KR100761398B1 - Card payment notification system and method through network - Google Patents

Abstract

The present invention relates to a card payment notification system and method through a network.

When the payment approval result according to the card payment of the predetermined user is received from the payment server through the network, the system checks the location of the user. Then, the accumulated purchase history information of the user is analyzed to predict the next purchase behavior of the user, and the purchase induction information is generated based on at least one of the user's location and the predicted result. The purchase induction information generated as described above and the payment approval result are combined and transmitted to the mobile terminal of the user.

Therefore, the next purchase behavior can be predicted in real time for the user who has made a payment using the card, and the user can effectively induce the purchase behavior based on the prediction result.

Description

Card settlement informing system and method through network

1 is a conceptual illustration of a card payment notification method according to an embodiment of the present invention.

2 is a structural diagram of a card payment notification system according to an exemplary embodiment of the present invention.

3 is a diagram illustrating a network connection of a card payment notification system according to an exemplary embodiment of the present invention.

4 is a flowchart illustrating a card payment notification method according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an operational connection state between each component according to the flowchart illustrated in FIG. 4.

The present invention relates to a payment related system, and more particularly, to a system and a method for notifying card payment details through a network such as a wireless communication network.

Recently, the use of credit cards, debit cards, etc. has been increasing, and as there are many accidents related to this, when a user makes a payment using a card, the service according to the payment is notified to the user's terminal. Is being provided. That is, the payment details including the goods purchased by the user, the payment amount, and the payment date are notified to the user's mobile terminal. Therefore, the user can check the payment details in real time through the mobile terminal. Korean Patent Application Publication No. 2002-6189 discloses a "card payment notification method and a system for performing the same" for such a payment related notification technology.

However, the related art has only a disadvantage that the payment result is only transmitted in real time to the terminal of the card holder.

Therefore, the technical problem to be achieved by the present invention is to solve the disadvantages of the prior art, to provide a system and a method for inducing a user's purchase behavior while notifying the approval result of the user's card payment. In particular, the present invention provides a system and method for predicting the next purchase behavior of a user and inducing the predicted purchase behavior.

In addition, the technical problem to be achieved by the present invention is to make a customized advertisement according to the user's purchase pattern while notifying the approval result of the user's card payment.

Card payment notification method according to a feature of the present invention for achieving the above technical problem, in a method of notifying the card payment details to the user's mobile terminal in a system connected to a payment server through a network, a) the system Receiving a payment approval result according to a card payment of a predetermined user from a payment server; b) the system confirming the location of the user; c) the system analyzing the accumulated purchase history information of the user to predict the next purchase behavior of the user; d) the system extracting a phone number of the user's mobile terminal; e) the system generating purchase incentive information based on at least one of the user's location and the predicted result; And f) combining the purchase induction information and the payment approval result and transmitting the combined information to the mobile terminal having the extracted telephone number.

Card payment notification system according to another aspect of the present invention is a system connected to the payment server through the network, the system for notifying the card payment details to the user's mobile terminal, the purchase history database for storing the accumulated purchase history information of the user; A user location checking unit for checking a location of a predetermined user; A purchase pattern analysis unit configured to receive a payment approval result of the user provided from the payment server, store it in the purchase history database, analyze a purchase pattern based on the purchase history information stored in the purchase history database, and generate the analysis result; A purchase induction unit for predicting a next purchase behavior of the user based on the analysis result and selecting at least one purchase induction seller based on the predicted result; An information combination processor configured to generate purchase induction information about the purchase induction dealer and to generate transmission information by combining the generated purchase induction information with the payment approval result; A telephone number extracting unit which checks the mobile terminal telephone number of the user; And a transmission unit for transmitting the transmission information to the mobile terminal having the telephone number.

In the system and method of the present invention having such characteristics, the purchase induction information may be related to the seller-related information related to the purchase-induced seller, the coupon provided by the purchase-induced seller, the seller benefit information related to the predetermined benefit including the event, the purchase-induced seller. It may include at least one of related advertisement content. In particular, the purchase induction information may further include map data including a movement route to the purchase induction retailer based on the current location of the user, and more effectively induce a user's next purchase.

Hereinafter, exemplary embodiments of the present disclosure will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present disclosure. 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 addition, when a part is said to "include" a certain component, this means that it may further include other components, except to exclude other components unless otherwise stated.

