KR20060016612A - Apparatus and method for managing credit of financial service - Google Patents

Abstract

The present invention relates to an apparatus and method for managing a credit of a financial service, and in the related art, a user directly checks a payment history of a credit card, a bank account balance, and compares the payment amount and the bank balance to determine whether the credit card is paid next month. Therefore, there was a problem in that overdue interest due to non-payment of the payment balance when the bank balance is insufficient. In view of the above problems, the present invention includes the steps of receiving and storing a cumulative period of a payment amount and bank account information from a user in a mobile communication terminal; Receiving a payment message from a credit card payment institution; Reading the payment amount included in the payment message and accumulating the amount paid so far to calculate the amount paid by the credit card for a predetermined period; Accessing an account inquiry server, checking a bank account of a user managed by a financial institution, checking an account balance and determining a balance that can be paid as a payment amount; Displaying the accumulated payment amount and the balance of inquired account at the time of credit card payment and displaying the payment amount that can be paid by the bank balance at the time of credit card payment, the user uses the credit card according to the balance of his / her bank account. It is effective to prevent nonpayment in advance.

Description

Apparatus and method for managing credit in financial services {APPARATUS AND METHOD FOR MANAGING CREDIT OF FINANCIAL SERVICE}

1 is a block diagram showing the configuration of a credit management apparatus of a financial service for explaining the present invention.

Figure 2 is a block diagram showing the configuration of a credit management device of a mobile communication terminal according to an embodiment of the present invention.

3 is a flowchart illustrating a credit management method of a mobile communication terminal according to an exemplary embodiment of the present invention.

** Description of the symbols for the main parts of the drawings **

31: payment message receiving unit 32: payment amount accumulation unit

33: credit management department 34: balance inquiry

35: warning message output unit

The present invention relates to a credit management apparatus and method of the financial service, and more particularly, to a credit management apparatus and method of the financial service that enables to output a warning message when the credit card payment exceeds the bank balance.

The user pays for the goods with a credit card and checks the payment message received by the mobile terminal to manage the payment result. The user subscribes to a payment message service of a credit card settlement institution in order to receive a payment message when using a credit card. When a user purchases an item with a credit card after subscribing to a payment message service, a payment message containing payment information is received at a mobile communication terminal. The user opens the received payment message to check the usage history of the credit card.

The credit card settlement institution notifies the text message server of the price of the goods paid when the user uses the credit card, and transmits the payment message to the mobile communication terminal possessed by the user. The payment message transmits the contents of payment for the use of the credit card to the user, thereby preventing the credit card from being stolen.

The user adds up the payment amount included in the payment message to check the price of the goods used during the predetermined period and manages the credit. The user requests and confirms the payment amount with the credit card payment institution, and checks the usage history of the credit card by comparing with the payment amount included in the payment message.

When the mobile communication terminal provides a service for searching an account of a financial institution, a user may access a financial institution having an account using an account inquiry service to check an account balance. The user checks the account balance, estimates the amount of money available in the future, and refrains from using the credit card.

 However, in the prior art as described above, the user directly checks the payment history of the credit card, the balance of the bank account and compares the payment amount with the balance of the bank to determine whether to pay the credit card price next month, so the payment amount when the bank balance is insufficient There is a problem in that overdue interest due to non-payment must be paid.

Accordingly, the present invention has been made in view of the above-mentioned problems, and credit management of a financial service that allows a user to use a credit card in a bank balance by outputting a current accumulated payment amount and an inquiring bank balance when using a credit card. It is an object of the present invention to provide an apparatus and method.

The present invention for achieving the above object, and a credit card payment institution for notifying the text message server of the details of the payment when the user uses the credit card; A text message server for creating a payment history in a text message form and transmitting a payment message to a mobile communication terminal; A mobile communication terminal for receiving a payment message, calculating a cumulative amount of payments paid to date, checking a balance by checking a bank account, and outputting the accumulated payment amount and balance when a credit card is used; When the account inquiry request of the mobile communication terminal is connected to a financial institution to look up the user's bank account, the balance, and characterized in that it is configured as an account inquiry server for notifying the confirmed balance to the mobile communication terminal.

