KR102458289B1 - Periodic payment information extraction system and extraction method using the same - Google Patents

Abstract

The present invention relates to a periodic payment information extraction system and an extraction method using the same, and more specifically, to a periodic payment information extraction system and an extraction method using the same, capable of providing efficient periodic payment subscription, change, and termination services by enabling a user to comprehensively manage one or more payment details which are paid periodically and service information corresponding to the same. To this end, the present invention comprises: a plurality of client terminals which receive and transmit user request information with respect to periodic payment information of a client to the outside, and output and provide the periodic payment information received from the outside to the client; a periodic payment extraction server which is connected to the plurality of client terminals to perform data communication with the same, receives user request information with respect to periodic payment information from at least one among the plurality of client terminals, collects and analyzes user payment information of the corresponding client, and extracts and stores periodic payment information; a manager terminal which is connected to the periodic payment extraction server to perform data communication with the same, receives, for a manager, extraction condition information for extracting user payment information determined to be periodic payment information among pieces of user payment information collected by the periodic payment extraction server, and transmits the received extraction condition information to the periodic payment extraction server; and a plurality of financial company servers which receive request information with respect to user payment information of a specific client from the periodic payment service server and provide the user payment information of the corresponding client.

Description

Periodic payment information extraction system and extraction method using the same

The present invention relates to a periodic payment information extraction system and an extraction method using the same, and more particularly, a simple and efficient periodic payment subscription by enabling integrated management of one or more payment details paid by a user and corresponding service information. It relates to a periodic payment information extraction system that can provide , change and cancellation services, and an extraction method using the same.

In general, services for which a fee (use fee) is charged as a regular payment method are from the city gas fee, apartment management fee, communication fee, education fee, rental fee, and newspaper (magazine) subscription fee, which have been used for a long time, and online business, which has recently been in rapid demand. There are a wide variety of models and consumption-type subscription services.

In particular, the subscription service, which is expected to grow at an average annual rate of 17.6% and form a market of about 600 trillion won this year alone, includes multimedia contents such as Netflix, YouTube Premium, and Melon, software and applications such as Office 365 and AWS, and flowers and salads. As regular delivery services such as , socks, laundry, automobiles, and kimchi are diversified and supplied, the demand for consumers to subscribe to them is rapidly increasing.

According to a survey by the Korea Creative Content Agency, Koreans spend an average of 50,000 won per person on subscription services, and Deloitte Global announced that 50% of American adults subscribe to 5 or more subscription services, and the top 20% to 10 or more subscription services. did.

In other words, just a few years ago, Forbes reported that the 'subscription economy is creating a new economic life by dismantling the centuries-old concept of ownership' became a reality.

However, due to the explosive growth of the subscription service, various inconveniences and various problems have been expressed about the service in which the payment is made using a regular payment method that has not been well recognized. According to the Korea Communications Commission, there were a total of 850,000 regular payment-related complaints in 2018, a 43% increase from the previous year, becoming a social problem. There may be various causes, but among them, the diversification of payment methods and the difficulty of cancellation are pointed out as the main causes.

First, modern people consume through various payment methods, including bank transfer, check card, credit card, mobile phone micropayment, and simple payment such as Naver Pay. However, due to the diversification of payment methods, it is difficult to determine the entire periodic payment history until all payment details are individually checked. Moreover, this is a similar situation worldwide, and according to Waterstone Consulting in the US, 84% of regular payment users do not even know their payment date.

In addition, while the procedure for using the payment service becomes easier and simpler, if you want to cancel it, it is quite complicated and has various restrictions, unlike the payment procedure. They are using 'dark nudge' such as Due to these problems, 400,000 of the top regular payment complaints are also complaints about cancellation. In other words, although subscription services have recently been attracting attention from consumers and related consumption is becoming more active, the expenditures of subscription service users are not managed effectively. The most typical examples are when a user does not know what he or she is subscribing to, when he or she is constantly paying for services he or she does not want, when he wants to make a consumption decision for extending or canceling subscriptions for the services he is subscribed to In many cases, it is not possible to determine precisely because

Of course, even now, there is an expense management service that manages the user's expenses, but the service simply shows the user's payment station in the latest order first, and displays the past payment details in time and date order at the bottom. Because it is limited to giving, it is difficult for the user to intuitively check whether any of the numerous payment details is a regular payment.

