CN1797455A - Family account book output device and method in mobile information terminal - Google Patents
Family account book output device and method in mobile information terminal Download PDFInfo
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- CN1797455A CN1797455A CNA2005100772987A CN200510077298A CN1797455A CN 1797455 A CN1797455 A CN 1797455A CN A2005100772987 A CNA2005100772987 A CN A2005100772987A CN 200510077298 A CN200510077298 A CN 200510077298A CN 1797455 A CN1797455 A CN 1797455A
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- family
- account book
- mobile communication
- communication terminal
- financial transaction
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
- H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
- H04B1/40—Circuits
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Marketing (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a family account book output device and method in mobile communication terminal, particularly a family account book output device and method in mobile communication terminal making family account book after collecting and storing financial transaction, electronic commerce by using a mobile communication terminal. The present invention is characterized by comprising a financial transaction part, a family account book making part, a storage part. Wherein the financial transaction part processes financial transaction of mobile communication terminal; the family account book making part makes family account book database after said information of financial transaction part is generated, and outputs family account book with said family account book database; the storage part stores the family account book database generated by family account book making part. According to the invention, the mobile communication terminal stores all information of the financial transaction together then makes and outputs the family account book when financial transaction by using the mobile communication terminal.
Description
Technical field
The present invention relates to a kind of family's account book output unit and method thereof of utilizing mobile communication terminal, especially a kind of mobile communication terminal that utilizes is collected and is stored after financial transaction, the ecommerce, formulates the family's account book output unit and the method thereof of the mobile communication terminal of family's account book.
Background technology
At present, because the extreme of mobile communication terminal is general and the development of communication network technology, mobile communication terminal not only uses in voice communication, also uses in comprehensive financial service.
Fig. 1 is the system's pie graph that utilizes the mobile communication terminal of prior art to carry out ecommerce financial transactions such as Web bank, home shopping.
As shown in Figure 1, in order to utilize mobile communication terminal 100 to carry out financial transaction, need and function in an acting capacity of the card clearing of handling mobile communication terminal by online trading server 400 such as financial server 300 such as communication network 600 join card corporate servers, bank server and home shopping, corporate server 500 etc. is functioned in an acting capacity of in the clearing of online clearing.
Database and the storage that corporate server 500 is set up personal information, financial transaction information functioned in an acting capacity of in described financial server 300 and clearing, and will update user information when financial transaction takes place.
The user utilizes special-purpose financial chip, the financial chip that promptly can carry out effects such as the web browser of mobile communication terminal or Web bank is connected to and can allows mobile communication terminal carry out the system of above-mentioned Fig. 1 of online financial transaction, afterwards, carry out financial transactions such as Web bank's service, card clearing service, payment in advance clearing.Therefore, even without meanss of account settlement such as cash, credit card, debit cards, the user also can carry out own all financial transactions by mobile communication terminal.
So, financial-transaction companies such as bank, card company provide the financial transaction details in order to give users, set up the webserver in financial-transaction companies, and each client of storage/login on the financial-transaction companies server a financial transaction information is connected on the webserver, thereby provide the online household account book.Perhaps, the user imports oneself expenditure and income content on family's account book of logining on the webserver, thereby obtains family's account book service.
But, in family's account book service according to prior art, family's account book service that the webserver by financing corporation provides is managed by financing corporation, therefore can not satisfy user's requirement, and, the content of financing corporation can only be confirmed respectively, and the expenditure and the income detail of all financing corporations can not be grasped generally.
And when the user utilized the family account book of login on the webserver, the user need utilize mobile communication terminal such as the Portable mobile phone, PDA of oneself to be connected to the webserver, and input expenditure one by one and income are detailed.
Summary of the invention
The family's account book output unit and the method thereof of a kind of mobile communication terminal that the objective of the invention is to overcome the deficiency of prior art and provide, expenditure and income that its storage is undertaken by mobile communication terminal wait all financial transaction information, and utilize the financial transaction information of storage to generate family's account book and output.
In order to achieve the above object, family's account book output unit of mobile communication terminal of the present invention comprises: financial transaction portion, family's account book generating unit, storage part.Wherein, financial transaction portion handles the financial transaction of mobile communication terminal; Family's account book generating unit generates family's account book database after receiving the information of described financial transaction portion, and utilizes account book database output family of described family account book; Family's account book database that the described family of storage portion stores account book generating unit generates.
Described financial transaction portion comprises payment in advance treating apparatus, online checkout apparatus at least, receive the one or more device in the SMS treating apparatus of financial transaction information.
