Method and device for providing card benefit information

Abstract

The present disclosure relates to a method and a device for providing card benefit information. According to embodiments of the present disclosure, the method for providing card benefit information may comprise the steps of: receiving a search request for a keyword from a user terminal; acquiring information on one or more products associated with the keyword, the one or more products including a first product; acquiring information on a card benefit associated with the first product; calculating a benefit amount for the first product by applying the card benefit by using the information on the card benefit; generating a first nudge object by using information on the benefit amount; and providing a search result page including the first nudge object to the user terminal.

Description

Method and device for providing card benefit information

[0001] The present disclosure relates to a method and device for providing card benefit information. More specifically, the present disclosure relates to a method for providing card benefit information using a form of nudge that enhances understanding of the financial benefits that can be obtained by applying card benefits, and to a computing device to which the method is applied.

[0002] With the rapid growth of the online shopping market, various card benefits are being offered. However, many online shopping platforms fail to effectively communicate these benefits to shoppers. This leads shoppers to not fully understand the benefits they are entitled to, and in some cases, they only check the price before the benefits are applied, ultimately abandoning their purchase.

[0003] Accordingly, there is a need for a method that allows buyers to check card benefit information at a glance and easily understand the financial benefits of card benefits.

[0004] (Patent Document 0001) Patent Registration No. 10-2382621 (Registration Date: March 30, 2022)

[0005] The technical problem to be solved through one embodiment of the present disclosure is to provide a method for enabling purchasers using a shopping service provided by an online shopping platform to easily check card benefit information, and a computing device to which the method is applied.

[0006] A technical problem to be solved through other embodiments of the present disclosure is to provide a method for providing customized card benefit information for each user and a computing device to which the method is applied.

[0007] The technical problems of the present disclosure are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those skilled in the art of the present disclosure from the description below.

[0008] According to one embodiment of the present disclosure for solving the above-described technical problem, a method for providing card benefit information may include the steps of: receiving a search request for a keyword from a user terminal; obtaining information on one or more products associated with the keyword, wherein the one or more products include a first product; obtaining information on a card benefit associated with the first product; calculating a benefit amount to which the card benefit is applied for the first product using the information on the card benefit; generating a first nudge object using the information on the benefit amount; and providing a search result page including the first nudge object to the user terminal.

[0009] In one embodiment, the step of obtaining information about the card benefits may include the step of obtaining information about the first card benefits and the step of obtaining information about the second card benefits that are different from the first card benefits, and the step of calculating the benefit amount may include the step of calculating the first benefit amount to which the first card benefits are applied and the step of calculating the second benefit amount to which the second card benefits are applied.

[0010] In one embodiment, the step of generating the first nudge object may include the step of comparing the first benefit amount and the second benefit amount, the step of selecting one of the first card benefit and the second card benefit as a display target benefit based on the comparison result, and the step of generating the first nudge object including information on the benefit amount to which the display target benefit is applied.

[0011] In one embodiment, the first nudge object may include an indicator indicating the presence of card benefits other than the displayed benefit.

[0012] In one embodiment, the step of calculating the benefit amount may include the step of creating a group by grouping cards that provide the same benefit, and the step of calculating the group benefit amount to which the card benefits of each of the created groups are applied.

[0013] In one embodiment, the step of generating the first nudge object may include the step of comparing the benefit amounts of each group, the step of selecting one of the card benefits of each group as a display target benefit based on the comparison result, and the step of generating the first nudge object including information on the benefit amount to which the display target benefit is applied.

[0014] In one embodiment, the first nudge object may include card information included in a group associated with the display target benefit.

[0015] In one embodiment, the step of calculating the benefit amount may include a step of determining whether a card benefit provided by a card registered as a payment method in the user terminal exists, and, if a card benefit provided by the registered card exists, a step of calculating an individual benefit amount to which the card benefit provided by the registered card is applied, and the step of generating the first nudge object may include a step of generating the first nudge object including information on the individual benefit amount.

[0016] According to other embodiments of the present disclosure for solving the above-described technical problem, a method for providing card benefit information may include the steps of receiving a request for detailed information on a first product from a user terminal, obtaining information on one or more card benefits associated with the first product, calculating a benefit amount to which each of the one or more card benefits is applied for the first product using the information on the one or more card benefits, generating a second nudge object based on the information on the benefit amount, and displaying the second nudge object on a detailed information page for the first product.

[0017] In one embodiment, the second nudge object is displayed in a folded state, and the second nudge object in the folded state may include information about the maximum benefit amount applicable to the first product.

[0018] In one embodiment, the step of displaying the second nudge object further includes the step of displaying the second nudge object by changing it to an expanded state when a user input for changing the display state of the second nudge object is received, and the second nudge object in the expanded state may include information about the benefit amount to which each of the one or more card benefits is applied.

[0019] In one embodiment, the second nudge object in the expanded state may further include a button linked to a card benefit page showing detailed information of the one or more card benefits, and a step of providing the card benefit page in response to a user input selecting the button.

[0020] In one embodiment, the step of generating the second nudge object may include the step of determining whether a card benefit provided by a card registered as a payment method in the user terminal exists, and if a card benefit provided by the registered card exists, the step of generating a second nudge object including an individual benefit amount to which the card benefit provided by the registered card is applied.

[0021] According to further embodiments of the present disclosure for solving the above-described technical problem, a method for providing card benefits may include the steps of: receiving a purchase request for a first product from a user's terminal; obtaining information about a plurality of cards registered as a payment method in the user's terminal; obtaining card benefit information associated with the plurality of registered cards applicable to the first product; calculating a benefit amount for each of the plurality of registered cards using the information about the card benefits; determining whether to display a third nudge object using the information about the benefit amount; and providing a payment page for the first product including the third nudge object to the user terminal in response to determining to display the third nudge object.

[0022] In one embodiment, the registered plurality of cards includes a basic card set as a basic payment method, and the step of determining whether to display the third nudge object may include the step of comparing the benefit amount of the basic card with the benefit amounts of the remaining cards, and the step of determining to display the third nudge object if the benefit amount of any one of the remaining cards is less than the benefit amount of the basic card as a result of the comparison.

[0023] According to further embodiments of the present disclosure for solving the above-described technical problem, a computing device includes a processor and a memory storing instructions, wherein the instructions, when executed by the processor, cause the processor to perform the following operations: receiving a search request for a keyword from a user terminal; obtaining information on one or more products associated with the keyword, wherein the one or more products include a first product; obtaining information on a card benefit associated with the first product; calculating a benefit amount to which the card benefit is applied for the first product using the information on the card benefit; generating a first nudge object using the information on the benefit amount; and providing a search result page including the first nudge object to the user terminal.

