KR100342658B1 - Method for notifying credit transaction information - Google Patents

Abstract

Disclosed is a financial transaction history notification service method for easily and quickly providing transaction details of a credit card through a predetermined network. The present invention receives the transaction information generated in accordance with the use of credit cards from the credit card company and advertising information about goods or services from a certain contracted advertising company, and composed the input transaction information and advertising information in a short message, The present invention provides a financial transaction history notification service method for transmitting a short message to a credit card holder through a mobile communication company to a corresponding mobile communication terminal of a credit card holder. In addition, another feature of the present invention is to check whether the generated transaction history information corresponds to the pre-set credit card lottery winning criteria to receive the lottery lottery information according to the result, and the input lottery lottery information consists of a short message In addition to the short message of the transaction history information is characterized in that it provides a financial transaction history notification service method for transmitting to the terminal of the credit card holder through the communication company.

Description

Financial Transaction Details Notification Service Method {METHOD FOR NOTIFYING CREDIT TRANSACTION INFORMATION}

The present invention relates to a financial transaction history notification service method, and relates to a financial transaction history notification service method for easily and quickly providing transaction history information of a credit card through a predetermined network.

In general, a credit card is issued by an issuing institution such as a financial institution to an individual or a corporation, and is automatically authorized by the credit card issuer within the credit card issuer information. An automatic transaction terminal), a bank, or a PC / telephone connected online to the merchant's EFT / POS (Point of Sale Information Management System) terminal for offline payment of certain items or services. Value Added Networks (VANs) are settled with financial institutions through providers.

In addition, a financial institution is an agency that distributes and supplies funds and brokers them. For example, banks, securities companies, insurance companies, etc., perform financial transactions through credit cards, cash cards, and debit cards.

When using such a credit card, a transaction history record including a usage date, a place of use, an amount of use, and a fee thereof is sent to the user's address. At this time, the transaction history statement of the credit card is sent to the user at a time near the predetermined date for the settlement of the use amount.

On the other hand, due to the development of information and communication technology, the transaction details of the credit card are transmitted to the user in the form of an e-mail at a time near a predetermined date for settlement of the amount through the Internet.

Therefore, according to the above-described technology, the user cannot recognize that another person illegally uses the credit card due to the loss of the credit card until the transaction history statement is sent. Therefore, the user must settle the amount according to the illegal use. have.

Recently, the use of credit cards has been encouraged to settle transparent transactions. To this end, the IRS has implemented a credit card lottery system.

In addition, each credit card company also has its own credit card lottery system for the market share of credit cards.

The credit card lottery system is collected on a monthly basis or for a predetermined period of time, and the result of the drawing is collectively notified by the winner.

Therefore, such a credit card lottery system is a telephone notification of the result of the lottery only in order to notify the winners of the winning, there is a problem that the personnel for the telephone notification must be arranged.

In addition, since only a limited number of lottery winners are notified by telephone, other credit card users who do not win may not know the lottery status of the lottery system, thereby lowering the effect of advertising on the credit card lottery system.

Accordingly, the present invention has been made to solve the above-described problems, financial transaction details for transmitting transaction history information generated by a personal mobile communication terminal such as a mobile phone or IMT 2000 registered in advance when the transaction history of the credit card occurs The purpose is to provide a notification service method.

It is also an object of the present invention to provide a financial transaction history notification service method for transmitting transaction approval request information to a personal mobile communication terminal when a financial transaction approval request occurs.

Another object of the present invention is to provide a financial transaction history notification service method for transmitting advertisement information to transaction history information.

Still another object of the present invention is to provide a financial transaction history notification service method for adding and transmitting credit card lottery lottery information to transaction history information generated according to a transaction approval.

1 is a schematic block diagram of a financial transaction history notification service apparatus according to an embodiment of the present invention.

2 is an internal configuration diagram of the database of FIG. 1;

3 shows a first embodiment of a short message sent to a mobile communication terminal;

4 is a flow chart for performing a financial transaction history notification service according to FIG.