In particular, due to the nature of regular payment, it is almost impossible to find out which consumption is a regular payment unless the user collects and checks each payment method for several months' worth of expenses. At this time, due to the problem that the payment amount of the subscription service, which is paid monthly in the regular payment method, may vary from month to month (e.g., communication fee, management fee, etc.), and when weekends or holidays are included, the regular payment date is changed, There is a limit that is difficult to distinguish from other services that are simply consumed as a one-time expenditure.

1 is a diagram illustrating a conventional form of extracting periodic payment information and providing it to a user.

Referring to the drawing, when periodic payment information is extracted and provided to the user in the same manner as in FIG. 1, it is simply a summary that appears repeatedly among the payment history data of the financial company linked by the user and displayed on the screen. In some cases, payment details other than service names such as ” and “Yeun Lee” are also extracted as regular payments.

In addition, even though the payment history of APPLESTORE is 1,100 won, it is displayed as a regular payment due to repeated payment, even though it is a one-time payment rather than an actual regular payment.

Accordingly, there is an increasing demand for a system for extracting periodic payment information that can accurately determine payment details regularly spent through various payment methods and provide them to users.

Korean Patent Publication No. 10-2019-0065924 (published date: 2019.06.12)

The present invention has been devised to solve the above problems, and it is possible to provide a simple and efficient subscription, change and cancellation service for a regular payment by enabling the user to manage one or more payment details regularly paid by the user and service information corresponding thereto. The purpose is to provide a periodic payment information extraction system and an extraction method using the same.

The present invention has the following features in order to solve the above problems.

The present invention includes: a plurality of client terminals that receive user request information for periodic payment information of a client, transmit it to the outside, and output and provide periodic payment information received from the outside to the client; It is connected to enable data communication with the plurality of client terminals, receives user request information for periodic payment information from at least one of the plurality of client terminals, collects and analyzes user payment information of the corresponding client, and extracts and stores periodic payment information subscription extraction server; It is connected to enable data communication with the periodic payment extraction server, and receives extraction condition information for extracting user payment information, which is determined as periodic payment information, from the user payment information collected from the periodic payment extraction server. Manager terminal for transmitting to the extraction server; and a plurality of financial company servers that receive request information for user payment information of a specific client from the periodic payment service server and provide user payment information of the corresponding client.

Here, the periodic payment extraction server generates periodic payment information by receiving the extraction condition information received from the manager terminal and extracting user payment information corresponding to the extraction condition information from the collected user payment information, but as the periodic payment information A verification request table is generated by collecting user payment information having a certain periodicity among unextracted user payment information, and the verification request table is transmitted to the manager terminal.

In addition, the manager terminal outputs the verification request table received from the periodic payment extraction server and provides it to the manager, receives at least one of the verification result information and the modified extraction condition information for the verification request table from the manager, and extracts the regular payment send to the server

Here, the periodic payment extraction server includes a user transaction DB for storing user payment information collected from the plurality of financial company servers, an extraction condition information DB for storing extraction condition information received from the manager terminal, and stored in the user transaction DB and a periodic payment information DB for storing periodic payment information extracted from the user payment information based on the extracted condition information stored in the extraction condition information DB.

In addition, when the periodic payment extraction server extracts the periodic payment information, it is determined that the summary information, rate plan information, and period information included in the user payment information match the extraction condition information stored in the extraction condition information DB, and if it is determined to match The user's payment information is extracted and stored as regular payment information.

In addition, the summary information, rate plan information, and period information is extracted through at least four places of payment date information, payment date and time information, payment fee information, payment merchant name information, and payment service company name information among the user payment information.

In addition, the manager terminal receives the extraction condition information for the summary information from the manager and generates payment representative name information, merchant name information including merchant number information, image information, cancellation information, living expenses information, and operation information at the time of creation. and, the cancellation information includes at least one of automatic cancellation possible information, web cancellation possible information, store cancellation possible information, phone cancellation possible information, and app cancellation possible information.

