KR20140143955A - Terminal for providing housekeepingbook service and method thereof - Google Patents

Abstract

The present invention relates to a terminal for providing a housekeeping book service and a method thereof. A terminal for providing a housekeeping book service includes: a communication interface part which receives a bank statement message of an account from a financial company server; an account management part which records a field corresponding to deposit or withdrawal per account by analyzing the bank statement message; a housekeeping book management part which integrates the deposit or withdrawal statement per account and then records the integrated bank statement per account in a corresponding field of a housekeeping book per designated period; a finance management part which provides an alarm in case the sum of expenses of the housekeeping book per previously designated period exceeds a previously established expected limit money, and analyzes consumption behavior and expense ratio to income by statistical processing of the expenses of the housekeeping book per designated period according to the statement; and a display part which displays the housekeeping book and the analysis result of the consumption behavior.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a home-

More particularly, the present invention relates to a household service providing terminal and method, and more particularly, to a home service providing terminal and method, and more particularly, The present invention relates to a household terminal service providing terminal and method for recommending a user-customized financial product.

Generally, a household account is a book that shows the financial status of an individual or a family. It is usually a manual to arrange the deposit and withdrawal of money, but nowadays, due to the development of computers and other software industries, The situation is summarized. At this time, the reason why the general and unspecified number of households use the household budget is to grasp the details of the home and personal funds deposit and withdrawal at a glance and utilize the funds more efficiently.

However, in such a conventional household or household budget program, the user must manually record the fund details by hand. In other words, users need to remember or record daily use of money, and then organize them later. For this reason, many people are reluctant to use the household budget because they are burdened with time and efforts to spend the household budget even if they want to use the household budget.

2. Description of the Related Art [0002] With the recent development of mobile communication and mobile terminal technology, a mobile terminal, particularly a cellular phone, performs various functions other than voice communication. The most frequently used function is the message sending / receiving function.

This message sending function is also used by the bank to provide account details.

In this case, when a user makes an automatic transfer of education expenses, various taxes, communication expenses, or the like in his / her account, and a deposit due to a transfer of salary or account transfer from another person occurs, And can confirm it.

However, since the user only receives the deposit and withdrawal history through the message transfer service, the user must directly calculate or arrange the account for each account when the account has a plurality of accounts.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide a method and system for receiving a message notifying that a deposit / withdrawal history of an account of a user has occurred and applying the message to a household part by drag & And a method for providing a household household service.

Another objective is to recommend personalized financial products or to provide financial information, since the financial server can acquire expenditure on consumption behavior and income analyzed through the household part applying the account transfer details.

To this end, according to a first aspect of the present invention, a household financial service provision terminal comprises: a communication interface unit for receiving an account receipt and disbursement history message from a financial server; and a field for analyzing the deposit- An account management unit for recording the deposit or withdrawal details by account in a predetermined field of the account unit for a specified period; and an alarm management unit for recording an alarm when the sum of the expenditure amounts of the account units for a predetermined period exceeds a predetermined budget limit amount, A financial management unit for statistically processing expenditures of the household account unit by a predetermined period to analyze consumption behavior and expenditure to income, and a display unit for displaying the household account and analysis results of the consumption behavior.

According to a second aspect of the present invention, there is provided a method of providing a household part service of a terminal equipped with a household part application, the method comprising: receiving the deposit and withdrawal history message from the financial server; driving the household part application according to receipt of the deposit / Analyzing the deposit and withdrawal history message and recording the deposit and withdrawal history message in a field corresponding to the deposit or withdrawal by account; and, in order to manage the deposit or withdrawal details by account, the deposit details of each account are stored in an import column of the household account, A step of summing up the details of the spending column of the household part during a predetermined period of time, a step of statistically processing the spending of the household part by a predetermined period to analyze the consumption behavior and the expenditure to income, , And providing the analysis result to the financial server It characterized in that it comprises a system.

According to the present invention, the convenience of the user is increased by applying the account deposit / withdrawal history message to the household part by the drag and drop method.

In addition, according to the present invention, the financial server provides the personalized financial product information by receiving the analysis result of the household part of the user, thereby effecting the addition of the additional product.