In addition, the term module described herein refers to a unit for processing a specific function or operation, which may be implemented in hardware or software, or a combination of hardware and software. 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 general, when a user makes a payment using a card on-line or off-line, the card payment details according to the payment are processed in a short message form and transmitted to the user's mobile terminal. Users tend to check short messages, including card payment history, without checking other short messages. Therefore, the present invention induces the purchase behavior of the user while notifying the card payment details in consideration of this point.

Specifically, after predicting the user's next purchase after paying the card, based on the information, other information on the other services that can be purchased in addition to the card payment details are notified. In addition, it predicts the next purchase behavior based on the current location of the user and informs the information about the seller who provides the purchaseable service. In particular, based on the analysis result of the user's purchase pattern at the current location of the user, the service most likely to be purchased and information on the seller who provides it are also informed, thereby inducing a buying behavior. In addition, the present invention provides the user with a map information about the seller that provides a service that can be purchased in addition to the card payment history, so that the user can easily purchase.

1 illustrates a concept of a card payment notification method according to an embodiment of the present invention.

As shown in FIG. 1, in the embodiment of the present invention, when a user makes a payment using a credit card after receiving a service from a card merchant, information about the payment from the terminal of the card merchant is transferred to the server of the card company. Is provided. The server of the card company performs the payment approval according to the payment request from the card merchant, and transmits the payment approval result to the terminal of the card merchant. In addition, to notify the payment details to the card payment notification system according to an embodiment of the present invention.

The card payment notification system predicts the next purchase behavior in the current state of the user and provides the predicted result with the payment approval history to the user. For example, the location of the mobile terminal of the user (actual card holder) is confirmed through a mobile communication company, and the purchase pattern of the user is analyzed. Based on the location of the mobile terminal and the analysis result of the purchase pattern of the user, the next purchase behavior of the user is predicted in the current state, and the information about the seller who provides a service that the user is likely to purchase is obtained based on the predicted purchase behavior. The retailer may be an affiliated store of a card company that the user has settled, may be an affiliated store of another card company, or may not be an affiliated store of a card company. In this way, a seller obtained based on at least one of the location of the mobile terminal of the user who has made a predetermined payment and the analysis result of the purchase pattern of the user is referred to as a "purchasing guided seller" for convenience of description.

Thereafter, the card payment notification system transmits the payment approval result provided from the server of the card company and the information on the purchase induction sales company obtained through the mobile communication company to the mobile terminal of the user. Therefore, the user is provided with the information on the purchase induction seller along with the payment approval result for the service purchased from the card merchant through the mobile terminal.

For example, when a user makes a payment after receiving a service from a card merchant (eg, Bennigans) near Gangnam station, the card company approves the payment, and the card payment notification system of the user through a mobile carrier. Check the location of the mobile terminal. Based on the results of the analysis of the location and the purchase pattern of the card, the card payment notification system may be used by retailers that provide services that are more likely to be purchased in the vicinity of Gangnam Station, for example, Starbucks Coffee Shop, Hollys Coffee Shop, Pizza Shop, Obtain information about the beauty salon. Among the stores obtained in this way, the seller that provides the most likely service to buy in the present state, that is, the incentive shop (for example, the Harleys coffee shop) is selected, and then the information on the induction shop and the payment approval result are displayed. Send to the user's mobile terminal. Therefore, along with the payment history for services purchased by Bennigans on the user's mobile terminal, the user has used a lot in the vicinity of Gangnam station, or is likely to use it based on the purchase pattern so far, or provides a predetermined benefit. Information about the Harleys coffee shop, which is an incentive retailer with features such as a user's likelihood of making a purchase, is also displayed. In particular, information on events such as offers, coupons, and maps indicating the route from the user's current location to the Hollys coffee shop are provided to the Hollys coffee shop, which is a purchase incentive seller, to induce user's buying behavior more actively. can do.

As described above, according to the embodiment of the present invention, by predicting the next purchase behavior of the user in the current state and providing the related information with the card payment history, other purchase behaviors of the user can be induced more effectively while notifying the card payment details. On the other hand, in the embodiment of the present invention, the service to be purchased by the user includes all goods of the tangible or intangible that can be sold on-line or off-line.

Next, a detailed structure of the system for performing such a card payment notification will be described.

2 is a diagram showing the structure of a card payment notification system according to an embodiment of the present invention.

