Method and device for acquiring usage information of user terminal

Abstract

An operating method of a user terminal according to an embodiment of the present invention includes a step of registering a first address as DNS server information in a virtual private network (VPN) module; a step of running an application that works with a target service server; a step of obtaining Domain Name Server (DNS) query request result information corresponding to the target service server using the DNS server information; a step of generating connection domain information from the Domain Name Server (DNS) query request result information; and a step of outputting benefit notification information for each user payment means corresponding to the application based on the connection domain information.

Description

[Technical Field]

[0001] The present invention relates to a service providing method and an apparatus thereof. More specifically, the present invention relates to Method and device for acquiring user terminal usage information Regarding. [Background technology]

[0002] As people increasingly use cards rather than cash for purchases due to the inconvenience of carrying cash and the benefits of card income deductions, competition among card companies is intensifying. Therefore, card companies are releasing various card products that offer various benefits to attract customers to sign up for cards, and users often end up being issued and holding multiple cards that offer different benefits.

[0003] Recently, mobile credit cards, which combine credit cards with mobile devices, have been used for payment, and these existing mobile credit cards are issued by applying for a separate mobile card through the customer center or homepage of a credit card company. In particular, a model has been proposed in which card information is stored on a mobile device and payment processing is performed through short-range communication with a payment terminal or the generation of a magnetic field signal, and this model is supported and provided in various places of business.

[0004] However, with the emergence of such a wide variety of payment methods, users are faced with a lot of confusion and a crossroads of decision-making at the moment of payment. There are many things to know, such as various convenient payment methods, local currencies, membership discounts, credit card benefits, previous month's results, various point conditions, etc., and there are many things to prepare, and there are also an excessive number of things to calculate in advance.

[0005] To alleviate this inconvenience, prior art Korean Patent No. 10-1783708 discloses a technology for providing a recommended card list that collects user order information and displays a list of recommended cards that match the information, and Korean Patent No. 10-1441288 discloses a technology for analyzing recommended payment methods in a service server and providing them to a mobile communication terminal.

[0006] However, with the above-mentioned existing technologies, the card recommendation can only be received once the order details have been finalized or at the time of actual payment at the store, which can lead to further confusion and tension at the time of decision-making due to the short time for selection and consideration.

[0007] As a result, current payment methods are still lacking in many areas, such as allowing users to check in advance the various benefits that apply to them based on their own circumstances, interests, and surrounding environment before deciding to make a payment or order, and allowing them to receive recommendations and select the appropriate product and the optimal payment method with ease. Summary of the Invention [Problem to be solved by the invention]

[0008] The present invention has been devised to solve the above-mentioned problems, and analyzes the user's current environment information using network information among the processing data of the user terminal, selects target services and product contents that fit the analyzed current environment information, and provides advance notification of payment method-specific benefit information, such as the optimal payment method for specific product contents that the user is currently expected to need. A method and device for operating a user terminal capable of acquiring connection domain information for providing special benefit information for each payment method The purpose is to provide. [Means for solving the problem]

[0009] A method according to an embodiment of the present invention for solving the above problems includes, in a method for operating a user terminal, a step of registering a first address as DNS server information in a virtual private network (VPN) module; a step of running an application that works in conjunction with a target service server; a step of obtaining Domain Name Server (DNS) query request result information corresponding to the target service server using the DNS server information; a step of generating connection domain information from the Domain Name Server (DNS) query request result information; and a step of outputting benefit notification information for each user payment means corresponding to the application based on the connection domain information.

[0010] To solve the above problems, an apparatus according to an embodiment of the present invention includes a virtual private network (VPN) module in a user terminal device that registers a first address as DNS server information; and a control unit that drives an application that interfaces with a target service server, wherein the virtual private network module obtains domain name server (DNS) query request result information corresponding to the target service server using the DNS server information and generates connection domain information from the domain name server (DNS) query request result information, and the control unit outputs benefit notification information for each user payment means corresponding to the application based on the connection domain information.

[0011] Meanwhile, an apparatus according to an embodiment of the present invention for solving the above problems includes a device for providing privilege information, which includes: a communication unit that registers a first address as DNS server information in a virtual private network (VPN) module in a user terminal; runs an application that interfaces with a target service server; obtains Domain Name Server (DNS) query request result information corresponding to the target service server using the DNS server information; generates access domain information from the Domain Name Server (DNS) query request result information; identifies target service information corresponding to the specific domain based on the access domain information; and receives a request for privilege information per user payment means of the user terminal, which is requested in accordance with the target service information; and a privilege information calculation unit that calculates privilege information per user payment means corresponding to the target service information using a pre-established payment method information database and a privilege information database, and the communication unit transmits the calculated privilege information per user payment means to the user terminal.

[0012] Furthermore, the method according to the embodiment of the present invention for solving the above problems may be embodied as a program for executing the method on a computer and a recording medium on which the program is recorded. [Effects of the Invention]

[0013] According to an embodiment of the present invention, it is possible to provide real-time benefit notification information for each user's payment method corresponding to the running application and web application service based on the Domain Name Server (DNS) query request result information corresponding to the target service server obtained using DNS server information.

[0014] Accordingly, according to an embodiment of the present invention, the current environment information according to the operation of the user's application is accurately analyzed, a target service and its product contents that match the analyzed current environment information are selected, and payment method-specific benefit information, such as the optimal payment method for specific product contents that are predicted to be currently needed by the user, is provided in advance, allowing the user to easily select appropriate product contents and payment methods for the corresponding service. Method and device for acquiring user terminal usage information can be provided. [Brief explanation of the drawings]

[0015] [Figure 1] 1 is a conceptual diagram illustrating an overall system according to an embodiment of the present invention;

[0016] [Figure 2] 2 is a block diagram illustrating a user terminal device according to an embodiment of the present invention in more detail;

[0017] [Figure 3] 2 is a block diagram illustrating a special benefit information providing server according to an embodiment of the present invention;

[0018] [Figure 4] 1 is a ladder diagram illustrating the operation of the entire system according to an embodiment of the present invention.

[0019] [Figure 5] FIG. 10 is a block diagram illustrating an overall system according to another embodiment of the present invention.