In addition, when the periodic payment extraction server extracts periodic payment information, when the affiliated store number information from the brief information included in the user payment information matches the affiliated store number information stored in the extraction condition information, it is extracted as periodic payment information, and the brief information is Further including connected financial institution information, the periodic payment extraction server extracts as periodic payment information when both the connected financial institution information and the payment representative name information in the brief information match the information stored in the extraction condition information.

In addition, the manager terminal receives the extraction condition information for the rate plan information from the manager and generates it including rate plan fixation information, payment method fixation information, and rate plan list information at the time of generation, and the rate plan list information includes basic rate plan information , at least one of plan name information, currency unit information, price information, minimum price information, maximum price information, and rate plan cycle information.

In addition, the periodic payment extraction server extracts the periodic payment information as periodic payment information when it is determined that at least one of the rate plan fixed information and the payment method fixed information is fixed in the rate plan information included in the user payment information when extracting the periodic payment information.

Meanwhile, the periodic payment information extraction method according to an embodiment of the present invention is an extraction method using a periodic payment information extraction system, wherein user request information for periodic payment information is transmitted from at least one of a plurality of client terminals to a periodic payment extraction server. step; receiving, by the periodic payment extraction server, requesting and transmitting user payment information of a corresponding client terminal to a plurality of financial company servers; The periodic payment extraction server extracts periodic payment information through the user payment information and transmits the extracted periodic payment information to the corresponding client terminal, wherein the periodic payment extraction server analyzes user payment information to extract periodic payment information A user transaction DB that receives extraction condition information from the manager terminal and stores user payment information collected from the plurality of financial company servers, an extraction condition information DB and the user transaction DB that stores extraction condition information received from the manager terminal and a periodic payment information DB for storing periodic payment information extracted based on the extraction condition information stored in the extraction condition information DB from the user payment information stored in the .

According to the present invention, there is an effect that the extraction result of the periodic payment information can be performed more quickly and accurately by using the separately managed extraction condition information DB instead of using only the user payment information as in the existing method.

In addition, according to the present invention, it is possible to increase the inflow of customers and improve convenience by applying it to financial service applications such as card company services, and display the exact name and cancellation information of the service rather than simply listing the user's payment information. Accordingly, the user can accurately recognize that it is periodic payment information, and there is an effect that additional user requests and processing are possible accordingly.

1 is a diagram illustrating an example of a conventional periodic payment extraction service.
2 is a diagram showing a schematic configuration of a periodic payment information extraction system according to an embodiment of the present invention.
3 is a block diagram showing the internal configuration of a periodic payment information extraction system according to an embodiment of the present invention.
4 is a flowchart illustrating a periodic payment information extraction process according to an embodiment of the present invention.
5 is a diagram illustrating an example of user payment information stored in a user transaction DB according to an embodiment of the present invention.
6 is a view showing detailed items received from a bank (a) and a card company (b) among user payment information.
7 is a diagram illustrating an example of periodic payment information stored in the periodic payment information DB according to an embodiment of the present invention.
8 is a diagram illustrating extraction condition information stored in the extraction condition information DB according to an embodiment of the present invention.
9 to 16 are diagrams illustrating a state of setting detailed information for each company in FIG. 8 .
17 is a flowchart illustrating a method for extracting periodic payment information according to an embodiment of the present invention.

In order to explain the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, preferred embodiments of the present invention will be exemplified below and will be described with reference to them.

First, the terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention, and the singular expression may include a plural expression unless the context clearly indicates otherwise. In addition, in this application, terms such as "comprise" or "have" are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other It is to be understood that this does not preclude the possibility of addition or presence of features or numbers, steps, operations, components, parts, or combinations thereof.

In describing the present invention, if it is determined that a detailed description of a related known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

2 is a diagram showing a schematic configuration of a periodic payment information extraction system according to an embodiment of the present invention, and FIG. 3 is a block diagram showing an internal configuration of a periodic payment information extraction system according to an embodiment of the present invention.

