KR100760368B1 - Method for Providing Internet-based Household Account Book - Google Patents

Abstract

The present invention relates to a method for providing an electronic household account, and automatically accumulates and stores the type / intangible commodity transactions and various mileage statuses made on the Internet in the form of a household account book immediately upon transaction occurrence, and forms an instant messenger with a bookmark function in a window or web. It is a system that allows Internet users to check the status of spending and mileage while surfing the web at all times. (1) Establish efficient spending plans such as preventing users from impulse purchases in advance in consideration of accumulated expenditures when purchasing online products. (2) It is possible to link the existing household's planned offline, consistently present the spending plan for each individual's total income, and (3) systematically manage various mileage generated on the web (4) Banking companies and credit card companies In connection with the database server, users can check the user's card usage, payment date, and deposit and withdrawal of the bank account at any time through the account book browser. (5) Encourage users to find the relevant products and miles frequently by looking at the transaction products and mileage. (Household bookmark function) to increase the effectiveness of the site advertising, while allowing users to quickly and easily access the site (shopping mall, mileage site) frequently visited through the bookkeeping bookmark installed in the household browser, (6) user purchase products Based on the current research database, it features features such as enabling e-commerce consulting and advertising partnership.

Account book, mileage, online / offline integration

Description

How to provide electronic household account book {Method for Providing Internet-based Household Account Book}

1 is a basic configuration diagram on the Internet.

2 is a browser display method and a household book display method for using this site.

3 is a block diagram according to an embodiment of the present invention

4 is a service control flowchart of an account book browser according to an embodiment of the present invention.

5 is a system configuration diagram of an embodiment of an online on / off line electronic accounting unit for a card company.

Figure 6 is an application of the Internet on / off line electronic account book system in the bank.

7 is a flowchart of applying the Internet on / off line electronic account book system to the card company.

8 is a flowchart in which the Internet on / off line electronic account book system is applied to a bank.

9 is a configuration diagram applying the Internet on / off line electronic account book system integrally.

10 is a flowchart of classifying and storing information generated at a shopping mall, a card company, and a bank in each database.

FIG. 11 is a diagram illustrating a method of web shopping by using a household browser downloaded from a user connected to this site.

12 is a process in which a user searches data to confirm his purchase information so far

13 is a flowchart and a basic display screen showing information when mileage and reserves are generated.

The present invention relates to Internet on / off line household accounting service, and helps the user to establish a planned spending and accumulation plan when using the e-commerce and mileage site, while improving the advertising effect of the target site and trading products and at the same time purchase research data It relates to a system that enables consulting using the base.

Traditionally, although the household account book is made on a computer, it must be input by the user and mainly spent offline, rather than an online transaction. Often not typed. As the transactions on the web are expected to increase exponentially in the future, the amount of money spent online is expected to be small except offline, and a systematic and efficient household account is needed for this. Traditionally, the household account book, which was created offline, has a disadvantage in that it is difficult to write the expenditures and mileages frequently generated on the web effectively in a timely manner by systematic statistical processing. Difficult to plan

Sites and product advertising methods have also been proposed in the related art, but it is unreasonable for the user to constantly look at the advertisements with interest. In addition, when a user purchases a product on an e-commerce site or mileage occurs, the target site must advertise frequently, such as sending an email to keep the user as a customer. In other words, you need to constantly advertise to ensure that your site is always reminded to customers who have used e-commerce and mileage targets once or twice, and you can send them emails to keep users as customers. Even if it is used, it is difficult to expect a great effect unless the user is interested in one of the many advertisements existing on the web.

Accordingly, an object of the present invention is to provide an instant messenger type with a bookmark function on a window or the web so that the user can always check the status of spending and mileage that occurs frequently on the web, as soon as the expenditure and mileage transaction occurs on the web. Automatically accumulates in the account book to enable systematic planning of all income and expenses generated online, and 2) Automatically settles the transactions made offline by the user in connection with the database server of the bank company and the card company. Through the account book browser, you can check the user's credit card payment date, payment date, and deposit and withdrawal details of the bank account. Through online By providing the function of summarizing the transaction and summation, the plan is to show the individual's total income / expenditure plan by integrating on / off line and present it consistently to prevent unnecessary expenses and to enable efficient living plan. 5) User can bring continuous and effective association advertisement effect of the target site and products by allowing the user to always pay attention to the target site, transaction item and amount, mileage status and target site presented in the household of the Allows users to quickly and easily access frequently visited sites (shopping malls, mileage sites) through the bookkeeping bookmark installed in the shopbook browser, and 6) E-commerce site consulting using the product purchase research database is established. To provide a way There.

