KR20050059838A - System and method for recommending payment means and information storing medium and recording medium - Google Patents

Abstract

The present invention provides the client with at least one payment means held by the client, and the second payment means information corresponding to the predetermined payment means usage information and / or service information and / or customer benefit information of the payment means. A method and system for providing a service to a client, wherein the client provides services and / or benefits that are similar to the services available to him or her own means of payment (e.g. cards, etc.) or that benefit from the use of such means of payment. The payment method information of 2 is provided, so that the user can check and be provided with a more appropriate and useful payment method.

Preferably, the second payment means may be payment means issued by different payment means issuing organizations and payment means information provided by the client.

Description

System and Method for Recommending Payment Means and Information Storing Medium and Recording Medium}

The present invention relates to a method and system for recommending a second payment means to the client corresponding to the payment means held by the client, the service means of the payment means, service information similar to the customer benefit information, and customer benefit information.

The widespread deployment of credit card-based infrastructure has led to an explosive growth in the population of card users, especially with the ease of using credit cards online. In line with this, the card companies are continuously discovering and launching various card products in order to provide better service and customer benefits.

In addition, the competition for new products among the card operators is also very fierce, there is a case that similar products also exist between the card operators, card users are increasingly confused with the selection and use of card products.

In addition, card users generally have 4 to 5 cards, but they rarely use each card more efficiently, and they tend to reduce their holding cards when the economic situation worsens.

Therefore, in order to reduce the number of cards held or to obtain a new card, card users have no choice but to prefer a card that provides more appropriate service and customer benefits than the card used by the existing user.

In addition, card companies need a new strategy for attracting card users who have other cards in attracting card customers that are almost saturated due to intense customer attraction marketing.

Accordingly, an object of the present invention for resolving the above problems is to link payment means information for at least one or more payment means with payment means usage information and / or service information and / or customer benefit information corresponding to the payment means. Through the storage medium to be processed and stored, the payment means usage information and / or service information and / or customer benefit information associated with the payment means information held by the client is extracted from the storage medium, the extracted payment means used On the basis of the information and / or service information and / or customer benefit information, the extracted payment means use information and / or service information and / or customer benefit information and payment means use information corresponding to the payment means previously stored in the storage medium. And / or payment means stored in the storage medium by comparing service information and / or customer benefit information. By determining the similarity of the payment means held by the client, extracting the second payment means information for using the payment means and / or service and / or customer benefits provided corresponding to the client owned payment means, The present invention provides a method and a system for providing the extracted second payment means information to the client.

Also, a payment means information data file storing payment means information for at least one payment means and payment means additional information storing payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information. It is to provide an information storage medium, characterized in that for storing the data file to be provided correspondingly.

In order to achieve the above object, the payment method recommendation method according to the present invention is the server information on the payment means for at least one or more payment means, payment means usage information and / or service information and / or customer benefit information corresponding to the payment means Storing the data in a predetermined storage medium in association with the client; connecting the server to provide the payment means information used by the client to the server; and the payment means information provided by the client at the server. Extracting payment means use information and / or service information and / or customer benefit information processed in association with the storage medium; and the payment means use information and / or service information and / or customer benefit information extracted from the server. On the basis of the extracted payment means use information and / or service information and / or customer The payment information stored in the storage medium and the payment means held by the client are compared by comparing the benefit information with the payment means usage information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium. Determining a similarity between the second payment means and using the payment means and / or services and / or customer benefits provided corresponding to the payment means held by the client according to the similarity determination result at the server. Extracting or generating information and providing the client with the second payment means information extracted or generated by the server.

Preferably, the payment means includes at least one or more credit card payment means, debit card payment means, prepaid card payment means, check card payment means, the payment means, IC chip form that is mounted on or detached from the wireless terminal Characterized in that comprises a.

The payment means information provided to the server by the client and the second payment means information extracted or generated by the server may be issued by different payment means issuers.

Preferably, the second payment means information is characterized by consisting of payment means information issued by a specific card company and / or financial company.

