KR100983478B1 - Method and system for making housekeeping account book using messaging service of mobile terminal - Google Patents

Abstract

The present invention relates to a method and a system for creating an account book using a message service of a mobile terminal, and more particularly, to a method and system for analyzing a payment history using a message transmitted to a mobile terminal and using the same. It is about.

In a method of creating an account book using a message service of a mobile terminal, receiving a message data received by a mobile terminal, analyzing text of the received message data, extracting information to be input into an account book field, and extracting the extracted information into a corresponding field. And creating an accounting unit in a wired or wirelessly accessible space by inputting to the terminal and providing an editing function of the accounting unit to a mobile terminal or a computer connected via a wired or wireless connection.

Mobile terminal, message, account book making

Description

Method and system for creating account book using message service of mobile terminal {METHOD AND SYSTEM FOR MAKING HOUSEKEEPING ACCOUNT BOOK USING MESSAGING SERVICE OF MOBILE TERMINAL}

The present invention relates to a method and system for creating an account book using a message service of a mobile terminal, and more particularly, to analyze a payment history using a message transmitted to a mobile terminal, and to create an account book using the same. And to the system.

With the recent development of mobile communication and mobile terminal technology, mobile terminals, especially mobile phones, perform various functions other than voice communication. The most frequently used function is text message communication such as SMS (short messaging service) or MMS (multimedia messaging service).

Such text messages are widely used for communication between mobile terminals, and in addition, specific organizations or companies are used to inform various types of information to customers.

In particular, with the recent increase in the use of credit cards, credit card service companies are providing a service for sending a text message to a mobile phone number of a predetermined mobile phone by using a credit card.

As a result, the user can immediately know the result of the payment due to the credit card each time the credit card is used.

In recent years, the use of check cards or cash cards in addition to credit cards is increasing. Unlike a credit card, a check card or cash card is settled in such a way that the user's cash is immediately spent, and, like a credit card, the payment result is sent to the user's mobile phone via text message.

In addition, a representative bank among financial service providers also has a service for transmitting a deposit and withdrawal account, a deposit and withdrawal amount, a balance, etc. to a user's mobile phone, according to a setting, when there is a deposit and withdrawal history in a user's account.

As such, the user can check the transaction result and the deposit and withdrawal history of the bank account through the message transfer service.

However, the user can only know the payment details and results through such a message transmission service, and there has been a problem in that the user has to recalculate and clean up again in order to clean up the payment details.

Korean Patent Laid-Open No. 2006-0043970 discloses a mobile communication terminal for extracting and arranging credit card payment details through an SMS message. In the related art, the accounting unit is cleaned up in the terminal, and the accounting unit is stored in a memory in the terminal so that the user can check the payment status through the terminal.

However, in addition to the expenditure and income that can be checked through the SMS, there may be other entries in the account book, and according to the related art, an expense history that cannot be checked through the SMS may not be reflected in the account book of the mobile terminal device. do.

In addition, in the related art, since payment details are stored in the mobile terminal device, there is a problem in that an inconvenient interface of the mobile terminal should be used when processing them.

According to an embodiment of the present invention, a bill is generated by automatically arranging payment history of a user's credit card and a bank account, and a bank account through a message received by the user's mobile terminal, and the household is created as well as the mobile terminal. The present invention provides a method and system for creating an account book using a message service of a mobile terminal that can be checked and edited online.

As a technical means for achieving the above-described technical problem, the first aspect of the present invention is to receive the message data received by the mobile terminal, to analyze the text of the received message data to extract information to be entered in the account book field A step of creating an account book in a wired or wirelessly accessible space by inputting the extracted information into a corresponding field; and providing an editing function of the account book to a mobile terminal or a computer connected via a wired or wireless connection. Provides a method of creating an account book using a message service of the terminal.

In a first aspect of the present invention, if the total sum of the expenses of the household account exceeds a predetermined amount, the method may further include transmitting a notification message to the mobile terminal.

In addition, a second aspect of the present invention is a data transceiver for receiving message data received by a mobile terminal, a data analysis unit for extracting payment history information included in the message data, and the extracted payment history information corresponding fields of the household unit An account book creation unit for inputting to the database and a database storing the message data and the account book, wherein the account book is provided to and displayed on a computer connected by the Internet by the data transceiver; Provided is an account book making system using a message service of a mobile terminal capable of inputting import information.

