KR100966722B1 - Use information enquirg system by user account of application and banking management system using mo service in mobile - Google Patents

Abstract

The present invention relates to a method and system for querying usage information for each user account of an application service and a financial transaction management system using a MO (Mobile Oriented) message service in a mobile communication terminal. Regardless, there is an advantage that the user can search the information of the user account (for example, ID, financial account, etc.) by using the MO message service of the mobile communication terminal.

To this end, in the mobile communication terminal according to the present invention, the usage information inquiry method for each user account of the application service and the financial transaction management system using the MO message service includes: (a) usage information including transaction, financial transaction, and national administrative processing service; Receiving a virtual telephone number for receiving a MO message from a main communication service provider in the MO reception management system that provides a service capable of inquiring information) using the MO message service of the mobile communication terminal; (b) receiving information including application information for each use information search item and financial transaction DB name, search item, and search condition from the MO reception management system, and setting and registering the use information search item for each user account; (c) Application service management system and financial transaction system such as ID, customer, branch code, financial account, etc. of the user (user information query) received from the MO reception management system by applying for usage information inquiry service for each user account using MO message service Registering information including a user account and a user (sender) phone number and password classified and managed in the; (d) transmitting a MO message from the user's terminal; (e) searching whether the virtual telephone number corresponding to the received number of the MO message is registered in the server of the telecommunication service provider, and if the virtual telephone number is registered, the MO to the MO reception management system of the corresponding virtual telephone number. Transmitting the message and processing the general message transmission service if there is no virtual telephone number; (f) When the MO message is received from the server of the telecommunication service provider in the MO reception management system, it is searched whether the calling party telephone number (calling number) of the MO message is a registered service use applicant (member), Or after the service is sent to the calling number and the service is terminated, and if the registered member extracts the searched user account (ID, financial account) information, proceeding to the next step (g); (g) Parsing the received MO message, extracting a user information search item, and using the extracted user information search item, searching for a corresponding user information classification DB and applying an application (financial transaction) database to the registered user information item. Extract information including name, search item, and search condition, and if the use information search item is not registered in the use information classification DB, send a guide message to the calling number, terminate the service, and use the use information classification DB. Proceeding to the next step (h) if the use information search item is registered in the; (h) The user in the application information (transaction information) DB of the application system and the financial transaction system based on the user account of the user in the MO receiving management system and the search condition data including the use information and the search period, the search conditions Retrieving and extracting usage information of the; And (i) if there is no search result usage information, terminates the service after transmitting a guide message to the calling number, and if there is the usage information, edits the search result data according to the message transmission standard and sends it to the calling number and sends the result. Storing; characterized in that it comprises a.

Mobile terminal, MO, message, text, account, usage information, inquiry

Description

USE INFORMATION ENQUIRG SYSTEM BY USER ACCOUNT OF APPLICATION AND BANKING MANAGEMENT SYSTEM USING MO SERVICE IN MOBILE}

The present invention relates to an application service using a MO (Mobile Oriented) message service in a mobile communication terminal, and a method and system for querying usage information for each user account of a financial transaction management system. Application service and finance using MO message service in mobile communication terminal inquiring user information by user account (ID, financial account) using MO text service in mobile communication terminal when user checks usage information in system and financial transaction management system The present invention relates to a method for querying usage information for each user account of a transaction management system and a system thereof.

Users (customers) who use the business management system operated by companies, organizations, or national subsidiaries and the financial transaction management system operated by financial institutions (banks, securities, insurance, credit card companies, etc.) are classified by account (ID, financial account, etc.). If you want to look up the use information or transaction information managed by using a mobile communication terminal, search the desired information by accessing with the ID registered in advance in the mobile management system of the corresponding operation institution through the main communication network or It is possible to handle related tasks.

However, such a conventional system has a disadvantage in that it is impossible to access other than a specific terminal which has an alliance with a mobile management system of an operating organization. In addition, even if a customer wants to inquire a simple usage history and transaction history, the access method is different or complicated for each carrier, and the reasons for the limited operation of the mobile communication terminal and the excessive generation of wireless internet charges. It is not generalized but operates on a limited basis. In particular, the use of middle-aged people is low, and even a small number of young people are mainly used for some purposes.

