KR20020094340A - Method and system for providing ads to the mobile phone after credit card was used - Google Patents

Abstract

The present invention provides a method and system for providing an advertisement on a mobile phone in conjunction with the use of a credit card. To this end, the present invention receives the advertisement information from the advertisement information request store and stores it in the promotion DB. In addition, the server providing the present invention is connected to the server of the credit card company, and provides the relevant information to the mobile phone based on the purchase information for the credit card holder when the credit card holder uses the credit card at the merchant of the credit card company Do it. Therefore, as the user performs a certain act using a credit card, the user's convenience is increased by providing advertisements and service information related thereto to the user's mobile phone.

Description

{Method and system for providing ads to the mobile phone after credit card was used}

The present invention relates to a method and system for providing an advertisement on a mobile phone in conjunction with the use of a credit card. More particularly, when a mobile phone user uses a credit card in a specific region, an advertisement related to a store near the region is displayed on the mobile phone. To provide a method and system.

As the information society has developed and differentiated, commodity consumers can receive relevant information on overall products. In other words, it is possible to receive a variety of advertising information in one area while moving. These advertisements are provided to a mobile terminal by providing advertisement information to the mobile terminal in real time. It allows users to receive information. However, there is a disadvantage in that advertising by this method is indiscriminate, that is, since it is transmitted to the mobile phone user regardless of the region or one's intention, it does not provide useful advertisement information to the user. This improvement is intended to provide useful information by matching the user's personal information with advertisements in a specific region as the advertisement providing method shown in FIG. 1.

In more detail with reference to FIG. 1, when a mobile phone user registers as a member to receive an advertisement from a mobile communication advertising company, a suitable customer database is generated accordingly. When the advertisement information to be provided by the created customer database is extracted and the mobile phone user is in a certain area, the base station in charge of this area checks the radio signal transmitted from the mobile phone and transmits it to the main server. The identification information is extracted and provided on the user's mobile phone by extracting advertisement information such as advertisements of goods and services that are most easily accessible from the user's location. The invention in this regard is described in detail in the previously filed application 2000-0059189.

According to this advertising method, it is possible to limit the advertisement information to the region or provide the user with information suitable for the user's personal information on the mobile phone. However, despite providing a variety of information on the mobile phone according to the increase in the advertising information day by day to give the user a one-sided inconvenience to receive even the ads he does not want. In addition, even when the user does not want to receive the shopping information, such as during work, it is very inconvenient because the advertisement information is unilaterally received.

The present invention has been made to solve the above-described problems, and an object thereof is to accurately provide advertisement information in a specific region to a mobile phone user.

In addition, as the user performs certain activities by using a credit card, the purpose is to provide advertisements and service information related to the user's mobile phone.

In addition, it aims to provide a method of accurately tracking the location of a mobile phone user and specifying a suitable area to extract appropriate advertisement information from a database.

1 is a flowchart illustrating an advertisement method using a mobile communication terminal according to the related art.

2 is a system block diagram of the present invention.

3 is a block diagram for collecting information about a user using a credit card in the present invention.

4A shows a block diagram for generating information providing data to be sent to a mobile phone, and FIG. 4B shows how a rule-based management system works.

FIG. 5 is an embodiment of generating information data to be provided to a user by the process of FIG. 4.

6 is a flowchart illustrating a process in which specific information is provided to a user according to the present invention.

7 is a view showing an example of the execution of the information data screen is displayed on the screen of the user's mobile communication terminal according to the present invention.

The present invention provides a method and system for providing an advertisement on a mobile phone in conjunction with the use of a credit card. To this end, the present invention receives the advertisement information from the advertisement information request store and stores it in the promotion DB. In addition, the server providing the present invention is connected to the server of the credit card company, when the credit card holder uses the credit card in the merchants of the credit card provider to provide relevant advertisements to the mobile phone based on the purchase information for the credit card holder Do it.

Therefore, the credit card user has less effort to find the relevant information directly.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a system block diagram of the present invention.