5 is a schematic structural block diagram of a financial transaction history information service apparatus according to a second embodiment of the present invention.

6 is a flowchart for performing the financial transaction history information service of FIG. 5.

7 is a schematic block diagram of a financial transaction history notification service apparatus according to a third embodiment of the present invention.

FIG. 8 is a flowchart for performing a financial transaction history notification service of FIG. 7.

9 is a flowchart for performing a financial transaction history notification service according to a fourth embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100-1, ..., 100-N: first to Nth mobile communication terminals

110: credit card company 120: credit card affiliate

130: advertising company 140: communication company

150: Short Message Service Provider

The present invention for achieving the above object receives the transaction information generated at the time of using the credit card and the advertising information about the goods or services from a certain contracted advertising company, the advertisement information is optionally included in the input transaction history information It consists of a short message that is characterized by providing a financial transaction history notification service method for transmitting a short message to the corresponding mobile communication terminal of the credit card holder.

In addition, another feature of the present invention is to check whether the generated transaction history information corresponds to the pre-set credit card lottery winning criteria, and receives the lottery lottery information according to the result, the input lottery lottery information consists of a short message It provides a financial transaction history notification service method to selectively add to the short message of the transaction history information sent to the terminal of the credit card holder. Further, another feature of the present invention is generated by the use of credit card The present invention provides a financial transaction history notification service method for constructing a short message including a phone number of a schedule designated by a credit card company in a transaction history information and transmitting a short message composed of the corresponding mobile communication terminal of the credit card owner. .

Hereinafter, a preferred embodiment of a financial transaction history notification service method according to the present invention will be described with reference to the accompanying drawings.

<First Embodiment>

1 is a schematic structural block diagram of a financial transaction history notification service apparatus according to a first embodiment of the present invention, FIG. 2 is an internal configuration diagram of the database of FIG. 1, and FIG. 3 is an example of a short message transmitted to a mobile communication terminal. The figure which shows. In Figure 1, each component is represented by the subject that operates the component, the actual credit card company 110 is a credit card management system of the credit card company, credit card affiliates 120 of the credit card affiliates The terminal and the advertising company 130 may be viewed as an advertisement server of the advertising company and the communication company 140 as a mobile communication system.

As shown in Figure 1, the financial transaction history notification service apparatus according to the present invention is the first to the N-th mobile communication terminal (100-1, ..., 100-N), credit card company credit management system 110 ), A terminal 120 of a credit card affiliate company, a mobile communication system 140 of a communication company, an advertisement server 130 of an advertisement company, and a short message service system 150, and a communication network is established between each component. do.

Here, the credit card management system 110 of the credit card company provides a user with a credit card that can be used within a certain amount limit when purchasing goods or services to users of the first to Nth mobile communication terminals 100-1,..., 100-N. And selectively outputs an approval signal for transaction approval according to a transaction approval request from a user who uses the issued credit card.

In addition, the credit management system 110 of the credit card company includes a database 112, where the database 112 stores transaction details in accordance with a transaction approval request generated by the issued credit card. Information database 114, a member information database 116 containing personally identifiable information of the credit card owner, that is, a member, and a lottery lottery system 118 for performing a credit card lottery drawing according to transaction details. .

The first to N th mobile communication terminals 100-1,..., 100 -N may be configured of any one of a cellular phone, a PCS, an IS-95C, or an IMT-2000, and the first to N th mobile communication terminals. (100-1, .., 100-N) The user is a member who is issued a credit card from the credit management system 110 of the credit card company, and the first to N-th mobile communication terminal (100-1, .., 100) -N) is an emergency contact registered for notification of financial transaction details upon membership registration.

At this time, it is obvious that the credit card issued by the credit management system 110 of the credit card company stores personal information such as serial number information of the credit card and the credit card owner, that is, the corresponding user number of the member.