According to another aspect of the present invention, an information storage medium for implementing the present invention includes a payment means information data file for storing payment means information for at least one or more payment means, payment means use information corresponding to the payment means information and And / or a payment means additional information data file for storing service information and / or customer benefit information, wherein the payment means information data file and the payment means additional information data file are stored to correspond to each other.

The storage medium may be located at a card company server, a VAN company server, a financial company server, and / or a mobile communication company server.

In addition, according to another aspect of the present invention, a recording medium for implementing the present invention has a function for receiving payment means information provided from a client terminal, payment means usage information and / or corresponding to the received payment means information A function of extracting service information and / or customer benefit information from a predetermined information storage medium, and using a payment means and / or service provided corresponding to the extracted payment means use information and / or service information and / or customer benefit information And / or a program for realizing a function of extracting or generating second payment means information providing customer benefits and of providing the extracted or generated second payment means information to the client terminal. It is done.

Preferably, the second payment means information for providing the payment means use and / or service and / or customer benefits provided corresponding to the extracted payment means use information and / or service information and / or customer benefit information is extracted or The generating function may be based on the extracted payment means usage information and / or service information and / or customer benefit information, based on the extracted payment means usage information and / or service information and / or customer benefit information and the storage medium. By comparing the payment means usage information and / or service information and / or customer benefit information corresponding to the previously stored payment means to determine the similarity between the payment means stored in the storage medium and the payment means held by the client, Use of payment means and / or services provided corresponding to the payment means held by the client according to the similarity determination result And / or extracting or generating second payment means information providing customer benefits.

The recording medium may also record a program for further realizing a simulation function of using the payment means based on the received payment means information or generating predetermined incentive information provided when using a predetermined amount of money. It is done.

Preferably, the recording medium further implements a simulation function of using the second payment means based on the information of the second payment means for a predetermined period of time or generating predetermined incentive information provided when using a certain amount of money. It is characterized by recording the program.

The recording medium may further include a simulation function for generating incentive information provided when the payment means and the second payment means are used for a predetermined period or when using a predetermined amount of money, and incentive information according to the use of the payment means output as a result of the simulation. And a program for further realizing a function of mutually comparing incentive information according to the use of the second payment means.

The recording medium records a program for further realizing a function of providing payment means usage information and / or service information and / or customer benefit information corresponding to the extracted or generated second payment means information to the client terminal. It is done.

The recording medium may be located in a card company server and / or a financial company server and / or a VAN company server and / or a mobile communication company server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram showing a preferred embodiment of the present invention.

Referring to FIG. 1, a payment method recommendation system includes a storage medium storing payment method information for at least one payment method, payment method usage information and / or service information, and / or customer benefit information corresponding to the payment method information ( 105 and the client terminal 110 which is connected to a predetermined server 100 and provides the currently held payment means information to the server 100 and the payment means information provided from the client terminal 110. The processed payment means use information and / or service information and / or customer benefit information are extracted from the storage medium 105 and provided to correspond to the extracted payment means use information and / or service information and / or customer benefit information. Extracting or generating information on the second payment means providing the use of payment means and / or services and / or customer benefits, and the extracted or generated image And a server 100 providing second payment means information to the client terminal 110.

The server 100 and / or storage medium 105 shown in the figure is characterized in that it comprises a card company server and / or financial company server and / or VAN company server and / or mobile communication company server.

The client terminal 110 shown in this figure is characterized in that it comprises a wired terminal and / or a wireless terminal.

Preferably, the server 100 is based on the payment means usage information and / or service information and / or customer benefit information extracted from the storage medium 105, the extracted payment means usage information and / or service information and / Or by comparing payment information stored in the storage medium 105 with customer benefit information and payment means usage information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium 105. A second determining the similarity of the payment means possessed by the client, and providing the use of payment means and / or services and / or customer benefits provided corresponding to the payment means held by the client according to the similarity determination result; Extract or generate payment method information of.

In addition, the server 100 executes a predetermined simulation to use the payment means for a certain period of time or to generate incentive information provided when using a certain amount of money, and also uses the second payment means for a certain period of time or schedules. A predetermined simulation is executed to generate incentive information provided when using the money amount.

