobile coupon company server for each card product, and setting the issuing condition of the matched mobile coupon as the second condition. Way.
The method of claim 1,

After step (b),

When receiving a request to cancel the card payment included in the card usage history, determining whether the card payment cancellation is possible, and further comprising the step of processing the card payment cancellation request, mobile coupon service providing method.
The method of claim 3, wherein

Whether the card payment can be canceled or not,

Mobile card service providing method, characterized in that whether the remaining card use history other than the card use history requested cancellation of the user's card use history satisfies the second condition.
The method of claim 1,

The first condition is,

The second condition is a condition achieved by a predetermined ratio or more,

The second condition is,

Method of providing a mobile coupon service, characterized in that it comprises one or more of the time conditions, such as days, months, quarters, years, payment amount conditions, payment place conditions, merchant conditions, product conditions, service conditions and number of issue conditions.
The method of claim 1,

The card usage history of the user,

And at least some of time information, place information, payment amount information, payment merchant information, payment product information, and payment service information using the card by the user.
The method of claim 1,

Issuing schedule information of the mobile coupon,

And at least one of applicable merchant information, applicable product information, discount amount information, usage count information, and the second condition information of the mobile coupon.
The method of claim 1,

Issuance of the mobile coupon,

Generate identification data including one or more of identification code information, barcode information, QR code information, and usage period information of the mobile coupon, and process the coupon information and the identification data of the mobile coupon into ready-to-use image data. Mobile coupon service providing method, characterized in that the transmission to the user terminal.
In the card company server that provides the mobile coupon service to the user according to the user's card usage history,

When the card usage history of the user satisfies the first condition, a message informing the user terminal of the issuance schedule information of the mobile coupon is transmitted to the user terminal, and when the card usage history of the user satisfies the second condition, the mobile Card company server that includes a coupon issuance processing unit for issuing a coupon or a mobile coupon company server to issue the mobile coupon.
The method of claim 9,

The card company server,

And a coupon information manager configured to match coupon information of the mobile coupon received from the mobile coupon company server for each card product and set the issuing condition of the matched mobile coupon as the second condition.
The method of claim 9,

The card company server,

When receiving a request to cancel the card payment included in the card usage history, it is determined whether the card payment cancellation is possible, and comprises a card payment processing unit for processing the card payment cancellation request, card company server .
The method of claim 11,

Whether the card payment can be canceled or not,

The card company server, characterized in that whether the remaining card use history other than the card usage history requested cancellation of the user satisfies the second condition.
The method of claim 9,

The first condition is,

The second condition is a condition achieved by a predetermined ratio or more,

The second condition is,

Card company server, characterized in that it comprises one or more of the time conditions, such as days, months, quarters, years, payment amount conditions, payment place conditions, merchant conditions, product conditions, service conditions and number of issuance conditions.
The method of claim 9,

The card usage history of the user,

Card company server, characterized in that at least a portion of the time information, place information, payment amount information, payment merchant information, payment product information and payment service information using the user card.
The method of claim 9,

Issuing schedule information of the mobile coupon,

Card company server, characterized in that it comprises one or more of the applicable merchant information, applicable product information, discount amount information, the number of times of use and the second condition information of the mobile coupon.