In addition, the credit management system 110 of the credit card company outputs the transaction approval signal to the terminal 120 of the credit card affiliate company and simultaneously outputs the credit card transaction details information according to the transaction approval to the short message service system 150. Is configured to. At this time, the credit card transaction history information is configured to include transaction approval number information.

The lottery lottery system 118 of the credit card management system 110 of the credit card company is configured to determine whether the transaction details correspond to the preset winning criteria according to the transaction approval number and output the credit card winning information accordingly.

Here, the winning criterion may be set to any number of transaction authorization numbers, for example, if the four digits of the authorization number are the same as the credit card transaction history occurrence date, the transaction authorization number includes the date of birth of the credit card holder. Can be.

In addition, the winning criteria may be set based on the credit card serial number given at the time of issuing the credit card. If the credit card serial number includes a credit card transaction history occurrence date, the winning criteria may be set.

The short message service system 150 includes a short message service (SMS) server 152 and an advertisement information database 160.

The SMS server 152 inputs advertisement information for promoting an article, a service, or an event from the advertisement server 130 of the advertiser through the first to Nth mobile communication terminals 100-1,..., 100 -N. And the advertisement information stored in the advertisement information database 160 includes member information stored in the member information database 116 such as gender, age group, and occupation. The information is classified into codes according to a credit card transaction location and a credit card merchant type according to the transaction details stored in the transaction history information database 114. In this case, the credit card merchant type may include items to be handled, for example, clothing. , The furniture, the restaurant, etc. The SMS server 152 and the advertisement server 130 of the advertising company establish a contract online or offline. The advertising message in the first to N mobile communication terminal (100-1, ..., 100-N) includes information such as the advertising period fees, advertising resulting from the transfer to, the fee calculation method.

The SMS server 152 is credit card of the advertisement information stored in the advertisement information database 160 according to the advertisement information classification code set by the transaction history information and transaction history information input from the credit management system 110 of the credit card company The first to N-th mobile communication terminals 100-1,..., 100-N configured to form a short message of advertisement information according to the classification code input from the credit management system 110 of the company and generate transaction details. It is configured to add the corresponding member information of the user to the mobile communication system 140 of the carrier.

The mobile communication system 140 of the telecommunication company receives the short message and the member information output from the SMS server 152 in the short message service system 150, and according to the member information, the short message is the first to N-th mobile communication terminal (100-1, ..., 100-N) is configured to transmit to the corresponding terminal of the credit card holder that generated the transaction history.

In addition, the short message of the transaction history information may be configured to be transmitted in the form of e-mail through the e-mail address specified by the credit card holder at the request of the credit card holder.

Here, the transaction history database 114 structure of the short message service system 150 is a member name, member user number, credit card type, transaction date, name of the affiliate company, use amount and use form as shown in FIG. , Cumulative monthly usage fields, and so on.

Also, as shown in FIG. 2B, the structure of the member information database 116 includes a member name, a member user number, a mobile communication terminal number, a card usage history, a card overdue field, and the like.

At this time, it is apparent that the member information database 116 may further include information fields such as personal identification information of the member, for example, age, social security number, date of birth, occupation, hobby, and the like.

In addition, as shown in FIG. 2C, the structure of the advertisement information database 160 includes an advertisement company name, an advertisement period, an advertisement content field, and the like.

The operation of the financial transaction history notification service apparatus according to the present invention configured as described above is as follows.

First, the first to N-th mobile communication terminal (100-1, ..., 100-N) the user using the credit card issued from the credit card management system 110 of the credit card company or goods from the credit card affiliate company When the service purchase request is made, the terminal 120 of the credit card affiliate company transmits a transaction approval request signal to the credit card company's credit management system 110 through a credit card and a credit card transaction approval inquiry device (not shown). Send it.

The credit card management system 110 of the credit card company transmits a transaction approval signal to the terminal 120 of the credit card affiliate if there is no reason for disqualification of the corresponding card according to the transaction approval request signal transmitted from the terminal 120 of the credit card affiliate. To send.