According to the present invention, the server 100 executes a predetermined simulation to use the client-owned payment means and the second payment means for a predetermined period or to generate incentive information provided when using a predetermined amount of money, and the simulation execution result The incentive information according to the use of the payment means and the incentive information according to the use of the second payment means are compared with each other.

In addition, the server 100 may further provide payment method usage information and / or service information and / or customer benefit information corresponding to the extracted or generated second payment means information to the client terminal 110.

According to a preferred embodiment of the payment method recommendation process shown in FIG. 1, payment method information for at least one or more payment means in the server 100, payment method usage information and / or service information corresponding to the payment method, and / or Alternatively, the customer benefit information is cooperatively stored in the predetermined storage medium 105 (1).

When the client connects to the server 100 and provides the payment method information used by the client to the server 100 (2), the server 100 performs a cooperative process with the payment method information provided by the client. Extracted payment means use information and / or service information and / or customer benefit information from the storage medium 105 (3), and based on the extracted payment means use information and / or service information and / or customer benefit information The payment means use information and / or service information and / or customer benefit information and payment means use information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium 105. By comparing (4-1), the degree of similarity between the payment means stored in the storage medium 105 and the payment means held by the client is determined (4-2).

For example, when the client provides the payment method information of the client to the server 100, when the payment method is a card, the client may provide a card product name and / or card issuer information of the card.

For example, when the client holds the "S card goods (for example, in the case of golf-related services)" of the "S" card company, in accordance with the present invention, the client sends the "S card goods" information to the server 100 If provided, the server 100 is linked with the storage medium 105, the service information (golf related services) and / or benefit information (eg, "S Club Booking 10" of the "S card goods" provided by the client % Discount ”, etc.), and based on the“ golf-related service ”information and / or benefit information such as“ 10% discount on S-club booking ”, at least one card stored in the storage medium 105. Information such as "golf related services" and / or "booking discounts" may be extracted and compared.

According to a result of the similarity determination, the server 100 extracts or generates second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client. (5) and provide the extracted second payment means information to the client (6).

For example, the server 100 extracts the "L card goods" of the "L" card company corresponding to the client's holding card ("S card goods") through the above-described comparison process, the extracted "L card" Product ”to the client.

Preferably, the second payment means information and the payment means information provided by the client may be issued by different payment means issuing institutions.

For example, when the client provides the S company's card to the server 100, the card information of the L company which gives similar use or service or customer benefit similar to the S company card is based on the S company card information held by the client. Can be provided to clients. At this time, the server 100 may be an L company server (100).

For example, in the step (4), determining the similarity between the payment means stored in the storage medium 105 and the payment means held by the client, the payment means stored in the storage medium 105 and the The use gender information data of the payment means held by the client, the payment means stored in the storage medium 105, the main use merchant information data of the payment means held by the client, and the data stored in the storage medium 105. Discount benefit information data of payment means and payment means held by the client, payment means stored in the storage medium 105 and incentive provision information data of payment means held by the client, and the storage medium ( At least one payment means stored in the 105 and the event providing information data of the payment means held by the client. Comparison can determine the degree of similarity.

Preferably, the step (5) is a server for providing a payment means used and / or services and / or customer benefits provided corresponding to the payment means held by the client in accordance with the similarity determination result in the server (100) 2 means of payment information may be extracted from the storage medium 105.

Preferably, the process (6) may provide the client with the second payment means information and corresponding payment means usage information and / or service information and / or customer benefit information in the server 100.

2 is a view showing another preferred embodiment of the present invention.

Figure 2 is in accordance with the present invention in recommending at least one or more payment means corresponding to the client's own payment means, by selecting a predetermined input data, through a process such as a predetermined simulation based on the selected input data, The second payment means corresponding to the payment means provided by the client is extracted and provided to the client.

Preferably, the input data may be usage information and / or service information and / or customer benefit information of the payment means held by the client.

