KR20150002155A - Apparatus for managing payment means - Google Patents

Abstract

The payment means management apparatus of the present invention includes a first unit for acquiring discount information of a payment payment means, and the first unit can standardize the discount information according to a setting rule and store the discount information.

Description

[0001] APPARATUS FOR MANAGING PAYMENT MEANS [0002]

The present invention relates to an apparatus for managing a payment means such as a credit card.

The user buys goods from a store or the Internet and pays for the goods by cash or credit card.

In the case of buying and selling goods, there is a payment action that uses cash or a credit card to pay for the goods, and a payment action that transfers the value of the money to the person who sells the goods. It is the basic economic activity accompanying financial transactions.

For reference, payment and settlement refers to the act of liquidating the bonds and debts between trading partners due to various economic activities such as real transactions and financial transactions through the transfer of value of money.

Payments are generally divided into cash and non-cash means of payment. In the past, cash was the main payment instrument, but the development of finance in the late 20th century led to a surge in the use of credit cards. In addition to the ease of settlement, credit cards are replacing cash payments with government policy support to ensure transparency in transactions. In recent years, electronic payment methods more convenient for users have been developed due to the development of information and communication technology, and general companies other than financial institutions are also utilizing various payment payment methods such as points and mileage

With the increase in payment methods, payment methods for each type of payment method are complex and diverse. So far, thousands of credit cards have been issued, and when you enter a credit card in Google or Naver search, you can view more than 300 card information. In particular, intense competition in the payment market continues to produce and change payment systems, including new value-added services. In addition, the linkage of payment methods between businesses such as credit cards and internet shopping malls and the discounts on the same group of large companies are further increasing the complexity of payment methods. In recent years, event marketing using discount coupons such as Internet service providers has been activated, and the payment settlement time in addition to the payment settlement method has become an important factor for the economic benefit of the user.

As such, it is almost impossible for users to make wise choices in accordance with economic interests in a complex and complex environment of payment methods / settlement methods. When dividing the economic entity for payment settlement into a user and a payment method provider, The satisfaction with the cost is low.

Korean Patent Laid-Open Publication No. 2012-0046376 discloses a method of locking (or releasing) a corresponding payment means through a network in the case of suspending (or reusing) the use of a payment means, for example, a mobile card, a smart card, ) Function is disclosed. However, techniques for inducing a user to make a choice that meets economic interests are not disclosed.

Korea Patent Publication No. 2012-0046376

The present invention is intended to provide a payment means management apparatus which guides a payment means suitable for a user.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are not intended to limit the invention to the precise forms disclosed. Other objects, which will be apparent to those skilled in the art, It will be possible.

The payment means management apparatus of the present invention includes a first unit for acquiring discount information of a payment payment means, and the first unit can standardize the discount information according to a setting rule and store the discount information.

The payment means management apparatus of the present invention includes a second unit for acquiring discount information of a settlement object used by the payment settlement means using payment information of the payment settlement means, The discount information can be obtained from the difference between the list price and the actual payment amount.

The payment means management apparatus of the present invention may include a third unit for acquiring settlement information of the payment settlement means, and the third unit may analyze the settlement information to obtain a settlement pattern of a user of the payment settlement means.

The payment means management apparatus of the present invention includes a fourth unit for guiding a first payment means corresponding to a payment pattern obtained from a third unit among a plurality of payment means, It is possible to guide the first payment means for reducing the settlement cost of the settlement pattern by comparing the discount information of each payment means.

The payment means management apparatus of the present invention may include a fifth unit for guiding the second payment means for grasping the settlement object and reducing the payment cost for the settlement object.

The payment means management apparatus according to the present invention comprises a first unit for acquiring discount information of the payment means, a second unit for acquiring discount information on the over-payment object used by the payment means, A third unit for acquiring a settlement pattern of a user of the payment settlement means, a fourth unit for guiding the first settlement means conforming to the settlement pattern using the discount information of the payment settlement means and the discount information of the settlement object, And a fifth unit for guiding a second payment means for reducing a payment cost for a settlement object to be purchased using the discount information of the payment settlement means and the discount information of the settlement object.

The payment means management device of the present invention can acquire the discount information of the payment means and can guide the optimal payment means to be used in a specific store by using the discount information.

