KR101085766B1 - Apparatus and method for indicating settled particular in mobile terminal - Google Patents

Abstract

The present invention provides an apparatus and method for reporting credit card payment details in a mobile communication terminal. To this end, the present invention receives a credit card payment notification SMS message received from credit card companies, and analyzes it to extract the credit card payment history of the user from the received SMS message. And it is stored in the account book storage unit provided in the memory unit, and whenever the credit card payment notification SMS message is received, the credit card usage history extracted is summed up with the previously stored credit card usage history. In addition, the sum of credit card usage can be displayed on the display unit according to a preset notification date or a user's selection. Thus, even if a user uses multiple credit cards, he or she can easily see the full amount he or she paid using credit cards, and after the user pays with a credit card, Even if you don't keep SMS messages from card companies until the end of the month, you can get a good idea of the details of your credit card.

SMS, credit card payment notification, household account book

Description

Apparatus and method for informing payment details in mobile terminal {APPARATUS AND METHOD FOR INDICATING SETTLED PARTICULAR IN MOBILE TERMINAL}             

1 is an exemplary diagram of an SMS message notification service system to which the present invention is applied;

2 is a block diagram of a mobile communication terminal according to an embodiment of the present invention;

3 is a flowchart illustrating a process of providing credit card usage history information to a user through a credit card payment notification service in a mobile communication terminal according to an embodiment of the present invention;

4 is an exemplary view of a screen displayed in a mobile communication terminal according to an embodiment of the present invention.

The present invention relates to a mobile communication terminal, and more particularly, to the use of a credit card payment notification service through a Short Message Service (SMS) message.

In general, the credit card payment notification service means that when a user makes a payment with a specific credit card, the user is provided with information on the payment details, payment time, and place where the user paid for the purpose of verifying the payment. It's a service that tells you. In general, such a credit card payment notification service is transmitted through an SMS message, and through this credit card payment notification service, a user can check a transaction that he / she paid with a credit card.

In addition, the credit card payment notification service may be used for notifying the credit card payment amount to be paid by the user in advance. For example, if a user purchased a certain item over November 9, November 10, and November 19 and paid for it using a Samsung card, Samsung Card Inc. One credit card payment notification SMS message is sent to the user. In addition, according to the credit card payment date of the predetermined Samsung card, the user will be able to know in advance the credit card price payable by the user by transmitting the contents of the monthly payment amount of the Samsung card in an SMS message.

Nowadays, the number of users who use more than one credit card is increasing rapidly. Therefore, users receive credit card payment notification SMS messages from their credit card companies. Therefore, in order to understand the total amount paid by credit cards, users receive a credit card payment notification SMS message received from each of the credit card companies of the credit cards owned by the credit card and the date of payment is imminent. There was a problem that must be calculated.

In addition, the credit card payment notification service performed on the credit card settlement date of the month simply included information about when, where and how much the user paid in the month. Therefore, if the user does not keep the SMS message received from the credit card company until the end of the month, the user has a problem that it is difficult to accurately grasp the details of the credit card paid by the user.

It is therefore an object of the present invention to provide an apparatus and method for allowing a user to easily grasp the total amount paid by using credit cards even if a user uses a plurality of credit cards.

In addition, another object of the present invention, even after the user has paid for the payment using a credit card, even if the user does not keep an SMS message received from the credit card company until the end of the month to check the details of the credit card paid by him The present invention provides an apparatus and method for enabling the same.

The apparatus of the present invention for achieving the above object, the billing notification phone number storage unit for storing the billing notification phone number and the use history contained in the payment notification SMS (Short Message Service) message received by the mobile terminal It is determined that the memory unit provided with an accounting unit storage unit to be stored, and if the received SMS message is the payment notification SMS message, and if the payment notification SMS message, the payment details are extracted and stored in the accounting unit storage unit. It is provided with a control unit.

The method may further include: determining whether or not the received Short Message Service (SMS) message is a payment notification SMS message; extracting a payment history if the payment notification SMS message is a result of the determination; A storage step of storing and processing the extracted credit card payment details, and a display step of displaying the processing result.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the annexed drawings, detailed descriptions of well-known functions and configurations that may unnecessarily obscure the subject matter of the present invention will be omitted.