1 is a diagram illustrating a network configuration of a household part service providing system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a customer terminal equipped with an application for providing a household part service according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a household part service of a terminal equipped with a household part application according to an embodiment of the present invention.
4 is a diagram illustrating an example of a screen of a terminal according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a diagram illustrating a network configuration of a household part service providing system according to an embodiment of the present invention.

The household system service providing system according to an embodiment of the present invention includes a user terminal 100 and a financial server 200.

The user terminal 100 transmits and receives a signal for a household part service to the financial server 200 via a communication network to drive a previously installed household part application and displays the user information on the basis of a signal received from the financial server 200 through the household part application, Refers to a terminal that provides a household account service, and includes a PC, a notebook, a tablet PC, a wired / wireless telephone, a mobile phone, and a smart phone.

Herein, the household household service receives the deposit and withdrawal details from the user terminal and manages the deposit and withdrawal details by account when the deposit and withdrawal history is generated in the user's account in the financial server, A service to provide a deposit function of processing the withdrawal history of all the accounts in each period by expenditure and totaling the deposits and expenditures by a predetermined period by integrating the deposit details of all the accounts by period, Or the expenditure of the household part is statistically processed for each specified period to analyze the consumption behavior and the expenditure to income and provide the analysis result, To the financial server, It provides the user receives the item customized financial information, including the related financial instruments or financial information, management information based on the analysis.

Here, the communication network may be a mobile communication network of various generations such as 2G, 3G, 4G, WiBro, WiMax and LTE, a local area network such as a WLAN, Wi-Fi, Bluetooth, Zigbee, Or proximity or near communication networks such as RFID and NFC (Near Field Communication).

The financial server 200 has at least one financial account (or a financial product) opened to at least one financial transaction customer and is provided to a financial institution to provide at least one financial transaction service based on the financial account or financial product .

When the analysis result of the consumption behavior or the result of the expenditure analysis on the income is received from the user terminal 100 according to a predetermined cycle, the financial server 200 analyzes the consumption behavior, Customized financial product information including product information or financial management information to the user terminal 100.

At this time, when the financial server 200 stores information selected by the user terminal 100 in order to prepare user interest financial information, for example, money making, child education, home improvement, and old-age financing, Based on the financial information of interest in addition to the result of the analysis or the result of analysis of the expenditure compared to the result or the income.

If the financial server 200 determines that a dedicated employee is predetermined for the user, the analysis result of the consumption behavior or the expenditure analysis result for the income is provided to the corresponding dedicated employee, and a continuous financial design service .

Such a household budget service providing system makes it easy for users to make a budget life. In other words, the user can grasp the details of the household life through the household service provision system, and can share the information with the financial server, thereby selecting the financial product suitable for the executable household plan.

2 is a diagram illustrating a configuration of a customer terminal equipped with an application for providing a household part service according to an embodiment of the present invention.

2, the customer terminal 100 in which an application for providing a household service is installed includes a communication interface unit 110, an account management unit 120, a household management unit 130, a financial management unit 140, an input unit 150 ), A display unit 160, and a database unit 170.

The communication interface unit 110 receives the deposit and withdrawal history message from the financial server. The deposit and withdrawal history message includes an account number, a deposit and withdrawal date, an amount, a deposit or withdrawal code, and in some cases, information on a transfer or withdrawal person and a delivery message.

The account management unit 120 manages a deposit and withdrawal information table for each account, analyzes the deposit and withdrawal history message, and records the analyzed deposit and withdrawal messages in the corresponding fields of the depository and deposit information table by account. The deposit and withdrawal information table has fields such as deposit and withdrawal date, amount, deposit, withdrawal, remarks, and the like. Accordingly, when a new deposit / withdrawal history message is received through the communication interface unit 110, the account management unit 120 analyzes the deposit / withdrawal history message, extracts each information, and records the extracted information in the corresponding fields to update the deposit / do.

The household management unit 130 collects the deposits or withdrawals by account and records them in the corresponding fields of the household account of the designated period. The deposit amount of the deposit and withdrawal history message is recorded in the import field, and the withdrawal amount of the deposit and withdrawal history message is recorded in the expenditure field. When the user registers all of the one or more accounts managed by the user, the accounts of the accounts can be managed by the household account.

