KR20090095527A - Program Recording Medium - Google Patents

Abstract

A recording medium which is readable with a computer improving the convenience of an electronic housekeeping book is provided to reflect the purchase detail of the offline franchisee provided through the predetermined slip in order to automatically reflect to the transaction information of the electronic housekeeping book. A card company server(100) transmits user card information to a member store server(160). The member store server is equipped in one or more cooperated member store which is cooperated in order to reflect the purchase detail information to the transaction information of the housekeeping book. The member store server extracts and transmits the purchasing information. The member store server receives the purchase detail information. The member store server generates detail information by classifying the purchasing detail classification standard.

Description

Computer-readable recording medium {Program Recording Medium}

1 is a diagram showing the configuration of an offline payment system for automatically reflecting the offline purchase history to the electronic household according to an embodiment of the present invention.

2A and 2B are diagrams illustrating an offline payment approval process for automatically reflecting offline purchase details in an electronic household according to an exemplary embodiment of the present invention.

3A and 3B are diagrams illustrating an offline payment approval process for automatically reflecting offline purchase history to an electronic account according to another exemplary embodiment of the present invention.

4 is a diagram showing the configuration of an online payment system for automatically reflecting the online purchase history to the electronic household according to an embodiment of the present invention.

5A and 5B are diagrams illustrating an online payment approval process for automatically reflecting online purchase details in an electronic household according to an embodiment of the present invention.

6 is a view showing an electronic account book operating system that automatically reflects the purchase history in the electronic book according to an embodiment of the present invention.

7 is a diagram illustrating an information registration process for automatically reflecting a purchase history in an electronic household according to an embodiment of the present invention.

8 is a diagram illustrating a process of automatically reflecting the purchase history in the electronic household according to an embodiment of the present invention.

9 is a diagram illustrating an electronic account book operating system for automatically reflecting a purchase history in an electronic account according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an information registration process for automatically reflecting a purchase history in an electronic household according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a process of automatically reflecting a purchase history in an electronic account according to another embodiment of the present invention.

12 is a diagram illustrating an electronic account book operating system for automatically reflecting a purchase history in an electronic account according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating an information registration process for automatically reflecting a purchase history in an electronic household according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of automatically reflecting the purchase history in the electronic household according to another embodiment of the present invention.

<Description of main parts of drawing>

100: card company server 105: interface unit

110: professional receiver 115: professional transmitter

120: card information verification unit 125: payment approval processing unit

130: information generating unit 135: information storage unit

140: Card Information D / B 145: Transaction History D / B

150: payment card 155: payment terminal

160: merchant server 165: purchase history D / B

The present invention provides a function of transmitting user card information to an affiliated server provided in at least one affiliated affiliated store affiliated to reflect the purchase history information as expenses of the account book, and at least one purchase corresponding to the card information from the affiliated server. Extracting and transmitting the history information, the function of receiving the purchase history information, the function of generating the expense history information by classifying the received purchase history information according to the expense history classification criteria of an account book, and the generated expense history information. A computer-readable recording medium for recording a program for executing a function of processing and storing the expenses of the account book.

The household department that manages the income and expenses of each household for the health of the household economy has been favored for many years, and thanks to the development of information and communication technology, the household department in the form of paper documents has developed into an electronic household account using computers and the Internet. .

However, the conventional electronic account book only changed the role of the pen (Pen) to the input device including the keyboard and mouse in the account book of the previous paper document, the shape and the method of use does not exist much.

Accordingly, customers using the household account book which organizes the electronic household account book in each household feel a lot of inconveniences in using the electronic household book, thereby including a problem that cannot be activated despite various efficiency of the electronic household book.

An object of the present invention for solving the above problems, the function of transmitting the user card information to the merchant server provided in at least one affiliated merchant affiliated to reflect the purchase history information to the spending history of the household account, the merchant server in the When extracting and transmitting at least one purchase history information corresponding to the card information, and receiving the purchase history information, and classifies the received purchase history information according to the expenditure classification classification criteria of the household account to generate the expense history information The present invention provides a computer-readable recording medium for recording a program for executing a function and a function of processing and storing the generated expense history information into the expense history of the account book.

The computer-readable recording medium according to the present invention has a function of transmitting user card information to a blind store server provided in at least one affiliated store affiliated with the purchase history information to reflect the expenditure of the household account book. When the at least one purchase history information corresponding to the card information is extracted and transmitted, the function of receiving the purchase history information and classifying the received purchase history information according to the expenditure classification criteria of the household account to generate expenditure history information. And a program for executing a function of processing and storing the generated expense history information as the expense history of the account book.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if 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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or a system that is commonly provided in the art to which the present invention belongs The functional configuration is omitted as much as possible, and will be mainly described for the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of an offline payment system for automatically reflecting the offline purchase history to the electronic household according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a payment process through a predetermined offline payment channel using a payment card 150 (for example, a credit card, a check card, a debit card, or a prepaid card) issued through a predetermined card issuing system. The present invention relates to an offline payment system for automatically reflecting a purchase history corresponding to the offline payment process to a predetermined electronic household account, and has a general knowledge in the technical field to which the present invention pertains. It may be modified to infer various implementation methods for the offline payment system configuration, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. .

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to correspond to offline payment processing using predetermined cash, in addition to offline payment using the payment card 150. It may be possible to infer an offline payment system configuration that automatically reflects the purchase history to a predetermined electronic household account book, or an offline payment system configuration that automatically reflects a purchase history corresponding to an offline payment process using a predetermined gift certificate to a predetermined electronic household account book. The present invention is characterized in that it comprises all the implementation methods inferred.

Referring to FIG. 1, the offline payment system through the payment card 150 may include a payment terminal 155 provided in a predetermined offline affiliated store and a plurality of payment terminals 155 provided in the offline affiliated store. Merchant server 160 performing offline payment processing using the payment card 150 in connection with the terminal 155, and the payment card 150 in connection with the payment terminal 155 (or merchant server 160). Card company server 100 for payment approval processing and a communication network (for example, Value Added Network (VAN)) connecting the payment terminal 155 (or merchant server 160) and the card company server 100) Characterized in that comprises a.

In FIG. 1, the card company server 100 including at least one card company server 100 on the offline payment system through the payment card 150 is illustrated as one server, but this is to effectively describe the technical features of the present invention. If only one embodiment for, the various functional components constituting the card company server 100 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The payment terminal 155 on the offline payment system comprises at least one or more points of sales (POS) terminal having a credit authorization terminal (CAT) and / or a payment function, and at least one card After reading predetermined card information from the payment card 150 through a reader, inputting a payment amount through a predetermined key input device, etc., a full payment approval request message including the card information, the payment amount, and the affiliated store information It generates and transmits to the card company server 100 through the communication network (for example, value-added communication network (VAN)).

According to the present invention, the payment terminal 155 inputs at least one or more purchase product information and purchase price information through a predetermined key input device, such as a point of sales (POS) terminal having a payment function, or Read predetermined code information corresponding to the purchased product through a barcode reader (or RFID reader), and at least one or more purchased product information corresponding to the code information from a predetermined code management server (not shown) and for each purchased product When the purchase price information is provided, the payment terminal 155 may input the card information corresponding to the offline payment processing, the payment price information, the purchase date information, the slip information, and the key input device, Alternatively, write down at least one or more purchased product information and purchase price information for each purchased product read through a predetermined barcode reader (or RFID reader). A purchase history D / B 165 for storing purchase history information including one or more, or is associated with a DBMS having the purchase history D / B 165, or the purchase history D / B ( 165 is preferably associated with a DB server (not shown).

According to the present invention, the offline merchant is provided with a plurality of payment terminals 155, such as a large discount mart (or department store), and the payment terminal 155 is connected to a predetermined merchant server 160 provided in the affiliated store. In this case, the affiliated store server 160 purchases product information and purchases corresponding to code information input from the payment terminal 155 through a predetermined key input device or read through a predetermined barcode reader (or RFID reader). Receives the amount information, the card information corresponding to the offline payment processing, payment amount information, purchase date information and slip information, at least one or more purchase product information received from the payment terminal 155 and the purchase amount for each purchase product D having a purchase history D / B 165 for storing purchase history information including at least one information or the like, or having the purchase history D / B 165. It is preferable to be associated with a BMS or a DB server (not shown) provided with the purchase history D / B 165.

The card information is payment means information corresponding to the offline payment processing, and preferably includes predetermined card information used for the offline payment processing among credit card information, check card information, debit card information, and prepaid card information. Do.

According to another exemplary embodiment of the present invention, when the offline payment system performs an offline payment process using predetermined cash in addition to the offline payment using the payment card 150, the card information is the wireless terminal information of the customer (or Membership card information, or points earning card information, etc.), or when the offline payment system performs offline payment processing using a predetermined gift certificate in addition to offline payment using the payment card 150, The information may be replaced with the gift certificate information (or customer wireless terminal information, membership card information, or points earning card information, etc.), whereby the present invention is not limited.

The payment amount information is an amount corresponding to a total purchase amount corresponding to the offline payment processing, and the payment amount may include an amount obtained by adding up purchase amount information for each purchased product included in the purchase history. .

The purchase date and time information is information that matches the payment date and time information including the date and time when the payment amount is approved, and preferably includes payment approval date and time information included in the full payment approval result.

The slip information may include a unique number (or serial number) assigned by the affiliated store server 160 (or payment terminal 155 or card company server 100) to manage the offline payment processing. Preferably, the slip information is included in a predetermined payment receipt provided to the payment customer.

At least one item of purchase information corresponding to the payment amount is purchased by the customer at least one or more products (or services) sold by the offline affiliated store, and the customer purchases from the offline affiliated store The information corresponding to one or more items (or services), it is preferable to include the purchase product (or service) name information and identification code information (for example, barcode information, or radio frequency identification (RFID) code information, etc.) Do.

In addition, the purchase price information for each purchase product, the amount corresponding to each purchase product (or service) purchased by the customer at the offline merchant, the sum of the purchase amount included in the purchase history information is the payment It is desirable to match the amount.

In addition, the card company server 100 on the offline payment system, characterized in that it comprises at least one or more servers provided in the card company to process the payment approval for the payment card 150, the payment terminal ( 155) (or the merchant server 160) receives the payment approval request text including the card information, the payment amount and the merchant information, and the payment included in the payment approval request text through the payment card 150 Characterized in that the payment approval process.

In addition, the communication network connecting the payment terminal 155 (or merchant server 160) and the card company server 100 in the offline payment system, based on at least one or more backbone network, the payment terminal 155 (or merchant) At least one Bansa server (not shown) and wired or wireless communication network relaying at least one or more payment-related full text between the server 160 and the card company server 100 is characterized in that it comprises.

Those skilled in the art to which the present invention belongs, the technical features of the payment terminal 155 (or merchant server 160) and the technical features of the conventional card company server 100 and the payment terminal 155 ( Or you will be familiar with the technical features of the communication network connecting the merchant server 160) and the card company server 100, a detailed description thereof will be omitted for convenience.

According to the method of the present invention, the card company server 100 is a card corresponding to the customer information issuing the payment card 150 and the payment card 150 issued to the customer through a predetermined card issuing system Or a predetermined card information D / B 140 for storing the card property information and the card limit information corresponding to the payment card 150 in association with each other, or storing the card information D / B 140. It is preferable to interwork with a predetermined DBMS to be operated or to interoperate with a DB server (not shown) provided with the card information D / B 140.

The customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile number), e-mail address, etc.) of the customer who issued the payment card 150 through a predetermined card issuing system, At least one member information (eg, member ID information) of the customer is preferably included.

Preferably, the card information includes a predetermined card number corresponding to the payment card 150 issued to the customer through a predetermined card issuing system, and the card issuing organization information (eg, card issuing institution number ( Or code)) and card type information (for example, a card identification number (or code) and an expiration date information (some may be omitted) for the payment card 150).

According to the embodiment of the present invention, the card information is preferably matched with predetermined payment means information corresponding to the payment card 150, the payment means is credit card payment means, check card payment means, debit card payment It is preferable to include at least one or more means, prepaid card payment means.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 150 issued to the customer through a predetermined card issuing system, and for the payment card 150. It is preferable to include at least one of a royalty attribute including a mileage accrual policy, and at least one or more additional service attributes associated with the payment card 150.

The card limit information is a limit for approval of payment for a payment amount using the payment card 150 according to a payment means characteristic corresponding to the payment card 150 and / or a payment attribute of the payment card 150. It is preferable to include information for confirming the amount of money.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the payment card 150 includes a credit card payment means (or a postpaid payment attribute), the card limit information may be applied to the payment card 150. It is preferable that the predetermined credit limit amount information is included.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the payment card 150 includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined account. The card limit information may include predetermined account information (or account balance information) associated with the payment card 150.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the payment card 150 includes a prepaid card payment means (or a prepaid payment attribute), the card limit information is the payment card 150. It is preferable that the predetermined charge amount information is pre-filled.

Referring to FIG. 1, the card company server 100 may include at least one payment terminal 155 (or merchant server 160) through a communication network including at least one value added communication network (VAN) and / or a financial common network. And the interface unit 105 for connecting and managing a communication channel for transmitting and receiving a payment related professional, and the card information and the payment amount from the payment terminal 155 (or the affiliate server 160) in connection with the interface unit 105. A professional receiving unit 110 for receiving a payment approval request text including at least one information and merchant information and document information (for example, a document number assigned by the payment terminal 155 (or the merchant server 160)); And a specialized transmission unit 115 for transmitting a payment approval result text corresponding to the payment approval request text message to the payment terminal 155 (or the merchant server 160) in association with the interface unit 105. And a gong.

According to an exemplary embodiment of the present invention, the payment terminal 155 inputs at least one or more purchased product information and purchase price information for each purchased product through a predetermined key input device, or a predetermined barcode reader (or RFID reader). Acquire at least one purchase product information corresponding to the at least one code information and purchase price information for each purchased product, and read the card information through a predetermined card reader, and then the card information and each If a payment approval request message including the purchase price information for each purchase product and the payment information including the merchant information and the predetermined slip information is generated and transmitted through the communication network, the specialized receiving unit 110 is the interface unit 105. In connection with) characterized in that for receiving the full payment approval request.

According to another exemplary embodiment of the present invention, the payment terminal 155 inputs at least one or more purchased product information and purchase price information for each purchased product through a predetermined key input device, or a predetermined barcode reader (or RFID). After acquiring at least one or more purchase product information corresponding to the at least one code information and the purchase price information for each purchased product, and reading the card information through a predetermined card reader, the card information and When the payment amount information, the purchase price information for each purchase product, at least one or more purchase product information corresponding to the payment amount information and the purchase price information for each purchase product is transmitted to the affiliate server server 160 provided in the affiliate store, The merchant server 160 includes the card information, payment amount information, the affiliated store information, and predetermined slip information including Generating an authorization request specialized transmitted through the communication network and, in response to said specialized receiver 110 is characterized in that for receiving the payment authorization request specialized in conjunction with the interface unit 105.

If the payment approval procedure corresponding to the payment approval request text is completed in the card company server 100 and a payment approval result text including a predetermined payment processing history is generated, the specialized transmission unit 115 is the interface unit. In connection with 105, the payment approval result information may be transmitted to the affiliated store server 160 (or payment terminal 155).

Those skilled in the art to which the present invention pertains are familiar with technical features for transmitting and receiving the payment approval request text and the payment approval result text through the value-added communication network and / or financial common network. Detailed description is omitted for convenience.