[0020] [Figure 6] 1 is an example diagram illustrating an example of a service interface according to an embodiment of the present invention; [Figure 7] 1 is an example diagram illustrating an example of a service interface according to an embodiment of the present invention; [Figure 8] 1 illustrates a payment system including a user terminal device 100 according to an embodiment of the present invention for enabling the use of a shared payment means. [Figure 9] 1 is an exemplary diagram illustrating an example of a service interface according to an embodiment of the present invention; [Figure 10] 1 is an exemplary diagram illustrating an example of a service interface according to an embodiment of the present invention; DETAILED DESCRIPTION OF THE INVENTION

[0021] The following merely illustrates the principles of the present invention. Accordingly, those skilled in the art will be able to devise various devices that embody the principles of the present invention and are within the concept and scope of the present invention, even if not explicitly described or shown herein. Furthermore, all conditional terms and examples listed in this specification are, in principle, expressly intended only for the purpose of helping the concept of the present invention to be understood, and should not be understood as being limiting to the examples and conditions specifically listed in this specification.

[0022] Moreover, all detailed descriptions reciting specific embodiments, as well as principles, aspects, and embodiments of the present invention, should be understood to be intended to encompass both structural and functional equivalents of such items, and such equivalents should be understood to include not only currently known equivalents but also equivalents developed in the future, i.e., all elements invented to perform the same function, regardless of structure.

[0023] Thus, for example, block diagrams herein should be understood to represent conceptual views of illustrative circuitry embodying the principles of the invention. Similarly, all flowcharts, state transition diagrams, pseudocode, and the like may be substantially represented on a computer-readable medium and should be understood to represent various processes performed by a computer or processor, whether or not a computer or processor is explicitly illustrated.

[0024] The functions of the various elements illustrated in the figures, including functional blocks represented as processors or similar concepts, may be provided through the use of dedicated hardware as well as hardware capable of executing software in association with appropriate software. When provided by a processor, the functions may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

[0025] Additionally, the explicit use of terms such as processor, control, or similar concepts should not be construed as exclusively referring to hardware capable of executing software, but should be understood to implicitly include, without limitation, digital signal processor (DSP) hardware, read only memory (ROM), random access memory (RAM), and non-volatile memory for storing software. Other commonly known and commonly used hardware may also be included.

[0026] In the claims of this specification, elements expressed as means for performing a function described in the detailed description are intended to include all methods of performing that function, including, for example, a combination of circuit elements that perform that function, or software in any form, including firmware / microcode, combined with appropriate circuitry for executing the software to perform that function. Since the invention defined by these claims is one in which the functions provided by the various recited means are combined and combined in the manner required by the claims, any means that can provide that function should be understood to be equivalent to what is understood from this specification.

[0027] The above-mentioned objects, features, and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, so that those skilled in the art will be able to easily implement the technical concept of the present invention. Furthermore, in describing the present invention, if it is determined that a detailed description of known technologies related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted.

[0028] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

[0029] FIG. 1 is a conceptual diagram illustrating an overall system according to an embodiment of the present invention.

[0030] The overall system according to an embodiment of the present invention includes a user terminal device 100, a special information providing server 200, a DNS server 300, and a target service server 400.

[0031] First, the user terminal device 100 may be a mobile terminal device provided for each user who uses a service, and may be operated by an application executed on each device. Accordingly, the user terminal device 100 may be various terminal devices such as a user's mobile terminal, smartphone, tablet computer, etc.

[0032] For example, the user terminal device 100 may be any one of an individual terminal device such as a computer, a mobile phone, a smartphone, a smart pad, a laptop computer, a PDA (Personal Digital Assistant), or a PMP (Portable Media Player), or may be a control device implemented as a cloud computing device or a server device, and capable of outputting a screen and sound.

[0033] The target service server 400 may be a service server connected by driving an application of the user terminal device 100, and may include various service servers that provide service information such as shopping, delivery, and accommodation.

[0034] The DNS server 300 may be a normal DNS server that processes a real IP address response corresponding to the domain name information requested by the user terminal device 100, and can process a real IP address response corresponding to a DNS query request of the target service server 400 requested by the user terminal device 100.

[0035] The user terminal device 100 can be registered for a privilege information service provided through the privilege information providing server 200. Here, the privilege information providing server 200 can receive and manage the terminal identification information of the user terminal device 100, the corresponding payment method information, and customer information.

[0036] For registering the privilege information service, the privilege information providing server 200 may check the customer information of the user terminal device 100 and register payment method information for providing privilege information for each target service corresponding to the customer information. Here, the customer information may include, for example, at least one of the payment method information, validity period information, date of birth information, password information, payment method name authentication information, and terminal authentication information.

[0037] The user terminal 100 may also include a Virtual Private Network (VPN) module. In an embodiment of the present invention, the user terminal 100 may convert and encrypt communication with the target service server 400 using the VPN module, and in the process, may identify and notify the target service server 400 using domain name information acquired through a separate identification process.

[0038] In addition, the user terminal device 100 performs packet conversion and analyzes domain name information for identifying and notifying the target service server 400, but can also perform the restoration conversion and transmission process of the original packet in parallel so that normal communication with the target service server 400 is maintained.

[0039] Accordingly, the operation of the virtual private network module according to the embodiment of the present invention can be processed within the user terminal device 100 or the internal network, and can be processed regardless of the use of the target service server 400 in the external network.

[0040] Such a virtual private network module may be a module that is pre-installed as one component of the user terminal device 100, but it is obvious that it may also operate as a separate server configured separately within the internal network.

[0041] More specifically, the user terminal device 100 can register the first address as DNS server information in a virtual private network (VPN) module.

[0042] When the user terminal device 100 runs an application that works in conjunction with the target service server 400, it can obtain domain name server (DNS) query request result information corresponding to the target service server 400 from the DNS server 300 using the DNS server information, and generate connection domain information from the domain name server (DNS) query request result information.

[0043] Here, the query request result information may include a first address, which is DNS server information that requested the domain name information query, the domain name information that requested the query, and IP address information as the domain name server query request result.

[0044] Also, the user terminal device 100 restores the first address of the inquiry request result information to the original address, so that connection with the target service server 400 and packet transmission / reception can be processed normally.

[0045] The user terminal device 100 can then use the query request result information to classify the domains of packets sent and received to a specific IP address into packets of the target service server 400, and generate the connection domain information based on the classification frequency or number of times.

[0046] Then, the user terminal device 100 outputs benefit notification information for each user payment means corresponding to the application based on the connection domain information.

