KR20040040779A - System and Method for Management a Record of Expenditure by Using Smart Card(IC Card) - Google Patents

Abstract

PURPOSE: A method and a system for managing expense particulars using a smart card are provided to offer the classified expense particulars of a client to a client terminal from an expense particulars management server by confirming the transaction information received from the smart card and classifying/storing the transaction information in a database. CONSTITUTION: The smart card(135) performs financial settlement and includes a data storage. A settlement processing terminal(140) provides the settled transaction information to the smart card. The expense particulars management server(100) provides an expense management service to the client by receiving the transaction information stored in the smart card from the client, and storing the data matched with the transaction information and the personal information of the client.

Description

System and Method for Management a Record of Expenditure by Using Smart Card (IC Card)}

The present invention relates to a method and system for managing expenditure history using a smart card (or an IC card), which is located in a product or service providing store, and uses a smart card (or IC card) of a client to process payment and the smart card ( Or an IC card), a payment processing terminal for providing transaction details information, a smart card (or IC card) owned by a client having financial settlement, and having a predetermined data storage space, and located on a wired / wireless communication network. And a payment management server for receiving transaction details information from a client smart card (or IC card) and referring to the transaction details information to manage the expenditure details electronically.

The balance of payments for households is small compared to national finance or corporate accounting, but it is necessary to review income and expenditures, so that the trends need to be constantly managed and identified for better life planning.

The account book is generally used for managing and grasping the balance of the household, and it is true that the account book has been recorded and managed mainly offline. These households exist in a variety of ways, depending on the type of income, high and low income.

For example, if you look at a typical household account book, there are difficulties such as brief, item, income, expenditure, and balance. It is possible to classify many items at the same time, and to classify items, and to have a polynomial cash register that allows you to list any number of items per day, and requires specialized knowledge or skills. In addition, there are multiple households, which are used when there is a need to clarify the bond and debt situation, their interest rate calculation, and the increase and decrease of their assets.

In addition, it is used as a subsidiary book for the household account book, which is a simple pocket money notebook rather than a household account book. Envelopes of the household, which is a household book that draws out the money each time and writes the date, item, and amount at the same time. Useful graphs and account books.

The development of the Internet has resulted in the creation of sites that provide online accounts and a type of electronic account book that can be downloaded and used. This eliminates the hassle of users to purchase a monthly or yearly household, and makes it easier to use a more organized account.

However, the online account book and the electronic book book were not special except for simply implementing the form that was written using a writing tool on the web. For example, when a user purchases a product in a store and spends, the user still has to turn on the PC to enter a household account book and manually enter the expenditures. Was a factor.

An object of the present invention for resolving the above problems is located in a product or service providing store, payment processing using a smart card (or IC card) of the client and providing transaction details information to the smart card (or IC card). When a payment transaction for a product or a service used in a product or service providing store occurs between a payment processing terminal and a smart card (or IC card) of a client, the payment transaction history for the product or service provision from the payment processing terminal Receives the information to the smart card (or IC card), provides the transaction history information to the expense management server for managing the client's expense history through a wired or wireless communication network, and from the expenditure history management server client smart card (or IC card) Check transaction information received from the By spending classifying history, and stored in the database, it is to spend management method and system using the client transactions details of the above spending a client terminal connected through a wired or wireless communication network from the management server to provide client expenditure category history to provide.

1 is a client smart card (or IC card) connected to the expense management server through a expense management server and a communication network, and a payment processing terminal for providing transaction details information to the smart card (or IC card). A simple schematic is shown.

2, a smart card (or IC card) obtains transaction history information from a payment processing terminal and transmits the transaction history information to an expense management server, and provides the expense management service of the client with reference to the transaction history information from the expense management server. Here is a simple flow chart of the process.

3 is an exemplary diagram of transaction history information data transmitted from the payment processing terminal to the client smart card (or IC card) and provided to the expense management server.

4 is an exemplary view of a simple web browser screen in which an expense management service is provided from an expense management server with reference to client transaction information transmitted from a client smart card (or IC card).