As a result, according to the present invention, information on various payment means distributed by various suppliers can be reliably used, thereby reliably relieving the information asymmetry caused by the user not being aware of various discount information. As a result, users can effectively use provider-oriented payment systems such as credit card companies, financial institutions, telecommunication carriers, and distribution companies.

1 is a block diagram showing a payment means management apparatus according to the present invention.
2 is a block diagram showing a first unit constituting a payment means management apparatus of the present invention.
3 is a block diagram showing a second unit constituting the payment means management apparatus of the present invention.
4 is a block diagram showing a third unit constituting the payment means management apparatus of the present invention.
5 is a block diagram showing a fourth unit constituting the payment means management apparatus of the present invention.
6 is a block diagram showing a fifth unit constituting the payment means management apparatus of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The sizes and shapes of the components shown in the drawings may be exaggerated for clarity and convenience. In addition, terms defined in consideration of the configuration and operation of the present invention may be changed according to the intention or custom of the user, the operator. Definitions of these terms should be based on the content of this specification.

1 is a block diagram showing a payment means management apparatus according to the present invention.

1 may include a first unit 100, a second unit 200, a third unit 300, a fourth unit 400, and a fifth unit 500.

The payment means may be a credit card issued by various card companies, cash (including a check card corresponding to cash), a point provided at an Internet shopping mall, mileage, and the like.

The discount information of the payment means may include information on discounts offered by the credit card. In the situation where various credit cards are issued, it is practically difficult to recognize all the discounts offered by each credit card. Therefore, it is difficult to know whether using a credit card at the time of purchasing a goods is a great discount or whether using a credit card B is a great discount. Therefore, when purchasing the article a, the user actually makes a payment with the B credit card despite the large discount benefit of the A credit card.

In this way, the benefits that the user can enjoy can not be received due to the lack of information, and the profit of the refund will be enjoyed by the credit card issuer and the like.

The situation in which the information sharing between the supplier of the payment instrument and the user of the payment instrument is not smooth, and the situation where the user can not recognize the discount information of the payment instrument provided by the supplier can be referred to as information asymmetry have.

In order to solve the information asymmetry, the user has to acquire all of the discount information provided by each payment instrument, but this is practically impossible as described above.

In the present invention, a first unit 100 is provided which can eliminate information asymmetry on behalf of a user.

2 is a block diagram showing the first unit 100 constituting the payment means management apparatus of the present invention.

The first unit 100 can obtain the discount information of the payment settlement means.

The payment payment means may be a credit card, and the first unit 100 may obtain discount information of the credit card from the server of the provider who issued the credit card. For example, the first unit 100 may obtain discount information by screen scraping for extracting discount information of the payment payment means among data displayed on the display. In addition, various means such as acquiring discount information through an input unit such as a keyboard may be used.

The discount information may include supplier information, the name of the payment instrument, a discount benefit of the payment instrument, and a discount payment method. The first unit 100 may periodically acquire the discount information and update it with the latest information in consideration of the characteristics of the discount information that can be changed according to the business policy of the supplier.

The first unit 100 may include a first discount information extraction unit 110, a first discount information normalization unit 130, a first discount information storage unit 150, and a first discount information database 170 .

The first discount information extracting unit 110 may extract the discount information of the payment payment means disclosed on the Internet homepage of the provider. The supplier generally advertises the discount payment information of the payment means as well as advertisement of the payment means through the Internet homepage. The first discount information extracting unit 110 can obtain such discount information through a method such as screen scraping.

Discount information may be disclosed in various formats by supplier or payment instrument. Therefore, it is necessary to standardize discount information in order to use discount information disclosed in various formats.

The first discount information normalization unit 130 may standardize discount information obtained from one or more supplier servers according to a setting rule. The first discount information standardization unit 130 may set the categories, discounts (discount rate, flat rate, discount per lighter per mile, mileage etc.), discount limits (daily, monthly, yearly) You can organize it consistently.

For example, suppose that a supplier A issues an A1 card and an A2 card, the discount on the A1 card is 10%, and the discount on the A2 card is 1 million won.

At this time, the first discount information normalization unit 130 receiving the discount information from the first discount information extraction unit 110 can normalize the discount information as shown in Table 1 below.