Referring to the drawings, the periodic payment information extraction system 1000 according to an embodiment of the present invention largely receives user request information for the client's periodic payment information and transmits it to the outside, and provides the periodic payment information received from the outside to the client. A plurality of client terminals 100 that are output and provided, and the plurality of client terminals 100 are connected to enable data communication, and receive user request information for periodic payment information from at least one of the plurality of client terminals 100 . A periodic payment extraction server 300 that collects and analyzes user payment information of the corresponding client to extract and stores periodic payment information, and the periodic payment extraction server 300 are connected to enable data communication, and the periodic payment extraction server ( 300) of the user payment information collected from the manager terminal 200 and the manager terminal 200 for receiving the extraction condition information for extracting the user payment information determined to be periodic payment information from the manager and transmitting it to the periodic payment extraction server 300 and a plurality of financial company servers 400 that receive request information for user payment information of a specific client from the payment service server and provide user payment information of the corresponding client.

Here, the plurality of client terminals 100 are provided so that a user who wants to receive periodic payment information transmits user request information for periodic payment information to the periodic payment extraction server 300 through his or her client terminal 100. , In this case, the periodic payment extraction server 300 may request the user's ID and PW information from the client terminal 100 as necessary.

Such ID and PW information can be divided into information for accessing the periodic payment extraction server 300 to receive service and information necessary for the periodic payment extraction server 300 to collect the user's payment information of the corresponding user, They can be provided individually or can be integrated into one.

On the other hand, when the periodic payment extraction server 300 receives user request information for periodic payment information from the plurality of client terminals 100, it requests and collects the user payment information of the client from a plurality of financial company servers 400, and Periodic payment information is extracted according to this analysis. This extraction of periodic payment information of the periodic payment extraction server 300 is performed through extraction condition information received from the manager terminal 200, which will be described later.

Such a periodic payment extraction server 300 stores the user transaction DB 310 for storing user payment information collected from the plurality of financial company servers 400 and the extraction condition information transmitted from the manager terminal 200 . Periodic payment information DB 330 for storing periodic payment information extracted based on the extraction condition information stored in the extraction condition information DB 320 from the user payment information stored in the extraction condition information DB 320 and the user transaction DB 310 ) is included.

Accordingly, the periodic payment extraction server 300 performs an extraction process based on the extraction condition information stored in the extraction condition information DB 320 for the user payment information of the client collected from the user transaction DB 310, Among the result information, result information determined as periodic payment information is designated as periodic payment information of the corresponding client and stored in the periodic payment information DB 330 .

At this time, when the periodic payment extraction server 300 extracts periodic payment information, it is determined whether brief information, rate plan information, and period information included in the user payment information match the extraction condition information stored in the extraction condition information DB 320 . If it is determined that they match, the user's payment information is extracted and stored as regular payment information.

On the other hand, the manager terminal 200 receives the extraction condition information for extracting user payment information determined as periodic payment information from the user payment information collected from the periodic payment extraction server 300 from the manager, and receives it from the periodic payment extraction server It is provided to transmit to 300, the manager terminal 200 extracts the information from the plurality of client terminals 100 when it is determined as regular payment through brief information, rate plan information, period information, etc. of user payment information. The list up is transmitted to the periodic payment extraction server 300 .

Hereinafter, the extraction process of the periodic payment information extraction system of the present invention will be described in more detail.

4 is a flowchart illustrating a periodic payment information extraction process according to an embodiment of the present invention.

Referring to the drawings, first, the periodic payment extraction server 300 according to an embodiment of the present invention compares and analyzes user payment information and extraction condition information to extract periodic payment information, wherein the extraction condition information includes brief information, Rate plan information and cycle information may be applicable, and user payment information includes payment date information, payment date and time information, payment rate information, payment merchant name information, payment service company name information, and the like.

Accordingly, brief information is compared with payment merchant name information and payment service company name information, rate plan information is compared with payment rate information, and periodic information is compared with payment date information and payment date information to determine whether it is regular payment information. have.

Looking at this periodic payment information extraction process, first, the record of the Nth user payment information is inquired through the user transaction DB 310 (S310), and accordingly, the Nth user payment information and the extraction condition information received from the DB 320 are retrieved. The extraction condition information is compared and analyzed (S311).

First, it is determined whether or not it matches by comparing the summary information of the extraction condition information DB 320 with the user payment information (S312). and (S313), if it is determined that there is no match, it is determined whether the corresponding N-th user payment information is the last payment information (S320).