First, to help a full understanding of the present invention, a description will be given with reference to FIG. 1, which shows an example of a typical credit card payment notification service system in which a mobile communication terminal according to an embodiment of the present invention can be used. FIG. 1 illustrates an example in which a user's mobile terminal (hereinafter referred to as a user) 100 purchases and pays an item at store A 102 and store B 106 using credit card A and credit card B. FIG. The drawing is shown. Referring to FIG. 1, when the user 100 purchases a certain item in the store B 106 and pays it with the credit card B, the use / payment history of the credit card B used in the store B 106 is a credit card. Is sent to Company B 108. The credit card company B 108 that receives the usage / payment history information of the credit card B transmits the usage / payment history of the credit card B to the user 100 in the form of an SMS message through the mobile communication network 110. . In addition, when the user 100 purchases a certain item in the store A 102 and pays it with the credit card A, the use / payment history of the credit card A used in the store A 102 is transferred to the credit card company A 104. Is sent. The credit card company A 104 that receives the usage / payment history information of the credit card A transmits the usage / payment history of the credit card A to the user 100 in the form of an SMS message through the mobile communication network 110.

In this case, the user 100 that receives the use / payment details of the credit card A or the credit card B in the form of SMS, that is, the mobile communication terminal according to the embodiment of the present invention, uses / pays the credit cards received from the credit card companies. Receive the notification SMS message, and analyze it to extract the user's credit card usage / payment history from the received SMS message. And it is stored in the account book storage unit provided in the memory unit, and each time the credit card use / payment notification SMS message is received, the extracted credit card use / payment details are summed up with the previously stored credit card usage / payment details. . The sum of credit card usage / payments can be displayed on the display unit according to a preset notification date or user's selection.

2 is a block diagram of a mobile communication terminal according to an exemplary embodiment of the present invention. Referring to FIG. 2, a mobile communication terminal according to an embodiment of the present invention may include a memory unit 202, a key input unit 204, a display unit 206, a baseband processor 208, and a coder-decoder (CODEC). 212 is connected to the control unit 200. Here, the controller 200 processes voice signals and data according to protocols for telephone calls, data communications, and wireless Internet access, and controls each part of the mobile communication terminal. Then, the user's key input is received from the key input unit 104 to control the display unit 106 accordingly to generate and provide image information according to the user's key input. When the SMS message is received, the controller 200 checks whether the caller number of the received SMS message is a preset credit card use / payment notification phone number, and if the caller number is a credit card use / payment notification phone number, If a message is received, it is recognized as a credit card use / payment notification SMS message. The credit card usage / payment history is extracted from the recognized SMS message and stored in the memory unit 202, and the credit card usage / payment history extracted from the credit card use / payment notification SMS message received so far is added up. In addition, the display unit 206 controls the predetermined notification scheduled date or the sum of the credit card usage / payment according to the selection.

The memory unit 202 connected to the controller 200 includes a read only memory (ROM), a flash memory, a random access memory (RAM), and the like. The ROM stores a program for processing and controlling the controller 200 and various reference data. The RAM provides a working memory of the controller 200, and the flash memory provides an area for storing various updatable data for storage. In addition, the memory unit 102 includes a payment notification phone number storage unit 216 for storing credit card payment notification phone numbers for each credit card company entered by the user, and the credit card usage history extracted by the control unit 200. Accounting unit storage unit 218 is stored and summed. The key input unit 204 includes various keys including numeric keys as described above, and provides the controller 200 with a key input input from a user.                     

The RF unit 210 serves to transmit and receive an RF signal with the base station. And converts the received signal into an IF (Intermediate Frequency) signal, outputs it to the baseband processor 208 connected to the controller 200, and converts the IF signal input from the baseband processor 208 into an RF signal. Send. The baseband processing unit 208 is a baseband analog ASIC (BBA) that provides an interface between the control unit 200 and the RF unit 210. The baseband processing unit 208 converts a baseband digital signal applied from the control unit 200 into an analog IF signal. The conversion is applied to the RF unit 210, the analog IF signal applied from the RF unit 210 is converted into a digital signal of the baseband and applied to the control unit 200. The codec 212 connected to the control unit 200 is connected to the microphone and the speaker through the amplifying unit 214, and encodes the voice signal input from the microphone to PCM (Pulse Code Modulation) encoding to control the voice data. ) And PCM decodes the voice data input from the controller 200 and outputs the voice data through the amplifier 214 to the speaker. The amplifier 214 amplifies the voice signal input from the microphone or the voice signal output from the speaker, and adjusts the volume of the speaker and the gain of the microphone according to the control of the controller 200.