Supplier name Credit card name category discount rate Cum discount A A1 car 10% - A A2 Vehicles → Cars - 1 million won

Looking at the same category for each card, the A1 card is advertised as an automobile and the A2 card is advertised as a vehicle. If the categories are different as described above, it is difficult to use the information later in other units, so that the same category can be unified into the same name. In Table 1, the vehicle is being unified by automobile.

In Table 1, the setting rule arranges each information in the order of provider name, credit card name, category, discount rate, and flat rate discount, and the automobile or vehicle is unified by automobile in the category. The first discount information normalization unit 130 may organize (standardize) the discount information of the payment means issued from one or more suppliers in accordance with the setting rule.

The first discount information storage unit 150 may store the discount information standardized by the first discount information standardization unit 130 in the first discount information database 170. [

The discount information stored in the first discount information database 170 can be used to guide the payment settlement means suitable for the settlement pattern of the user in the third unit 300 or the fourth unit 400. [

According to the first unit 100 described above, the discount information of the payment payment means issued by the supplier can be reliably obtained. However, the supplier at this time should be provided with a supplier server to which the first unit 100 can be connected.

Therefore, it is difficult for the first unit 100 to detect the discount information to be executed by a supplier, for example, a small shop, where the supplier server is not provided. The second unit 200 may be provided as a countermeasure thereto.

3 is a block diagram showing a second unit 200 constituting the payment means management apparatus of the present invention.

The second unit 200 can acquire the discount information of the settlement object in which the payment settlement means is used by using the settlement information of the payment settlement means. For example, the second unit 200 can obtain discount information from the difference between the fixed price indicated in the payment information and the actual payment amount.

For example, suppose that you buy a 1000-price product at a store that has a 10% discount on its own. If the user uses the A credit card and the supplier of the A credit card does not provide the discount for the a shop, the first unit 100 can not obtain the discount for the target.

However, the user will pay the 10,000 won bill for 9,000 won with the A credit card. As a result, you will receive a 10% discount. You need to check your payment history to confirm this. As a result, if the list price shown in the billing information is 10,000 won and the actual payment amount is 9000 won, it can be seen that there is a discount of 1,000 won, which is the difference between the two. The second unit 200 may store such discount benefits as discount information.

To this end, the second unit 200 may include a second discount information extracting unit 210, a second discount information storing unit 250, and a second discount information database 270.

The second discount information extracting unit 210 can extract the list price and the actual payment price from the payment details of the payment payment means. Since the payment payment means is used by the individual user, the payment details of the payment payment means may correspond to the user's personal information. Therefore, the second discount information extracting unit 210 can be driven only when the user has consent. If the user has consent, the second discount information extracting unit 210 can extract payment details by accessing the supplier server of the payment settlement unit in which the payment details are stored.

The second discount information storage unit 250 may store the discount information extracted by the second discount information extraction unit 210 in the second discount information database 270. [ At this time, the discount information may include a name of a store, a name of a settlement target, etc.

In some cases, the second unit 200 may include a means for standardizing the discount information acquired by the second discount information extracting unit 210.

According to the first unit 100 and the second unit 200 described above, the information on the discount benefit that the user can receive when using the payment payment means can be collected and managed. Accordingly, the user can easily acquire the discount information of the payment means, which is distributed to the first unit 100 or the second unit 200, scattered around.

Even if each user does not recognize the discount information of the various payment means in the first unit 100 or the second unit 200, the third unit 300, the fourth unit 400, The user can be guided to the payment method optimized by the user using the payment method 500.

4 is a block diagram showing a third unit 300 constituting the payment means management apparatus of the present invention.

In order to guide the user to an optimized payment instrument, he needs to check the payment pattern of the user who is using the payment instrument.

To this end, the third unit 300 can acquire settlement information of the payment settlement means. Since the payment information may be the personal information of the user who uses the payment means, it is necessary to first satisfy the regulations protecting personal information. For example, the third unit 300 may obtain the user's consent when acquiring personal information. The consent of the user may be displayed by displaying a guiding message that the payment information is to be used and by selecting a menu that the user agrees with the guiding content. To this end, the third unit 300 may generate data that can be displayed on a user's notebook, a laptop computer, a mobile terminal, and the like, and provide the data to the user terminal.

