KR20050049217A - Method for managing credit card usage in mobile communication terminal - Google Patents

Abstract

The present invention calculates the cumulative expenditure for each item of use of the credit card each time the user uses the credit card in the mobile communication terminal, and warns the user of the excess usage when the usage limit of the preset credit card is exceeded. It's about how to do it. When the user inputs DB data for managing the credit card usage history in advance, the terminal receives the usage history as a short message every time the credit card is used, and calculates the sum for each expenditure item based on this to update the DB data. If the updated expenditure item exceeds the limit amount of the item previously input, an alarm is notified to the user of an excessive use, and the sum of the sum of the expenditure item exceeds the sum of the limit amount for each expenditure item. At the same time as the alarm, a short message is notified to the person who has a certain relationship with the user.

Description

{Method for managing credit card usage in mobile communication terminal}

The present invention relates to a mobile communication terminal capable of a short-term professional service, in particular, to calculate the cumulative credit card usage history and when the use of a preset credit card is notified by an alarm or a short message to a preset person It is about how to transmit.

Generally, a credit card is issued to an individual or a corporation by an issuer such as a financial institution, and the CD / ATM or financial window allowed by the credit card issuer within the utilization amount information of the issued credit card, After paying for certain goods or services offline at the merchant's EFT / POS (Point Of Sale, Point of Sale Information Management) terminal through a PC / telephone connected online, the VAN (Value Added Network) company Through the financial institution will be settled.

In addition, a financial institution is an institution that distributes, supplies, and brokers funds. For example, financial institutions, such as banks, securities companies, and insurance companies, perform financial transactions through credit cards, cash cards, and debit cards.

When using such a credit card, a statement of transaction details, such as the date and time of use, place of use, amount used and fees associated with it, will be sent to you by mail or email, especially to the user several days in advance of the settlement date. do.

However, in this case, the user may not recognize whether the credit card is illegally used by another person due to the loss of the credit card until the transaction details are received, and thus the user may have to settle the illegal use amount.

Patent registration No. 0342658 is a prior art to prevent such an irrational. The present invention relates to a method of notifying a user of a transaction information of the credit card at the same time as using the credit card in a short message service (hereinafter, referred to as SMS).

However, according to this, the contents of the SMS notified to the user only include schedule information according to the transaction, such as a use card, a date and time of use, and an amount of money used. It was impossible.

In addition, in the reality that a large amount of bad credit is being produced due to the indiscriminate card issue of each card company and the lack of awareness of the importance of credit card users, it is necessary to inform the user only the fragmentary credit card usage information. It is true that there was a lack of awareness or judgment as to whether the use was within the appropriate range.

The present invention has been made in view of the above points, and each time a credit card is used, the cumulative expenditure for each item of use is calculated and notified to the user. The purpose is to alert the user.

Another object of the present invention is to notify the credit card user to the person who is in a certain relationship with the credit card user, such as a protector, etc., when the use of the credit card exceeds a preset usage limit by SMS. do.

To this end, the present invention provides a first step of receiving a short message including the usage history information of the credit card, and a second step of analyzing the received short message to update DB data for managing usage history. And a third step of outputting accumulated credit card usage information according to the updated DB data on the screen of the mobile communication terminal.

In addition, the step of inputting a limit amount for each item of each field and the expenditure item field of the DB data for managing the usage history, and alerts the user when the cumulative amount of each item of the expenditure item exceeds the previously entered limit amount It further comprises the step of.

In this case, the user may be notified of the use of the alarm in an alarm manner, or the user may be notified by SMS to the person who is registered as an alarm target at the same time as the alarm.

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

1 is a functional block diagram of a mobile communication terminal for implementing the present invention credit card usage management method.

The controller 108 performs wireless communication or data processing of the entire terminal and controls respective parts of the terminal to be described later. In particular, according to the present invention, an algorithm for determining whether the user checks the received message, determining whether the cumulative amount according to the usage history of the credit card exceeds the input limit amount previously input, and the like is implemented.

The key input unit 104 includes various keys including a digit / character key, a call key, an end key, and the like, and generates and provides a key signal corresponding to a key pressed by the user to the controller 108. The voice processor 116 converts the voice data received by the receiver 110 into an analog electric voice signal under the control of the controller 108 and outputs the voice data to the speaker SPK. Then, the speaker SPK converts the electrical voice signal into an audible sound and outputs the audible sound. The microphone converts the voice into an electrical voice signal and provides the voice to the voice processor 116.

