| 摘要 |
<p>The present invention relates to a system to recommend an optimum payment method capable of enabling purchase of a product or service at the lowest cost by making the best use of the payment methods which a user holds and at the same time reducing the recognition burden of the user to compare complicated benefit conditions and actual benefits of a plurality of payment methods which the user holds and a method to recommend an optimum payment method. More specifically, the present invention provides a system to recommend an optimum payment method which provides information about the combination of payment methods which has the biggest benefit by trying combination of a plurality of payment methods which a user holds. The system includes: a client application which is included in a client device, receives an input signal including information about a purchase target and information about a recommendation request for an optimum payment method from a user, stores basic information to execute an optimum payment method recommendation algorithm to determine the combination of payment methods which has the biggest benefit, and provides information about the result of the optimum payment method recommendation algorithm; and a server system which is linked with the client application and external institutions for data and executes the optimum payment method recommendation algorithm based on the input signal and basic information. The optimum payment method recommendation algorithm determines the result based on product design information and history information of each payment method.</p> |
