WO2015026184A1 - Method for recommending mobile payment card on basis of payment card use location and past payment history, and management server applying same - Google Patents

Method for recommending mobile payment card on basis of payment card use location and past payment history, and management server applying same Download PDF

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Publication number
WO2015026184A1
WO2015026184A1 PCT/KR2014/007794 KR2014007794W WO2015026184A1 WO 2015026184 A1 WO2015026184 A1 WO 2015026184A1 KR 2014007794 W KR2014007794 W KR 2014007794W WO 2015026184 A1 WO2015026184 A1 WO 2015026184A1
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WO
WIPO (PCT)
Prior art keywords
mobile
payment
card
mobile card
location information
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PCT/KR2014/007794
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French (fr)
Korean (ko)
Inventor
남규한
Original Assignee
에스케이씨앤씨 주식회사
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Publication of WO2015026184A1 publication Critical patent/WO2015026184A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present invention relates to mobile commerce, and more particularly, to a method for recommending an optimal mobile card in an environment in which a plurality of mobile payment cards are issued.
  • Mobile credit card issuance is gradually increasing due to the activation of mobile commerce. It is common to issue a basic plastic credit card for issuing a mobile credit card, and the performance required for granting various benefits is calculated by adding them together.
  • the present invention has been made to solve the above problems, an object of the present invention, even if the user does not know in advance the use of the credit card or credit card discount, the past use history based on the card use place By referring to an optimal payment card recommendation method and a management server applying the same.
  • a mobile card recommendation method includes: receiving location information of a mobile device; Determining an optimal mobile card to be used for mobile payment based on the location information received in the receiving step; And notifying the mobile device of the mobile card determined in the determining step.
  • the determining may include determining a mobile card in which the payment at the location indicated by the location information is recognized as a use record and the use record is insufficient.
  • the mobile card may be determined by referring to a DB in which the past actual payment details are recorded at the location.
  • the mobile card recommendation method comprises the steps of: receiving a mobile payment history performed through the mobile device; And updating the DB based on the mobile payment details and the location information.
  • the determining step if the payment at the location is recognized as a record of use and the number of mobile cards under the record of use, the mobile card with the highest discount rate, the mobile card with the highest amount of money, the mobile with the lowest rate.
  • the determining step may determine the mobile card having the highest discount rate when the payment at the location is recognized as the use record and there is no mobile card with the use record.
  • the mobile card may be determined by referring to a DB in which past actual payment details are recorded in the location information.
  • the determining step when the current date is included in the first period, the payment at the location is recognized as the use performance and the mobile card may be less than the use performance.
  • the determining may determine the mobile card having the highest discount rate at the location when the current date is included in the second period.
  • the first period may be determined based on past actual payment details.
  • the receiving step may be received from the mobile device when a payment function is selected after the electronic wallet application for mobile payment is executed in the mobile device.
  • the management server a communication interface connected to communicate with the mobile device; And a processor configured to receive the location information of the mobile device through the communication interface, determine an optimal mobile card to use for mobile payment based on the location information, and notify the mobile device of the determined mobile card through the communication interface. It includes;
  • the mobile payment method transmitting the current location information to the server; Receiving, from the server, a mobile card that is optimal for mobile payment determined by the server based on the current location information; And processing the mobile card notified in the notification step to be available for mobile payment.
  • the optimal mobile card may be a mobile card in which payment at a location indicated by the current location information is recognized as a use record and a use record is insufficient.
  • the optimal mobile card may be determined with reference to a DB containing past actual payment details at the location.
  • the mobile payment method the step of identifying the current location information; Determining an optimal mobile card to use for mobile payment based on the current location information; And processing the mobile card determined in the determining step to be available for mobile payment.
  • the user since the optimal payment card is recommended based on the place of use of the card based on the actual card payment history of the past user, the user may select a merchant that can use the credit card or discount the card. You will enjoy the maximum benefits you can receive without knowing in advance.
  • FIG. 1 is a view showing a mobile payment system to which the present invention is applicable
  • FIG. 2 is a detailed block diagram of the mobile device shown in FIG. 1;
  • FIG. 3 is a detailed block diagram of the wallet / card management server shown in FIG. 1;
  • FIG. 4 is a diagram illustrating a user DB of FIG.
  • 5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB
  • 6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB
  • FIG. 7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention.
  • FIG. 8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
  • FIG. 1 is a diagram illustrating a mobile payment system to which the present invention is applicable. As shown, the mobile payment system to which the present invention is applicable, the point-of-sale terminal 10, the payment gateway 20, credit card company servers 30, mobile device 100 and wallet / Card management server 200 is included.
  • the mobile device 100 is a device that a user who supports mobile payment with Near Field Communication (NFC) in the POS terminal 10 carries.
  • NFC Near Field Communication
  • the wallet / card management server 200 issues and manages the mobile credit card necessary for the mobile device 100 to perform mobile payment by NFC to the mobile device 100 on behalf of credit card companies. In addition, the wallet / card management server 200 may download the electronic wallet application required for mobile payment to the mobile device 100.
  • the wallet / card management server 200 is interlocked with the payment gateway 20, the credit card company servers 30, and the mobile device 100, and the 'past credit card payment history' for each user of the mobile device is 'credit card payment'.
  • 'User DB (DataBase)' is built / updated in connection with 'location'.
  • the wallet / card management server 200 refers to the 'user DB' and 'the current location of the user' (that is, the payment location), the optimal mobile credit among mobile credit cards issued to the mobile device 100 The card is determined and notified to the mobile device 100.
  • An optimal mobile credit card is a mobile credit card that is most advantageous to the user in terms of benefit provided by the credit card company.
  • the method of recommending the optimal mobile credit card by the wallet / card management server 200 will be described later in detail with reference to FIGS. 7 and 8.
  • the touch screen 110 functions as a display means and a user interface means. In connection with an embodiment of the present invention, the touch screen 110 displays the execution result of the electronic wallet application 160.
  • NFC module 120 is a module that supports NFC with the POS terminal 10
  • the communication unit 140 includes a communication module for mobile communication and wireless networking (WiFi, WLAN, etc.) and a GPS module for receiving GPS signals do.
  • the processor 130 performs overall control of the mobile device 100, but executes the electronic wallet application 160 in relation to the present embodiment.
  • the SE 150 is a storage in which information of mobile credit cards 155 issued by the wallet / card management server 200 is stored as an applet.
  • the electronic wallet application 160 includes a card management module 161, a mobile payment module 163, an SMS processing module 165, and a location information transmission module 167.
  • the card management module 161 is a module that determines one of the mobile credit cards 155 issued to the SE 150 as the default payment card.
  • the default payment card may be based on the notification result from the wallet / card management server 200, but may also be according to the priority held in the card management module 161.
  • the mobile payment module 163 transfers the information of the mobile credit card to be used for payment to the POS terminal 10 through the NFC module 120, so that mobile payment is made.
  • the SMS processing module 165 selects a message including payment details of a plastic credit card among SMS messages received through the communication unit 140 of the mobile device 100. It should be noted that the message selected by the SMS processing module 165 is the payment history of the 'plastic' credit card, not the payment history of the 'mobile' credit card.
  • the SMS processing module 165 extracts information on the credit card type, payment amount, and payment date and time from the selected message and transmits the information to the wallet / card management server 200 through the communication unit 140.
  • the location information transmission module 167 transmits current location information of the mobile device 100 to the wallet / card management server 200 through the communication unit 140.
  • the current location information transmission is performed when the payment function is selected by the user after the electronic wallet application 160 is executed, and the mobile payment module 163 of the electronic wallet application 160 is connected to the POS terminal through the NFC module 120. 10) is performed when the mobile payment is performed.
  • the former is necessary for the wallet / card management server 200 to recommend the optimal mobile credit card, and the latter is necessary for the wallet / card management server 200 to add the payment details to the user DB in connection with the payment location. .
  • the wallet / card management server 200 includes a communication interface 210, a processor 220, and a user DB 230.
  • the communication interface 210 establishes and maintains a communication connection with the mobile device 100, the payment gateway 20, and the credit card company servers 30.
  • the processor 220 issues and manages a mobile card to the mobile device 100 on behalf of credit card companies.
  • the processor 220 collects information related to credit card payment from the payment gateway 20, the credit card company servers 30, and the mobile device 100 to build / update the user DB 230.
  • User DB 230 is a DB that stores the 'credit card payment history' associated with the 'credit card payment location' for each user of the mobile device. User DB 230 is illustrated in FIG. 4.
  • the user DB 230 stores payment details for each user and credit card.
  • the settlement details include settlement position, performance target, discount amount and discount rate.
  • the payment details include payment by plastic credit card in addition to payment by mobile credit card.
  • a process of collecting payment details using a mobile credit card and payment details using a plastic credit card and reflecting them to the user DB 230 will be described one by one.
  • 5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB (230).
  • the electronic wallet application 160 When the mobile payment module 163 of the electronic wallet application 160 installed in the mobile device 100 performs mobile payment to the POS terminal 10 through the NFC module 120 (S310), the electronic wallet application 160 The location information transmission module 167 transmits current location information to the wallet / card management server 200 through the communication unit 140 (S320).
  • POS terminal 10 transmits the payment information to the payment agency 20 (S330), the payment gateway 20 transfers the payment information to the credit card company server 30 (S340). In addition, the payment gateway 20 notifies the wallet / card management server 200 of the payment (S350).
  • the processor 220 of the wallet / card management server 200 requests / receives a detailed payment history from the credit card company server 30 through the communication interface 210 (S350) and the location information received in step S320. Together with the user DB 230 is added (S360).