The present invention relates to Internet on / off line household accounting service, and helps the user to establish a planned spending and accumulation plan when using the e-commerce and mileage site, while improving the advertising effect of the target site and trading products and at the same time purchase research data The present invention relates to a method for providing Internet on / offline electronic account book that enables consulting using a base.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Figure 1 is a basic configuration on the Internet illustrating the appearance of users using this site and the basic structure of the site using the electronic account book browser.

The basic diagram is a diagram illustrating the user's use of the site using the account book browser and the basic structure of the site.

The basic structure of this site is the account book browser used by a site with an account book database server (1), a shopping mall, card company, bank database (2) connected to it, and a user (5) (6) connected to the Internet network (3). (4) and the account book program (7).

The user's shopping information stored in the shopping mall database (2) is stored in the account book database server (1) of this site, and then, using the account book browser (4) or the account book program (7) through the Internet network (3). Internet automatic account book of the way to implement the operation according to the function to the user (5), (6).

2 is a browser display method and a household display method for using this site.

The user can use the household browser dedicated browser (4) to stand on the top of his screen when shopping on the Internet, and can check various matters using the household account program.

3 is a block diagram according to an embodiment of the present invention, a shopping mall database (DB) 01 agreed with the site, a user information database (DB) 02 and a directory database (DB) 03 according to the functions of an account book browser. Department, family account browser 04, user 05, shopping information research database (DB) 06, unconventional shopping mall site 08, household account book program 09, shopping mall information database (DB) 20, mail system 21, card company, bank It consists of 22.

First of all, a user 05 who is registered as a member of this site (where a user is registered as a member of this site, whose information is accumulated in our database and performs money shopping on the Internet or on the web) In the case of various financial activities, shopping mall 01 contracted with this site sends information such as shopping information and mileage of users 05 to the user information database (DB) 02 of this site.

The user information database (DB) 02 of this site checks shopping information of each user 05, assigns a classification code, and establishes a user information database (DB) 02. The information of the user 05 is classified according to their characteristics, and then divided into necessary parts instead of the entire contents, and are made in a directory format to improve the speed of server communication between the browser 04 and the user information database (DB) 02. Connect user information to a directory in the directory and send the information to the directory database (DB) 03 for storage. The shopping mall is linked to a directory representing a shopping mall, and the directory search movement is stored in a directory database (DB) so that the user can conveniently surf the web on the Internet at any site.

In the shopping mall 08, which is uncontracted with this site, the financial changes for User 05 in the shopping mall are shown in the shopping mall 08 of the user 05 in order to receive payment for the payment made by the user 05 through a card or an account in the non-contracted shopping mall 08. Send to card company or bank 22.

User information sent to the card company or bank is assigned a classification code before being stored in the user information database (DB) 02, and stores the user information in the database (DB) 02.

Before storing the user information sent from the card company or the bank according to their characteristics, the shopping mall name data is extracted from the classified data, and the shopping mall name and the extracted shopping mall name of the contract shopping mall information database 20, which store the information of the contracted shopping mall, Compare.

If the shopping mall is an agreed shopping mall, the shopping information of the user 05 is stored in the user database 02. If the shopping mall is an unconventional shopping mall, the mail is sent to the shopping mall indicated by the shopping mall name using the mail system 21. In addition, information that turns out to be a non-contracted shopping mall is also stored in a user information database and used later when an agreement is made with an uncontracted site.

The user information of the non-contracted shopping mall 08 stored in the user information database 02 can notify the shopping mall, such as a shopping mall name or a link function, when the information classified into the directory database 03 is stored to express the information. Store directory information in directory database 03 with restrictions.