The display unit 240 may be generally configured as a liquid crystal display (LCD). The display unit 240 receives data to be displayed under the control of the controller 108 and displays various messages such as an operation state of the wireless terminal, dialed data, and the like. In the present invention, the contents of the text message including the credit card usage history, the accumulated contents of the usage, and the scene of inputting each field of the DB data for managing the usage history are displayed.

 The memory unit 106 has an area for storing control program codes, various data, and data stored by a user required for the operation of the controller 108. In the present invention, mainly the DB data such as card type, management period, expenditure items, warning method, and the like are stored.

2 is a network diagram for explaining a credit card usage history management method of the present invention.

In order to implement the method for managing credit card usage history according to the present invention, the mobile communication terminal 211, the credit management system 203 of the credit card company, the terminal 201 of the credit card merchant, the mobile communication system 140 of the communication company It consists of a communication network between each component.

The credit card management system 140 of the credit card company issues a credit card that can be used within a certain amount limit when purchasing a service to a user of the mobile communication terminal 211, and requests a transaction approval from a user who uses the issued credit card. Accordingly, the transaction approval signal is selectively transmitted.

The credit management system 203 of the credit card company includes two types of databases 205, a transaction history information database and a credit storing transaction history information according to a transaction approval request generated by an issued credit card. It is a member information database containing the personal information of the card user.

The credit management system 203 of the credit card company transmits a transaction approval signal to the terminal 201 of the credit card merchant, and simultaneously sends a short message through the SMS server 209 of the communication company. Notify by.

The mobile communication terminal 211 is a cordless phone, a cellular phone, a PCS phone, a mobile phone such as an IMT2000, a personal digital assistant (PDA), a personal computer (PC), a laptop PC (lap-top PC), a palmtop PC ( handheld PC (HPC) such as a palm-top PC).

Figure 3 is a flow chart for implementing the present invention credit card usage management method.

First, the user inputs the contents of the DB data composed of fields for managing credit card usage history of the mobile communication terminal, that is, a management target card name, a management period, an expense item, and a warning method (S301). Here, the expenditure items can be divided into categories that are expected to be spent such as fuel costs, food expenses, and cultural expenses, so that the expenditure limit can be determined individually, and the alarm method is to select SMS notification while all / some alarms can be selected. In this case, the telephone number of the subject to be notified should be entered.

After that, when the user uses the card at a specific credit card merchant, the terminal of the merchant requests the credit card company to authenticate and transmits the usage information, and the credit card company authorizes the authentication and simultaneously communicates. The credit card usage information is transmitted to the SMS server of the company. Now, the SMS server of the communication company that receives the notification notifies the usage information to the credit card user, the terminal owner, by SMS (S303).

The mobile communication terminal extracts necessary information from the received SMS and updates the contents of the DB data for managing the usage history (S305). Since SMS is text-based information, it is parsed and analyzed by information corresponding to each field of the DB data, and based on this, the cumulative usage of items is updated. In addition, the total sum of each item should be calculated separately, since it will be the basic data for alerting a certain person by SMS in case of exceeding credit card usage.

If the cumulative sum of the expenditure items updated above in the DB data exceeds the expenditure limit amount set in advance for the item, the user is alarmed of the excess (S313). At this time, if the total sum of the expenditure item by the expenditure item exceeds the sum of the spending amount for each expenditure item by the update of the expenditure item, the user is notified of the fact that the total limit amount is exceeded and a person who receives a warning notice in advance. The registered person is notified by SMS (S311).

4 is a structural diagram of DB data for credit card usage history management.

As described above, the field of the DB data may be composed of a card type 401, a management period 403, an expenditure item 405, a warning method 407, a total 409, and the like. It is obvious that the field of can be added. The expenditure item 405 is composed of various sub-items, and the expenditure item 405 and the sum 409 store the cumulative amount and the used amount together.

FIG. 5 is an example of a terminal screen outputting a usage history of the credit card received by SMS and a total credit card usage calculated on the basis of the credit card.