The credit card management system 110 of the credit card company transmits a transaction approval signal to the terminal 120 of the credit card affiliate company and simultaneously displays the corresponding advertisement classification code according to the transaction history information and transaction history information including the transaction approval number. The SMS is transmitted to the SMS server 152 of the short message service system 150 through the schedule network. Here, the advertisement classification code is assigned to the user of the first to Nth mobile communication terminals 100-1, ..., 100-N. Code for transmitting an advertisement corresponding to the user's taste determined according to the member information, that is, the user's gender, age group, occupation or hobbies, and transaction history information, that is, the product type and the transaction location. In addition, the credit card management system 110 of the credit card company by the lottery lottery system 118 transaction credit number information and credit card serial number information that is included in the transaction history information is set in advance It is determined whether the lottery criteria are included and the lottery lottery information is transmitted to the SMS server 152 together with the transaction details.

Here, the network may be configured as any one of a network capable of transmitting a transaction approval signal such as a wired or wireless Internet, a dedicated line, or a telephone network.

The SMS server 152 is a member of the credit card holder issued from the credit management system 110 of the credit card company, that is, the first to N-th mobile communication terminal (100-1, ..., 100-N) user information The input information is stored in advance in the member information database 116, and the advertisement information is frequently received from the advertisement server 130 of the advertisement company and stored in the advertisement information database 160. In this case, the advertisement information input from the advertisement server 130 of the advertisement company includes text or picture information. Here, it is apparent that the advertisement server 130 of the advertisement company may be the credit management system 110 of the credit card company.

In addition, the SMS server 152 is advertising information corresponding to the ad classification code of the transaction history information and lottery lottery information transmitted from the credit management system 110 of the credit card company and the advertisement information stored in the advertisement information database 160. Is configured as a short message signal, and the mobile communication terminal number information is added from the member information of the member information database 116 and output to the mobile communication system 140 of the communication company.

Here, the capacity for transmitting a short message that can be output to the mobile communication terminal by the SMS server 152 is about 80 bytes. The short message signal corresponding to transaction history information is composed of about 40 bytes, and the other 40 bytes are advertised. Information and lottery lottery information can be configured.

In addition, the remaining capacity of 40 bytes excluding the transaction history information capacity may be configured as either advertisement information or lottery lottery information.

The mobile communication system 140 of the carrier corresponds to the mobile terminal number information through a base station (not shown), which is one of its components, with a short message of transaction history information and advertisement information output from the SMS server 152. It selectively transmits to any one of the first to Nth mobile communication terminals 100-1, ..., 100-N.

Here, the short message transmitted by the SMS server 152 to the user of the first to Nth mobile communication terminals 100-1,..., 100 -N through the mobile communication system 140 of the carrier is shown in FIG. 3. As shown.

That is, the short message is the card type (300), the transaction date (302), the affiliate name (304), the use amount 306, transaction history information of the total amount of use of the current month (308), card loss report phone number (310) and advertising Information 312 is included.

The user of the first to Nth mobile communication terminals 100-1,..., 100 -N immediately checks the transaction details generated at the time of transaction history by the short message transmitted through the mobile communication terminal which is always carried. Can be.

In this case, when the transaction history confirmed by the short message is different from the content used, the user of the first to Nth mobile communication terminals 100-1,..., 100 -N checks the abnormality by the schedule button configured on the terminal. The request signal is communicated with the credit management system 110 of the credit card company through the mobile communication system 140 of the carrier, and appropriate measures can be taken immediately.

That is, the mobile communication terminal is configured with a call-back system (call-back) system that can be immediately connected to the telephone number of the credit management system 110 of the credit card company included in the received short message. In case of abnormality in the information, the telephone number included in the transaction history information, for example, the customer's report, such as a lost report telephone number in the credit card management system 110 of the credit card company, by entering the 'call' button of the mobile communication terminal Immediately connected to the management center is a call with the credit card management system 110 of the credit card company can immediately take appropriate measures such as report card loss and stop using the credit card.