  • the detailed payment details requested / received in step S350 include a payment amount, performance target, a discount amount, and a discount rate.
  • the 'payment location' is obtained from the current location information received in step S320, and the 'performance target, payment amount, discount amount and discount rate' is detailed payment received in step S360. It is obtained from the details.
  • 6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB (230).
  • the SMS processing module 165 of the electronic wallet application 160 selects the credit card type, The payment information and the payment date are extracted and transmitted to the wallet / card management server 200 through the communication unit 140 (S420).
  • the processor 220 of the wallet / card management server 200 requests / receives the detailed payment history from the credit card company server 30 through the communication interface 210 (S430), and adds it to the user DB 230. (S440).
  • the 'performance target, payment amount, discount amount and discount rate' as well as 'payment location' of the user DB 230 illustrated in FIG. 4 are obtained from the detailed payment details received in step S430.
  • the processor 220 may generate information about the address of the affiliated store that has paid with a credit card.
  • the user DB 230 can be made not only a mobile credit card but also a payment by a plastic credit card.
  • the user DB 230 can reflect the results of use by both when determining whether the use results are described later.
  • step S420 of the payment information transmitted from the SMS processing module 165 of the electronic wallet application 160 to the wallet / card management server 200 can be omitted except for the credit card type.
  • the wallet / card management server 200 can obtain all from the credit card company server 30.
  • the wallet / card management server 200 recommends the optimal mobile credit card at the 'place' of the 'current' of the mobile credit cards 155 issued to the SE 150 of the mobile device 100.
  • the process will be described in detail with reference to FIG. 7. 7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention.
  • the processor 220 of the wallet / card management server 200 receives current location information from the electronic wallet application 160 of the mobile device 100 through the communication interface 210 (S510). ).
  • the location information transmission module 167 may transmit the current location information of the mobile device 100 to the wallet / card management server ( 200, the processor 220 of the wallet / card management server 200 determines the payment location of the user through step S510.
  • the processor 220 of the wallet / card management server 200 searches for the mobile credit cards in the user DB 230 that recognizes the credit card payment in the location received in step S510 (S520), the retrieved mobile In step S530, the mobile credit card is re-searched under the credit card.
  • the processor 220 of the wallet / card management server 200 determines the default payment card (S540) and performs the mobile communication through the communication interface 210.
  • the device 100 notifies (S550).
  • the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 sets the mobile credit card notified in step S550 as the default payment card.
  • the mobile credit card set as the default payment card is used for mobile payment unless there is an intentional change by the user before the mobile payment.
  • step S510 if the current position received at step S510 is (x 1 , y 1 ), the mobile credit cards “C 1 ” and “C 3 ” are searched at step S520. , Mobile credit card “C 3 " is excluded in step S530 because the required performance was exceeded. Accordingly, the mobile credit card determined / notified in step S540 / S550 is “C 1 ”.
  • step S540 the processor 220 of the wallet / card management server 200 selects one mobile credit card.
  • the processor 220 of the wallet / card management server 200 1) of the corresponding mobile credit card, 1) the highest mobile credit card with the highest discount rate, 2) less than the required performance amount or the highest rate
  • One mobile credit card may be selected based on the mobile credit card, or 3) a priority set by the user (eg, a request achievement priority).
  • step S520-N or S530-N the processor 220 of the wallet / card management server 200 is the location received in step S510 In step S560, the mobile credit card to which the discount is applied at the time of credit card payment is applied.
  • step S560 the processor 220 of the wallet / card management server 200 determines this as the default payment card (S540), the mobile device 100 through the communication interface 210 Notify to (S550).
  • step S510 if the current location received in step S510 is (x 3 , y 3 ), there is no mobile credit card corresponding to both step S520 and step S530. Since the corresponding mobile credit card "C 1 " is searched, the mobile credit card determined / notified in step S540 / S550 is "C 1 ".
  • step S560 If, as a result of performing step S560, there are a large number of mobile credit cards, the processor 220 of the wallet / card management server 200 selects one mobile credit card in step S540.
  • the processor 220 of the wallet / card management server 200 based on the number of mobile credit cards, 1) the mobile credit card with the highest discount rate, or 2) the priority set by the user You can choose one mobile credit card.
  • step S560 does not have a corresponding mobile credit card (S560-N)
  • the processor 220 of the wallet / card management server 200 does not determine the default payment card (S580), that did not determine that Only the result is notified to the mobile device 100 through the communication interface 210 (S550).
  • the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 selects one of the mobile credit cards by default according to its own priority.
  • FIG. 8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
  • the wallet / card management server 200 determines whether today is 20 days later (S620).
  • the processor 220 determines the default payment card by giving priority to the required performance over the discount (S630). That is, when both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card where the usage record is recognized at the location received in step S610 and are less than the current demand' are present, the processor ( 220 determines that the mobile credit card that has failed the required performance is the default payment card.
  • the processor 220 selects one mobile credit card based on a discount rate, an amount of under payment / under rate, or a priority of achievement of required performance.
  • the processor 220 is a mobile with a discount at the location received in step S610 'Credit card' is determined as the default payment card. If there are a large number of mobile credit cards, the processor 220 selects one based on the discount rate.
  • step S620-N determines the default payment card by giving priority to the discount rather than the required performance (S640). In other words, both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card without discount, but at the location received in step S610 are accepted and are currently under the required performance' In this case, the processor 220 determines a mobile credit card having a discount as the default payment card.
  • the processor 220 selects one mobile credit card based on the discount rate.
  • the processor 220 selects one mobile credit card based on a discount rate, a low amount / low rate, or a request achievement achievement priority.
  • the processor 220 of the wallet / card management server 200 reaches the e-wallet application 160 of the mobile device 100 when the demand is less than 25 days. You can guide them to purchase goods / services.
  • the purchase of goods / services should be one that can be recognized as the use of a mobile credit card that has failed the required performance, and essential items (rice, drinking water, soap, etc.) or essential services (public, etc.) in order to avoid meaningless consumption.
  • essential items rice, drinking water, soap, etc.
  • essential services public, etc.
  • Transportation services, schools, fitness services, etc. is recommended.
  • the daily necessities and essential services can be implemented by the user in advance.
  • 20 days mentioned in step S620 of FIG. 8 is exemplary and may be modified on another date.
  • another date may be determined based on the user's credit card usage pattern (ie, the actual credit card payment history of the past user). If the amount of credit card usage is high at the end of the month, the date above which the priority is selected will be determined later. If the amount of credit card usage is low at the end of the month, the date will be earlier.
  • the wallet / card management server 200 assumes the recommendation of the optimal mobile credit card in a manner of notifying one default payment card. For example, it is also possible for the wallet / card management server 200 to notify the electronic wallet application 160 of the mobile device 100 in a list of a plurality of mobile credit cards in accordance with the recommendation priority.
  • the user DB management and the mobile credit card recommendation are handled by the wallet / card management server 200, but it may be modified to be exemplary. For example, it is possible to incorporate these functions into the electronic wallet application 160 of the mobile device 100.
  • the technical idea of the present invention may be applied to other mobile cards (eg, mobile prepaid card, mobile debit card, etc.) other than the mobile credit card.
  • mobile cards eg, mobile prepaid card, mobile debit card, etc.
  • the technical idea of the present invention can be applied to a computer-readable recording medium containing a computer program for performing the functions of the apparatus and method according to the present embodiment.
  • the technical idea according to various embodiments of the present disclosure may be implemented in the form of computer readable codes recorded on a computer readable recording medium.
  • the computer-readable recording medium can be any data storage device that can be read by a computer and can store data.
  • the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like.
  • the computer-readable code or program stored in the computer-readable recording medium may be transmitted through a network connected between the computers.

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Abstract

Provided is a method for recommending a mobile payment card on the basis of a payment card use location and past payment history, and a management server applying the same. The method for recommending a mobile payment card according to an embodiment of the present invention comprises determining an optimum mobile card for use in mobile payment on the basis of location information of a mobile device, and notifying the mobile device of the selected card. By the present invention, a user can have the maximum acquirable benefit even without being previously aware of a member shop that can give reward points for using a card or give a card discount.

Description

결제카드 사용 위치 및 과거 결제 내역에 기반한 모바일 결제카드 추천 방법 및 이를 적용한 관리 서버Mobile payment card recommendation method based on payment card usage location and past payment history and management server applying it
본 발명은 모바일 커머스에 관한 것으로, 더욱 상세하게는 다수의 모바일 결제카드가 발급되어 있는 환경에서 최적의 모바일 카드를 추천하는 방법에 관한 것이다.The present invention relates to mobile commerce, and more particularly, to a method for recommending an optimal mobile card in an environment in which a plurality of mobile payment cards are issued.
모바일 커머스의 활성화로 인하여 모바일 신용카드 발급이 점차 증가하고 있다. 모바일 신용카드 발급을 위해서는 기초가 되는 플라스틱 신용카드 발급이 전제됨이 일반적이고, 각종의 혜택을 부여하기 위해 요구되는 사용실적은 양자를 합산하여 산정한다.Mobile credit card issuance is gradually increasing due to the activation of mobile commerce. It is common to issue a basic plastic credit card for issuing a mobile credit card, and the performance required for granting various benefits is calculated by adding them together.