For example, if the first account and the second account are operated, the deposit amounts of the first account and the second account are recorded as income, and the first account and the second account The withdrawal amount of the account is recorded as expenditure.

The financial management unit 140 provides an alarm when the sum of expenditures of the household budget unit exceeds a preset budget limit amount for a predetermined period and statistically processes expenditure of the household budget unit by predetermined periods to analyze consumption behavior and income expenditure do. In this case, the sum of the expenditure amounts is calculated on the basis of a period preset by the user. For example, when the user sets the calculation criterion for the sum of the expenditure amounts to one day and one month, the sum of expenditures for one day is set in advance It is judged whether or not the standard is exceeded, and at the same time, it is judged whether or not the sum of the expenditure amount for one month exceeds the predetermined standard.

The financial management unit 140 transmits the analysis result of the consumption behavior or the expenditure analysis result to the financial server according to a predetermined cycle, receives the customized financial product information from the financial server, and displays the personalized financial product information through the display unit 160.

The input unit 150 receives import expenditures other than the deposit / withdrawal details of the account or the budget limit amount.

The display unit 160 may include a display unit such as an LCD (Liquid Crystal Display) or an OLED (Organic Light Emitting Diodes), and displays an analysis result of the household unit and the consumption behavior by the application of the household unit.

The database unit 170 stores information necessary for operating the terminal, and particularly stores information transmitted and received from the financial server, or stores arbitrary information, such as account management information or household management information, Store it in the household database.

The household database DB stored in the database unit 170 can be edited by a key operation of the user. That is, when the user selects the editing function of the household database DB through the key operation, the user terminal 100 reads the information of the in-memory household database DB and visually displays the information to the user. Then, while viewing the contents of the household database DB displayed by the user, The data can be edited such as change, addition, and deletion of data.

3 is a flowchart illustrating a method of providing a household part service of a terminal equipped with a household part application according to an embodiment of the present invention.

When the terminal receives the deposit / withdrawal history message from the financial server, the terminal drives the household account application according to receipt of the deposit / withdrawal history message (S100, S110).

The household account application of the terminal analyzes the received deposit / withdrawal history message and records the received deposit / withdrawal history message in a field corresponding to an account deposit or withdrawal (S120). That is, it recognizes the account number, the deposit / withdrawal date, the amount, the deposit or withdrawal code included in the deposit / withdrawal message, records the date in the deposit / withdrawal date field of each account management table, and deposits / Lt; / RTI >

When the account-by-account recording is completed, the household account application records the withdrawal history of each account in the import column of the household account and the withdrawal history of the account in the expenditure column of the household account in order to manage the deposit or withdrawal history by account in S130.

The household budget application adds up the history of the household budget for the predetermined period (S140). And provides an alarm when the sum of the total expenditure exceeds the expenditure amount of the predetermined budget limit.

The family household application displays the analysis result by analyzing the consumption behavior and the expenditure to income ratio, or provides the analysis result to the financial server (S150, S160).

The household financial institution application displays the user-customized financial product information including the related financial product information or financial management information based on the analysis result from the financial server (S170).

On the other hand, if the application is driven by the user's input, the user inputs the income or expenditure other than the deposit and withdrawal details of the account, records the received money in the field corresponding to the account deposit or withdrawal, and then proceeds to step S130.

4 is a diagram illustrating an example of a screen of a terminal according to an exemplary embodiment of the present invention.

4, when the household part application is activated and the deposit and withdrawal details are displayed on the screen 101 of the terminal, the user inputs the deposit and withdrawal details 102 to be applied to the household part from the displayed deposit and withdrawal details to the household part folder 108 Drag and Drop method.

Thus, the displayed deposit and receipt details 102 are applied to the household account.

The household budget application displays an entry / exit view menu 103, a household budget view menu 104, a statistical service menu 105, a product information notification menu 106, and various other setting menus 107 to provide additional services .