Preferably, the simulation is based on the use information and / or service information and / or customer benefit information of the payment means held by the client as the input data, when using the payment means for a certain period and / or a predetermined amount, It may output predetermined incentive information provided to the client.

The server 100 may extract information from the second payment means based on the incentive information output from the output data and provide the information to the client.

According to another preferred embodiment, the simulation may be performed using the second payment means extracted by the server using input information and / or service information and / or customer benefit information of the second payment means as input data. When the payment method of 2 is used for a predetermined period and / or a predetermined amount, the incentive information provided to the client can be obtained.

Referring to FIG. 2, another preferred embodiment for recommending a payment method includes payment means information for at least one or more payment means, payment means usage information and / or service information, and / or corresponding to the payment means in the server 100. (1) storing and storing the customer benefit information in a predetermined storage medium 105, and providing the payment method information used by the client to the server 100 by the client accessing the server 100. And (2) extracting, from the storage medium 105, payment means usage information and / or service information and / or customer benefit information associated with the payment means information provided by the client in the server 100. And (3) using the extracted payment means usage information and / or service information and / or customer benefit information as input data in the server 100, the client. Performing a predetermined simulation to use the payment means for a predetermined period or to generate incentive information provided to the client when using a predetermined amount of money; and (4) generated by the server 100 as the simulation result output data. Extracting or generating second payment means information that provides an incentive provided corresponding to a predetermined incentive generated as the simulation result output data when the client uses the predetermined incentive information based on predetermined incentive information; Step 5 and providing the client with the second payment means information extracted or generated in the server 100 (6).

More specifically, the step (5) is based on the payment means usage information and / or service information and / or customer benefit information processed in conjunction with the payment means information of the client in the server 100, the payment means of the client The storage medium by comparing usage information and / or service information and / or customer benefit information with payment means usage information and / or service information and / or customer benefit information corresponding to a payment method previously stored in the storage medium 105. Determining similarity between the payment means stored in 105 and the payment means held by the client (5-1), and the payment means held by the client according to the similarity determination result in the server 100; Extracting or generating second payment means information providing the use of payment means and / or services and / or customer benefits provided corresponding to (5-2); The server 100 uses the payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information as input data, so that the client uses the second payment means for a predetermined period of time. Executing a predetermined simulation to generate incentive information provided to the client when using or using a predetermined amount of money (5-3); and a simulation result executed by the server 100 for the second payment means Comparing predetermined incentive information generated as output data with predetermined incentive information generated as output data of a simulation result executed by the payment means provided by the client (5-4) and the server 100 According to the comparison result, the simulation result output data generated for the payment method provided by the client is generated. It may be made, including the step of extracting or generating a payment method in the second information that is provided to correspond to a predetermined incentive (5-5_.

Preferably, the step (6) further comprises providing to the client payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information in the server 100. It can be done by.

According to the present invention, the payment means includes at least one or more credit card payment means, debit card payment means, prepaid card payment means, check card payment means, and includes an IC chip form mounted on or detached from the wireless terminal.

In addition, according to the present invention, the second payment means information is characterized by consisting of payment means information issued by a specific card company and / or financial company.

In addition, the second payment means information and the payment means information provided by the client may be issued by different payment means issuing institutions.

3 is a view showing another preferred embodiment of the present invention.

Referring to FIG. 3, another preferred embodiment of the payment method recommendation process includes the following steps.