[0024] According to further embodiments of the present disclosure for solving the above-described technical problem, a computing device includes a processor and a memory storing instructions, wherein the instructions, when executed by the processor, cause the processor to perform the following operations: receiving a request for detailed information on a first product from a user terminal; obtaining information on one or more card benefits associated with the first product; calculating a benefit amount to which each of the one or more card benefits is applied for the first product using the information on the one or more card benefits; generating a second nudge object based on the information on the benefit amount; and displaying the second nudge object on a detailed information page for the first product.

[0025] According to further embodiments of the present disclosure for solving the above-described technical problem, a computing device includes a processor and a memory storing instructions, wherein the instructions, when executed by the processor, cause the processor to perform the following operations: receiving a purchase request for a first product from a user's terminal; obtaining information about a plurality of cards registered as a payment method on the user's terminal; obtaining card benefit information associated with the plurality of registered cards applicable to the first product; calculating a benefit amount for each of the plurality of registered cards using the information about the card benefits; determining whether to display a third nudge object using the information about the benefit amount; and providing a payment page for the first product including the third nudge object to the user's terminal in response to a determination to display the third nudge object.

[0026] According to this embodiment, by displaying a nudge object including information on the benefit amount to which the card benefit is applied, the monetary benefit according to the applicable card benefit for the product can be more intuitively understood, and thus the convenience of the purchaser can be effectively increased.

[0027] In addition, according to the present embodiment, by displaying a nudge object including card benefit information of a card registered in a user terminal, more useful card benefit information can be provided to the user, and support can be provided for selecting a better product.

[0028] The effects according to the technical idea of ​​the present disclosure are not limited to the effects mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

[0029] FIG. 1 illustrates an exemplary environment in which a method for providing card benefit information according to some embodiments of the present disclosure may be performed.

[0030] FIG. 2 is a flowchart exemplarily showing a method for providing card benefit information according to another embodiment of the present disclosure.

[0031] FIG. 3 is a diagram exemplarily showing a search results page that can be referenced in one embodiment of the present disclosure.

[0032] FIGS. 4 to 6 are drawings showing various modified examples of the first nudge object according to an embodiment of the present disclosure.

[0033] FIG. 7 is a flowchart exemplarily showing a method for providing card benefit information according to another embodiment of the present disclosure.

[0034] FIG. 8 is a drawing exemplarily showing a detailed information page that can be referenced in one embodiment of the present disclosure.

[0035] FIG. 9 illustrates an example of a benefit information display area including a second nudge object according to one embodiment of the present disclosure.

[0036] FIG. 10 is a drawing showing a modified example of the second nudge object illustrated in FIG. 9.

[0037] Fig. 11 illustrates a detailed information page according to a modified example of the present embodiment.

[0038] Fig. 12 is a drawing showing a modified example of the second nudge object illustrated in Fig. 11.

[0039] FIG. 13 is a flowchart exemplifying a method for providing card benefit information according to another embodiment of the present disclosure.

[0040] FIG. 14a and FIG. 14b are diagrams exemplarily showing a payment page that can be referenced in one embodiment of the present disclosure.

[0041] FIGS. 15a and 15b are drawings showing variations of the payment page illustrated in FIGS. 14a and 14b.

[0042] FIG. 16 is a hardware configuration diagram of a computing device according to some embodiments of the present disclosure.

[0043] Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the attached drawings. The advantages and features of the present disclosure, and methods for achieving them, will become clear with reference to the embodiments described in detail below together with the attached drawings. However, the technical idea of ​​the present disclosure is not limited to the following embodiments and may be implemented in various different forms. The following embodiments are provided only to complete the technical idea of ​​the present disclosure and to fully inform those skilled in the art of the present disclosure of the scope of the present disclosure, and the technical idea of ​​the present disclosure is defined only by the scope of the claims.

[0044] In describing various embodiments of the present disclosure, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present disclosure, the detailed description will be omitted.

[0045] Unless otherwise defined, the terms (including technical and scientific terms) used in the following examples may be used with meanings commonly understood by those of ordinary skill in the art to which this disclosure pertains; however, this may vary depending on the intentions of engineers working in the relevant field, precedents, the emergence of new technologies, etc. The terminology used in this disclosure is for the purpose of describing the embodiments and is not intended to limit the scope of this disclosure.

[0046] In the following examples, singular expressions include plural concepts unless the context clearly specifies that they are singular. Furthermore, plural expressions include singular concepts unless the context clearly specifies that they are plural.

[0047] In addition, terms such as first, second, A, B, (a), (b), etc. used in the following embodiments are only used to distinguish certain components from other components, and the nature, order, or sequence of the components are not limited by the terms.

[0048] Hereinafter, various embodiments of the present disclosure will be described in detail with reference to the attached drawings.

[0049] FIG. 1 illustrates an exemplary environment in which a method for providing card benefit information according to some embodiments of the present disclosure may be performed.

[0050] As illustrated in FIG. 1, a method for providing card benefit information according to some embodiments of the present disclosure can be performed in an environment in which a service server (10) provides an online shopping service through a user terminal (20).

[0051] The service server (10) is a computing device / system that provides an online shopping service. For example, the service server (10) may provide users with a shopping service for various products through a web browser and / or an app. In one embodiment, the service server (10) may provide pages related to the online shopping service (e.g., a search result page (SRP), a single / search detail page (SDP), a checkout page, etc.) to the user terminal (20). That is, the service server (10) may transmit data of pages related to the online shopping service to the user terminal (20).

[0052] The data of the page related to the above online shopping service may be configured in the form of a web document based on HTML (HyperText Markup Language). Accordingly, the web browser installed on the user terminal (20) or the browsing module embedded in the application renders the data of the page related to the shopping service, thereby allowing the page related to the shopping service to be displayed on the display of the user terminal (20). In other words, the data of the page related to the shopping service may be any HTML-based data format that can be interpreted by the web browser or the browsing module embedded in the application.