Today, backbone telecommunications services are very popular and can be used anywhere, anytime. However, mobile communication terminals can be used to search the usage history and transaction details generated by commerce, financial transactions, and national administrative services. The service is not provided. For this reason, wireless Internet service in backbone network has great advantages in efficiency and convenience, but it is not popularized.

In addition, since wireless Internet service in the main communication network has various and different implementation functions and specifications according to the main communication service provider and the terminal model, for the operator who constructs and operates the wireless Internet business processing system, various connection environments by operator and terminal model are available. Has been built and operated. In particular, since some older terminals cannot access the system, both the operation manager and the user have inconveniences and difficulties.

It is an information retrieval function using MO message service (SMS) in a mobile communication terminal. It is simple to input and transmit a search keyword, receive it from a specific search system, and then search for information corresponding to the keyword and transmit it to the requested sender mobile communication terminal. Information keyword retrieval service methods have been proposed and implemented, but there was no retrieval method and service using MO message service for user-specific usage or transaction information managed in the system operated by each institution and organization for its own business purpose.

Accordingly, the present invention has been made to solve the above problems, the first object of the present invention is the use information (transaction information), such as the use history (transaction history) of commerce, financial transactions, national administrative processing services, etc. that occur in everyday life The present invention provides a method and system for querying usage information for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal capable of inquiring using a MO message service of a mobile communication terminal.

The second object of the present invention is to provide information of a user account (for example, ID, financial account, etc.) by using the MO message service of the mobile communication terminal regardless of the use place, use time, telecommunication company, and terminal model. The present invention provides a method and system for querying usage information for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal capable of inquiring.

According to a third object of the present invention, when a user wants to search the usage information of a user account (ID, financial account, etc.), a text message (SMS) is set by dividing and setting information classification, password, and inquiry condition into an item separator. The present invention provides a method and system for querying usage information for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal capable of inquiring usage information for each user account by way of editing transmission.

The fourth object of the present invention is to use the MO message service of the mobile communication terminal not only universally available, but also easy to use, simple to use procedures and low cost of communication at the same time multiple surveys in the mobile communication terminal The present invention provides a method and system for querying usage information for each user account of an application service and a financial transaction management system using MO message service.

In the mobile communication terminal according to the present invention for achieving the above object, the application information search method using the MO message service and the user account of the financial transaction management system includes (a) commerce, financial transactions, and national administrative processing services. Receiving and registering a virtual message number for receiving a MO message from a main communication service provider in a MO reception management system that provides a service for querying usage information (transaction information) using a MO message service of a mobile communication terminal; (b) receiving information including application information for each use information search item and financial transaction DB name, search item, and search condition from the MO reception management system, and setting and registering the use information search item for each user account; (c) Application service management system and financial transaction system such as ID, customer, branch code, financial account, etc. of the user (user information query) received from the MO reception management system by applying for usage information inquiry service for each user account using MO message service Registering information including a user account and a user (sender) phone number and password classified and managed in the; (d) transmitting a MO message from the user's terminal; (e) searching whether the virtual telephone number corresponding to the received number of the MO message is registered at the server of the telecommunication service provider, and if the virtual telephone number is registered, the MO message to the MO reception management system of the corresponding virtual telephone number. Transmitting and processing a general message transmission service if there is no virtual phone number; (f) When the MO message is received from the server of the telecommunication service provider in the MO reception management system, it is searched whether the calling party telephone number (calling number) of the MO message is a registered service use applicant (member), Or after the service is sent to the calling number and the service is terminated, and if the registered member extracts the searched user account (ID, financial account) information, proceeding to the next step (g); (g) Parsing the received MO message, extracting a user information search item, and using the extracted user information search item, searching for a corresponding user information classification DB and applying an application (financial transaction) database to the registered user information item. Extract information including name, search item, and search condition, and if the use information search item is not registered in the use information classification DB, send a guide message to the calling number, terminate the service, and use the use information classification DB. Proceeding to the next step (h) if the use information search item is registered in the; (h) The user in the application information (transaction information) DB of the application system and the financial transaction system based on the user account of the user in the MO receiving management system and the search condition data including the use information and the search period, the search conditions Retrieving and extracting usage information of the; And (i) if there is no search result usage information, terminates the service after transmitting a guide message to the calling number, and if there is the usage information, edits the search result data according to the message transmission standard and sends it to the calling number and sends the result. Storing; characterized in that it comprises a.

