KR20090055214A - Apparatus and method for payment detail notification and management - Google Patents

Apparatus and method for payment detail notification and management Download PDF

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Publication number
KR20090055214A
KR20090055214A KR1020070122016A KR20070122016A KR20090055214A KR 20090055214 A KR20090055214 A KR 20090055214A KR 1020070122016 A KR1020070122016 A KR 1020070122016A KR 20070122016 A KR20070122016 A KR 20070122016A KR 20090055214 A KR20090055214 A KR 20090055214A
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KR
South Korea
Prior art keywords
message
payment
payment history
text message
rule
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KR1020070122016A
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Korean (ko)
Inventor
김회원
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삼성전자주식회사
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Priority to KR1020070122016A priority Critical patent/KR20090055214A/en
Publication of KR20090055214A publication Critical patent/KR20090055214A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W80/00—Wireless network protocols or protocol adaptations to wireless operation
    • H04W80/08—Upper layer protocols
    • H04W80/12—Application layer protocols, e.g. WAP [Wireless Application Protocol]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W88/00—Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
    • H04W88/02—Terminal devices

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  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

An apparatus for recognizing/managing a payment detail message and a method thereof are provided to recognize the payment detail message by using the general short message without using a specific format or pattern. An RF communication unit(310) receives a short message including a payment detail message. A storage unit(350) stores a service number, a detection rule corresponding to the service number and parsing rule. A controller(360) compares the caller phone number of a received short message with the service number. According to the detection rule, the controller performs the pattern matching process for the received short message to determine whether the received short message is the payment detail message.

Description

Apparatus and method for payment detail notification and management}

The present invention relates to an apparatus and method for recognizing and managing text messages related to payments such as credit cards using a mobile terminal. In particular, the portable terminal of the present invention determines whether the received text message is related to payment information through pattern matching according to a calling party number and a detection rule of the received text message. In addition, the portable terminal parses the received payment details message according to a predetermined parsing rule, and displays the result on a display unit for each item so as to be managed.

With the rapid spread of mobile terminals, the population of SMS services is growing rapidly. The SMS service is already established as one of the means of communication because the contents can be delivered almost simultaneously with the time of dispatch. In particular, the user may receive information such as weather, weather forecast, stock information, etc. using the SMS service.

At the same time, a service for informing the payment details through SMS of a mobile terminal upon payment of a credit card or the like is also widely available. This information is widely used because it has the effect of inspecting payment history in real time and preventing card theft or incorrect payment. In addition, although a number of patents have been registered and promulgated for a user to distinguish a payment history message regarding payment approval details from a general text message and to store and manage it separately, in this case, the payment history message regarding the payment approval details is recognized. The problem is that you need to assume a certain format to do this. In the case of using the above method, it may be impractical in that a specific format agreed to by each card information service provider must be defined and followed. In addition, since most payment history messages are displayed on the display unit of the portable terminal in a sentence form without a line break, the user may not easily check the payment history at a glance. Therefore, it is necessary to recognize that the payment details are messages using a general text message provided without a specific format, and to display the payment details by items so that the user can conveniently use and manage the payment details message.

It is an object of the present invention to provide an apparatus and method for recognizing and managing a payment history message using a text message without using a specific format. More specifically, the mobile terminal according to an embodiment of the present invention confirms that the payment details are messages using the service number including the sender number of the text message, parses them according to a predetermined parsing rule, and pays the result. The purpose is to display on the display unit for each breakdown item.

The mobile terminal of the present invention for achieving the above object is an RF communication unit for receiving a text message including a message regarding the payment history, a service number for transmitting the payment history message, a detection rule corresponding to the service number (detection rule) And a storage unit for storing a parsing rule, comparing the caller number of a received text message with the service number, and performing pattern matching on the received text message according to the detection rule. The control unit may determine whether the received text message is a payment history message, parse the received payment history message according to the parsing rule, and display the received payment history message for each item according to a parsing result.

In addition, the payment history message recognition method for achieving the above object comprises the steps of registering the detection rules and parsing rules of the payment history message according to the originating subscriber, checking the information of the originating subscriber when receiving the text message, the originating subscriber Performing pattern matching on the received message according to a set detection rule; and if the pattern of the received message matches the pattern stored in the storage unit, the received message. The method may include parsing and displaying each item according to a set parsing rule.