[0053] In some embodiments, the service server (10) may receive a request from a user terminal (20) and, in response to the request received by the user terminal (20), provide a service page related to the received request. For example, the service server (10) may receive a search request for a keyword from the user terminal (20) and, in response to the search request, provide a search result page including information on one or more products associated with the keyword to the user terminal (20). In another example, the service server (10) may receive a request for detailed information on a first product from the user terminal (20) and, in response to the detailed information request, provide a detailed information page of the first product to the user terminal (20). In another example, the service server (10) may receive a purchase request for at least one product from the user terminal (20) and, in response to the purchase request, provide a payment page for at least one product to the user terminal (20).

[0054] In some embodiments, the service server (10) may obtain information about card benefits associated with a first product, and may use the information about card benefits to create a nudge object that effectively provides card benefit information and induces product purchase. A detailed description thereof will be provided below. For reference, in the following description, the nudge object refers to an area where card benefit information is displayed, and may be referred to as a first nudge object, a second nudge object, a third nudge object, etc., depending on the type of page on which the nudge object is displayed.

[0055] In some embodiments, the service server (10) may display a nudge object in an area of ​​a page related to a shopping service, and provide a page including the nudge object to the user terminal (20). For example, the service server (10) may display a first nudge object in an area indicating information about a first product on a search results page including information about one or more products, and provide the search results page including the first nudge object to the user terminal (20). In another example, the service server (10) may display a second nudge object in an area of ​​a detailed information page of the first product, and provide the detailed information page for the first product including the second nudge object to the user terminal (20). In yet another example, the service server (10) may display a third nudge object on a payment page for one or more products, and provide the payment page including the third nudge object to the user terminal (20).

[0056] The service server (10) may be implemented as at least one computing device. For example, all functions of the service server (10) may be implemented on a single computing device, or a first function of the service server (10) may be implemented on a first computing device and a second function may be implemented on a second computing device. Alternatively, specific functions of the service server (10) may be implemented on multiple computing devices. Refer to FIG. 16 for an example of such computing devices.

[0057] Next, the user terminal (20) is a computing device used by a user (i.e., a purchaser) to receive online shopping services. For example, a user can search for products and check information about them through a web browser or app installed on the user terminal (20). As illustrated in FIG. 1, the user terminal (200) may be implemented as various types of computing devices, such as a smartphone (20a), a desktop (20b), a laptop (20c), etc., but the scope of the present disclosure is not limited thereto. Refer to FIG. 16 for an example of such a computing device.

[0058] Meanwhile, as illustrated in FIG. 1, the service server (10) and the user terminal (20) can communicate via a network. Here, the network can be implemented as any type of wired / wireless network, such as a local area network (LAN), a wide area network (WAN), a mobile radio communication network, or Wibro (Wireless Broadband Internet).

[0059] So far, with reference to FIG. 1, we have described exemplary environments in which card benefit information provision methods according to some embodiments of the present disclosure can be performed. The embodiments described above will be further understood with reference to other embodiments described below. Furthermore, the technical concepts understood through the above-described embodiments may be reflected in other embodiments described below, even if not explicitly stated otherwise.

[0060] Hereinafter, a method for providing card benefit information according to some embodiments of the present disclosure will be described in detail with reference to the drawings below, including FIG. 2. For ease of understanding, the description will proceed assuming that the service server (10) plays a leading role. Accordingly, if the subject of a specific step / action is omitted, it can be understood that it is performed by the service server (10). However, even if the subject of a specific step / action is mentioned as the service server (10), the user terminal (20) may perform the step / action depending on the implementation method.

[0061] Figure 2 is a flowchart exemplifying a method for providing card benefit information according to another embodiment of the present disclosure. However, this is merely a preferred embodiment for achieving the objectives of the present disclosure, and it is understood that some steps may be added or deleted as needed. Furthermore, for convenience of explanation, the operating entities of each step may be omitted.

[0062] As illustrated in FIG. 2, the method for providing card benefit information according to the present embodiment begins with step S21 of receiving a search request for a keyword from a user terminal. Here, the keyword is something that a user (buyer) inputs into the user terminal (20) to request a search for a product being sold through an online shopping platform. The keyword may include, for example, the general name of the product, the manufacturer of the product, the model name, the category of the product, the brand name, the characteristics of the product (e.g., wireless, smart, portable), the season or event (e.g., Christmas gift, summer special price), etc. The user may input the keyword by inputting text corresponding to the keyword into a search box through the user terminal (20) or by selecting one of the keywords listed on the search request page, and the keyword input through the user terminal (20) may be transmitted to the service server (10).

[0063] Next, in step S22, information about one or more products associated with the keyword may be acquired. At this time, the one or more products may include the first product. The service server (10) can use information about multiple products stored in the database to identify one or more products associated with the keyword and acquire information about the one or more products. Here, the information about the one or more products may include images, names, price information, benefit information, delivery information, review information, and reward points information for each product. Note that the operations described below apply equally to each of the one or more products, but for convenience of explanation, the explanation will continue based on the first product.

[0064] Next, in step S23, information regarding card benefits associated with the first product may be obtained. Here, the card benefits associated with the first product may refer to a discount offered when paying for the first product with a specific card. Information regarding card benefits may include card company information, discount rate information, information regarding benefit application conditions (e.g., minimum purchase amount, benefit application period, etc.), and promotional information.

[0065] In one embodiment, information regarding multiple card benefits applicable to a first product may be obtained. For example, if both a first card benefit offered by a first card company and a second card benefit offered by a second card company are applicable to the first product, information regarding the first card benefit and information regarding a second card benefit that is different from the first card benefit may be obtained. In this case, the different card benefits may mean that the discount rates applied to the cards are different. In another example, some or all of the multiple card benefits applicable to the first product may provide the same benefit (i.e., the same discount rate).

[0066] Next, in step S24, the benefit amount with the card benefit applied to the first product can be calculated using information about the card benefit. Here, the benefit amount with the card benefit applied can be the final price with the benefit applied or the discount amount representing the difference between the base price (i.e., the base price of the product before the benefit is applied) and the final price with the benefit applied. For example, if a 10% card benefit is applied to a product with a base price of 100,000 won, the final price with the benefit applied may be 90,000 won, and the discount amount may be 10,000 won.

[0067] In one embodiment, the benefit amount applied to multiple card benefits associated with a first product may be calculated separately. For example, if both a first card benefit offered by a first card company and a second card benefit offered by a second card company are applicable to the first product, the first benefit amount applied to the first card benefit and the second benefit amount applied to the second card benefit may be calculated separately.