3 is a flowchart illustrating a process of providing credit card usage history information to a user through a credit card payment notification service in a mobile communication terminal according to an exemplary embodiment of the present invention. Referring to FIG. 3, if an SMS message is received, the control unit 200 proceeds to step 300 and determines whether the currently received message is an SMS message received from a specific credit card company. In step 300, when the SMS message is received, the control unit 200 includes any one of phone numbers stored in the payment notification phone number storage unit 216 having the caller number of the received SMS message provided in the memory unit 202. This can be done by checking the acknowledgment. The phone number stored in the payment notification phone number storage unit 216 may store a caller number of the SMS message according to a user's selection, that is, when a credit card payment notification SMS message is received from a specific credit card company. Of course, the user may input directly.

If it is determined in step 300 that the currently received SMS message is one of the phone numbers stored in the current payment notification phone number storage unit 216, the controller 200 proceeds to step 302 and analyzes the received SMS message. . In operation 304, the controller 200 checks whether the currently received SMS message has credit card usage history information paid by the user. In this case, there may be various ways of determining whether or not the credit card payment history information is present. Some examples include whether or not certain SMS messages received contain specific strings, such as 'Expected payment amount' or 'card use', or payment time in accordance with the agreement between credit card companies or mobile terminal operators. When a content or field including information about a payment place, a payment history, and the like is specifically defined in the data structure of the credit card payment notification SMS message, it may be performed by checking whether or not there is information stored in these fields.

If it is determined through the above method that the information on the credit card payment history is included, the control unit 200 proceeds to step 306 to extract only the information on the credit card payment history from the currently received SMS message memory unit 202 In the account book storage unit 218 provided in the). Here, the credit card payment history may be stored in the account book storage unit 218 as a specific type of table. An example of the credit card payment history stored in such a table form is shown in FIG. 4.

When the credit card payment details are stored in the account book storage unit 218 in step 306, the controller 200 proceeds to step 308 to analyze the information on the credit card payment details currently stored in the account book storage unit 218. Perform the closing process. In this case, the settlement of accounts may be performed by analyzing information on the currently stored credit card payment history, and sorting by credit card type, date, or amount. It is the process of calculating the total by adding up the contents. When the settlement process is completed, the control unit 200 proceeds to step 310 and checks whether the current time has reached the preset notification scheduled time. If the preset notification scheduled time arrives, the controller 200 proceeds to step 312 to display the credit card usage history of which the settlement process is completed in step 308 on the display unit 206. Here, the notification scheduled time in step 310 can be changed as many times as the user selects. In addition, even if the scheduled time of notification is not reached, the credit card payment details may be displayed on the display unit 206 as many times as the user selects. Therefore, when the credit card payment notification SMS message is received in the mobile communication terminal, the received SMS message is analyzed, the credit card usage history is extracted, stored and summed with the previously stored usage history, If it is time to notify, or user wants to confirm, display it. Therefore, the user can check the entire usage history of the credit card used in the month at any time and anywhere regardless of the type of credit card.

4 is a diagram illustrating an example of a screen displayed after receiving a credit card payment notification SMS message and performing a settlement process in the mobile communication terminal according to an exemplary embodiment of the present invention. 4 (a) is a view showing an example of a credit card payment notification SMS message received by the user, Figure 4 (b) receives a credit card payment notification SMS message as shown in (a) of FIG. The display screen after the settlement process is shown. And (c) of FIG. 4 is an example of using the mobile communication terminal according to an embodiment of the present invention as a user's own account book by adding a specific item in the credit card settlement details processed as shown in (b) of FIG. Figure is showing. First, referring to Figure 4 (a), Figure 4 (a) is a credit card payment notification SMS message sent from Samsung card company, the user includes information on the amount purchased, payment time and payment location, etc. It is. The control unit 200 of the mobile communication terminal according to an embodiment of the present invention that has received the credit card payment notification SMS message stores the caller numbers of the SMS messages in the preset payment notification phone number storage unit 216. Compare with And if there is the same number, the control unit 200 extracts the credit card payment history, that is, the purchase price, payment time, and information about the payment place, etc. from the credit card payment notification SMS message account book storage unit 218 Store in Then, the settlement process is performed to calculate the total settlement amount by sorting by credit card, date, or amount as shown in FIG. Therefore, the user can grasp the information on the usage history of the credit card he paid in the current month so far through the account book settlement screen as shown in FIG.