Preferably, the payment method recommendation process illustrated in this drawing may include payment means information for at least one or more payment means, payment means usage information and / or service information, and / or customer benefit information corresponding to the payment means in the server 100. (1) providing a payment means information used by the client to the server 100 by connecting the server 100 to a predetermined storage medium 105 (2) extracting, from the storage medium 105, payment means usage information and / or service information and / or customer benefit information, which are linked to the payment means information provided by the client, in the server 100; (3) on the basis of the payment means usage information and / or service information and / or customer benefit information extracted by the server 100, the extracted payment means usage information and / or service Information and / or customer benefit information and payment method usage information and / or service information and / or customer benefit information corresponding to the payment method previously stored in the storage medium 105 are compared (4-1), and the storage medium ( Determining the similarity between the payment means stored in step 105 and the payment means held by the client (4-2), and the payment means held by the client according to the result of the similarity determination by the server 100; Extracting or generating second payment means information for using a payment means and / or providing a service and / or customer benefit correspondingly (5), and the payment means provided by the client in the server 100; By using the payment means use information and / or service information and / or customer benefit information corresponding to the information as input data, the client uses the payment means for a certain period of time or (6) executing a predetermined simulation to generate incentive information provided to the client when using a certain amount of money; and using a payment means corresponding to the second payment means information extracted or generated by the server 100. By using information and / or service information and / or customer benefit information as input data, the client may use the second payment means for a predetermined period of time or generate incentive information provided to the client when using a certain amount of money. (7-1), a predetermined incentive information and second payment means information generated as simulation result output data corresponding to the payment means information provided by the client in the server 100; Compares predetermined incentive information generated by the simulation result output data corresponding to In step 7-2, incentives corresponding to predetermined incentives generated as simulation result output data executed on the payment means provided by the client according to the comparison result in the server 100 are provided. Determining (8) the second payment means information provided to the client and providing the client with the determined second payment means information at the server (9).

Preferably, the step (9) further comprises providing the client with payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information in the server (100). do.

 The payment means may include at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means, the payment means may include an IC chip form that is mounted on or detached from the wireless terminal. Can be.

4 is a simple data structure diagram of the information storage medium 105 according to the preferred embodiment of the present invention.

Referring to Figure 4, the information storage medium 105 according to the present invention, the payment means information for at least one or more payment means, payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information It is characterized in that the storage.

According to the present invention, the storage medium 105 may be located in a card company server, a VAN company server, a financial company server, and / or a mobile communication company server.

Preferably, the at least one payment means stored in the storage medium 105 includes at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means, the payment means information is recorded The payment means information data file may be stored in association with the corresponding payment means additional information data file.

Preferably, the payment means additional information data file is the payment means stored in the storage medium 105, the gender information data of the payment means, the main merchant (or service) information data of the payment means, and the payment means Discount benefit information data, the incentive providing information data of the corresponding payment means, the event providing information data of the corresponding payment means, and the like.

According to the present invention, the client has an advantage in that it is possible to determine the efficiency and adequacy of the card held by the client by checking other card information providing similar services and / or benefits with respect to the card held by the client.

In addition, there is an advantage that can be issued to the card more useful to me by confirming the other card information that provides a better similar service and / or benefits than the card owned by me.

In addition, the card company has the advantage of attracting card customers by presenting card information that provides more useful services and / or benefits based on the card (including third-party cards) held by the customer.

1 is a block diagram showing a preferred embodiment of the present invention.

2 is a view showing another preferred embodiment of the present invention.

3 is a diagram showing another preferred embodiment of the present invention.

4 is a simple data structure diagram of an information storage medium according to a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: storage medium

110: client terminal

Claims (46)