[0047] With this system configuration, the user terminal device 100 can directly and accurately identify the domain name of the target service server 400 that is accessed only when using the actual application without affecting the operation of the application, and can analyze communication packets using the identified domain name information and generate connection domain information based on pre-set rules such as the number or frequency of packets.

[0048] In addition, the user terminal device 100 can request the benefit information providing server 200 for benefit information for each payment method of the target service based on the connection domain information, and by receiving the result, output benefit notification information for each user payment method corresponding to the application.

[0049] Accordingly, the user terminal device 100 can output benefit notification information for each user's payment means in real time according to various network-driven environments such as a shopping application, a lodging application, and a web application to which the user terminal device 100 is connected.

[0050] The user payment method-specific benefit notification information may be output in the form of a pop-up message, an icon, a notification message, or a sound and vibration.

[0051] For example, when the user terminal device 100 runs the Coupang application and connects to the target service server 400, discount rate information for the Coupang service of the first payment card held can be provided, and when the user runs the E-Mart application and connects to another target service server 400, reward rate information for the second payment card that can be earned in the E-Mart service can be provided.

[0052]

[0053] FIG. 2 is a block diagram illustrating a user terminal device according to an embodiment of the present invention in more detail.

[0054] Referring to FIG. 2, the user terminal device 100 according to an embodiment of the present invention may be configured to include a control unit 110, a communication unit 120, a payment method information management unit 130, an application driving unit 140, a packet information analysis unit 150, a bonus information processing unit 160, an output unit 170, a virtual private network module 190, and a storage unit 180.

[0055] The communication unit 120 may include one or more modules for performing communication between external devices.

[0056] Here, the communication unit 120 may include a communication module that is connected wirelessly or by wire through a local area network (LAN) or the Internet, that is connected through a universal serial bus (USB) port, that is connected through a mobile communication network such as 3G or 4G, or that is connected through a short-range wireless communication method such as near field communication (NFC), radio frequency identification (RFID), or Wi-Fi.

[0057] The payment method information management unit 130 registers, stores, and manages the user's payment method information. Here, the payment method information can be exemplified by cash card information, credit card information, online payment account information, payment QR code information, payment barcode information, etc. Furthermore, family shared card information, other person's card information, etc. can also be registered through pre-setting and authentication.

[0058] The application driver 140 may drive an application according to a user input. Here, the application may have various functions such as a web application, a delivery application, a shopping application, etc., and may be exemplified by an online application that processes the various functions to be performed through communication with the target service server 400 according to an embodiment of the present invention.

[0059] In addition, the application driver 140 can collect, store, and manage application processing data of the user.

[0060] For example, the application driver 140 can store and manage user location information, Wi-Fi connection information, web connection information, application execution information, payment record information, VPN connection information, etc., and at least a portion of the stored information can be transmitted to the virtual private network module 190 or the bonus information processor 160.

[0061] Meanwhile, the virtual private network module 190 registers the first address as DNS server information, and converts or restores a DNS inquiry packet with the target service server 400 according to the application driving unit 140 driving the application.

[0062] The virtual private network module 190 can then use the DNS server information to obtain domain name server (DNS) query request result information corresponding to the target service server 400 from the DNS server 300, generate connection domain information from the domain name server (DNS) query request result information, and transmit it to the control unit 110.

[0063] More specifically, the virtual private network module 190 can configure a domain name server (DNS) query request packet to be requested from the DNS server 300 from the DNS server information, and obtain the domain name server (DNS) query request result information from the DNS server 300. At this time, the virtual private network module 190 can restore the originating address of the domain name server query request result information to the original address of the user terminal device 100 from the DNS server information, and transmit the restored domain name server query request result information to the application driver 140.

[0064] Accordingly, the application driving unit 140 can identify the IP address of the target service server 400 without any particular abnormality, process packet transmission and reception to the identified IP address, and drive the application.

[0065] The virtual private network module 190 can filter notification target domain information from the domain name server (DNS) query request result information.

[0066] Here, the virtual private network module 190 can provide the filtered notification target domain information to the packet information analysis unit 150, and analyze a request packet to the target service server 400 driven by the application.

[0067] In addition, if the number or frequency of requests to a specific domain among the domains registered in the notification target domain information is greater than or equal to a threshold value, the packet information analysis unit 150 can generate the connection domain information corresponding to the specific domain.

[0068] When the connection domain information is generated, the bonus information processing unit 160, under the control of the control unit 110, identifies target service information corresponding to the specific domain based on the connection domain information, requests bonus information for each user payment means corresponding to the target service information from the pre-registered bonus information providing device 200, receives the bonus information for each user payment means corresponding to the target service information from the bonus information providing device 200, and outputs it through the output unit 170.

[0069] For example, the benefit information processing unit 160 can display a benefit notification message for each user's payment method on one side of the application driving screen of the output unit 170 based on the connection domain information.

[0070] The payment method-specific benefit notification information message may include one or more payment method information for which payment benefits for product content of the target service are available, determined corresponding to the connection domain information from among the payment methods pre-set in the user terminal.

[0071] For example, when the Pedal Minzoku app is executed, a notification of optimal payment method benefits according to an embodiment of the present invention may be displayed on the top row. If the notification is selected, card and membership benefit information that can be used in the currently executed app may be displayed on the screen, and the remaining benefits for each card this month may be calculated and output. This benefit information includes information that has been calculated in advance by the benefit information providing server 200 and transmitted to the benefit information processing unit 160.

[0072] In addition, when the taxi application service is used, the benefit information processing unit 160 checks benefit information related to taxi payment from the benefit information providing server 200, displays a corresponding notification, and when the notification is selected, processes the processing so that the optimal payment method and benefit information related to taxi payment are output.

[0073] In addition, when accessing the MarketKurly web, which is a shopping web page, benefit information configured by the benefit information processing unit 160 may be output at the top of the screen. For this purpose, the virtual private network module 190 according to an embodiment of the present invention provides the operation of an application running in the background, and when the connection information of the web application identified from the connection domain information is MarketKurly, the benefit information processing unit 160 checks benefit information related to MarketKurly payment from the benefit information providing server 200, and the output unit 170 displays a corresponding notification, and when the notification is selected, benefit information for each payment means related to MarketKurly payment can be output.

[0074] Accordingly, the control unit 110 can use the benefit information processing unit 160 to output benefit notification information for each user payment means corresponding to the application based on the connection domain information through the output unit 170.