The MO message transmitted from the terminal of the user to the MO reception management system includes a usage information classification, a search period condition, a search condition, and a password, and the search condition is a search condition calculator (*: AND, +: OR,>: Large, <: small, =: equal to, etc.), and an item separator (#) is provided between each item of the use information classification, search period condition, search condition, and password.

In the step (i), the transmission message transmitted to the calling number is prepared using the search result data using any one of message transmission standards including SMS, MMS, VMS, and URL-SMS according to data size and data format. It is done.

In addition, in the mobile communication terminal according to the present invention for achieving the above object, the user information usage system for each user account of the application service and financial transaction management system using the MO message service, the virtual communication number for receiving the MO message to the main communication service provider Application management system such as user's ID, customer account, branch code, financial account, etc. after receiving one or more registrations and receiving user information (transaction information) inquiry service using user's (user information query) by using MO message service Registers information including user accounts, user (senders) phone numbers and passwords classified and managed in the financial transaction system (use system), DB name, search item, and search for application service and financial transaction by operation information search item from the administrator. Register by inputting the information including the conditions, and set the usage information inquiry items for each user account. When the MO message is received from the user through the telecommunication service provider, it is determined whether the outgoing telephone number (calling number) of the MO message is a registered service use applicant (member), and the parsed MO message is parsed. Extract the user information search item, search the relevant user information classification DB using the extracted user information search item, and find information including the application business (financial transaction) DB name, search item, and search conditions for the registered user information item. Extract, and if the use information search item is not registered in the use information classification database, sends a guide message to the calling number and ends the service, and if the use information search item is registered in the use information classification DB, Based on the user's user account, user information, and search condition data, the user's user information is searched in the DB of the relevant user system. Edited for transmission to the data in the message transmission standard to the calling number, the MO receives management system for storing the transfer result; Set the usage information inquiry service providing item in the MO reception management system and register it as the usage information, and provide the usage information inquiry service through the MO reception management system only for the registered information, and use information item DB when registering the usage information. A plurality of application task management systems and financial transaction management systems that register and manage tables, usage information items, item values, period search items, search items, and the like; A plurality of user information query (user) terminals for requesting the use information of the use system to the MO message and receiving the use information requested from the MO reception management system as a message after registering a member to the MO reception management system; And assigning one or more virtual phone numbers for receiving the MO message upon application of the MO reception management system, receiving a MO message from the user's terminal, and registering a virtual phone number corresponding to the received number of the MO message. Search for and transmit the MO message to the MO reception management system of the corresponding virtual telephone number if the virtual telephone number corresponding to the received number is registered, and if there is no virtual telephone number corresponding to the received number, process the general message transmission service. And receiving a transmission message from the MO reception management system and transmitting a server to a calling number of the user terminal.

The MO reception management system includes a service application reception management module for receiving service related information such as service application, change, and termination from the user and service registration information such as a caller's phone number, a user account, and a password and registering the service registration information in a user applicant DB; Receives usage information inquiry MO message from the user, retrieves the calling party number, checks whether to use the service, parses the MO message, and classifies it into usage information, search period, search condition, password, etc. according to message composition criteria. And a MO receiving character management module for verifying whether or not the password is matched and calling the search module to search for the corresponding data. A search module for searching the corresponding information requested by the MO reception management module and extracting a search result using data such as user information of the user applicant DB and user information classified in the MO message, search period, search condition, and password; ; A search result editing module for editing the search results by message type according to the data size and data type of the data searched and extracted by the search module; And a message transmission module for transmitting a message edited for each message type in the search result editing module and a notification message to be transmitted to the user, and storing a message transmission result in a DB. The MO reception management server includes: A user applicant DB, which operates in association with a management server, registers and manages service related information and service registration information input from the user; A user information classification DB for registering and managing a user information inquiry item including a user inquiry item, a DB name for each inquiry item, a inquiry condition, and an inquiry period item; A service providing DB for registering and managing a use record of the use information inquiry service for each user; And a MO reception number management DB for allocating, registering, and managing a MO reception number for each of the use systems used by the user.