As shown in FIG. 2, the card payment notification system 100 according to an exemplary embodiment of the present invention may include a database unit 10, a user location checking unit 20, a purchase pattern analysis unit 30, and a purchase induction unit ( 40), an information combination processing unit 50, a telephone number extraction unit 60, and a transmission unit 70.

The database unit 10 stores and manages a plurality of pieces of information for notifying card payment details in the card payment notification system 100 according to an exemplary embodiment of the present invention. Specifically, the database includes a user database 11, a vendor database 12, a purchase history database 13, and a map database 14.

The user database 11 stores information about users who can be provided with information through a card payment notification system according to an exemplary embodiment of the present invention. For example, information such as a mobile terminal telephone number, a social security number, an e-mail address, and the like are stored corresponding to an identification number assigned to each user.

The dealership database 12 stores information on vendors who provide a predetermined service on / offline. For example, information such as a service for sale by an identification number assigned to a retailer, a retailer location, a coupon or event provided by the retailer, a retailer contact, and the like are stored. In addition, information such as advertisement content related to a service sold by each vendor may be additionally stored. The advertisement content may be separated and stored in a separate database.

The purchase history database 13 stores purchase history information for each user, and the purchase history information is accumulated and stored and managed. For example, the service purchased by the user in response to the user identification number, the amount of payment, the place of sale of the service, the purchase date, and the purchase location (where the purchase location may be the location of the retailer where the user purchased the service. May be a user's location). The map database 14 stores map information for each region.

The user identification number used in the databases 11-14 described above may be a card number or may be a number assigned separately for user identification instead of the card number.

On the other hand, the user location confirmation unit 20 confirms the location of the user who purchased the goods at a predetermined seller and performed the card payment. As a method of identifying a user's location, a number of methods known in the art may be used, and a method of measuring a location of a user's mobile terminal and determining a user's location therewith has been used. To this end, the user location checking unit 20 may be provided with information on the location of the mobile terminal of the user in association with the server of the mobile communication company. However, the user location checking method according to the present invention is not limited thereto, and various methods such as using a user's computer IP address as the user location may be used.

The purchase pattern analyzer 30 analyzes the purchase pattern of the user based on the purchase history information accumulated for each user. In particular, the purchase pattern analysis unit 30 generates purchase history information based on the payment approval result provided according to the user's card payment, and stores it in the purchase history database 13 to manage it. In addition, by analyzing the purchase history accumulated and stored in correspondence with the user, the user's purchase propensity, the service expected to be purchased, and the user's purchase line indicating the path where the user is expected to purchase a certain service while moving from the current location. Generate analysis results that contain information.

To this end, the purchase pattern analysis unit 30 is a payment history receiving module 31 for receiving a payment approval result, an information generation module 32 for generating and storing purchase history information based on the received payment approval result, and stored The purchase pattern analysis module 32 analyzes the purchase pattern based on the purchase history information and generates the analysis result.

The purchase induction unit 40 generates purchase prediction information, which is information on sellers selling services that are more likely to be purchased by the user, and induces the user's buying behavior based on this. To this end, the purchase induction unit 40 predicts a user's next purchase behavior based on the user location provided from the user location confirmation unit and the analysis result provided from the purchase pattern analysis unit, and selects a purchase induction sales company based on this.

Purchasing induction unit 40 according to an embodiment of the present invention may predict a buying behavior based on various methods as follows, and may select a purchase inducing seller based on this.

1) Induce the purchase of a retailer that sells the most purchased services among the services that the user has purchased so far, among the services that the user expects to purchase based on at least one of the user's purchase propensity and purchase flow. We choose to sell.

2) From among the retailers providing services expected to be purchased by the user, which are predicted based on at least one of the user's purchase propensity and the purchase line, select the retailer closest to the user's current location as a purchase inducing retailer.

3) From among vendors who provide services expected to be purchased by the user, which are predicted based on at least one of the user's purchase propensity and purchase line, select sellers located within a set distance from the user's current location, and select the user from among the selected vendors. Selects the vendor that sold the most-purchased service as the purchase inducing vendor.

4) Among vendors providing services expected to be purchased by the user, which are predicted based on at least one of the user's purchase propensity and purchase copper, select sellers located within a set distance from the user's current location, and among the selected vendors Choose a source of incentives that offers effective events or coupons.

Using one of the methods described above, or a combination of the above described methods, the user can predict the next purchase behavior of the user and select a vendor. In addition, a person skilled in the art may select a purchase induction seller using various methods based on the analysis result of the purchase pattern analyzer 30.