<Description of main parts of drawing>

100: expense management server 105: authentication unit

110: expenditure information check unit 115: expenditure information storage unit

120: expenditure management evaluation unit 125: personal information database

130: expenditure information database 135: smart card (or IC card)

140: payment processing terminal 145: communication network

The present invention relates to a method and system for managing expenditure history using a smart card (or an IC card), which is located in a product or service providing store, and uses a smart card (or IC card) of a client to process payment and the smart card ( Or an IC card), a payment processing terminal for providing transaction details information, a smart card (or IC card) owned by a client having financial settlement, and having a predetermined data storage space, and located on a wired / wireless communication network. And a payment management server for receiving transaction details information from a client smart card (or IC card) and referring to the transaction details information to manage the expenditure details electronically.

In addition, the present invention through the above components, in order to provide a method for managing the expenditure history using a smart card (or IC card), payment transaction history information according to the product or service provision from the payment processing terminal of the product or service providing store Providing the client-owned smart card (or IC card), the transaction history information stored in the smart card (or IC card) from the client to the expense management server, and from the expense management server; Classifying and storing payment transaction history information in a predetermined database by matching personal information of the client, and classifying and storing payment transaction history information (or stored in the database from the expense management server to the client connected through a wired or wireless communication network); Providing a breakdown of expenses) It is.

In addition, the present invention further includes providing evaluation information on the expenditure breakdown history.

According to the present invention, a smart card (or IC card) possessed by a client has a predetermined data storage space for acquiring transaction details for the provision of goods or services, and the smart card (or IC) from a payment processing terminal. The client payment transaction information stored in the card) is provided to the expense management server that provides the expense management service through wired or wireless.

Transaction history information stored in a smart card (or IC card) is managed by the PC or information terminal (KIOSK) having a smart card (or IC card) reader capable of recognizing the smart card (or IC card). Can be provided to the server.

In addition, the transaction information stored in the smart card (or IC card) may be provided to the expense management server through the wireless terminal linked with the smart card.

The transaction information transmitted from the payment processing terminal to the client smart card (or IC card) may be in the form of a transaction record or electronic receipt between the payment processing terminal and the client smart card (or IC card). The transaction record may include information such as a business name, a registration number (business registration number), a terminal number, a transaction date, a payment cost, a product or service name (or a code), and the transaction record may include the client smart card. (Or IC card) is sent to the expense management server.

The expenditure management server is connected to a client smart card (or IC card) including the transaction record or electronic receipt, etc. through a wired or wireless communication network, the transaction record or electronic receipt received from the smart card (or IC card) Data is matched with personal information of the client to provide expenditure management services for the client.

Client personal information included in the expense management server includes smart card (or IC card) information owned by the client, terminal information, client ID, expense management server access password, mobile communication number, and the like.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 shows a client smart card (or IC card) 135 and the smart card (or IC card) 135 connected to the expense management server 100 via the expense management server 100 and the communication network 145. It is a simple configuration of the present invention consisting of a payment processing terminal 140 for providing transaction history information.

According to the present invention, the expenditure management server 100 from the client smart card (or IC card) 135 provided with transaction details information about the goods purchased from the payment processing terminal 140 located in the goods or service providing stores, etc. Acquires transaction history information, refers to the transaction history information, and serves to provide expenditure management services of the client based on the transaction history. More specifically, the expenditure management server 100, the authentication unit 105, and expenditures. The information confirmation unit 110, the expenditure information storage unit 115, the expenditure management evaluation unit 120 and the client personal information database 125, the expenditure information database 130 is composed of.

The authentication unit 105 in the expense management server 100 works in conjunction with the personal information database 125 and prior to the receipt of transaction details information transmitted from the smart card (or IC card) 135, the smart card (or IC card 135 and the smart card (or IC card) using the function of confirming the authentication of the client, the authentication unit 105 in conjunction with the smart card (or IC card) 135, the client PC or Confirmation of an authentication code (password, etc.) input from an information terminal, etc., and authentication through a card number of the smart card (or IC card) 135, a client PC IP, a terminal number, the IC chip serial number, etc. Do.