[0068] In one embodiment, the benefit amount for each group of cards providing the same benefit may be calculated. Specifically, cards providing the same benefit may be grouped using information on multiple card benefits to create a group, and the benefit amount for each group with the card benefits applied may be calculated. At this time, each group may include at least one card (company). For example, if card benefits (20% discount) provided by Card (company) A, card benefits (20% discount) provided by Card (company) B, and card benefits (15% discount) provided by Card (company) C can be applied to a first product, Cards A and B providing the same benefit may be grouped, and the benefit amount for the first group with the benefits of the first group including Cards A and B applied, and the benefit amount for the second group with the benefits of the second group including Card C applied, may be calculated, respectively. However, the present disclosure is not limited thereto, and the benefit amounts for each of the multiple card benefits may be calculated, and then the same benefit amounts may be grouped to classify the cards providing the same benefit into groups.

[0069] In one embodiment, a personalized benefit amount applied with card benefits provided by a card registered to a user terminal may be calculated. Here, the "card registered to the user terminal" may refer to a payment method previously saved by the user of the user terminal through an app or service. Specifically, it may be determined whether a card benefit provided by a card registered as a payment method on the user terminal exists for the first product. If a card benefit provided by the registered card exists, the personalized benefit amount applied with the card benefit provided by the registered card may be calculated.

[0070] Next, in step S25, a first nudge object can be created using information about the benefit amount.

[0071] In one embodiment, if multiple card benefits are applied to a first product, i.e., multiple benefit amounts are calculated, one of the multiple benefit amounts may be selected as the benefit amount to be displayed. For example, if a first benefit amount with the first card benefit applied and a second benefit amount with the second card benefit applied are each calculated according to the preceding operation, then based on the comparison result of the first benefit amount and the second benefit amount, either the first card benefit or the second card benefit may be selected as the benefit to be displayed. In this case, the card benefit that provides the largest benefit amount among the first card benefit and the second card benefit may be selected as the benefit to be displayed.

[0072] Additionally, a first nudge object may be generated that includes information about the benefit amount to which the displayed benefit is applied. Specifically, the first nudge object may include text indicating the benefit amount, wherein the benefit amount may be a discount amount indicating the difference between the final amount with the benefit applied or the base amount (i.e., the base price of the product before the benefit is applied) and the final amount with the benefit applied. In addition, if there are card benefits other than the displayed benefit, the first nudge object may further include an indicator (e.g., '~') indicating the presence of benefits other than the displayed benefit.

[0073] In one embodiment, when the benefit amount is calculated for each card group providing the same benefit, one of the card benefits in each group may be selected as the benefit to be displayed, and the first nudge object containing information about the benefit to be displayed may be generated. That is, based on the comparison result of the card benefit amounts for each group, the card benefit of the group providing the maximum benefit amount may be selected as the benefit to be displayed. At this time, the first nudge object may contain information about the cards included in the group associated with the benefit to be displayed. For example, if the card benefit of the first group including Card A and Card B is selected as the benefit to be displayed, the name of Card A and the name of Card B may be displayed.

[0074] In one embodiment, if a card benefit provided by a card registered to the user terminal for the first product exists, a first nudge object containing information about the individual benefit amount applied to the card benefit provided by the automatically registered card may be generated. The registered card may include a card set as the default payment method or a card other than the default payment method.

[0075] Next, in step S26, a search results page including a first nudge object may be provided to the user terminal. Specifically, the first nudge object may be displayed in an area indicating information about the first product on a search results page that includes information about one or more products associated with a keyword (e.g., images, names, price information, shipping information, review information, etc.). Accordingly, the user can easily check the products to which the card benefit applies and the corresponding benefit amount on the search results page.

[0076] Hereinafter, the method for providing card benefit information according to this embodiment will be described in more detail with reference to specific examples.

[0077] FIG. 3 is a diagram exemplarily showing a search results page that can be referenced in one embodiment of the present disclosure.

[0078] Fig. 3 illustrates an example of a search results page (30) provided to a user terminal when the keyword "laptop" is entered. The search results page (30) may include a keyword input area (31), an area displaying information on one or more products (e.g., laptop A, laptop B) associated with the keyword "laptop," and the like. Here, the area displaying product information may display an image of the product, the product name, price information, benefit information, delivery information, review information, and the like.

[0079] In FIG. 3, it can be seen that a first nudge object ('card discount price 1,237,800 won~') (33) including card benefit information is displayed in an area (32) displaying information about "A Notebook" (first product). Specifically, the first nudge object including information about the benefit amount may be displayed adjacent to the lower portion of an area (34) displaying price information. Accordingly, the user can easily check the basic price of the product and the price with the card benefit applied at a glance, and by clearly displaying the benefit amount, the user can intuitively understand the financial benefits that can be obtained through the card benefit and can be supported in selecting a better product.

[0080] Meanwhile, as previously explained, the information and display format included in the nudge object may vary depending on circumstances, such as when multiple card benefits apply to the first product, when there are cards offering the same benefit, or when the card registered by the user offers card benefits. This will be explained with reference to the examples in FIGS. 4 through 6.

[0081] First, referring to (a) of FIG. 4, it can be confirmed that the first nudge object (43a) displays information on the benefit amount in the form of a combination of a text phrase ('card discount price') indicating the card discount price and a text ('1,237,800 won') indicating the target benefit amount (i.e., the maximum benefit amount). In the case where there are benefits other than the target benefit to be displayed for the first product, as exemplified in (b) of FIG. 4, an indicator ('~') indicating that there are benefits other than the target benefit to be displayed may be further displayed in the first nudge object (43b).

[0082] Next, referring to FIG. 5, if the card benefit of the group providing the maximum benefit amount is selected as the benefit to be displayed based on the comparison result of the card benefit amounts of each group providing the same benefit, the first nudge object (53a, 53b, 53c) may include card information included in the group associated with the benefit to be displayed. For example, information on the benefit amount may be displayed in the form of a combination of text indicating the card name and text indicating the benefit amount of the corresponding group, such as “AA card 1,237,800 won”, “AA, BB cards 1,237,800 won”, “AA, BB, CC cards 1,237,800 won”, etc. In this case, as in the previous example, if there is a benefit other than the displayed benefit (the benefit to be displayed), that is, if there is a group providing another benefit, an indicator ('~') indicating the existence of a benefit other than the benefit to be displayed may be additionally displayed. Additionally, considering the limited display area of ​​the first nudge object, if the number of cards offering the same benefit exceeds a threshold (e.g., three or more), card information may not be displayed. In this case, as in the previous example, a text message indicating the card discount price ("Card Discount Price") may be displayed.