In order to apply the present invention, a credit card user must have a mobile phone or a similar mobile communication terminal, and data about the user can be provided through a member entry form normally used offline or a member information registration screen provided online. Therefore, the present invention is not limited thereto, and the user has a mobile phone, and the personal information data of the user is explained on the assumption that the mobile phone number of the mobile phone enables the user to receive information from the server of the present invention. Proceed. Of course, the mobile phone constituting the components of the invention is not limited to the mobile phone, as long as it is a mobile communication terminal capable of transmitting and transmitting.

The configuration of the present invention is composed of three major server functions, which shows a credit card server operated by a credit card company, a CRM server for providing the present invention, and a transfer for transmitting information data provided by a CRM server to a mobile phone. It consists of a server.

First of all, the credit card company server 200, which is one of the three components, stores a user's personal information in a database when a credit card user registers as a member and registers the information. It will be received from them and registered in the database. The credit card company server 200 having the merchant information and the card user information in the database includes various card company server interfaces 210 such as modem connection using a general telephone line, connection using a LAN, and connection using a wireless LAN. By connecting to the CRM server 230, the present invention is not limited to a specific connection form in the connection method.

Next, the CRM server 230 is connected to the credit card company server 200 to receive the transaction information and merchant information of the card user in real time from the credit card company server.

CRM stands for customer relationship management. In other words, it refers to a solution that generates revenue from selected customers and enables long-term customer relationships. It is a process of planning, supporting, and evaluating marketing activities based on customer characteristics by analyzing and integrating internal and external data related to customers. Of course, in order to implement the purpose of the CRM, the CRM server is provided with a tool for processing, storing, or extracting information, which includes an information extraction tool (data mining tool) for extracting the appropriate information from the database managed by the database server; Data mining tool (231), an information storage tool (data warehousing tool) that plays a role of storing and managing data generated by data input made by hand or data transmitted from the credit card company server 240 in a database. A warehousing tool (232), and an on-line analysis processing (233) for effectively analyzing various management analyzes and customer satisfaction based on data stored in the database will be provided. Decision-making tools are typically implemented using Borland's Delphi, Arbor Software's Essbase, and Oracle's Express server, but are not limited to these products. It can also be designed as a program.

In order to use these tools, a database must be established, which includes member information DB 241, which provides the present invention, location information DB 242 informing the type and location of merchants, and the user. Promotion DB (243) which provides the promotion information and the location of the shop that applied for the promotion, CRM DB (244) which constitutes the general consumption tendency of members extracted from member information DB (241) and consumption tendency of similar members, and the corresponding promotion. It consists of a rule DB 245 that specifies conditions for searching for.

Here, the member information DB 241 is associated with the user DB managed by the credit card company server 200, the work address, home address, job, age, interests, monthly income, etc. for each member is recorded, and particularly provides the present invention The mobile communication terminal number of the card user is to be present. In addition, the purchase history according to the purchase behavior of the card user is received in real time from the credit card company server to update and store it.

The database server 240, which is responsible for managing and maintaining each of these DBs, is connected to the CRM server to perform various roles such as providing services or inputting / outputting data in association with the above-described tools.

The information data transmission server 250, which is the last part, is usually composed of a mail server, a web server, a short message transmission server, and the like to transmit necessary information to a mobile communication terminal of a user. That is, the mail server sends information data to the user's mobile terminal by e-mail, and the web server sends the information data in the form of a web page when the user connects using the mobile terminal. It is written using WML (wireless markup language) using a protocol called (wap; wireless application protocol). These web pages allow users to browse the data. In addition, the short message transmission server transmits the information to the user as a short message. In addition, there may be an automatic response server for providing a function of providing voice information at the request of the user, and the present invention is not limited thereto, and a transmission server having a function capable of transmitting information will correspond to this.

The transmission server 250 transmits the information data necessary for the mobile communication terminal 270 of the user through the base station 260.

3 is a block diagram for collecting information about a user using a credit card in the present invention.

