BUSINESS MODEL TO SEARCH AND RECOMMEND CREDIT CARDS UNDER CONDITIONS GIVEN BY MATCHING STANDARDIZED DATA OF MULTIPLE CREDIT CARDS WITH PAYMENT RECORDS INPUT BY USER OR EXTRACTED FROM SHORT MESSAGE SERVICE OF MOBILE PHONE

摘要

The present invention relates to a kind of business model can: standardize multiple credit card informations, based on multiple credit card companies 1) under conditions of Additional Services, 2) affiliated company's title, payment amount, conducive to amount, be conducive to calculation contact time, be conducive to constraint condition, the condition of benefit and Additional Services exceptional condition includes that branch belongs to similar or identical business and branch (Fig. 8) by each affiliated company's group; It extracts, the telephone number pre-registered from the text message received to battery, user use credit card title 1), 2), the name of user, 3) date and time used in, 4) payment amount, 5) monetary unit, 6) name member, 7) in relation to approval/refusal etc. and it is stored in credit database; 1) and 2) search matching Additional Services credit card has the matched branch 1 of search condition between) it is directly inputted or 2) is extracted from credit card database and credit card information by user, based on the Additional Services 1) and 2) affiliated company's group; According to advantageous and applied the big quantity amount of credit card according to the credit card of payment amount outside, or notice cellular phone by the credit card of the type of text message there is the amount of very big benefit to estimate, when user adds up to be selected by user within certain period by the amount of the clearing credit card of clearing or within certain period with big benefit. ;The 2014 of copyright KIPO submissions;[Reference numerals] (AA, CC) cell phone user; (BB) user of homepage; (DD) cell phones; (E1) text message is paid; (E2) mobile phone application is installed; Card recommends (E3) to receive text message; (FF) homepage is added; (GG) output leads to homepage; Card recommends (HH) sending information message; (II) text message is handled; (JJ) extract card use information; ( KK ) Join/Edit/Withdraw; (LL) it logs in; (MM) calculation function; Additional Services selection function (N1); Beneficial amount (N2) divides group's computing function by each affiliated company; (N3) abnormal income amount calculation function; (N4) Register/Remove interim database benefit calculation; (OO) card usage database; (PP) use of Input/Edit/Remove cards; User (QQ) database; (R1) Register/Edit/Cancel user; (R2) Register/Edit/Cancel user's supplementary service; (R3) Register/Edit/Cancel uses resu (SS) card database; (T1) Register/Edit/Cancel units; (T2) Register/Edit/Cancel cards Additional Services; (T3) Register/Edit/Cancel cards benefit; (T4) Register/Edit/Cancel special benefit; Homepage administrator (UU)