신용카드의 혜택을 제공받기 위해 요구실적을 관리하는 것은 사용자에게 매우 불편하고 복잡한 일이다. 일부 가맹점(특히, 할인 혜택을 부여한 가맹점 등)에서의 신용카드 사용은 사용실적을 인정하지 않는 경우가 많은데, 이로 인해 사용자의 불편함과 복잡함은 더욱 가중된다.It is very inconvenient and complicated for the user to manage the demand performance in order to benefit from the credit card. The use of credit cards in some affiliates (especially those with discounts, etc.) often does not recognize the performance of the credit card, which adds to the inconvenience and complexity of the user.
이를 방지하기 위해서는, 사용자가 사용실적을 인정하여 주는 가맹점을 사전에 인지하고 있어야 하는데, 다양하고 많은 신용카드들을 보유하는 것이 일반화된 현 상황에서, 사용자들은 이를 일일이 챙기기 위해 상당한 시간과 노력을 투자하여야 한다.In order to prevent this, the user must be aware of the merchants who acknowledge the performance in advance. In a situation where it is common to have a large number of credit cards, users have to invest considerable time and effort to take care of them. do.
또한, 요구실적을 달성하였음에도, 그 사실을 모르고 요구실적 달성을 위해 신용카드를 계속 사용하는 경우가 있는데, 다른 신용카드를 사용하였더라면 할인 혜택을 받을 수 있었다면, 사용자에 간접적인 손해가 발생하였다고 취급할 수도 있다.In addition, even though the required performance has been achieved, there are cases where the credit card is continuously used to achieve the required performance without knowing the fact. If another credit card was used, the discount can be treated as indirect damage to the user. It may be.
본 발명은 상기와 같은 문제점을 해결하기 위하여 안출된 것으로서, 본 발명의 목적은, 사용실적 인정 또는 카드 할인이 가능한 가맹점을 사용자가 사전에 인지하고 있지 않아도, 카드 사용 장소를 기초로 과거 사용 내역을 참고하여 최적의 결제카드를 추천하는 방법 및 이를 적용한 관리 서버를 제공함에 있다.The present invention has been made to solve the above problems, an object of the present invention, even if the user does not know in advance the use of the credit card or credit card discount, the past use history based on the card use place By referring to an optimal payment card recommendation method and a management server applying the same.
상기 목적을 달성하기 위한 본 발명의 일 실시예에 따른, 모바일 카드 추천 방법은, 모바일 기기의 위치 정보를 수신하는 단계; 상기 수신단계에서 수신한 상기 위치 정보를 기초로, 모바일 결제에 이용할 최적의 모바일 카드를 결정하는 단계; 및 상기 결정단계에서 결정된 모바일 카드를 상기 모바일 기기에 통보하는 단계;를 포함한다.According to an embodiment of the present invention, a mobile card recommendation method includes: receiving location information of a mobile device; Determining an optimal mobile card to be used for mobile payment based on the location information received in the receiving step; And notifying the mobile device of the mobile card determined in the determining step.
그리고, 상기 결정단계는, 상기 위치 정보가 나타내는 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드를 결정할 수 있다.The determining may include determining a mobile card in which the payment at the location indicated by the location information is recognized as a use record and the use record is insufficient.
또한, 상기 결정단계는, 상기 위치에서 과거의 실제 결제 내역이 수록된 DB를 참고하여, 모바일 카드를 결정할 수 있다.In addition, in the determining step, the mobile card may be determined by referring to a DB in which the past actual payment details are recorded at the location.
그리고, 본 발명의 일 실시예에 따른 모바일 카드 추천 방법은, 상기 모바일 기기를 통해 수행한 모바일 결제 내역을 수신하는 단계; 및 상기 모바일 결제 내역과 상기 위치 정보를 기초로, 상기 DB를 업데이트 하는 단계;를 더 포함할 수 있다.In addition, the mobile card recommendation method according to an embodiment of the present invention comprises the steps of: receiving a mobile payment history performed through the mobile device; And updating the DB based on the mobile payment details and the location information.
또한, 상기 결정단계는, 상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드가 다수이면, 할인율이 가장 높은 모바일 카드, 미달금액이 가장 큰 모바일 카드, 미달율이 가장 높은 모바일 카드 또는 우선순위가 가장 높은 모바일 카드를 결정할 수 있다.Further, the determining step, if the payment at the location is recognized as a record of use and the number of mobile cards under the record of use, the mobile card with the highest discount rate, the mobile card with the highest amount of money, the mobile with the lowest rate The card or the mobile card with the highest priority can be determined.
그리고, 상기 결정단계는, 상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드가 존재하지 않으면, 할인율이 가장 높은 모바일 카드를 결정할 수 있다.The determining step may determine the mobile card having the highest discount rate when the payment at the location is recognized as the use record and there is no mobile card with the use record.
또한, 상기 결정단계는, 상기 위치 정보에서 과거의 실제 결제 내역이 수록된 DB를 참고하여, 모바일 카드를 결정할 수 있다.In the determining step, the mobile card may be determined by referring to a DB in which past actual payment details are recorded in the location information.
그리고, 상기 결정단계는, 현재 일자가 제1 기간에 포함되는 경우, 상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드를 결정할 수 있다.In the determining step, when the current date is included in the first period, the payment at the location is recognized as the use performance and the mobile card may be less than the use performance.
또한, 상기 결정단계는, 현재 일자가 제2 기간에 포함되는 경우, 상기 위치에서의 할인율이 가장 높은 모바일 카드를 결정할 수 있다.In addition, the determining may determine the mobile card having the highest discount rate at the location when the current date is included in the second period.
그리고, 상기 제1 기간은, 과거의 실제 결제 내역들을 기초로 결정될 수 있다.The first period may be determined based on past actual payment details.
또한, 상기 수신단계는, 상기 모바일 기기에서 모바일 결제를 위한 전자 지갑 어플리케이션이 실행된 후 결제 기능이 선택된 경우에 상기 모바일 기기로부터 수신될 수 있다.The receiving step may be received from the mobile device when a payment function is selected after the electronic wallet application for mobile payment is executed in the mobile device.
한편, 본 발명의 다른 실시예에 따른, 관리 서버는, 모바일 기기와 통신 가능하도록 연결되는 통신 인터페이스; 및 상기 통신 인터페이스를 통해 상기 모바일 기기의 위치 정보를 수신하고, 상기 위치 정보를 기초로 모바일 결제에 이용할 최적의 모바일 카드를 결정하며, 결정된 모바일 카드를 상기 통신 인터페이스를 통해 상기 모바일 기기에 통보하는 프로세서;를 포함한다.On the other hand, according to another embodiment of the present invention, the management server, a communication interface connected to communicate with the mobile device; And a processor configured to receive the location information of the mobile device through the communication interface, determine an optimal mobile card to use for mobile payment based on the location information, and notify the mobile device of the determined mobile card through the communication interface. It includes;
한편, 본 발명의 또 다른 실시예에 따른, 모바일 결제 방법은, 현재 위치 정보를 서버에 전송하는 단계; 상기 현재 위치 정보를 기초로 상기 서버가 결정한 모바일 결제에 최적의 모바일 카드를, 상기 서버로부터 통보받는 단계; 및 상기 통보단계에서 통보된 모바일 카드가 모바일 결제에 이용가능하도록 처리하는 단계;를 포함한다.On the other hand, the mobile payment method according to another embodiment of the present invention, transmitting the current location information to the server; Receiving, from the server, a mobile card that is optimal for mobile payment determined by the server based on the current location information; And processing the mobile card notified in the notification step to be available for mobile payment.
그리고, 상기 최적의 모바일 카드는, 상기 현재 위치 정보가 나타내는 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드일 수 있다.The optimal mobile card may be a mobile card in which payment at a location indicated by the current location information is recognized as a use record and a use record is insufficient.
또한, 상기 최적의 모바일 카드는, 상기 위치에서 과거의 실제 결제 내역이 수록된 DB를 참고로 결정될 수 있다.In addition, the optimal mobile card may be determined with reference to a DB containing past actual payment details at the location.
한편, 본 발명의 또 다른 실시예에 따른, 모바일 결제 방법은, 현재 위치 정보를 파악하는 단계; 상기 현재 위치 정보를 기초로, 모바일 결제에 이용할 최적의 모바일 카드를 결정하는 단계; 및 상기 결정단계에서 결정된 모바일 카드를 모바일 결제에 이용가능하도록 처리하는 단계;를 포함하는 것을 특징으로 하는 모바일 결제 방법을 포함한다.On the other hand, the mobile payment method according to another embodiment of the present invention, the step of identifying the current location information; Determining an optimal mobile card to use for mobile payment based on the current location information; And processing the mobile card determined in the determining step to be available for mobile payment.
이상 설명한 바와 같이, 본 발명의 실시예들에 따르면, 과거 사용자의 실제 카드 결제 내역을 기반으로 카드 사용 장소에 기초하여 최적의 결제카드를 추천하므로, 사용실적 인정 또는 카드 할인이 가능한 가맹점을 사용자가 사전에 인지하고 있지 않아도 받을 수 있는 최대한의 혜택을 누릴 수 있게 된다.As described above, according to the embodiments of the present invention, since the optimal payment card is recommended based on the place of use of the card based on the actual card payment history of the past user, the user may select a merchant that can use the credit card or discount the card. You will enjoy the maximum benefits you can receive without knowing in advance.
도 1은 본 발명이 적용 가능한 모바일 결제 시스템을 도시한 도면,1 is a view showing a mobile payment system to which the present invention is applicable;
도 2는, 도 1에 도시된 모바일 기기의 상세 블럭도,2 is a detailed block diagram of the mobile device shown in FIG. 1;
도 3은, 도 1에 도시된 지갑/카드 관리 서버의 상세 블럭도,3 is a detailed block diagram of the wallet / card management server shown in FIG. 1;
도 4는, 도 3의 사용자 DB를 예시한 도면,4 is a diagram illustrating a user DB of FIG.