Meanwhile, the information combination processing unit 50 combines the payment approval result of the user and the information on the selected purchase induction seller and processes it in a form that can be transmitted. To this end, the information combination processing unit 50 may induce purchase-related sales information from the sales company database 12, for example, sales-related information including a service, a sales name, a contact information, etc. provided by the sales office, sales benefits information such as coupons and events, Information collection module 51 for collecting at least one of the advertising content of the retailer, the map information collection module for collecting map data including a moving path from the map database 14 to the purchase-driven sales office based on the current location of the user (52), a combination module 53 for generating purchase induction information by combining the information related to the purchase induction sales company and the map data collected by the collection module, and set by combining the generated purchase induction information and the payment approval result A transmission processing module 54 for processing in accordance with the transmission format to generate transmission information. In particular, the transmission processing module 54 according to an embodiment of the present invention processes the purchase induction information in the form of a multimedia message, so that the information on the purchase and sales source can be displayed more diversely and effectively.

The phone number extracting unit 60 extracts the phone number of the mobile terminal registered by the user who has requested the payment approval from the user database 11 and provides it to the transmitting unit 70.

Therefore, the transmission unit 70 transmits the transmission information including the purchase induction information generated by the purchase induction unit 40 and the payment approval result to the mobile terminal having the provided telephone number. As a result, the user can check the payment approval result for the currently purchased service on the basis of the transmission information, and move on the basis of the purchase induction information to purchase additional services.

The structure of the card settlement notification system 100 according to the present embodiment is classified according to its processing function, and is not limited to the above-described one. For example, the transmission unit or the purchase induction unit may directly extract the telephone number from the user database 11 without using the telephone number extraction unit. Alternatively, the card payment notification system 100 may further include a separate web server or a swap server that operates a predetermined homepage, and user-related information (for example, a mobile terminal may be accessed when the terminal is accessed through an internet backbone network). Phone number, etc.) can be confirmed and corrected.

On the other hand, the card payment notification system according to an embodiment of the present invention having a structure as described above can perform the notification of the payment approval result in connection with various devices.

3 is an exemplary view showing a network connection state of a card payment notification system having a structure as described above.

As shown in FIG. 3, the card payment notification system 100 according to an embodiment of the present invention includes a plurality of network 210 (optionally including all wired and wireless networks, such as the Internet, a wireless communication network, and a future network). It is connected to the payment server 300 of the card company, it may also be connected to the carrier server 400 of a plurality of mobile carriers. In this case, the card payment notification system 100 may be connected to the payment server 300 or / and the carrier server 400 by a separate dedicated line.

The payment server 300 is operated by a card company such as a credit card, a financial institution such as a bank, and performs an approval for a payment request for each issued card (credit card or debit card, etc.). To this end, the card server 300 stores and manages information on affiliated stores, information on users who issued the card, card payment processing information, and the like for each issued card, and performs payment approval based on such information. .

The telecommunication company server 400 operated by the mobile telecommunication company determines the transmission information including the purchase induction information generated in the system 100 and the payment approval result in connection with the card payment notification system 100 according to an embodiment of the present invention. Process the data to a predetermined mobile terminal.

On the other hand, the payment server 300 and the carrier server 400 performing this function is connected to a plurality of user terminals 500 through the network 220, the system 100 according to an embodiment of the present invention card payment history Allow notification to be carried out.

The user terminal 500 is a communication device capable of transmitting and receiving data by connecting to a server through a network 220, and specifically, a wired terminal including a computer that can be connected to the network 220 by wire, a TV that can access the Internet, and the like. Or a wireless terminal including a mobile phone, a PDA, etc. that can wirelessly connect to the network 220. In this case, the user terminal 500 is largely divided into a seller terminal 510 and a purchaser terminal 520. The seller terminal 510 may be a device managed by a card merchant that is a seller, and may be, for example, a server of a site that provides a predetermined service online or a card terminal of a merchant that provides a predetermined service offline. The purchaser terminal 520 is a mobile terminal registered in a card of a user who has requested a card payment from a predetermined seller.

As described above, the card payment notification system 100 according to an embodiment of the present invention, in connection with the payment server 300 and the telecommunication company server 400, provides a payment approval result to a user who has performed a card payment at a predetermined retailer. Induces purchase behavior by providing purchase induction information while transmitting. The card payment notification system 100 is not limited to the one connected to FIG. 3, and may be implemented in a form included in the payment server 300 or in a form included in the communication company server 400. Or it may be implemented in a form that is included in the Ven (VAN) operator network not shown. Those skilled in the art can implement the card payment notification system according to the embodiment of the present invention in various forms on the network based on the structure shown in FIG. 2, the detailed description thereof will be omitted here.