Cooperatively processing payment means information on at least one payment means, payment means usage information and / or service information, and / or customer benefit information corresponding to the payment means in a server and storing the information on a predetermined storage medium; Providing a payment means information used by the client to the server by the client accessing the server; Extracting, from the storage medium, payment means use information and / or service information and / or customer benefit information associated with the payment means information provided by the client from the server; On the basis of the payment means usage information and / or service information and / or customer benefit information extracted from the server, the extracted payment means usage information and / or service information and / or customer benefits information and pre-stored in the storage medium Comparing payment method usage information and / or service information and / or customer benefit information corresponding to the payment method, and determining similarity between payment means stored in the storage medium and payment means held by the client; Extracting or generating second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client according to the similarity determination result in the server; And And providing the client with the second payment means information extracted or generated by the server. The method of claim 1, wherein the payment means, Method for recommending a payment means comprising at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means. The method of claim 1, wherein the payment means, Payment method recommendation method comprising the form of the IC chip mounted on or detached from the wireless terminal. The method of claim 1, And the second payment means information and the payment means information provided by the client are issued by different payment means issuers. The method of claim 1, wherein the second payment means information, Payment method recommendation method characterized in that consisting of payment means information issued by a specific card company and / or financial company. The method according to claim 1, wherein the extracted payment means use information and / or service information and / or customer benefit information is based on the extracted payment means use information and / or service information and / or customer benefit information. By comparing the payment means usage information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium, the degree of similarity between the payment means stored in the storage medium and the payment means held by the client In the judging step, Determining the similarity between the payment means stored in the storage medium and the payment means held by the client, The use sex information data of the payment means stored in the storage medium and the payment means held by the client; Main merchant information of the payment means stored in the storage medium and the payment means held by the client; Discount benefit information data of payment means stored in the storage medium and the payment means held by the client; Incentive providing information data of payment means stored in the storage medium and payment means held by the client; And determining similarity by comparing at least one payment means stored in the storage medium with at least one event providing information data of the payment means held by the client. The method of claim 1, wherein the server uses second payment means information to provide a payment means use and / or service and / or customer benefits provided corresponding to the payment means held by the client according to the similarity determination result. Extracting or generating steps Extracting, from the storage medium, second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client according to the similarity determination result. Payment method recommendation method characterized in that. The method of claim 1, wherein providing the client with the second payment means information extracted or generated by the server comprises: And providing, by the server, payment means use information and / or service information and / or customer benefit information corresponding to the second payment means information to the client. The method of claim 1, wherein the server, Payment method recommendation method comprising a card company server and / or financial company server and / or VAN company server and / or mobile communication company server. Cooperatively processing payment means information on at least one payment means, payment means usage information and / or service information, and / or customer benefit information corresponding to the payment means in a server and storing the information on a predetermined storage medium; Providing a payment means information used by the client to the server by the client accessing the server; Extracting, from the storage medium, payment means use information and / or service information and / or customer benefit information associated with the payment means information provided by the client from the server; Incentives provided to the client when the client uses the payment means for a predetermined period of time or uses a predetermined amount of money by using the extracted payment means use information and / or service information and / or customer benefit information as input data in the server. Executing a predetermined simulation to generate information; Based on predetermined incentive information generated as the simulation result output data in the server, the client provides an incentive provided corresponding to the predetermined incentive generated as the simulation result output data when using a predetermined period or a predetermined amount payment means. Extracting or generating second payment means information; And And providing the client with the second payment means information extracted or generated by the server. The method according to claim 10, wherein the client corresponds to a predetermined incentive generated as the simulation result output data when the client uses a predetermined period or a predetermined amount of payment means based on the predetermined incentive information generated as the simulation result output data at the server. Extracting or generating the second payment means information providing the incentive is prepared, Payment method usage information and / or service information and / or customer benefit information of the client based on payment method usage information and / or service information and / or customer benefit information processed in association with payment method information of the client in the server; And similarity between the payment means stored in the storage medium and the payment means held by the client by comparing payment means usage information and / or service information and / or customer benefit information corresponding to the payment means previously stored in the storage medium. Determining; Extracting or generating second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client according to the similarity determination result in the server; The client uses the second payment means for a predetermined period of time by using the payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information in the server as input data. Or executing