Here, the short message transmitted to the first to Nth mobile communication terminals 100-1,..., 100 -N is transmitted to the first to Nth mobile communication terminals 100-1,..., 100 -N. The user may be configured to transmit a confirmation signal according to the confirmation to the SMS server 152.

In addition, the SMS server 152 is configured to continuously transmit a short message for a period of time until the user of the first to N-th mobile communication terminals 100-1,..., 100 -N confirms the transmitted short message. You may.

In addition, it is apparent that the advertisement information may be selectively added to the transaction history information and transmitted to the mobile communication terminal in the form of a short message.

In addition, the present invention operated with the above-described configuration may be configured to transmit a transaction approval request signal generated according to the use of the credit card in the form of a short message to the credit card owner's mobile communication terminal.

The financial transaction details notification service method according to the first embodiment of the present invention configured and operated as described above will be described with reference to the accompanying drawings.

4 is a flowchart for performing a financial transaction history notification service according to FIG. 1.

First, the short message service system 150 receives the advertisement information from the advertisement server 130 of the advertisement company, makes a database, and stores each of them in the advertisement information database 160 (S400).

Subsequently, it is determined whether the transaction approval request signal using the credit card and the transaction history generation information according to the transaction approval operation and the lottery lottery information according to the transaction history generation information are input from the credit management system 110 of the credit card company (S402). .

When the transaction history generation information and the lottery lottery information are input in the above step (S402), the SMS server 152, the transaction history information according to the transaction history occurrence, the member information and transaction history information of the credit card owner that generated the transaction history and The advertisement classification code information according to the member information is received from the credit card management system 110 of the credit card company (S404), the input transaction history information, the lottery lottery information and the advertisement information stored in the advertisement information database 160 stored in The advertisement information corresponding to the classification code is configured in the form of a short message (S406).

Subsequently, the credit card generating the transaction details in the short message is added to the mobile communication terminal information among the member information of the owner and output to the mobile communication system 140 of the communication company (S408).

The mobile communication system 140 of the communication company transmits a short message to the corresponding mobile communication terminal by the mobile communication terminal information (S410).

Meanwhile, the advertisement information and the lottery lottery information may be selectively added to the transaction history information and transmitted in a short message. That is, the transaction history information and the advertisement information may be transmitted or the transaction history information and the lottery lottery information may be transmitted to the mobile communication terminal.

It is determined whether the abnormality confirmation request signal of the transaction details according to the short message transmitted in step S410 is input from the corresponding mobile communication terminal (S412), and the credit included in the short message according to the abnormality content confirmation request signal. A call is made with the credit card company's credit management system 110 through the card company's telephone number, and measures are taken depending on whether there is a problem with the transaction details (S414).

Another embodiment of the present invention will be described with reference to the accompanying drawings.

Second Embodiment

5 is a schematic block diagram of a financial transaction history information service apparatus according to a second embodiment of the present invention, and FIG. 6 is a flowchart for performing the financial transaction history information service of FIG. 5.

As shown in FIG. 5, the first to N th mobile communication terminals 500-1,..., 500 -N, a terminal 510 of a credit card affiliate company, an advertisement server 520 of an advertiser, and credit It consists of a credit card management system 540 of the credit card company for transmitting the card transaction history information in the form of a short message to transmit through the mobile communication system 530 of the carrier.

Here, the credit card company's credit management system 540 is composed of an SMS server 542 and a database 550 including a transaction history information database 552, a member information database 554, and an advertisement information database 556. . Here, the credit card management system 540 of the credit card company, as shown in Figure 1, a lottery lottery system for performing a credit card lottery lottery according to the transaction history information and output the lottery lottery information accordingly (not shown) It is obvious that configured to include more.

The operation of the financial transaction history notification service apparatus according to the second embodiment of the present invention having such a configuration will be described below.