According to the above-described problem solving means of the present invention, the expenditure history or deposit and withdrawal details of the bank account is automatically reflected in the household through the message sent to the mobile terminal, the user is an account book that reflects the expenditure or withdrawal details through the mobile terminal and the client Can be checked and edited.

In addition, according to the above-described problem solving means of the present invention, if the sum of the expenditure amount exceeds the predetermined amount, a notification message is sent to the user can be confirmed by the user.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components unless otherwise stated.

1 is a diagram schematically illustrating a system for creating an account book using a message service of a mobile terminal according to an embodiment of the present invention.

The mobile terminal 100 receives a message from the message providing servers 100-1 to 100-3 and transmits the received message to the service providing server 200. The message received by the mobile terminal 100 may include deposit and withdrawal details of a pre-registered bank account, credit card payment details, payment details using a mobile terminal, online payment details, and the like.

In addition, the message received by the mobile terminal 100 may include a short messaging service (SMS) or a multimedia messaging service (MMS).

The service providing server 200 receives a message from the mobile terminal 100, and analyzes data of the received message to determine deposit and withdrawal details and payment details. The service providing server 200 creates an account book using the identified details.

The service providing server 200 receives a request for account book data from the mobile terminal 100 or the computer 300, and provides the requested account book data to the mobile terminal 100 or the computer 300.

The mobile terminal 100 or the computer 300 requests the account book data to the service providing server 200 and displays the provided account book data so that the user can view it. The computer 300 accesses the service providing server 200 through the Internet, for example, receives and displays account book data in a web environment, and the mobile terminal 100 transmits to the service providing server 200 through wireless communication. The account book data can be received and displayed using a WAP (wireless application protocol) browser or an application.

In addition, the mobile terminal 100 or the computer 300 may provide a user with a means for editing the account book data. Using such editing means, the mobile terminal 100 or the computer 300 generates the correction data and uploads the generated correction data to the service providing server 200.

The service providing server 300 updates existing account book data by reflecting the revised data received from the mobile terminal 100 or the computer 300 in the account book data, and stores the updated book.

2 is a signal flow diagram illustrating a flow of a method of creating an account book using a message service of a mobile terminal according to an embodiment of the present invention.

In step S105, the mobile terminal 100 receives a message from a message providing server (not shown). The message received by the mobile terminal 100 may include SMS or MMS, and may include contents such as deposit and withdrawal details of a pre-registered bank account, credit card payment details, payment details using a mobile terminal or online payment details. have.

In step S110, the mobile terminal 100 uploads the received message to the service providing server 200. The data transmitted from the mobile terminal 100 to the service providing server 200 may include the message received in step S105 and may further include information on the mobile terminal and the user.

In step S115, the service providing server 200 analyzes message data included in data received from the mobile terminal 100. The service providing server 200 analyzes the text included in the message data to classify the payment related message and grasp the payment details.

For example, the service providing server 200 may classify and analyze the payment related message through text analysis of the message data. In addition, the service providing server 200 may classify the payment related message by analyzing the calling number generated by generating the message data.

The calling number may be a number previously designated by the user, but may be a number registered in advance by the service providing server 200. In other words, the service providing server 200 may store the unique calling numbers of various card companies and banks in advance, and then classify the message data using the same.

The payment related message may include information corresponding to the date of use of the card, the place of use, the amount, and the card company. Accordingly, the service providing server 200 may determine whether the received message data includes such information, classify and analyze the payment related message, and input the analyzed information into each field of the account book. The account book data may include fields such as date, place of use, amount of money, and credit card company.

In addition, the payment related message may include not only payment details but also cancellation details, lump sum payment details, and installment details. In this case, the service providing server 200 also analyzes cancellation details and installment details to generate account book data.

For example, the message data received by the service providing server 200 may be "XX card March 11 13:12 Beijing store 38,000 won use". In this case, 'XX card' may be input in the card company field, and '03 / 11 13:12 'may be input in the date field. In addition, 'Beijing Spot' may be entered in the field of use and '38, 000 won 'in the amount field. Through such keyword analysis, the service providing server 200 may classify the payment related message.