As an example of receiving usage history information from a credit card company and notifying the user terminal of the usage history, this indicates a card type, a date and time of use, an affiliate store, an affiliate store number, and an amount of use (501). In the process of analyzing SMS to perform step S305 of FIG. 3, the card type and the amount used of the information are immediately available as data for renewal, whereas the merchant or merchant number is a detailed item in the expenditure item field of the DB data. (Ie fuel costs, food expenses, the Ministry of Culture, etc.) is used as a reference for classification.

Next, when the user confirms the SMS received contents, the contents of the updated DB data are output to the terminal screen (503). At this time, the sum of expenditure by item and the limit amount are displayed together to help establish a future expenditure plan, and when it is difficult to output all the information on one page, the screen can be changed to the next page (505). .

FIG. 6 is an example of a terminal screen outputting a warning message when the accumulated amount of credit card usage exceeds a usage limit.

If the use of the card exceeds the spending limit for each item, it is sufficient to notify the user only by an alarm. If you don't spend on other items, you don't go over your credit card as a whole. However, if the total sum of expenditure items exceeds the total usage, it can be a big problem.If the user is a person who is not able to repay debts, such as a minor, he or she shall notify the guardian of the overuse. There is a need. In this case, it indicates that it is a warning message by attaching a title of <emergency notification> when SMS notification (601).

7 is an example of a terminal screen for inputting each field of DB data for credit card usage history management according to an embodiment of the present invention.

If the terminal enters the menu in the standby state (701), select the '3 convenient function' (703), it is possible to set the credit card usage management function (705). Here, each field of the DB data for the usage history management is entered. In particular, when the expenditure item field is selected, the name of each expenditure item and the usage amount for each item are entered.

In this case, since the affiliated store name or the affiliated store number is used to perform the classification by item in the process S305 of FIG. 3, that is, the SMS, the item name should be predetermined in the terminal.

As described above, according to the present invention, it is possible to grasp the cumulative expenditure item for the use history for each time the credit card is used, and to refer to the future expenditure plan. In addition, when the accumulated amount due to the use of the credit card exceeds the user's preset usage amount, the user is notified by the alarm, and the person who has a certain relationship with the user, especially a guardian, is notified by SMS. It is effective in preventing the situation of being stigmatized by the poor credit due to the indiscriminate expenditures of minors and non-participants.

1 is a functional block diagram of a mobile communication terminal for implementing the present invention credit card usage management method.

2 is a network diagram for explaining a credit card usage history management method of the present invention.

Figure 3 is a flow chart for implementing the present invention credit card usage management method.

4 is a structural diagram of DB data for credit card usage history management.

FIG. 5 is an example of a terminal screen outputting a usage history of the credit card received by SMS and a total credit card usage calculated on the basis of the credit card.

FIG. 6 is an example of a terminal screen outputting a warning message when the accumulated amount of credit card usage exceeds a usage limit.

7 is an example of a terminal screen for inputting each field of DB data for credit card usage history management according to an embodiment of the present invention.

Claims (6)

In the mobile communication terminal that stores the DB data for credit card usage history management, A first step of receiving a short message including the usage history information of the credit card, A second step of updating the DB data by analyzing the received short message; A third step of outputting accumulated credit card usage information according to the updated DB data on a screen of a mobile communication terminal; Credit card usage history management method in a mobile communication terminal comprising a. The method of claim 1, In the second step of updating the DB data, the item of expenditure is determined using the name of the affiliated company or the number of the affiliated companies among the information included in the received short message, and the cumulative total of the item is calculated and stored again. How to manage your credit card usage history on the mobile terminal. The method of claim 1, And the DB data includes a card type, a management period, an expenditure item, a warning method, and a sum as fields. The method of claim 3, wherein And inputting a limit amount for each subitem of each field of the DB data and the expenditure item field. The method of claim 3, wherein If the cumulative sum of each item of the expenditure item field exceeds the limit amount of each item, alarming the excess fact to the user, further comprising: a method of managing credit card usage in a mobile communication terminal. The method of claim 3, wherein If the sum of the sum of each item in the expenditure item field exceeds the sum of the limit amount of each item, the user is notified of the excess and alarmed to the user. Method of managing a credit card usage history in a mobile communication terminal further comprising the step of notifying by a message.