The MO message transmitted from the terminal of the user to the MO reception management system includes a usage information classification, a search period condition, a search condition, and a password, and the search condition is a search condition calculator (*: AND, +: OR,>: Large, <: small, =: equal to, etc.), and an item separator (#) is provided between each item of the use information classification, search period condition, search condition, and password.

According to a method and system for querying user information of an application service and a financial transaction management system using a MO message service in a mobile communication terminal according to the present invention, a user wants to inquire usage information of a user account (ID, financial account). In this case, the user can specify the information and condition to search and search by using the user account by implementing the method of editing and sending the text message (SMS) by setting the information classification, password and inquiry condition to be searched by the item separator. Information can be inquired.

In addition, by using a text message (SMS) service that is widely used, it is a text transmission method that is applied and operated in a single standard common to all terminals, and can be used in all mobile communication terminals. By using the simple inquiry procedure and providing the inquiry environment with low communication cost, the use information and transaction by application account management system such as commerce, financial transaction, national administrative processing business and user account (ID, financial account) of financial transaction management system Information can be easily retrieved.

In addition, the inquiry method using the text message (SMS) of the present invention is very simple to use, compared to the wireless Internet service using procedure of the main communication network, anyone can easily use, and can be used universally.

In addition, regardless of the location, time of use, telecommunications company, and terminal model, the user can search the information of the user account (eg, ID, financial account, etc.) using the MO message service of the mobile communication terminal. .

In addition, when a user wants to search the usage information of a user account (ID, financial account, etc.), the information classification, password, and query condition to be searched are set by the item separator to edit and transmit a text message (SMS). User information by user account can be inquired.

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

User Information Inquiry System by User Account

1 is a block diagram of a usage information inquiry system for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal according to an exemplary embodiment of the present invention.

As shown in FIG. 1, the user information search system for each user account includes a plurality of application task management systems and financial transaction management systems 100 each having a use transaction information server 110 and a use information classification DB 120. And a MO reception management system having a MO (Mobile Oriented) reception management server 210 and a user applicant DB 220, a user information classification DB 221, a service providing DB 222, and a MO reception DB 223 ( 200), a server 300 of the plurality of telecommunication service providers, and a plurality of usage information query terminal 400.

First, the plurality of application tasks management system and financial transaction management system 100 is a system for providing the use information (transaction information), such as commerce, financial transactions, national administrative processing services used by the user in everyday life, Set the usage information inquiry service providing item in the MO reception management system 200 and register it as the usage information, and provide the usage information inquiry service through the MO reception management system 200 limited to the registered information. Register and manage DB table, usage information item, item value, period search item, search item, etc.

Subsequently, the MO reception management system 200 transmits usage information (transaction information), such as usage history (transaction history), such as commerce, financial transaction, and national administrative processing, which occur in a daily life of a user. An operator's system for providing a user information search service for each user account using a MO message service of a mobile communication terminal which can be queried using a message service, and includes a MO reception management server 210.

The MO reception management server 210 receives and registers one or more virtual phone numbers for receiving MO messages to a main communication service provider, and uses user information for each user account (transaction information) using a MO message service from a user (user information query). Registered information including user account, user's (caller's) phone number and password which are classified and managed in the application management system and financial transaction system (user system) such as user's ID, customer account, store code, financial account, etc. And receive and register information including application name and financial transaction DB name, search item, and search condition for each user information search item from the operation manager of the MO reception management system 200, and set user information search item for each user account. Register. When the MO message is received from the user through the telecommunication service provider, it is searched whether the calling telephone number (calling number) of the MO message is a registered service use applicant (member), and the parsed MO message is parsed. Extraction of the usage information search item and search the relevant user information classification DB using the extracted information search item to extract information including the application business (financial transaction) DB name, search item, and search conditions for the registered user information item If the use information search item is not registered in the use information classification DB, the service message is terminated after sending a guide message to the calling number, and if the use information search item is registered in the use information classification DB, the user Based on the user account, user information, and search condition data of the relevant user system (application management system, financial transaction management system) By searching for the use of information of a user search results, the message transmission specification data and edited for (e. G., SMS, MMS, VMS, such as URL-SMS) and sent to the calling number and serves to store transmission results. To this end, the MO reception management server 210 is a user application reception management module 211, MO reception character management module 212, search result editing module 213, message transmission module 214, search module 215 And the like.