[0083] Next, Fig. 6 exemplarily shows a first nudge object generated by considering information of a card registered in a user terminal. As illustrated in Fig. 6, if the card benefit of the AA card can be applied to "A notebook" and the AA card is registered in the user terminal, a nudge object including information on the benefit amount to which the card benefit of the AA card is applied can be generated (displayed). In this case, unlike the previous examples, the first nudge object (63) can be displayed in an area displaying price information. Specifically, a nudge object (63) including a text phrase informing that the card benefit is by a registered card ('My card discount price'), card information ('AA'), a discount rate ('30%'), and a base price ('2,211,000 won'), along with the benefit amount to which the card benefit of the AA card is applied ('1,237,800 won') can be displayed in an area displaying price information. This is to induce product purchases by providing (displaying) information on card benefits more intuitively, as it is clear that users can receive financial benefits according to card benefits when providing card benefit information for registered cards.

[0084] So far, with reference to FIGS. 2 through 6, embodiments of providing a nudge object containing card benefit information on a search results page have been described in detail. As described above, by displaying a nudge object containing information on the benefit amount to which a card benefit is applied on a search results page, users can more effectively recognize and confirm the financial benefits associated with the card benefit, thereby significantly improving user satisfaction.

[0085] Next, with reference to the drawings below in FIG. 7, an embodiment of providing a nudge object including card benefit information on a detailed information page is described.

[0086] Figure 7 is a flowchart exemplifying a method for providing card benefit information according to another embodiment of the present disclosure. However, this is merely a preferred embodiment for achieving the objectives of the present disclosure, and it is understood that some steps may be added or deleted as needed. Furthermore, for convenience of explanation, the description of the operating entities of each step may be omitted. Furthermore, the contents described in the previous embodiments may also be applied to the present embodiment, and for convenience of explanation, the contents described in the previous embodiments may be omitted.

[0087] Referring to FIG. 7, a method for providing card benefit information according to another embodiment of the present disclosure begins with step S71, which receives a request for detailed information on a first product from a user terminal. The user can select one or more products (the first product) displayed on a search results page via the user terminal, and the user terminal (20) can transmit a request for detailed information on the first product to the service server (10).

[0088] Next, in step S72, information on one or more card benefits associated with the first product can be acquired, and in step S73, using the information on one or more card benefits, a benefit amount to which each of the one or more card benefits is applied for the first product can be calculated. Here, the benefit amount to which the card benefit is applied may be a discount amount representing the difference between the final amount to which the benefit is applied or the base amount (i.e., the base price of the product before the benefit is applied) and the final amount to which the benefit is applied. In this regard, reference is made to the contents described with reference to FIG. 2. That is, the description related to the benefit amount to which multiple card benefits are applied, the description related to the benefit amount by card group providing the same benefit, and the description related to the individual benefit amount to which card benefits provided by a card registered in a user terminal are applied, as described in FIG. 2, may also be applied to this embodiment.

[0089] Next, in step S74, a second nudge object may be created using information about the benefit amount, and in step S75, the second nudge object may be displayed on the detailed information page for the first product. This will be described in more detail with reference to specific examples.

[0090] FIG. 8 is a drawing exemplarily showing a detailed information page that can be referenced in one embodiment of the present disclosure.

[0091] As illustrated in FIG. 8, the detailed information page (80) may include a summary information display area (81) such as an image or product name, an option information display area (82), a price information display area (83), a benefit information display area (84), etc. The benefit information display area (84) may include (display) a second nudge object (85) according to the present embodiment.

[0092] Hereinafter, the second nudge object will be described in more detail with reference to FIGS. 9 and 10.

[0093] FIG. 9 illustrates an example of a benefit information display area including a second nudge object according to one embodiment of the present disclosure.

[0094] As illustrated in FIG. 9, the second nudge object (85a) displayed in the benefit information display area (84) may be displayed in a folded state, and only some of the card benefits associated with the first product may be displayed on the second nudge object (85a) in the folded state. Specifically, only information on the card benefit that provides the maximum benefit amount among the card benefits associated with the first product may be included (displayed). For example, the second nudge object (85a) may include a text phrase indicating that it is card discount information ('card discount') and text indicating the maximum benefit amount ('1,237,800 won'). In addition, if there is an applicable benefit amount other than the maximum benefit amount for the first product, an indicator ('~') indicating such information may be further included.

[0095] In addition, the second nudge object (85a) may further include an indicator (e.g., a downward arrow indicator) for changing the display state, and when a user input for selecting an indicator for changing the display state of the second nudge object is received, the second nudge object (85b) may be displayed by changing to an expanded state. When the second nudge object (85b) is displayed in an expanded state, all information on card benefits associated with the first product may be displayed. Specifically, information on the benefit amount applied to each card benefit associated with the first product may be displayed at the bottom of an area that displays a text phrase ('card discount') indicating that it is card discount information and a text ('1,237,800 won') indicating the maximum benefit amount. At this time, information on the benefit amount for each group that provides the same benefit may be displayed.

[0096] Additionally, the second nudge object (80b) in the expanded state may further include a button linked to a card benefit page that displays detailed information about one or more card benefits. When a user input selecting the button is received, the card benefit page (90) may be provided in response to the user input selecting the button. The card benefit page (90) may include card company information, discount rate information, information on benefit application conditions (e.g., minimum purchase amount, benefit application period, etc.), promotional information, etc. for each of the one or more card benefits.

[0097] Meanwhile, in the example of FIG. 9, the information on the benefit amount included in the second nudge object is described as being displayed as text indicating the final amount with the benefit applied. However, as illustrated in FIG. 10, it may also be displayed as text indicating a discount amount representing the difference between the base amount (i.e., the base price of the product before the benefit is applied) and the final amount with the benefit applied. In this case, the second nudge object (105a) may be displayed in a collapsed state in the benefit information display area (104), and when a user input is received that selects an indicator for changing the display state of the second nudge object (105a), the second nudge object (105b) may be changed to an expanded state and displayed. In addition, the second nudge object (105b) in the expanded state may further include a button linked to a card benefit page that displays detailed information on one or more card benefits.

[0098] In the examples shown in FIGS. 9 and 10, it is described that the second nudge object is initially displayed in a folded state and then changed to an unfolded state when user input is received. However, conversely, it is also possible to implement a form in which the second nudge object is initially displayed in an unfolded state and then changed to a folded state according to user input.