When the user 05 checks his or her information using the browser 04 or the household account book program 09, the information and the name of the non-contracted shopping mall cannot be confirmed, and the items and the payment date can be simply viewed.

When sending a mail to a non-contracted shopping mall using the mail system 21, it shows the merits of the household account function, informs the advertising function of the shopping mall, and induces a contract with the main site to continuously increase the contract shopping mall of this site.

In addition, the shopping information in the user information database (DB) 02 is classified into a research format and stored in the shopping information research database (DB) 06 according to a purpose. The information stored in the research database is used for shopping mall consulting and data provision 07. The browser 04 and the account book program 09 display a directory corresponding to the shopping mall information according to each function. Therefore, all shopping information data to be serviced are stored in the user information database DB 02, and the directory database DB 03 stores a directory corresponding to the shopping information. In addition, the shopping information research database (DB) stores information data organized in a research format from the shopping information database (DB) 02. The browser 04 and the account book program 09 display the stored information of the directory database (DB) 03 and the shopping mall database (DB) 01.

According to the functions of the browser 04 used by the user 05, the user directory has been purchased by the user 05, such as when or what day, at which shopping mall, and at what shopping mall, and the date of the credit card payment of the user 05. It is information including comprehensive product information and mileage information obtained by the user 05 from the Internet site by searching for comprehensive information on the above-listed information for the Internet.

The data of the shopping information research database (DB) 06 means information based on the closest information of users based on the research classification that is most realistic based on the internet shopping information performed on various internet sites, not surveys, to users 05. .

* The research form is created by passing user information from shopping information database 02 to research database 06, and not only a series of intimate information such as age, gender, region, education, income, and occupation, but also time, date, weather, and purchase. Research forms such as patterns, time spent in shopping malls, visit times, etc. are not inconvenient to users when they register for membership, but rather form a research form based on a series of conditions that are automatically generated when a user shops on the Internet. The research of this site is not based on the user's purchase activity in only one shopping mall, but research information is created based on everything, including many shopping malls on the Internet and off-line transaction activities.

The research information can generate statistics based on individual information such as age and gender, and can also generate statistical information about individual users. In addition, statistical information on the entire shopping mall can be obtained, and the user can create and view comprehensive information on which shopping malls are visited in which shopping malls, at what times, under what circumstances, and what products are purchased based on the above-listed information. .

For example, if research information is generated that women in their 20s who live in Seoul frequently go to the A shopping mall at 2 o'clock to purchase B goods when the weather is cloudy, the shopping malls that sell to women study the A shopping mall. It can be used as a resource to improve the matters.

Other shopping malls can also target one tier to sell and set their business direction based on detailed individual and comparative information in the research database 06 of this site.

On the other hand, when user 05 enters the web and executes our browser 04, the user first runs the household browser browser 04 of the site, authenticates the user, and then executes the household browser browser 04 (hereinafter referred to as browser). While you are on the go, you can always go with you and keep track of your shopping, mileage or financial changes.

The user information database (DB) 02 stores various personal details of the user 05 registered to receive the service of this site, shopping information on the Internet, financial changes, and mileage information that the user 05 can receive. The information of the browser 04 stored in the user information database DB 02 may include, for example, a user's name, financial changes of the user, a purchase history of the user, a shopping mall of the user, a payment date of the credit card, and a past date. It provides customized information for each user such as internet shopping information and mileage.

Accordingly, the user 05 can select and view his or her information through the browser 04.

The user 05 may search for and move a shopping mall on the Internet through the browser 04.

The shopping mall on the Internet is directly connected to the browser 04 in order to reduce the load of the site, and the user 05 moves.

In addition, the account book program 09 can be used to view the information in the directory database 03 by running the account book program on his or her computer. The account book program 09 is configured and used as an offline account book form in the form of real life.

In the bookkeeping program 09, all the financial matters online are automatically filled in with information in the directory database (DB) 03 according to the bookkeeping book, and the user writes only the things he has done offline. The amount of money is calculated immediately upon entry into the account book so that the user can easily use the account book.