[0075] Meanwhile, the processing operation of the control unit 110 can be performed in the background of the user terminal device 100, and the payment method-specific benefit information can be processed in the foreground as a notification message output method. Accordingly, the payment method-specific benefit information can be output through the output unit 170 as a voice or text notification message.

[0076] Here, the foreground mode refers to a service mode in which the application is executed in the memory of the storage unit 180 under the control of the control unit 110, and may refer to a mode in which the operation of the running application is output through a screen interface on the display of the output unit 170. When the foreground execution is terminated, the application service is terminated and may be terminated on the screen. On the other hand, the background mode refers to a mode in which even a running application can be executed and terminated without being output on the screen, and may be operated in a manner that is not noticeable to the user.

[0077] Meanwhile, the storage unit 180 stores and manages data required for providing services according to the embodiment of the present invention.

[0078]

[0079] FIG. 3 is a block diagram illustrating a special information providing server according to an embodiment of the present invention.

[0080] Referring to FIG. 3, the privilege information providing server 200 according to the embodiment of the present invention includes a communication unit 220 and a privilege information calculation unit 210, and the privilege information calculation unit 210 includes a payment method information database 211 and a privilege information database 213.

[0081] The communication unit 220 receives a request for payment method-specific benefit information from the user terminal device 100 .

[0082] More specifically, the communication unit 220 registers the first address as DNS server information in a virtual private network (VPN) module in the user terminal device 100, runs an application that works in conjunction with the target service server, obtains Domain Name Server (DNS) query request result information corresponding to the target service server using the DNS server information, generates connection domain information from the Domain Name Server (DNS) query request result information, identifies target service information corresponding to the specific domain based on the connection domain information, and receives a request for special benefit information for each user payment method of the user terminal requested in response to the target service information.

[0083] The benefit information calculation unit 210 calculates benefit information for each user's payment method corresponding to the target service information using a payment method information database 211 and a benefit information database 213 that are constructed in advance.

[0084] The communication unit 220 then transmits the calculated user payment means-specific benefit information to the user terminal 100 .

[0085] The privilege information providing server 200 can communicate with a pre-set financial institution or card company server, and can be a server that updates and manages the payment method information database 211 and the corresponding mapped privilege information database 213 in real time or at regular intervals.

[0086]

[0087] FIG. 4 is a ladder diagram for explaining the operation of the entire system according to an embodiment of the present invention.

[0088] Referring to FIG. 4, first, the control unit 110 registers the privilege information service and the payment method information in the privilege information providing server 200 (S1001).

[0089] Then, the virtual private network module 190 registers the first virtual address as a DNS server (S1003).

[0090] Thereafter, the control unit 110 attempts to execute the application and connect to the target service server through the application driving unit 140 (S1005).

[0091] When a UDP packet including a DNS query request for server connection is identified (S1007), the virtual private network module 190 converts and generates a DNS query request packet to the DNS server 300 using the first address (S1009).

[0092] The virtual private network module 190 requests a DNS query through the DNS server 300 (S1011) and receives a DNS query response corresponding to the request from the DNS server 300 (S1013).

[0093] Thereafter, the virtual private network module 190 restores the originating address of the DNS query result packet to the original address of the user terminal device 100 (S1015), and the restored DNS query result packet is transmitted to the application driver 140 via the controller 110 (S1017).

[0094] Then, the virtual private network module 190 filters the notification target domain information from the DNS query result packet (S1019).

[0095] Here, the notification target domain information can be mapped and filtered according to pre-defined target services, for example, aaa.com can be filtered to indicate a delivery service, bbb.com can be filtered to indicate a hotel reservation service, and ccc.com can be filtered to indicate a taxi service.

[0096] Thereafter, the control unit 110 processes a service information request and response from the target service server 400 using the IP address information identified by using the restored DNS query result packet, and runs an application (S1021, S1023).

[0097] Here, the service information request and response with the IP address information can be performed using a TCP / IP packet.

[0098] As a result of this operation, the virtual private network module 190 determines whether the number or frequency of IP packet requests to a specific domain among the pre-filtered domains is greater than or equal to a threshold value (S1025) through the packet information analysis unit 150. If it is not greater than or equal to the threshold value, filtering and packet analysis can be continued.

[0099] On the other hand, if the number is equal to or greater than the threshold value, the virtual private network module 190 generates connection domain information and transmits it to the control unit 110 (S1027).

[0100] Through this process, domain information analysis and target service domain filtering can be performed primarily through UDP packet analysis of DNS request information, and the target service can be determined secondarily through subsequent analysis of the number or frequency of requests of TCP / IP packets, thereby improving its accuracy.

[0101] Here, the connection domain information may include notification setting information that sets a specific target service provided by a domain identified from the packet as a notification target service.

[0102] Accordingly, the control unit 110 requests the bonus information providing server 200 for bonus information by payment method of the service to be notified through the bonus information processing unit 160 (S1029), and the bonus information providing server 200 provides the bonus information by payment method of the requested service to the bonus information processing unit 160 in response (S1031).

[0103] Thereafter, the control unit 110 outputs, through the output unit 170, information on benefits for each of the owned payment methods in response to the application or web service already executed in the foreground (S1033).

[0104] Meanwhile, the request and transmission processes of steps S1029 and S1031 described above are not mandatory, and the process of identifying the benefit information for each payment method of the service to be notified may be processed through the benefit information processing unit 160 of the control unit 110 without a separate request and response.

[0105] In this case, the benefit information processing unit 160 may store and manage a benefit information database for each payment method according to the target service in advance in the storage unit 180 of the user terminal device 100, and may identify the benefit information for each payment method of the notified service described above using the pre-stored benefit information database for each payment method according to the target service. If such a process exists, the benefit information providing server 200 may provide the user terminal device 100 with a pre-established benefit information database for each payment method in advance.

[0106]

[0107] FIG. 5 is a block diagram illustrating an overall system according to another embodiment of the present invention.

[0108] Referring to FIG. 5, the overall system according to another embodiment of the present invention may further include an offline store recognition analysis service server 500 that uses the store recognition module of the user terminal device 100 according to the embodiment of the present invention to identify offline stores located near the user terminal device 100 and output payment method-specific benefit information corresponding to the identified offline stores.

[0109] Here, the offline store recognition analysis service server 500 can recognize and process offline stores located near the user terminal device 100 in conjunction with a store recognition module provided in the user terminal device 100, and provide a data sharing service based on the recognized store information.