Next will be described in more detail with respect to the card payment notification method according to an embodiment of the present invention based on this structure.

4 is a flowchart illustrating a card payment notification method according to an exemplary embodiment of the present invention, and FIG. 5 is an operation connection state diagram showing an operation performed between components in a notification of payment. Here, the card payment notification method will be described using an example in which the card payment system 100 according to the embodiment of the present invention is implemented on a network as shown in FIG. 3. However, the method according to the invention can be equally applied when the system is implemented on the network in other forms as described above.

When a user who purchases a predetermined service provided by an online retailer or an online retailer (hereinafter referred to as a buyer) requests a card payment, the seller terminal 510 transmits the card payment related information to the payment server 300. While providing a request for payment approval (S100). Here, the card payment related information may include a card number, a payment amount, a purchased service, seller identification information, and the like.

In response to a payment approval request from the seller terminal 510, the payment server 300 performs payment approval based on the card payment related information, and provides the approval result to the card payment notification system 100 according to an embodiment of the present invention. (S100). In this case, when a separate VAN provider network is formed between the payment server 300, the terminals 510 and 520 and the card payment notification system 100, the payment server 300 and the terminals 510 and 520 through the VAN provider network. Information transmission and reception between, and information transmission and reception between the payment server 300 and the system 100 may be made. Since the card result process is a technique known in the art, detailed description is omitted here.

On the other hand, the payment approval result includes card number, payment amount, purchased service, vendor identification information, and whether the approval is indicated by the approval permission or no authorization. Alternatively, if the payment server 300 and the payment notification system 100, for the convenience of information management for the card users, if a separate identification number is given to the users other than the card number, the user's identification number is settled. The identification number of the user may be included in addition to the authorization result or in place of the card number.

The purchase pattern analysis unit 30 of the card payment notification system 100 stores the received payment approval result. Specifically, the purchase pattern analysis unit 30 generates the purchase history information of the buyer based on the payment approval result, and then stores it in the purchase history database 12. Save (S120). Purchase history information may include the purchased service, vendor identification information, and payment amount.

In order to notify the next payment approval result, the user location confirmation unit 20 of the card payment notification system 100 confirms the current location of the buyer (S130). To this end, the user location checking unit 20 extracts the user identification number, that is, the mobile terminal telephone number corresponding to the card number from the user database 11, as shown in FIGS. 4 and 5, and then extracts the extracted telephone number. The service provider requests the location check while providing the server 400. Accordingly, the communication company server 400 measures the location of the mobile terminal having the phone number and provides corresponding location information to the user location determiner 20 (S131).

In addition, the purchase pattern analysis unit 30 of the card payment notification system 100 analyzes the purchase pattern of the buyer based on a plurality of purchase history information accumulated and stored corresponding to the user identification number from the purchase history database 13 (S140). S150). In particular, the purchase pattern analysis unit 30 analyzes the purchase history information and includes information such as purchase propensity, a service that is expected to be purchased, and a purchase line indicating a path where a purchase of a predetermined service is expected while the buyer moves from the current location. Generate a result (S160).

Next, the purchase induction unit 40 predicts the next purchase behavior of the user based on the user location provided from the user location confirmation unit and the analysis result provided from the purchase pattern analyzer. Then, based on the predicted result, a purchase inducing seller is selected. Thereafter, the information combination processing unit 50 of the card settlement notification system 100 receives information related to a purchase destination selected from the retailer database 12 in the above step, for example, a service including a service provided by the retailer, a vendor name, a contact number, and the like. Collect at least one of information, coupons, events, such as retailer benefit information, advertising content of the vendor. The map data 14 collects map data including a moving path from the map database 14 to the purchase guide shop based on the current location of the buyer. Next, the information combination processing unit 50 generates purchase induction information by combining the collected information related to the purchase induction dealer and the map data (S170).