Referring to FIG. 1, the card company server 100 includes the card information, payment amount information, merchant information, and slip information from the payment terminal 155 (or merchant server 160) through the information receiving unit. When the payment approval request text is received, the card information checking unit 120 confirms whether the card information included in the received payment approval request text is matched with the card information issued through a predetermined card issuing system, and the payment approval. If the card information included in the request message is matched with the card information provided in the card information D / B 140, the card limit information associated with the card information and the payment in connection with the card information D / B 140 are used. A payment approval processing unit 125 for processing payment approval of the payment amount through the payment card 150 by comparing amounts, and predetermined payment error information and payment approval information corresponding to the payment approval processing; The information generating unit 130 generates predetermined payment processing history information including the payment processing result including one, and the payment processing history including the predetermined payment approval information among the payment processing results by date and time. And an information storage unit 135 for storing predetermined transaction history information in the predetermined transaction history D / B 145, wherein the generated payment processing history information is used for the specialized transmission unit 115. Characterized in that it is transmitted to the merchant server 160 (or payment terminal 155) through.

When the payment approval request message including the card information, payment amount information, merchant information, and slip information is received from the payment terminal 155 (or merchant server 160) through the information receiving unit, the card information checking unit ( 120 checks whether the card information included in the payment approval request message received from the payment terminal 155 (or the affiliate server 160) matches card information issued through a predetermined card issuing system. do.

According to the exemplary embodiment of the present invention, the card information checking unit 120 uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 140. Preferably, the card information included in the full payment approval request is the card information issued through a predetermined card issuing system.

When the card information included in the payment approval request text is matched with the card information provided in the card information D / B 140, the payment approval processing unit 125 checks the card information from the card information D / B 140. Confirming card limit information on the payment card 150 stored in association with card information, and comparing the confirmed card limit information with the payment amount to process the payment amount through the payment card 150; It is characterized in that the approval.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the payment approval processing unit 125 performs the card information D / B. Checking the predetermined credit limit amount information stored in association with the card information from the 140, and compares the confirmed credit limit amount information and the payment amount, through the payment card 150 for the payment amount It is characterized by processing the payment approval.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The payment approval processing unit 125 checks the predetermined account information stored in association with the card information from the card information D / B 140 and stores the account balance in connection with a predetermined financial system in which the account is opened. After confirming, by comparing the confirmed account balance and the payment amount, the payment approval for the payment amount is processed through the payment card 150.

If the account balance information stored in association with the card information is directly stored in the card information D / B 140, the payment approval processing unit 125 may be connected to the card information from the card information D / B 140. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the payment card 150 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the payment approval processing unit 125 is the card information D Confirms the predetermined amount of charge information stored in association with the card information from / B 140, and compares the confirmed amount of charge information with the amount of payment, thereby confirming the amount of payment through the payment card 150; It is characterized by processing the payment approval.

The payment approval processing unit 125 processes predetermined payment error information (eg payment error code) or payment approval information (eg payment approval) in the process of processing payment approval for the payment amount through the payment card 150. Number) to generate a payment processing result including any one.

If the payment approval processing unit 125 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generator 130 generates predetermined payment processing details information including the card information, payment amount information, merchant information, slip information, and payment processing result, wherein the specialized transmission unit 115 is the interface unit ( In connection with 105, a predetermined payment approval result message including payment processing history information is transmitted to the affiliated store server 160 (or payment terminal 155) through the communication network.

The affiliated store server 160 (or the payment terminal 155), which has received the full payment approval result, transmits card information, payment amount information, and purchase date and time corresponding to the offline payment processing to a predetermined purchase history D / B 165. And purchase history information including at least one of information, slip information, at least one purchase product information, and purchase price information of each purchase product.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 125, the information storage unit 135 stores the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 145. It is characterized by storing.

2A and 2B illustrate an offline payment approval process for automatically reflecting offline purchase history to an electronic household according to an exemplary embodiment of the present invention.

In more detail, FIGS. 2A and 2B illustrate an offline payment when a payment process is performed using an offline payment channel corresponding to the offline payment system shown in FIG. 1 through a payment card 150 issued through a predetermined card issuing system. An offline payment processing process for automatically reflecting the purchase history corresponding to the processing to a predetermined electronic household account, specifically, the purchase history D / B (shown in FIG. 1) in the payment terminal 155 provided in the offline affiliated store ( If 165 is provided (or linked), the payment terminal 155 performs a predetermined offline payment procedure in association with the card company server 100, and then purchases a predetermined purchase history corresponding to the offline payment processing. Card information, payment amount information, purchase date and time information and slip information corresponding to the offline payment processing to automatically reflect to the household account, and At least one or more purchased product information corresponding to code information read through a key input device provided in the terminal 155 or read through a predetermined barcode reader (or RFID reader), purchase price information for each purchased product, and the like. The process of storing the purchase history information including at least one or more in the purchase history D / B (165).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 2a and 2b to infer various implementation methods for the offline payment process through the payment card 150. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation methods shown in FIGS. 2A and 2B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 2a and 2b, in addition to the offline payment through the payment card 150, a predetermined cash-based offline payment, or A process of performing a gift certificate-based offline payment processing, and by generating predetermined purchase history information corresponding to the online payment to automatically reflect the purchase history corresponding to the offline payment processing to a predetermined electronic household account, the purchase history D / B ( It is possible to infer the process of storing in 165), but the present invention is characterized in that it comprises all the implementation methods inferred.

2A and 2B, the payment terminal 155 on the offline payment system illustrated in FIG. 1 may input at least one or more purchase product information and purchase price information for each purchased product through a predetermined key input device, Or reading code information of at least one or more purchased products through a predetermined bar code reader (or RFID reader), and at least one or more purchased product information corresponding to the code information and each purchase from a predetermined code management server (not shown). Receives the purchase price information for each product (200), calculates a predetermined payment amount by summing the purchase price information for each purchased product (205), and read through a predetermined card reader provided in the payment terminal 155 Generates a payment approval request text including card information, the calculated payment amount information, the affiliated store information, and slip information and transmits it to the card company server 100. Page 210, the card company server 100 receives the full text of the payment approval request, and then the card information included in the received full text of the payment approval request is issued through a predetermined card issuing system. In operation 215, it is checked whether the card information matches the card information.

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 140, thereby providing the card information. It is preferable to check whether the card information issued through a predetermined card issuing system.

Those skilled in the art to which the present invention pertains will be familiar with the technical features and professional transmission and reception procedure of the payment terminal 155 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 140 (220), the card company server 100 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 155 (225).

On the other hand, if it is confirmed that the card information included in the full payment approval request message is matched with the card information stored in the card information D / B 140 (220), the card company server 100 determines the card information D / The limit amount for the payment card 150 is checked based on the card limit information associated with the card information from the B 140 (230).

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the card company server 100 is the card information D / B ( Check the predetermined credit limit amount information stored in association with the card information from 140 and compare the confirmed credit limit amount information with the payment amount, thereby making payment for the payment amount through the payment card 150; It is desirable to process the approval.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server 100 confirms the predetermined account information stored and processed in association with the card information from the card information D / B 140, and checks the account balance in connection with a predetermined financial system in which the account is opened. Thereafter, it is preferable to process payment approval for the payment amount through the payment card 150 by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 140, the card company server 100 is connected to the card information from the card information D / B 140. After confirming the account balance stored and stored in a linked process, it is possible to process payment approval for the payment amount through the payment card 150 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a prepaid card payment means (or prepaid payment attribute), the card company server 100 is the card information D / By checking the predetermined amount of charge information stored in association with the card information from B (140), and comparing the confirmed amount of payment information and the payment amount, the payment for the payment amount through the payment card 150 It is desirable to process the approval.

If the limit amount for the payment card 150 is confirmed (235), the card company server 100 compares the payment amount with the limit amount to pay the payment amount using the payment card 150. A payment approval procedure for processing is performed (240).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (245), the card company server 100 the payment including payment error information (for example, payment error code) for the payment card 150 Generates the processing history information (250), generates a payment approval result text including the payment processing history and transmits to the payment terminal (155) (265).

On the other hand, if the payment approval is confirmed as a result of the payment approval (245), the card company server 100 is the card information, payment amount information, merchant information and payment approval information (e.g. payment approval number) Generating payment processing history information including the payment processing information including the card information, the payment amount information, the merchant information, and the payment approval information; and the transaction history information including the payment date information; After storing in / B (145) (260), and generates a full payment approval result including the payment processing history and transmits to the payment terminal (155) (265).

Thereafter, the payment terminal 155 receives the full payment approval result and outputs a payment processing history included in the full payment approval result, or prints and outputs a payment receipt including the payment processing details. 270) In operation 275, the payment approval details of the payment approval result are read and the payment approval is made for the payment amount.

According to the exemplary embodiment of the present invention, when the payment terminal 155 includes payment approval information (eg, payment approval number) in the payment processing history, it is confirmed that the payment approval for the payment amount has been made. desirable.

If it is confirmed that payment approval for the payment amount is made (280), the payment terminal 155 uses the card information, payment amount and slip information, and a key input device provided in the payment terminal 155. The purchase history information including at least one or more purchase product information corresponding to code information input through a barcode reader (or RFID reader) or at least one purchase price information for each purchased product The details are stored in the D / B 165 (285).

3A and 3B illustrate an offline payment approval process for automatically reflecting offline purchase details to an electronic household according to another exemplary embodiment of the present invention.

In more detail, FIGS. 3A and 3B illustrate an offline payment when a payment process is performed using an offline payment channel corresponding to the offline payment system shown in FIG. 1 through a payment card 150 issued through a predetermined card issuing system. As an offline payment processing process for automatically reflecting the purchase history corresponding to the processing to a predetermined electronic household, specifically, at least one payment terminal 155 is provided in the offline affiliated store, and communicates with the payment terminal 155 When the merchant server 160 is connected and provided (or linked) with the purchase history D / B 165 shown in FIG. 1, the payment terminal 155, the merchant server 160, and the card company server ( 100 performs a predetermined offline payment procedure in connection with the electronic account book, and the purchase history corresponding to the offline payment processing in the merchant server 160 To automatically reflect the card information, payment amount information and purchase date information and slip information corresponding to the offline payment processing, at least one or more purchase product information provided from the payment terminal 155 and purchase price information for each purchased product, etc. A process of storing purchase history information including at least one or more in the purchase history D / B (165).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b to infer various implementation methods for the offline payment process through the payment card 150. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation methods shown in FIGS. 3A and 3B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b, in addition to the offline payment through the payment card 150, a predetermined cash-based offline payment, or A process of performing a gift certificate-based offline payment processing, and by generating predetermined purchase history information corresponding to the online payment to automatically reflect the purchase history corresponding to the offline payment processing to a predetermined electronic household account, the purchase history D / B ( It is possible to infer the process of storing in 165), but the present invention is characterized in that it comprises all the implementation methods inferred.

3A and 3B, the payment terminal 155 on the offline payment system illustrated in FIG. 1 may input at least one or more purchased product information and purchase price information for each purchased product through a predetermined key input device, Or reading code information of at least one or more purchased products through a predetermined bar code reader (or RFID reader), and at least one or more purchased product information corresponding to the code information and each purchase from a predetermined code management server (not shown). Receive the purchase price information for each product (300), and calculates a predetermined payment amount by summing the purchase price information for each purchased product (305).

In addition, the payment terminal 155 reads predetermined card information for payment processing of the payment amount through a predetermined card reader (310), the card to the predetermined merchant server 160 provided in the affiliated store Information, payment amount information, at least one purchase product information, and purchase amount information for each purchased product are transmitted (315).

Thereafter, the merchant server 160 generates a full payment approval request message including card information received from the payment terminal 155, payment amount information, predetermined merchant information corresponding to the offline merchant, and predetermined slip information. After transmitting to the card company server 100 (320), in response to the card company server 100 receives the full payment approval request message, the card information included in the received payment approval request full text is issued a predetermined card Is issued through the system to check whether the card information and the card information stored in the D / B (140) (325).

According to an exemplary embodiment of the present invention, the affiliate server uses the card information included in the full payment approval request as a keyword to search / search card information stored in the card information D / B 140, thereby providing the card information. It is preferable to check whether the card information issued through a predetermined card issuing system.

Those skilled in the art to which the present invention pertains will be familiar with the technical features and professional transmission and reception procedure of the payment terminal 155 for transmitting the full text of the payment approval request, a detailed description thereof will be omitted for convenience. .

If the card information included in the full payment approval request is not matched with the card information stored in the card information D / B 140 (330), the card company server 100 includes the card information error code. The payment approval result is generated and transmitted to the payment terminal 155 (335).

On the other hand, if it is determined that the card information included in the full payment approval request message is matched with the card information stored in the card information D / B 140 (330), the card company server 100 determines the card information D / In operation 340, the limit amount of the payment card 150 is determined based on the card limit information associated with the card information from B 140.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the card company server 100 is the card information D / B ( Check the predetermined credit limit amount information stored in association with the card information from 140 and compare the confirmed credit limit amount information with the payment amount, thereby making payment for the payment amount through the payment card 150; It is desirable to process the approval.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server 100 confirms the predetermined account information stored and processed in association with the card information from the card information D / B 140, and checks the account balance in connection with a predetermined financial system in which the account is opened. Thereafter, it is preferable to process payment approval for the payment amount through the payment card 150 by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 140, the card company server 100 is connected to the card information from the card information D / B 140. After confirming the account balance stored and stored in association, it is possible to process payment approval for the payment amount through the payment card 150 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a prepaid card payment means (or prepaid payment attribute), the card company server 100 is the card information D / By checking the predetermined amount of charge information stored in association with the card information from B (140), and comparing the confirmed amount of payment information and the payment amount, the payment for the payment amount through the payment card 150 It is desirable to process the approval.

If the limit amount for the payment card 150 is confirmed (345), the card company server 100 compares the payment amount with the limit amount to pay the payment amount using the payment card 150. A payment approval procedure for processing is performed (350).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (355), the card company server 100 is a payment that includes payment error information (for example, payment error code) for the payment card 150 Generates the processing history information (360), generates a payment approval result text including the payment processing history and transmits to the payment terminal (155) (375).

On the other hand, if the payment approval is confirmed, the payment approval for the payment amount (355), the card company server 100 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) Generating payment processing history information (365); and the payment processing history including the card information, payment amount information, merchant information, and payment approval information, and transaction history information including the payment date and time information; After storing in the B (145) (370), and generates a full payment approval result including the payment processing details to transmit to the merchant server 160 (375).

Thereafter, the affiliated store server 160 receives the full text of the payment approval result and reads the payment processing history included in the full text of the payment approval result to confirm whether the payment is approved for the payment amount (380).

According to the exemplary embodiment of the present invention, when the affiliated store server 160 includes predetermined payment approval information (eg, payment approval number) in the payment processing history, it is preferable to confirm that payment is made for the payment amount. Do.

If it is confirmed that payment approval for the payment amount is made (385), the merchant server 160 transmits the payment processing details included in the full payment approval result to the payment terminal 155 (395). In response thereto, the payment terminal 155 outputs the payment processing details or prints a payment receipt including the payment processing details (399).

If it is confirmed that payment approval for the payment amount is made (385), the payment terminal 155 uses the card information, payment amount and slip information, and a key input device provided in the payment terminal 155. The purchase history information including at least one or more purchase product information corresponding to code information input through a barcode reader (or RFID reader) or at least one purchase price information for each purchased product After storing in the details D / B (165) (390), the payment processing details included in the full payment approval result is transmitted to the payment terminal (155) (395), and in response thereto, the payment terminal (155) The screen outputs the payment processing details or prints a payment receipt including the payment processing details (399).