도 5는 모바일 신용카드에 의한 결제 내역을 사용자 DB에 반영하는 과정의 설명에 제공되는 도면,5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB,
도 6은 플라스틱 신용카드에 의한 결제 내역을 사용자 DB에 반영하는 과정의 설명에 제공되는 도면,6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB,
도 7은 본 발명의 일 실시예에 따른 최적의 모바일 신용카드 추천 방법의 설명에 제공되는 흐름도, 그리고,7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention, and
도 8은 본 발명의 다른 실시예에 따른 최적의 모바일 신용카드 추천 방법의 설명에 제공되는 흐름도이다.8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
이하에서는 도면을 참조하여 본 발명을 보다 상세하게 설명한다.Hereinafter, with reference to the drawings will be described the present invention in more detail.
1. 모바일 결제 시스템1. Mobile payment system
도 1은 본 발명이 적용 가능한 모바일 결제 시스템을 도시한 도면이다. 도시된 바와 같이, 본 발명이 적용 가능한 모바일 결제 시스템은, POS(Point-Of-Sale) 단말(10), 결제 대행 게이트웨이(20), 신용카드사 서버들(30), 모바일 기기(100) 및 지갑/카드 관리 서버(200)를 포함하여 구축된다.1 is a diagram illustrating a mobile payment system to which the present invention is applicable. As shown, the mobile payment system to which the present invention is applicable, the point-of-sale terminal 10, the payment gateway 20, credit card company servers 30, mobile device 100 and wallet / Card management server 200 is included.
모바일 기기(100)는 POS 단말(10)에 NFC(Near Field Communication)로 모바일 결제를 지원하는 사용자가 휴대하는 기기이다.The mobile device 100 is a device that a user who supports mobile payment with Near Field Communication (NFC) in the POS terminal 10 carries.
지갑/카드 관리 서버(200)는, 모바일 기기(100)가 NFC로 모바일 결제를 수행함에 있어 필요한 모바일 신용카드를 신용카드사들을 대신하여 모바일 기기(100)에 발급하고 관리한다. 또한, 지갑/카드 관리 서버(200)는 모바일 결제에 필요한 전자 지갑 어플리케이션을 모바일 기기(100)에 다운로드 서비스할 수도 있다.The wallet / card management server 200 issues and manages the mobile credit card necessary for the mobile device 100 to perform mobile payment by NFC to the mobile device 100 on behalf of credit card companies. In addition, the wallet / card management server 200 may download the electronic wallet application required for mobile payment to the mobile device 100.
지갑/카드 관리 서버(200)는 결제 대행 게이트웨이(20), 신용카드사 서버들(30) 및 모바일 기기(100)와 연동하여, 모바일 기기의 사용자 별로 '과거 신용카드 결제 내역'을 '신용카드 결제 위치'와 연계하여 '사용자 DB(DataBase)'를 구축/업데이트 한다.The wallet / card management server 200 is interlocked with the payment gateway 20, the credit card company servers 30, and the mobile device 100, and the 'past credit card payment history' for each user of the mobile device is 'credit card payment'. 'User DB (DataBase)' is built / updated in connection with 'location'.
또한, 지갑/카드 관리 서버(200)는 '사용자 DB'와 '사용자의 현재 위치'(즉, 결제 장소)를 참고하여, 모바일 기기(100)에 발급되어 있는 모바일 신용카드들 중 최적의 모바일 신용카드를 결정하여 모바일 기기(100)에 통보한다.In addition, the wallet / card management server 200 refers to the 'user DB' and 'the current location of the user' (that is, the payment location), the optimal mobile credit among mobile credit cards issued to the mobile device 100 The card is determined and notified to the mobile device 100.
최적의 모바일 신용카드란, 신용카드사에서 제공하는 혜택 수혜 측면에서 사용자에 가장 유리한 모바일 신용카드를 말한다. 지갑/카드 관리 서버(200)가 최적의 모바일 신용카드를 추천하는 방법에 대해서는 도 7과 도 8을 참조하여 상세히 후술할 것이다.An optimal mobile credit card is a mobile credit card that is most advantageous to the user in terms of benefit provided by the credit card company. The method of recommending the optimal mobile credit card by the wallet / card management server 200 will be described later in detail with reference to FIGS. 7 and 8.
2. 모바일 기기2. Mobile device
도 2는, 도 1에 도시된 모바일 기기(100)의 상세 블럭도이다. 도 2에 도시된 바와 같이, 모바일 기기(100)는, 터치 스크린(110), NFC 모듈(120), 프로세서(130), 통신부(140) 및 SE(Secure Element)(150)를 포함한다.FIG. 2 is a detailed block diagram of the mobile device 100 shown in FIG. 1. As illustrated in FIG. 2, the mobile device 100 includes a touch screen 110, an NFC module 120, a processor 130, a communication unit 140, and a secure element (SE) 150.
터치 스크린(110)은 디스플레이 수단과 사용자 인터페이스 수단으로 기능한다. 본 발명의 실시예와 관련하여, 터치 스크린(110)에는 전자 지갑 어플리케이션(160)의 실행 결과가 표시된다.The touch screen 110 functions as a display means and a user interface means. In connection with an embodiment of the present invention, the touch screen 110 displays the execution result of the electronic wallet application 160.
NFC 모듈(120)은 POS 단말(10)과의 NFC를 지원하는 모듈이고, 통신부(140)는 이동통신과 무선 네트워킹(WiFi, WLAN 등)을 위한 통신수단 및 GPS 신호 수신을 위한 GPS 모듈을 포함한다. NFC module 120 is a module that supports NFC with the POS terminal 10, the communication unit 140 includes a communication module for mobile communication and wireless networking (WiFi, WLAN, etc.) and a GPS module for receiving GPS signals do.
프로세서(130)은 모바일 기기(100)의 전반적인 제어를 수행하되, 본 실시예와 관련하여 전자 지갑 어플리케이션(160)을 실행한다. SE(150)는 지갑/카드 관리 서버(200)가 발급한 모바일 신용카드들(155)의 정보가 애플릿으로 저장되는 저장소이다.The processor 130 performs overall control of the mobile device 100, but executes the electronic wallet application 160 in relation to the present embodiment. The SE 150 is a storage in which information of mobile credit cards 155 issued by the wallet / card management server 200 is stored as an applet.
전자 지갑 어플리케이션(160)은 카드 관리 모듈(161), 모바일 결제 모듈(163), SMS 처리 모듈(165) 및 위치 정보 전송 모듈(167)을 포함한다.The electronic wallet application 160 includes a card management module 161, a mobile payment module 163, an SMS processing module 165, and a location information transmission module 167.
카드 관리 모듈(161)은 SE(150)에 발급된 모바일 신용카드들(155) 중 하나를 디폴트 결제카드로 결정하는 모듈이다. 디폴트 결제카드는, 지갑/카드 관리 서버(200)로부터의 통보결과에 따를 수도 있지만, 카드 관리 모듈(161)에 자체적으로 보유된 우선순위에 따를 수도 있다.The card management module 161 is a module that determines one of the mobile credit cards 155 issued to the SE 150 as the default payment card. The default payment card may be based on the notification result from the wallet / card management server 200, but may also be according to the priority held in the card management module 161.
모바일 결제 모듈(163)은 결제에 이용할 모바일 신용카드의 정보를 NFC 모듈(120)을 통해 POS 단말(10)에 전달하여, 모바일 결제가 이루어지도록 한다.The mobile payment module 163 transfers the information of the mobile credit card to be used for payment to the POS terminal 10 through the NFC module 120, so that mobile payment is made.
SMS 처리 모듈(165)은 모바일 기기(100)의 통신부(140)를 통해 수신된 SMS 메시지 중 플라스틱 신용카드의 결제 내역이 수록된 메시지를 선별한다. SMS 처리 모듈(165)에 의해 선별되는 메시지는 '모바일' 신용카드에 의한 결제 내역이 아닌 '플라스틱' 신용카드에 의한 결제 내역임에 유념하여야 한다.The SMS processing module 165 selects a message including payment details of a plastic credit card among SMS messages received through the communication unit 140 of the mobile device 100. It should be noted that the message selected by the SMS processing module 165 is the payment history of the 'plastic' credit card, not the payment history of the 'mobile' credit card.
SMS 처리 모듈(165)은 선별된 메시지에서 신용카드 종류, 결제 금액 및 결제 일시에 대한 정보를 추출하여 통신부(140)를 통해 지갑/카드 관리 서버(200)에 전송한다.The SMS processing module 165 extracts information on the credit card type, payment amount, and payment date and time from the selected message and transmits the information to the wallet / card management server 200 through the communication unit 140.
위치 정보 전송 모듈(167)은 모바일 기기(100)의 현재 위치 정보를 통신부(140)를 통해 지갑/카드 관리 서버(200)에 전송한다. 현재 위치 정보 전송은, 전자 지갑 어플리케이션(160)이 실행된 후 사용자에 의해 결제 기능이 선택된 경우와, 전자 지갑 어플리케이션(160)의 모바일 결제 모듈(163)이 NFC 모듈(120)을 통해 POS 단말(10)에 모바일 결제를 수행한 경우에 수행된다. 전자는 지갑/카드 관리 서버(200)가 최적의 모바일 신용카드를 추천하기 위해 필요하고, 후자는 지갑/카드 관리 서버(200)가 사용자 DB에 결제 내역을 결제 위치와 연계하여 추가하기 위해 필요하다.The location information transmission module 167 transmits current location information of the mobile device 100 to the wallet / card management server 200 through the communication unit 140. The current location information transmission is performed when the payment function is selected by the user after the electronic wallet application 160 is executed, and the mobile payment module 163 of the electronic wallet application 160 is connected to the POS terminal through the NFC module 120. 10) is performed when the mobile payment is performed. The former is necessary for the wallet / card management server 200 to recommend the optimal mobile credit card, and the latter is necessary for the wallet / card management server 200 to add the payment details to the user DB in connection with the payment location. .