If it is not the last payment information, +1 is made in the N-th to return to step S311 and repeat the subsequent process, and if it is the last payment information, it is stored in the periodic payment information DB 330 (S322).

When determining whether the initial user payment information and the extraction condition information match, it starts with N=1 and then repeats N+1 to determine whether the match is made until the final payment information.

On the other hand, in step S313, it is determined whether or not it matches with the rate plan information of the extraction condition information DB 320, and if it is determined that it matches, it is determined whether it matches with the period information of the extraction condition information DB 320 (S314), and does not match If it is determined that not, the step S320 is performed.

In addition, if it is determined that the period information of the extraction condition information DB 320 matches in step S314, the corresponding user payment information is stored as periodic payment information candidate information (S315), and the step S320 is performed.

Accordingly, matching comparison is performed from N = 1 to N = NF, which is the end user payment information, and the user payment information temporarily stored as periodic payment information candidate information is finally stored in the periodic payment information DB 330 (S322) .

5 is a view showing an example of user payment information stored in the user transaction DB 310 according to an embodiment of the present invention, FIG. 6 is a detailed item received from the bank (a) and the card company (b) of the user payment information is a diagram showing

Referring to the drawings, FIG. 5 shows the payment records received from the financial company server 400 linked with the user payment information and displayed as summary information, service information, expenditure information, card type information, and currency unit information. and the like, and FIG. 6 shows detailed items thereof.

7 shows an example of periodic payment information stored in the periodic payment information DB 330 according to an embodiment of the present invention. The periodic payment information stored in the periodic payment information DB 330 includes service name information, amount information, and period information. , payment date information (next payment date information, last payment date information, etc.) and operation or not setting information may be corresponding.

8 shows the extraction condition information stored in the extraction condition information DB 320 according to an embodiment of the present invention, and such extraction condition information is generated through the manager's input information in the manager terminal 200 and paid for regularly The extraction server 300 receives and stores the information, and the extraction condition information receives the extraction condition information for the brief information from the manager according to an example and generates the payment representative name information, merchant name information including merchant number information, image information, cancellation information, living expenditure information, and operation information, wherein the cancellation information includes automatic cancellation information, web cancellation information, store cancellation information, phone cancellation information, app cancellation information includes

The automatic cancellation possibility information is an item that the administrator confirms whether to support the corresponding function, and the living expenditure information is an item that the administrator confirms attribute information on whether to view this payment information as living expenditure.

Examples of judging by living expenses may include telecommunication company charges, electricity bills, etc., and non-Netflix payment information and Melon payment information may be applicable.

In addition, the operation or not information is used as extraction condition information when the administrator selects and activates the operation as confirmation information as to whether the administrator saves it as periodic payment information and uses it as extraction condition information to be extracted from the periodic payment extraction server 300 In case of deactivation, it is not used as extraction condition information.

9 to 14 are views showing a state of setting detailed information for each company.

Referring to the drawings, FIGS. 9 to 14 show setting of detailed information for each company that is activated when selecting operation status information in FIG. 7 . First, FIGS. 8 to 12 show settings related to cancellation.

9 to 12 show settings related to cancellation information, and if necessary, by setting automatic cancellation possible information, web cancellation possible information, store cancellation possible information, phone cancellation possible information, app cancellation possible information Link information or authentication information may be set.

13 is a view showing the setting of rate plan information. According to an example, detailed items include a fixed rate product (has_fixed_price), a fixed payment method (fix_payment_method), a plan list, and the like, and the plan list. may correspond to a basic plan (is_default), name (name), currency unit (currency), price (price), minimum price (min_price), maximum price (max_price), rate plan period, and the like.

Here, when the item has_fixed_price is checked, it is assumed that the fee of the periodic payment service is constant according to the setting and may be extracted as periodic payment information. In addition, when the payment method is fixed, the fixed payment method (fix_payment_method) item may be extracted as periodic payment information assuming that the periodic payment is made with one payment method.

In addition, any one of the default plan (is_default), name (name), currency unit (currency), price (price), minimum price (min_price), maximum price (max_price), and plan period If (except for the default rate plan (is_default) item and currency unit item) matches the user's payment information, it can be extracted as regular payment information according to the settings.