4 is a diagram showing the configuration of an online payment system for automatically reflecting the online purchase history to the electronic household according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a payment process through a predetermined online payment channel using a payment card 455 (eg, a credit card, a check card, a debit card, a prepaid card, etc.) issued through a predetermined card issuing system. The present invention relates to an online payment system for automatically reflecting a purchase history corresponding to the online payment process to a predetermined electronic household account, and has a general knowledge in the technical field to which the present invention pertains. It is possible to infer various implementation methods for the configuration of the online payment system by modifying, but the present invention includes all the implementation methods inferred, the technical features are not limited only to the implementation method shown in FIG. .

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 4 and use a predetermined bankbook transfer (or bank transfer) in addition to the online payment using the payment card 455. Online payment system configuration that automatically reflects purchase details corresponding to online payment processing to a predetermined electronic household account, or Online payment system configuration that automatically reflects purchase history corresponding to online payment processing using a predetermined electronic gift certificate to a predetermined electronic household account It may be inferred, and the like, and the present invention is characterized in that it comprises all the implementation methods inferred.

Referring to FIG. 4, the online payment system through the payment card 455 includes at least one or more wired terminals connected to a predetermined wired communication network, and / or at least one or more wireless terminals connected to a predetermined wireless communication network. At least one payment request server 465 provided in an online affiliate store including at least one client terminal 460 and at least one wired and / or wireless affiliate store connected to the client terminal 460 through the communication network; Card company server 100 for processing the online payment approval through the payment card 455 in connection with the client terminal 460 and / or payment request server 465 and the client terminal 460 and / or payment request server ( 465 and at least one communication network connecting the card company server 100, characterized in that the communication It is characterized in that the online payment protocol for payment authorization process with the payment card (455) provided.

In FIG. 4, the card company server 100 including at least one card company server 100 on the online payment system through the payment card 455 is illustrated as one server, which effectively describes the technical features of the present invention. If only one embodiment for, the various functional components constituting the card company server 100 may be implemented through at least two or more separate servers (or devices), whereby the present invention is not limited.

The online payment system includes at least one payment request server 465 connected to a predetermined communication network, at least one card company server 100 that processes payment approval for the client terminal 460 and the payment card 455. Characterized in that made.

Here, the payment request server 465 on the online payment system is a server provided in the online affiliate store for the payment card 455, which is a general term for all servers requesting online payment through the payment card 455. .

According to an exemplary embodiment of the present invention, the payment request server 465 may include at least an internet shopping mall server, a content providing server, a messenger server, a portal server, a mail server, and the like that request online payment through the payment card 455. Including at least one, or including at least one payment gateway (PG) server connecting the Internet shopping mall server, content providing server, messenger server, portal server, mail server and the like, the card company server 100 It is preferable to make.

According to another exemplary embodiment of the present invention, the payment request server 465 preferably includes a predetermined affiliate server (not shown) that issues the payment card 455 in association with the card company.

Those skilled in the art to which the present invention pertains, in addition to the payment request server 465 described above will be able to infer various payment request server 465 that requests online payment through the payment card 455. The present invention is characterized in that it comprises all kinds of inferred payment request server (465).

According to the present invention, the payment request server 465, the card information corresponding to the online payment processing, payment amount information, purchase date information and slip information, at least one or more purchase product information corresponding to the payment amount and each purchase Or a predetermined purchase history D / B 470 for storing purchase history information including at least one purchase price information for each product, or linked with a DBMS having the purchase history D / B 470; Or is associated with a DB server (not shown) provided with the purchase history D / B 470.

The card information is payment means information corresponding to the online payment processing, and preferably includes predetermined card information used for the online payment processing among credit card information, check card information, debit card information, and prepaid card information. Do.

According to another embodiment of the present invention, when the online payment system performs an online payment processing using a predetermined bankbook payment (or bank transfer) in addition to the online payment using the payment card 455, the card information is the bankbook depositor. Information (or account information or customer wireless terminal information), or when the online payment system performs an online payment process using a predetermined electronic gift certificate in addition to the online payment using the payment card 455, The card information may be replaced with the electronic voucher information (or customer wireless terminal information), thereby the present invention is not limited.

The payment amount information is an amount corresponding to a total purchase amount corresponding to the online payment processing, and the payment amount may include an amount obtained by adding up purchase amount information for each purchased product included in the purchase history. .

The purchase date and time information is information that matches the payment date and time information including the date and time when the payment amount is approved, and preferably includes payment approval date and time information included in the payment approval result information.

Preferably, the slip information includes a unique number (or serial number) assigned by the payment request server 465 (or card company server 100) to manage the online payment processing. It is preferably included in a predetermined payment receipt provided to the payment customer.

The at least one purchase product information corresponding to the payment amount is purchased by the customer from the online merchant when the customer purchases at least one product (or service) sold by the online merchant and the payment amount is paid. The information corresponding to one or more items (or services), it is preferable to include the purchase product (or service) name information and identification code information (for example, barcode information, or radio frequency identification (RFID) code information, etc.) Do.

In addition, the purchase price information for each purchase product, the amount corresponding to each purchase product (or service) purchased by the customer at the online merchant, the sum of the purchase amount included in the purchase history information is the payment It is desirable to match the amount.

According to the exemplary embodiment of the present invention, the purchased product information and the purchase price information for each purchased product are preferably stored in a predetermined shopping cart D / B provided in the payment request server 465 during the online payment process.

In addition, the client terminal 460 on the online payment system is connected to the payment request server 465 through a predetermined communication network to purchase the tangible / intangible goods, and the corresponding purchase price payment card 455 A generic term for a terminal device that processes payments through a), a wired terminal including at least one or more desktop computers and / or laptops connected to a predetermined wired communication network, or a personal communication system (PCS) connected to a predetermined wireless communication network. ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a smart phone and / or telematics and / or wireless data communication terminal and / or portable internet terminal By including the wireless terminal, or various kiosk (KIOSK) device and the IA terminal (e.g., IPTV, and so on) to at least one comprising at least one characterized in that formed.

In addition, the card company server 100 on the online payment system, characterized in that it comprises at least one or more servers provided in the card company for processing the payment approval for the payment card 455, the payment request server Receives predetermined payment approval request information (for example, payment amount and merchant information and client terminal 460 information) from 465 and receives card information for the payment card 455 from the client terminal 460. Thereafter, the payment amount included in the payment approval request information through the payment card 455 is characterized in that the payment approval processing.

In addition, the communication network connecting the client terminal 460, the payment request server 465 and the card company server 100 in the online payment system provides at least one online payment protocol, such as a secure payment protocol or a secure click protocol. It is characterized by.

Those skilled in the art to which the present invention pertains, the technical features of the client terminal 460, the technical features of the payment request server 465 and the technical features of the conventional card company server 100 and the client terminal 460 ) And the technical features of the communication network connecting the payment request server 465 and the card company server 100, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the card company server 100 is a card corresponding to the customer information issuing the payment card 455 and the payment card 455 issued to the customer through a predetermined card issuing system A predetermined card information D / B 445 for storing and linking the information with the card attribute information and the card limit information corresponding to the payment card 455, or storing the card information D / B 445. It is preferable to interwork with a predetermined DBMS to be operated or to interoperate with a DB server (not shown) provided with the card information D / B 445.

The customer information, personal information (for example, customer name, social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) of the customer who issued the payment card 455 through a predetermined card issuing system, At least one member information (eg, member ID information) of the customer is preferably included.

Preferably, the card information includes a predetermined card number corresponding to the payment card 455 issued to the customer through a predetermined card issuing system, and the card issuing institution information (for example, a card issuing institution number ( Or code)) and card type information (eg, a card identification number (or code) and an expiration date information (some may be omitted) for the payment card 455).

According to the embodiment of the present invention, the card information is preferably matched with predetermined payment means information corresponding to the payment card 455, the payment means is a credit card payment means, check card payment means, debit card It is preferable to include at least one or more of the payment means, prepaid card payment means.

The card attribute information includes payment attributes (eg, postpaid, debit, prepaid, etc.) for the payment card 455 issued to the customer through a predetermined card issuing system, and for the payment card 455. It is preferable to include a royalty attribute including a mileage accrual policy and at least one or more additional service attributes associated with the payment card 455.

The card limit information is a limit for approval of payment for a payment amount using the payment card 455 according to the payment means characteristic corresponding to the payment card 455 and / or the payment attribute of the payment card 455. It is preferable to include information for confirming the amount of money.

According to an exemplary embodiment of the present invention, when the payment means corresponding to the payment card 455 includes a credit card payment means (or a postpaid payment attribute), the card limit information may be applied to the payment card 455. It is preferable that the predetermined credit limit amount information is included.

According to another exemplary embodiment of the present invention, the payment unit corresponding to the payment card 455 includes a check card / debit card payment means (or a debit payment attribute associated with an account) associated with a predetermined account. In this case, the card limit information may include predetermined account information (or account balance information) associated with the payment card 455.

According to another exemplary embodiment of the present invention, when the payment means corresponding to the payment card 455 includes a prepaid card payment means (or a prepaid payment attribute), the card limit information is the payment card 455. It is preferable that the predetermined charge amount information is pre-filled.

Referring to FIG. 4, the card company server 100 may include information corresponding to the online payment protocol and the payment request server 465 and the client terminal 460 through a communication network equipped with at least one online payment protocol. Interface unit 405 for connecting and managing a communication channel for transmitting / receiving data) and predetermined payment approval request information from the payment request server 465 according to the online payment protocol in connection with the interface unit 405. For example, the information receiving unit 410 for receiving a payment amount and merchant information and client terminal 460 information) or the card information from the client terminal 460 according to the online payment protocol, and the payment request server When the payment approval request information is received from 465, the payment approval request is made in accordance with the online payment protocol. An interface provider 415 for providing a payment interface for inputting card information to the client terminal 460 through the client terminal 460 information included in the beam; and the online payment in connection with the interface unit 405. Transmits predetermined payment approval result information including payment processing history corresponding to the payment approval request information to the payment request server 465 according to a protocol, or to the client terminal 460 according to the online payment protocol. And an information transmitter 420 for transmitting predetermined payment approval result information including payment processing details through card information.

According to an embodiment of the present invention, the interface unit 405 receives the payment approval request information according to the communication protocol defined with the payment request server 465, and the payment approval result information corresponding to the payment approval request information. It is desirable to provide a communication interface for connecting and managing a communication channel for transmitting the data.

According to an embodiment of the present invention, when the client terminal 460 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 may be configured based on the TCP / IP protocol. Connect the communication channel with the client terminal 460, output the online payment window corresponding to the online payment protocol based on the HTPP protocol defined in the browser program, and the card information input (or selected) through the online payment window It is desirable to provide a communication interface for connecting and managing a communication channel for receiving and transmitting payment approval result information corresponding to the card information.

When the payment request server 465 transmits the payment approval request information to the card company server 100 according to the online payment protocol, the information transmission unit 420 is connected with the interface unit 405 to the online payment protocol. And receiving the payment approval request information according to the request, and then the interface provider 415 receives the client terminal according to the online payment protocol based on the client terminal 460 information included in the payment approval request information. In operation 460, a payment interface (eg, an online payment window) for inputting (or selecting) the card information is provided and output.

Thereafter, when the client terminal 460 inputs (or selects) and transmits the card information through the payment interface, the information receiving unit 410 is connected with the interface unit 405 in accordance with the online payment protocol. Characterized in that the card information is received.

If the payment approval result information is completed in the card company server 100 through the payment approval request information and the card information, and the payment approval result information including a predetermined payment processing history is generated, the information transmitting unit 420 may interface with the interface. The payment approval result information is linked to the payment unit 405 to the payment request server 465 and the client terminal 460.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features for transmitting and receiving the payment approval request information, card information and payment approval result information according to the online payment protocol, detailed description thereof Is omitted for convenience.

Referring to FIG. 4, the card company server 100 receives predetermined payment approval request information from the payment request server 465 through the information receiving unit 410, and also receives the payment from the client terminal 460. When the card information matching the authorization request information is received, the card information checking unit checks whether the received card information matches card information issued through a predetermined card issuing system in association with the card information D / B 445. 425 and the card limit information associated with the card information in association with the card information D / B 445 when the received card information matches the card information provided in the card information D / B 445. And a payment approval processing unit 430 for processing payment approval of the payment amount through the payment card 455 by comparing the payment amount and any payment error information and payment approval information corresponding to the payment approval processing. Ha An information generation unit 435 for generating predetermined payment processing history information including a payment processing result including me, and a predetermined payment processing history including the predetermined payment approval information among the payment processing results for each date and time. It comprises a information storage unit 440 for storing the transaction history information of the predetermined transaction history D / B (450), the generated payment processing history information through the information transmission unit 420 The payment request server 465 and the client terminal 460 is characterized in that the transmission.

* When predetermined payment approval request information is received from the payment request server 465 through the information receiving unit 410, and card information matching the payment approval request information is received from the client terminal 460, the The card information checking unit 425 checks whether the card information received from the client terminal 460 matches card information issued through a predetermined card issuing system.

According to an embodiment of the present invention, the card information checking unit 425 uses the received card information as a keyword to search / search for card information stored in the card information D / B 445, thereby receiving the received card. It is preferable to check whether the information is card information issued through a predetermined card issuing system.

If the received card information matches card information included in the card information D / B 445, the payment approval processing unit 430 processes the card information D / B 445 in association with the confirmed card information. Confirm the card limit information on the stored payment card 455, and compare the confirmed card limit information with the payment amount to approve payment processing through the payment card 455. It is done.

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a credit card payment means (or postpaid payment attribute), the payment approval processing unit 430 is the card information D / B 445 confirms predetermined credit limit amount information stored in association with the card information, and compares the confirmed credit limit amount information with the payment amount, thereby making a payment for the payment amount through the payment card 455. It is characterized by processing the payment approval.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The payment approval processing unit 430 checks predetermined account information stored in association with the card information from the card information D / B 445, and connects the account balance with a predetermined financial system in which the account is opened. After confirming, the payment is approved through the payment card 455 by comparing the confirmed account balance with the payment amount.

If the account balance information stored in association with the card information is directly stored in the card information D / B 445, the payment approval processing unit 430 is connected to the card information from the card information D / B 445. After confirming the account balance stored and stored in a cooperative process, it is possible to process payment approval for the payment amount through the payment card 455 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a prepaid card payment means (or prepaid payment attribute), the payment approval processing unit 430 is the card information D Confirms predetermined charge amount information stored in association with the card information from / B 445, and compares the confirmed charge amount information with the payment amount, thereby confirming the payment amount through the payment card 455; It is characterized by processing the payment approval.

The payment approval processing unit 430 may process predetermined payment error information (eg payment error code) or payment approval information (eg payment approval) in the process of processing payment approval for the payment amount through the payment card 455. Number) to generate a payment processing result including any one.

When the payment approval processing unit 430 generates a payment processing result including any one of the payment error information (eg, payment error code) or payment approval information (eg, payment approval number), the information generation unit ( 435 may generate predetermined payment processing history information including the card information, payment amount information, merchant information, slip information, and payment processing result. The information transmitting unit 420 may include the interface unit 405. ) And the predetermined payment approval result information including payment processing history information is transmitted to the payment request server 465 and the client terminal 460 according to a predetermined online payment protocol.

The payment request server 465, which has received the payment approval result information, transmits to the predetermined purchase history D / B 470 card information corresponding to the offline payment processing, payment amount information, purchase date information and slip information, and at least And at least one purchase history information including at least one purchase product information and purchase price information for each purchase product.

According to an embodiment of the present invention, when the payment request server 465 includes a predetermined internet shopping mall server and a content providing server, at least one purchase product information included in the purchase history information and a purchase price for each purchased product Information and the like is preferably extracted from the shopping cart D / B provided in the payment request server (465).

According to another exemplary embodiment of the present invention, when the payment request server 465 includes a predetermined repayment agency server, at least one purchase product information included in the purchase history information and purchase price information for each purchased product may be It is preferable to receive from at least one web server requesting the online payment in association with the payment agency server.

