KR20130083029A - Card recommendation system, user terminal and card recommendation method using the same - Google Patents

Abstract

According to an embodiment of the present invention, a user terminal includes a user interface unit for receiving at least one of a card recommendation application execution request, a card information possessed by a user, merchant information to be paid by a user, and usage amount information to be paid by the user. A card information management unit that registers and manages card information, calculates a discount amount or credit points for each card applicable at the merchant based on the card information, the merchant information, and the use amount information, and calculates a card recommendation list based on the calculation result. And a display unit for displaying the card recommendation list.

Description

Card recommendation system, user terminal and card recommendation method using same {CARD RECOMMENDATION SYSTEM, USER TERMINAL AND CARD RECOMMENDATION METHOD USING THE SAME}

The present invention relates to a card recommendation system, a user terminal and a card recommendation method using the same.

Recently, a credit or check card is more commonly used as a payment method than cash. Thus, a user may receive and use several credit cards or check cards. In addition, when a user becomes a membership of a company such as a communication company or a restaurant, a user may receive a membership card from the company.

Meanwhile, card companies provide various benefits for each card. In other words, each merchant has different merchants for which discounts or points are earned, and the discount rate or points accumulation rate is different. In addition, the company may provide a discount or a point accumulation benefit to a user having a membership card.

However, when the user has a large number of cards, it is difficult for the user to grasp the benefits of all the cards in his possession. In addition, since the benefits provided by different merchants, it is cumbersome to find a card that allows the user to get the best benefits from the cards they possess at every payment. Therefore, the user may not fully enjoy the various benefits provided by the card company or the company that issued the membership card.

Accordingly, there is a need for a method of automatically calculating a discount or a point accumulation benefit that can be received at a corresponding merchant from a card history possessed by a user and informing the user.

The technical problem to be solved by the present invention is to provide a card recommendation system, a user terminal and a card recommendation method using the same.

According to an aspect of the present invention, a user terminal includes a user interface unit for receiving at least one of a card recommendation application execution request, a card information possessed by a user, merchant information to be paid by a user, and usage amount information to be paid by the user; A card information management unit that registers and manages information, calculates a discount amount or earning points for each card applicable at the merchant based on the card information, the merchant information, and the use amount information, and generates a card recommendation list based on the calculation result And a display unit for displaying the card recommendation list.

The card information management unit may further store information on discounts or accumulated benefits for each card.

The user terminal may further include a merchant information recognition unit for recognizing merchant information to be paid.

The merchant information recognizing unit may be one of a location information recognizer, a barcode scanner, and a QR code scanner.

The controller may generate the card recommendation list by reflecting the user's preference for discount or accumulation.

Card recommendation system according to an aspect of the present invention is a transceiver for receiving the card information that the user possesses, the merchant information to be paid by the user and the amount of use information to be paid from the user terminal, the discount for each card or credit information A card information management unit for storing, a terminal information storage unit for storing the card information possessed by the user for each terminal, the card information possessed by the user, the merchant information, the use amount information and the discount or accumulation benefit information for each card And a calculator configured to calculate a discounted amount or a savings point for the card for each terminal using at least one of the terminals, and a recommendation list generator configured to generate a recommendation list based on the calculation result.

The transceiver may transmit the recommendation list to the user terminal.

The card information management unit may receive the discount or accumulation benefit information for each card from the card company system or the company system that issued the membership card or from the user terminal.

The recommendation list may include at least one card combination listed in the order of expected payment costs, in the order of the discount amount, or in the order of earning points.

Card recommendation method of the user terminal according to an aspect of the present invention comprises the steps of receiving the card information carried by the user through the user interface unit, recognizing the merchant information to be paid, the use amount to be paid through the user interface Calculating a discounted amount or a savings point for each card applicable to the affiliated store based on the input information, the card information, the affiliated store information, and the use amount information, generating a recommendation list based on the calculation result; And displaying the recommendation list on the screen.

Recognizing affiliated store information may include recognizing a location of the user terminal or scanning a barcode or a QR code for identifying an affiliated store.

The card recommendation method may further include receiving preference information on a discount or an accumulation through the user interface unit.