The expenditure information check unit 110 in the expense management server 100 after the smart card (or IC card) 135 and the client authentication is completed through the authentication unit 105, the smart card (or IC card) 135 It checks the client transaction history information provided from). The expenditure information checking unit 110 is a trade name, a registration number (business registration number), a terminal number, a transaction date, a payment cost, a product or a service name (product or service code) of the product or service provider included in the transaction history information. Information, such as a barcode), and classifies by expenditure classification item by reference to the transaction history information and provides the expenditure information storage unit 115 in the expenditure management server 100.

In addition, the expenditure classification item is predetermined by the client or the expenditure management server 100, and can be set by date, date, place (region), store, product, and amount.

The expenditure information storage unit 115 in the expenditure management server 100 has a function of storing the expenditure information of the client classified by the expenditure classification items provided from the expenditure information confirming unit 110 with the client personal information, The stored expense management history of the client enables the client to check through the wired / wireless communication network 145.

The expenditure management evaluation unit 120 in the expenditure management server 100 grasps the increased expenditure (overexpenditure) and the like from the expenditure history of the client for each month or for a specific period, by item or expenditure classification, and provides the same to the client. It plays a role.

The personal information database 125 in the expense management server 100 includes a client ID, an access password, a mobile communication number of the client, client PC IP information, a terminal number, and an IC chip mounted on the smart card (or IC card) 135. It is a database that records serial numbers and personal authentication information recorded on the IC chip.

The expenditure information database 130 interworking with the expenditure management server 100 is a database that stores preset expenditure classification items and client expenditure management details classified according to the expenditure classification items.

The smart card (or IC card) 135 receives transaction history information (transaction record or electronic receipt) from the payment processing terminal 140 located in the product or service providing store, Store in a predetermined database, and serves to provide this to the expense management server 100. In addition, the smart card (or IC card) 135 includes an IC chip in which financial settlement information is recorded.

The payment processing terminal 140 refers to a point of sales (POS) terminal, a credit card terminal (CAT), etc., located at a store providing goods or services, and according to the present invention, a smart card (or an IC card) is used. It includes a financial settlement interface, and serves to provide payment transaction history information to the smart card (or IC card).

2, the smart card (or IC card) 135 obtains transaction history information from the payment processing terminal 140 and transmits the transaction history information to the expense management server 100, and transmits the transaction history information from the expense management server 100. For reference, a simple flow diagram of a process for providing the expense management service of the client.

In a product or service providing store, a client sends a payment request for a purchased product or a service to be used to the payment processing terminal 140 by using a smart card (or IC card) based on the IC chip of the financial settlement function. If it is carried out (200), first the smart card (or IC card) 135 and the payment processing terminal 140 checks the validity for financial settlement (205).

When the validity of the financial settlement between the client smart card (or IC card) 135 and the payment processing terminal 140 is confirmed (210), the payment processing terminal performs a payment processing for providing the goods or services of the client, and payment The transaction history information is generated (215).

The payment processing terminal that generates the payment transaction history information is configured to provide the payment transaction history information to a predetermined data storage area of a client smart card (or IC card) (220).

The client that receives the transaction information from the payment processing terminal 140 to his smart card (or IC card) 135 requests a connection to the expense management server in order to receive the expense management service through the transaction history information ( 225). The client can be connected via a client PC or kiosk equipped with the smart card (or IC card) reader. In addition, it is possible to access a wireless network through a wireless terminal that can operate in conjunction with the smart card (or IC card).

In addition, the client PC (or Internet terminal, etc.), kiosk and wireless terminal are equipped with a program or processor related to the recognition and operation of the smart card (or IC card) to achieve the above process.

If it is possible to access the expense management server 100 using the smart card (or IC card) 135 (230), and informs the transmission of the client transaction history information stored in the smart card (or IC card) 135 In operation 235, the authentication unit 105 in the expense management server 100 authenticates the client and the smart card (or IC card) 135 (240).

Client and smart card (or IC card) 135 authentication of the authentication unit 105 is the personal authentication information recorded in the IC chip mounted or detached in the smart card (or IC card) 135, the smart card (Or IC card) 135 to confirm the authentication code (password, etc.) input from the client PC, the mobile communication number, the mobile IP, the terminal number, the card number, the IC chip serial number, etc. of the client wireless terminal. Is done through.