[0110] For this purpose, the user terminal device 100 may be provided with a store recognition module for offline store recognition. The store recognition module may include the above-mentioned virtual private network (VPN) module. The store recognition module may also collect and manage various environmental information for offline store recognition. The store recognition module may include at least one of a virtual private network module, a payment information tracking module, a location tracking module, a Wi-Fi module, and a sound recognition module.

[0111] The payment information tracking module can collect and manage payment messages or benefit application record messages transmitted and received through the user terminal device 100 for offline store recognition.

[0112] The location tracking module can track location information of the user terminal device 100 for offline store recognition. For example, the location tracking module can be exemplified by a GPS module.

[0113] The WiFi module can collect and manage SSID information and signal strength information such as RSSI of a WiFi AP connected to the user terminal device 100 for offline store recognition.

[0114] The sound recognition module can collect and manage sound feature information collected by a microphone provided in the user terminal device 100 for offline store recognition.

[0115] Accordingly, the user terminal device 100 can transmit the collected information of the store recognition module to the offline store recognition analysis service server 500, and the offline store recognition analysis service server 500 can identify the offline store based on the collected information, and the identified offline store information can be transmitted to the special information providing server 200 and the user terminal device 100.

[0116] For example, the store recognition module may identify the offline store by combining the information collected by the Wi-Fi module and the information collected by the sound recognition module. In this case, the store recognition module may collect specific store identification information and Wi-Fi SSID information matching the specific store identification information from the offline store recognition analysis service server 500, and may receive and pre-store store-specific benefit information for each store and payment method corresponding to the specific store identification information from the benefit information providing server 200.

[0117] The user terminal device 100 can collect surrounding WiFi SSIDs through the WiFi module and collect surrounding sound feature information through the microphone of the sound recognition module. Here, the sound recognition module can identify the current user's voice environment information in the store by using an artificial intelligence model that has previously learned voice environment information for each offline store corresponding to the sound feature information. For example, the sound recognition module can identify whether the user has entered or is outside the coffee store.

[0118] The user terminal device 100 can recognize which store the user of the user terminal device 100 has entered by using the output information of the WiFi SSID and sound recognition module and the information previously received and stored from the offline store recognition analysis service server 500 through the store recognition module, and can check the benefit information for each payment method applied to the user at the entered store and output it through the output unit 170.

[0119] Meanwhile, the store recognition module of the user terminal device 100 can process various environmental information corresponding to the store along with sound information collected in the store as learning input values ​​in order to learn the above-mentioned artificial intelligence model, and the learning input values ​​may further include sound feature information, Wi-Fi identification information, and payment text or notification information collected by the payment information tracking module.

[0120] For example, the user terminal device 100 can identify payment characters or payment notifications through the payment information tracking module, and at the time of payment recognition through the payment notification, the Wi-Fi module can collect surrounding Wi-Fi SSID information, and at the same time, the sound recognition module can collect surrounding sound feature information.

[0121] The user terminal device 100 can generate learning data from snapshot data combining the surrounding Wi-Fi SSID and sound feature information in response to the payment text or payment notification, and the learning data is transmitted to the offline store recognition analysis service server 500 and processed to be used for offline store identification. Here, the learning data can be used for learning an artificial intelligence learning model trained by related learning algorithms such as CNN and DNN. Accordingly, the accuracy of offline store recognition functions based on various environment recognitions can be trained and improved.

[0122] The user terminal device 100 can identify payment means-specific benefit information confirmed corresponding to the offline store through the benefit information processing unit 160 and output the same through the output unit 170.

[0123] For example, the user terminal device 100 can identify at least one of a specific affiliated store's Wi-Fi SSID, payment SMS, location information, and sound characteristic information through the store recognition module, identify payment method-specific benefit information through offline store recognition corresponding to the specific affiliated store's Wi-Fi, specific payment SMS, specific location, and specific sound characteristic information, and perform notification processing through the output unit 170.

[0124] For example, when there is a payment method provider affiliated store near the user terminal device 100 that offers special benefits to the user, discount / special benefit information can be automatically displayed on the screen of the user terminal device 100.

[0125] For this purpose, the present invention relates to an embodiment User terminal device 100 can carry out the following procedures:

[0126] The user terminal device 100 can receive, via the benefit information processing unit 160, benefit information of the payment method registered by the user from the server.

[0127] The user terminal device 100 can collect SSIDs corresponding to the WiFi APs of nearby stores, collect sound characteristic information, collect payment SMS information, and collect location information through the WiFi module of the store recognition module.

[0128] The user terminal device 100 can identify an offline store using at least one of the SSID information, sound characteristic information, payment SMS information, and location information through the store recognition module. To this end, the store recognition module transmits at least one of the SSID information, sound characteristic information, payment SMS information, and location information to the offline store recognition analysis service server 500, and can receive store identification information as an analysis result from the offline store recognition analysis service server 500.

[0129] The user terminal device 100 can provide the store identification information to the benefit information providing server 200 to receive benefit information, or can output a screen notification using the output unit 170 when there is a benefit applicable to the payment method registered by the user through the benefit information processing unit 160.

[0130] Here, the WiFi module can further perform filtering to extract only SSIDs that are identified for a certain period of time at a certain strength from the WiFi SSIDs, thereby preventing the display of unintended stores.

[0131] In addition, the user terminal device 100 can be configured to output discount benefit information for each payment method when the benefit information processing unit 160 outputs a notification, and can be controlled to receive and output more detailed benefit information from the benefit information providing server 200 when the user selects a notification.

[0132] Meanwhile, the offline store recognition analysis service server 500 may manage in a database affiliated store identification information corresponding to at least one of specific SSID information, specific sound characteristic information, specific payment SMS information, and specific location information, and payment method supplier information corresponding to the affiliated store identification information.

[0133]

[0134] FIG. 6 is a diagram illustrating a method for registering offline affiliated store Wi-Fi identification information.

[0135] Referring to FIG. 6, according to an embodiment of the present invention User terminal device The 100 can pre-register and manage WiFi identification information for providing location-based payment privilege services through the WiFi module of the store recognition module.

[0136] In particular, franchises and large-scale stores with unified Wi-Fi identification information are related to the embodiment of the present invention. User terminal device 100 can register the Wi-Fi identification information of the relevant store in advance.