The payment information may be obtained from the server of the supplier that issued the payment means. When the user uses a plurality of payment methods, the third unit 300 can obtain payment information for all the payment methods of the specific user. To this end, the third unit 300 may be connected to a plurality of supplier servers.

The third unit 300 can acquire the payment pattern of the user of the payment payment means by analyzing the payment information thus obtained. The settlement pattern may be an amount that the user has paid in a specific category or store at regular time intervals such as a week, month, and the like.

The payment pattern of the user A acquired in the third unit 300 may be as shown in Table 2 below. For reference, the settlement pattern can be newly grasped every period of time such as a week, month, and the like.

category shop Amount used Communication a 50,000 oiling b 70,000 c 30,000 Mart d 150,000 e 30,000 traffic f 10,000 g 150,000 movie h 20,000 coffee i 30,000 education j 200,000 ... ... ...

In the case of oiling, a payment can be made in plural in a shop b for a month. The third unit 300 may combine the details of the settlement made by the plurality of times at the b-shop and combine them into one as 70,000 won. The sum of the amounts shown in Table 2 is 740,000 won.

The third unit 300 may include a settlement pattern extraction unit 310, a settlement pattern storage unit 350, and a settlement pattern database 370.

The settlement pattern extracting unit 310 can extract the settlement pattern from the payment details of the payment settlement means. The payment pattern extracting unit 310 may acquire the user's agreement in advance in order to confirm the payment details.

The settlement pattern storage unit 350 may store the settlement pattern extracted by the settlement pattern extraction unit 310 in the settlement pattern database 370. [ The payment pattern at this time may include the name of the payment means, the date and time of use, the name of the shop, the category, the payment amount, the discount amount, and the like.

The settlement pattern obtained in the third unit 300 may be used in the fourth unit 400 or the fifth unit 500.

5 is a block diagram showing a fourth unit 400 constituting the payment means management apparatus of the present invention.

The fourth unit 400 can guide the first payment means in accordance with the payment pattern of the user among the plurality of payment payment means.

The payment pattern of the user can be received from the third unit 300. [

There are a large number of payment instruments on the market. At this time, discounts of each payment instrument may be different. Therefore, when you have A credit card and B credit card as your payment methods, you may receive different discounts when you use A credit card and when you use B credit card. If the A credit card is matched to the A user, the fourth unit 400 can guide the A credit card to the first payment means.

Here, the fact that the payment payment means conforms to the payment pattern means that when the payment is made by the means, the amount that the user ultimately has to pay due to the discount, etc., decreases. The fourth unit 400 can extract the first payment means for reducing the settlement cost of the settlement pattern by comparing the discount information of each payment settlement means obtained from the first unit 100. [

The fourth unit 400 can calculate a reduction to reduce the total payment amount of the settlement pattern by matching the settlement pattern with the discount information of each credit card, and compare the respective reductions to extract the appropriate credit card.

For example, assuming that the settlement pattern of Table 2 is obtained, assume that the A credit card, the B credit card, the C credit card, and the D credit card have the following discount benefits.

A credit card: 20,000 won in a shop, 30,000 won in g shop, 100,000 won in j store

B credit card: 10,000 won at b store, 50,000 won at g shop, 40,000 won at j store

C credit card: 10,000 won at a store, 10,000 won at a store, 10,000 won at a store, 10,000 won at a store

D credit card: b shop 50,000 won

For the payment pattern shown in Table 2, A credit card has a discount of KRW 150,000, B credit card has a discount of KRW 100,000, C credit card has a discount of KRW 40,000, D credit card has a discount of KRW 50,000 .

At this time, the fourth unit 400 can guide the user to the A credit card which reduces the maximum amount of 150,000 won for the settlement pattern.