Described family account book database comprises: Web bank's form, card settlement information form, payment in advance settlement information form etc.Wherein, Web bank's form is stored the financial transaction information of each bank respectively; The credit card payment information form is stored the financial transaction information of each card company respectively; Payment in advance settlement information form stores is utilized the payment in advance information of payment in advance treating apparatus clearing.
Described Web bank form comprises information such as account transfer, payment, deposit.
Described credit card payment information form comprises: admit date, transaction details, admit information such as the amount of money.
Described payment in advance settlement information form comprises information such as name day, clearing kind, settlement amounts.
Of the present invention another is characterised in that, is made of the mobile communication terminal that possesses described family account book output unit.
Family's account book output intent of a kind of mobile communication terminal of the present invention comprises: the 1st step of carrying out financial transaction by mobile communication terminal; Import the 2nd step of described financial transaction information after described the 1st step; The financial transaction information of described the 2nd step is stored in the 3rd step of family's account book database after classifying; Read described family account book database fields selectively, and generate the 4th step of family's account book.
In described the 4th step, the step that generates family's account book comprises: the form data read step that reads the form data of family's account book database; From described form data, tell the income expenditure, and family's book credit output step of exporting in order one by one.
In described the 4th step, family's account book generates step and is: generate family's account book after family's account book data of database is sent to PC in described PC.
Beneficial effect of the present invention is, the present invention is when utilizing mobile communication terminal to carry out financial transaction, mobile communication terminal will be stored all information of financial transaction in the lump, generates and export family's account book afterwards, thereby provides convenience for the assets of user management oneself.
Description of drawings
Fig. 1 is the system construction drawing that mobile communication terminal carries out on-line finance transaction and e-commerce transaction;
Fig. 2 is the block diagram that possesses the mobile communication terminal of family's account book output unit of the present invention;
Fig. 3 a is Web bank's form of storing each bank transaction information in one embodiment of the invention in family's account book database (DB) tables of data respectively;
Fig. 3 b is a credit card payment information form in family's account book database (DB) tables of data in one embodiment of the invention;
Fig. 3 c is a payment in advance settlement information form in family's account book database (DB) tables of data in one embodiment of the invention;
Fig. 4 is an example of family's account book of exporting according to one embodiment of present invention;
Fig. 5 is the process order figure of family's account book output intent of mobile communication terminal of the present invention.
The symbol description of accompanying drawing major part:
100: mobile communication terminal 101: control part
110: family's account book generating unit 130: financial transaction device
131: payment in advance handling part 132:SMS handling part
133: online settlement process portion 120: storage part
121: family's account book database (DB) 140: short-range communication portion
200: personal computer (PC) 300: financial server
400: online trading server 500: corporate server is functioned in an acting capacity of in clearing
600: communication network 700: prepaid transaction object portion
Embodiment
Below, the present invention will be described in detail with reference to accompanying drawing.
Fig. 2 is one embodiment of the present of invention, and it is the block diagram that possesses the mobile communication terminal of family's account book output unit.
As shown in Figure 2, the mobile communication terminal among Fig. 2 equally comprises with existing mobile communication terminal: control part 101, key input part 102, display part 103, RF portion 104, audio portion 105, short-range communication portion 140, storage part 120.Wherein, control part 101 is the modulator-demodular units that drive mobile communication terminal and handle mobile communication signal; Key input part 102 input user's control commands; Display part 103 shows the driving condition and the internal information of mobile communication terminal; 104 transmitting-receivings of RF portion are included in mobile radio communication and the RF signal on the communication network 600; Audio portion 105 I/O sound signals; Short-range communication portion 140 is infrared communication portion or the usb communication portions that carry out short-range communication with the computer of outside; The drive software and the user's input information of storage part 120 storage mobile communication terminals.And the drive software that is stored in described storage part 120 comprises family's account book generating unit drive software, and the user can generate family's account book, change/renewal family account book data by it.
And the characteristics of the mobile communication terminal 100 among Fig. 2 are to comprise financial transaction portion 130 and family's account book generating unit 110.Wherein, financial transaction portion 130 handles and online financial transaction in order to carry out payment in advance, loads with the form of one chip or software.Carry out Web bank, payment in advance transaction, and receive the result of financial transaction information; The financial transaction information that family's account book generating unit 110 receives 130 processing of financial transaction portion generates family's account book database afterwards, reads family's account book database information according to user's requirement then, generates family's account book and output.