3. 지갑/카드 관리 서버3. Wallet / card management server
도 3은, 도 1에 도시된 지갑/카드 관리 서버(200)의 상세 블럭도이다. 도 3에 도시된 바와 같이, 지갑/카드 관리 서버(200)는, 통신 인터페이스(210), 프로세서(220) 및 사용자 DB(230)를 포함한다.3 is a detailed block diagram of the wallet / card management server 200 shown in FIG. As shown in FIG. 3, the wallet / card management server 200 includes a communication interface 210, a processor 220, and a user DB 230.
통신 인터페이스(210)는 모바일 기기(100), 결제 대행 게이트웨이(20) 및 신용카드사 서버들(30)과 통신 연결을 설정하고 유지한다.The communication interface 210 establishes and maintains a communication connection with the mobile device 100, the payment gateway 20, and the credit card company servers 30.
프로세서(220)는 신용카드사들을 대신하여 모바일 기기(100)에 모바일 카드를 발급하고 관리한다. 또한, 프로세서(220)는 결제 대행 게이트웨이(20), 신용카드사 서버들(30) 및 모바일 기기(100)로부터 신용카드 결제와 관련한 정보들을 수집하여 사용자 DB(230)를 구축/업데이트 한다.The processor 220 issues and manages a mobile card to the mobile device 100 on behalf of credit card companies. In addition, the processor 220 collects information related to credit card payment from the payment gateway 20, the credit card company servers 30, and the mobile device 100 to build / update the user DB 230.
4. 사용자 DB4. User DB
사용자 DB(230)는 모바일 기기의 사용자 별로 '신용카드 결제 내역'을 '신용카드 결제 위치'와 연계시켜 저장한 DB이다. 도 4에 사용자 DB(230)를 예시하였다. User DB 230 is a DB that stores the 'credit card payment history' associated with the 'credit card payment location' for each user of the mobile device. User DB 230 is illustrated in FIG. 4.
도 4에 예시된 바와 같이, 사용자 DB(230)에는 사용자 및 신용카드 별로 결제 내역들이 수록되어 있다. 결제 내역에는, 결제 금액 외에도, 결제 위치, 실적 대상, 할인 금액 및 할인율이 포함된다.As illustrated in FIG. 4, the user DB 230 stores payment details for each user and credit card. In addition to the settlement amount, the settlement details include settlement position, performance target, discount amount and discount rate.
결제 내역은 모바일 신용카드에 의한 결제 외에 플라스틱 신용카드에 의한 결제를 포함한다. 이하에서, 모바일 신용카드에 의한 결제 내역과 플라스틱 신용카드에 의한 결제 내역들을 수집하여 사용자 DB(230)에 반영하는 과정에 대해 하나씩 설명한다.The payment details include payment by plastic credit card in addition to payment by mobile credit card. Hereinafter, a process of collecting payment details using a mobile credit card and payment details using a plastic credit card and reflecting them to the user DB 230 will be described one by one.
도 5는 모바일 신용카드에 의한 결제 내역을 사용자 DB(230)에 반영하는 과정의 설명에 제공되는 도면이다.5 is a view provided to explain the process of reflecting the payment history by the mobile credit card to the user DB (230).
모바일 기기(100)에 설치된 전자 지갑 어플리케이션(160)의 모바일 결제 모듈(163)이 NFC 모듈(120)을 통해 POS 단말(10)에 모바일 결제를 수행하면(S310), 전자 지갑 어플리케이션(160)의 위치 정보 전송 모듈(167)이 통신부(140)를 통해 지갑/카드 관리 서버(200)에 현재 위치 정보를 전송한다(S320).When the mobile payment module 163 of the electronic wallet application 160 installed in the mobile device 100 performs mobile payment to the POS terminal 10 through the NFC module 120 (S310), the electronic wallet application 160 The location information transmission module 167 transmits current location information to the wallet / card management server 200 through the communication unit 140 (S320).
한편, POS 단말(10)은 결제 대행 게이트웨이(20)에 결제 정보를 전송하고(S330), 결제 대행 게이트웨이(20)은 해당 신용카드사 서버(30)에 결제 정보를 전달한다(S340). 또한, 결제 대행 게이트웨이(20)은 지갑/카드 관리 서버(200)에 결제 사실을 통보한다(S350).On the other hand, POS terminal 10 transmits the payment information to the payment agency 20 (S330), the payment gateway 20 transfers the payment information to the credit card company server 30 (S340). In addition, the payment gateway 20 notifies the wallet / card management server 200 of the payment (S350).
그러면, 지갑/카드 관리 서버(200)의 프로세서(220)는 통신 인터페이스(210)를 통해 신용카드사 서버(30)에 세부 결제 내역을 요청/수신하여(S350), S320단계에서 수신한 위치 정보와 함께 사용자 DB(230)에 추가한다(S360). S350단계에서 요청/수신하는 세부 결제 내역에는 결제 금액, 실적 대상, 할인 금액 및 할인율이 포함된다.Then, the processor 220 of the wallet / card management server 200 requests / receives a detailed payment history from the credit card company server 30 through the communication interface 210 (S350) and the location information received in step S320. Together with the user DB 230 is added (S360). The detailed payment details requested / received in step S350 include a payment amount, performance target, a discount amount, and a discount rate.
도 4에 예시된 사용자 DB(230)에서, '결제 위치'는 S320단계에서 수신한 현재 위치 정보로부터 획득한 것이고, '실적대상, 결제금액, 할인금액 및 할인율'은 S360단계에서 수신되는 세부 결제 내역으로부터 획득한 것이다.In the user DB 230 illustrated in FIG. 4, the 'payment location' is obtained from the current location information received in step S320, and the 'performance target, payment amount, discount amount and discount rate' is detailed payment received in step S360. It is obtained from the details.
도 6은 플라스틱 신용카드에 의한 결제 내역을 사용자 DB(230)에 반영하는 과정의 설명에 제공되는 도면이다.6 is a view provided to explain the process of reflecting the payment history by the plastic credit card to the user DB (230).
모바일 기기(100)의 통신부(140)에 의해 플라스틱 신용카드의 결제 내역이 수록된 SMS 메시지가 수신되면(S410), 전자 지갑 어플리케이션(160)의 SMS 처리 모듈(165)이 이를 선별하여 신용카드 종류, 결제 금액 및 결제 일시에 대한 정보를 추출하여 통신부(140)를 통해 지갑/카드 관리 서버(200)에 전송한다(S420).When the SMS message containing the payment details of the plastic credit card is received by the communication unit 140 of the mobile device 100 (S410), the SMS processing module 165 of the electronic wallet application 160 selects the credit card type, The payment information and the payment date are extracted and transmitted to the wallet / card management server 200 through the communication unit 140 (S420).
그러면, 지갑/카드 관리 서버(200)의 프로세서(220)는 통신 인터페이스(210)를 통해 신용카드사 서버(30)에 세부 결제 내역을 요청/수신하여(S430), 사용자 DB(230)에 추가한다(S440).Then, the processor 220 of the wallet / card management server 200 requests / receives the detailed payment history from the credit card company server 30 through the communication interface 210 (S430), and adds it to the user DB 230. (S440).
플라스틱 신용카드에 의한 결제의 경우, 도 4에 예시된 사용자 DB(230)의 '실적대상, 결제금액, 할인금액 및 할인율'은 물론 '결제 위치'까지도 S430단계에서 수신되는 세부 결제 내역으로부터 획득한다. 결제 위치의 경우 신용카드로 결제한 가맹점의 주소 정보를 통해, 프로세서(220)가 생성할 수 있다.In the case of payment by a plastic credit card, the 'performance target, payment amount, discount amount and discount rate' as well as 'payment location' of the user DB 230 illustrated in FIG. 4 are obtained from the detailed payment details received in step S430. . In the case of a payment location, the processor 220 may generate information about the address of the affiliated store that has paid with a credit card.
이에 의해, 사용자 DB(230)에는 모바일 신용카드는 물론 플라스틱 신용카드에 의한 결제까지도 DB화 할 수 있게 되어, 후술할 사용실적 충족 여부 판단시 양자 모두에 의한 사용실적을 반영할 수 있게 된다.As a result, the user DB 230 can be made not only a mobile credit card but also a payment by a plastic credit card. The user DB 230 can reflect the results of use by both when determining whether the use results are described later.
한편, S420단계에서 전자 지갑 어플리케이션(160)의 SMS 처리 모듈(165)로부터 지갑/카드 관리 서버(200)에 전송되는 결제 정보들 중 신용카드 종류를 제외한 나머지는 생략 가능하다. 즉, 사용자가 사용한 플라스틱 신용카드의 종류만 통보하여도 무방하다. 나머지 정보들은, S430단계에서, 지갑/카드 관리 서버(200)가 신용카드사 서버(30)로부터 모두 획득할 수 있기 때문이다.On the other hand, in step S420 of the payment information transmitted from the SMS processing module 165 of the electronic wallet application 160 to the wallet / card management server 200 can be omitted except for the credit card type. In other words, it is possible to notify only the type of plastic credit card used by the user. This is because the remaining information, in step S430, the wallet / card management server 200 can obtain all from the credit card company server 30.