The recommendation list may include at least one card combination in order of discount amount or in order of earning points by reflecting preference information about the discount or accumulation.

According to an embodiment of the present invention, when a user wants to make a payment at an affiliated store, the user can automatically recommend a card that can receive an optimal benefit among the credit card, check card, or membership card that the user possesses. Accordingly, the user can fully enjoy the effect of the discount or point accumulation. It is also possible to activate transactions using the card.

1 is a diagram schematically illustrating a service environment to which a card recommendation method according to an embodiment of the present invention is applied.
2 is a block diagram illustrating a structure of a user terminal according to an embodiment of the present invention.
3 is a block diagram showing the structure of a card recommendation system according to an embodiment of the present invention.
4 is a flowchart illustrating a card information registration method of a user terminal according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a card recommendation method of a card recommendation system according to an exemplary embodiment of the present invention.
6 is a flowchart illustrating a card recommendation method of a user terminal according to an exemplary embodiment of the present invention.
7 to 12 illustrate an example in which a card recommendation method according to an embodiment of the present invention is implemented in a user terminal.
13 is a schematic diagram of a card recommendation system 900 according to one embodiment of the invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. 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 said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

In this specification, a terminal includes a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS), a user equipment , An access terminal (UE), an access terminal (AT), and the like, and may include all or some of functions of a mobile station, a mobile terminal, a subscriber station, a mobile subscriber station, a user equipment,

Hereinafter, a card recommendation system, a user terminal, and a card recommendation method using the same according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram schematically illustrating a service environment to which a card recommendation method according to an embodiment of the present invention is applied.

Referring to FIG. 1, a service environment to which the present invention is applied includes a user terminal 100 and a card recommendation system 200.

The user terminal 100 may be a smart phone, which downloads and installs and executes an application. It is assumed that the user terminal 100 has a card recommendation application installed. Here, the card recommendation application may be operated independently or may be operated as some function of another application.

The user terminal 100 may register card information possessed by the user after executing the card recommendation application. In addition, the user terminal 100 may recognize the merchant information that the user intends to pay, receive an input amount of money, and inquire the expected payment amount based on the registered card information.

The card recommendation system 200 may register card information possessed by the user from the user terminal 100 and manage information about benefits for each card. When requested by the user terminal 100, the card recommendation system 200 may extract and recommend a card that can benefit from a specific merchant from among the cards possessed by the user.

2 is a block diagram illustrating a structure of a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 100 includes a user interface unit 110, a merchant information recognition unit 120, a card information management unit 130, a controller 140, a display unit 150, and a transceiver unit 160. Include.

The user interface 110 may receive a card recommendation application execution request from the user and receive at least one of card information possessed by the user, merchant information to be paid by the user, and use amount information.

Merchant information recognizing unit 120 recognizes the merchant information to be paid by the user. When the user recognizes the affiliated store through location information, the affiliated store information recognizer 120 may be implemented through a global positioning system (GPS). When the affiliate store is recognized through a barcode or QR code capable of identifying the affiliate store, the affiliate store information recognizing unit 120 may be implemented through a barcode scanner or a QR code scanner.

The card information manager 130 registers and manages card information possessed by the user. The card possessed by the user may be a membership card as well as a credit or check card. The card information manager 130 may store and manage not only information on card types but also information on discounts or points earning benefits for each card. Information on the discount for each card or the point accumulation benefit may be input through the user interface unit 110, received from a card company system (not shown), or received from the card recommendation system 200.

The controller 140 controls the overall operation of the user terminal 100. In particular, the controller 140 may be configured to execute a card recommendation application and to query a benefit that a user can receive using the card information possessed by the user, or to transmit an inquiry request to the card recommendation system 200. have. The controller 140 may be set to extract a recommendation list to be provided to the user.

The display unit 150 provides a card list registered in the user terminal 100. In addition, the display unit 150 provides a screen for receiving an input amount of use, and provides a screen displaying a discount or a benefit for earning points provided for each card.

The transceiver 160 transmits card information possessed by the user to the card recommendation system 200, and receives a recommendation list from the card recommendation system 200.