Here, the user application reception management module 211 receives service-related information such as service application, change, termination, and service registration information such as a caller's telephone number, a user account, and a password from the user, the user applicant DB (220). Register at

The MO receiving character management module 212 receives a usage information (transaction information) inquiry MO message from the user, retrieves a calling party number, confirms whether to use a service, and parses the MO message to compose a message. According to the classification, such as the use information, search period, search conditions, password, and verify whether the password is matched and the search module 215 is called to search for the corresponding data.

The search result editing module 213 edits the search results for each message type according to the data size and data type of the data searched and extracted by the search module 215.

The message transmission module 214 transmits a message edited for each message type in the search result editing module 213 and a notification message to be transmitted to the user, and stores the message transmission result in a DB.

The search module 215 uses the user information of the user requester DB 220 and data such as usage information, search period, search condition, and password classified in the MO message to search for the corresponding information requested by the MO reception management module. Search and extract the search results.

In addition, the MO reception management system 200 is used in conjunction with the MO reception management server 210, the application applicant DB 220, use information classification DB 221, service providing DB 222, MO receiving DB ( 223).

Here, the user applicant DB 220 registers and manages service related information and service registration information input from the user.

The use information classification DB 221 registers and manages the use information inquiry item including the inquiry item of the user, the DB name for each inquiry item, the inquiry condition, and the inquiry period item.

The service providing DB 222 registers and manages a usage record of the user-specific usage information inquiry service.

The MO receiving DB 223 registers and manages an application management system and a financial transaction management system used by the user by allocating an MO receiving number for each system.

On the other hand, in Figure 1 the server 300 of the plurality of telecommunication service providers is a server of the telecommunications service provider to provide a MO message service, the virtual message number for receiving the MO message by the application of the MO reception management system 200 Provide at least one of the plurality of services, receive a MO message from the user's terminal 400, search whether a virtual telephone number corresponding to the received number of the MO message is registered, and match the received number of the MO message. If the telephone number is registered, the message is transmitted to the MO reception management system 200 of the corresponding virtual telephone number, and if the virtual telephone number corresponding to the received number is not registered, the general message transmission service is processed.

Finally, the plurality of user information query (user) terminal 400 is a member registered in the MO reception management system 200 and then the user information of the application management system or the financial transaction management system 100 as a MO message Request and receives the requested usage information from the MO reception management system 200 in the corresponding message.

The MO reception management system 200 applies and receives a virtual number for MO reception from a main communication service provider, and then allocates and registers a virtual number for each application work management system and financial transaction management system 100 used by the user. The server 300 of the telecommunication service provider is connected to the communication network. In addition, the user receives the MO information from the users of the application management system and the financial transaction management system 100 using the MO message service, and receives and uses the usage information and transaction information inquiry service using the MO message service. Register with the management server 210, and register and manage as a user information query service user for each user account.

At this time, when applying for and using the user information and transaction information lookup service for each user account, it receives and registers a user account, a caller's telephone number, and a password. Here, the user account is an account managed by the application ID management system and financial transaction system, such as user ID, customer account, branch code, financial account, and the caller's telephone number is a telephone number set and registered by the mobile operator in the mobile communication terminal In addition, the password is a password that is operated for security authentication at the time of information inquiry.

In addition, the MO reception management system 200 provides a usage information and transaction information inquiry service based on the information registered in the user applicant DB 220.

The operator of the application management system and the financial transaction management system 100 sets a usage information (transaction information) inquiry service providing item in the MO reception management system 200 and registers it as the usage information, and limits the registered information. Provide usage information and transaction information inquiry service. At this time, the registration information of the DB table (TABLE), usage information item, item value, period search item, search item, etc. for each use information item is registered.