5. 모바일 카드 추천 방법5. How to recommend a mobile card
이하에서는, 지갑/카드 관리 서버(200)가 모바일 기기(100)의 SE(150)에 발급되어 있는 모바일 신용카드들(155) 중 '현재'의 '장소'에서 최적의 모바일 신용카드를 추천하는 과정에 대해, 도 7을 참조하여 상세히 설명한다. 도 7은 본 발명의 일 실시예에 따른 최적의 모바일 신용카드 추천 방법의 설명에 제공되는 흐름도이다.Hereinafter, the wallet / card management server 200 recommends the optimal mobile credit card at the 'place' of the 'current' of the mobile credit cards 155 issued to the SE 150 of the mobile device 100. The process will be described in detail with reference to FIG. 7. 7 is a flowchart provided to explain an optimal mobile credit card recommendation method according to an embodiment of the present invention.
도 7에 도시된 바와 같이, 지갑/카드 관리 서버(200)의 프로세서(220)가 통신 인터페이스(210)를 통해 모바일 기기(100)의 전자 지갑 어플리케이션(160)으로부터 현재 위치 정보를 수신한다(S510).As shown in FIG. 7, the processor 220 of the wallet / card management server 200 receives current location information from the electronic wallet application 160 of the mobile device 100 through the communication interface 210 (S510). ).
전자 지갑 어플리케이션(160)이 실행된 후 사용자에 의해 결제 기능이 선택(즉, 결제 메뉴 진입)되면, 위치 정보 전송 모듈(167)은 모바일 기기(100)의 현재 위치 정보를 지갑/카드 관리 서버(200)에 전송하므로, 지갑/카드 관리 서버(200)의 프로세서(220)는 S510단계를 통해 사용자의 결제 위치를 파악하게 된다.When the payment function is selected by the user after the electronic wallet application 160 is executed (that is, entering the payment menu), the location information transmission module 167 may transmit the current location information of the mobile device 100 to the wallet / card management server ( 200, the processor 220 of the wallet / card management server 200 determines the payment location of the user through step S510.
다음, 지갑/카드 관리 서버(200)의 프로세서(220)는 S510단계에서 수신된 위치에서 신용카드 결제를 사용실적으로 인정하는 모바일 신용카드들을 사용자 DB(230)에서 검색하고(S520), 검색된 모바일 신용카드에서 요구실적에 미달되는 모바일 신용카드를 재검색한다(S530).Next, the processor 220 of the wallet / card management server 200 searches for the mobile credit cards in the user DB 230 that recognizes the credit card payment in the location received in step S510 (S520), the retrieved mobile In step S530, the mobile credit card is re-searched under the credit card.
S520단계와 S530단계를 모두 충족하는 모바일 신용카드가 존재하는 경우, 지갑/카드 관리 서버(200)의 프로세서(220)는 이를 디폴트 결제카드로 결정하여(S540), 통신 인터페이스(210)를 통해 모바일 기기(100)로 통보한다(S550).When there is a mobile credit card that satisfies steps S520 and S530, the processor 220 of the wallet / card management server 200 determines the default payment card (S540) and performs the mobile communication through the communication interface 210. The device 100 notifies (S550).
이에, 모바일 기기(100)에 실행된 전자 지갑 어플리케이션(160)의 카드 관리 모듈(161)은 S550단계를 통해 통보받은 모바일 신용카드를 디폴트 결제카드로 설정한다. 디폴트 결제카드로 설정된 모바일 신용카드는 모바일 결제 전까지 사용자의 의도적인 변경이 없는 경우 모바일 결제에 사용된다.Accordingly, the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 sets the mobile credit card notified in step S550 as the default payment card. The mobile credit card set as the default payment card is used for mobile payment unless there is an intentional change by the user before the mobile payment.
사용자 DB(230)가 도 4에 예시된 바와 같은 경우, S510단계에서 수신한 현재 위치가 (x1,y1)이면, S520단계에서 모바일 신용카드 "C1"과 "C3"이 검색되는데, 모바일 신용카드 "C3"은 요구실적이 초과 되었으므로 S530단계에서 배제된다. 이에 따라, S540단계/S550단계에서 결정/통보되는 모바일 신용카드는 "C1"이다.In the case where the user DB 230 is illustrated in FIG. 4, if the current position received at step S510 is (x 1 , y 1 ), the mobile credit cards “C 1 ” and “C 3 ” are searched at step S520. , Mobile credit card "C 3 " is excluded in step S530 because the required performance was exceeded. Accordingly, the mobile credit card determined / notified in step S540 / S550 is “C 1 ”.
만약, S520단계와 S530단계를 수행한 결과 해당되는 모바일 신용카드가 다수인 경우, S540단계에서 지갑/카드 관리 서버(200)의 프로세서(220)가 하나의 모바일 신용카드를 선택할 것이 요구된다.If, as a result of performing steps S520 and S530, a plurality of mobile credit cards are applicable, it is required in step S540 that the processor 220 of the wallet / card management server 200 selects one mobile credit card.
이를 위해, 지갑/카드 관리 서버(200)의 프로세서(220)는, 해당되는 다수의 모바일 신용카드들 중, 1) 할인율이 가장 높은 모바일 신용카드, 2) 요구실적 미달금액 또는 미달비율이 가장 높은 모바일 신용카드, 또는 3) 사용자에 의해 설정된 우선순위(예를 들면, 요구실적 달성 우선순위)를 기초로, 하나의 모바일 신용카드를 선택할 수 있다.To this end, the processor 220 of the wallet / card management server 200, 1) of the corresponding mobile credit card, 1) the highest mobile credit card with the highest discount rate, 2) less than the required performance amount or the highest rate One mobile credit card may be selected based on the mobile credit card, or 3) a priority set by the user (eg, a request achievement priority).
한편, S520단계 또는 S530단계를 수행한 결과 해당되는 모바일 신용카드가 하나도 없는 경우(S520-N 또는 S530-N), 지갑/카드 관리 서버(200)의 프로세서(220)는 S510단계에서 수신된 위치에서 신용카드 결제시 할인이 적용되는 모바일 신용카드를 사용자 DB(230)에서 검색한다(S560).On the other hand, if there is no corresponding mobile credit card as a result of performing step S520 or step S530 (S520-N or S530-N), the processor 220 of the wallet / card management server 200 is the location received in step S510 In step S560, the mobile credit card to which the discount is applied at the time of credit card payment is applied.
S560단계를 충족하는 모바일 신용카드가 존재하는 경우, 지갑/카드 관리 서버(200)의 프로세서(220)는 이를 디폴트 결제카드로 결정하여(S540), 통신 인터페이스(210)를 통해 모바일 기기(100)로 통보한다(S550).If there is a mobile credit card satisfying step S560, the processor 220 of the wallet / card management server 200 determines this as the default payment card (S540), the mobile device 100 through the communication interface 210 Notify to (S550).
사용자 DB(230)가 도 4에 예시된 바와 같은 경우, S510단계에서 수신한 현재 위치가 (x3,y3)이면, S520단계와 S530단계 모두에 해당하는 모바일 신용카드는 없고, S560단계에 해당하는 모바일 신용카드 "C1"가 검색되므로, S540단계/S550단계에서 결정/통보되는 모바일 신용카드는 "C1"이다.In the case where the user DB 230 is illustrated in FIG. 4, if the current location received in step S510 is (x 3 , y 3 ), there is no mobile credit card corresponding to both step S520 and step S530. Since the corresponding mobile credit card "C 1 " is searched, the mobile credit card determined / notified in step S540 / S550 is "C 1 ".
만약, S560단계를 수행한 결과 해당되는 모바일 신용카드가 다수인 경우, S540단계에서 지갑/카드 관리 서버(200)의 프로세서(220)가 하나의 모바일 신용카드를 선택할 것이 요구된다.If, as a result of performing step S560, there are a large number of mobile credit cards, the processor 220 of the wallet / card management server 200 selects one mobile credit card in step S540.
이를 위해, 지갑/카드 관리 서버(200)의 프로세서(220)는, 해당되는 다수의 모바일 신용카드들 중, 1) 할인율이 가장 높은 모바일 신용카드, 또는 2) 사용자가 설정한 우선순위를 기초로, 하나의 모바일 신용카드를 선택할 수 있다.To this end, the processor 220 of the wallet / card management server 200, based on the number of mobile credit cards, 1) the mobile credit card with the highest discount rate, or 2) the priority set by the user You can choose one mobile credit card.
한편, S560단계를 수행하였음에도 해당되는 모바일 신용카드가 없는 경우(S560-N), 지갑/카드 관리 서버(200)의 프로세서(220)는 디폴트 결제카드를 결정하지 않으며(S580), 결정하지 않았다는 그 결과만을 통신 인터페이스(210)를 통해 모바일 기기(100)로 통보한다(S550).On the other hand, even if the step S560 does not have a corresponding mobile credit card (S560-N), the processor 220 of the wallet / card management server 200 does not determine the default payment card (S580), that did not determine that Only the result is notified to the mobile device 100 through the communication interface 210 (S550).
이 경우, 모바일 기기(100)에 실행된 전자 지갑 어플리케이션(160)의 카드 관리 모듈(161)은 자체적으로 보유하고 있는 우선순위에 따라 모바일 신용카드들 중 하나를 디폴트로 선정한다.In this case, the card management module 161 of the electronic wallet application 160 executed in the mobile device 100 selects one of the mobile credit cards by default according to its own priority.