The CRM server 230 described in FIG. 2 is linked with the credit card company server 200 to receive the stored data and updated information about the credit card user in real time and store them in the member information DB 241. Describe how this process is developed, the card company server 200 is created in the user DB 320, the personal information, such as age, place of residence, family relationship, purchase history, etc. for the user.

That is, the same data as the user table 321 is made. For example, if the card user says "Hong Gil-dong", the residence for Hong Gil-dong is "Gwangjin-gu, Seoul ...", the age is "40 years old", and the mobile phone number is "000-xxx-yyyy". Etc. information is stored so that detailed information about a specific card user can be grasped.

In addition, the credit card company server 200 is stored with the user DB 320 with detailed personal information about the card user, and detailed information about the merchant of the credit card, which is called an affiliate store DB 330. The affiliated store DB 330 records the address of the affiliated store, the type of business of the affiliated store, the location of the affiliated store, and the like. That is, schedule data such as the affiliated store table 321 is made. For example, if the merchant is a "Jongno Motor Sales Office", the merchant's address is "Jongno-gu, Seoul ...", and the type of business of the merchant is "Car Sales". Will be recorded. This database is to become a merchant DB (330).

When the user DB 320 and the merchant DB 330 are provided in the server 200 of the credit card company, the merchant may transmit payment information to the credit card company server 200 through the value added network (VAN) company 310. do. Here, the VAN company 310 provides an information service that relays online to credit card value-added services provided by each card company to a corresponding merchant, and in particular, a credit card presented by a member who is a user such as a merchant's service or purchase of goods. The card number, expiration date, password, social security number, and business registration number of the member, such as the normal and authenticity of the request for the card company, if the request to relay the details will be responsible for the service role. That is, when a card user makes a card payment with an online transaction approval terminal or a card reader provided at an affiliated store, payment information is transmitted to the VAN company 310, where the card information is confirmed to confirm payment information. Will be Of course, this process goes through the authentication process to confirm the validity of the credit card company server 200 and the credit card. When the authentication process is made, the credit card company server 200 receives payment information from the VAN company 310 to update the purchase history of the corresponding user in the user DB 320. Of course, the updated information is transmitted to the CRM server 230 through the card company server 200.

4 is a block diagram for generating information providing data to be sent to a mobile phone.

As shown in FIG. 3, when the card user makes a card payment at the affiliated store, the CRM server 230 determines the type of business of the affiliated store and generates data for providing the related information to the card user. An example of this drawing is to show the internal processing of the CRM server for generating such information data. In this regard, once payment by credit card is approved at a merchant, the credit card company server 200 presents a command as a unit of a transaction in which a terminal user requests a service from a central system and updates a file or a database. There is also the meaning of one input message that is the basis of processing).

Accordingly, the credit card company server records the log related to the transaction in the user DB 320, the CRM server extracts the primary information 410, which includes basic user information 411, purchase information 412, location information (413) and the like. In detail, the basic user information 411 is information obtained from the user DB 320 in the credit card company server 200 or the member information DB 241 in the CRM server. This usually includes the username, the user's credit card number, occupation, and gender. The purchase information 412 refers to a purchase history of when a credit card user stops at a particular affiliate to use a service or purchase a certain product. In addition, the location information 413 determines the type of business of the affiliated store, the address of the affiliated store, the location of the affiliated store, etc. from the affiliated store DB 330 and the location information DB 242.

When the primary information 410 is extracted in this manner, more detailed secondary information 430 is generated based on the secondary information 410. The secondary information includes detailed user information 431, promotion information 432, and nearby store location information. 433 and the like. First, detailed user information 431, which is more detailed information about a user, is obtained by extracting a customer's consumption propensity and preference from the CRM DB 244 in the extracted basic user information 411 and synthesizing it. Next, the promotion information 432 is extracted from the purchase information 412 according to the type of business of the merchant for the goods purchased or the service paid by the card user, and a specific system tool exists. This is called a web-based promotion manager tool 420, which registers the promotion in the promotion DB 243 or as a rule based management system (RBMS), and the type of business of the merchant according to the product or service purchased by the card user. It is responsible for extracting promotional information related to. The rule-based management system will be described in more detail with reference to FIG. 4B.