[0099] Meanwhile, there may be cases where a user does not possess a card offering card benefits for the first product, or is unaware of the card even though they possess one. Therefore, in this embodiment, a nudge object can be created (displayed) using information about card benefits associated with a card registered as a payment method on the user terminal. A variation that takes into account card information registered as a payment method on the user terminal is described with reference to FIGS. 11 and 12.

[0100] Fig. 11 illustrates a detailed information page according to a modified example of the present embodiment.

[0101] Referring to FIG. 11, if there is a card benefit provided by a card registered as a payment method in a user terminal for a first product, a second nudge object (113a) including information on an individual benefit amount to which the card benefit provided by the registered card is applied may be displayed. In this case, unlike the previous example, the nudge object (113a) may be displayed in the price information display area (113). Specifically, a nudge object (113a) including a text phrase informing that it is a card benefit by a registered card ('My card discount price'), card information ('AA'), and a benefit amount to which the card benefit of the AA card is applied ('1,237,800 won') may be displayed in the price information display area (113). At this time, an object (113b) including a phrase informing that the registered card is a default card registered as a default payment method may be further displayed.

[0102] In addition, in this example, the benefit information display area (114) may display a nudge object (115) of the form described in the previous example. However, the present disclosure is not limited thereto, and a second nudge object including information on the individual benefit amount may be displayed in the benefit information display area. Specifically, as illustrated in FIG. 12, a nudge object (125) including a text phrase ('When paying with your AA card') informing that it is a card benefit by a registered card and a benefit amount ('KRW 1,237,800') to which the card benefit of the AA card is applied may be displayed in the benefit information display area (124).

[0103] An embodiment in which a second nudge object including card benefit information is provided on a detailed information page has been described in detail with reference to FIGS. 7 to 12 . As described above, by displaying a second nudge object including information about card benefits associated with a first product within the detailed information page of the first product, the financial benefits associated with the card benefits applied to the first product can be more intuitively confirmed and understood.

[0104] Next, with reference to the drawings below in FIG. 13, an embodiment of providing a nudge object including card benefit information on a payment page is described.

[0105] Figure 13 is a flowchart exemplifying a method for providing card benefit information according to another embodiment of the present disclosure. However, this is merely a preferred embodiment for achieving the objectives of the present disclosure, and it is understood that some steps may be added or deleted as needed. Furthermore, for convenience of explanation, the description of the operating entities of each step may be omitted. Furthermore, the contents described in the previous embodiments may also be applied to the present embodiment, and for convenience of explanation, the contents described in the previous embodiments may be omitted.

[0106] Referring to FIG. 13, a method for providing card benefit information according to another embodiment of the present disclosure begins with step S131, which receives a purchase request for a first product from a user terminal. For example, if a user clicks a purchase button on a shopping cart page or a product detail page, the user terminal (20) may transmit a purchase request to the service server (10).

[0107] Next, in step S132, information regarding multiple cards registered as payment methods on the user's terminal can be acquired. The service server (10) can use the user account information of the user's terminal to acquire information regarding multiple cards registered as payment methods on the user's terminal. Here, the cards registered as payment methods on the user's terminal refer to cards that the user of the user's terminal has previously saved through an app or service, and may include a default card set as the default payment method and other cards other than the default card.

[0108] Next, in step S133, card benefit information associated with the plurality of registered cards applicable to the first product can be acquired, and in step S134, the benefit amount for each of the plurality of registered cards can be calculated using the information about the card benefits. For example, if Card A (the default card) and Card B are registered to the user terminal, and Card A does not provide a benefit for the first product, while Card B provides a 10% discount benefit, the benefit amount for Card A may be 0 won, and the benefit amount for Card B may be the amount with the 10% discount benefit applied.

[0109] Next, in step S134, whether or not to display a third nudge object may be determined using the information regarding the benefit amount. Specifically, if the benefit amount of the primary card is compared with the benefit amounts of the remaining cards, and if the benefit amount of any of the remaining cards is less than that of the primary card, the third nudge object may be determined to be displayed. In other words, if there is a card among the remaining cards that provides benefits more advantageous to the user than the primary card, the third nudge object may be determined to be displayed.

[0110] Next, in step S135, in response to determining that the third nudge object is displayed, a payment page for the first product including the third nudge object may be provided to the user terminal. This will be described in more detail with reference to specific examples.

[0111] FIG. 14a and FIG. 14b are diagrams exemplarily showing a payment page that can be referenced in one embodiment of the present disclosure.

[0112] As illustrated in FIG. 14a, the payment page (140) for the first product may include an area (141a) displaying a payment method and an area (145a) displaying final payment amount information. In the area (141a) displaying the payment method, a third nudge object may be displayed together with card information set as the default payment method. Specifically, if the benefit amount for the AA card registered as the default payment method is less than the benefit amount for the BB card, which is one of the remaining cards, it may be determined that the third nudge object is displayed, and as illustrated in FIG. 14a, the third nudge object (143) may be displayed in the lower area (first area) of the area displaying information about the default card (AA card).

[0113] More specifically, the third nudge object (143) may include (display) information about a card (BB card) that provides more advantageous benefits than the basic card, and amount information ('additional discount of KRW 300,000') indicating the difference between the benefit amount of the card (BB card) that provides more advantageous benefits and the benefit amount of the AA card registered as the basic payment method. At this time, a selection interface may be provided for selecting the card (BB card) that provides more advantageous benefits, and when a user input for selecting the selection interface is received, the payment method may be changed to the card (BB card) that provides more advantageous benefits, as illustrated in FIG. 14b (see 141b). In addition, the final payment amount information may be automatically updated as the payment method is changed (145b).

[0114] FIGS. 15a and 15b are drawings showing variations of the payment page illustrated in FIGS. 14a and 14b.

[0115] Referring to FIG. 15a, similar to the payment page illustrated in FIG. 14a, the payment page (150) for the first product may include an area (151a) for displaying a payment method and an area (155a) for displaying final payment amount information. However, unlike the example in FIG. 14a, a third nudge object (153) may be displayed in the area (155a) for displaying final payment amount information. Specifically, if the benefit amount for the AA card registered as the primary payment method is less than the benefit amount for the BB card, which is one of the remaining cards, it may be determined that the third nudge object is displayed, and the third nudge object (153) may be displayed in the area (second area) below the text indicating the final payment amount in the area (155a) for displaying final payment amount information.