3 is a block diagram showing the structure of a card recommendation system according to an embodiment of the present invention.

Referring to FIG. 3, the card recommendation system 200 includes a transceiver 210, a card information storage unit 220, a terminal information storage unit 230, a discount / earning operation unit 240, and a recommendation list generation unit 250. It includes.

The transceiver 210 receives the card information, the affiliated store information, and the use amount information possessed by the user from the user terminal 100. In addition, the transceiver 210 transmits the recommendation list to the user terminal 100 from the card information, the merchant information, and the use amount information. In addition, the transceiver 210 may receive card-specific benefit information from a card company system (not shown) or a company system (not shown) that issued a membership card.

The card information storage unit 220 stores benefit information for each card. The card-specific benefit information may be, for example, information on a card-specific discount or point accumulation benefit. Benefit information for each card may be received from the user terminal 100 or may be received and stored from a card company system or a company system that issued a membership card. The card-specific benefit information may further store affiliate information that provides benefits.

The terminal information storage unit 230 stores card information for each terminal. The card information for each terminal means information about a card registered as possessed by a user from the user terminal 100.

The discount / establishment calculator 230 calculates a discounted amount or a credit point by using card information for each terminal stored in the terminal information storage unit 220 and benefit information for each card stored in the card information storage unit 220. The discount / establishment calculator 230 may calculate a discount amount or earn points for all cards registered for each terminal.

The recommendation list generating unit 250 generates a recommendation list based on the calculation result of the discount / establishment calculating unit 230. The recommendation list includes at least one card combination. The recommendation list may include a discounted amount or earned points for each card combination, or include an estimated payment cost. The recommendation list may include only some card combinations of the plurality of card combinations. That is, a plurality of card combinations may be listed in the order of the lowest expected payment cost, the order of the discount amount is the largest, or the order of the points accumulated in the largest order, and then only the top few card combinations may be included in the recommendation list. The order of listing may be based on the user preference received from the user terminal 100.

Hereinafter, a card recommendation method according to an embodiment of the present invention will be described. First, the card recommendation system 200 manages benefit information for each card, and the user terminal 100 exemplifies a case of requesting a card recommendation to the card recommendation system 200.

4 is a flowchart illustrating a card information registration method of a user terminal according to an exemplary embodiment of the present invention.

Referring to FIG. 4, after executing the card recommendation application in the user terminal 100 (S400), the user terminal 100 registers card information from the user through the user interface 110 (S410). Here, the card information includes card information possessed by the user. The card may be a membership card provided by a company to which the user is a member, as well as a credit card or a check card. The card information may further include benefit information for each card. For example, there are many companies that issue membership cards. Therefore, there is a limit to the card recommendation system 200 to collect the benefits of the membership card. Accordingly, the user may directly register the benefits of the membership card through the user interface 110 of the user terminal 100.

The user terminal 100 transmits the registered card information to the card recommendation system 200 (S420), and the card recommendation system 200 registers and manages the received card information for each terminal (S430). In addition, the card recommendation system 200 may store and manage card-specific benefit information from a card company system (not shown) or a company system (not shown) that issued a membership card.

On the other hand, if the user's preference for discounts or points earning is different, the user terminal 100 registers the preference information from the user via the user interface 110 (S440). The preference information for the discount or the point accumulation may be set for each card or for each user.

As such, when the preference information is registered in the user terminal 100, the user terminal 100 transmits preference information on discount or point accumulation to the card recommendation system 200 (S450) and the card recommendation system 200. In addition to the card information for each terminal registers and manages the preferred information (S460).

5 is a flowchart illustrating a card recommendation method of a card recommendation system according to an exemplary embodiment of the present invention.

Referring to FIG. 5, when the user terminal 100 executes a card recommendation application (S500), the user terminal 100 recognizes affiliate store information to be paid (S510). Merchant information may be recognized, for example, by scanning a barcode or QR code that can be recognized through location information or identify the merchant. Merchant information may be directly input by the user through the user interface 110.