When using the apparatus and method for recognizing and managing the payment history message of the present invention, the payment history message may be recognized using a general text message without using a specific format or pattern. In addition, the payment details message is parsed according to a predetermined parsing rule, divided into card names, dates, and the like, and displayed on the display unit, so that the user can more conveniently check and manage information on the payment details. In addition, even if the payment history message type of the service provider is arbitrarily converted, it is possible to recognize and display the payment history message according to the converted payment history message type by separately updating only a corresponding rule.

The mobile terminal according to an embodiment of the present invention may include not only a mobile communication terminal but also a personal digital assistant (PDA), a smart phone, an international mobile telecommunication 2000 (IMT-2000) terminal, a UMTS terminal, and the like. Can be.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings such that those skilled in the art may easily implement the present invention.

1 and 2 are exemplary views showing a conventional payment history received from a service provider when a user makes a payment using a credit card.

As shown in FIGS. 1 and 2, when a user makes a payment through a different service company, the user's mobile information is transmitted through a text message in a form in which information on a card name, a use date, a use time, a use company, and the like are different. Is sent to the terminal. In addition, as shown in the figure, since the information about the payment is displayed in the display unit of the portable terminal in a sentence form without line breaks, it is difficult for the user to check the payment details at a glance.

3 is an internal structural diagram showing a structure of a mobile terminal for recognizing and managing a payment history message according to an embodiment of the present invention.

The RF communication unit 310 includes an RF transceiver, a duplexer, and the like and performs a function as a general mobile communication terminal such as an RF transmission / reception process. In particular, in the present invention, the RF communication unit 310 may receive a text message including a payment detail message.

The input unit 320 may be configured as a keypad, a touch screen, or a touch pad, and is used to issue a command or obtain desired information.

The display unit 330 may be formed of an LCD or the like, and displays various display data and operation states generated in the terminal on the screen. When the display unit 330 is implemented as a touch screen, the display unit 330 may also operate as an input unit. In particular, the display unit 330 of the present invention may classify and display the payment details message parsed according to a predetermined parsing rule.

The audio processor 340 may include a microphone and a speaker for outputting an audio signal.

The storage unit 350 stores programs and data necessary for the overall operation of the terminal according to an exemplary embodiment of the present invention. The storage unit may include a ROM, a nonvolatile memory (flash memory or EEPROM), and a RAM. In particular, in an embodiment according to the present invention, the storage unit 350 may include information regarding a detection rule and a parsing rule of a corresponding company according to a specific caller number. In addition, the storage unit 350 may store the general text message and the payment history message separately.

The detection rule refers to a pre-stored rule for detecting whether a text message transmitted from a specific service company is related to a payment history and to which service company. In this case, it is determined whether the pattern of the received text message matches the payment history message pattern of the corresponding service provider previously stored in the storage unit 350 of the mobile terminal through pattern matching using a regular expression. Can be. The payment history message pattern may be an order of listing of payment details such as card type, date, time, merchant, and use amount.

In addition, the parsing rule refers to a rule that is stored in advance in order to display a payment history message transmitted from a specific service provider on a display basis for each item. In this case, the received text message may be classified and displayed for each desired item through pattern matching using a regular expression.

The detection rule and the parsing rule can be updated by using a web page or wireless application protocol (WAP) of the service provider when the format or content of the payment history message of the service provider is changed. Do.

 The controller 360 controls the overall operation of the portable terminal. In particular, in the embodiment of the present invention, the controller 360 checks the caller number of the received general text message and determines whether the service number corresponding to the confirmed caller number is stored in the storage 350. The service number refers to a number for identifying a service company that transmits a text message or subscriber information. For example, the service number may be a number of a caller who transmits a payment history message to a user. If there is information on a service number corresponding to the caller number of the received text message, the controller 360 applies a predetermined detection rule and applies the pattern of the received text message to the storage unit 350. ) May determine whether the pattern of the text message stored in the) matches. In this case, the controller 360 may determine whether the pattern of the received text message and the pattern of the text message stored in the storage unit are matched through pattern matching using a regular expression.

The regular expression refers to a definition of a grammar of an expression rule language used to accurately express a set of strings by converting a specific set of characters or a string into a symbol. The controller 360 may determine whether the pattern of the received text message and the text message pattern of the corresponding service provider stored in the storage 350 match by using various methods. Hereinafter, the regular expression will be described. Based on the pattern matching using (pattern matching) will be described.

In addition, when the controller 360 confirms that the received text message is a payment history message transmitted from a specific service provider by using the caller number of the received text message and a detection rule, parsing stored in the storage 350. After parsing using a parsing rule, the parsing rule may be displayed on the display unit 330 for each item.