When the smart card (or IC card) 135 and the client authentication are completed through the authentication unit 105 in the expense management server 100 (245), the expense information checking unit 110 in the expense management server 100 is The transaction information stored in the smart card (or IC card) 135 and transmitted through the Internet terminal is confirmed (250), and the classification is performed according to the expenditure item with reference to the transaction history information (255).

In order to classify the transaction item information by the expenditure item, the expenditure information checking unit 110 is linked with the expenditure information database 130, and the expenditure information database 130 includes a classification option for expenditure classification (item, By date, by region, by store, etc.).

When the transaction information is classified through the expenditure information checking unit 110, the expenditure information storage unit 115 in the expenditure management server 100 matches the smart card (or IC card) 135 information or the client personal information. In order to store transaction details for each of the classified expenditure items (260).

In addition, the expenditure management server 100 provides an evaluation of the expenditure items of the client on a monthly or other specific period by referring to the transaction details of the expenditure item of the client through the expenditure management evaluation unit 120. The evaluation is an overexpenditure compared to the previous month, or select the item with a high cost (265), and provides a message for the items, the client through the wired and wireless communication network 145 the expense management server 100 In step 270, the evaluation information may be provided.

3 is a simple exemplary diagram of transaction history information data transmitted from the payment processing terminal 140 to the client smart card (or IC card) 135 and provided to the expense management server 100.

The client smart card (or IC card) 135 obtains the transaction history information in the form of the payment processing transaction record or electronic receipt after the payment processing for the product or service provision from the payment processing terminal 140 is completed and the smart card. (Or IC card) is stored in a predetermined data storage space, this figure is a simple example of transaction history information data provided from the payment processing terminal 140 to the client smart card (or IC card).

The transaction history information in the form of payment processing transaction record or electronic receipt includes information such as trade name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code).

In addition, the transaction history information provided from the payment processing terminal 140 to the smart card (or IC card) 135 is transmitted to the expense management server 100 through the communication network 145.

4 is an example of a simple web browser screen in which the expense management service is provided from the expense management server 100 with reference to the client transaction information provided from the client smart card (or IC card) 135 to the expense management server 100. to be.

The expenditure management server 100 receiving the transaction history information transmitted through the communication network 145 from the smart card (or IC card) 135 refers to the transaction history information and provides the client with the expenditure management service as shown in the figure. Will be provided. The expenditure management service includes a kind of household accounting function, and determines whether an overexpenditure on each item or a period is provided to the client.

The figure is an example of a screen outputting the expenditure classification, expenditure item, store (code), expenditure amount, expenditure date and the like on a table in the form of a table, the classification item may be preset by the client or expenditure management service provider In addition, the present invention is not limited to the classification items shown in the drawings.

According to the present invention, a smart card (or IC card) possessed by a client and having a predetermined data storage space capable of financial settlement and recording or storing payment transaction history information provided from a payment processing terminal, and The client is located on a payment processing terminal and a wired / wireless communication network that provides a payment processing function and transaction details of the payment to the smart card (or IC card) in connection with a financial settlement function of a smart card (or IC card). Receives the transaction history information using a smart card (or IC card) through a client PC including a smart card (or IC card) reader, a kiosk or a wireless terminal capable of interworking with the smart card (or IC card). And, through the expenditure management server for electronically managing the expenditure history, with reference to the transaction history information, Store or record transaction history information from a payment processing terminal in a predetermined data storage space of the smart card (or IC card), and provide the transaction history information to an expense management server, from the expense management server to the transaction history information. By providing the expenditure management service for the user, the user (client) has an advantage in that the expenditure item management can be more conveniently performed without inputting the expense item for the household account book creation. Card operators have the advantage of activating smart cards (or IC cards).