As such, the service providing server 200 may classify payment related messages and analyze payment details through the above-described analysis. That is, the service providing server 200 may analyze the text included in the above-described field to analyze the use place, the amount, the card company, the bank and the date corresponding to the payment details. In addition, the service providing server 200 may analyze not only payment details but also cancellation or installment details through such an analysis.

In addition, the message data received by the service providing server 200 may include a calling number. In general, since the calling number is a unique number for each card company or bank that has sent the message data, the card company or bank that has sent the message data may be distinguished through the calling number.

In step S120, the service providing server 200 creates an account book using the payment details analyzed in step S115.

In step S125, it is determined whether the sum of the expenditure amounts calculated on the account book created in step S120 exceeds the preset amount. For example, when the preset amount is "1,000,000 won", it is determined whether the sum of the amount calculated as the spending amount in the household exceeds "1,000,000 won".

In this case, the sum of the expenditure amounts may be calculated based on a period preset by the user. For example, if the user sets the criteria for calculating the sum of the expenditure amounts to one day, it is determined whether the sum of the expenditure amounts for one day exceeds the preset criteria.

In step S130, when it is determined in step S125 that the sum of the expenditure amounts exceeds a preset amount, the service providing server 200 transmits a notification message to the mobile terminal 100. That is, the service providing server 200 transmits a message to the mobile terminal 100 informing that the sum of the expenditures of the account book making result exceeds the preset amount.

In step S135, the computer 300 accesses the service providing server 200 through the Internet and requests for account book data. The computer 300 may access the service providing server 200 through wired or wireless Internet and request household account data.

In step S140, the service providing server 200 provides the account book data created in step S120 to the computer 300 in response to the request of step S135. As described above, since the service providing server 200 and the computer 300 are connected through the Internet, the service providing server 200 may provide the account book to the computer 300 in a web environment through the Internet.

In step S145, the computer 300 displays the provided account book so that the user can view and edit the account book. The computer 300 may display the account book using a web browser or an application.

In addition, the computer 300 may provide a user with a means for editing the account book. Using such editing means, the computer 300 may generate correction data.

In operation S150, the computer 300 transmits the correction data generated in operation S145 to the service providing server 200.

In step S155, the service providing server 300 updates the previous account book by reflecting the correction data received from the computer 300 to the account book, and stores the updated book.

In the above-described embodiment of the present invention, the created account book is provided and displayed on the computer 300, and the account book is updated by the correction data generated by the computer 300. However, alternatively, the account book is provided to the mobile terminal 100 and displayed, and the modified data may be generated by the mobile terminal 100.

As such, when the accounting unit is displayed on the mobile terminal 100, the accounting unit may be provided to the mobile terminal 100 through wireless communication, and the mobile terminal may be provided through a wireless application protocol (WAP) browser or an application of the mobile terminal 100. 100).

3 is a block diagram illustrating a detailed configuration of a service providing server in an account book creation system using a message service of a mobile terminal according to an embodiment of the present invention.

The service providing server 200 according to an exemplary embodiment of the present invention includes a data transceiver 210, a data analyzer 220, an account book creator 230, and a database 240.

The data transceiver 210 receives message data from a mobile terminal (not shown) and transmits the received message data to the database 240. In addition, the data transmission and reception unit 210 receives the account book from the database 24 and provides it to a computer (not shown) or a mobile terminal (not shown). The data transmission / reception unit 210 receives correction data from a mobile terminal or a computer and transmits the correction data to the database 240.

In addition, the data transmission and reception unit 210 may transmit a notification message for exceeding the expenditure to the mobile terminal (not shown).

The transmission and reception of data with the mobile terminal (not shown) may be performed through wireless communication.

The data analyzer 220 receives message data from the data transceiver 210 and classifies a payment related message from the message data. In addition, the data analysis unit 220 analyzes a payment related message, extracts payment details, and transmits the extracted payment details to the account book preparing unit 230.

More specifically, the data analyzer 220 classifies the payment related message from the message data by analyzing the call number of the message or the text included in the message data. The data analyzer 220 analyzes the text of the classified payment related message again to analyze payment details such as a payment date, a use place, an amount used, and a card company.