4 is a flowchart illustrating an account book browser service control according to an exemplary embodiment of the present invention.

Referring to Figure 4 describes the Internet automatic account book service control operation according to an embodiment of the present invention.

First, when the user 05 executes the browser 04 in step 101 of FIG. 4 and performs internet web surfing, the user 05 stored in the user information database 02 based on the user information determined in the member login step is the first time in step 102 of FIG. The information accumulated before the shopping information action, such as shopping or mileage, and the shopping mall events or events are stored in the directory database 03, and the information is divided by the functions of the browser 04. Accordingly, the user information database 02 continuously monitors the shopping mall database 01 in order to determine whether the information of step 104 of FIG. 4, in which the user 05 purchases a product or makes a financial transaction, enters. Here, the database 01 of the negotiated shopping mall informs the shopping information database 02 every time the user 05's action occurs, such as product purchase mileage performed by the user of this site in the negotiated shopping mall. When step 104 of FIG. 4 occurs, the shopping mall database 02 executes shopping information through step 106 of FIG. 4 of the user 05 in step 108 of FIG. 4. The user's shopping information is made into data under the conditions of research database 06, and after step 110, the user proceeds to step 111 using the collected data and information.

In step 108, the information stored in step 108 is stored in the directory database 03 according to each function of the information in the directory database 03 according to the browser 04 function, and the location information of the shopping information in the shopping information database 02 is extracted for each classified and stored directory. Saving. In step 113, the user information according to the item of browser 04 is imported, so that user 05 can check his or her own information at any time. In step 113, if the desired information is selected through the browser 04, the selected browser is selected in step 115. Display shopping information according to the item to user 05. The browser items that can be selected include items such as 116 steps, today's 117 purchase information items at various online shopping malls, date of purchase of total items so far, by shopping mall, and 118 mileage management functions. Now 05 can be checked from time to time.

In addition to the steps 116, 117, and 118 that can be checked in the browser, the user 05 can check his shopping information offline by using the household account book program 09 of 119 installed on his computer. Since the household account book program 09 is also provided with the shopping information directory in the directory database 03, the user can check his / her shopping information online using the browser 04 or the household account book program 09, and automatically writes the online household account book.

In step 119, the user checks his / her online account book and fills out the offline information of step 120, and writes the account book by connecting both online and offline to the account book program 09 at the same time.

The bookkeeping program 09 automatically uses all calculations, sorts, and charts of offline items and operates the bookkeeping book together with online shopping information.

The shopping information of each user stored in step 108 is stored in the shopping information research database 06 considering various research items, and proceeds to step 110. When moving from step 108 to step 110, shopping research is created and stored in step 110 according to the user's various basics (gender, age, region, occupation, etc.) and the conditions of the weather, season, day of the week, date, etc.

In step 111, the research information of step 110 is used in a form such as shopping mall consulting or data provision in the future.

When the user surfs the web without using the browser in step 101, when the shopping information of the user is generated and sent from the negotiated shopping mall database 01 when the user performs the step 104, the shopping mall database continuously monitors each user's shopping information. Save the contents of step 104 directly to 02. After that, even when the user surfs the web without using the browser, the shopping information of the user goes through the steps 106, 108, 112, and 110, and the shopping information data is stored and processed in this site. Lose. When user 05 performs step 103 at a non-contracted shopping mall that is not a negotiated shopping mall, the browser compares the list of shopping malls stored in the agreement shopping mall database 20 to inform the user that the shopping mall is not a negotiated shopping mall. When a product is purchased or a financial transaction is performed in a step, the non-contracted shopping mall sends the user's purchase information to a bank or a card company in order to charge the user's money and requests an amount for the user's 05 matter. In step 103, the user information of this site, which has passed through the non-contract shopping mall in step 105, is read through the user shopping information database 02 which continuously monitors user information sent from a bank or a card company. The user information read in step 105 is stored in the user shopping information database 02 in step 108, and the shopping mall name written in the shopping information of the user 05 in step 109 is entered in the shopping mall information database 20 in agreement with the main site. The comparison is made to determine whether the shopping mall is in agreement with the website. If the shopping mall is not in agreement with this site, in step 109, the mail system is sent to the non-contracted shopping mall by using the mail system 21 of the site to induce a contract with the main site. Our advantages are listed and described in the non-contracted shopping mall, and the non-contracted shopping mall allows the account book browser 04 or the household account book program 09 to be filled out without the link function of the shopping mall.