[0137] However, among franchises whose Wi-Fi identification information has not been registered, there are many stores whose Wi-Fi identification information is not unified or is difficult to identify. Therefore, such stores are not included in the embodiment of the present invention. User terminal device In order to distinguish between the 100, a Wi-Fi identification information registration procedure is required for each store.

[0138] That is, in the case of a specific franchisee, the WiFi identification information clearly distinguished by the franchisee is used to User terminal device 100 can easily register their Wi-Fi ID in the app and when they visit the store, they can be identified by their Wi-Fi ID and receive special offers.

[0139] However, many participating stores allow the store owner to set the Wi-Fi identification information at their own discretion, and a considerable number of them use the name assigned by the Wi-Fi repeater company, such as iptime or KT wifi 1234.

[0140] Therefore, in a street in an area where many shops are located, many Wi-Fi signals with the same Wi-Fi identification information are emitted, and in reality, you can only identify the Wi-Fi with the strongest signal by entering a specific shop in the area, and if you have logged in once, you will most likely be automatically logged in.

[0141] With reference to these points, the present invention will be described in detail. User terminal device 100 can distinguish whether the store where the user's terminal is entered is a member store of a payment method only by the Wi-Fi identification information determined by the owner of the store.

[0142] For this purpose, the present invention relates to an embodiment of the present invention. User terminal device 100 can selectively perform the following processes:

[0143] (A) User Direct Input Service: A user directly inputs data relating to an embodiment of the present invention. User terminal device If a customer visits a store that does not have Wi-Fi registered in 100, the customer User terminal device In 100, the Wi-Fi of the corresponding store is registered, and the store having the Wi-Fi identification information is identified as an affiliated store that receives benefits from each payment method provider according to an embodiment of the present invention. User terminal device It must be possible to store 100 internally.

[0144] (1) Wi-Fi identification information registration service: Provides a system for registering Wi-Fi identification information for each store with a unique name.

[0145] For example, if the WiFi ID number iptime or KT wifi 1234 is commonly used by Paris Baguette in Bundang, the user can assign a new name to the WiFi ID number as "Paris Baguette Bundang Gumi Store" so that the ID for the WiFi signal will be displayed with the new name when the user visits or passes by.

[0146] At this time, according to the embodiment of the present invention User terminal device In 100, a UI that makes it easy to register a new name can be provided. For example, if only the word "Paris" is entered through the UI, related Paris Baguettes are displayed, and when Paris Baguette is selected, the GPS is read and the corresponding GPS information and the names of nearby Paris Baguette branches are displayed for selection. User terminal device 100 can be provided.

[0147] At this time, according to the embodiment of the present invention User terminal device 100 can store and manage various identification information related to the Wi-Fi identification information (IP time) set by the store owner, the Wi-Fi identification information (Paris Baguette Bundangumi store) set by the user, and the Wi-Fi repeater.

[0148] (2) Store name payment method provider affiliated list registration service: When a user inputs the store name, the store name entered by the user may differ from the affiliated store name used internally by the payment method provider. Therefore, the process of mapping this is described in accordance with the embodiment of the present invention. User terminal device Although the user has entered "Tom & Toms," payment method providers may use various different names internally, such as Tom & Toms, Tom Antoms, Tom & Toms coffee, etc. User terminal device 100 can provide registration services that reflect this.

[0149] (B) User terminal device 100 Input Service: An embodiment of the present invention focusing on important franchises User terminal device100 can provide a service that allows direct input.

[0150] (c) Store owner input service: according to an embodiment of the present invention User terminal device The 100 provides a function that allows the store owner to easily change the Wi-Fi ID information, so that the Wi-Fi ID information can be differentiated from that of surrounding stores so that users can easily distinguish it. User terminal device In the case of a franchise, 100 can provide a list of location names to the store owner.

[0151] (2) ID Expression Method Supplementary Service: Related to the Embodiments of the Present Invention User terminal device The device 100 can provide a function for adding various decoration expressions to the Wi-Fi identification information (name). Emoticons indicating a store can be added to the Wi-Fi identification information.

[0152] -Payment information infrastructure affiliated store basic information registration service

[0153] According to an embodiment of the present invention User terminal device 100 can provide a payment information base affiliated store basic information registration service when a user visits a specific store with Wi-Fi and makes a payment.

[0154] (A) The GPS location / wifi repeater related information of the relevant store is stored in accordance with an embodiment of the present invention. User terminal device 100 can be understood, and relates to an embodiment of the present invention. User terminal device 100 can identify the store name / payment item / store Wi-Fi name from the payment notification message transmitted to the user's mobile terminal.

[0155] (b) GPS Zone Class Code Service: User terminal device 100 statistically analyzes the usage information of many users and stores and manages the analysis information for the corresponding store.

[0156] According to an embodiment of the present invention User terminal device100 stores data such as the business name, GPS standard value, Wi-Fi name set by the store owner, and internal name for each card company.

[0157] Moreover, according to an embodiment of the present invention User terminal device When assigning a GPS Zone Class Code to a store, 100 analyzes the Wi-Fi signal characteristics for each time period during which the user makes a payment and determines the code. In particular, in the case of a store located on the border of a GPS zone class, multiple GPS zone class codes may be held, and the code may be reflected in the determination.

[0158] (C) Default Wi-Fi Name Service: Based on the user payment notification message information, the default name for the corresponding store Wi-Fi is set according to the embodiment of the present invention. User terminal device 100 can be specified.

[0159]

[0160] On the other hand, Fig. 6 Illustrated below is a WiFi identification information coding method according to an embodiment of the present invention. Referring to FIG. 6, User terminal device 100 can assign Wifi ID codes according to various features through internal Wifi identification information coding, such as:

[0161] (i) GPS Zone Code: G-Zone Code, a standard that assigns one GPS zone code per 100 people, divides the entire country into approximately 500,000 to 1 million areas based on administrative districts, population, and commercial density, and assigns numbers to each area.

[0162] figure 6 Figure 1 shows an example of GPS Zone Coding. When a store is close to the boundary of a GPS Zone, the GPS Zone Code can have many values.

[0163] (b) Store nickname code: Call Name Code, the name of the store that users often call, such as Tom and Toms.

[0164] (c) Brand code used by payment means provider: Brand name code, the brand name of the affiliated store used within the payment means provider, for example, one or more of the many names such as Tom & Toms, Tom & Toms Coffee, Tom & Toms, Tom & Toms coffee, etc., can be used as the payment means provider's affiliated store list.