The method may further include: receiving and storing a cumulative period of a payment amount and bank account information from a user in the mobile communication terminal; Receiving a payment message from a credit card payment institution; Reading the payment amount included in the payment message and accumulating the amount paid so far to calculate the amount paid by the credit card for a predetermined period; Accessing an account inquiry server, checking a bank account of a user managed by a financial institution, checking an account balance and determining a balance that can be paid as a payment amount; And displaying the accumulated payment amount and the inquired account balance on the screen.

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

1 is a block diagram showing the configuration of a credit management device of a financial service for explaining the present invention, as shown in the credit card payment for notifying the text message server 20 of the details of the payment when the user uses the credit card Engine 10; A text message server 20 for filling out the payment details in the form of a text message and transmitting the payment message to the mobile communication terminal 30; A mobile communication terminal 30 for receiving a payment message and calculating a cumulative payment, a bank account, checking a balance, and outputting the accumulated payment and balance when a credit card is used; When the account inquiry request from the mobile communication terminal 30 is connected to the financial institution 50, the bank account of the user is inquired to check the balance, and the account inquiry server 40 notifying the confirmed balance to the mobile communication terminal 30. It consists of.

The credit card payment institution 10 notifies the text message server 20 of the details of the payment when the user uses the credit card, and the text message server 20 writes the payment details in the form of a text message to transfer the payment message to the mobile communication. Transfer to the terminal 30.

The mobile communication terminal 30 receives the payment message and accumulates the payments paid to date, checks the balance by inquiring the user's bank account, and outputs the accumulated payment price and balance when the credit card is used.

When the account inquiry server 40 requests the account inquiry of the mobile communication terminal 30, the account inquiry server 40 accesses the financial institution 50 to check the balance of the user's bank account, and notifies the mobile communication terminal 30 of the confirmed balance. do.

2 is a block diagram showing the configuration of a credit management device of a mobile communication terminal according to an embodiment of the present invention, as shown in the payment message receiving unit for receiving and storing the payment message transmitted from the credit card payment institution (10) (31); A payment amount accumulator 32 which reads the payment amount included in the payment message and accumulates the amount paid until now and calculates the amount paid by the credit card for a predetermined period; A balance inquiry unit 34 which accesses the account inquiry server 40 and inquires the balance of the bank account and checks the balance available for payment of the credit card; A credit management unit 33 for outputting the accumulated payment amount and the balance of the inquired bank account, and informing the warning message output unit 35 of the non-payment of the payment amount if the payment amount exceeds the account balance; It is composed of a warning message output unit 35 for outputting a warning message indicating that the payment amount in the next month with the balance remaining in the account when the account balance exceeds the payment amount.

The payment message receiving unit 31 receives and stores the payment message transmitted from the credit card payment institution 10, and the payment amount accumulation unit 32 reads the payment amount included in the payment message and accumulates the amount paid up to now. Calculates the amount of money paid by the credit card for a predetermined period of time.

The balance inquiry unit 34 connects to the account inquiry server 40 and checks the balance of the bank account to check the balance available for payment of the credit card.

The credit management unit 33 outputs the accumulated payment amount and the balance of the inquired bank account, and determines whether the payment amount exceeds the account balance, and transmits the non-payment of the payment amount to the warning message output unit 35.

The warning message output unit 35 outputs a warning message indicating that the payment amount cannot be paid in the next month as the balance remaining in the account when the account balance exceeds the payment amount.

3 is an operation flowchart of a credit management method of a mobile communication terminal according to an embodiment of the present invention, as shown therein, receiving a payment message from a credit card settlement institution; Reading the payment amount included in the payment message and accumulating the amount paid so far to calculate the amount paid by the credit card for a predetermined period; Accessing an account inquiry server, checking a bank account of a user managed by a financial institution, checking an account balance and determining a balance that can be paid as a payment amount; Displaying the accumulated payment amount and the inquired account balance when the credit card is paid; Comparing the payment amount and the account balance, it is determined whether the payment amount exceeds the account balance, and if exceeded, a warning message indicating that the payment amount is not paid in the balance is output.