The data analysis unit 220 may determine whether the total amount of the expenditure exceeds a predetermined amount through the analysis of payment details, and generate a notification message for this and transmit the generated notification message to the mobile terminal through the data transmission / reception unit 210. .

The account book preparing unit 230 creates an account book by using the payment details analyzed by the data analyzer 220. In addition, when correction data is received from the mobile terminal or the computer, the account book preparing unit 230 updates the account book by reflecting the correction data. The account book generator 230 transmits the created or updated account book to the database 240 and stores the account book.

The database 240 receives and stores message data, account book and modification data. In addition, the database 240 stores information necessary for providing a service, such as user information, mobile terminal information, keyword information, or a telephone number.

In addition, the database 240 provides an account book, correction data, user information, and the like, when a request is received from the data transceiver 210, the data analyzer 220, or the account book creator 230.

One embodiment of the present invention can also be implemented in the form of a recording medium containing instructions executable by a computer, such as a program module executed by the computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transmission mechanism, and includes any information delivery media.

While the methods and systems of the present invention have been described in connection with specific embodiments, some or all of those elements or operations may be implemented using a computer system having a general purpose hardware architecture.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention. Should be.

1 is a view schematically showing an account book creation system using a message service of a mobile terminal according to an embodiment of the present invention;

2 is a signal flow diagram illustrating a flow of a method of creating an account book using a message service of a mobile terminal according to an embodiment of the present invention;

3 is a block diagram illustrating a detailed configuration of a service providing server in an account book creation system using a message service of a mobile terminal according to an embodiment of the present invention.

Claims (12)

In the account book making method of the account book making system using the message service of the mobile terminal, (a) receiving, by the service providing server, the message data received by the mobile terminal from the mobile terminal, (b) the service providing server extracting account book information by analyzing the received message data; (c) generating, by the service providing server, account book data that can be viewed by wire or wirelessly based on the extracted account book information; (d) providing, by the service providing server, a function of editing the account book data to a mobile terminal or a computer connected through a wired or wireless connection; And (e) transmitting, by the service providing server, a notification message to the mobile terminal when the sum of expenditures of the account book data exceeds a preset amount; Including, After step (d), Receiving, by the service providing server, modified data of at least one of additional expenditure information and income information from the mobile terminal or computer; And The service providing server further comprises the step of updating the received correction data in response to the account book data. The method of claim 1, The message data may include at least one or more of the deposit and withdrawal history, credit card payment history, payment history using the mobile terminal and online payment history of the bank account registered in advance. The method of claim 1, Step (b) is (b1) classifying, by the service providing server, a payment related message from the received message data by using the text included in the message data or the calling number of the message data; (b2) determining, by the service providing server, a payment history by analyzing text included in the classified message; Including, And the text analysis is an analysis of at least one or more of a date, a place of use, an amount of use, and a card company included in the classified message. delete delete The method of claim 1, Wherein the account book data is provided to the mobile terminal and displayed by a wireless application protocol (WAP) browser or an application of the mobile terminal. In the account book making system using the message service of the mobile terminal, A data transmission / reception unit for receiving message data received by the mobile terminal from the mobile terminal; A data analyzer extracting payment history information included in the message data; An account book preparation unit for inputting the extracted payment history information into a corresponding field of an account book; Database for storing the message data and the account book Including, The account book creating unit is provided and displayed on a mobile terminal or a computer connected to the Internet through the data transmission and reception unit, and receives modified data of at least one of additional expenditure information and income information through the mobile terminal or computer to receive the received data. Update to reflect the account book, The data analysis unit generates a notification message when the sum of the amount of money spent on the payment history information exceeds a preset amount. The data transmitting and receiving unit account book creation system for transmitting the notification message to the mobile terminal. The method of claim 7, wherein The data analyzer extracts at least one keyword of a date, a place of use, an amount and a card company used in the message data, or a calling number of the message data, and extracts a payment related message using the extracted keyword or calling number. And classifying and extracting the payment details from the payment related message. The method of claim 8, Extraction of the payment history is performed by analyzing the text included in the payment-related message, wherein the text analysis is an analysis of at least one or more of the date, where used, used amount or card company included in the payment-related message. Account book filling system. delete delete delete

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