When the user performs step 103 in the non-contracted shopping mall without executing the browser 04, the browser is automatically compared to the non-contracted shopping mall by comparing the url of the shopping mall stored in the convention shopping mall database 20 of this site with the user's shopping mall. It is activated to inform the user that it is an unconventional shopping mall.

The Internet on / off line integrated electronic account book business model system described above is not a model that is applied to only one shopping mall, but the user's financial activities such as a user's credit card, electronic payment system, Giro, bank account, etc. can be applied by data. It applies to all series of things.

When there is one information storage medium that users can check and save in their financial activities, the scalability of the internet on / off line integrated electronic account book is used by banks, credit card companies, and electronic payment system companies.

Referring to the matters applied to the basic system diagram, Figure 5 is a system configuration diagram for an embodiment of the Internet on / off line electronic household account for the card company.

User 03, off-line transaction 13, cash service 14 using electronic terminals, shopping mall financial changes 15, shopping information database 16, payment processing system 17, each card company 18, payment processing database 19 Based on the use of credit card in on / off line, the shopping information database 02, which stores information, is applied to the system of integrated electronic account of internet on / off line.

When the user receives the cash service 14 using the ATM terminal in the offline area, the information such as the user's card number, date and amount is transferred to the card company 18, and the cash service is processed and the processed user's information is sent to the card processing database of the card company. Will be saved.

When user 05 makes an offline transaction 13, the user's information is sent to the card company from the offline store or account in the form of information on the receipt of the customer, amount, item, date, etc., and the card company pays for the billing. After that, the transaction information for each user is stored in the credit card processing database 19 of the card company. When the user 05 purchases the product at the shopping mall 15 on the Internet, each shopping mall 15 stores information about its members in the shopping information database 16. When a user purchases an item using a card, the goods or financial matters processed by the shopping mall are billed to the card company 18 using the payment system 17 to charge the card company and the item according to the card number and item information. . The card company stores each user change in the billing database in the billing database 19 and pays the shopping mall for the billing. Cash service 14, offline transaction 13, shopping mall 15, etc. send detailed information of the user to the card company 18 in order to charge the user or member for the purchase of goods or monetary changes using the card. After paying for, the user's payment processing information using their cards is stored in the payment processing database 19. The website's Internet on / off line integrated electronic account book system allows the user's information from the card company to be assigned to the user information database 02 and accumulated. In the step of assigning a classification code, duplicate information of the same user selects only one information and absorbs duplicate information into the same existing information.

Figure 6 is an application of the Internet on / off line electronic account book system in the bank.

If a user uses a credit card to generate shopping information or monetary changes, and the money is spent on the bank's user account, and information processing such as Giro or bank transfer appears, the bank will display the user's account in the user's account database. The account information of the user including the financial changes is made into a database and stored in the user account information database. The stored account information is sent to the user information database of this site, and the information on each user information is classified and organized and stored in the user information database 02 according to each item.

7 is a flowchart of applying the Internet on / off line electronic account book system to the card company.

If user 05 performs step 1) to receive cash service, the user must use step 202 of the credit card. When the user uses a credit card, in step 202, the user's information and money changes are transferred to the ATM terminal. In step 203, the cash information is paid to the ATM terminal by comparing the user's existing personal information stored on the ATM terminal with the network information. When the payment is completed, the payment information will be notified to the card company.

2) If user 05 performs step 206 using the card to pay after performing the offline transaction step 205, the user checks the user's credit information between the card company and the offline store through the card terminal, and then pays from the user's card. Is made. When the card payment is made, the user's transaction information is sent to the card company, and the user is issued a receipt for his transaction details.

The offline store performs step 207 to charge the card company based on the transaction information of the user, and proceeds to step 208 in which the actual information is notified to the card company and bills.