In addition, the user terminal 100 receives an input amount of money from the user through the user interface 110 (S520). To this end, a screen for inputting a use amount may be exposed through the display unit 150 of the user terminal 100.

The user terminal 100 transmits a card recommendation request including the merchant information and the use amount to the card recommendation system 200 (S530). In this case, the user terminal 100 may further transmit identification information for identifying the user terminal 100.

The card recommendation system 200 uses benefit information for each card stored in the card information storage unit 220, card information for each terminal stored in the terminal information storage unit 230, and merchant information and use amount received from the user terminal 100. By calculating the discount amount or earn points for each card (S540). The card recommendation system 200 may calculate all the benefits that can be received at the affiliate store for each card registered in the card information for each terminal.

The card recommendation system 200 generates a recommendation list based on the calculation result (S550). The recommendation list includes at least one card combination. Here, the card combination includes at least one card. The recommendation list may include discount amount or earning point information for each card included in the card combination. The recommendation list may include estimated payment cost information for each card combination. The recommendation list may be listed in the order of the discount amount per card combination, in the order of the points to be accumulated, or in the order of the estimated cost of payment. The order of listing of the recommendation list may be set differently according to the preference of the user.

The card recommendation system 200 provides the generated recommendation list to the user terminal 100 (S560).

Next, a case in which the user terminal 200 directly generates a recommendation list will be described.

6 is a flowchart illustrating a card recommendation method of a user terminal according to an exemplary embodiment of the present invention. Here, since the contents of registering the card information in the user terminal 100 is the same as the steps S400 to S410 of FIG. 4, duplicate description thereof will be omitted. Information on the benefit for each card may be directly input by the user through the user interface 110 of the user terminal 100. Information about benefits for each card may be received from the card company system or the company system that issued the membership card through the transceiver 160.

Referring to FIG. 6, when the user terminal 100 executes a card recommendation application (S600), the user terminal 100 recognizes affiliate store information to be paid (S610). Merchant information may be recognized, for example, by scanning a barcode or QR code that can be recognized through location information or identify the merchant. Merchant information may be directly input by the user through the user interface 110.

In addition, the user terminal 100 receives an input amount of money from the user through the user interface 110 (S620). To this end, a screen for inputting a use amount may be exposed through the display unit 150 of the user terminal 100.

When the card recommendation request is received from the user through the user interface unit 110 of the user terminal 100 (S630), the control unit 140 of the user terminal 100 may register card information registered for the user terminal 100, card by card. Using the benefit information, the merchant information and the use amount recognized by the user terminal 100 calculates a discount amount or earned points for each card (S640). The user terminal 100 may calculate a discounted amount or points for all the cards applicable at the affiliated store among the registered card information.

In operation S650, the user terminal 100 generates a recommendation list based on the calculation result, and provides the generated recommendation list to the user through the display unit 150.

7 to 12 illustrate an example in which a card recommendation method according to an embodiment of the present invention is implemented in a user terminal.

When the card recommendation application is executed, the user terminal 100 displays the registered card list on the screen as shown in FIG. 7. When the screen is scrolled through the user interface unit 110, the input amount input field is exposed as shown in FIG. After tapping the usage amount input box, input the usage amount as shown in FIG. 9 and tap the expected payment result, and a recommendation list is displayed on the screen as shown in FIG. Thereafter, as shown in FIGS. 11 and 12, various information may be obtained by scrolling or flicking the screen from side to side.

If the user prefers one of discounts or points accumulation, the user may select a discount priority tab or an accumulation priority tab exposed on the upper portion of the screen of FIG. 7 through the user interface 110. Accordingly, the user terminal 100 may generate and display a recommendation list on a screen in a priority of a discount or a priority of accumulating.

At least some functions of the card recommendation method and system according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Hereinafter, an embodiment in which a card recommendation system is coupled to a computer system will be described in detail with reference to FIG. 13.

13 is a schematic diagram of a card recommendation system 900 according to an embodiment of the present invention. The card recommendation system includes a transceiver, a card information storage unit, a terminal information storage unit, a discount / reservation calculation unit, and a recommendation list generation. Represents a system that can be used to perform at least some of the minor functions.

