KR20050038221A - Management method for settlement particulars using handheld terminal - Google Patents

Abstract

The present invention relates to a method for managing payment details using a mobile terminal, and in particular, to manage payment details of a user in a financial service company such as a credit card so that a payment history is transmitted to a user using a message service such as SMS when a payment occurs. The purpose is to. The present invention for this purpose is a first step of registering to receive a message about the payment information to each credit card service provider subscribed to the user, and a second step of confirming that the credit card payment information when a text message is received, A third step of storing the information message as a database based on the business identification number and the payment date and storing it in the credit card payment information inbox when the credit card payment information is confirmed; If there is a payment information confirmation setting, characterized in that configured to perform a fifth step of displaying on the screen the payment price information divided by payment date or business.

Description

MANAGEMENT METHOD FOR SETTLEMENT PARTICULARS USING HANDHELD TERMINAl}

The present invention relates to a credit card payment system, and more particularly, to a payment history management method using a mobile terminal.

With the recent development of communication technology, it has been widely distributed to the general public due to the price reduction and miniaturization of portable terminals, especially mobile communication terminals.

In addition, as the mobile communication terminal is spread to the general public, various services are provided.

At present, a service is provided in which a mobile communication terminal (hereinafter referred to as a mobile phone), an Internet service company, a card company, and a bank are connected to a database to comprehensively manage all the money management of subscribers.

In this way, when a user subscribes to a service provider and pays a predetermined fee, the user manages all the assets of the subscriber and provides the current money management status to the subscriber who accesses the web.

However, the prior art has the inconvenience of subscribing to an Internet service provider and managing all their assets on a database of a specific service provider on the web.

In addition, the prior art has to pay a certain cost by joining the service provider in order to use the service, there is a hassle to access the Internet when checking their information.

Therefore, in order to solve the conventional problem, the present invention manages a user's payment history in a financial service company such as a credit card, and when a payment occurs, a mobile terminal invented to transmit a payment history to a user using a message service such as SMS. The purpose is to provide a payment history management method using.

In order to achieve the above object, the present invention provides a method of registering a payment information message with each financial service provider to which the user has subscribed, and if the text message is received, confirming whether the payment information message is received. If confirmed, the database is stored on the basis of the operator and the date and stored in the payment information inbox, the step of determining whether the payment information confirmation is set, and if the payment information confirmation setting in the above, the payment price divided by date or carrier And displaying the information on the screen.

Hereinafter, the present invention will be described in detail with reference to the drawings.

1 is a signal flow diagram of a process for an embodiment of the present invention, as shown in the first step of registering a message for payment information with each credit card service provider that a user subscribes to, and when a text message is received. A second step of confirming whether the message is a payment information message from the registered service provider; and if the credit card payment information is confirmed in the above, the information message is databased based on the operator identification number and the payment date to receive the credit card payment information. And a fourth step of determining whether payment information confirmation is set, and a fifth step of displaying payment price information classified by a payment date or a business operator on the screen when the payment information confirmation setting is present. Configure to

The payment date is configured to divide the payment information into monthly and weekly units for storage.

The mobile phone for the embodiment of the present invention includes a general SMS (Short Message Service) inbox and a separate credit card payment information inbox.

Referring to the operation and effect of the embodiment of the present invention configured as described above are as follows.

The mobile phone user registers the service provider with the credit card service provider in order to receive the payment information of the credit card used by the user as a text message such as SMS.

Therefore, when a credit card service company needs to transmit a payment information message to a subscriber, a unique identification number assigned to the service provider is added to the payment information message. This is because a large number of credit card service providers exist and most users can subscribe to a plurality of service providers.

Then, when a text message is received at the subscriber's mobile phone, the mobile phone controller (not shown) interprets a specific syntax of the currently received text message to determine whether the message is related to credit card payment information or a general text message.

At this time, if it is determined that the general text message is received, the mobile phone controller (not shown) stores the text message in the existing SMS inbox and notifies the user of the text message.

If the currently received message is determined to be a credit card payment information message, the mobile phone controller (not shown) stores the text message in a credit card payment information inbox separately and informs the user of the message.

Accordingly, when the user presses the message confirmation button, the mobile phone controller (not shown) displays the currently received message on the screen to inform the payment details.

On the other hand, in the embodiment of the present invention, in the credit card payment information inbox, the received payment information message is reflected in the service provider and the payment date and stored in a database.

At this time, the payment information is provided in the credit card payment information inbox for a certain period of time (for example, one month) or the user so that the payment information can be immediately checked without the need to check the payment information through the Internet. Will be retained until the delete setting.

Therefore, when the user selects the payment information confirmation menu on the menu screen and sets the payment information confirmation by date, period or service provider, the mobile phone controller (not shown in the drawing) organizes the payment details according to the corresponding setting and displays them on the screen.

Figure 2 is an illustration of a payment history message, Figure 2 (a) shows a payment history for a certain period, Figure 2 (b) shows a payment history for each service provider.

As described in detail above, the present invention keeps payment information distinguished by each card company in a separate inbox from the existing SMS inbox which stores a general text message, so that the subscriber can immediately check the amount of use of various card companies owned by the user. There is an effect that can eliminate the hassle of checking information through the Internet.

In addition, since the present invention receives payment information using a service such as SMS, the user does not have to pay a separate service cost, and thus does not burden the user with the cost of using the service.

1 is an operation flowchart showing a payment history management process in an embodiment of the present invention.

Figure 2 is an exemplary view of the payment history message in Figure 1;

Claims (4)

Registering receipt of a payment information message with each financial service provider to which the user subscribes; When you receive the text message, check your payment history information, If the credit card payment history information is confirmed in the above step of storing the information message database based on the carrier identification number and the payment date stored in the message inbox, Determining if billing information verification is set up, If the payment information is set in the above, the payment details management method using a mobile terminal, characterized in that configured to perform the step of displaying on the screen the payment price information divided by period or setting by setting. The method of claim 1, wherein the payment history display step If it is determined that the payment information is confirmed, the process of confirming whether the payment history is displayed for each period or the payment history for each business operator, The payment history management method using a mobile terminal, characterized in that the process of displaying the payment history in accordance with the selected display method. The method of claim 1, wherein the message inbox is A method of managing payment details using a mobile terminal, characterized in that the mobile terminal is configured to be mounted separately from the general message box so as to keep only the payment history information. The method of claim 1 or 3, wherein the message inbox is A method for managing payment history using a mobile terminal, characterized in that the storage of payment history information until the user's deletion setting or for a certain period of time.