When the predetermined payment processing history information including the payment approval information (eg, payment approval number) is generated by the payment approval processing unit 430, the information storage unit 440 stores the payment processing history information (eg, the A predetermined transaction processing history including card information, payment amount information, merchant information, and payment approval information), and generates predetermined transaction history information further including the payment date and time information to the predetermined transaction history D / B 450. It is characterized by storing.

5A and 5B illustrate an online payment approval process for automatically reflecting online purchase details in an electronic household according to an embodiment of the present invention.

In more detail, FIGS. 5A and 5B illustrate an online payment when a payment process is performed using an online payment channel corresponding to the online payment system shown in FIG. 4 through a payment card 455 issued through a predetermined card issuing system. An online payment processing process for automatically reflecting a purchase history corresponding to a processing to a predetermined electronic household account, wherein the payment request server 465 is linked with the client terminal 460 and the card company server 100. After performing the online payment process, in order to automatically reflect the purchase history corresponding to the online payment process to a predetermined electronic household account, the card information, the payment amount information, the purchase date information and the slip information corresponding to the online payment process, and at least Purchase history including at least one purchase product information and purchase amount information for each purchase product, etc. Information a diagram illustrating a process of storing the purchase history D / B (470).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to infer various implementation methods for the online card payment process through the payment card 455. However, the present invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation methods shown in FIGS. 5A and 5B.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b, in addition to online payment through the payment card 455, based on unpaid bank transfer (or bank transfer). Performing the online payment or electronic voucher-based online payment processing, and generating predetermined purchase history information corresponding to the online payment in order to automatically reflect the purchase details corresponding to the online payment processing to a predetermined electronic household account. Although it can be inferred the process of storing in the history D / B (470), the present invention is characterized in that it comprises all the implementation method inferred.

5A and 5B, the payment request server 465 on the online payment system illustrated in FIG. 4 may be connected to a predetermined client terminal 460 according to a predetermined online payment processing procedure. A communication network provided with a predetermined online payment protocol for payment approval request information including information, predetermined payment amount information corresponding to purchase price information for each purchased product, merchant information corresponding to the online merchant, and client terminal 460 information. When transmitting to the card company server 100 through (500), the card company server 100 is based on the client terminal 460 information included in the payment approval request information based on the online payment protocol of the client terminal ( In operation 505, a predetermined payment interface is provided and output.

Thereafter, the client terminal 460 inputs (or selects) the card information through the payment interface (510), and transmits the card information to the card company server 100 according to the online payment protocol (515). .

In the technical field to which the present invention pertains, the card company server 100 receives the payment approval request information from the payment request server 465 in response to the online payment protocol, and the client terminal ( Since it will be familiar with the process of receiving the card information from 460, a detailed description thereof will be omitted for convenience.

Thereafter, the card company server 100 checks whether the received card information is issued through a predetermined card issuing system and matches the card information stored in the card information D / B 445 (520).

According to an embodiment of the present invention, the affiliate server is a card issuing system, the card information is predetermined by using the received card information as a keyword to search / retrieve the card information stored in the card information D / B (445) It is desirable to check whether the card information issued through.

If the received card information does not match the card information stored in the card information D / B 445 (525), the card company server 100 the payment approval result information including the card information error code. Generate and transmit to the client terminal 460 according to the online payment protocol (530).

On the other hand, if it is confirmed that the received card information is matched with the card information stored in the card information D / B 445 (525), the card company server 100 from the card information D / B (445) The limit amount for the payment card 455 is checked based on the card limit information associated with the card information (535).

According to an embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a credit card payment means (or postpaid payment attribute), the card company server 100 is the card information D / B ( 445) confirming the predetermined credit limit amount information stored in association with the card information, and comparing the confirmed credit limit amount information with the payment amount, thereby making payment for the payment amount through the payment card 455; It is desirable to process the approval.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information comprises a check card / debit card payment means (or a debit payment attribute associated with the account) associated with a predetermined account, The card company server 100 checks the predetermined account information stored in association with the card information from the card information D / B 445 and checks the account balance in connection with a predetermined financial system in which the account is opened. After that, it is preferable to process payment approval for the payment amount through the payment card 455 by comparing the confirmed account balance with the payment amount.

Alternatively, when the account balance information stored in association with the card information is directly stored in the card information D / B 445, the card company server 100 is connected to the card information from the card information D / B 445. After confirming the account balance stored and stored in a cooperative process, it is possible to process payment approval for the payment amount through the payment card 455 by comparing the confirmed account balance with the payment amount.

According to another embodiment of the present invention, when the payment means corresponding to the confirmed card information includes a prepaid card payment means (or prepaid payment attribute), the card company server 100 is the card information D / Confirming the predetermined amount of charge information stored in association with the card information from B 445, and comparing the confirmed amount of payment information with the amount of payment, the payment for the payment amount through the payment card 455 It is desirable to process the approval.

If the limit amount for the payment card 455 is confirmed (540), the card company server 100 compares the payment amount with the limit amount to pay the payment amount using the payment card 455. A payment approval procedure for processing is performed (545).

If, as a result of the payment approval, payment approval for the payment amount is not confirmed (550), the card company server 100 is settled including payment error information (e.g. payment error code) for the payment card 455. Generating processing history information (555), and generates payment approval result information including the payment processing history and transmits to the client terminal 460 and the payment request server (465) (570).

On the other hand, when the payment approval is confirmed, the payment approval for the payment amount (550), the card company server 100 includes the card information, payment amount information, merchant information and payment approval information (eg, payment approval number) Generating payment processing history information (560); and the payment processing history including the card information, payment amount information, merchant information, and payment approval information, and transaction history information including the payment date and time information; After storing in B 450 (565), the payment approval result information including the payment processing history is generated and transmitted to the client terminal 460 and the payment request server 465 (570).

Thereafter, the payment request server 465 receives the payment approval result information, reads the payment processing history included in the payment approval result information, and checks whether the payment approval for the payment amount has been made (575).

According to the embodiment of the present invention, when the payment request server 465 includes predetermined payment approval information (eg, payment approval number) in the payment processing history, it is confirmed that the payment approval for the payment amount has been made. desirable.

If it is confirmed that payment approval for the payment amount is made (580), the payment request server 465 inputs the card information, payment amount and slip information, and a key provided in the payment request server 465. Purchase history information including at least one or more purchase product information corresponding to code information input through a device or read through a predetermined barcode reader (or RFID reader), and purchase price information for each purchased product. The purchase history is stored in the D / B (470) (585).

6 is a diagram showing an electronic account book operating system that automatically reflects the purchase history in the electronic book according to the embodiment of the present invention.

In more detail, in FIG. 6, a predetermined client terminal 675 connects to a server on the electronic account book operating system through a predetermined network means to automatically reflect the predetermined offline purchase history or online purchase history to a predetermined electronic account book. When providing the account book interworking request information including at least one of customer information, card information and card company information of the card, the server provided with the account book linkage request information provided from the client terminal 675 in the electronic account book operating system After storing in the registration D / B 665, the online merchant (or offline) affiliated with the electronic account book server 600 from the card company server 100 shown in Figures 1 and / or 4 based on the card information Check the document information corresponding to the affiliated store, and receive the information from the affiliated affiliated store server 160 (or the payment request server 465). The present invention relates to an electronic account book operating system configured to automatically receive the purchase history information corresponding to the document information and to the spending history of the electronic book of the customer, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 6 and various modifications may be inferred for the electronic account book operating system configuration for automatically reflecting the purchase history to the electronic account book by referring to 6 and / or modifications, but the present invention includes all the implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, the card registration D is received by receiving the account book interworking request information including at least one predetermined customer information, card information, and card company information provided from the client terminal 675 on the electronic account book operating system shown in FIG. After storing in / B (665), the online merchant (or offline merchant) affiliated with the electronic account book server 600 from the card company server 100 shown in Figure 1 and / or Figure 4 based on the card information Checking the document information corresponding to the and receives the purchase history information corresponding to the document information from the affiliated merchant server 160 (or payment request server 465) to automatically reflect the expenses of the electronic household of the customer Components corresponding to at least one or more means and / or functional configurations are referred to as " electronic account book server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an electronic account book operating system for automatically reflecting the purchase history to an electronic account book includes at least one client terminal 675 connected to a predetermined network means, and the client terminal. Offline registration with at least one online affiliate merchant information affiliated to provide at least one purchase history to the electronic account book server 600, the card registration D / B (665) for storing the account book interworking request information transmitted from 667, Affiliated merchant D / B 670 for storing affiliate store information, and store book information associated with the electronic bookkeeping book operated by the electronic book book server 600, at least one expense history information and income history information (not shown) Connected to the account book D / B 660 and the client terminal 675 through a predetermined network means, After receiving the account book interworking request information transmitted through the work means and stored in the card registration D / B (665), based on the card information from the card company server 100 shown in Figure 1 and / or Figure 4 Checking the slip information corresponding to the online affiliate (or offline affiliate) affiliated with the electronic account book server 600, and corresponding to the slip information from the affiliated merchant server 160 (or payment request server 465) It is characterized in that it comprises an electronic account book server 600 that receives the purchase history information and automatically reflects the spending history of the electronic account book of the customer.

In addition, the electronic account book operating system for automatically reflecting the purchase history to the electronic account book, connected to the electronic account book server 600 through a predetermined communication network, the account book interworking request stored in a predetermined card registration D / B (665) It further comprises a card company server 100 for operating a transaction history D / B corresponding to the information.

In addition, the electronic account book operating system for automatically reflecting the purchase history to the electronic account book, is connected to the electronic account book server 600 through a predetermined communication network, the purchase history D / shown in Figure 1 and / or Figure 4 Merchant server 160 for operating B, or a payment request server 465 is characterized in that it is further provided.

The client terminal 675 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the electronic account book server 600 through a communication, and / or a code division multiple access (CDMA) based mobile communication network (or A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. And at least one or more wireless terminals including at least one WLAN terminal, wherein the client terminal 6 75) outputs at least one or more account book interface screens provided by the electronic account book server 600, and inputs and / or selects at least one or more information through the account book interface screen to transmit to the electronic account book server 600. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 675 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the client terminal 675 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the client terminal 675 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or the IEEE 802.16x based high speed wireless Internet, and / or the IEEE 802.11x based wireless LAN communication network.

The card registration D / B 665 provided on the electronic account book operating system according to the present invention includes an account book interworking request including at least one predetermined customer information, card information and card company information transmitted from the client terminal 675. Characterized in that the information is processed by linking.

The customer information includes personal information (eg, a customer name, Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 600 through the payment system illustrated in FIGS. 1 and / or 4. The information corresponding to the purchased payment means (or payment means), preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, card issuance) Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another embodiment of the present invention, the card information is the wireless terminal information, or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in Figure 1 and / or Figure 4, or It is possible to replace with membership card information, point card information and the like, by which the present invention is not limited.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked) with each other.

The affiliated affiliated store D / B 670 provided on the electronic account book operating system according to the present invention includes at least one online affiliated merchant information and offline affiliated affiliate store affiliated to provide at least one or more purchase details to the electronic account book server 600. It is characterized by storing the information.

Preferably, the online affiliated merchant information and offline affiliated merchant information include information matched with merchant information of transaction history information provided in the transaction history D / B shown in FIGS. 1 and / or 4.

According to the method of the present invention, the online affiliated merchant information and offline affiliated merchant information, the merchant server 160 operating the purchase history D / B shown in Figure 1 and / or Figure 4, or payment request server (465) It is preferable to include the information.

The account book D / B 660 provided on the electronic account book operating system according to the present invention includes account book information corresponding to the electronic book book operated by the electronic book book server 600, at least one or more expenditure history information and income history information ( It is characterized by storing in association with (not shown).

The account book information may include an account book name, an account book user information, at least one spending account and a profit account corresponding to the electronic book book operating in the electronic book book server 600.

The expenditure history information is information stored in the expenditure corresponding to the expenditure account of the account book information, payment means information (eg, credit card information, check card information, debit card information, prepaid card information, Cash, various gift certificates, etc.), expenditure date and time information, purchase product information, and purchase amount information for each purchased product.

The income history information is information stored in the income history corresponding to the income account of the household account information, salary income information of the household account user (or household), various credit income information provided from various financial institutions (for example, various loans) Amount information), rental income information, sales income information, and the like.

According to an embodiment of the present invention, the electronic account book server 600 communicates with the client terminal 675 through the network means in order to provide a web interface corresponding to the client terminal 675 and the network means. And an interface unit 605 for connecting and managing channels, whereby the electronic account book server 600 is connected to the client terminal 675 via a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the client terminal 675 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 605 may connect the client terminal 675 and the HTTP ( Connect a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and through the communication channel, an account book interface screen and / or a Hyper-Text Markup Language (HTML) compatible document form to the client terminal 675. It is preferable to perform a function of transmitting and outputting an information providing screen and receiving and processing predetermined account book linkage request information input (or selected) through the account book interface screen from the client terminal 675.

According to another exemplary embodiment of the present invention, when the client terminal 675 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 605 may communicate with the client terminal 675 and WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the accounting unit in WML (Wireless Markup Language) and / or HTML compatible document form to the client terminal 675 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen and receiving and processing predetermined account book interworking request information corresponding to the account book interface screen from the client terminal 675.

According to another exemplary embodiment of the present invention, when the client terminal 675 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 605 may be connected to the client terminal 675. Connecting a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, transmitting and outputting a predetermined account book interface screen and / or information providing screen to the client terminal 675 via the communication channel, It is preferable to perform a function of receiving and processing predetermined account book interworking request information corresponding to the account book interface screen from the client terminal 675, and / or the client terminal 675 is an IEEE 802.11x based wireless communication network. When the communication channel is connected through the wireless terminal, the interface unit 605 is connected with the client terminal 675. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmit and output a predetermined account book interface screen and / or information providing screen to the client terminal 675 through the communication channel, It is preferable to perform a function of receiving and processing predetermined account book linkage request information corresponding to the account book interface screen from the client terminal 675.

Referring to FIG. 6, the electronic account book server 600 is linked with the interface unit 605 when a predetermined client terminal 675 connects to the electronic account book server 600 through the interface unit 605. An interface provider 610 for generating (or extracting) a predetermined account book interface screen for inputting (or selecting) predetermined account book interworking request information from the client terminal 675 and the interface unit 605. Information receiving unit which receives the account book interworking request information including at least one of predetermined customer information and card information and card company information inputted (or selected) and transmitted from the client terminal 675 through the account book interface screen in association with 615, and an information storage unit 620 for storing the received account book interworking request information in the card registration D / B (665) It is characterized by.

The interface providing unit 610 has a functional configuration (eg, a client) provided in the client terminal 675 when a predetermined client terminal 675 is connected to the electronic account book server 600 through the interface unit 605. Generate a predetermined account book interface screen that can input (or select) predetermined account book interworking request information to the electronic account book server 600 through the network means in response to a browser program included in the terminal 675; And / or extracting from a predetermined database (not shown) and providing the generated accounting interface screen to the client terminal 675 via the network means in conjunction with the interface unit 605. It features.

Thereafter, the client terminal 675 inputs (or selects) account book interworking request information including at least one of predetermined customer information, card information, and card company information based on the account book interface screen. When it is confirmed that the input (or selection), the client terminal 675 transmits the input (or selection) of the account book interworking request information to the electronic account book server 600 via the network means.

Those skilled in the art to which the present invention pertains may input (or select) the account book interworking request information from the client terminal 675 through at least one form form included in the account book interface screen. And technical features for transmitting the input (or selection) of the account book interworking request information to the electronic account book server 600 through a communication protocol provided by the network means. Is omitted for convenience.