 Then, the transmission information is generated by combining the generated purchase induction information and the payment approval result (S180). The transmission information generated as described above is transmitted to the communication company server 400 by the transmission unit 70 together with the mobile terminal telephone number of the buyer (S190). In this case, when the user location is confirmed based on the purchaser's mobile terminal phone number, the phone number extracting unit 60 may not perform a process of extracting the purchaser's mobile terminal phone number. On the other hand, when the user's location is confirmed based on other information instead of the mobile terminal of the predetermined telephone number, the phone number extracting unit 60 performs a process of extracting the purchaser's mobile terminal number, and then extracts the telephone number accordingly. May be delivered to the communication company server 400 together with the transmission information.

As described above, the communication company server 400 transmits the transmission information to the purchaser's terminal 520, which is a mobile terminal having the corresponding phone number (S200), and in particular, processes and transmits the transmission information in the form of a multimedia message. Accordingly, as illustrated in FIG. 1, the purchaser's terminal 520 displays various types of information (purchase induction information) about a service that the buyer is most likely to purchase next along with the payment approval result for the currently purchased service. do. In particular, the map data indicating the moving path from the current location to the selling place is displayed together with the detailed information on the buying guide selling place, so that the user can easily move to the next selling place.

Meanwhile, in the above-described embodiment, the purchase induction information generated based on the prediction of the purchase behavior of the user may be transmitted to the mobile terminal together with the payment approval result only when the card payment is approved.

In addition, in the above-described embodiment, one purchase inducing sales company is selected based on the result of predicting the user's next purchase inducing behavior, and the purchase induction information related thereto is generated and provided to the user. The purchase induction information related thereto may be generated and provided to the user.

Although specific embodiments of the present invention have been described so far, various modifications are possible without departing from the scope of the present invention. For example, the card payment notification method may be implemented in the form of a program stored in a computer-readable recording medium. The recording medium may include any kind of recording device that stores data that can be read by a computer. For example, a CD-ROM, a magnetic tape, a floppy disk, and the like may be used. Included is implemented in the form of).

Although the preferred embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

According to this embodiment of the present invention, the following effects are provided.

First, by predicting the next purchase behavior in real time for the user who made the payment using the card and by sending the purchase induction information generated based on the payment approval result according to the card payment, it is possible to effectively induce the user's purchase behavior. Can be.

Second, the purchase behavior prediction is made based on the position of the user who made the card payment, and the purchase induction information based on this is provided to the user, thereby efficiently inducing the purchase behavior of the user.

Third, by including and transmitting the advertisement contents related to the selected purchase induction sales agent in the purchase induction information, an efficient advertisement marketing effect can be obtained from the point of sale.

Fourth, by transmitting together the map data for the selected purchase induction sales destination in the purchase induction information, the user can move to the next purchase more easily, and as a result more effective induction of purchase.

Fifth, the purchase induction information and the payment approval result are processed and provided to the user in the form of a multimedia message, so that the purchase induction information can be expressed more variously. As a result, the user is more easily stimulated for the next purchase, thereby maximizing the advertising effect and can expect to increase the sales force according to the purchase.

Claims (17)