[0116] More specifically, the third nudge object (153) may include information about a card (BB card) that provides more advantageous benefits than the basic card, and text indicating information about the benefit amount for the card (BB card) that provides more advantageous benefits ('1,200,000 won when paying with BB card'). At this time, a selection interface for selecting the card (BB card) that provides more advantageous benefits may be provided, and when a user input for selecting the selection interface is received, as illustrated in FIG. 15b, the payment method may be changed to the card (BB card) that provides more advantageous benefits, and information about the card (BB card) that provides more advantageous benefits may be displayed in the area (151b) that displays the payment method. In addition, as the payment method is changed, the area (155b) that displays final payment amount information may automatically update and display final payment amount information that reflects the payment amount when paying with the card (BB card) that provides more advantageous benefits, and the third nudge object may be removed.

[0117] Referring to FIGS. 13 to 15, an embodiment in which a nudge object including card benefit information is provided on a payment page has been described in detail. As described above, by displaying a third nudge object including benefit information for a card among the user's registered cards that offers more advantageous benefits than the primary card on the payment page, the user can be supported in selecting a better payment method.

[0118] FIG. 16 is a hardware configuration diagram of a computing device according to some embodiments of the present disclosure.

[0119] Referring to FIG. 16, a computing device (1000) may include one or more processors (1100), a bus (1600), a communication interface (1200), a memory (1400) for loading a computer program executed by the processor (1100), and a storage (1300) for storing a computer program (1500). However, only components related to the embodiment of the present disclosure are illustrated in FIG. 16. Therefore, a person skilled in the art to which the present disclosure pertains will appreciate that other general components may be included in addition to the components illustrated in FIG. 16. That is, the computing device (1000) may further include various components in addition to the components illustrated in FIG. 16. In addition, in some cases, the computing device (1000) may be configured in a form in which some of the components illustrated in FIG. 9 are omitted. Hereinafter, each component of the computing device (1000) will be described.

[0120] The processor (1100) can control the overall operation of each component of the computing device (1000). The processor (1100) can be configured to include at least one of a Central Processing Unit (CPU), a Micro Processor Unit (MPU), a Micro Controller Unit (MCU), a Graphics Processing Unit (GPU), or any other type of processor well known in the art of the present disclosure. In addition, the processor (1100) can perform operations for at least one application or program for executing operations / methods according to embodiments of the present disclosure. The computing device (1000) can include one or more processors.

[0121] Next, the memory (1400) can store various data, commands, and / or information. The memory (1400) can load a computer program (1500) from the storage (1300) to execute operations / methods according to embodiments of the present disclosure. The memory (1400) may be implemented as a volatile memory such as RAM, but the present disclosure is not limited thereto.

[0122] Next, the bus (1600) can provide communication functions between components of the computing device (1000). The bus (1600) can be implemented as various types of buses, such as an address bus, a data bus, and a control bus.

[0123] Next, the communication interface (1200) can support wired and wireless Internet communication of the computing device (1000). Furthermore, the communication interface (1200) can also support various communication methods other than Internet communication. To this end, the communication interface (1200) can be configured to include a communication module well known in the technical field of the present disclosure.

[0124] Next, the storage (1300) can non-temporarily store one or more computer programs (1500). The storage (1300) can be configured to include non-volatile memory such as Read Only Memory (ROM), Erasable Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), flash memory, a hard disk, a removable disk, or any form of computer-readable recording medium well known in the art to which the present disclosure pertains.

[0125] Next, the computer program (1500) may include one or more instructions that, when loaded into the memory (1400), cause the processor (1100) to perform operations / methods according to various embodiments of the present disclosure. That is, the processor (1100) may perform operations / methods according to various embodiments of the present disclosure by executing the one or more loaded instructions.

[0126] For example, the computer program (1500) may include instructions for performing an operation of receiving a search request for a keyword from a user terminal, an operation of obtaining information on one or more products associated with the keyword, wherein the one or more products include a first product, an operation of obtaining information on a card benefit associated with the first product, an operation of calculating a benefit amount to which the card benefit is applied for the first product using the information on the card benefit, an operation of creating a first nudge object using the information on the benefit amount, and an operation of providing a search result page including the first nudge object to the user terminal.

[0127] In another example, the computer program (1500) may include instructions to perform an operation of receiving a request for detailed information on a first product from a user terminal, an operation of obtaining information on one or more card benefits associated with the first product, an operation of calculating a benefit amount to which each of the one or more card benefits is applied for the first product using the information on the one or more card benefits, an operation of generating a second nudge object based on the information on the benefit amount, and an operation of displaying the second nudge object on a detailed information page for the first product.

[0128] In another example, the computer program (1500) may include instructions to perform an operation of receiving a purchase request for a first product from a user's terminal, an operation of obtaining information about a plurality of cards registered as a payment method on the user's terminal, an operation of obtaining card benefit information associated with the plurality of registered cards applicable to the first product, an operation of calculating a benefit amount for each of the plurality of registered cards using the information about the card benefits, an operation of determining whether to display a third nudge object using the information about the benefit amount, and an operation of providing a payment page for the first product including the third nudge object to the user terminal in response to determining to display the third nudge object.

[0129] Various embodiments of the present disclosure and the effects thereof have been described with reference to FIGS. 1 through 16. The effects of the technical concept of the present disclosure are not limited to the effects described above, and other effects not mentioned will be readily apparent to those skilled in the art from the description below.

[0130] Furthermore, even though the above embodiments have described multiple components as being combined or operating in combination, the technical concept of the present disclosure is not necessarily limited to these embodiments. That is, within the scope of the technical concept of the present disclosure, all of the components may be selectively combined and operated one or more times.

[0131] The technical concepts of the present disclosure described so far can be implemented as computer-readable code on a computer-readable recording medium. A computer program recorded on the computer-readable recording medium can be transmitted to another computing device via a network such as the Internet, installed on the device, and used therein.

[0132] Although the operations are depicted in a specific order in the drawings, it should not be understood that the operations must be performed in the specific order depicted, or in a sequential order, or that all depicted operations must be performed to achieve the desired result. In certain circumstances, multitasking and parallel processing may be advantageous. Although various embodiments of the present disclosure have been described above with reference to the attached drawings, those skilled in the art to which the present disclosure pertains will understand that the technical concepts of the present disclosure can be implemented in other specific forms without changing the technical concepts or essential characteristics thereof. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. The scope of protection of the present disclosure should be interpreted by the claims below, and all technical ideas within a scope equivalent thereto should be interpreted as being included in the scope of the technical ideas defined by the present disclosure.