The information receiving unit 615 inputs (or selects) predetermined account book interworking request information through the account book interface screen from the client terminal 675 and transmits the information through the network means. The account book interworking request information is received, and the received account book interworking request information is provided to the information storage unit 620.

The information storage unit 620 stores the account book interworking request information including at least one of the customer information, the card information, and the card company information received through the information receiving unit 615 in the card registration D / B 665. It is characterized by.

The customer information includes personal information (eg, a customer name, Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 600 through the payment system illustrated in FIGS. 1 and / or 4. The information corresponding to the purchased payment means (or payment means), preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, card issuance) Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another embodiment of the present invention, the card information is the wireless terminal information, or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in Figure 1 and / or Figure 4, or It is possible to replace with membership card information, point card information and the like, by which the present invention is not limited.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked) with each other.

According to the present invention, the card company server 100 corresponding to the card company information is characterized in that connected to the electronic account book server 600 through a predetermined communication network, the predetermined from the electronic account book server 600 through the communication network Receives the card information (or card information and online affiliated merchant information and offline affiliated merchant information), and stores the transaction history information corresponding to the card information to the electronic account book server 600 in association with the transaction history D / B Extract at least one document information corresponding to a transaction history including at least one online affiliate merchant information and an offline affiliate merchant information affiliated to provide at least one purchase history, and correspond to the extracted document information and the document information Affiliated affiliate information (eg, online affiliated merchant information, or offline affiliated merchant information) ) Is transmitted to the electronic account book server 600 through the communication network.

6, the electronic account book server 600, the card information and card company information included in the account book link request information received through the information receiving unit 615, in order to automatically reflect the purchase history to the electronic account book, Or an information checking unit 625 for checking card information and card company information (eg, card company server 100 information) included in the account book interworking request information stored in the card registration D / B 665, and the checked card company. A card information transmitter 630 for transmitting the card information to a card company server 100 corresponding to the card company information through a predetermined communication network based on the information, and a transaction corresponding to the card information from the card company server 100. Affiliation affiliate corresponding to the slip information and slip information including the affiliated store information to provide at least one purchase history to the electronic account book server 600 of the history information And a slip information receiving unit 635 for receiving point information (eg, online affiliated merchant information or offline affiliated merchant information).

The information confirming unit 625 may include card information and card company information included in the account book linkage request information received through the information receiver 615, or the book linkage request information stored in the card registration D / B 665. Check the included card information and card company information, and the card company to check the information of the card company server (100) operating with the card information D / B and the transaction history D / B shown in Figure 1 and / or Figure 4 It is characterized by.

When the card company server 100 information corresponding to the card company information is confirmed by the information checking unit 625, the card information transmitting unit 630 is connected to the confirmed card company server 100 information through a predetermined communication network. Characterized in that the card information is sent to the corresponding card company server (100).

According to an embodiment of the present invention, when the at least one online affiliated merchant information and offline affiliated merchant information associated with the card company server 100 to provide at least one or more purchase details to the electronic account book server 600 are not provided, The card information transmitting unit 630 may include at least one online affiliated merchant information and an offline affiliated merchant provided in the affiliated affiliated store D / B 670 to the card information confirmed by the card company server 100 through the communication network. It is preferable to further include information for transmission, whereby the present invention is not limited.

Subsequently, the card company server 100 includes at least one online affiliated merchant information and offline affiliated merchant information associated with providing the at least one purchase history to the electronic account book server 600 of the transaction history matching the card information. Extracting at least one document information corresponding to the transaction details, and extracting the extracted document information and the affiliated merchant information (eg, the online affiliated merchant information or the offline affiliated merchant information) corresponding to the document information through the communication network; Characterized in that it is transmitted to the electronic account book server 600, the slip information receiving unit 635 is affiliated merchant information corresponding to the slip information and the slip information transmitted from the card company server 100 (for example, online affiliate affiliate store) Information, or offline affiliated merchant information) .

According to an embodiment of the present invention, the card information is transmitted to the card company server 100 through the card information transmitting unit 630, and the card company server 100 from the card company server 100 through the slip information receiving unit 635. In order to receive the slip information corresponding to the information, it is preferable that the electronic account book server 600 and the card company server 100 define a predetermined communication protocol, and the present invention is not limited by the communication protocol structure.

According to the present invention, the affiliated store server 160 or the payment request server 465 corresponding to the affiliated store information (eg, the online affiliated store information or the offline affiliated store information) is connected to the electronic account book server 600 and predetermined. Characterized in that it is connected through a communication network, in connection with the purchase history D / B for receiving at least one or more slip information from the electronic account book server 600 through the communication network, and stores the purchase history information corresponding to the slip information The electronic account book server 600 is characterized by transmitting at least one or more purchase history information corresponding to the slip information.

Referring to FIG. 6, the electronic account book server 600 automatically reflects the purchase history to the electronic account book, at least one affiliate affiliate information (eg, online affiliate affiliate information) received through the slip information receiver 635. Or a slip information transfer unit 640 for transmitting the slip information to the affiliate store server 160 (or the payment request server 465) corresponding to the offline affiliated store information, and the affiliate store server 160 (or the payment request). The purchase history receiver 645 for receiving at least one purchase history information corresponding to the slip information from the server 465, and classifying the received purchase history information according to the expenditure classification classification standard corresponding to the electronic household account. Expenditure history generation unit 650 for generating predetermined expenditure history information and expenditure history for storing the classified expense history information in the expense history of the account book D / B 660 That obtained by having a (655) is characterized.

When the at least one slip information corresponding to the card information and the affiliated merchant information corresponding to the slip information (eg, the online affiliated merchant information or the offline affiliated merchant information) are received through the slip information receiving unit 635, the slip is received. The information transmitting unit 640 transmits the slip information to the affiliate store server 160 (or the payment request server 465) corresponding to the received at least one affiliated store information (for example, online affiliated store information or offline affiliated store information). By transmitting the, the merchant server 160 (or payment request server 465) is characterized in that to request at least one or more purchase history information corresponding to the slip information.

Thereafter, the affiliated store server 160 (or the payment request server 465) is connected to the purchase history D / B storing the purchase history information corresponding to the slip information to the electronic account book server 600 to the slip information. Extracting at least one corresponding purchase history information and transmitting the extracted purchase history information to the electronic account book server 600 through the communication network, wherein the purchase history receiver 645 is connected to the affiliated store server through the communication network. 160 or more (or payment request server 465) receives at least one or more purchase history information corresponding to the slip information, the purchase history information comprises the payment amount information, or the payment In response to a request for details on the amount of money, at least one purchase product information corresponding to the payment amount information and the purchase amount for each purchase product are determined. And characterized by comprising comprises a.

According to the exemplary embodiment of the present invention, the slip information is transmitted to the affiliated store server 160 (or the payment request server 465) through the slip information transmitting unit 640, and through the purchase history receiving unit 645. In order to receive the purchase history information corresponding to the slip information from at least one merchant server 160 (or payment request server 465), the electronic book book server 600 and each merchant server 160 (or payment) The request server 465 preferably defines a predetermined communication protocol, and the present invention is not limited by the communication protocol structure.

According to the exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server 465) may include at least one or more purchase history information included in the purchase history D / B in the electronic account book server 600. It is preferable to selectively extract only the information used to transmit the information to the electronic account book server 600.

When at least one purchase history information is received from the at least one merchant server 160 (or the payment request server 465) through the purchase history receiver 645, the expenditure history generator 650 may receive the received purchase. The breakdown information is classified according to the expenditure breakdown criteria corresponding to the electronic account book to generate predetermined expenditure breakdown information.

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 660 is classified and stored according to the expiration date, the expenditure history generator 650 may purchase the received at least one purchase. After defining the purchase date and time included in the history information as the expiration date, the expiration date of the expenditure history directly input by the customer of the expenditure account of the electronic household account provided in the D / B 660 of the account book and included in the received purchase history By arranging the purchased purchase date and time according to the date / time, it is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 660 is classified and stored according to a payment method, the expenditure history generating unit 650 may receive the at least one received account. After defining card information (or wireless terminal information, various non-payment card information, or various gift card information, etc.) included in the purchase history information as a payment method, among the spending accounts of the electronic account book provided in the account book D / B 660; Matching the respective payment means directly input by the customer, and sorting the received purchase history information according to the matched payment means, thereby generating expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic household book. It is preferable.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

When the payment history generation unit 650 classifies the received purchase history information according to the expenditure history classification criteria corresponding to the electronic household account and generates predetermined expenditure history information, the expenditure history reflecting unit 655 is configured to perform the expenditure. Storing the classified expense history information in the expense history of the account book D / B 660 in association with other expense history information of the account book D / B 660 (eg, expense history information input by a customer using the account book). It features.

According to the exemplary embodiment of the present invention, the spending history information stored in the account book D / B 660 is preferably provided to the client terminal 675 and output according to a conventional electronic account book operating procedure.

7 is a diagram illustrating an information registration process for automatically reflecting the purchase history to the electronic household according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a method for automatically reflecting the purchase history to the electronic account book server 600 by the client terminal 675 on the electronic account book operating system shown in FIG. 6 through a predetermined network means. When the account book interworking request information including at least one of customer information, card information and card company information is transmitted, the electronic book book server 600 stores the book account interworking request information in a predetermined card registration D / B 665. Thereafter, based on the card information, check the slip information corresponding to the online affiliate store (or offline affiliate store) affiliated with the electronic account book server 600 from the card company server 100 illustrated in FIGS. 1 and / or 4. Receiving the purchase history information corresponding to the slip information from the affiliated merchant server 160 (or the payment request server 465); Information registration process for automatically reflecting the shipment history, if the person of ordinary skill in the art to which the present invention belongs, information for automatically reflecting the purchase history to the electronic household account by referring to and / or modified in Figure 7 Various implementation methods for the registration process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the electronic account book server 600 on the electronic account book operating system illustrated in FIG. 6 is referred to as a “server” for convenience, and the client terminal 675 on the electronic account book operating system illustrated in FIG. Terminal ".

Referring to FIG. 7, the terminal on the electronic account book operating system illustrated in FIG. 6 connects to a communication channel for automatically reflecting a purchase history to the electronic account through the network means (700).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the electronic device to record the purchase history; Since you will be familiar with the technical features of connecting the communication channel for automatic reflection in the household account, a detailed description thereof will be omitted for convenience.

When the communication channel for automatically reflecting the purchase history to the electronic household account is connected between the terminal and the server as described above, the terminal displays an account book interface screen for automatically reflecting the purchase history to the electronic household account through the communication channel. An account book interface including a user interface for inputting (or selecting) account book linkage request information including at least one of predetermined customer information, card information, and card company information in the terminal; A screen is generated (or extracted) (710), and the generated (or extracted) account book interface screen is transmitted to the terminal through the communication channel (715).

Thereafter, the terminal is connected to the account book interlock request information including at least one predetermined customer information, card information and card company information through the user interface included in the account book interface screen for input (or selection) of the book account interlock request information It is processed to input (or select) (720).

If the account book interworking request information is input (or selected) at the terminal (725), the terminal checks the account book interworking request including at least one of predetermined customer information, card information and card company information to the server through the communication channel. In operation 730, the server stores the received account book interworking request information in the card registration D / B 665 shown in FIG. 6 (735).

The customer information includes personal information (eg, a customer name, Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) in at least one offline affiliated store (or online affiliated store) associated with the electronic account book server 600 through the payment system illustrated in FIGS. 1 and / or 4. As the information corresponding to the payment means (or payment means) purchased, preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, the card) Issuing organization number (or code)) and card type information (e.g., card identification number (or code)) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another exemplary embodiment of the present invention, the card information may include wireless terminal information or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in FIGS. 1 and / or 4. Alternatively, membership card information, point card information, and the like may be replaced, and the present invention is not limited thereto.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked) with each other.

8 is a diagram illustrating a process of automatically reflecting the purchase history to the electronic household according to an embodiment of the present invention.

In more detail, in FIG. 8, the client terminal 675 on the electronic account book operating system illustrated in FIG. 6 transmits a predetermined purchase history to the electronic account book server 600 through the information registration process illustrated in FIG. 7. When registering the account book interworking request information including at least one predetermined customer information and card information and card company information for automatic reflection, the electronic book book server 600 based on the card information included in the account book link request information The document information corresponding to the online affiliate store (or offline affiliate store) affiliated with the electronic account book server 600 is checked from the card company server 100 illustrated in FIGS. 1 and / or 4, and the affiliated affiliate store server 160 is provided. (Or payment request server 465) receives the purchase history information corresponding to the slip information to the spending history of the electronic household of the customer As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the process of automatically reflecting a predetermined purchase history to an electronic household account by referring to and / or modifying the drawing 8 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, the electronic account book server 600 on the electronic account book operating system shown in FIG. 6 is referred to as "server" in FIG.

Referring to FIG. 8, the client terminal 675 on the electronic account book operating system shown in FIG. 6 is configured to automatically reflect predetermined purchases to the electronic account book through the information registration process shown in FIG. When registering the account book interworking request information including at least one of customer information, card information and card company information, the server checks predetermined card company server 100 information corresponding to the card company information included in the registered account book interworking request information. (800), by transmitting the card information included in the account book interworking request information to the confirmed card company server 100 through a predetermined communication network (805), at least corresponding to the card information to the card company server 100 Request one or more document information.

According to an embodiment of the present invention, when at least one or more online affiliated merchant information and offline affiliated affiliate store information associated with the card company server 100 to provide at least one or more purchase details to the server are not provided, the server may be configured in the communication network. Preferably, the card company server 100 further includes at least one or more online affiliated merchant information and offline affiliated merchant information included in the affiliated affiliate store D / B 670 in the identified card information. The present invention is not limited by this.

Then, the card company server 100 and at least one or more online affiliated merchants affiliated to provide at least one or more purchase details from the transaction history D / B to the server of at least one or more transactions that match the card information; At least one slip information corresponding to a transaction history including offline affiliated merchant information is extracted (810).

If at least one slip information corresponding to the affiliated merchant information is not extracted (815), the card company server 100 generates predetermined slip unconfirmed information and transmits it to the server through the communication network (820).

On the other hand, if at least one slip information corresponding to the affiliated merchant information is extracted (815), the card company server 100 is the at least one slip information and the affiliated merchant information corresponding to the slip information to the communication network In step 825, the server checks each affiliate store server 160 (or payment request server 465) provided in the affiliated store corresponding to the received slip information (830). ).

If each affiliated store server 160 (or payment request server 465) included in the affiliated merchant is confirmed (835), the server is the identified merchant server 160 (or payment request server 465). Each of the received slip information is transmitted (840), and correspondingly, the merchant server 160 (or the payment request server 465) corresponds to at least one of the slip information from a predetermined purchase history D / B. The above purchase history information is extracted (845), and the extracted purchase history information is transmitted to the server through the communication network (850).

According to the embodiment of the present invention, the merchant information is transmitted to the affiliate server 160 (or the payment request server 465), and at least one merchant server 160 (or the payment request server 465) correspondingly. In order to receive purchase history information corresponding to the slip information from the server, the server and each affiliate server 160 (or the payment request server 465) preferably define a predetermined communication protocol. It is not limited by the communication protocol structure.

According to the exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server 465) may use only the information used as the expense history in the server among at least one or more purchase history information provided in the purchase history D / B. It is preferable to selectively extract and transmit to the electronic account book server 600.

Thereafter, the server classifies the received purchase history information according to a predetermined expense breakdown classification standard to generate predetermined expense breakdown information (855).