When the MO reception management system (or MO reception management server) 200 receives a usage information inquiry text message (SMS) from users (user requesters), the user applicant DB (caller number of the received text message) is used. 220, search for the unsubscribed caller ID by sending an information message (for example, "Your service request has not been registered. Please use it after checking."), And if the password does not match, Password is not correct. Please use after checking. "

The request for querying the usage information of the caller ID normally registered in the MO receiving management system 200 is parsed (PARSING) the received MO message and used for each item (use information classification, password, query condition) using an item separator. And classify and extract the user account (ID, financial account, etc.) applied and registered to the calling party's telephone number from the registered user requester DB 220 of the corresponding case, and use the user information classification DB 221 of the received MO message. By reading the registered DB information and searching the relevant DB of the application management system and the financial transaction management system 100 by the user account and the search conditions to extract the search results. The extracted result data is edited to a message transmission standard such as SMS, MMS, VMS, URL-SMS, etc. according to a data size and a data format to generate a transmission message, and then through the message transmission module 214. Transfer process to the calling party number of the user information query terminal 400.

On the other hand, when sending SMS (SMS) to the mobile communication terminal in the main telecommunication service provider network, the service is provided by applying the communication standard so that two numbers are generated and transmitted, and the user inputs the caller ID separately when sending the text. If not sent by the carrier, the number registered and opened in the terminal is designated as the calling party number, and the two numbers are displayed with the same number and transmitted. However, when sending a text message (SMS) by separately entering the sender number and the sender enters the number and the telephone company registered and registered to the mobile communication terminal and the carrier is assigned to each of the transmission process. In the present invention, by using the carrier number identified by the caller number based on the telephone number opened and registered in the mobile communication terminal to prevent theft use and personal information protection, and the phone number registered in the terminal is impossible to change arbitrarily It is safe for security and privacy management because it can not be arbitrarily changed or changed.

In the present invention, when using the (message) information inquiry using the text message (SMS) to write the item delimiter, use information classification, search conditions, password as the standard, using the application management system and financial transaction management system ( The operator of 100) sets the text message writing standard to notify the user of the set contents and writes them using the item delimiter set when the text message is written to the user.

MO receiving character management system 200 implemented in the present invention by setting and operating a virtual receiving number for each application management system and financial transaction management system 100 to a number of MO reception management system 200 It is possible to accept and operate an application business (financial transaction) management system.

In addition, the user writes a text message (SMS) that is created when a user information request is requested for each user account and sent to the MO receiving number, and is composed of "user information classification # period condition (search condition) # password". Depending on the application, the application can be extended.

When applied to a system operated by each institution and organization,

a) User Information Classification

Bank: Deposit, Withdraw, Withdrawal, Balance

Securities firms: order history, execution history, holdings

Credit card company: Payment details, authorization details

Insurance Company: Payment History, Payment History

Agency: Sales, Goods Receipt, Goods Issue, Collection, Revenue

Mall: order, shipping, stock

City Hall, Ward Office: Tax Notice, Tax Payment

Police Department: Fine Division, Fine Payment

b) search conditions (optional application)

It consists of a search term condition and a search condition.

Search period: Specify the number of days to search by number, from search date to a few days ago.

(Search condition): Specify the search target condition for the query item

c) Password (for optional option)

For the protection of personal information, a password is applied and the service is provided only when it matches the registered password. If the administrator does not set it, the password can be operated without applying the password.

Example: financial transaction information

How to search usage information by user account

2 is a flowchart illustrating a method for querying usage information for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal according to an exemplary embodiment of the present invention.

First, the main communication service provider in the MO reception management system 200 that provides a service that can query the use information (transaction information) such as commerce, financial transactions, national administrative processing services using the MO message service of the mobile communication terminal. It receives and registers a virtual phone number for receiving MO message from the network. In addition, the MO reception management system 200 receives and registers application information for each use information search item and information including financial transaction DB name, search item, and search condition from the system operation manager, and sets the use information search item for each user account. To register.