Table 3 summarizes the discount benefits of the above A credit card or D credit card.

a shop b shop g shop j shop Total discount amount A credit card 20,000 won 30,000 won 100,000 won $ 150 B credit card 10,000 won 50,000 won 40,000 won 100,000 won C credit card 10,000 won 10,000 won 10,000 won 50,000 won 80,000 won D credit card 50,000 won 50,000 won

Meanwhile, the fourth unit 400 may guide one or more of the first payment means. At this time, each of the first payment means may reduce the settlement cost to the maximum for each item of the settlement pattern. Here, the item of the settlement pattern may be a category or a store of Table 2. [

If a payment pattern item is a store, a credit card that offers the most discount of 20,000 won at a store, a D credit card that offers 50,000 discount at b store, and a discount of 50,000 won at g store B credit card, and j store, A credit card providing a discount of 100,000 won may be displayed. In summary, if a duplicate item is arranged, it is possible to inform the user that a credit card A when using a shop and a j store, a D credit card when using a b shop, and a B credit card when using a g shop are advantageous.

Of course, if you only have one credit card, you will be guided to the A credit card with the most discount for all stores.

The A, B, and D credit cards guided in the above embodiments may be selected from among the credit cards issued to the user on the market. Accordingly, the user can reliably receive a credit card corresponding to his / her payment pattern among the credit cards issued on the market.

For convenience of the user, the first payment means may be selected from payment payment means issued in the name of the user who is the subject of the payment pattern.

In the above example, if the user having the settlement pattern of Table 2 has received the C credit card, the E-credit card having no discount for the a-shop or the j-shop in his own name, the fourth unit 400 transmits the C credit card You can guide them to use.

Of course, the fourth unit 400 can display all of the A credit card, the B credit card, the C credit card, and the D credit card and indicate that the C credit card is within the range of the credit card issued in the user name .

The fourth unit 400 includes a formatting unit 410, a candidate recommendation unit 420, a combination unit 430, a mapping unit 440, a combination recommendation unit 450, a shop recommendation unit 460, ), And a consulting unit 480.

The typing unit 410 may analyze the settlement pattern and sort each detail of the settlement pattern by the monthly usage result amount, category usage amount, and the like.

The candidate recommendation unit 420 may display the number of the payment means candidates and recommend the candidate payment means. The number of payment instrument candidates can be calculated by using the user's monthly usage amount and the category with high usage.

It is possible to simulate the payment payment means by increasing the monthly payment performance amount section and the category in the payment pattern database 370 and to set the number of payment payment means of the inflection point which does not increase the discount amount even if the number of payment payment means increases . In addition, the candidate recommendation unit 420 may set the payment methods having a high discount rate in the category as candidates.

The combination unit 430 may combine the candidate payment methods in the number less than the total number of candidates. The combination at this time can be generated so that all cases are satisfied.

The combination of the candidate payment methods may be as shown in Table 4, for example. Table 4 shows the case where the number of candidate payment means is 3 and the candidate payment means is A, B, C, D.

Combination Step 1 Step 2 Step 3 Combination Step 1 Step 2 Step 3 One A B C 13 C A B 2 A B D 14 C A D 3 A C B 15 C B A 4 A C D 16 C B D 5 A D B 17 C D A 6 A D C 18 C D B 7 B A C 19 D A B 8 B A D 20 D A C 9 B C A 21 D B A 10 B C D 22 D B C 11 B D A 23 D C A 12 B D C 24 D C B

The mapping unit 440 may calculate the discounted amount for each combination by sequentially applying the settlement pattern from the first combination unit 430 to the last combination in the combination of payment payment means. The application to the settlement pattern is applied in the order of the in-combination payment means. The contents of the first discount information database 170 and the second discount information database 270 (method of calculating previous month's results, The discount rate, the discount limit, the discounted minimum amount, the discounted maximum amount, the discount start date, the discount end date, the integrated discount limit, and the like).

In one embodiment, the usage amount of the payment pattern for each category is distributed according to the payment means for which the discount is most applied. Usage amounts that are not discounted by any payment instrument are used to fill the required performance that each payment instrument must meet. Through these operations, the usage amount and the discount amount for each combination of payment means and categories can be calculated for each combination.

The combination recommendation unit 450 may sort Table 4 in the order of combinations in which the discount amount is large. By showing the recommended usage amount, discount amount and annual fee of each payment method for each combination, the user should select the optimal payment method.

The shop recommendation unit 460 may recommend a store optimized for the payment method using the first discount information database 170 and the second discount information database 270 by the user.