The user can check his / her account deposit / withdrawal history through the entry / exit view menu 103 and can view the account book created through the household budget viewing menu 104. The household part can be read by a predetermined period such as a day, a week, a month, and a 3-month period, and the user can further input, modify or delete the imported expenditure record through the input interface of the terminal within the read household part. In addition, the user can statistically process the expenditures of his / her household account through the statistical service menu 105 and check the analysis results such as the consumption behavior and the expenditure on the analyzed analyzed through the graph and the like. In addition, the user can receive customized financial product information, financial consultation information, and the like provided by the financial server according to the analysis result of the statistical processing through the product information notification menu 106. In particular, when the user is in a dedicated relationship with a specific employee, the analysis result may be periodically provided to a specific employee to provide continuous financial management services. In addition, the user sets the budget limit amount through the various other setting menus 107, sets an alarm to be provided when the amount exceeds the set amount, or sets a setting such as an alarm type, This is possible.

Meanwhile, the present invention can be implemented by a software program and recorded on a computer-readable recording medium.

The method comprising the steps of: receiving a deposit / withdrawal history message from the financial server; receiving the deposit / withdrawal history message to drive the household account application, analyzing the deposit / withdrawal history message, In a field corresponding to an account of withdrawal; and recording the withdrawal history of an account in an import column of a household part in a spending column of a household part to collectively manage the deposit or withdrawal history by account, Calculating an amount of expenditure to be incurred on the basis of the expenditure of the household unit by a statistical process for each of the plurality of households, A computer program that executes steps that provide Readable recording medium suitable for storing RAM commands and data.

Computer-readable media suitable for storing computer program instructions and data include semiconductor memory devices such as EPROM, EEPROM, and flash memory devices, such as magnetic disks such as internal hard disks or external disks, magneto-optical disks, and CD- ROM, and DVD-ROM disks, including non-volatile memory, media, and memory devices. The processor and memory may be supplemented by, or incorporated in, special purpose logic circuits.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: user terminal 110: communication interface unit
120: an account management unit 130: a household account management unit
140: financial management unit 150: input unit
160: Display section 170: Database section

Claims (8)

A communication interface for receiving an account receipt and disbursement history message from a financial server;
An account management unit for analyzing the deposit / withdrawal history message and recording the deposit / withdrawal history message in a field corresponding to an account deposit or withdrawal;
A household part managing unit for collecting the deposit or withdrawal details by account and recording the collected money in a corresponding field of the account unit by a designated period;
A financial management unit for providing an alarm when the total amount of expenditure of the household budget unit exceeds a preset budget limit amount by a predetermined period and statistically processing expenditure of the household budget unit by a predetermined period to analyze consumption behavior and expenditure to income ratio; And
A display unit for displaying the household part and an analysis result of the consumption behavior
And a home server service providing terminal. The billing system according to claim 1, further comprising: an input unit for receiving input of expenditure other than the deposit /
Further comprising: a home service providing terminal. The method according to claim 1,
Wherein the financial management unit transmits the analysis result of the consumption behavior or the expenditure analysis result to the financial server according to a predetermined cycle and includes the related financial product information or the financial management information based on the analysis result from the financial server And the user-customized financial product information is received. The method according to claim 1,
Wherein the deposit / withdrawal history message includes an account number, a deposit / withdrawal date, an amount, a deposit or a withdrawal code. A method of providing a household part service of a terminal equipped with a household part application,
Receiving the deposit and withdrawal history message from the financial server;
Receiving the deposit and withdrawal history message and driving the household account application to analyze the deposit and withdrawal history message and recording the analyzed deposit and withdrawal message in a field corresponding to an account deposit or withdrawal;
Recording the withdrawal history of the account in the import section of the household part in the spending column of the household part in order to unify the deposit or withdrawal history by account,
Summing the history of the spending column of the household part during a predetermined period;
Statistically processing expenditures of the household part by a predetermined period to analyze the consumption behavior and the expenditure to income and displaying the analysis result or providing the analysis result to the financial server;
And providing the household part service. 6. The method of claim 5,
The step of summing
Providing an alarm if the sum of the total expenditures exceeds a predetermined amount of expenditure of the budget limit
The method comprising the steps of: 6. The method of claim 5,
After providing the analysis result to the financial server,
Receiving and displaying customized financial product information including financial product information or financial management information based on the analysis result from the financial server
Further comprising the steps of: 6. The method of claim 5,
When an application is driven by an input of a user and an import or expenditure other than the deposit and withdrawal details of the account is inputted, the process is shifted to a step of recording in a field corresponding to the deposit or withdrawal by account, A method of providing a household budget service.

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