Finally, the neighboring store location information 433 is to determine the location of the merchant used by the user in the location information 413 to provide the information related to the location and the type of business of the product or service used by the user in the promotion DB ( 243) extracts information on nearby stores located near the affiliated stores to limit the area and location. This procedure extracts information on nearby store locations that meet the above limitations, which becomes neighbor store location information 433.

Based on the detailed user information 431, the promotion information 432, and the neighboring shop location information 433 generated by the above process, the intelligent campaign generator engine generates information data 440 for the user. Will be created.

4B is a view showing how a rule-based management system is performed. In order to achieve a rule-based management system, a member information DB 241 containing personally identifiable information of a member and a location information DB 242 indicating a type and a location of affiliated stores are shown. CRM, which comprises the general consumption propensity of members and similar propensity of consumption of members extracted from the promotion DB 243 and the member information DB 241, which provide the promotion information to be provided to the user and the location of the store which applied for the promotion. The DB 244 and the rule DB 245 specifying conditions for searching for the corresponding promotion should be provided. The rule DB 245 defines methods to be processed when inputting or retrieving the corresponding data. In the above example, the marketing manager 460 extracts the corresponding data. For example, the rule definition includes the following. It can be set as

IF ｛Merchant Business = General Restaurant & ＜ (Merchant Address = Guui-dong) ^ (Merchant Address = Seongsu-dong) & (Membership Consumption = Drinking After Meal) & (Membership ≥ 20)｝ then Promotion 1

In other words, it is a simple description that shows that "If the merchant is a general restaurant, the address of the merchant is Guui-dong or Seongsu-dong, the member consumption propensity to drink after meals, and the age is 20 or more promotion 1". Based on this, when the card user uses the card (450), specific rules are activated to detect the corresponding information.

Of course, the rule DB is used not only for data search but also for data input.

FIG. 5 is an embodiment of generating information data to be provided to a user by the process of FIG. 4.

More specifically, an example of a process that is performed to provide some information to a user will be described.

Suppose Hong Hong-dong, a user, flies to buy a flying shoe for sports using an e-card at a Samsung store (500), and then the primary information is simply extracted. In other words, the user is Hong Gil-dong, affiliated stores are Samsung-dong, Seoul, and affiliated businesses are sporting goods. In order to extract detailed secondary information based on the primary information, user information 431, promotion information 432, and location information 433 are detected as follows.

1. User Information (431)

-Cell phone number: 000-xxx-yyyy

Job: Office workers

Age: 29

Gender

...,

2. Promotional Information (432)

If a man between the ages of 20 and 40 purchases sporting goods 1) Related sporting goods 2) Sports center 3) Recommended for the stadium

...,

3. Location Information (433)

-Samsung flies away: XX-x, Samsung-dong, Gangnam-gu

-List of promotions within 2km radius: Apgujeong Gimbap, Gangnam Fitness Club, Swan Buffet ........,

That is, in the user information 431, more detailed personal information about "Hong Gil-dong" is grasped, and in the promotion information 432, the card company marketing manager gives a rule to provide the corresponding promotion to the user. In other words, it provides a process of detecting a promotion that meets the conditions of these rules.

In the location information 433, the location of a particular affiliated store is identified and the promotion status of a store provided within a radius of 2 km is determined. In other words, if the "location of the merchant used by the user" is known, the shop list within 2 km is detected.

When the secondary information extraction (510) is made based on the basic information as described above, the most suitable promotion is provided to Mr. Hong Gil-dong by selecting one or two promotional items. In this example, "Gangnam-gu" suitable for "flying shoes" Gangnam fitness club in Yeongsang-dong 5% discount ticket recommendation (440) is created to provide information to the user. Of course, in the present example, a specific trade name is specified for the convenience of understanding, but it is to generate the information data to be provided by the "sports goods" of the industry type. The information data may include a list of related stores, a discount coupon, a discount rate, and a location of a store.