In one embodiment, if a particular user has made a payment using '(a) movie theater' to view a movie, the shop recommendation unit 460 may set the payment pattern of the user as a monthly amount, a category, The discounted amount is analyzed, or the discount information obtained from the provider server in which the payment means is issued is typed and analyzed for the user and the shop, and the result is given to the specific user as' (a) ) Movie theater ', and it is recommended that payment is a more favorable store selection for a particular user.

The notification unit 470 can extract the information when the provider of the payment means provides a new payment means or changes the existing discount information. The notification unit 470 can confirm whether the extracted information is associated with a payment method of a specific user. If there is an association, the user can be provided with the change via message or e-mail. The notifying unit 470 may notify the user of a change in payment means (such as a provision of a new payment means or an existing discount information change).

The consulting unit 480 analyzes the settlement pattern of a specific user by monthly, category, and store, and then classifies the age, area, monthly consumption amount, category, and store for all users can do. The results of each analysis can be provided to the user, and among them, more advanced measures for payment payment management can be presented to the user including best practice examples using payment methods.

The fifth unit 500 may be provided for convenience of the user.

6 is a block diagram showing a fifth unit 500 constituting the payment means management apparatus of the present invention.

The fifth unit 500 can guide the second payment means for grasping the settlement object and decreasing the payment cost for the settlement object.

Even if the user receives the A credit card, the B credit card, and the D credit card according to the guidance of the fourth unit 400, the A credit card when using the a shop and the j store, the D credit card when using the b shop, It is necessary to recognize that it is advantageous to pay with the B credit card when using.

According to the fifth unit, the user can confirm which payment means is advantageous among the payment means held before payment of the settlement object.

The object of settlement is an object to be purchased by the user, and the store may be subject to settlement depending on the nature of the discount. For example, if a credit card provides a discount on a vehicle, the object of payment may be a vehicle. Alternatively, if a credit card provides a discount for a store, the subject of payment may be a store.

In the above example, suppose that a user who receives a credit card A, a credit card B, or a credit card D in his / her own name purchases the goods at a shop.

The user may use the A, B, and D credit cards by the fourth unit 400, but he may not know which one of the three credit cards to use at a shop.

The fifth unit 500 may be integrally formed with various portable terminals carried by the user. In this case, the fifth unit 500 stores a GIS (Geographic Information System) installed in the fifth unit 500, information of the settlement object inputted by the user (at least one of a store name, a store telephone number, a shop address, And the location of the fifth unit 500 using the at least one of the locations. The fifth unit 500 may then communicate with the fourth unit 400 to recommend a payment payment means capable of receiving as much discount as possible on the subject of the payment. For example, if the payment target is a shop, the fifth unit 500 can recommend the A credit card.

In consideration of the case where the user does not have the A credit card among the A credit card, the B credit card, and the D credit card, the fifth unit 500 transmits, in descending order of the reduction amount of the payment cost (discount amount) . In this case, since the credit card B and the credit card D do not have a discount for a shop, the fifth unit 500 displays the A credit card having the largest discount on the first display screen, and B or C , And C or B at the next position.

The fifth unit 500 may include a selection unit 510, a payment means recommendation unit 520, a payment method recommendation unit 530, a payment management unit 540 and a redeeming recommendation unit 550.

The selection unit 510 can grasp the object of settlement using a user's input or GIS or the like before settlement of the settlement object.

The settlement recommendation unit 520 may recommend a payment settlement means that allows the user to make a maximum discount on the settlement plan among the available settlement means as the second settlement means. At this time, information such as discount condition, discount rate, discount limit, etc. can be provided for each payment instrument. The user can select an optimal payment method based on this information. By sorting and displaying the payment means according to the estimated discount amount, target achievement, income deduction information, etc., the user can select the payment means according to various criteria.

The payment method recommendation unit 530 provides the user with the maximum discount by presenting the discount card, the accumulation card, the income deduction, the payment method, and the like in order when the actual payment is made.

After the settlement is completed, the settlement management unit 540 can inquire the SMS information about the settlement case or the settlement information of the supply server, and provide the details of the settlement case. This allows the user to manage the payment information in an integrated manner.