4 is a flowchart illustrating a process in which the controller 360 of the portable terminal according to an embodiment of the present invention receives and recognizes a payment history message transmitted from a service provider, parses it according to a determined parsing rule, and displays it on the display unit for each item. .

First, the control unit 360 of the mobile terminal determines whether to register the card type according to the service number, the detection rule of the payment history message and the parsing rule in step S401, and if it is desired to register it in step S405 to the service number. The card type (company name, etc.), the detection rule of the payment history message, and the parsing rule are stored and registered in the storage 350. The detection rule refers to a pre-stored rule for detecting whether a text message transmitted from a specific service provider relates to a payment history and to which service provider. The parsing rule is a specific parsing rule. This is a stored rule to display the payment details message sent from the service provider on the display item by item. In addition, the service number refers to a number or subscriber information for identifying a service provider that transmits a text message. For example, the service number may be a number of a caller that transmits a payment history message to a user. According to another embodiment of the present invention, the detection rule and the parsing rule according to the service number may change the web page or the WAP (Wireless Application Protocol) of the corresponding company when the format or content of the payment history message of the service company is changed. It is possible to update by using. When the text message is transmitted, the controller 360 of the portable terminal receives and receives the text message through the RF communication unit 310. Then, the controller 360 recognizes this in step S410, checks the sender number of the general text message received in step S420, and determines whether the service number corresponding to the checked number is stored in the storage unit 350. If the information about the service number is stored, it is determined whether the pattern of the received text message and the pattern stored in the storage unit are matched using pattern matching. The controller 360 may execute pattern matching using various methods. Hereinafter, the controller 360 will be described based on pattern matching using regular expression.

5 and 6 illustrate a service stored in the storage unit 350 to determine whether the received text message is related to payment details when the text message according to FIGS. 1 and 2 is received through the RF communication unit 310. It is a figure which illustrates a service number by each company and a corresponding detection rule. The service number refers to a number or subscriber information for identifying a service provider that transmits a text message. For example, the service number may be a number of a caller that transmits a payment history message to a user. Assumes the calling party number to be described. When the text message of FIG. 1 is transmitted, the controller 360 checks the caller number "1588-8900" and determines whether information corresponding to the number is stored in the storage 350. When it is confirmed that the information about the number is stored in the storage unit 350, the controller 360 uses the detection rule of FIG. 5 written in a regular expression, and the pattern of the received text message and the detection rule. Checks whether the pattern matches.

Specifically, "oo card use" of a text message is recognized as a regular string in a regular expression and mapped to "oo card use". And 09/08 representing the date of the text message is mapped to "\ d \ d / \ d \ d" in the regular expression, where "d" is a symbol representing a number. Similarly, "16:40" representing the time of the text message is mapped to "\ d \ d: \ d \ d". In addition, "Usu Mart (US $ 3,256)", which indicates the merchant and the amount used, is mapped to "[^] + [0-9,] + 원" in the regular expression, which represents one or more characters. "[^] +", "[0-9,] +" for one or more numbers, and "circle" for the regular string.

On the other hand, when the text message of Figure 2 is transmitted, the controller 360 checks the caller number "1588-4500" to determine whether information corresponding to the number is stored in the storage unit 350. When it is confirmed that the information about the number is stored in the storage unit 350, the control unit 360 uses the detection rule of FIG. 6 written in a regular expression to determine the pattern of the received text message and the detection rule. Check whether the pattern matches. Since the pattern matching method is similar to the pattern matching method of FIGS. 1 and 5, it will be omitted.

If the pattern of the detection rule corresponding to the pattern of the text message received in step S430 does not match, the controller 360 applies the other detection rule stored in the storage unit 350 in step S440 to receive the pattern of the text message. Determine whether or not If there is a match, the controller 360 determines the received text message as a payment history message and parses the received payment history message according to the parsing rule determined in step S450, but the pattern does not match even if another detection rule is applied. It is determined as a general text message and stored in the general text message storage box in step S480. On the other hand, if it is determined that the pattern of the text message received in step S430 and the pattern of the detection rule match, the controller 360 determines the received text message as a payment history message and receives the received text message according to a predetermined parsing rule in step S450. Parse the payment history message. The controller 360 separately stores the received payment details message in the payment information area of the storage unit 350 in step S460 and displays the items for each item through the display unit in step S470.

FIG. 7 illustrates an example of parsing the received payment details message according to a pre-stored parsing rule and displaying the received payment details message on an item-by-item display unit when it is detected that the payment details message of FIG. 1 is received.