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 660 is classified and stored according to the expiration date, the server purchases the information included in the received at least one purchase history information. After defining the date and time as the expiration date, the expiration date of the expenditure history entered directly by the customer and the purchase date and time included in the received purchase history of the expenditure account of the electronic household account provided in the household account book D / B (660) By sorting by time, it is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 660 is classified and stored according to a payment method, the server is included in the received at least one purchase history information. After the card information (or wireless terminal information, various non-payment card information, or various gift certificate information) is defined as a payment method, the customer directly inputs the expenditure account of the electronic household account provided in the account book D / B 660. It is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book by matching each payment means and sorting the received purchase history information according to the matched payment means.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

Thereafter, the server associates the classified expense history information with other expense account information of the account book D / B 660 (eg, expense report information input by an account book user) to the account book D / B 660. By storing in the spending history of the 860, the purchase history is reflected as the spending history of the electronic household.

According to the exemplary embodiment of the present invention, the spending history information stored in the account book D / B 660 is preferably provided to the client terminal 675 and output according to a conventional electronic account book operating procedure.

9 is a diagram showing an electronic account book operating system that automatically reflects the purchase history in the electronic book according to another embodiment of the present invention.

In more detail, in FIG. 9, a predetermined client terminal 965 accesses a server on the electronic account book operating system through a predetermined network means to automatically reflect the predetermined offline purchase history or online purchase history to a predetermined electronic account book. When providing the account book interworking request information including at least one of customer information, card information and card company information of the card, the server provided with the account book linkage request information provided from the client terminal 965 on the electronic account book operating system After storing in the registration D / B (950), the purchase history information corresponding to the card information from the merchant server 160 (or payment request server) shown in Figure 1 and / or Figure 4 based on the card information The electronic household account management system for automatically reflecting the expenses of the electronic household account of the customer As those skilled in the art to which the present invention pertains, various inferences on the construction of the electronic account book operating system for automatically reflecting the purchase history to the electronic account book by referring to and / or modifying the drawing 9 are inferred. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, on the electronic account book operating system illustrated in FIG. 9, the card registration D / D is received by receiving account book link request information including at least one predetermined customer information, card information, and card company information provided from the client terminal 965. After storing in B 950, the purchase history information corresponding to the card information is received from the affiliated store server 160 (or the payment request server) shown in FIGS. 1 and / or 4 based on the card information. Components corresponding to at least one or more means and / or functional configurations that are automatically reflected in the customer's electronic accounting expenses are referred to as "electronic account book server 900" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an electronic account book operating system for automatically reflecting the purchase history to an electronic account book includes at least one client terminal 965 connected to a predetermined network means, and the client terminal. Card registration D / B (950) for storing the account book interworking request information transmitted from the (965), at least one online affiliated merchant information and at least one affiliated to provide at least one or more purchase history to the electronic account book server (900) The affiliated affiliated store D / B 955 for storing affiliated affiliate store information and the household book information corresponding to the electronic housekeeping unit operated by the electronic housekeeping server 900, at least one expense history information and income history information (not shown) The account book D / B 960 for storing and the client terminal 965 are connected to each other through a predetermined network means. After receiving and storing the account book interworking request information transmitted through the network means in the card registration D / B (950), based on the card information merchant server 160 shown in Figure 1 and / or Figure 4 ( Or an electronic account book server 900 that receives purchase history information corresponding to the card information from the payment request server and automatically reflects the spending history of the electronic account book of the customer.

In addition, the electronic account book operating system for automatically reflecting the purchase history to the electronic account book, is connected to the electronic account book server 900 through a predetermined communication network, the purchase history D / shown in Figure 1 and / or Figure 4 Merchant server 160 for operating B, or characterized in that it further comprises a payment request server.

The client terminal 965 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the electronic account book server 900 via a communication, and / or is a CDMA (Code Division Multiple Access) based mobile communication network (or A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. And at least one or more wireless terminals including at least one WLAN terminal, wherein the client terminal 9 65) outputs at least one account book interface screen provided by the electronic account book server 900, and inputs and / or selects at least one information through the account book interface screen to transmit to the electronic account book server 900. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 965 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the client terminal 965 is a wired terminal according to an embodiment of the present invention, the network means comprises the TCP / IP based wired communication network, and when the client terminal 965 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network.

The card registration D / B 950 provided on the electronic account book operating system according to the present invention includes an account book interworking request including at least one predetermined customer information and card information and card company information transmitted from the client terminal 965. Characterized in that the information is processed by linking.

The customer information may include personal information (eg, customer name, customer name) corresponding to an account book user who has registered as a member in the electronic account book server 900 and a customer who pays on the payment system shown in FIGS. 1 and / or 4. Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 900 through the payment system illustrated in FIGS. 1 and / or 4. The information corresponding to the purchased payment means (or payment means), preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, card issuance) Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another embodiment of the present invention, the card information is the wireless terminal information, or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in Figure 1 and / or Figure 4, or It is possible to replace with membership card information, point card information and the like, by which the present invention is not limited.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked) with each other.

The affiliated affiliated store D / B 955 provided on the electronic account book operating system according to the present invention includes at least one online affiliated merchant information and offline affiliated affiliate store affiliated to provide at least one or more purchase details to the electronic account book server 900. It is characterized by storing the information.

Preferably, the online affiliated merchant information and offline affiliated merchant information include information matching the affiliated store information of the transaction history information provided in the transaction history D / B shown in FIGS. 1 and / or 4.

According to the method of the present invention, the online affiliated merchant information and offline affiliated merchant information, the merchant server 160 operating the purchase history D / B shown in Figure 1 and / or Figure 4, or payment request server It is preferable to include information.

The account book D / B 960 provided on the electronic account book operating system according to the present invention may include account book information corresponding to the electronic book book operated by the electronic book book server 900, at least one or more expenditure history information and income history information ( It is characterized by storing in association with (not shown).

The account book information may include an account book name, an account book user information, at least one spending account and a profit account corresponding to the electronic book book operating in the electronic book book server 900.

The expenditure history information is information stored in the expenditure corresponding to the expenditure account of the account book information, payment means information (eg, credit card information, check card information, debit card information, prepaid card information, Cash, various gift certificates, etc.), expenditure date and time information, purchase product information, and purchase amount information for each purchased product.

The income history information is information stored in the income history corresponding to the income account of the household account information, salary income information of the household account user (or household), various credit income information provided from various financial institutions (for example, various loans) Amount information), rental income information, sales income information, and the like.

According to an embodiment of the present invention, the electronic account book server 900 communicates with the client terminal 965 through the network means in order to provide a web interface corresponding to the client terminal 965 and the network means. And an interface unit 905 for connecting and managing channels, whereby the electronic account book server 900 is connected to the client terminal 965 through a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the client terminal 965 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the interface unit 905 may be configured to connect the client terminal 965 with HTTP ( Connect a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and the account book interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 965 through the communication channel. It is preferable to perform a function of transmitting and outputting a provision screen and receiving and processing predetermined account book linkage request information input (or selected) from the client terminal 965 through the account book interface screen.

According to another exemplary embodiment of the present invention, when the client terminal 965 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 905 may communicate with the client terminal 965 and WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the accounting unit in the form of a wireless markup language (WML) and / or HTML compatible document to the client terminal 965 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen and receiving and processing predetermined account book interworking request information corresponding to the account book interface screen from the client terminal 965.

According to another exemplary embodiment of the present invention, when the client terminal 965 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 905 may be connected to the client terminal 965. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined account book interface screen and / or information providing screen to the client terminal 965 through the communication channel; And receiving and processing predetermined account book linkage request information corresponding to the account book interface screen from the client terminal 965, and / or the client terminal 965 is an IEEE 802.11x based wireless communication network. When the communication channel is connected to the wireless terminal through, the interface unit 905 is connected to the client terminal 965 Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmit and output a predetermined account book interface screen and / or information providing screen to the client terminal 965 through the communication channel, It is preferable to perform a function of receiving and processing predetermined account book interworking request information corresponding to the account book interface screen from the client terminal 965.

Referring to FIG. 9, the electronic account book server 900 cooperates with the interface unit 905 when a predetermined client terminal 965 accesses the electronic account book server 900 through the interface unit 905. An interface providing unit 910 for generating (or extracting) a predetermined account book interface screen for inputting (or selecting) predetermined account book interworking request information from the client terminal 965, and the interface unit 905. Information receiving unit for receiving the account book interworking request information including at least one of predetermined customer information, card information and card company information inputted (or selected) and transmitted from the client terminal 965 through the account book interface screen in association with 915 and an information storage unit 920 for storing the received account book interworking request information in the card registration D / B 950. It is characterized by.

The interface providing unit 910 has a functional configuration (eg, a client) provided in the client terminal 965 when a predetermined client terminal 965 accesses the electronic account book server 900 through the interface unit 905. In response to the browser program included in the terminal 965, a predetermined account book interworking request information may be input (or selected) and the predetermined account book interface screen may be transmitted to the electronic account book server 900 through the network means. And / or extracting from a predetermined database (not shown) and providing the generated accounting interface screen to the client terminal 965 via the network means in conjunction with the interface unit 905. It features.

Thereafter, the client terminal 965 inputs (or selects) account book interworking request information including at least one of predetermined customer information, card information, and card company information based on the account book interface screen. If it is confirmed that the input (or selection), the client terminal 965 transmits the input (or selection) of the account book linkage request information to the electronic account book server 900 via the network means.

Those skilled in the art to which the present invention pertains may input (or select) the account book linkage request information from the client terminal 965 through at least one form form included in the account book interface screen. And technical features for transmitting the input (or selection) of the account book interworking request information to the electronic book book server 900 through a communication protocol provided by the network means. Is omitted for convenience.

The information receiving unit 915 inputs (or selects) predetermined account book interworking request information through the account book interface screen from the client terminal 965 and transmits the information through the network means. The account book interworking request information is received, and the received account book interworking request information is provided to the information storage unit 920.

The information storage unit 920 stores the account book linkage request information including at least one of the customer information, the card information, and the card company information received through the information receiving unit 915 in the card registration D / B 950. It is characterized by.

The customer information may include personal information (eg, customer name, customer name) corresponding to an account book user who has registered as a member in the electronic account book server 900 and a customer who pays on the payment system shown in FIGS. 1 and / or 4. Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 900 through the payment system illustrated in FIGS. 1 and / or 4. The information corresponding to the purchased payment means (or payment means), preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, card issuance) Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another embodiment of the present invention, the card information is the wireless terminal information, or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in Figure 1 and / or Figure 4, or It is possible to replace with membership card information, point card information and the like, by which the present invention is not limited.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked).

According to the present invention, the affiliated store server 160 or the payment request server corresponding to the affiliated store information (eg, online affiliated store information or offline affiliated store information) is connected to the electronic account book server 900 through a predetermined communication network. And the at least one card information received from the electronic account book server 900 through the communication network, and the electronic account book in connection with a purchase history D / B for storing purchase history information corresponding to the card information. At least one purchase history information corresponding to the card information is transmitted to the server (900).

Referring to FIG. 9, the electronic account book server 900 may include at least one online affiliated merchant information and offline affiliated merchant information provided in the affiliated store D / B 955 to automatically reflect the purchase history to the electronic account book. The card information to the information confirmation unit 925 and at least one affiliated store server 160 (or payment request server) corresponding to the affiliated affiliated store through a predetermined communication network based on the identified affiliated affiliated store information. And a purchase history receiver 935 for receiving the purchase history information corresponding to the card information from the affiliated store server 160 (or the payment request server). .

The information verification unit 925 checks at least one or more online affiliated merchant information and offline affiliated merchant information included in the affiliated affiliate store D / B 955, and the payment request server information corresponding to the online affiliated affiliate store information and the information. It is characterized by checking the affiliated store server 160 information (or payment terminal 155 information) corresponding to the offline affiliated merchant information.

When the affiliated store server 160 (or the payment request server) information corresponding to the affiliated store information is confirmed by the information confirming unit 925, the card information transmitting unit 930 checks through the predetermined communication network. The merchant information server 160 (or payment request server) is characterized in that for transmitting the card information.

Subsequently, the affiliated store server 160 (or the payment request server) at least corresponding to the card information to the electronic account book server 900 in association with the purchase history D / B for storing the purchase history information corresponding to the card information. Extract one or more purchase history information, and transmit the extracted purchase history information to the electronic account book server 900 through the communication network, wherein the purchase history receiver 935 transmits the merchant history server 160 through the communication network. Or at least one purchase history information corresponding to the card information from a payment request server), wherein the purchase history information includes the payment amount information or requests for details of the payment amount. At least one purchase product information corresponding to the payment amount information and purchase price information for each purchased product corresponding to Characterized in that made.

According to an embodiment of the present invention, the card information is transmitted to the affiliated store server 160 (or the payment request server) through the card information transmitter 930 and at least one or more through the purchase history receiver 935. In order to receive purchase history information corresponding to the card information from the merchant server 160 (or the payment request server), the electronic account book server 900 and each of the merchant server 160 (or the payment request server) are predetermined. It is preferable to define a communication protocol, and the present invention is not limited by the communication protocol structure.

According to the exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server) is used as the expense history in the electronic account book server 900 of at least one or more purchase history information provided in the purchase history D / B. It is preferable to selectively extract only information and transmit the information to the electronic account book server 900.

Referring to FIG. 9, the electronic account book server 900 classifies the received purchase history information according to the expense history classification criteria corresponding to the electronic account book to automatically reflect the purchase history to the electronic account book. It is characterized in that it comprises the expenditure history generation unit 940 for generating the history information, and the expenditure history reflection unit 945 for storing the classified expenditure history information in the expenditure history of the account book D / B (960) .

When at least one purchase history information is received from at least one merchant server 160 (or a payment request server) through the purchase history receiver 935, the expenditure history generator 940 receives the received purchase history information. Characterized by the expenditure history classification criteria corresponding to the electronic household book, characterized in that to generate a predetermined expenditure history information.

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 960 is classified and stored according to the expiration date, the expenditure history generation unit 940 may receive the received at least one purchase. After defining the purchase date and time included in the history information as the expiration date, the expiration date of the expenditure history directly input by the customer among the expenditure accounts of the electronic household account provided in the D / B 960 of the account book and included in the received purchase history. By arranging the purchased purchase date and time according to the date / time, it is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 960 is classified and stored according to a payment method, the expenditure history generating unit 940 may include the received at least one After the card information (or wireless terminal information, various non-payment card information, or various gift card information, etc.) included in the purchase history information is defined as a payment method, among the spending accounts of the electronic household account provided in the account book D / B 960, Matching the respective payment means directly input by the customer, and sorting the received purchase history information according to the matched payment means, thereby generating expenditure history information corresponding to the expenditure classification criteria corresponding to the electronic household book; It is preferable.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

When the payment history generation unit 940 classifies the received purchase history information according to the expenditure history classification criteria corresponding to the electronic household account and generates predetermined expenditure history information, the expenditure history reflecting unit 945 is configured to generate the expenditure history information. Storing the classified expense history information in the expense history of the account book D / B 960 in association with other expense history information of the account book D / B 960 (eg, expense history information input by the account book user). It features.

According to the exemplary embodiment of the present invention, the spending history information stored in the account book D / B 960 may be provided to the client terminal 965 and output according to a conventional electronic account book operating procedure.

10 is a diagram illustrating an information registration process for automatically reflecting a purchase history in an electronic household according to another embodiment of the present invention.