4C is a diagram illustrating an example in which a user arbitrarily adds a specific item to the account book settlement screen as shown in FIG. 4B. This can be done by the user selecting the 'add' menu, and if the user selects the 'add' menu and inputs an item, a description, and an amount and a date, this can be included in the credit card settlement process. Therefore, the mobile communication terminal according to an embodiment of the present invention can be used not only to grasp information on payment details for each credit card, but also can function as a personal household account including the credit card payment details. .

Therefore, when the credit card payment notification SMS message is received in the mobile communication terminal, the received SMS message is analyzed, the credit card usage history is extracted, stored, and summed with the previously stored usage history, If it is time to notify, or user wants to confirm, display it. Therefore, the user can check the entire usage history of the credit card used in the month at any time and anywhere regardless of the type of credit card.

Meanwhile, in the above description of the present invention, specific embodiments have been described, but various modifications may be made without departing from the scope of the present invention. Particularly, in the embodiment of the present invention, the credit card payment notification SMS message does not include information about the goods purchased by the user, but if such information is included, information about the goods may be used. Also, of course, the user may use information about a place where the user paid using a credit card. Therefore, the scope of the invention should not be defined by the described embodiments, but should be determined by the equivalent of claims and claims.

The present invention receives a card payment notification SMS message such as a debit card or a credit card received from a credit card or banks, and analyzes the extracted credit card payment details from the received SMS message. And it is stored in the account book storage unit provided in the memory unit, and whenever the credit card payment notification SMS message is received, the credit card usage history extracted is summed up with the previously stored credit card usage history. In addition, the sum of credit card usage can be displayed on the display unit according to a preset notification date or a user's selection. Thus, even if a user uses multiple credit cards, he or she can easily see the full amount he or she paid using credit cards, and after the user pays with a credit card, Even if you don't keep SMS messages from card companies until the end of the month, you can get a good idea of the details of your credit card.

Claims (11)

In the device for informing the payment details in the mobile communication terminal, A payment notification telephone number storage unit for storing payment notification telephone numbers of at least two credit card companies, and use included in payment notification SMS (Short Message Service) messages for the credit card companies received by the mobile communication terminal. A memory unit including an account book storage unit in which details are stored; When an SMS message is received, it is determined whether the received SMS message is the payment notification SMS message, and in the case of the payment notification SMS message, the payment details are extracted and stored in the account book storage and correspond to each of the credit card companies. A control unit for generating payment details for each credit card company by summing stored payment details, generating total payment details by summing the payment details for each credit card company, and displaying the payment details for each credit card company and the total payment details. Billing history notification device comprising a. The method of claim 1, wherein the control unit, If the caller number of the received SMS message is any one of the payment notification phone numbers stored in the payment notification phone number storage unit, the payment history notification, characterized in that the SMS message is determined as the payment notification SMS message. Device. The method of claim 1, wherein the control unit, The payment history notification device, characterized in that to display the payment history for each credit card company and the entire payment history when a preset notification scheduled time. The method of claim 1, wherein the control unit, The payment history notification device, characterized in that for displaying the payment history for each credit card company and the entire payment history according to the user's selection. The method of claim 1, wherein the control unit, When the user adds a specific payment details, the payment details notification device, characterized in that including the added payment details including the payment details. In the method for informing the payment details in the mobile terminal, Determining whether the received Short Message Service (SMS) message is a payment notification SMS message to at least two credit card companies; A payment history extraction step of extracting a payment history from the received SMS message when the payment notification SMS message is determined; A storage step of storing the extracted payment details; A payment history generation step of generating payment details for each credit card company by summing stored payment details corresponding to each of the credit card companies; Generating a total payment history by adding up the payment details for each credit card company; The payment history notification method comprising the display step of displaying the payment history for each credit card company and the entire payment history. The method of claim 6, wherein the determining step, And when the caller number of the received SMS message is any one of payment notification phone numbers stored in a payment notification phone number storage unit, determining the SMS message as the payment notification SMS message. The method of claim 6, wherein the payment history extraction step, And extracting a portion including a predetermined specific string from the payment notification SMS message. The method of claim 6, wherein the payment history extraction step, And when the payment notification SMS message includes a field including information on a payment time, a payment place, a payment history, a product purchased by a user, and the like, extracting information stored in the field. The method of claim 6, If the user adds a specific payment history, and further comprising a settlement step of adding the added payment history to the payment details including the settlement details. The method of claim 6, wherein the displaying step, The payment history notification method, characterized in that for displaying the payment history for each credit card company and the entire payment history according to the user's selection.

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