On the other hand, FIG. 14 shows a setting state related to brief information, and detailed items include a common brief (regular expression) item, a common brief (text) item, an excluded summary item, and the like. ) through string matching, the format can be recognized without any problem even for payment briefs containing numbers, and since regular expressions consume a lot of computing power for text common briefs, payment services are simply extracted through string matching. use it when

In addition, the exclusion brief is provided to determine that the payment information is not regular payment information when the summary of user payment information is included in the exclusion summary.

In addition, the brief list item shown in FIG. 14 is an item prepared to add brief information, and FIG. 15 shows a state in which the brief list is additionally set.

At this time, affiliated store number information or connected financial institution information may be set in the brief list addition. If the affiliated store number information included in the user payment information matches the affiliated store number information in the brief list set and stored in FIG. 15, periodic payment extraction The server 300 extracts it as periodic payment information, and when the connected financial institution information and brief information also match with the user payment information, it is extracted as periodic payment information.

On the other hand, the periodic payment information extraction system 1000 according to the present invention responds to the extraction condition information among the collected user payment information by receiving the extraction condition information transmitted from the administrator terminal 200 by the periodic payment extraction server 300 To generate periodic payment information by extracting user payment information, if the user payment information having a certain periodicity among the user payment information not extracted as the periodic payment information is collected by the periodic payment extraction server 300, the verification request table and transmits the verification request table to the manager terminal 200 .

Accordingly, the manager terminal 200 outputs the verification request table received from the periodic payment extraction server 300 and provides it to the manager, and at least one of the verification result information and the modified extraction condition information for the verification request table from the manager. is input and transmits it to the periodic payment extraction server 300 .

Of course, the verification result information is information transmitted by the manager terminal 200 when the user payment information in the verification request table transmitted by the periodic payment extraction server 300 is not determined as periodic payment information, and the modified extraction The condition information is included in the extraction condition information when it is determined that the user payment information in the verification request table transmitted by the periodic payment extraction server 300 is periodic payment information, and the modified extraction condition information is transmitted to the periodic payment extraction server 300 will do

In addition, to generate the verification request table, the periodic payment extraction server 300 selects user payment information to be collected in the verification request table. This selection process can be performed by setting the selection suitability.

Although this selection suitability is not included in the existing extraction condition information, it is provided to select user payment information with high similarity to periodic payment that can be determined as periodic payment information.

According to an embodiment of the present invention, the selection suitability is calculated by quantifying the similarity between the stored extraction condition information, period information of user payment information, summary information (merchant name, financial company name, etc.), and rate plan information, and weighting each item is added to the final result. to find the sum of

Accordingly, the verification request table is generated by collecting user payment information whose summed number is higher than the preset setting value in the verification request table.

The formula for calculating the selection suitability is as shown in Equation (1) below.

Screen fit = 0.2EN_e - 0.5SP_c - SP_d Equation (1)

Here, SP_d indicates the similarity of period information. For example, if payments are made on the 28th in July, the 26th in August, and the 29th in September, SP_d calculates their median or average value and calculates the median value or The time difference value with the payment information with the largest time difference from the average value is SP_d.

Accordingly, by taking SP_d as the average value,

(28+26+29)/3≒27.7,

Of these, the largest payment information is on the 26th.

The time difference with the payment information with the largest time difference is

27.7 - 26 = 1.7 (days).

Therefore, the final SP_d is 1.7 (day).

Of course, if any one is paid, for example, on October 1, for convenience, it is necessary to calculate SP_d as being paid on September 31, which is a hypothetical date.

The larger the SP_d, the lower the selection fitness, and the smaller the SP_d, the greater the selection fitness.

On the other hand, EN_e indicates whether brief information is the same. If they are the same, the calculated value is 1, and if they are not the same, it is 0.

Depending on the setting, in the case of Korean, if 80% or more of the total syllables are the same, the calculated value can be set to 1.

In addition, the SP_c is the similarity of the rate plan information. Like the period information described above, the median or average value of payment amounts between the user payment information is calculated, and the difference value between them and the payment information with the largest price difference is SP_c.

For the selection suitability according to this example, period information was adopted as the largest weight, and brief information was adopted as the lowest weight.

Such selection suitability may be expressed as a negative number or a positive number, and the higher the number, the higher the selection suitability.