When the controller 360 of the mobile terminal determines that the pattern of the received payment history message of FIG. 1 and the pattern of the detection rule of FIG. 5 match, a boundary corresponding to a desired item is determined using the parsing rule of FIG. 7. You can separate the strings with That is, according to the parsing rule shown in FIG. 7, the controller 360 recognizes "oo card use" as a general character string and maps it to the "card type" portion, and "(\ d \ d / \ d \ d)". Recognize "as a date item and map it to the" date "part, recognize" (\ d \ d: \ d \ d) "as a time item and map it to the" time "part, and" ([^] +) " Recognizes as a merchant item and maps it to the "Merchant" part, and recognizes "([0-9,] +) won" as a cost item and maps it to the "cost" part. Then, the controller 360 may control the display unit 330 based on the parsing result to classify and display the received payment details message for each payment item.

The payment details message may be separately stored in the payment information area of the storage unit 350 of the portable terminal. Accordingly, the user using the mobile terminal according to the embodiment of the present invention deletes all records corresponding to a specific service provider for the payment history message stored in the payment information area, or the amount used for a specific period by a specific service provider. It is possible to calculate only, to extract only when the payment is more than a certain amount, or to automatically delete the payment history messages that have passed more than a certain period.

As described above, the present specification and drawings have been described with respect to preferred embodiments of the present invention, although specific terms are used, it is only used in a general sense to easily explain the technical contents of the present invention and to help the understanding of the present invention. It is not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

1 and 2 are exemplary diagrams showing a conventional payment history received from a service provider when a user makes a payment using a credit card.

3 is an internal structural diagram showing a structure of a mobile terminal for recognizing and managing a payment history message according to an embodiment of the present invention.

4 is a flowchart illustrating a process in which the control unit 360 of the portable terminal according to an embodiment of the present invention receives and recognizes a payment history message transmitted from a service company, parses it according to a predetermined parsing rule, and displays the item on the display unit for each item.

5 and 6 are a caller number of each service provider stored in the storage unit to determine whether the received text message is related to a payment history when the text message according to FIGS. 1 and 2 is received through the RF communication unit, and the corresponding caller number. A diagram illustrating a detection rule.

FIG. 7 illustrates an example of parsing the received payment details message according to a pre-stored parsing rule and displaying the received payment details message on an item-by-item basis when it is detected that the payment details message of FIG. 1 is received.

Claims (13)

RF communication unit for receiving a text message including a payment history message; A storage unit for storing a service number for transmitting the payment details message, a detection rule corresponding to the service number, and a parsing rule; Compare the calling party number of the received text message with the service number, and perform pattern matching on the received text message according to the detection rule to determine whether the received text message is a payment history message; A controller which parses the received payment details message according to the parsing rule; And And a display unit for displaying the received payment details message for each item according to a parsing result. The method of claim 1, The service number is a mobile terminal, characterized in that the caller number for sending a payment history message to the user. The method of claim 1, And the pattern matching is performed by a regular expression. The method of claim 1, And the detection rule and the parsing rule stored in the storage unit are updatable. The method of claim 1, The storage unit stores the payment history message in a separate payment information area. The method of claim 1, The items displayed on the display unit are card type, date, time, affiliated store, and cost. Comparing the calling party number of the received text message with a stored service number; Performing pattern matching on the received text message according to a detection rule; And If the received text message is determined to be a payment history message, parsing according to a parsing rule and displaying the item for payment. The method of claim 7, wherein The service number is a payment history message recognition method characterized in that the caller number for sending a payment history message to the user. The method of claim 7, wherein The pattern matching is a payment history message recognition method, characterized in that performed by a regular expression (Regular expression). The method of claim 7, wherein The item displayed on the display unit is a payment history message recognition method, characterized in that the card type, date, time, merchants, costs. The method of claim 7, wherein And storing the received payment details message in a payment information area. The method of claim 7, wherein And registering a service number and a detection rule and a parsing rule corresponding to the service number. The method of claim 12, The registered detection rule and the parsing rule can update the payment history message characterized in that the update
KR1020070122016A 2007-11-28 2007-11-28 Apparatus and method for payment detail notification and management KR20090055214A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011055883A1 (en) * 2009-11-04 2011-05-12 주식회사 인프라웨어 Method for composing e-mail message using mobile phone

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011055883A1 (en) * 2009-11-04 2011-05-12 주식회사 인프라웨어 Method for composing e-mail message using mobile phone

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