[0165] (2) Payment method provider registration branch code: Branch Point Code. In the case of a franchise, there may be tens to thousands of branches, while in the case of a single store, there may be only one location.

[0166] (E) According to an embodiment of the present invention User terminal device 100 Dedicated WiFi ID code: For example, Kg22351 -cn1355 -bn8765 -bp0355, etc.

[0167] Kg22351:Kg Gyeonggi-do, Seongnam-si (2) Bundang-gu (2) Gumi-dong (3) Gumi-dong Intersection (5) Southwest side (1), GPS Zone Code.

[0168] cn1355: call Name, the usual name code for Paris Baguette, etc.

[0169] bn8765: Brand name, code for the payment provider that refers to a franchise, such as Paris Baguette / Paris Baguette / Paris Baguette Cafe.

[0170] bp0355:branch point Franchise branch name, Bundang-gu, Gumi-dong, Paris Baguette Gumi store, etc.

[0171] Based on the above-described WiFi identification information coding method, the present invention User terminal device 100 can operate as follows when visiting a specific area (G-Zone):

[0172] -GPS Zone Service operation

[0173] According to an embodiment of the present invention User terminal device 100 reads the GPS signal and calculates the G-Zone Code. It extracts a list of affiliated stores that belong to the corresponding G-Zone Code and offer special benefits from the card registered by the user.

[0174] When the user's mobile device receives a Wi-Fi signal within a specific G-Zone Code and the user's movement speed is slow (excluding walking and riding), a list of available payment methods within the corresponding GPS Zone Class that offer special offers will be displayed on the mobile device.

[0175] According to an embodiment of the present invention User terminal device 100 is an embodiment of the present invention in the relevant area. User terminal device You can sort the names of stores with 100+ usage experience at the top.

[0176] Moreover, according to an embodiment of the present invention User terminal device 100 can be configured to output examples of special offer stores within G-Zone even if Wi-Fi signal is not available depending on the user's selection.

[0177]

[0178] Meanwhile, FIG. 7 illustrates a shared payment system according to another embodiment of the present invention. User terminal device 100 may include a bonus information sharing module.

[0179] The benefit information sharing module can provide a function to automatically search for and present the payment method with the greatest payment benefit among the people who visited the affiliated store together with friends or family who use the same service according to an embodiment of the present invention when the user of the user terminal device 100 visits the affiliated store together with friends or family who use the same service according to an embodiment of the present invention.

[0180] For example, according to an embodiment of the present invention User terminal device 100, when a user who is accompanying a user using the same service is selected on a mobile terminal, the user can view payment benefit information of the payment means owned by the accompanying user, and User terminal device When 100 users are connected to the same affiliated store Wi-Fi, the payment method with the greatest reward can be output on the mobile terminal. For this purpose, the friend information that has previously selected the reward information sharing function can be used in accordance with an embodiment of the present invention. User terminal device 100 may be registered in advance.

[0181] On the other hand, according to an embodiment of the present invention User terminal device 100 can promote the promotion of payment methods and consumer rights by comparing and showing the benefits of other payment methods other than the payment method held by the user for users who frequently visit a specific online mall or offline store through the benefit information processing unit 160.

[0182] More specifically, payment sharing and authorization can refer to the concept of approving and sharing one's card with family members who are part of an economic community to use it online or offline. This can also include a structure in which friends or other people who are not part of an economic community are allowed to use the card and are required to pay for the usage fee and additional fees.

[0183] For example, if a family payment sharing user only needs to go through the procedure to confirm the shared payment method, they can allow shared payments in the form of individual permission, period permission, or usage permission according to the family usage permission. Even if they use their own card, they can receive family card points. For example, if they go to a Hyundai Department Store and use their own Woori Card, the points they use can be accumulated on their family's department store-linked Samsung Card / Hyundai Card or their family's Hyundai Department Store-specific point card.

[0184] In addition, by expanding this, functions such as approval of card use, usage fees, prepayment account, and linking to other people's check cards or payment accounts can be performed for people who are not family members.

[0185] To this end, referring to FIG. 7, a User terminal device The registration of 100 shares of use follows the procedure below.

[0186] (1) According to the embodiment of the present invention User terminal device 100 is a diagram showing an embodiment of the present invention in which a user 1 selects a shared payment method from among those approved in advance by a payment method provider. User terminal device 100 and the payment method provider (card company) to register it as a shared payment method, and the payment method provider provides this information to the affiliated store.

[0187] (2) Related to the embodiment of the present invention User terminal device 100 identifies user 2 (payment sharing user) by ID (telephone number) at the request of user 1 (payment sharing provider) and registers the user 2 in the sharing user DB. User terminal device 100 performs personal verification procedures other than the telephone number of user 2 as necessary.

[0188] (3) Related to the embodiment of the present invention User terminal device When user 1 permits user 2 to share a designated payment method (card), 100 registers this information in the terminals of users 1 and 2 and the shared payment server.

[0189] (4) Related to the embodiment of the present invention User terminal device 100 outputs the payment method shared by users 1 and 2 as a notification.

[0190] (5) The terminal of User 2 may be equipped with a digital payment method (e.g., Samsung Pay, Naver Pay, etc.), which may be connected to the shared payment server and the embodiment of the present invention. User terminal device 100 to share information and process the shared payment method.

[0191]

[0192] FIG. 8 illustrates an embodiment of the present invention for enabling the use of shared payment instruments. User terminal device 1 illustrates a payment system including 100.

[0193] According to the process described in FIG. 7, information that User 2 has made a payment using the shared payment means is transmitted to the POS of the online / offline store. When User 2 enters the specific store, User terminal device 100 can output the benefits related to the relevant store (on / off) of the payment means and shared payment means registered by User 2 on User 2's mobile terminal.

[0194] (1) User 2 uses the shared payment method according to the embodiment of the present invention. User terminal device 100 can be selected through the application provided.

[0195] (2) In order for User 2 to use the shared payment means, he / she must transmit the details of the payment to User 1 in advance. For this purpose, User 2's mobile terminal connects to the POS of the store (on / off) to receive the payment details and transmit it to User 1. The method of receiving the payment details is to pay with an already used credit card, etc., and then notify the payment details to User 2's terminal in text, and then transmit it to User 1 according to the embodiment of the present invention. User terminal device 100 to user 1 can be exemplified.