The re-settlement recommendation unit 550 may recommend an optimal payment means for re-settlement when the optimal payment means (second payment means) is not used because the user has not prepared the payment means. At this time, it is possible to prevent a loss due to re-settlement by providing various fluctuation remnants due to cancellation of purchase such as target achievement, discount rate, discount limit, and the like.

In summary, the payment means management apparatus of the present invention comprises a first unit (100) for acquiring discount information of a payment means, a second unit (200) for acquiring discount information of a prepayment target in which the payment means is used, A third unit (300) for analyzing the settlement information of the payment settlement unit and obtaining a settlement pattern of a user of the settlement payment unit, a third unit (300) for analyzing the settlement pattern of the settlement pattern using the discount information of the settlement payment unit and the discount information of the settlement object A fourth unit 400 for guiding the first payment means to match and a second payment means for decreasing the payment cost for the payment target to be purchased using the discount information of the payment payment means and the discount information of the payment target The fifth unit 500 may include a first unit 500 and a second unit 500, respectively.

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention as defined by the appended claims. Accordingly, the true scope of the present invention should be determined by the following claims.

100 ... first unit 110 ... first discount information extracting unit
130 ... first discount information standardization unit 150 ... first discount information storage unit
170 ... first discount information database 200 ... second unit
210 ... second discount information extracting unit 250 ... second discount information storing unit
270 ... second discount information database 300 ... third unit
310 ... settlement pattern extracting unit 350 ... settlement pattern storing unit
370 ... settlement pattern database 400 ... fourth unit
410 ... typing unit 420 ... candidate recommendation unit
430 ... combination unit 440 ... mapping unit
450 ... combination recommendation section 460 ... shop recommendation section
470 ... notifying section 480 ... consulting section
500 ... fifth unit 510 ... selection unit
520 ... Payment method recommendation part 530 ... Payment method recommendation part
540 ... settlement management unit 550 ... re-

Claims (12)

And a first unit for acquiring discount information of the payment payment means,
Wherein the first unit standardizes the discount information according to a setting rule and stores the discount information.
The method according to claim 1,
Wherein the first unit periodically acquires the discount information from the supplier server in which the payment settlement means is issued.
And a second unit for acquiring discount information of a settlement object used by the payment settlement unit using payment information of the payment settlement unit,
And the second unit acquires the discount information from the difference between the fixed price displayed in the payment information and the actual payment amount.
And a third unit for acquiring payment information of the payment payment means,
And the third unit analyzes the payment information to acquire a payment pattern of a user of the payment payment means.
And a fourth unit for guiding a first payment means matching the settlement pattern obtained from the third unit among the plurality of payment means,
And the fourth unit guides the first payment means for reducing the settlement cost of the settlement pattern by comparing discount information of the payment settlement means obtained from the first unit.
6. The method of claim 5,
Wherein the fourth unit guides at least one of the first payment means,
Wherein each of the first payment means reduces the settlement cost to a maximum for each item of the settlement pattern.
6. The method of claim 5,
The fourth unit has a combination recommendation unit,
Wherein the recommendation recommendation unit recommends an optimal payment means by showing at least one of a recommended use amount, a discount amount, and an annual fee for each combination of the payment means.
6. The method of claim 5,
The fourth unit includes a shop recommendation unit,
And the shop recommendation unit recommends a shop optimized for the payment settlement means.
6. The method of claim 5,
The fourth unit includes a notification unit,
And the notification unit notifies the user of a change in the payment settlement means.
A fifth unit for guiding a second payment means for grasping a settlement object and reducing a payment cost for the settlement object;
And the settlement means.
11. The method of claim 10,
And the fifth unit guides one or more of the payment means in descending order of the amount of reduction in the payment costs.
A first unit for acquiring discount information of the payment means;
A second unit for acquiring discount information on the over-the-air payment target in which the payment payment means is used;
A third unit for analyzing the payment information of the payment payment means and obtaining a payment pattern of a user of the payment payment means;
A fourth unit for guiding a first settlement unit matching the settlement pattern using the discount information of the payment settlement unit and the discount information of the settlement object; And
A fifth unit for guiding a second payment means for reducing a payment cost for a settlement target to be purchased using the discount information of the payment settlement means and the discount information of the settlement object;
And the settlement means.

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