In more detail, FIG. 10 is a diagram for automatically reflecting the purchase history to the electronic account book server 900 by the client terminal 965 on the electronic account book operating system shown in FIG. 9 through a predetermined network means. When the account book interworking request information including at least one of customer information, card information and card company information is transmitted, the account book interworking request information is stored in the predetermined card registration D / B 950 by the electronic book book server 900. On the basis of the card information, the purchase history information corresponding to the card information is provided from the merchant server 160 (or the payment request server) shown in FIG. 1 and / or FIG. As an information registration process for automatically reflecting, the person having ordinary skill in the art to which the present invention pertains, refer to FIG. And / or it may be inferred various implementation methods for the information registration process for automatically reflecting the purchase history to the electronic household account, but the present invention includes all the implementation methods inferred, the implementation method shown in Figure 10 It is not limited to only.

Hereinafter, in FIG. 10, the electronic account book server 900 on the electronic account book operating system illustrated in FIG. 9 is referred to as a “server” for convenience, and the client terminal 965 on the electronic account book operating system illustrated in FIG. Terminal ".

Referring to FIG. 10, the terminal on the electronic account book operating system illustrated in FIG. 9 connects to the server through the network means and connects a communication channel for automatically reflecting the purchase history to the electronic account book (1000).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the electronic device to record the purchase history; Since you will be familiar with the technical features of connecting the communication channel for automatic reflection in the household account, a detailed description thereof will be omitted for convenience.

When the communication channel for automatically reflecting the purchase history to the electronic household account is connected between the terminal and the server as described above, the terminal displays an account book interface screen for automatically reflecting the purchase history to the electronic household account through the communication channel. The account book interface includes a user interface for requesting (1005), and correspondingly, the server inputting (or selecting) account book linkage request information including at least one of predetermined customer information, card information, and card company information in the terminal. A screen is generated (or extracted) (1010) and the generated (or extracted) account book interface screen is transmitted to the terminal through the communication channel (1015).

Thereafter, the terminal is connected to the account book interlock request information including at least one predetermined customer information, card information and card company information through the user interface included in the account book interface screen for input (or selection) of the book account interlock request information Process to input (or select) 1020.

If the account book linkage request information is input (or selected) from the terminal (1025), the terminal checks the account book link including at least one or more predetermined customer information, card information and card company information to the server through the communication channel In operation 1030, the server stores the received account book interworking request information in the card registration D / B 950 illustrated in FIG. 9 (1035).

The customer information may include personal information (eg, customer name, customer name) corresponding to an account book user who has registered as a member in the electronic account book server 900 and a customer who pays on the payment system shown in FIGS. 1 and / or 4. Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The card information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 900 through the payment system illustrated in FIGS. 1 and / or 4. The information corresponding to the purchased payment means (or payment means), preferably comprises a predetermined card number corresponding to the payment card 150 issued to the customer, the card issuer information (for example, card issuance) Organization number (or code)) and card type information (for example, card identification number (or code) and the expiration date information (some may be omitted) for the payment card 150 is preferably made.

According to another embodiment of the present invention, the card information is the wireless terminal information, or gift certificate information of the customer according to the payment means (or payment means) used in the payment system shown in Figure 1 and / or Figure 4, or It is possible to replace with membership card information, point card information and the like, by which the present invention is not limited.

The card company information may include at least one card company name that issued the payment card 150 corresponding to the card information and at least one card company server 100 information provided in the card company. The card company server 100 It is preferable that predetermined card information D / B and transaction history D / B shown in FIGS. 1 and / or 4 are provided (or linked) with each other.

11 is a diagram illustrating a process of automatically reflecting the purchase history to the electronic household according to another embodiment of the present invention.

In more detail, in FIG. 11, the client terminal 965 on the electronic account book operating system shown in FIG. 9 transmits a predetermined purchase history to the electronic account book server 900 through the information registration process shown in FIG. When registering the account book interworking request information including at least one predetermined customer information and card information and card company information for automatic reflection, based on the card information included in the account book link request information in the electronic account book server 900 Receiving purchase history information corresponding to the card information from the merchant server 160 (or the payment request server) shown in FIG. 1 and / or FIG. 4, and automatically reflecting the expenses in the electronic household of the customer. As one of ordinary skill in the art to which the present invention pertains, a predetermined purchase can be made by referring to and / or modifying the present invention. Various implementation methods for the process of automatically reflecting the details to the electronic account book may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the electronic account book server 900 on the electronic account book operating system shown in FIG. 9 is referred to as "server" in FIG.

Referring to FIG. 11, the client terminal 965 on the electronic account book operating system shown in FIG. 9 is configured to automatically reflect predetermined purchases to the electronic account book through the information registration process shown in FIG. When registering the account book interworking request information including at least one of customer information, card information and card company information of the server, the server in conjunction with the affiliated merchant D / B (955) to automatically send a predetermined purchase history to the electronic account book Check the merchant server 160 (or payment request server) information for at least one or more online merchants or affiliated merchants corresponding to the offline affiliated store to reflect (1100), and through the predetermined communication network, the identified merchant server ( 160 by sending card information included in the account book interworking request information (or payment request server) (1105), the merchant server 160 ( Is a payment request, the server) requesting at least one purchase history information corresponding to the card information.

According to an embodiment of the present invention, the card information is transmitted to the affiliated store server 160 (or the payment request server), and corresponding card information is transmitted from at least one affiliated store server 160 (or the payment request server). In order to receive the corresponding purchase history information, the server and each merchant server 160 (or payment request server) preferably define a predetermined communication protocol, and the present invention is not limited by the communication protocol structure. .

According to the exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server) selectively selects only information used as expenditure in the server among at least one or more purchase history information provided in the purchase history D / B. It is preferable to extract and transmit to the electronic account book server (900).

Thereafter, the affiliate server 160 (or the payment request server) checks at least one piece of purchase history information matching the card information among at least one piece of purchase history information stored in the purchase history D / B (1110).

If at least one purchase history information matching the card information is not confirmed (1115), the merchant server 160 (or payment request server) generates predetermined purchase history unconfirmed information to the server through the communication network. Transmit (1120).

On the other hand, if at least one or more purchase history information matching the card information is confirmed (1115), the merchant server 160 (or payment request server) is at least one confirmed corresponding to the card information from the purchase history D / B The purchase history information is extracted (1125), and the extracted at least one purchase history information is transmitted to the server through the communication network (1130).

Thereafter, the server classifies the received purchase history information according to a predetermined expense breakdown classification standard to generate predetermined expense breakdown information (1135).

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 960 is classified and stored according to the expiration date, the server purchases the information included in the received at least one purchase history information. After the date and time is defined as the expiration date, the expiration date of the expenditure history directly input by the customer and the purchase date and time included in the received purchase history of the expenditure account of the electronic household account provided in the account book D / B (960) By sorting according to time, it is preferable to generate expenditure history information corresponding to expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, if the expenditure account of the electronic household provided in the account book D / B 960 is classified and stored according to a payment method, the server is included in the received at least one purchase history information. After defining card information (or wireless terminal information, various non-payment card information, or various gift certificate information, etc.) as a payment method, the customer directly inputs the expenditure account of the electronic household account provided in the account book D / B 960. It is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book by matching each payment means and sorting the received purchase history information according to the matched payment means.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

Thereafter, the server associates the classified expense history information with other expense history information of the account book D / B 960 (eg, expense history information input by a customer using the account book) of the account book D / B 960. By storing in the expense history (1140), the purchase history is reflected as the expense history of the electronic household.

According to the exemplary embodiment of the present invention, the spending history information stored in the account book D / B 960 may be provided to the client terminal 965 and output according to a conventional electronic account book operating procedure.

FIG. 12 is a diagram illustrating an electronic account book operating system for automatically reflecting purchase details in an electronic book account according to another exemplary embodiment of the present invention.

In more detail, in FIG. 12, a predetermined client terminal 1250 is connected to a server on an electronic account book operating system through a predetermined network means to automatically reflect a predetermined offline purchase history or an online purchase history to a predetermined electronic account book. When providing the account book interworking request information including at least one of customer information, slip information and affiliated merchant information of the, based on the account book link request information provided from the client terminal 1250 in the server 1 and / or Figure Regarding the configuration of the electronic account book operating system that receives the purchase history information corresponding to the slip information from the merchant server 160 (or the payment request server) shown in 4 and automatically reflects the spending history of the electronic account book of the customer. Those skilled in the art to which the invention pertains, see FIG. Although various implementation methods for the electronic account book operating system configuration for automatically reflecting the purchase history to the electronic account book may be inferred by referring to and / or modifying the present invention, the present invention includes all the implementation methods inferred from this figure 12 It is not limited only to the implementation method shown in FIG.

Hereinafter, FIG. 1 and FIG. 1 based on the account book link request information including at least one of predetermined customer information, slip information, and affiliated merchant information provided from the client terminal 1250 on the electronic account book operating system shown in FIG. 12. And / or at least one or more means for receiving purchase history information corresponding to the slip information from the merchant server 160 (or the payment request server) shown in FIG. 4 and automatically reflecting the expenses in the electronic account book of the customer. Components corresponding to the functional configuration are referred to as "electronic account book server 1200" for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, an electronic account book operating system for automatically reflecting the purchase history to an electronic account book includes at least one client terminal 1250 connected to a predetermined network means, and the electronic account book. The affiliated merchant D / B that stores the at least one online affiliated merchant information and the offline affiliated merchant information associated with providing at least one purchase history to the server 1200, and corresponds to the electronic household unit operated by the electronic account book server 1200. The account book D / B 1245 for storing and storing the account book information, at least one expense history information and income history information (not shown), and the client terminal 1250 through a predetermined network means, Based on the account book interworking request information transmitted through the means shown in Figure 1 and / or Figure 4 And an electronic account book server 1200 that receives purchase history information corresponding to the slip information from the illustrated merchant server 160 (or the payment request server) and automatically reflects the spending history of the electronic account book of the customer. It is done.

In addition, the electronic account book operating system for automatically reflecting the purchase history to the electronic account book, is connected to the electronic account book server 1200 through a predetermined communication network, the purchase history D / shown in Figure 1 and / or Figure 4 Merchant server 160 for operating B, or characterized in that it further comprises a payment request server.

The client terminal 1250 may be a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the electronic account book server 1200 through a communication, and / or a code division multiple access (CDMA) based mobile communication network (or A mobile communication terminal connected to a High Speed Downlink Packet Access (HSDPA) based mobile communication network, and / or a portable Internet terminal connected to a high-speed wireless Internet based on IEEE 802.16x, and / or a wireless LAN network based on IEEE 802.11x. And at least one wireless terminal including at least one WLAN terminal, wherein the client terminal 1250 outputs at least one account book interface screen provided by the electronic account book server 1200, inputs and / or selects at least one information through the account book interface screen, and transmits the same to the electronic book server server 1200. It is preferable that a function configuration (for example, a browser program and a communication function) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 1250 corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof Omit for convenience.

According to an embodiment of the present invention, when the client terminal 1250 is a wired terminal, the network means includes the TCP / IP based wired communication network, and when the client terminal 1250 is a wireless terminal, The network means preferably comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or the IEEE 802.16x based high speed wireless Internet, and / or the IEEE 802.11x based wireless LAN communication network.

The affiliated affiliated store D / B provided on the electronic account book operating system according to the present invention stores at least one online affiliated merchant information and offline affiliated affiliate store information affiliated to provide at least one or more purchase details to the electronic account book server 1200. Characterized in that.

Preferably, the online affiliated merchant information and offline affiliated merchant information include information matching the affiliated store information of the transaction history information provided in the transaction history D / B shown in FIGS. 1 and / or 4.

According to the method of the present invention, the online affiliated merchant information and offline affiliated merchant information, the merchant server 160 operating the purchase history D / B shown in Figure 1 and / or Figure 4, or payment request server It is preferable to include information.

The account book D / B 1245 provided on the electronic account book operating system according to the present invention may include account book information corresponding to the electronic account book operated by the electronic book book server 1200, at least one or more expenditure history information, and income history information ( It is characterized by storing in association with (not shown).

The account book information may include an account book name, an account book user information, at least one spending account and a profit account corresponding to the electronic book book operating in the electronic book book server 1200.

The expenditure history information is information stored in the expenditure corresponding to the expenditure account of the account book information, payment means information (eg, credit card information, check card information, debit card information, prepaid card information, Cash, various gift certificates, etc.), expenditure date and time information, purchase product information, and purchase amount information for each purchased product.

The income history information is information stored in the income history corresponding to the income account of the household account information, salary income information of the household account user (or household), various credit income information provided from various financial institutions (for example, various loans) Amount information), rental income information, sales income information, and the like.

According to an embodiment of the present invention, the electronic account book server 1200 communicates with the client terminal 1250 through the network means in order to provide a web interface corresponding to the client terminal 1250 and the network means. And an interface unit 1205 for connecting and managing channels, whereby the electronic account book server 1200 is connected to the client terminal 1250 via a wired communication network and / or a wireless communication network. It has the function of a server.

According to an embodiment of the present invention, when the client terminal 1250 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired communication network, the interface unit 1205 may connect to the client terminal 1250 and HTTP ( Connect a predetermined communication channel based on a Hyper-Text Transfer Protocol protocol, and provide an account book interface screen and / or information in the form of a Hyper-Text Markup Language (HTML) compatible document to the client terminal 1250 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and receiving and processing predetermined account book linkage request information input (or selected) through the account book interface screen from the client terminal 1250.

According to another exemplary embodiment of the present invention, when the client terminal 1250 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 1205 is connected to the client terminal 1250 and a WAP (Wireless). Connect a predetermined communication channel based on the Application Protocol and / or Mobile Explorer (ME) protocol, and the accounting unit in the form of WML (Wireless Markup Language) and / or HTML compatible document to the client terminal 1250 through the communication channel. It is preferable to perform a function of transmitting and outputting an interface screen and / or an information providing screen and receiving and processing predetermined account book interworking request information corresponding to the account book interface screen from the client terminal 1250.

According to another exemplary embodiment of the present invention, when the client terminal 1250 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 1205 may be connected to the client terminal 1250. Connecting a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, transmitting and outputting a predetermined account book interface screen and / or information providing screen to the client terminal 1250 via the communication channel, Preferably, the client terminal 1250 performs a function of receiving and processing predetermined account book interworking request information corresponding to the account book interface screen, and / or the client terminal 1250 establishes a wireless communication network based on IEEE 802.11x. When the communication channel is connected to the wireless terminal, the interface unit 1205 is the client terminal 1250 Connecting a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, transmitting and outputting a predetermined account book interface screen and / or information providing screen to the client terminal 1250 through the communication channel, It is preferable to perform a function of receiving and processing predetermined account book linkage request information corresponding to the account book interface screen from the client terminal 1250.

Referring to FIG. 12, the electronic account book server 1200 interworks with the interface unit 1205 when a predetermined client terminal 1250 connects to the electronic account book server 1200 through the interface unit 1205. An interface providing unit 1210 for generating (or extracting) a predetermined account book interface screen for inputting (or selecting) predetermined account book interworking request information from the client terminal 1250 and transmitting the predetermined account book interworking request information; 1205, in which the client terminal 1250 receives the account book interworking request information including at least one of predetermined customer information, slip information, and affiliated store information inputted (or selected) and transmitted through the account book interface screen. An information receiving unit 1215 is provided.

The interface providing unit 1210 has a functional configuration (eg, a client) provided in the client terminal 1250 when a predetermined client terminal 1250 is connected to the electronic account book server 1200 through the interface unit 1205. In response to a browser program included in the terminal 1250, a predetermined account book interface screen may be generated (or selected) and transmitted to the electronic account book server 1200 through the network means. And / or extracting from a predetermined database (not shown), and providing the generated (or extracted) account book interface screen to the client terminal 1250 via the network means in association with the interface unit 1205. It features.

Thereafter, the client terminal 1250 inputs (or selects) an account book link request information including at least one of predetermined customer information, slip information, and affiliated merchant information based on the account book interface screen, and the account book link request When it is confirmed that the information is input (or selected), the client terminal 1250 transmits the input (or selected) account book interworking request information to the electronic account book server 1200 through the network means.