3) When a user makes a purchase or monetary activity in a shopping mall using a computer 210, the unique information of the user's credit card or electronic card is entered into the electronic shopping mall, and the shopping mall notifies the card company to search for the correct user. Thereafter, the goods are sent to the user based on the purchase information of the user, and the shopping information according to the user's purchase of the goods or the financial change is constructed in a database and stored in step 211. Step 213 is performed to notify the user of the purchase information while performing step 212 of processing the payment to the card company by using the payment processing system of the shopping mall for the payment according to the purchase or the financial change made by the user. In step 214, the card company compares the amount and purchase information charged in the cash service, offline transaction, shopping mall use performed by the user 05 with the information of the user received by the card company when the user uses the card. If the information in step 215 and step 214 coincide with each other, the card company builds a database of the payment of the bill and the user's payment in step 217. The database constructed in step 217 is classified into a form suitable for a browser or an account book in step 218 and stored in a user information database for each product.

8 is a flowchart in which the Internet on / off line electronic account book system is applied to a bank.

The card company pays the bills for the various transactions of the user, and collects the loan funds using the user's account and the giro. In step 302, the card company asks the bank for the user card, and in step 303, the card is paid in the account designated by the user or the user pays the money using giro. In step 304, the user is presented with user information such as payment of various taxes, income from the use of deposits and withdrawals, direct debit, direct debit, payment, or transactions using home banking, and a database is established for various other matters. do.

9 is a configuration diagram in which the Internet on / off line electronic account book system is integratedly applied.

Figures 3, 5, 6 and 7 and flowcharts 4, 8 and 9 are applied to the various systems of society where user information is generated.

Descriptions of the configuration diagrams are given in the configuration diagrams 3, 5, 6 and 7 and the flowcharts 4, 8 and 9.

10 is a flowchart of classifying and storing information generated at a shopping mall, a card company, and a bank in each database.

In step 401, shopping and monetary information entered into the site through a shopping mall, a bank, or a card company is classified and written in step 402 according to each item of the database before being stored in the user information database 02 in step 108. In step 403, the shopping and the financial information correspond to the name of the shopping mall where the user made money activities, the shopping payment date written by the user, the name of the offline store, the date of purchase activity, the type of card used and the name of the card company, At the time of the purchase, the record and withdrawal of the cash service by the user using the ATM, the history of income coming into the user's account, the expenditure to the user's account or branch, the user's money or online card Your mileage or reserve status, the type and name of the item you have purchased, the price of the item or the online fee, the input / output content from the bank account or giro, or the time of purchase Weather, environmental requirements, and the number of companies that will be listed in the user's household To each classified according to the time to the information stored in the user database 02-108 pricing code phase with respect to each classified information is to build a database.

Before moving to directory database 03 from step 108 to step 112, the code of the user information database 02 is moved to the classification method of the directory database 03 according to the account book or the browser function so that the information remains in the user information database 02. Only directories marked with will be classified and stored.

When the user's information is generated and all information is classified, coded, and stored in step 108, the name of the shopping mall used by the user or the name of the card company used is extracted from the stored information, and the shopping malls stored in the convention shopping mall database 20 are stored. Make a comparison.

If it turns out to be an agreed shopping mall, the directory of all the contents stored in the user information database 02 will be displayed according to the classification of the directory database 03. The information is classified into functions and stored in step 112 or classified into information for each form according to the household account program. Here, when the information of the user database 02 is classified into a directory, a link function is added to each item so that users can move freely where they want to go online. By using this, a shopping mall creates a greater effect than an online advertisement because the shopping mall always sees their shopping mall and purchase items whenever users view their browser or household account program.

If the user's information in the non-contracted shopping mall is heard, the directory database of step 112 is compared to the shopping mall stored in the convention shopping mall database 20. The mileage information of the shopping mall disappears, and the user simply sees the item, price, and other financial transactions that he / she has purchased.

In the account book program or the browser, all the transaction items, the payment date, and other contents stored in the user information database 02 are displayed according to the matters of the account book program, which is configured in a form such as the step 405 or the real life account book.

In step 405, the user can always check the classification structure using the browser, and all the information that the user can know such as the information of the shopping mall, the information of the card company, and the information of the bank are filled in.