Described financial handling part 130 carries out payment in advance clearing, Web bank, ecommerce, card clearing by mobile communication terminal.At payment in advance handling part 131, in SMS handling part 132 and the online settlement process portion 133, described financial handling part comprises more than one at least.Wherein, payment in advance handling part 131 is loaded on the mobile communication terminal with the form of prepayment chip or financial transaction chip, storage payment in advance deposit information, and in each process of exchange, carry out the payment in advance clearing; SMS handling part 132 is told relevant financial transaction result's information and output in the SMS information that mobile communication terminal receives; Online settlement process portion 133 carries out Web bank, card clearing, electronic accounting etc.
Described payment in advance handling part 131 is settled accounts the expense that RF signal post closely takes place, and the clearing service of transportation expenses etc. is provided and settlement information is transferred to family's account book generating unit 110.
The SMS information of described SMS handling part 132 decomposition mobile communication terminals 100 receptions is retrieved after the SMS information of relevant finance, and the Financial Information that the mode that extraction is transferred accounts by the external sources of finance in corresponding short message deposits fund in transfers to family's account book generating unit afterwards.
Described online clearing portion 133 provides services such as Web bank, card clearing, electronic accounting by mobile communication terminal 100.It transfers to family's account book generating unit 110 to the financial transaction information of handling in Web bank, card clearing, the electronic accounting service process.
Fig. 3 is the pie graph of data form that is stored in family's account book database 121 of described storage part 120.
Described family account book database 121 is managed financial transaction information for convenience, and its characteristics are to possess the data store organisation of generation with storage after a plurality of data forms of financial transaction kind classification.
Described data form can be divided into the payment in advance settlement information form shown in the Web bank's form of storing each bank transaction information respectively as shown in Fig. 3 a and the credit card payment information form shown in Fig. 3 b and Fig. 3 c.But, have more than and be confined on these 3 kinds.
Here, described Web bank form can be made of respectively each bank that the user concludes the business, and the credit card payment information form can be made of respectively each credit card company that the user adds.
Below, describe quoting the data structure of an example described data form.
The Transaction Information form of described each bank will be stored the financial transaction information of each bank respectively.Title is transaction bank, and data field comprises account transfer, payment, deposit etc., and transfer accounts, pay, field such as deposit information such as the store transaction date and the amount of money successively.And, can comprise trading object information in described account transfer, payment, the deposit territory.
In the described credit card payment information form, title is a credit card company, will comprise in the data field admitting date, transaction content, admitting the amount of money etc.The whole project of in the transaction content relevant uses such as the clearing of record card, cash service being blocked.
The financial transaction that described payment in advance settlement information form stores payment in advance handling part 131 carries out, its data field comprise name day, clearing kind, the amount of money.Wherein, the clearing kind is divided into traffic, data such as wants to buy.
Fig. 4 is the process of data output family account book of utilizing family's account book database 121 of Fig. 3.
As shown in Figure 4, according to user's control commands, the family's account book that generates the drive software generation by family's account book is divided into contents such as expenditure and income.And comprise parts such as type of transaction, transaction content, kind, date, the amount of money respectively on expenditure and the income item.
To put down in writing the title that constitutes described family account book database 121 on the type of transaction item.
On the transaction content item, if Web bank then puts down in writing account transfer, payment, deposit information; If credit card payment information is then put down in writing information such as lump-sum payment, monthly payment plan, cash service.
Put down in writing the variety name of trading object etc. on the kind item.
And, put down in writing trade date on the date field, the record financial transaction amount of money on the money item.
Described family account book should in order of dates be recited as suitable successively.
Fig. 5 is the process order figure of family's account book output intent of mobile communication terminal of the present invention.
Below, 2 to Fig. 5 with reference to the accompanying drawings, and the processing procedure of family's account book output intent of mobile communication terminal of the present invention is carried out following explanation.
At first, according to user's requirement, financial transaction portion 130 will carry out financial transaction (step S100) by mobile communication terminal 100.
Carry out after the financial transaction, financial transaction portion 130 will transfer to family's account book generating unit 110 (step S200) to financial transaction information.
Afterwards, family's account book generating unit 110 will be divided into Web bank, credit card payment, electronic accounting, payment in advance clearing etc. to the financial transaction information of financial transaction portion 130 input, and be recorded in (step S300) in the corresponding form.Finished the process that is stored on family's account book database 121 with this.
Then, if the user imports family's account book output command, control part 101 will order to drive family's account book generating unit 110, and generates the output (step S400) afterwards of family's account book according to family's account book output format of having set.