a predetermined simulation to generate incentive information provided to the client when using a certain amount of money; Predetermined incentive information generated as simulation result output data executed by the server for the second payment means and predetermined incentive information generated as simulation result output data executed for the payment means provided by the client; Comparing; And Extracting or generating, by the server, second payment means information provided corresponding to a predetermined incentive generated as output data of a simulation result executed on the payment means provided by the client; Payment method recommendation method comprising the. The method of claim 10, wherein providing the client with the second payment means information extracted or generated by the server comprises: And providing, by the server, payment means use information and / or service information and / or customer benefit information corresponding to the second payment means information to the client. The method of claim 10, wherein the payment means, Method for recommending a payment means comprising at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means. The method of claim 10, wherein the payment means, Payment method recommendation method comprising the form of the IC chip mounted on or detached from the wireless terminal. The method of claim 10, And the second payment means information and the payment means information provided by the client are issued by different payment means issuers. The method of claim 10, wherein the second payment means information, Payment method recommendation method characterized in that consisting of payment means information issued by a specific card company and / or financial company. The method of claim 10, wherein the server, Payment method recommendation method comprising a card company server and / or financial company server and / or VAN company server and / or mobile communication company server. Cooperatively processing payment means information on at least one payment means, payment means usage information and / or service information, and / or customer benefit information corresponding to the payment means in a server and storing the information on a predetermined storage medium; Providing a payment means information used by the client to the server by the client accessing the server; Extracting, from the storage medium, payment means use information and / or service information and / or customer benefit information associated with the payment means information provided by the client from the server; On the basis of the payment means usage information and / or service information and / or customer benefit information extracted from the server, the extracted payment means usage information and / or service information and / or customer benefits information and pre-stored in the storage medium Comparing payment method usage information and / or service information and / or customer benefit information corresponding to the payment method, and determining similarity between payment means stored in the storage medium and payment means held by the client; Extracting or generating second payment means information for using a payment means and / or a service and / or a customer benefit provided corresponding to the payment means held by the client according to the similarity determination result in the server; The client uses the payment means for a predetermined period of time by using payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information provided by the client as input data in the server. Executing a predetermined simulation to generate incentive information provided to the client when using a certain amount of money; The client schedules the second payment means by using payment means usage information and / or service information and / or customer benefit information corresponding to the second payment means information extracted or generated by the server as input data. Executing a predetermined simulation to generate incentive information provided to the client when using for a period or using a predetermined amount of money; The server may compare predetermined incentive information generated as simulation result output data corresponding to the payment means information provided by the client with predetermined incentive information generated as simulation result output data corresponding to the second payment means information. Doing; Second payment means information for providing the client with an incentive provided corresponding to a predetermined incentive generated as output data of a simulation result executed by the client for the payment means provided by the client according to the comparison result; Determining; And And providing the determined second payment means information to the client by the server. The method of claim 18, wherein the providing of the determined second payment means information to the client by the server comprises: And providing, by the server, payment means use information and / or service information and / or customer benefit information corresponding to the second payment means information to the client. The method of claim 18, wherein the payment means, Method for recommending a payment means comprising at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means. The method of claim 18, wherein the payment means, Payment method recommendation method comprising the form of the IC chip mounted on or detached from the wireless terminal. The method of claim 18, And the second payment means information and the payment means information provided by the client are issued by different payment means issuers. The method of claim 18, wherein the second payment means information, Payment method recommendation method characterized in that consisting of payment means information issued by a specific card company and / or financial company. The method of claim 18, wherein the server, Payment method recommendation method comprising a card company server and / or financial company server and / or VAN company server and / or mobile communication company server. A payment means information data file storing payment means information for at least one payment means; And And a payment means additional information data file for storing payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information. The method of claim 25, wherein the additional information, At least one or more gender information data of the payment method, the main merchant (or service) information of the payment method, discount benefit information of the payment method, incentive providing information of the payment method, and event providing information of the payment method. Information storage medium, characterized in that. The method of claim 25, wherein the storage medium, An information storage medium, comprising: a card company server, a VAN company server, a financial company server, and / or a mobile communication company server. A storage medium storing payment means information on at least one payment means and payment means usage information and / or service information and / or customer benefit information corresponding to the payment means information; A client terminal accessing a predetermined server and providing information on the payment means currently held to the server; And Extracting payment means use information