In a method of notifying the user's mobile terminal of the card payment history in a system connected to a payment server through a network, a) receiving, by the system, a payment approval result according to a predetermined user's card payment from a payment server; b) the system confirming the location of the user; c) the system analyzing the accumulated purchase history information of the user to predict the next purchase behavior of the user; d) the system extracting a phone number of the user's mobile terminal; e) the system generating purchase incentive information based on at least one of the user's location and the predicted result; And f) combining the purchase induction information and the payment approval result and transmitting the combined information to the mobile terminal having the extracted telephone number; Card payment notification method comprising a. The method of claim 1 The step b) is to identify the location of the mobile terminal of the user, the card payment notification method for using as the location of the user. The method of claim 1 And c) predicting a user's purchase behavior to generate purchase prediction information, which is information about sellers selling services that the user is likely to purchase next. The method of claim 3, Step c) c-1) generating purchase history information based on the payment approval result and storing it in a purchase history database; c-2) Analyzing the purchase history information accumulated and stored in the purchase history database, the user indicating the purchase tendency of the user, the service expected to be purchased, the path that the user is expected to purchase a certain service while moving from the current location Generating an analysis result including at least one of the purchase copper of the; And c-3) predicting the next purchase behavior of the user based on the analysis result, and generating purchase prediction information, which is information on the sellers selling the service that the user is likely to purchase next; Card payment notification method comprising a. The method of claim 4 The c-3) step of the card payment notification method for generating the purchase prediction information that is information on the sellers who sell the service that the user is likely to buy the next time based on the analysis result and the confirmed user location. The method of claim 3, Step e) e-1) selecting at least one purchase-inducing vendor from among vendors selling services that the user is likely to purchase next; And e-2) generating purchase induction information by collecting information related to the selected purchase induction seller Card payment notification method comprising a. The method of claim 6 Step e-1) Buying outlets that sell the most-purchased services you've purchased so far are the ones that offer the services you're expected to buy, predicted based on at least one of your purchasing preferences and purchase paths. Selecting; Selecting a vendor closest to the user's current location as a purchase inducing seller from among vendors providing services expected to be purchased by the user, which are predicted based on at least one of a user's purchase propensity and a purchase line; From among vendors offering services expected to be purchased by the user, which are predicted based on at least one of the user's purchase propensity and purchase flow, select sellers located within a set distance from the user's current location, and among the selected vendors Selecting a seller who sells a lot of purchased services as a purchase induction seller; And Among vendors offering services expected to be purchased by the user, which are predicted based on at least one of the user's purchase propensity and purchase flow, select vendors located within a set distance from the user's current location, and among the selected vendors, the most benefit. Selecting a vendor that provides a purchase as an incentive vendor Card payment notification method comprising any of. The method according to claim 1 or 7, Acquiring vendor-related information related to the purchase incentive vendor; Acquiring vendor benefit information related to a predetermined benefit including a coupon and an event provided by the purchase inducing dealer; Acquiring advertisement content related to the purchase incentive seller; And Generating purchase induction information including at least one of the acquired seller-related information, vendor benefit information, and advertisement content. Card payment notification method further comprising. The method of claim 8, Acquiring map data including a movement route to the purchase-inducing seller based on the current location of the user, And the purchase induction information is generated by combining the map data with at least one of the acquired seller-related information, seller benefit information, and advertisement content. The method of claim 1, In step f), the payment information combining the purchase induction information and the payment approval result is processed as a multimedia message and transmitted to the mobile terminal. In a system connected to a payment server through a network to notify the user's mobile terminal of the card payment history, A purchase history database for storing accumulated purchase history information of the user; A user location checking unit for checking a location of a predetermined user; A purchase pattern analysis unit configured to receive a payment approval result of the user provided from the payment server, store it in the purchase history database, analyze a purchase pattern based on the purchase history information stored in the purchase history database, and generate the analysis result; A purchase induction unit for predicting a next purchase behavior of the user based on the analysis result and selecting at least one purchase induction seller based on the predicted result; An information combination processor configured to generate purchase induction information about the purchase induction dealer and to generate transmission information by combining the generated purchase induction information with the payment approval result; A telephone number extracting unit which checks the mobile terminal telephone number of the user; And Transmission unit for transmitting the transmission information to the mobile terminal having the telephone number Card payment notification system comprising a. The method of claim 11, The purchase pattern analysis unit A payment history receiving module configured to receive the payment approval result; An information generation module for generating purchase history information based on the received payment approval result and storing and managing the purchase history information in the purchase history database; And Purchase pattern analysis module for analyzing a user's purchase pattern based on the purchase history information stored in the purchase history database and generates the analysis result Card payment notification system comprising a. The method of claim 11, A distributor database storing a plurality of pieces of information related to each vendor; A map database in which map data for each region is stored; And User database that stores user information, including mobile phone number for each user Card payment notification system comprising more. The method of claim 13, The information combination processing unit An information collection module that collects information related to a purchase-induced vendor from the vendor database; A map information collection module for collecting map data including a moving route from the map database to the purchase induction sales office based on the current location of the user; A combination module for generating purchase induction information by combining the map data and the information related to the purchase induction sales company collected by the collection modules; And Transmission processing module for generating transmission information by combining the generated purchase induction information and the payment approval result Card payment notification system comprising a. The method according to claim 14, Information related to the distributor Card payment notification system comprising at least one of a service provided by the retailer, information related to the retailer including the name of the vendor, coupons, merchant benefit information including the event, advertising content of the vendor. The method according to any one of claims 11 to 15, The purchase induction unit, the card payment notification system that selects the closest sales representative close to the current location of the user from the retailers providing services that the user is expected to purchase. The method according to any one of claims 11 to 15, The purchase induction unit selects sellers located within a set distance from the user's current location among the sellers providing services expected to be purchased by the user, and induces a seller who sells the service that the user has most purchased from among the selected vendors. Card payment notification system that you choose as a distributor.

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