In addition, the user information classified and stored in the user information database 02 goes to step 110 and is stored in the research database 06 to be used as consulting or marketing data in various shopping malls, card companies and banks.

Before the user information is stored in the database and stored in the research database 06, the items in the user information database 02 are classified according to the research form in step 404 so that the form can be written according to various matters. It is done. As shown in step 406, the information in the user information database 02 is first constructed into a research form for individual matters before being made into research. The research form configured here is automatically categorized as the user's general information as well as all the series of things the user has done online and offline.

The research forms individually organized in step 407 may be sequentially checked through a result search. For example, after the statistics of people in their 20s, select shopping mall, use card company statistics, select regional statistics, select next date, select next gender, and so on. Research classified forms are organized so that a detailed research search can be carried out in order to conduct detailed research on the male's statistics that occurred on several days of using a certain shopping mall.

Therefore, it is possible to research and analyze several projects based on all detailed statistics and apply them to one detailed business area as the basis, or to set up the online and offline business directions by looking at one integrated statistics.

The individual and statistical research forms created in step 407 are stored in research database 06 in step 110 and are used as a basis for providing data or consulting to shopping malls, card companies and banks in step 111.

FIG. 11 is a diagram illustrating a method of web shopping by using the account book browser 4 downloaded and accessed by the user.

When the account book browser 4 is installed on the user's computer, the account book browser icon is displayed on the user's computer in the form of a small icon.

When the user clicks the icon (s11), when the icon is clicked (s11), the account book browser 4 is displayed and activated (s12), and when the account book browser 4 is activated (s12), the user 5,6 A process of inputting information (s13), a process of shopping at a shopping mall (s14) using an account book browser 4 in which the user's information is input (s13), and the purchase contents when the user purchases an item at the shopping mall A process (s15) entered into the database of this site, a process of clicking (s16) the today button 8 to confirm the goods which the user purchases today, and the data (9) of the account book browser. Process to be displayed on the screen (s17), and when the data is displayed on the screen (s17), the user 5 and 6 check the contents through the browser screen (9), and the contents are automatically input to the account book program 7 (s19). Is a flowchart showing the process of becoming.

In the user information input process (s13), a user downloads the account book browser 4 from this site in order to register as a member of the operator site and receives the service and stores it in the user's computer. It is a process to provide information suitable for the user by checking whether it is.

When the user is shopping at our contracted shopping mall (s14), if the user's actions at the time of the user's purchase or other monetary activity are stored in the shopping mall database 2, Shopping information is automatically linked to the account book database (s03), so even if the user himself purchases several items in various shopping malls, he / she can check his / her purchase contents through the screen 10 where the user can always immediately check what and where he / she bought. It is a process.

When the user purchases goods at various shopping malls (s14), the contents are displayed on the account book browser 10 (s17) and the contents registered in the account book database 1 of this site are immediately input to the account book program 7. The contents are automatically filled in (s19) as if the household account book is used in real life.

12 is a process in which a user searches data to confirm his purchase information so far

When the user clicks the icon (s11), when the icon is clicked (s11), the account book browser 4 is displayed and activated (s12), and when the account book browser 4 is activated (s12), the user 5,6 A process of inputting information of the user (s13), a process of shopping at a shopping mall (s14) using an account book browser 4 in which the user's information is input (s13), and all the shopping contents of the user are converted into data. Storing the data in database 1 (s25), clicking the total button 11 to confirm the total purchases by the user (s26), and displaying the data on the screen 12 of the account book browser (s17). And, if the data is displayed (s17), the user 5,6 is a flow chart showing a process of checking the contents through the browser screen 12.

When a user registered as a member of the site performs shopping or monetary activities at various shopping malls, the information is always stored in a database (s25) so that the user can know the contents at any time.

If you do not fill in all the details of what you have done so far, such as the price of each shopping mall, the date of payment by the date of the shopping, the user can use the browser 12 exclusively for the household account book using the database 1 of the website that is automatically saved. You can check at any time within this site.