The credit card management system 540 of the credit card company sends a transaction approval signal to the terminal 510 of the credit card affiliate if the transaction approval request using the credit card inputted from the credit card affiliate's terminal 510 has no reason for disqualification. Output

In addition, the credit card management system 540 of the credit card company receives the advertising information from the advertising server 520 of the advertising company and stores in the advertisement information database 556, and issued the credit card holder information, that is, member information At this time, the advertisement information database 556 is a kind of advertisement information classified according to the member information of the user of the first to Nth mobile communication terminals 500-1, ..., 500-N, and the like. The advertisement information is stored for each classification code according to the SMS. The SMS server 542 of the credit card management system 540 of the credit card company outputs a transaction approval signal to the terminal 510 of the credit card affiliate company and outputs the transaction approval signal. A short message according to the transaction history information and the advertisement information, and adds the mobile communication terminal number information among the member information of the owner of the credit card used in requesting transaction approval to the configured short message. Output to the mobile communication system 530 of the carrier.

At this time, the transaction history information according to the transaction approval signal is stored in the transaction history information database 552.

The mobile communication system 530 of the telecommunication company receives the short message information and receives mobile communication among the first to Nth mobile communication terminals 500-1, ..., 500-N through a base station (not shown). Send to the terminal corresponding to the terminal number information.

As described above, the operation of configuring and transmitting the lottery lottery information through the lottery lottery system is the same as that of the first embodiment of the present invention, and description thereof will be omitted.

In addition, since the post-processing operation such as checking the credit card transaction history and stopping the use of the credit card according to the abnormal transaction history among the transaction history information of the short message is the same as in FIG. 1, description thereof will be omitted.

A financial transaction history notification service method according to a second embodiment of the present invention configured and operated as described above will be described with reference to FIG. 6.

First, the credit management system 540 of the credit card company configures transaction details information according to the transaction approval request and transaction approval from the terminal 510 of the credit card affiliate company (S600).

Then, the SMS server 542 of the credit card management system 540 of the credit card company is the first to the first identified by the member information and transaction history information of the transaction information and the advertisement information stored in the database 552 N mobile communication terminal (500-1, ..., 500-N) The corresponding advertisement information according to the taste of the user is configured as a short message (S602).

The SMS server 542 outputs the mobile communication terminal information among the member information of the credit card holder used in the transaction approval request to the mobile communication system 530 of the communication company in addition to the short message configured in the above step S602 ( S604).

The mobile communication system 530 of the communication company corresponds to the short message input from the SMS server 542 corresponding to the mobile communication terminal information among the first to Nth mobile communication terminals 500-1,..., 500 -N. Transmission to the terminal (S606).

Here, the subsequent operation according to the abnormal transaction details and the lottery lottery performing method among the short messages transmitted to the first to Nth mobile communication terminals 500-1, ..., 500-N are the same as in the first embodiment. The description will be omitted.

Third Embodiment

7 is a schematic block diagram of a financial transaction history notification service apparatus according to a third embodiment of the present invention. FIG. 8 is a flowchart for performing the financial transaction history notification service of FIG. 7.

As shown in FIG. 7, the first through N-th mobile communication terminals 700-1,..., 700 -N, a terminal 710 of a credit card affiliate company, and a credit management system 720 of a credit card company. In addition, the terminal 730 and the credit card transaction history information of the advertising company is composed of a mobile communication system 740 of the carrier for transmitting in the form of a short message.

Here, the credit management system 720 of the credit card company has a transaction history information database 752 for storing transaction history information and a member information database 754 for storing member information of a member who is an issued credit card owner. Database 750.

In addition, the mobile communication system 740 of the telecommunications company SMS server 722 for outputting the transaction history information and advertising information input from the credit card management system 720 of the credit card company in the form of a short message and the input advertisement And an advertisement information database 760 for storing information. Here, the advertisement information database 760 is a gender and age group of a user of the first to Nth mobile communication terminals 700-1, ..., 700-N. Ad information is stored for each classification code classified according to the user's taste, which is analyzed according to the user's job and credit card transaction location.