Referring to FIG. 13, the account transfer system 900 may include a processor 910, a memory 920, at least one storage device 930, an input / output (I / O) interface 940, and a network interface ( 950).

The processor 910 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, or the like. The memory 920 may be any suitable medium such as RAM, such as dynamic random access memory (DRAM), random access memory (RAM) DRAM, synchronous dynamic random access memory (SDRAM), static random access memory (SRAM) . ≪ / RTI > The storage device 930 may include a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, and a DVD-RW disk. The optical disk may be implemented as a permanent or volatile storage device such as an optical disk such as a blu-ray disk, a flash memory, or various types of RAM. The I / O interface 940 also allows the processor 910 and / or the memory 920 to access the storage device 930. The network interface 950 allows the processor 910 and / or the memory 920 to access the network.

In this case, the processor 910 loads a program command for implementing at least some functions of the transceiver, the card information storage unit, the terminal information storage unit, the discount / earning operation unit, and the recommendation list generator in the memory 920, and the transceiver unit. At least some functions of the card information storage unit, the terminal information storage unit, the discount / earning operation unit, and the recommendation list generator may be located in the storage device 930 to control the operation described with reference to FIGS. 1 to 12. have.

The processor 910, the memory 920, the storage device 930, the I / O interface 940, and the network interface 950 illustrated in FIG. 13 may be implemented in one computer or distributed in a plurality of computers. It may be implemented.

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

Claims (13)

A user interface unit for inputting at least one of a request for executing a card recommendation application, information on a card owned by the user, information on merchants to be paid by the user, and usage amount information to be paid;
Card information management unit for registering and managing the card information,
A controller for calculating a discount amount or a savings point for each card applicable at the affiliate store based on the card information, the affiliate store information, and the use amount information, and generating a card recommendation list based on the calculation result;
Display unit for displaying the card recommendation list
Lt; / RTI > The method of claim 1,
The card information management unit further stores information on discounts or accumulated benefits for each card. The method of claim 1,
A user terminal further comprising a merchant information recognition unit for recognizing merchant information to be settled. The method of claim 3,
The merchant information recognizer is one of a location information recognizer, a barcode scanner, and a QR code scanner. The method of claim 1,
The control unit generates the card recommendation list reflecting the user's preference for discount or earning. Transmitting and receiving unit for receiving the card information, the merchant information to be paid by the user and the amount of use information to be paid from the user terminal,
Card information management unit for storing the discount or earning benefit information for each card,
A terminal information storage unit for storing card information possessed by the user for each terminal;
An operation unit that calculates a discounted amount or earned points for a card for each terminal by using at least one of the card information possessed by the user, the affiliated store information, the use amount information, and the discount or accumulation benefit information for each card; and
A recommendation list generator for generating a recommendation list based on the result of the calculation
Card recommendation system comprising a. The method according to claim 6,
And the transceiver unit transmits the recommendation list to the user terminal. The method according to claim 6,
The card information management unit receives the card-specific discount or accumulated benefit information from the card company system or the company system that issued the membership card, or from the user terminal card recommendation system. The method according to claim 6,
The recommendation list is a card recommendation system in which at least one card combination is listed in the order of expected payment costs, in the order of discount amount, or in the order of earned points. In the card recommendation method of the user terminal,
Receiving card information possessed by the user through the user interface unit;
Recognizing merchant information to be paid;
Receiving a usage amount to be paid through the user interface;
Calculating a discounted amount or earned points for each card applicable to the affiliated store based on the card information, the affiliated store information, and the use amount information;
Generating a recommendation list based on the operation result, and
Displaying the recommendation list on a screen;
Card recommendation method comprising a. The method of claim 10,
Recognizing the merchant information,
Scanning a barcode or QR code for recognizing a location of the user terminal or identifying an affiliate store
Card recommendation method comprising a. The method of claim 10,
Receiving the preference information for the discount or earning through the user interface unit
The card recommendation method further including. The method of claim 12,
The recommendation list is a card recommendation method in which at least one card combination is listed in the order of discount amount or in the order of earned points by reflecting the preference information for the discount or accumulation.

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