FIG. 13 is a flowchart and a basic display screen showing information when a user shopping using electronic commerce on the Internet using a computer, or when a financial transaction or other mileage or reserve occurs.

When the user clicks the icon (s11), when the icon is clicked (s11), the account book browser 4 is displayed and activated (s12), and when the account book browser 4 is activated (s12), the user 5,6 A process of inputting information (s13), a process of shopping at a shopping mall (s14) using an account book browser 4 in which the user's information is input (s13), a user purchasing goods or other financial or When the mileage type data is generated (s35) is entered into the database of this site, the user clicks the mileage button 17 to check the mileage (s36), and the data is displayed on the account book browser screen 18 is displayed on the screen s17, and when the data is displayed on the screen s17, users 5 and 6 indicate a process of checking the contents through the browser screen 18. Is a flowchart.

The displayed data information can also be checked (s19) in the account book program.

As described above, in the present invention, 1) the user can efficiently manage his / her own funds (; Internet and electronic commerce and mileage target sites, banks, credit card companies, etc.) and all intangible and intangible transaction items and amounts accumulated in the electronic account book Each person can always check the total amount of money spent until the payment date.This electronic household booklet is displayed in a window or internet site map in the form of an instant messenger with a bookmark function. It allows for planned spending in consideration of the cost, and because it can replace existing households and add the planned households offline, it shows the coherent urbanization of the spending plan for each individual by on / off line. Prevent unnecessary expenses and enable efficient life planning 2) Enhance internet transaction confirmation function (financial transaction facts are stored in the electronics account as soon as the financial settlement is made after all types and intangible product transactions on the Internet e-commerce). Reconfirmable.), 3) Bank account or card expenditure details are listed in the household account, so no separate bankbook and card management is necessary. 4) Using the bookmark function in the household account book browser, you can find frequently visited sites (shopping mall, mileage site). 5) It is a function to manage expenditure and accumulation of numerous mileages (electronic money) existing on the Internet. By real-time checking, the value of electronic money that is easy to be neglected can be realized more realistically. It simplifies the inconvenience that individuals have to visit the sites they have subscribed to and find out how much they have accumulated.It is a function that encourages people to find the related sites that they can find once again by showing the status of reserves at all times. 6) Maximizes the effectiveness of site advertisements. 6) The user can always see the target site, item and amount, mileage status, and destination site presented in the account book. Advertisement effect can be brought, and the bookmark function in the household browser can be used to induce the user to frequently search for the target site, and 4) e-commerce consulting and advertising alliance using the built-in product purchase research database. Such as to enable the effect.

Claims (5)

Acquiring, by the server (1), at least one card company server (2) and at least one bank server (2) and at least one bank company (2) through the Internet network (3) the card payment information of the customer and the details of deposit and withdrawal of the bank account; And The information on the Internet network 3 is output such that the card usage information of the customer and the deposit and withdrawal history information of the bank account obtained by the server 1 are output through the account book browser 4 or the account book program 7 installed in the customer terminal. Providing to the account book browser (4) or account book program (7) through the electronic account book providing method comprising a. Acquiring, by the server (1), at least one card company server (2) or at least one or more bank servers (2) or at least one bank company (2) through the Internet network (3) of the customer's card usage information or bank statement; And The server 1 outputs the information such that the card usage information of the customer or the deposit and withdrawal history information of the bank account is output through the account book browser 4 or the account book program 7 installed in the customer terminal. Providing to the account book browser (4) or account book program (7) through the electronic account book providing method comprising a. The method according to claim 1 or 2, The account book browser 4 displays the information through the Internet network 3 so that the mileage information or the bill payment information of the customer is output through the account book browser 4 or the account book program 7 installed in the customer terminal in the server 1. Or providing to the account book program (7). The method according to claim 1 or 2, Electronic account book providing method characterized in that it further comprises the step of displaying the money deposit and withdrawal details of the customer input through the predetermined key input means provided in the customer terminal in the account book program (7). The method according to claim 1 or 2, And generating the total income and total expenditure information for the predetermined period of the customer in the account book browser 4 or the account book program 7 and displaying the generated total income and total expenditure information. Electronic household account book providing method.

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