In addition, in a deformable embodiment, the selection suitability can be calculated as shown in Equation (2) below.

Screen fit = 0.2*EN_e - 0.5*SP_c - SP_d + 0.3*O_r Equation (2)

Here, the O_r is information (period information, brief information (merchant name, financial company name, etc.) that matches the user payment information of other clients in the user transaction DB 310 in addition to the corresponding user payment information. In this case, the result value is set to 1, otherwise it is calculated as 0.

Accordingly, if there is transaction information of the same other client, it can be estimated that it is highly likely to be adopted as periodic payment information.

17 is a flowchart illustrating a method for extracting periodic payment information according to an embodiment of the present invention.

Referring to the drawings, the periodic payment information extraction method according to this embodiment is an extraction method using a periodic payment information extraction system, and the periodic payment information is transmitted from at least one of a plurality of client terminals 100 to the periodic payment extraction server 300 . A step of transmitting the user request information for (S100), the periodic payment extraction server 300 requesting and receiving the user payment information of the client terminal 100 to a plurality of financial company servers 400 (S200) and , the periodic payment extraction server 300 extracts periodic payment information through the user payment information and transmits the extracted periodic payment information to the corresponding client terminal 100 (S300).

Here, as described in the above-described periodic payment information extraction system 1000, the periodic payment extraction server 300 analyzes user payment information and receives extraction condition information for extracting periodic payment information from the manager terminal 200, A user transaction DB 310 for storing user payment information collected from the plurality of financial company servers 400 , an extraction condition information DB 320 for storing extraction condition information transmitted from the manager terminal 200 , and the user and a periodic payment information DB 330 for storing periodic payment information extracted based on the extracted condition information stored in the extraction condition information DB 320 from the user payment information stored in the transaction DB 310 .

Here, in step S100, user request information for periodic payment information is transmitted from at least one of the plurality of client terminals 100 to the periodic payment extraction server 300, the plurality of client terminals 100, the periodic payment extraction server 300, the manager terminal, and a plurality of financial company servers 400 are connected to each other by Wi-fi, Ethernet, etc. to enable data communication with each other.

Of course, the plurality of client terminals 100 may be connected to the periodic payment extraction server 300 by installing a separate application to easily request and receive various requested information and received information from the periodic payment extraction server 300 . .

On the other hand, the periodic payment extraction server 300 receives user request information for periodic payment information from a plurality of client terminals 100 and requests user payment information of the corresponding client terminal 100 to a plurality of financial company servers 400 . A step of receiving the transmission is performed, and such a plurality of financial companies may include a card company, a bank, and the like.

In addition, when the periodic payment extraction server 300 receives user payment information from a plurality of financial company servers 400, it is determined that it is periodic payment information among the user payment information based on the extraction condition information received from the manager terminal 200 The information is extracted and the extracted periodic payment information is transmitted to the corresponding client terminal 100 .

Although preferred embodiments of the present invention have been described above, the present invention is not limited to the specific embodiments described above. That is, those of ordinary skill in the art to which the present invention pertains can make numerous changes and modifications to the present invention without departing from the spirit and scope of the appended claims, and all such appropriate changes and modifications are Equivalents are to be considered as falling within the scope of the present invention.

100: client terminal
200: administrator terminal
300: subscription extraction server
310: User transaction DB
320: Extraction condition information DB
330: Periodic payment information DB
400: financial company server
1000: Periodic payment information extraction system

Claims (11)