Described family account book should in order of dates be exported financial transaction successively and be advisable.
And, in described processing procedure, will be by control part 101 controlling and driving family account book generating units 110, storage part 120, described financial transaction portion 130 etc.
And described family account book can be sent to the data of family's account book on the PC 200 by the short-range communication portion 140 of mobile communication terminal 100, handles and output family account book at the enterprising line data of PC afterwards.At this moment, should load family's account book database that generates and handle family's account book and family's account book generating unit that computer is used and family's account book on the PC 200 and generate drive software.
The present invention is when utilizing mobile communication terminal to carry out financial transaction, and mobile communication terminal will be stored all information of financial transaction in the lump, generates and export family's account book afterwards, thereby provides convenience for the assets of user management oneself.
Above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.
Claims (9)
1. family's account book output unit of a mobile communication terminal is characterized in that: comprise financial transaction portion, family's account book generating unit, storage part; Wherein, financial transaction portion handles the financial transaction of mobile communication terminal; Family's account book generating unit generates family's account book database after receiving the information of described financial transaction portion, and utilizes account book database output family of described family account book; Family's account book database that the described family of storage portion stores account book generating unit generates.
2. family's account book output unit of mobile communication terminal according to claim 1 is characterized in that: described financial transaction portion will comprise payment in advance treating apparatus, online checkout apparatus at least, receive more than one device in the SMS treating apparatus of financial transaction information.
3. family's account book output unit of mobile communication terminal according to claim 1 is characterized in that: described family account book database comprises Web bank's form, card settlement information form, payment in advance settlement information form; Wherein, Web bank's form is stored the financial transaction information of each bank respectively; The credit card payment information form is stored the financial transaction information of each card company respectively; Payment in advance settlement information form stores is utilized the payment in advance information of payment in advance treating apparatus clearing.
4. family's account book output unit of mobile communication terminal according to claim 3, it is characterized in that: described Web bank form comprises account transfer, payment, deposit information.
5. family's account book output unit of mobile communication terminal according to claim 3 is characterized in that: described credit card payment information form comprises to be admitted date, transaction details, admits amount information.
6. family's account book output unit of mobile communication terminal according to claim 3 is characterized in that: described payment in advance settlement information form comprises name day, clearing kind, settlement amounts information.
7. family's account book output intent of a mobile communication terminal is characterized in that: comprise the 1st step of carrying out financial transaction by mobile communication terminal; Import the 2nd step of described financial transaction information after described the 1st process; The financial transaction information of described the 2nd step is stored in the 3rd step of family's account book database after classifying; Read described family account book database fields selectively, and generate the 4th step of family's account book.
8. family's account book output intent of mobile communication terminal according to claim 7 is characterized in that: family's account book of described the 4th step generates the form data read step that step comprises the form data that reads family's account book database; From described form data, tell the income expenditure, and family's book credit output step of exporting in order one by one.
9. family's account book output intent of mobile communication terminal according to claim 7, it is characterized in that: the family's account book in described the 4th step generates in the step, family's account book data of database is sent to PC generates family's account book afterwards in described PC.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020040114200A KR100675163B1 (en) | 2004-12-28 | 2004-12-28 | A housekeeping account book making apparatus of the mobile communication terminal and the method thereof |
| KR1020040114200 | 2004-12-28 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1797455A true CN1797455A (en) | 2006-07-05 |
Family
ID=36818470
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005100772987A Pending CN1797455A (en) | 2004-12-28 | 2005-06-16 | Family account book output device and method in mobile information terminal |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR100675163B1 (en) |
| CN (1) | CN1797455A (en) |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100779017B1 (en) * | 2006-09-18 | 2007-11-22 | 에스케이 텔레콤주식회사 | Mobile terminal having management function of receipts and payments and system including the mobile terminal and method therefor |
| KR20160098769A (en) | 2015-02-11 | 2016-08-19 | 조현주 | Method and system for providing electronic account book services having income tax management function |
| KR101943592B1 (en) | 2017-08-31 | 2019-01-30 | 조현우 | Electronic Household Accounting System using Data Mining Techniques |
-
2004
- 2004-12-28 KR KR1020040114200A patent/KR100675163B1/en not_active IP Right Cessation
-
2005
- 2005-06-16 CN CNA2005100772987A patent/CN1797455A/en active Pending
Also Published As
| Publication number | Publication date |
|---|---|
| KR20060075416A (en) | 2006-07-04 |
| KR100675163B1 (en) | 2007-01-29 |
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Open date: 20060705 |