도 8은 본 발명의 다른 실시예에 따른 최적의 모바일 신용카드 추천 방법의 설명에 제공되는 흐름도이다.8 is a flowchart provided to explain an optimal mobile credit card recommendation method according to another embodiment of the present invention.
도 8에 도시된 바와 같이, 지갑/카드 관리 서버(200)의 통신 인터페이스(210)를 통해 모바일 기기(100)의 전자 지갑 어플리케이션(160)으로부터 현재 위치 정보를 수신하면(S610), 지갑/카드 관리 서버(200)의 프로세서(220)는 오늘이 20日 이후인지 판단한다(S620).As shown in FIG. 8, when current location information is received from the electronic wallet application 160 of the mobile device 100 through the communication interface 210 of the wallet / card management server 200 (S610), the wallet / card The processor 220 of the management server 200 determines whether today is 20 days later (S620).
S620단계에서 20日 이후로 판단되면(S620-Y), 프로세서(220)는 할인 보다 요구실적에 우선을 두어 디폴트 결제카드를 결정한다(S630). 즉, 'S610단계에서 수신된 위치에서 할인 혜택이 있는 모바일 신용카드'와 'S610단계에서 수신된 위치에서 사용실적이 인정되고 현재 요구실적에 미달된 모바일 신용카드'가 모두 존재하는 경우, 프로세서(220)는 요구실적에 미달된 모바일 신용카드를 디폴트 결제카드로 결정한다.If it is determined after 20 days in step S620 (S620-Y), the processor 220 determines the default payment card by giving priority to the required performance over the discount (S630). That is, when both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card where the usage record is recognized at the location received in step S610 and are less than the current demand' are present, the processor ( 220 determines that the mobile credit card that has failed the required performance is the default payment card.
해당되는 모바일 신용카드가 다수인 경우라면, 프로세서(220)는 할인율, 미달금액/미달비율, 또는 요구실적 달성 우선순위를 기초로 하나의 모바일 신용카드를 선택한다.If there are a large number of mobile credit cards, the processor 220 selects one mobile credit card based on a discount rate, an amount of under payment / under rate, or a priority of achievement of required performance.
반면, S610단계에서 수신된 위치에서 사용실적이 인정되는 모바일 신용카드들 중 현재 요구실적에 미달된 모바일 신용카드가 없는 경우, 프로세서(220)는 'S610단계에서 수신된 위치에서 할인 혜택이 있는 모바일 신용카드'를 디폴트 결제카드로 결정한다. 해당되는 모바일 신용카드가 다수인 경우, 프로세서(220)는 할인율을 기초로 하나를 선택한다.On the other hand, if there is no mobile credit card that meets the current requirements among the mobile credit cards that are accepted at the location received in step S610, the processor 220 is a mobile with a discount at the location received in step S610 'Credit card' is determined as the default payment card. If there are a large number of mobile credit cards, the processor 220 selects one based on the discount rate.
한편, S620단계에서 20日 이전으로 판단되면(S620-N), 프로세서(220)는 요구실적 보다 할인에 우선을 두어 디폴트 결제카드를 결정한다(S640). 즉, 'S610단계에서 수신된 위치에서 할인 혜택이 있는 모바일 신용카드'와 '할인 혜택은 없지만 S610단계에서 수신된 위치에서 사용실적이 인정되고 현재 요구실적에 미달된 모바일 신용카드'가 모두 존재하는 경우, 프로세서(220)는 할인 혜택이 있는 모바일 신용카드를 디폴트 결제카드로 결정한다.On the other hand, if it is determined 20 days before in step S620 (S620-N), the processor 220 determines the default payment card by giving priority to the discount rather than the required performance (S640). In other words, both the 'mobile credit card with a discount at the location received in step S610' and the 'mobile credit card without discount, but at the location received in step S610 are accepted and are currently under the required performance' In this case, the processor 220 determines a mobile credit card having a discount as the default payment card.
해당되는 모바일 신용카드가 다수인 경우라면, 프로세서(220)는 할인율을 기초로 하나의 모바일 신용카드를 선택한다.If there are a plurality of mobile credit cards, the processor 220 selects one mobile credit card based on the discount rate.
반면, S610단계에서 수신된 위치에서 할인 혜택이 있는 모바일 신용카드가 없는 경우, 프로세서(220)는 '할인 혜택은 없지만 S610단계에서 수신된 위치에서 사용실적이 인정되는 모바일 신용카드들 중 현재 요구실적에 미달된 모바일 신용카드'를 디폴트 결제카드로 결정한다. 해당되는 모바일 신용카드가 다수인 경우, 프로세서(220)는 할인율, 미달금액/미달비율, 또는 요구실적 달성 우선순위를 기초로 하나의 모바일 신용카드를 선택한다.On the other hand, if there is no mobile credit card with a discount in the location received in step S610, the processor 220 is' the discount requirement, but the current required performance of the mobile credit cards that are accepted in the location received in step S610 A mobile credit card that is less than '' is determined as the default payment card. When there are a large number of mobile credit cards, the processor 220 selects one mobile credit card based on a discount rate, a low amount / low rate, or a request achievement achievement priority.
한편, 요구실적 미달을 방지하는 차원에서, 25日이 되면 지갑/카드 관리 서버(200)의 프로세서(220)가 모바일 기기(100)의 전자 지갑 어플리케이션(160)에 요구실적이 미달된 모바일 신용카드를 안내하면서 물품/서비스를 구매할 것을 안내할 수 있다.On the other hand, in order to prevent underperforming demand, the processor 220 of the wallet / card management server 200 reaches the e-wallet application 160 of the mobile device 100 when the demand is less than 25 days. You can guide them to purchase goods / services.
이때, 물품/서비스 구매는 요구실적이 미달된 모바일 신용카드의 사용실적으로 인정될 수 있는 것이어야 하고, 무의미한 소비를 지양하는 차원에서 생활필수품(쌀, 식수, 비누 등) 또는 생활필수 서비스(대중교통 서비스, 학원, 휘트니스 서비스 등)를 추천하는 것이 바람직하다. 생활필수품과 생활필수 서비스는 사용자가 사전에 설정하도록 구현가능하다.At this time, the purchase of goods / services should be one that can be recognized as the use of a mobile credit card that has failed the required performance, and essential items (rice, drinking water, soap, etc.) or essential services (public, etc.) in order to avoid meaningless consumption. Transportation services, schools, fitness services, etc.) is recommended. The daily necessities and essential services can be implemented by the user in advance.
다른 한편으로, 도 8의 S620단계에서 언급한 20日은 예시적인 것으로 다른 일자로 수정가능하다. 이때, 다른 일자는 사용자의 신용카드 사용 패턴(즉, 과거 사용자의 실제 신용카드 결제 내역들)을 기초로 결정하는 것도 가능하다. 월말에 신용카드 사용금액이 많은 경우 우선 순위 선정에 기준이 되는 위 일자는 더 늦은 일자로 결정될 것이고, 월말에 신용카드 사용금액이 적은 경우 위 일자는 더 빠른 일자로 결정될 것이다.On the other hand, 20 days mentioned in step S620 of FIG. 8 is exemplary and may be modified on another date. In this case, another date may be determined based on the user's credit card usage pattern (ie, the actual credit card payment history of the past user). If the amount of credit card usage is high at the end of the month, the date above which the priority is selected will be determined later. If the amount of credit card usage is low at the end of the month, the date will be earlier.
6. 변형예6. Modifications
위 실시예에서 지갑/카드 관리 서버(200)는 하나의 디폴트 결제카드를 통보하는 방식으로 최적의 모바일 신용카드를 추천하는 것을 상정하였는데, 예시적인 것으로 변형이 가능하다. 예를 들어, 지갑/카드 관리 서버(200)가 다수의 모바일 신용카드들을 추천 우선 순위에 따라 리스트로 모바일 기기(100)의 전자 지갑 어플리케이션(160)에 통보하는 것도 가능하다.In the above embodiment, the wallet / card management server 200 assumes the recommendation of the optimal mobile credit card in a manner of notifying one default payment card. For example, it is also possible for the wallet / card management server 200 to notify the electronic wallet application 160 of the mobile device 100 in a list of a plurality of mobile credit cards in accordance with the recommendation priority.
또한, 위 실시예에서 사용자 DB 관리 및 모바일 신용카드 추천은 지갑/카드 관리 서버(200)가 담당하는 것을 상정하였는데, 예시적인 것으로 변형이 가능하다. 예를 들어, 이 기능들을 모바일 기기(100)의 전자 지갑 어플리케이션(160)에 탑재시키는 것도 가능하다.In addition, in the above embodiment, it is assumed that the user DB management and the mobile credit card recommendation are handled by the wallet / card management server 200, but it may be modified to be exemplary. For example, it is possible to incorporate these functions into the electronic wallet application 160 of the mobile device 100.
아울러, 본 발명의 기술적 사상은 모바일 신용카드 이외의 다른 모바일 카드(예를 들어, 모바일 선불카드, 모바일 직불카드 등)에도 적용될 수 있다.In addition, the technical idea of the present invention may be applied to other mobile cards (eg, mobile prepaid card, mobile debit card, etc.) other than the mobile credit card.