Claims

1. In a method performed on one or more computing devices, A step of receiving a search request for a keyword from a user terminal; A step of obtaining information about one or more products associated with the above keyword, wherein the one or more products include a first product; A step of obtaining information on card benefits associated with the above first product; A step of calculating a benefit amount to which the card benefit is applied for the first product using information about the card benefit; A step of creating a first nudge object using information about the above benefit amount; and A step of providing a search result page including the first nudge object to the user terminal; including, How to provide card benefit information.

2. In paragraph 1, The steps to obtain information about the above card benefits are: Steps to obtain information on the benefits of the first card; and Including a step of obtaining information on a second card benefit that is different from the first card benefit, The steps for calculating the above benefit amount are: A step of calculating the first benefit amount to which the first card benefit is applied; and Comprising a step of calculating the second benefit amount to which the second card benefit is applied, How to provide card benefit information.

3. In paragraph 2, The step of creating the first nudge object is: A step of comparing the first benefit amount and the second benefit amount; A step of selecting one of the first card benefit and the second card benefit as the display target benefit based on the comparison result; and A step of generating the first nudge object including information on the benefit amount to which the above display target benefit is applied, How to provide card benefit information.

4. In paragraph 3, The first nudge object includes an indicator indicating that there is a card benefit other than the displayed benefit. How to provide card benefit information.

5. In paragraph 1, The steps for calculating the above benefit amount are: A step of creating a group by grouping cards that provide the same benefits; and Comprising a step of calculating the group benefit amount to which each card benefit of the above-mentioned group is applied, How to provide card benefit information.

6. In paragraph 5, The step of creating the first nudge object is: A step of comparing the benefit amounts by group; A step of selecting one of the card benefits of each group as a display target benefit based on the comparison result; and A step of generating the first nudge object including information on the benefit amount to which the above display target benefit is applied, How to provide card benefit information.

7. In paragraph 6, The first nudge object includes card information included in a group associated with the display target benefit. How to provide card benefit information.

8. In paragraph 1, The steps for calculating the above benefit amount are: A step of determining whether there are card benefits provided by a card registered as a payment method in the user terminal; and If there is a card benefit provided by the registered card above, a step of calculating the individual benefit amount to which the card benefit provided by the registered card above is applied is included. The step of creating the first nudge object is: A step of generating the first nudge object including information on the individual benefit amount, How to provide card benefit information.

9. In a method performed on one or more computing devices, A step of receiving a request for detailed information on a first product from a user terminal; A step of obtaining information on one or more card benefits associated with the first product; A step of calculating a benefit amount to which each of the one or more card benefits is applied for the first product using information about the one or more card benefits; A step of creating a second nudge object based on information about the above benefit amount; and Including a step of displaying the second nudge object on the detailed information page for the first product, How to provide card benefit information.

10. In paragraph 9, The above second nudge object is displayed in a folded state, The second nudge object in the above folded state includes information about the maximum benefit amount applicable to the first product. How to provide card benefit information.

11. In paragraph 10, The step of displaying the second nudge object is: If a user input for changing the display state of the second nudge object is received, the step of changing the second nudge object to an expanded state and displaying it further includes; The second nudge object in the expanded state includes information about the benefit amount to which each of the one or more card benefits is applied. How to provide card benefit information.

12. In paragraph 11, The second nudge object in the expanded state includes a button linked to a card benefit page that displays detailed information about one or more card benefits, In response to a user input selecting the above button, further comprising the step of providing the card benefits page. How to provide card benefit information.

13. In paragraph 9, The step of creating the second nudge object is: A step of determining whether there are card benefits provided by a card registered as a payment method in the user terminal; and If there is a card benefit provided by the registered card, a step of generating a second nudge object including an individual benefit amount to which the card benefit provided by the registered card is applied is included. How to provide card benefit information.

14. In a method performed on one or more computing devices, A step of receiving a purchase request for a first product from a user's terminal; A step of obtaining information about multiple cards registered as a payment method on the user's terminal; A step of obtaining card benefit information associated with the plurality of registered cards applicable to the first product; A step of calculating a benefit amount for each of the registered multiple cards using information on the card benefits; A step of determining whether to display a third nudge object using information about the above benefit amount; and A step of providing a payment page for the first product including the third nudge object to the user terminal in response to determining that the third nudge object is displayed; Including How to provide card benefit information.

15. In paragraph 14, The above registered multiple cards include the default card set as the default payment method, The step of determining whether to display the third nudge object is as follows: A step of comparing the benefit amount of the basic card with the benefit amounts of the remaining cards; and Including a step of determining to display the third nudge object if the benefit amount of any one of the remaining cards is less than the benefit amount of the basic card as a result of the comparison. How to provide card benefit information.

16. Processor; and Contains memory that stores instructions, The above instructions, when executed by the processor, cause the processor to: An action of receiving a search request for a keyword from a user terminal; An operation of obtaining information about one or more products associated with the above keyword, wherein the one or more products include a first product; An action of obtaining information about card benefits associated with the above first product; An action of calculating the benefit amount to which the card benefit is applied for the first product using information about the card benefit; An action of creating a first nudge object using information about the above benefit amount; and To perform an action of providing a search result page including the first nudge object to the user terminal, computing devices 17. Processor; and Contains memory that stores instructions, The above instructions, when executed by the processor, cause the processor to: An action of receiving a request for detailed information about a first product from a user terminal; An action of obtaining information about one or more card benefits associated with the first product; An operation of calculating a benefit amount to which each of the one or more card benefits is applied for the first product using information about the one or more card benefits; An action of creating a second nudge object based on information about the above benefit amount; and To perform an action of displaying the second nudge object on the detailed information page for the first product. Computing device.

18. Processor; and Contains memory that stores instructions, The above instructions, when executed by the processor, cause the processor to: An action of receiving a purchase request for a first product from a user's terminal; An action of obtaining information about multiple cards registered as a payment method on the user's terminal; An action of obtaining card benefit information associated with the plurality of registered cards applicable to the first product; An action of calculating a benefit amount for each of the registered multiple cards using information about the card benefits; An action to determine whether to display a third nudge object using information about the above benefit amount; and In response to determining that the third nudge object is displayed, an action is performed to provide the user terminal with a payment page for the first product including the third nudge object. Computing device.

Images