and / or service information and / or customer benefit information associated with the payment means information provided from the client terminal from the storage medium, and extracting the extracted payment means use information and / or service information and And / or extract or generate information on the second payment means using the payment means and / or the services and / or the customer benefits provided corresponding to the customer benefit information, and extracting the extracted second payment means information. Payment server recommendation system comprising a; providing to the client terminal. The method of claim 28, wherein the server, On the basis of the payment means usage information and / or service information and / or customer benefit information extracted from the storage medium, the extracted payment means usage information and / or service information and / or customer benefit information and pre-stored in the storage medium Comparing payment method usage information and / or service information and / or customer benefit information corresponding to a payment method to determine similarity between payment means stored in the storage medium and the payment means held by the client, and determining the similarity. According to the result payment means recommendation system characterized in that to extract or generate the second payment means information for using the payment means and / or services and / or customer benefits provided corresponding to the payment means possessed by the client . The method of claim 28, wherein the server, And a predetermined simulation is performed to use the payment means for a predetermined time period or to generate incentive information provided when the payment means is used. The method of claim 28, wherein the server, And performing a predetermined simulation to use the second payment means for a predetermined time period or to generate incentive information provided when using a predetermined amount of money. The method of claim 28, wherein the server, In order to use the payment means and the second payment means for a predetermined period or to generate incentive information provided when using a predetermined amount of money, incentive information according to the use of the payment means outputted as a result of the simulation and Payment method recommendation system, characterized in that for comparing the incentive information according to the use of the second payment method. The method of claim 28, wherein the server, And providing payment means usage information and / or service information and / or customer benefit information corresponding to the extracted or generated second payment means information to the client terminal. The method of claim 28, wherein the server, Payment company recommendation system comprising a card company server and / or financial company server and / or VAN company server and / or mobile carrier server. The method of claim 28, wherein the payment means, Payment method recommendation system comprising at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means. The method of claim 28, wherein the payment means, Payment means recommendation system comprising a form of an IC chip mounted on or detached from the wireless terminal. The method of claim 28, wherein the storage medium, The payment instrument recommendation system, characterized in that located on the card company server, VAN company server, or financial company server, and / or mobile carrier server. The method of claim 28, wherein the client terminal, Payment means recommendation system comprising a wired terminal and / or a wireless terminal. Receiving payment means information provided from a client terminal; Extracting payment means usage information and / or service information and / or customer benefit information corresponding to the received payment means information from a predetermined information storage medium; A function of extracting or generating second payment means information providing payment means use and / or service and / or customer benefits provided corresponding to the extracted payment means use information and / or service information and / or customer benefit information. ; And And a program for realizing the function of providing the extracted or generated second payment means information to the client terminal. 40. The method of claim 39, wherein the second payment means information providing the use of payment means and / or services and / or customer benefits provided corresponding to the extracted payment means usage information and / or service information and / or customer benefit information Function to extract or generate Based on the extracted payment means usage information and / or service information and / or customer benefit information, the extracted payment means usage information and / or service information and / or customer benefit information and the payment means previously stored in the storage medium. By comparing the corresponding payment means usage information and / or service information and / or customer benefit information, it determines the similarity between the payment means stored in the storage medium and the payment means held by the client, according to the similarity determination result And extracting or generating second payment means information for providing the use of payment means and / or services and / or customer benefits provided corresponding to the payment means held by the client. The method of claim 39, wherein the recording medium, And a program recorded on the basis of the received payment means information for further realizing a simulation function of using the payment means for a predetermined time period or generating predetermined incentive information provided when using a predetermined amount of money. The method of claim 39, wherein the recording medium, A program for recording a program for further realizing a simulation function of using the second payment means for a predetermined period or generating predetermined incentive information provided when using a predetermined amount of money, based on the second payment means information; Recording media. The method of claim 39, wherein the recording medium, A simulation function of using the payment means and the second payment means for a predetermined period or generating incentive information provided when using a predetermined amount of money; And And a program for further realizing a function of mutually comparing incentive information according to the use of the payment means and incentive information according to the use of the second payment means outputted as a result of the simulation. The method of claim 39, wherein the recording medium, Recording a program for further realizing a function of providing payment means usage information and / or service information and / or customer benefit information corresponding to the extracted or generated second payment means information to the client terminal; media. The method of claim 39, wherein the recording medium, And a credit card server and / or a financial company server and / or a VAN company server and / or a mobile communication company server. The method of claim 39, wherein the payment means, A recording medium comprising at least one credit card payment means, debit card payment means, prepaid card payment means, check card payment means.