The operation of the financial transaction history notification service apparatus according to the third embodiment of the present invention configured as described above is as follows.

The credit card management system 720 of the credit card company sends a transaction approval signal to the terminal 710 of the credit card affiliate if the transaction authorization request from the credit card affiliate's terminal 710 does not cause a disqualification of use. Output

In addition, the credit management system 720 of the credit card company stores the transaction history information according to the transaction approval in the transaction history database 752, and stores the member information which is the issued credit card owner in the member information database 754.

The credit card management system 720 of the credit card company outputs a transaction approval signal to the terminal 710 of the credit card affiliate company, and simultaneously records transaction details and first to Nth mobile communication terminals 700-1 according to the transaction approval signal. , ..., 700-N) The advertisement information classification code according to the grasped taste of the user is transmitted to the SMS server 742 of the mobile communication system 740 of the communication company. At this time, the SMS server 742 receives the corresponding member information of the credit card holder that generated the transaction history information from the credit management system 720 of the credit card company.

The SMS server 742 of the telecommunication company's mobile communication system 740 stores the advertisement information input from the advertisement company's advertisement server 730 in the advertisement information database 766.

In addition, the SMS server 742 receives the transaction history information generated from the credit management system 720 of the credit card company and the member information of the credit card owner that generated the transaction history information, the input transaction history information and the identified information. The corresponding advertisement information according to the classification code according to the taste of the user of the first to Nth mobile communication terminals 700-1,.

The SMS server 742 transmits the configured short message to the mobile communication terminal of the credit card holder who generated the transaction history, that is, the member through a base station (not shown).

Here, it is obvious that the post operation according to the abnormal transaction details through the short message transmitted and the lottery lottery method are the same as in the first embodiment.

The financial transaction details notification service method according to the third embodiment of the present invention configured and operated as described above will be described with reference to FIG. 8.

First, the transaction approval request signal from the terminal 710 of the credit card affiliate company and the transaction approval signal generation process of the credit management system 720 of the credit card company is the same as in FIG. 4, so a detailed description thereof will be omitted. The SMS server 742 of the telecommunication company's mobile communication system 740 converts the advertisement information input from the advertisement server 730 of the advertisement company into a database and stores the advertisement information in the advertisement information database 760 (S800).

Subsequently, the SMS server 742 receives the transaction history information and the credit card owner's member information generated according to the use of the credit card from the credit management system 720 of the credit card company (S802). In addition, the SMS server 742 The advertisement classification code according to the transaction details according to the transaction approval and the member information of the user of the first to N-th mobile communication terminal 700-1, ..., 700-N from the credit management system 720 of the credit card company Receive input.

The SMS server 742 configures a short message according to advertisement information and transaction history information according to the advertisement classification code among the advertisement information stored in the advertisement information database 760 (S804).

The SMS server 742 transmits the short message configured in the above step S802 to the corresponding mobile communication terminal through the base station (not shown) by the mobile communication terminal information among the member information of the credit card holder (S806).

Here, the subsequent operation according to the abnormal transaction history information of the transmitted transaction history information is obviously the same as FIG.

Fourth Embodiment

9 is a flowchart for performing a financial transaction history notification service according to a fourth embodiment of the present invention.

First, the transaction approval request signal from the terminal 120 of the credit card affiliate company and the transaction approval signal generation process of the credit management system 110 of the credit card company is the same as in the above-described embodiment of the present invention. Will be omitted.

Subsequently, the SMS server 152 receives the transaction history information according to the transaction approval signal and the credit card lottery lottery information according to the transaction history information from the credit management system 110 of the credit card company (S900).

The credit card lottery lottery information is the winning information according to whether the transaction history information corresponds to the preset credit card lottery winning criterion.

In this case, the preset credit card lottery winning criteria is based on whether the credit card serial number or the authorization number given according to the transaction history approval is equal to the lottery number, or the four digits of the authorization number or the credit card serial number are used on the day of use. It may be configured to include the same as the date. Here, it will be apparent that the credit card lottery winning criteria may be configured in various ways in addition to the above-described criteria.