It relates to a periodic payment information extraction system,
a periodic payment extraction server for receiving user request information for periodic payment information from at least one client terminal, collecting and analyzing the user's user payment information, and extracting and storing the periodic payment information; and
It is connected to enable data communication with the periodic payment extraction server, and receives extraction condition information for extracting user payment information, which is determined as periodic payment information, from the user payment information collected from the periodic payment extraction server. Including; manager terminal for transmitting to the extraction server;
The periodic payment extraction server,
Transmitting the request information for the user payment information to at least one financial company server, receiving the user payment information of the user from the at least one financial company server,
The periodic payment extraction server,
Generate periodic payment information by receiving the extraction condition information from the manager terminal and extracting user payment information corresponding to the extraction condition information from the collected user payment information,
The periodic payment extraction server,
Create a verification request table by selecting user payment information having a higher degree of selection suitability than a preset setting value from among the user payment information not extracted as the regular payment information,
The manager terminal,
It outputs the verification request table received from the periodic payment extraction server and provides it to the administrator, receives at least one of the verification result information and the modified extraction condition information for the verification request table from the administrator, and transmits it to the periodic payment extraction server,
The verification result information is information received from the manager terminal when the user payment information in the verification request table is not determined as the regular payment information,
The modified extraction condition information is information in which the user payment information is added to the extraction condition information when it is determined that the user payment information in the verification request table is periodic payment information,
The selection suitability is calculated by comparing the stored extraction condition information with the user payment information, quantifying the similarity of the period information, the similarity of the brief information, and the similarity of the rate plan information, and assigning a weight to each item to obtain the final summed value. Periodic payment information extraction system.
delete delete delete delete delete According to claim 1,
The manager terminal
At the time of creation by receiving the extraction condition information for the summary information from the manager
Generated including payment representative name information, merchant name information including merchant number information, image information, cancellation information, living expenses information, and operation information,
The cancellation information is
Periodic payment information extraction system, characterized in that it includes at least one of automatic cancellation possible information, web cancellation possible information, store cancellation possible information, phone cancellation possible information, app cancellation possible information.
8. The method of claim 7,
The periodic payment extraction server is
When extracting regular payment information
If the affiliated store number information in the brief information included in the user payment information matches the affiliated store number information stored in the extraction condition information, it is extracted as regular payment information,
The brief information further includes connected financial institution information,
The periodic payment extraction server is
Periodic payment information extraction system, characterized in that when both the information on the financial institution and the payment representative name information linked in the summary information match the information stored in the extraction condition information, the information is extracted as periodic payment information.
9. The method of claim 8,
The manager terminal
When generating by receiving the extraction condition information for the rate plan information from the manager
Generated including information on whether the rate plan is fixed, information on whether the payment method is fixed, and information on the list of rate plans,
The above plan list information is
Periodic payment information extraction system, characterized in that it includes at least one of basic rate plan information, rate plan name information, currency unit information, price information, minimum price information, maximum price information, and rate plan cycle information.
10. The method of claim 9,
The periodic payment extraction server is
Periodic payment information extraction system, characterized in that when extracting periodic payment information, when it is determined that at least one of the rate plan fixed information and the payment method fixed information is determined to be fixed, the periodic payment information is extracted.
As an extraction method using a periodic payment information extraction system,
transmitting user request information for periodic payment information from at least one client terminal to a periodic payment extraction server;
receiving, by the periodic payment extraction server, requesting and transmitting user payment information of the at least one client terminal to at least one financial company server; and
Comprising: the periodic payment extraction server extracting periodic payment information based on the user payment information and transmitting the extracted periodic payment information to the at least one client terminal;
The periodic payment extraction server,
Receives extraction condition information for extracting periodic payment information by analyzing user payment information from the manager terminal,
The periodic payment extraction server,
Transmitting the request information for the user payment information to at least one financial company server, receiving the user payment information of the user from the at least one financial company server,
The periodic payment extraction server,
Generate periodic payment information by receiving the extraction condition information from the manager terminal and extracting user payment information corresponding to the extraction condition information from the collected user payment information,
The periodic payment extraction server,
Create a verification request table by selecting user payment information having a higher degree of selection suitability than a preset setting value from among the user payment information not extracted as the regular payment information,
The manager terminal,
It outputs the verification request table received from the periodic payment extraction server and provides it to the administrator, receives at least one of the verification result information and the modified extraction condition information for the verification request table from the administrator, and transmits it to the periodic payment extraction server,
The verification result information is information received from the manager terminal when the user payment information in the verification request table is not determined as the regular payment information,
The modified extraction condition information is information included in the extraction condition information when it is determined that the user payment information in the verification request table is periodic payment information,
The selection suitability is calculated by comparing the stored extraction condition information with the user payment information, quantifying the similarity of the period information, the similarity of the brief information, and the similarity of the rate plan information, and assigning a weight to each item to obtain the final summed value. How to extract regular payment information.

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