Subsequently, the MO reception management system 200 receives an application for using the usage information inquiry service for each user account using the MO message service, an application management system such as an ID, a customer, a store code, a financial account, and the like of a user (user information query); The information is registered in the financial transaction system (hereinafter, also referred to as a "use system"), including user accounts, user (sender) phone numbers, and passwords.

Next, a MO message is created in the user's terminal 400 and transmitted to the MO reception management system 200 (step S10).

At this time, the server 300 of the telecommunication service provider searches whether the virtual telephone number corresponding to the received number of the MO message transmitted from the user's terminal 400 is registered (step S20), and the virtual telephone number is registered. If (YES in step S20) transmits the MO message to the MO reception management system 200 of the corresponding virtual phone number, and if the virtual phone number is not registered ('NO' in step S10), the general message transmission service. Process (step S30).

Next, in the MO reception management system 200, when a MO message is received from the server 300 of the telecommunications service provider, the user applicant DB is searched and registered using the caller's telephone number (calling number) of the MO message. Search for the service use applicant (member) identification (steps S40 to S50). At this time, if not a registered member ('NO' in step S50) to create a guide message to the caller number (for example, 'number not applied for service', etc.) and send (steps S60 to S90), registered If the member (YES in step S50) retrieves the retrieved user account (ID, financial account) information to proceed to the next step (S100).

Next, the MO reception management system 200 parses the received MO message to extract a usage information search item, and searches the corresponding usage information classification DB using the extracted usage information search item to register a registered usage information item. Information including the application business (financial transaction) DB name, the search item, and the search condition is retrieved to find out whether the information of the application business system and the financial transaction system used by the user is registered (steps S100 to S110). In this case, if there is no information of the use system ('NO' in step S110), a guide message is written to the caller number (for example, 'the requested use information is not in the use information provided', etc.) and transmitted (step S110). S120, S70 to S90, if there is search result information of the use system (YES in step S110), the next step S130 is performed.

Next, the MO reception management system 200 uses the application information (transaction information) DB of the application system and the financial transaction system on the basis of the search condition data including the user account, the use information and the search period, and the search condition of the user. In step S130 to S140, the user's use information (transaction information) is searched and extracted to determine whether there is the use information. At this time, if there is no search result usage information ('NO' in step S140), a guide message is written to the calling number (for example, 'no use information', etc.) and transmitted (steps S150, S70 to S90). If there is the usage information ('YES' in step S140), the search result data is written into a transmission message (steps S170 to S190) and transmitted to the calling number (steps S200 to S220), and then the transmission result is provided in the service providing DB 222. In step S230.

In step S170 to S190, the transmission message transmitted to the calling number is generated using the search result data using any one of message transmission standards including SMS, MMS, VMS, and URL-SMS according to data size and data format. do.

MO message screen and usage information transmission message screen

3 and 4 are a view illustrating a MO message screen and a usage information search transmission message screen of a mobile communication terminal according to a user information usage method for each user account of an application service and a financial transaction management system according to the present invention, respectively.

First, the MO message screen of FIG. 3 is a MO message screen transmitted from the terminal 400 of the user information query user (user) to the MO reception management system 200. The user information classification, search period condition, search condition, password It is provided. In this case, the search condition includes a search condition calculator (*: AND, +: OR,>: large, <: small, =: equal, etc.), and the use information classification, search period condition, search condition, password Each item includes an item separator (#).

Next, the usage information retrieval transmission message screen of FIG. 4 is a transmission message screen transmitted from the MO reception management system 200 to the terminal 400 of the user, and includes a date, a name (place), and an amount of the usage information. Contains information.

Here, the MO message screen and the usage information retrieval transmission message screen shown in FIGS. 3 and 4 illustrate one embodiment of a usage information inquiry service method for each user account using the MO message service in a mobile communication terminal. It may be implemented differently according to information (transaction information), usage history, and the like.

The system applicable to the present invention is an application management system and financial transaction management system such as commerce, financial transaction, national administrative processing, etc., which support information management system for each user's or trader's account (ID, financial account, account, branch, etc.). Applicable to

The present invention is not limited to the above-described embodiments, and various modifications and changes can be made by those skilled in the art, which should be regarded as included in the spirit and scope of the present invention as defined in the appended claims. will be.