한편, 본 실시예에 따른 장치와 방법의 기능을 수행하게 하는 컴퓨터 프로그램을 수록한 컴퓨터로 읽을 수 있는 기록매체에도 본 발명의 기술적 사상이 적용될 수 있음은 물론이다. 또한, 본 발명의 다양한 실시예에 따른 기술적 사상은 컴퓨터로 읽을 수 있는 기록매체에 기록된 컴퓨터로 읽을 수 있는 코드 형태로 구현될 수도 있다. 컴퓨터로 읽을 수 있는 기록매체는 컴퓨터에 의해 읽을 수 있고 데이터를 저장할 수 있는 어떤 데이터 저장 장치이더라도 가능하다. 예를 들어, 컴퓨터로 읽을 수 있는 기록매체는 ROM, RAM, CD-ROM, 자기 테이프, 플로피 디스크, 광디스크, 하드 디스크 드라이브, 등이 될 수 있음은 물론이다. 또한, 컴퓨터로 읽을 수 있는 기록매체에 저장된 컴퓨터로 읽을 수 있는 코드 또는 프로그램은 컴퓨터간에 연결된 네트워크를 통해 전송될 수도 있다.On the other hand, the technical idea of the present invention can be applied to a computer-readable recording medium containing a computer program for performing the functions of the apparatus and method according to the present embodiment. In addition, the technical idea according to various embodiments of the present disclosure may be implemented in the form of computer readable codes recorded on a computer readable recording medium. The computer-readable recording medium can be any data storage device that can be read by a computer and can store data. For example, the computer-readable recording medium may be a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical disk, a hard disk drive, or the like. In addition, the computer-readable code or program stored in the computer-readable recording medium may be transmitted through a network connected between the computers.
또한, 이상에서는 본 발명의 바람직한 실시예에 대하여 도시하고 설명하였지만, 본 발명은 상술한 특정의 실시예에 한정되지 아니하며, 청구범위에서 청구하는 본 발명의 요지를 벗어남이 없이 당해 발명이 속하는 기술분야에서 통상의 지식을 가진자에 의해 다양한 변형실시가 가능한 것은 물론이고, 이러한 변형실시들은 본 발명의 기술적 사상이나 전망으로부터 개별적으로 이해되어져서는 안될 것이다.In addition, although the preferred embodiment of the present invention has been shown and described above, the present invention is not limited to the specific embodiments described above, but the technical field to which the invention belongs without departing from the spirit of the invention claimed in the claims. Of course, various modifications can be made by those skilled in the art, and these modifications should not be individually understood from the technical spirit or the prospect of the present invention.

Claims (16)

  1. 모바일 기기의 위치 정보를 수신하는 단계;Receiving location information of the mobile device;
    상기 수신단계에서 수신한 상기 위치 정보를 기초로, 모바일 결제에 이용할 최적의 모바일 카드를 결정하는 단계; 및Determining an optimal mobile card to be used for mobile payment based on the location information received in the receiving step; And
    상기 결정단계에서 결정된 모바일 카드를 상기 모바일 기기에 통보하는 단계;를 포함하는 것을 특징으로 하는 모바일 카드 추천 방법.And notifying the mobile device of the mobile card determined in the determining step.
  2. 제 1항에 있어서,The method of claim 1,
    상기 결정단계는,The determining step,
    상기 위치 정보가 나타내는 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.The mobile card recommendation method, characterized in that for determining the mobile card that the payment at the location indicated by the location information is recognized as a usage record and the usage record is insufficient.
  3. 제 2항에 있어서,The method of claim 2,
    상기 결정단계는,The determining step,
    상기 위치에서 과거의 실제 결제 내역이 수록된 DB를 참고하여, 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.Mobile card recommendation method, characterized in that for determining the mobile card, by referring to the DB containing the past actual payment history at the location.
  4. 제 3항에 있어서,The method of claim 3, wherein
    상기 모바일 기기를 통해 수행한 모바일 결제 내역을 수신하는 단계; 및Receiving a mobile payment history performed through the mobile device; And
    상기 모바일 결제 내역과 상기 위치 정보를 기초로, 상기 DB를 업데이트 하는 단계;를 더 포함하는 것을 특징으로 하는 모바일 카드 추천 방법.Updating the DB based on the mobile payment history and the location information; Mobile card recommendation method further comprising.
  5. 제 2항에 있어서,The method of claim 2,
    상기 결정단계는,The determining step,
    상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드가 다수이면, 할인율이 가장 높은 모바일 카드, 미달금액이 가장 큰 모바일 카드, 미달율이 가장 높은 모바일 카드 또는 우선순위가 가장 높은 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.If the payment is accepted at the location and there are a large number of mobile cards that have underperformed usage, the mobile card with the highest discount rate, the mobile card with the lowest amount, the mobile card with the lowest rate, or the highest priority A mobile card recommendation method comprising determining a mobile card.
  6. 제 2항에 있어서,The method of claim 2,
    상기 결정단계는,The determining step,
    상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드가 존재하지 않으면, 할인율이 가장 높은 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.The mobile card recommendation method of claim 1, wherein the mobile card having the highest discount rate is determined when the payment at the location is recognized as a use record and there is no mobile card.
  7. 제 5항 또는 제 6항에 있어서,The method according to claim 5 or 6,
    상기 결정단계는,The determining step,
    상기 위치 정보에서 과거의 실제 결제 내역이 수록된 DB를 참고하여, 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.Mobile card recommendation method, characterized in that for determining the mobile card by referring to the DB containing the actual payment history of the past in the location information.
  8. 제 2항에 있어서,The method of claim 2,
    상기 결정단계는,The determining step,
    현재 일자가 제1 기간에 포함되는 경우, 상기 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.If the current date is included in the first period, the mobile card recommendation method, characterized in that for determining the mobile card that the payment at the location is recognized as a usage record and the usage record is insufficient.
  9. 제 8항에 있어서,The method of claim 8,
    상기 결정단계는,The determining step,
    현재 일자가 제2 기간에 포함되는 경우, 상기 위치에서의 할인율이 가장 높은 모바일 카드를 결정하는 것을 특징으로 하는 모바일 카드 추천 방법.If the current date is included in the second period, determining the mobile card having the highest discount rate at the location.
  10. 제 8항에 있어서,The method of claim 8,
    상기 제1 기간은,The first period,
    과거의 실제 결제 내역들을 기초로 결정되는 것을 특징으로 하는 모바일 카드 추천 방법.Mobile card recommendation method, characterized in that determined based on the actual payment history in the past.
  11. 제 1항에 있어서,The method of claim 1,
    상기 수신단계는,The receiving step,
    상기 모바일 기기에서 모바일 결제를 위한 전자 지갑 어플리케이션이 실행된 후 결제 기능이 선택된 경우에 상기 모바일 기기로부터 수신되는 것을 특징으로 하는 모바일 카드 추천 방법.Mobile card recommendation method, characterized in that received from the mobile device if the payment function is selected after the electronic wallet application for mobile payment on the mobile device is executed.
  12. 모바일 기기와 통신 가능하도록 연결되는 통신 인터페이스; 및A communication interface coupled to communicate with the mobile device; And
    상기 통신 인터페이스를 통해 상기 모바일 기기의 위치 정보를 수신하고, 상기 위치 정보를 기초로 모바일 결제에 이용할 최적의 모바일 카드를 결정하며, 결정된 모바일 카드를 상기 통신 인터페이스를 통해 상기 모바일 기기에 통보하는 프로세서;를 포함하는 것을 특징으로 하는 관리 서버.A processor configured to receive the location information of the mobile device through the communication interface, determine an optimal mobile card to use for mobile payment based on the location information, and notify the mobile device of the determined mobile card through the communication interface; Management server comprising a.
  13. 현재 위치 정보를 서버에 전송하는 단계;Transmitting current location information to a server;
    상기 현재 위치 정보를 기초로 상기 서버가 결정한 모바일 결제에 최적의 모바일 카드를, 상기 서버로부터 통보받는 단계; 및Receiving, from the server, a mobile card that is optimal for mobile payment determined by the server based on the current location information; And
    상기 통보단계에서 통보된 모바일 카드가 모바일 결제에 이용가능하도록 처리하는 단계;를 포함하는 것을 특징으로 하는 모바일 결제 방법.And processing the mobile card notified in the notification step to be available for mobile payment.
  14. 제 13항에 있어서,The method of claim 13,
    상기 최적의 모바일 카드는,The optimal mobile card,
    상기 현재 위치 정보가 나타내는 위치에서의 결제가 사용실적으로 인정되고 사용실적이 미달된 모바일 카드인 것을 특징으로 하는 모바일 결제 방법.The mobile payment method, characterized in that the payment at the location indicated by the current location information is a mobile card that is recognized as a use record and the use record is insufficient.
  15. 제 14항에 있어서,The method of claim 14,
    상기 최적의 모바일 카드는,The optimal mobile card,
    상기 위치에서 과거의 실제 결제 내역이 수록된 DB를 참고로 결정되는 것을 특징으로 하는 모바일 결제 방법.Mobile payment method, characterized in that determined in reference to the DB containing the actual payment history of the past.
  16. 현재 위치 정보를 파악하는 단계;Identifying current location information;
    상기 현재 위치 정보를 기초로, 모바일 결제에 이용할 최적의 모바일 카드를 결정하는 단계; 및Determining an optimal mobile card to use for mobile payment based on the current location information; And
    상기 결정단계에서 결정된 모바일 카드를 모바일 결제에 이용가능하도록 처리하는 단계;를 포함하는 것을 특징으로 하는 모바일 결제 방법.And processing the mobile card determined in the determining step to be available for mobile payment.
PCT/KR2014/007794 2013-08-22 2014-08-21 Method for recommending mobile payment card on basis of payment card use location and past payment history, and management server applying same WO2015026184A1 (en)

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