Claims (15)

A client-owned smart card (or IC card) capable of financial settlement and having a predetermined data storage space; A payment processing terminal for providing payment transaction history information to the smart card (or IC card); And Located on a wired / wireless communication network, the client receives the transaction details stored in the smart card (or IC card), matches the transaction details with the personal information of the client, and stores the transaction information in a predetermined database. Expenditure management server for providing expenditure management services to the client; spending history management system using a smart card (or IC card), characterized in that it comprises a. The method of claim 1, wherein the transaction history information, A transaction record between the payment processing terminal and the smart card (or IC card), or Expenditure history management system using a smart card (or IC card), characterized in that the form of an electronic receipt (Electronic Receipt). The method of claim 2, wherein the transaction record, or electronic receipt (Electronic Receipt), At least one or more of the store name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code). The method of claim 1, wherein the client personal information, The client smart card (or IC card) information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management system using a smart card (or IC card), characterized in that it comprises at least one of the client mobile communication number. The method of claim 1, wherein the expense management server, An authentication unit for authenticating the client smart card (or IC card) and / or the client; After the authentication of the client smart card (or IC card) and / or the client is completed through the authentication unit, the transaction history information stored in the smart card (or IC card) provided from the client is checked, and according to a predetermined expense classification item. Expenditure information checking unit to classify; And Smart card (or IC card) characterized in that it comprises a; spending information storage unit for storing the spending information of the client classified by the expenditure classification items provided from the expenditure information checking unit and matching the client personal information; Spending history management system. The method of claim 5, wherein the expenditure classification item, Spend history management system using a smart card (or IC card), characterized in that it comprises at least one or more classification by date, place (area), classification by store, classification by product, classification by amount. The method of claim 1 or 5, wherein the expense management server, Smart card, characterized in that it further comprises an expenditure management evaluation unit for grasping the increased expenditure (overexpenditure) by item or expenditure classification among the expenditure history of the client, compared to the previous month or a specific period, (Or IC card) spending history management system. The method of claim 1 or 5, wherein the expense management server, And a personal information database which records at least one of the client ID, the access password, the client smart card (or IC card) information, the terminal number, and the personal authentication information recorded on the smart card (or IC card). Expenditure history management system using a smart card (or IC card) characterized in that. The method of claim 1 or 5, wherein the expense management server, The expenditure classification management system using a smart card (or IC card), characterized in that it further comprises an expenditure classification database for storing the expenditure classification items that can be set in advance and the expenditure management details of the client classified according to the expenditure classification items. When payment is provided by a product or service, payment is possible, and payment processing for transmitting payment transaction details information to the client-owned smart card (or IC card) and the smart card (or IC card) having a predetermined data storage space. Receiving the transaction history information stored in the smart card (or IC card) from the terminal and the client, characterized in that it comprises a spending management server for managing the spending history of the client, Providing payment transaction details according to the provision of goods or services from the payment processing terminal to the client-owned smart card (or IC card); Providing the transaction history information stored in the smart card (or IC card) from the client to the expense management server; Classifying and storing the payment transaction history information from the expense management server in a predetermined database by matching the personal information of the client; And Providing payment transaction history information (or expenditure history) classified and stored in the database to the client connected to the client through the wire / wireless communication network from the expense management server; How to manage your history. The method of claim 10, wherein the transaction history information, Transaction Record between the payment processing terminal and the smart card (or IC card), or Method of managing expenditure history using a smart card (or IC card), characterized in that the form of an electronic receipt (Electronic Receipt). The method of claim 11, wherein the transaction record, or the electronic receipt, Expense management using smart card (or IC card), characterized in that it comprises at least one or more of the store name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code) Way. The method of claim 10, wherein the client personal information, The client smart card (or IC card) information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management method using a smart card (or IC card), characterized in that it comprises at least one or more client mobile communication number. The method of claim 10, wherein the expense history provided to the client connected from the expense management server via a wired or wireless communication network, Method for managing expenditure history using a smart card (or IC card), characterized in that it comprises at least one or more classification details, date (region), classification details by store, classification details by store, classification details by product, classification details by amount. The method of claim 10, wherein the expense history provided to the client connected from the expense management server via a wired or wireless communication network, Expenditure using a smart card (or IC card), characterized in that the increased expenditure (overexpenditure) of the client's expenditure history, compared to the previous month or a specific period of time, by item or expenditure classification is provided to the client How to manage your history.