KR20120081483A - Suit one's use card - Google Patents

Abstract

PURPOSE: The most appropriate card recommendation, in situation of card payment, recommends the most appropriate cards when a client selects a category, by classifying each vendor and each product into categories. CONSTITUTION: Information, which each card company offers, is collected, and the collected information is stored in database. If a client selects a category he hopes to use, the client is identified if the client is a member. If the client is not a member, the most appropriate card, which is the closest card with discounts of the selected category, is recommended in order. If the client is a member, the client is identified if the client has a main card and some cards.

Description

Recommend the best card for payment {suit one's use card}

The present invention relates to recommending a card used by a customer for payment in face-to-face transactions or e-commerce, and more specifically, for each card provided by each card company, merchant discounts, card-specific benefits, and periods for maintaining benefits. By collecting and DBizing information such as minimum usage amount, benefits of point accumulation, annual fee, etc., it is easy to use by customers, and categorizes them by each vendor and product. Select a category to recommend the best card discounts and benefits, and the best card that best suits the discounts and benefits. It is.

Generally, there is a difference in the discounts or benefits of the card depending on the seller or product, so if you are issued a card according to the seller or product, and you are issued a card according to the discount or benefit, you have three or four credit cards and affiliate cards. . In addition, if you are issued a credit card and affiliate card in order to receive invitations of acquaintances and various events and services that occur in addition to membership competition by card companies, you will have several cards.

Since a lot of cards have been issued, what kind of card should I use to get discounts or benefits by vendor and product? What cards do I need to keep at an annual fee? What is the right card to issue a new card? I do not know is feeling uncomfortable.

They also want to reduce spending by using the best card with the best discounts and benefits when using the card, and reduce spending by using the card with the most benefits as the main seller or product.

The present invention is to solve such a problem, each card provided by each card company to collect and DB information such as merchant discount, card-specific benefits, minimum usage amount per period to maintain the benefits, points earned benefits, annual fee, etc. By dividing the categories by seller and product easily, you can select the vendor or product category you want to use when paying for face-to-face or e-commerce transactions. If you recommend in the order of the holding card, in the order of the whole card, the purpose of the customer to compare and use the holding card or to receive a new card can be used to reduce the expenses as possible.

For each card provided by each card company, collect and store information such as merchant discount, card-specific benefits, minimum usage amount per period to maintain benefits, point-earning benefits, annual fee, etc. If you select the vendor or product category that you want to use, you can recommend the best card discounts and benefits and the best cards in order of holding card and all cards in order. New cards can be issued and used.

It also allows customers to use their cards as the main card that can benefit the most from the vendors or products they usually use, and which cards should be kept when paying the annual fee, or when they want to get a new card. You can see if it should be issued.

As described above, by dividing the categories by sellers and products for easy use, customers select the categories they want to use. If you recommend in full card order, customers can compare and use their own cards or get a new card.

In addition, the card allows customers to use the card that can receive the most benefits for the seller or product they usually use as the main card, what card to keep even at an annual fee, and which card to get a new card. You can find out if you need to issue a new one.

1 is a configuration diagram for recommending a suitable card.

The accompanying drawings are schematic diagrams illustrating examples of the present invention in order to achieve this object.

Collect and DBize information such as card merchant discounts, card benefits, minimum usage amount per period to maintain benefits, points earning benefits, annual fee, etc. provided by each card company.

If customers select the category they want to use by dividing the categories by products for each vendor for easy use

If you are a member and you are not a member, we will recommend the best cards in order from the whole cards in order to best suit the discounts and benefits of the selected category.

If you are a member, check the presence of the flagship card and holding card, or if you do not want to register additional cards, and if you do not register additional registration, the flagship card discounts and benefits and discounts and benefits of the selected category is the best Recommend the best cards in order of holding cards and in order of all cards so that customers can compare and use holding cards or receive new cards.

The present invention has been described in detail using the preferred examples of the schematic.

Claims (6)

Each card provided by each card company collects information such as merchant discount, card-specific benefits, minimum usage amount per period to maintain benefits, point-earning benefits, annual fee, etc. If you select the vendor or product category that you want to use, you can recommend the best card discounts and benefits and the best cards in order of holding card and all cards in order. Newly issued card to be used.
The method of claim 1, wherein the information provided by each card company collects information such as affiliate store discounts, card-specific benefits, minimum usage amount per period for maintaining the benefits, points earning benefits, annual fee, and builds a DB.
The method of claim 1, wherein the categories are categorized by seller and product for easy use by customers.
4. The method of claim 3, wherein the DB contents of claim 1 are sorted by item in order from the whole card to the optimal card having the best discounts and benefits when the classified seller or product category is selected.
The method of claim 1, wherein when registering a holding card and selecting a divided category, the DB contents of claim 1 are displayed in order from the holding card in order for an optimal card having the most suitable discount and benefit.
The method of claim 1, wherein registering the flag card and selecting a separate category, displays the DB contents of claim 1 of the card card.

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