[0196] For example, when a digital payment method linked to a POS processes a temporary payment, the payment details are transmitted to the terminal of user 1 through the user payment approval server.

[0197] POS and an embodiment of the present invention User terminal device 100 are linked, so this is an embodiment of the present invention. User terminal device If a shared payment method is selected in 100, the payment details will be transmitted to the user's terminal 1 through the user payment approval server.

[0198] (3) Related to the embodiment of the present invention User terminal device100 provides user 1 with usage request information including the payment details of user 2 via a mobile terminal notification. The usage request information includes information such as the amount and affiliated store.

[0199] (4) When User 1 enters the payment password into his / her mobile device and approves it, this information is transmitted to User 2's device through the user payment approval server.

[0200] (5) User 2's payment is settled using User 1's payment method with final approval from the payment method provider.

[0201] (6) When sharing a payment method with a person who is not part of the economic community, a separate online settlement procedure may be established so that the person can make a prepayment before making a shared payment, or a small fee for the shared payment may be added to the settlement.

[0202] In addition, since companies that provide payment methods are linked to online / offline POS (Point of Sales), User terminal device The user payment authorization server 100 may also be connected to a payment method provider. All shareable payment methods may be provided through prior business agreement with the relevant provider.

[0203] On the other hand, according to an embodiment of the present invention User terminal device 100 is a method for selecting a personal payment method that is not included in the default payment method list according to an embodiment of the present invention. User terminal device 100, which is an embodiment of the present invention, after the user first enters the payment method information. User terminal device 100 can confirm and process the official registration.

[0204] For example, 10 kinds of Uri Cards are used in the embodiment of the present invention. User terminal device If the card number 100 has been registered in advance but there is no 'Our V Biz Card. Golf' for personal use, a UI for the user to take a photo of the card and input the card name is provided according to an embodiment of the present invention. User terminal device 100 can be provided. User terminal device 100 people can officially register "Our V Biz Card.Golf" and update the benefits database.

[0205]

[0206] 9 and 10 are exemplary diagrams illustrating examples of implementing a service interface according to an embodiment of the present invention.

[0207] Referring to FIG. 9, according to an embodiment of the present invention, User terminal device 100 can provide automatic notification service when the pedal ethnic app is launched or when connecting to a web service, and when the user selects an alarm, according to an embodiment of the present invention User terminal device The user can be directed to the application execution screen provided in 100, and card and membership benefit information that can be used with the corresponding app can be provided on the screen.

[0208] More specifically, referring to FIG. 9, an embodiment of the present invention User terminal device The application provided in 100 can be run in the background. When the Pedal Folk App is executed, the above example of the present invention User terminal device The best payment method offer notification provided in 100 may be displayed. If you select this, User terminal device The user can be directed to the application execution screen provided in 100, and card and membership benefit information available for the corresponding app can be provided on the screen, and the remaining benefits for each card this month can be calculated and output.

[0209] FIG. 10 illustrates an embodiment of the present invention based on access to offline stores. User terminal device This is to explain the operation of the application provided in 100. Referring to FIG. 10, when a device is located near a CU store, the Wi-Fi signal identification operation of the application running in the background can be processed, and when the device is approaching the CU store, this can be recognized and an automatic notification message can be output on the upper section.

[0210]

[0211] Meanwhile, the methods according to the various embodiments of the present invention may be implemented in the form of installation data to be executed by a terminal device and stored in various non-transitory computer readable media and provided to each server or device, and the terminal 100 may connect to the server or device and download the installation data.

[0212] A non-transitory readable medium refers to a medium that stores data semi-permanently and can be read by a device, rather than a medium that stores data for a short period of time such as a register, cache, memory, etc. Specifically, the various applications or programs described above may be stored and provided on non-transitory readable media such as a CD, DVD, hard disk, Blu-ray disc, USB, memory card, ROM, etc.

[0213] Furthermore, although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and it goes without saying that various modifications can be made by a person having ordinary skill in the art to which the invention pertains without departing from the gist of the present invention as claimed in the claims, and such modifications should not be understood individually from the technical ideas and perspectives of the present invention.

Claims

1. In a method for operating a user terminal, Obtaining a connection request to a target service server; obtaining DNS (Domain Name Server) query request result information corresponding to the target service server using a VPN (Virtual Private Network) module; and acquiring access domain information from the DNS query request result information; The connection domain information is information related to a domain of a service corresponding to an application or website executed through a user terminal, The step of acquiring the connection domain information includes: filtering notification target domain information from the DNS query request result information configured as a UDP packet; and An operating method of a user terminal, comprising the steps of: analyzing a request IP packet to the target service server; and acquiring the connection domain information corresponding to the specific domain if the number or frequency of requests to the specific domain among the domains registered in the notification target domain information is greater than or equal to a threshold value.

2. registering the first address as DNS server information in the VPN module; The step of obtaining DNS query request result information includes:

2. The method of claim 1, further comprising the step of: acquiring, in the VPN module, the DNS query request result information from the DNS server using a UDP packet.

3. The method of claim 1 , further comprising: outputting information about a benefit provided by each user payment method associated with the service corresponding to the access domain information.

4. In the user terminal device, VPN (Virtual Private Network) module; and A control unit that acquires a connection request to a target service server, The VPN module may acquire DNS (Domain Name Server) query request result information corresponding to the target service server, and acquire connection domain information from the DNS query request result information; The connection domain information is information related to a domain of a service corresponding to an application or website executed through a user terminal, The VPN module filtering notification target domain information from the DNS query request result information composed of a UDP packet, analyzing the request IP packet to the target service server, and acquiring the connection domain information corresponding to the specific domain if the number or frequency of requests to the specific domain among the domains registered in the notification target domain information is equal to or greater than a threshold value; A user terminal device characterized by:

5. The control unit Registering the first address as DNS server information in the VPN module; The VPN module The user terminal of claim 4, wherein the DNS query request result information is obtained from the DNS server in a UDP packet.

6. The control unit The user terminal of claim 4 , further comprising: outputting information about benefits for each user payment method associated with the service corresponding to the connection domain information.

7. memory for storing one or more instructions; and a processor that executes the one or more instructions stored in the memory; 10. An apparatus, wherein the processor performs the method of claim 1 by executing the one or more instructions.

8. A computer program stored on a computer-readable recording medium so that the computer program can be combined with a computer that is hardware to perform the method according to claim 1.

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