If one of ordinary skill in the art to which the present invention pertains, the client terminal 1250 inputs (or selects) the account book interworking request information through at least one form form included in the account book interface screen. And technical features for transmitting the input (or selection) of the account book interworking request information to the electronic book book server 1200 through a communication protocol provided by the network means. Is omitted for convenience.

The information receiver 1215 interoperates with the interface unit 1205 when the client terminal 1250 inputs (or selects) predetermined account book interworking request information through the account book interface screen and transmits the request through the network means. The account book interworking request information is received, and the received account book interworking request information is provided to the information checking unit 1220.

According to the exemplary embodiment of the present invention, the account book linkage request information may include at least one of the customer information, the slip information and the affiliated merchant information.

The customer information may include personal information (eg, customer name, customer name) corresponding to an account book user who has registered as a member in the electronic account book server 1200 and a customer who pays on the payment system shown in FIGS. 1 and / or 4. Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The slip information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 1200 through the payment system illustrated in FIGS. 1 and / or 4. It is preferable to include the document number (or receipt serial number) included in the payment receipt (or electronic receipt) provided to the purchased customer.

The affiliated merchant information may be operated by the affiliated store server 160 (or the payment request server) shown on the payment system shown in FIGS. 1 and / or 4, or shown in FIGS. 1 and / or 4. It is preferable to include the merchant information for operating the purchase history D / B shown on the payment system, the affiliated merchant information is predetermined online affiliated merchant information provided in the affiliated merchant D / B, or offline affiliated merchant information Is preferably matched with.

According to the present invention, the affiliated store server 160 or the payment request server corresponding to the affiliated store information (eg, the online affiliated store information or the offline affiliated store information) is connected to the electronic account book server 1200 through a predetermined communication network. And the at least one slip information from the electronic account book server 1200 through the communication network, and the electronic account book in connection with a purchase history D / B for storing purchase history information corresponding to the slip information. At least one purchase history information corresponding to the slip information is transmitted to the server 1200.

Referring to FIG. 12, the electronic account book server 1200 includes at least one predetermined customer information, slip information, and affiliated merchant information through the information receiver 1215 in order to automatically reflect the purchase history to the electronic account book. When the account book interworking request information is received, the information confirming unit 1220 for confirming the affiliated store server 160 (or payment request server) information corresponding to the affiliated affiliated store information in association with the affiliated affiliated store D / B, and a predetermined The slip information transmission unit 1225 for transmitting the slip information to the at least one identified merchant server 160 (or payment request server) through a communication network, and from the merchant server 160 (or payment request server) It characterized in that it comprises a purchase history receiving unit 1230 for receiving the purchase history information corresponding to the slip information.

When the information checking unit 1220 receives the account book linkage request information including at least one of predetermined customer information, slip information, and affiliated merchant information through the information receiver 1215, the affiliate included in the book book linkage request information is received. The affiliated store affiliated with the affiliated merchant D / B based on the affiliated store information, characterized in that to check the merchant server 160 information provided in the offline affiliated store corresponding to the affiliated merchant information, or payment request server information provided in the online affiliated store. .

When the affiliated store server 160 (or payment request server) information corresponding to the affiliated store information is confirmed by the information confirming unit 1220, the slip information transmission unit 1225 performs the confirmed affiliated store through a predetermined communication network. The document information included in the account book interworking request information is transmitted to the server 160 (or a payment request server).

Thereafter, the affiliated store server 160 (or the payment request server) at least corresponding to the slip information to the electronic account book server 1200 in association with the purchase history D / B storing the purchase history information corresponding to the slip information. Extract one or more purchase history information, and transmit the extracted purchase history information to the electronic account book server 1200 through the communication network, wherein the purchase history receiver 1230 is the merchant server 160 through the communication network. Or at least one or more purchase history information corresponding to the slip information from the payment request server, wherein the purchase history information includes the payment amount information or requests for details of the payment amount. In response to the at least one purchase product information corresponding to the payment information and the purchase price information for each purchased product Characterized in that obtained by box.

According to the exemplary embodiment of the present invention, the slip information is transmitted to the affiliated store server 160 (or the payment request server) through the slip information transmitting unit 1225 and at least one or more through the purchase history receiving unit 1230. In order to receive purchase history information corresponding to the slip information from the merchant server 160 (or the payment request server), the electronic account book server 1200 and each of the merchant server 160 (or the payment request server) are predetermined. It is preferable to define a communication protocol, and the present invention is not limited by the communication protocol structure.

According to the exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server) is used as the expense history in the electronic account book server 1200 among at least one or more purchase history information provided in the purchase history D / B. It is preferable to selectively extract only information and transmit the information to the electronic account book server 1200.

Referring to FIG. 12, the electronic account book server 1200 classifies the received purchase history information according to the expense history classification criteria corresponding to the electronic account book to automatically reflect the purchase history to the electronic account book. An expenditure history generation unit 1235 for generating breakdown information and an expenditure history reflection unit 1240 for storing the classified expenditure history information in the expenditure history of the account book D / B 1245. .

When at least one purchase history information is received from the at least one merchant server 160 (or the payment request server) through the purchase history receiver 1230, the expenditure history generator 1235 receives the received purchase history information. Characterized by the expenditure history classification criteria corresponding to the electronic household book, characterized in that to generate a predetermined expenditure history information.

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 1245 is classified and stored according to the expiration date, the expenditure history generation unit 1235 is the received at least one purchase. After defining the purchase date and time included in the history information as the expiration date, the expenditure date of the expenditure history directly input by the customer among the expenditure accounts of the electronic household account provided in the D / B 1245 of the account book, and included in the received purchase history. By arranging the purchased purchase date and time according to the date / time, it is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 1245 is classified and stored according to a payment method, the expenditure history generation unit 1235 may include the received at least one received account. After defining card information (or wireless terminal information, various non-payment card information, or various gift card information, etc.) included in the purchase history information as a payment method, an expenditure account of the electronic household provided in the account book D / B 1245 Matching the respective payment means directly input by the customer and sorting the received purchase history information according to the matched payment means, thereby generating expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic household book. It is desirable to.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

When the purchase history information is generated by classifying the received purchase history information through the expenditure history generation unit 1235 according to the expenditure history classification criteria corresponding to the electronic household account, the expenditure history reflection unit 1240 is Storing the classified expense history information in the expense history of the account book D / B 1245 in association with other expense history information of the account book D / B 1245 (eg, expense history information input by the account book user). It features.

According to the exemplary embodiment of the present invention, the expenditure history information stored in the account book D / B 1245 may be provided to the client terminal 1250 and output according to a conventional electronic account book operating procedure.

13 is a view showing an information registration process for automatically reflecting the purchase history to the electronic household according to another embodiment of the present invention.

In more detail, FIG. 13 is a diagram in which the client terminal 1250 on the electronic account book operating system shown in FIG. 12 automatically reflects the purchase history to the electronic account book server 1200 through a predetermined network means. When the account book interworking request information including at least one of customer information, slip information, and affiliated merchant information is transmitted, the electronic book book server 1200 is illustrated in FIGS. 1 and / or 4 based on the book account interworking request information. Receiving purchase history information corresponding to the slip information from the merchant server 160 (or payment request server) for the information registration process for automatically reflecting the spending history of the electronic household of the customer, the technical field to which the present invention belongs If one of ordinary skill in the art, please refer to the Figure 13 and / or modified the purchase history in the electronic account book Reflection would be able to infer a variety of exemplary methods for the information registration procedure for, the present invention includes all embodiments in which the inference method, not exclusively with only the exemplary method shown in the figure 13.

Hereinafter, in FIG. 13, the electronic account book server 1200 on the electronic account book operating system illustrated in FIG. 12 is referred to as a “server” for convenience, and the client terminal 1250 on the electronic account book operating system illustrated in FIG. Terminal ".

Referring to FIG. 13, a terminal on the electronic account book operating system illustrated in FIG. 12 connects to a communication channel for automatically reflecting a purchase history to an electronic account through the network means (1300).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the electronic device to record the purchase history; Since you will be familiar with the technical features of connecting the communication channel for automatic reflection in the household account, a detailed description thereof will be omitted for convenience.

When the communication channel for automatically reflecting the purchase history to the electronic household account is connected between the terminal and the server as described above, the terminal displays an account book interface screen for automatically reflecting the purchase history to the electronic household account through the communication channel. In response to the request (1305), the server includes a user interface for inputting (or selecting) account book linkage request information including at least one of predetermined customer information, slip information, and affiliated merchant information in the terminal. The account book interface screen is generated (or extracted) (1310), and the generated (or extracted) account book interface screen is transmitted to the terminal through the communication channel (1315).

Subsequently, the terminal may include at least one accounting information request including at least one predetermined customer information, slip information, and affiliated merchant information through the user interface included in the account book interface screen for input (or selection) of the account book interworking request information. Processes 1320 to input (or select).

The customer information may include personal information (eg, customer name, customer name) corresponding to an account book user who has registered as a member in the electronic account book server 1200 and a customer who pays on the payment system shown in FIGS. 1 and / or 4. Social security number, address, wireless terminal information (or mobile phone number), e-mail address, etc.) and at least one or more member information (eg, member ID information) of the customer.

The slip information may include at least one product (or service) at least one or more offline merchants (or online merchants) affiliated with the electronic account book server 1200 through the payment system illustrated in FIGS. 1 and / or 4. It is preferable to include the document number (or receipt serial number) included in the payment receipt (or electronic receipt) provided to the purchaser.

The affiliated merchant information may be operated by the affiliated store server 160 (or the payment request server) shown on the payment system shown in FIGS. 1 and / or 4, or shown in FIGS. 1 and / or 4. It is preferable to include the merchant information for operating the purchase history D / B shown on the payment system, the affiliated merchant information is predetermined online affiliated merchant information provided in the affiliated merchant D / B, or offline affiliated merchant information Is preferably matched with.

If the account book linkage request information is input (or selected) in the terminal (1325), the terminal linking the account book including at least one or more predetermined customer information, slip information and affiliated merchant information to the server through the communication channel The request information is transmitted (1330), and correspondingly, the server receives the account book linkage request information.

14 is a diagram illustrating a process of automatically reflecting the purchase history to the electronic household according to another embodiment of the present invention.

In more detail, FIG. 14 is an electronic account book server 1200 on the electronic account book operating system shown in FIG. 12. A predetermined customer for automatically reflecting a predetermined purchase history to the electronic account book through the information registration process shown in FIG. When the account book interworking request information including at least one information, the slip information and the affiliated merchant information is received, the electronic account book server 1200 on the basis of the slip information contained in the account book interworking request information on the drawing 1 and / or Receiving the purchase history information corresponding to the slip information from the merchant server 160 (or payment request server) shown in Figure 4 for the process of automatically reflecting the spending history of the electronic household of the customer, the present invention Those of ordinary skill in the art may refer to and / or modify the drawing 14 to provide a detailed description of the electronic account book. Would be able to infer a variety of exemplary methods of a process for automatically reflected, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, in FIG. 14, the electronic account book server 1200 on the electronic account book operating system shown in FIG. 12 will be referred to as a "server" for convenience.

Referring to FIG. 14, a server on the electronic account book operating system shown in FIG. 12 is associated with predetermined customer information and slip information for automatically reflecting a predetermined purchase history to the electronic book account through the information registration process shown in FIG. When the account book interworking request information including at least one affiliate store information is received, the server is affiliated with the affiliated merchant D / B and the affiliate store merchant 160 corresponding to the affiliated store information included in the account book link request information (or payment request). The server checks the information (1400), and transmits the slip information included in the account book linkage request information to the checked merchant server 160 (or the payment request server) through a predetermined communication network (1405). 160 (or payment request server) requests at least one or more purchase history information corresponding to the slip information.

According to an embodiment of the present invention, the slip information is transmitted to the affiliate store server 160 (or the payment request server), and correspondingly, the slip information is transmitted from at least one merchant server 160 (or the payment request server) to the slip information. In order to receive the corresponding purchase history information, the server and each merchant server 160 (or payment request server) preferably define a predetermined communication protocol, and the present invention is not limited by the communication protocol structure. .

According to an exemplary embodiment of the present invention, the affiliated store server 160 (or the payment request server) selectively extracts only information used as expenditure history from the server among at least one or more purchase history information provided in the purchase history D / B. It is preferable to transmit to the electronic account book server 1200.

Thereafter, the affiliate server 160 (or the payment request server) checks at least one piece of purchase history information matching the slip information among at least one piece of purchase history information stored in the purchase history D / B (1410).

If at least one purchase history information matching the slip information is not confirmed (1415), the merchant server 160 (or the payment request server) generates predetermined purchase history unconfirmed information to the server through the communication network. Send (1420).

On the other hand, if at least one purchase history information matching the slip information is confirmed (1415), the merchant server 160 (or payment request server) is at least one confirmed corresponding to the slip information from the purchase history D / B The purchase history information is extracted (1425), and the extracted at least one purchase history information is transmitted to the server through the communication network (1430).

Thereafter, the server classifies the received purchase history information according to a predetermined expense breakdown classification standard to generate predetermined expense breakdown information (1435).

According to an embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 1245 is classified and stored according to the expiration date, the server purchases the information included in the received at least one purchase history information. After the date and time is defined as the expiration date, the expiration date of the expenditure history directly input by the customer and the purchase date and time included in the received purchase history of the expenditure account of the electronic household account provided in the account book D / B (1245) By sorting according to time, it is preferable to generate expenditure history information corresponding to expenditure breakdown criteria corresponding to the electronic account book.

According to another embodiment of the present invention, when the expenditure account of the electronic household provided in the account book D / B 1245 is classified and stored according to a payment method, the server is included in the received at least one purchase history information. After defining card information (or wireless terminal information, various non-payment card information, or various gift certificate information, etc.) as a payment method, the customer directly inputs the expenditure account of the electronic household account provided in the account book D / B 1245. It is preferable to generate expenditure history information corresponding to the expenditure breakdown criteria corresponding to the electronic account book by matching each payment means and sorting the received purchase history information according to the matched payment means.

Those skilled in the art can infer various implementation methods for classifying the received purchase history information according to the expense history classification criteria corresponding to the electronic household book in addition to the above-described expense history classification criteria. The present invention is characterized in that it comprises all the methods of inferring the above.

Thereafter, the server associates the classified expense history information with other expense history information of the account book D / B 1245 (eg, expense history information input by a customer using an account book) of the account book D / B 1245. By storing in the spending history (1440), the purchase history is reflected as the spending history of the electronic household book.

According to the exemplary embodiment of the present invention, the expenditure history information stored in the account book D / B 1245 may be provided to the client terminal 1250 and output according to a conventional electronic account book operating procedure.

According to the present invention, by automatically reflecting the purchase history of offline merchants, such as a large discount mart (or department store) that stores and manages the customer's purchase history to the spending history of the electronic household unit through a predetermined slip, the convenience of the electronic household unit There is an advantage to improve the castle.

According to the present invention, by automatically reflecting the purchase history of an online merchant, such as an Internet shopping mall (or a content providing server) that stores and manages the purchase history of the customer, as a spending history of the electronic household account through a predetermined slip, There is an advantage of improving convenience.

Claims (1)

Transmitting user card information to an affiliated store server provided at at least one affiliated store affiliated to reflect purchase history information as expenses of the household account book; Receiving, by the affiliate server, the purchase history information when the at least one purchase history information corresponding to the card information is extracted and transmitted; Generating the expenditure history information by classifying the received purchase history information according to the expenditure classification classification criteria of an account book; And And processing and storing the generated expense history information as expense history of the household account book.

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