The transaction history information and credit card lottery lottery information input in the above step (S900) is configured as a short message (S902). Here, the credit card lottery lottery information is configured such that the short message display capacity of the mobile communication terminal occupies the remaining 40 bytes except for 40 bytes for transaction history information among at least 80 bytes.

Subsequently, the SMS server 152 outputs the configured short message to the mobile communication system 140 of the communication company together with the mobile communication terminal information of the owner of the credit card corresponding to the transaction history information (S904).

The mobile communication system 140 of the communication company transmits the short message including the input transaction history information and the credit card lottery drawing information to the corresponding mobile communication terminal of the credit card holder by the mobile communication terminal information (S906).

Here, the present invention may be configured to transmit only the winning information of the credit card lottery according to the generated transaction details, but may also be configured to transmit information when the winning fails.

It is apparent that the financial transaction history notification service method according to the present invention can configure the generated transaction history in an e-mail form and transmit it to a designated e-mail address of the credit card holder.

In addition, the present invention may perform a notification service, as well as information on the transaction details of the transaction with the financial service institutions, such as banks and securities, as well as transaction details of the use of the credit card.

Financial transaction history notification service method according to the present invention through a separate SMS server, an SMS server in the credit card company, the SMS server of the mobile communication company at the time of the transaction history occurs transaction information and the resulting lottery lottery information in a short message Configure and send to the credit card owner's mobile terminal.

Accordingly, the present invention can check the transaction details of the credit card at the time of occurrence, and thus, if the credit card is illegally used by another person, the use of the credit card can be quickly stopped according to the transaction history confirmation, thereby preventing the closure thereof. It can be effective.

In addition, since the advertisement information is transmitted along with the transaction history information, there is an effect that can replace the communication costs incurred by the short message transmission with the advertisement fee of the advertising company that publishes the advertisement.

In addition, the present invention is configured to transmit a transaction approval request signal as a short message as well as transaction history information according to the transaction history approval to the credit card owner's mobile communication terminal, it is also possible to prevent illegal credit card use in advance have.

In addition, the present invention transmits the lottery lottery information by credit card lottery lottery of various criteria according to the transaction history as well as the transaction history information according to the transaction history approval in the form of a short message to the mobile communication terminal of the credit card owner is conventional There is an effect that can eliminate the manpower consumption for individual phone notification by phone.

In addition, the present invention by providing the lottery lottery information, such as the winning or failure of the winning according to the transaction history generated in real time to the credit card owner immediately at the time of the transaction history, so that the credit card owner can be immediately convinced, lottery lottery Due to the curiosity and fun of checking the results, it is possible to solve the annoyance when checking transaction details received by the mobile terminal at each point of transaction occurrence and maximize activation of credit card use. In addition, the present invention grasps the taste of the user of the mobile communication terminal, and transmits the advertisement information according to the identified taste along with the transaction history information through a short message. It can improve the advertising effect on the advertisement information.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will be able to vary the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated that modifications and variations can be made.

Claims (32)

Establishing a communication network between a credit card company's credit management system, a mobile communication system, and an SMS server; Receiving, by the SMS server, transaction information at the time of use of a credit card holder from the credit management system through the communication network; Receiving, by the SMS server, the lottery lottery information based on whether the generated transaction details correspond to a predetermined credit card lottery winning criterion from the credit management system through the communication network; Constructing, by the SMS server, a first short message including a predetermined telephone number designated by the credit management system in the received transaction history information; Constructing the received lottery lottery information into a second short message by the SMS server; Adding, by the SMS server, a second short message to the first short message and transmitting the second short message to the credit card holder's mobile communication terminal through the mobile communication system; And And receiving, by the credit management system, a credit card history confirmation signal or a credit card usage stop request signal from the credit card owner's mobile communication terminal through a predetermined phone number included in the first short message. Financial transaction history notification service method. delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete delete