Such information data, of course, will be discussed in the following embodiments, but may be provided to the user's mobile phone as a short message, an e-mail, or an auto-response message. It is also possible to send an image of the store, i.e., an image including directions.

6 is a flowchart illustrating a process in which specific information is provided to a user according to the present invention.

When the user makes a payment using a credit card for a service or a purchased product used at a merchant (step S600), the card reader of the merchant transmits card transaction approval information, that is, payment information to the card company server 200 (step S601). ). This payment information includes the merchant's unique number, the user's card number, etc. The card company server transmits to the user DB to update the user's purchase history. Of course, at the same time, the card company server transmits the card user, authorization information, merchant information, purchase history to the CRM server 230 (step S602).

Accordingly, the CRM server detects the location of the affiliated store used by the card user from the affiliated store information received from the card company server (step S610), and detects shops in the neighboring coverage area from the affiliated store. However, in the process of detecting the neighboring stores here, if the length of the radius for the walking distance is specified as a specific value by the rule (step S611), the CRM server calculates the neighboring trading area of the affiliated store in a circle and stores the stores in the walking area. A list of these is detected (step S613). On the contrary, if the neighboring right of the affiliated store is designated as the default neighboring right, the CRM server calculates the neighboring right of right based on this value.

With the process of obtaining the location processing value of the walking ticket, the CRM server extracts the promotion information according to the approval information, that is, the payment information from the card company server (step S620). Of course, this process is the information extraction tool of the CRM server. Therefore, the CRM information extraction tool classifies the object of the information data to be provided to the user according to the extracted promotion information (step S621).

Thus, by comparing the location processing value and the classified promotion information (step S630), a process of confirming whether the location of the designated area and the classified promotion information match is reached (step S640). On the contrary, if the two values are not matched and matched, the information extraction tool limits the promotion information to be extracted (step S641), and then proceeds again from step S621.

When there is data of the promotion to be provided as a result of comparing the processed value with the classified promotion information (step S650), the intelligent campaign generator engine generates the information provision data (step S660). On the contrary, if the data of the corresponding promotion does not exist, the CRM server disables the provision of the information and ends the processes (step S670).

When the information data to be provided to the user is generated, an email sending event, a mobile phone banner advertisement event, a short message sending event, etc. are generated in the CRM server. In this flowchart, only an email sending event is described, but the present invention is not limited thereto. The sending server will send it to the phone. An example of the transmitted information data on the screen of the mobile phone is 700 of FIG. 7. This is described in detail in the relevant section.

When an email sending event occurs in the CRM server (step S680), the information data transmission server sends the information data to the user's mobile phone by email (step S682).

7 is a view showing an example of the execution of the information data screen is displayed on the screen of the user's mobile communication terminal according to the present invention.

When a card user uses a card as a payment method for chicken seasoned chicken in a particular merchant, information data corresponding to the payment information is provided from a CRM server.

The display screen of the mobile phone displays the contents of card approval and recommendation of nearby stores according to purchase inclinations or personal inclinations as shown in the screen example of 700. That is, for example, if a card for a chicken at K Chicken is paid for by a card, the store 701 and a recommendation store 702 around the chicken store in Hwayang-dong and providing coupons are displayed. . In this screen, if the user selects the details 703, the screen is switched to the screen 710 which shows various related information and the corresponding information is displayed when the user selects the corresponding content on the displayed screen. That is, if any one of the screens 710 is selected, the screen 720, 730, 740 is moved to the corresponding screen. Here, there are shops that offer discount coupons (720), recommended shops (730) in Gwangjin-gu, a walking distance larger than Hwayang-dong, and other additional services (740).

As mentioned above, although this invention was demonstrated with drawing and Example, this invention is not limited to a specific Example, The person of ordinary skill in the art, many corrections and a change without departing from the scope of this invention. I will understand this possible.

In addition, the protection scope of the present invention will be defined by the appended claims.

According to the present invention, the usefulness of the information is increased by accurately providing promotion information in a specific region to the mobile phone user.