1 is a configuration diagram of a user information inquiry system for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal according to an embodiment of the present invention.

2 is a flowchart illustrating a method for querying usage information for each user account of an application service and a financial transaction management system using a MO message service in a mobile communication terminal according to an exemplary embodiment of the present invention.

3 and 4 are a view showing the MO message screen and the usage information search transmission message screen in the mobile communication terminal by the user information search method for each user account of the application service and the financial transaction management system according to the present invention, respectively

[Description of Code for Major Parts of Drawing]

100: Applied Business Management System and Financial Transaction Management System

110: use (transaction) information server 120: use (transaction) information DB

200: MO reception management system 210: MO reception management server

211: user application management module 212: MO receiving character management module

213: search result editing module 214: message transmission module

215: search module 220: user applicant DB

221: use information classification DB 222: service provision DB

223: MO receiving number management DB 300: the server of the main communication service provider

400: user information query terminal

SMS: short message service

MMS: multimedia message service

VMS: voice message service

MO: mobile oriented

DB: database

URL-SMS: SMS with Wireless Internet Address Marking

PARSING: Parse

Backbone carriers: mobile carriers, landline telephones, wireless data, and wireless callers

User Account: User ID, Financial Transaction Account, Account, Branch, etc.

Claims (6)

delete delete delete delete delete In the usage information inquiry system for each user account of the application service and financial transaction management system using the MO message service in the mobile communication terminal, Applied business management system by receiving and registering one or more virtual phone numbers for receiving MO messages from the telecommunication service provider, and requesting the use of user information (transaction information) inquiry service for each user account using MO message service from the user (user information inquiry). And register user information consisting of user ID, customer account, branch code, and financial account, user (sender) phone number and password which are classified and managed in the financial transaction system (use system), and search the user information from the operation manager. Receives and registers application information for each business and financial transaction DB name, search item, search conditions, and sets and registers the usage information inquiry item for each user account. When the MO message is received from the user through the telecommunication service provider, Whether the outgoing phone number (call number) of the MO message is a registered service user (member) And extract the usage information search item by parsing the received MO message, search the corresponding usage information classification DB using the extracted usage information search item, and apply the business information (financial transaction) DB to the registered usage information item. Extract information including name, search item, and search condition, and if the use information search item is not registered in the use information classification DB, send a guide message to the calling number, terminate the service, and use the use information classification DB. If the use information search item is registered in the user's user account, use information, search condition data based on the search results of the user's use information in the DB of the use system, edit the result data to the message transmission standard to send the A MO reception management system for transmitting the number and storing the transmission result; Set the usage information inquiry service providing item in the MO reception management system and register it as the usage information, and provide the usage information inquiry service through the MO reception management system only for the registered information, and use information item DB when registering the usage information. A plurality of application task management systems and financial transaction management systems for registering and managing a table, a usage information item, an item value, a term search item, and a search item; A plurality of user information query (user) terminals for requesting the use information of the use system to the MO message and receiving the use information requested from the MO reception management system as a message after registering a member to the MO reception management system; And The application of the MO reception management system allocates one or more virtual phone numbers for receiving the MO message, and receives a MO message from the terminal of the user and checks whether a virtual phone number corresponding to the reception number of the MO message is registered. Search and transmit the MO message to the MO reception management system of the corresponding virtual telephone number if the virtual telephone number corresponding to the received number is registered, and if there is no virtual telephone number matching the received number, process the general message transmission service. And a server of a plurality of communication service providers for receiving the transmission message from the MO reception management system and transmitting the transmission message to the calling number of the user terminal. MO message sent from the user's terminal to the MO reception management system: User information classification, search period conditions, search conditions, passwords are provided, The search condition includes a search condition calculator (*: AND, +: OR,>: large, <: small, =: equal), Application information using the MO message service and each user account of the financial transaction management system in the mobile communication terminal, characterized in that an item separator (#) is provided between each item of the use information classification, search period condition, search condition, and password. Usage information inquiry system.

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