Suppose a user uses a credit card to pay for an item and check the payment amount and the account balance displayed on the screen.

The user inputs the payment amount, the cumulative period of the payment amount necessary for checking the account balance, and the bank account information. The mobile terminal stores the cumulative period of the payment amount, the bank account information, and uses the cumulative calculation of the payment amount and the inquiry of the account balance.

The mobile communication terminal receives a payment message from a credit card settlement institution, reads the payment amount included in the payment message, accumulates the amount paid so far, and calculates the amount paid by the credit card for a predetermined period. The mobile terminal determines a predetermined period for calculating the payment amount, and calculates the amount paid up to now by adding the payment amount of the payment message to the previous cumulative payment amount. After a predetermined period of time, the mobile communication terminal initializes the cumulative settlement amount and executes accumulation of the settlement amount for a predetermined period.

The mobile communication terminal accesses an account inquiry server, searches a bank account of a user managed by a financial institution, checks an account balance, and determines a balance that can be paid as a payment amount. The mobile communication terminal requests the account inquiry server to check the balance of the bank account with reference to the stored information about the bank account of the user, receives a payable balance and stores the received balance.

The mobile terminal displays the accumulated payment amount and the inquired account balance when the credit card is settled on the screen. The mobile terminal displays the payment amount and the balance on the screen so that the user can check the payment amount and the balance according to the use of the credit card.

The mobile terminal determines whether the payment amount exceeds the account balance by comparing the payment amount with the account balance, and if it exceeds, outputs a warning message indicating that the payment amount cannot be paid as the balance. The mobile terminal outputs a warning message to inform the user of exceeding the balance of the payment amount, and the user checks the warning message to anticipate the non-payment due to the use of a credit card.

As described in detail above, the present invention displays the payment amount that can be paid by the bank balance at the time of credit card payment, so that the user can use the credit card according to the balance of his / her bank account and prevent the payment in advance. It works.

Claims (4)

A credit card payment institution that notifies the text message server of the details of the payment when the user uses the credit card; A text message server for creating a payment history in a text message form and transmitting a payment message to a mobile communication terminal; A mobile communication terminal for receiving a payment message, calculating a cumulative amount of payments paid to date, checking a balance by checking a bank account, and outputting the accumulated payment amount and balance when a credit card is used; A credit management apparatus for a financial service, comprising: an account inquiry server configured to access a financial institution to request a bank account of a mobile communication terminal, check a balance by searching a user's bank account, and notify the mobile terminal of the confirmed balance; . The mobile communication terminal of claim 1, further comprising: a payment message receiving unit configured to receive and store a payment message transmitted from a credit card settlement institution; A payment amount accumulator which reads the payment amount included in the payment message and accumulates the amount paid until now and calculates the amount paid by the credit card for a predetermined period; A balance inquiry unit which accesses an account inquiry server and inquires the balance of a bank account and checks the balance available for payment of a credit card; A credit management unit for outputting the accumulated payment amount and the balance of the inquired bank account, and informing the warning message output if the payment amount exceeds the account balance and notifying the payment of the payment amount; And a warning message output unit for outputting a warning message indicating that the payment amount cannot be paid in the next month when the balance amount exceeds the account balance. Receiving and storing a cumulative period of a payment amount and bank account information from a user in the mobile communication terminal; Receiving a payment message from a credit card payment institution; Reading the payment amount included in the payment message and accumulating the amount paid so far to calculate the amount paid by the credit card for a predetermined period; Accessing an account inquiry server, checking a bank account of a user managed by a financial institution, checking an account balance and determining a balance that can be paid as a payment amount; The credit management method of the financial service, characterized in that consisting of the step of displaying the accumulated payment amount, the inquiry balance on the screen when the credit card payment. The method of claim 3, wherein the screen display at the time of the credit card settlement determines whether the payment amount exceeds the account balance by comparing the payment amount with the account balance, and outputs a warning message indicating that the payment amount is not paid by the balance amount. Credit management method of a financial service, characterized in that consisting of.

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