In addition, as the user performs certain activities using a credit card, the user's convenience is increased by providing the mobile phone with promotion and service information related thereto.

In addition, there is an effect that the shop that provides the promotion can effectively provide its advertising to the user.

Claims (7)

Member information DB containing the personal information of the credit card user, Location information DB that tells the business type and location of the merchants, A promotion DB for providing the mobile terminal user with the promotion information and the location of the store to which the promotion is applied; CRM DB which constitutes the general consumption propensity of members extracted from the member information DB and consumption propensity of similar members; A database server including a rule DB specifying conditions for searching for a corresponding promotion to be provided to the credit card user; Promo information to be provided to the user from the respective DBs of the database server An information extraction tool for extracting, An information storage tool for storing and managing the database server; CRM server equipped with a decision tool that can effectively analyze various management analysis and customer satisfaction from each DB stored in the database, Information data transmission server for transmitting information data on a plurality of promotional information to the mobile communication terminal of the credit card user Advertising providing system, characterized in that consisting of. The method of claim 1, The CRM server A user DB containing personal information about the credit card user, including the mobile terminal number and purchase history; Advertisement providing system characterized in that it transmits the data in real time with the credit card company server, including the merchant's DB, including the merchant's address, the merchant's type of business and the merchant's location credit card detailed information about the merchant. The method of claim 1, The CRM server Basic user information to extract basic card user information, Purchase information for extracting information based on a purchase history, Means for extracting primary information consisting of location information for grasping information of affiliated stores using a card; Detailed user information that adds the user's disposition to the basic information; Promotion information for providing a promotion according to the purchase information, Means for extracting secondary information consisting of nearby store location information providing a list of nearby stores as the information of the affiliated store is identified; Means for generating information data to be provided to a mobile communication terminal to a card user based on the secondary information Ad providing system, characterized in that provided with The method of claim 1, An information data transmission server for transmitting information data to a user A mail server for sending information data by email to a user's mobile terminal; A web server that sends a web page when the user connects using a mobile terminal, Short message transmission server for transmitting the information to the user as a short message, Advertisement providing system, characterized in that it comprises an automatic response server in charge of providing a function of the voice information by the user's request. A database server including member information DB, location information DB, promotion DB, CRM DB and rule DB; CRM server equipped with information extraction tool, information storage tool and decision tool, Information data transmission server for transmitting information data on a plurality of promotional information to the mobile communication terminal of the credit card user In the advertisement providing system, characterized in that consisting of, The card reader sends the authorization information to the card server as the card user pays with the credit card at the merchant; The card server transmitting card user and merchant information and the authorization information to a CRM server; The CRM server extracts the promotion information related to the approval information by using the card user, the affiliated store information, and the approval information, generates information data on the corresponding promotion, and transmits it to the mobile terminal of the card user through a data transmission server. Steps to How to provide advertising on the mobile phone in conjunction with the use of credit cards, including. The method of claim 5, The CRM server extracts the promotion information related to the approval information by using the card user, the affiliated store information, and the approval information, generates information data on the corresponding promotion, and transmits it to the mobile terminal of the card user through a data transmission server. In the stage to The CRM server grasps the location of the merchant used by the card user from the merchant information received from the card company server, calculates a location processing value for detecting neighboring stores in the commercial area of the location, and extracts promotion information according to the approval information. Steps, Generating information data when the CRM server checks whether the location information of the designated area matches the extracted promotion information by comparing the calculated location processing value with the extracted promotion information, and if there is data of the promotion to be provided; The information data transmission server transmits the generated information data to the mobile communication terminal of the credit card user. How to provide advertising on the mobile phone in conjunction with the use of credit cards, including. The method of claim 6, The CRM server grasps the location of the merchant used by the card user from the merchant information received from the card company server, calculates a location processing value for detecting neighboring stores in the commercial area of the location, and extracts promotion information according to the approval information. In stage The CRM server calculates the distance from the merchant used by the credit card user in order to detect nearby stores, and the distance is provided on the mobile phone in conjunction with the use of the credit card, characterized in that it takes a selected value or a default value. Way.