KR20160133058A

KR20160133058A - Method for providing integrated personal finance information and user terminal apparatus for the same

Info

Publication number: KR20160133058A
Application number: KR1020150065465A
Authority: KR
Inventors: 김관식; 김성곤; 김호성; 이병웅
Original assignee: 기웅정보통신 주식회사
Priority date: 2015-05-11
Filing date: 2015-05-11
Publication date: 2016-11-22

Abstract

The present invention relates to a method of providing integrated financial information and a user terminal for the method. The user terminal according to an embodiment of the present invention parses the received notification message and extracts the usage history of the financial card from the notification message A parser for extracting the extracted usage history and generating parsing information including the extracted usage history; A scrap unit connected to a financial company server corresponding to the usage history, scrapping predetermined financial information from the financial company server, and generating scrap information using the scrapped financial information; And an operation unit for generating integrated financial information using the parsing information and the scrap information.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing integrated financial information,

The present invention relates to a method for providing integrated financial information and a user terminal therefor, and a method for providing integrated financial information capable of providing integrated financial information corresponding to the use of a user's financial card or account change, and a user terminal therefor.

In a typical credit card transaction, when a user presents a credit card to a merchant and requests payment, the credit card company pays the merchandise or service purchased by the user to the merchant on behalf of the user. That is, the user can purchase goods or services with only credit, and the user then pays the card using a post-payment if the card issuer requests the card use amount after a certain date.

Here, the credit card company may provide a credit card settlement notification service for transmitting the usage history of the credit card by a text message to the user when the credit card is approved, so that the user can confirm his / her payment details.

However, in the case of the conventional credit card settlement notification service, only the information on the amount of use of the financial card and the cumulative usage amount are provided, and therefore, there is a problem that the information necessary for the rational consumption of the user is not provided substantially there was.

The present application provides an integrated financial information providing method and a user terminal for providing integrated financial information corresponding to use of a user's financial card or account change.

The user terminal according to an embodiment of the present invention may include a parsing unit that parses the received notification message, extracts the usage history of the financial card from the notification message, and generates parsing information including the extracted usage history part; A scrap unit connected to a financial company server corresponding to the usage history, scrapping predetermined financial information from the financial company server, and generating scrap information using the scrapped financial information; And an operation unit for generating integrated financial information using the parsing information and the scrap information.

Here, the financial card may include any one of a credit card, a check card, a debit card, and a prepaid card.

The parser may compare the calling number of the notification message with the calling number of the card issuing company that issued the financial card to determine whether the received text message corresponds to the notification message.

Here, the parser may distinguish the text included in the notification message by a plurality of items according to a predetermined rule, and extract a character string corresponding to the separated item as the parsing information.

Here, the parser may include a notification number, a financial card name, a card issuer, a card number, a user name, a usage amount, a payment term, a cancellation history, a use merchant, a usage date, And extracts at least one of the reception dates of the message as the parsing information.

Here, the parser may perform the parsing each time the notification message is received or whenever a predetermined period arrives.

Here, the scrap unit may extract the card issuer of the financial card or the settlement bank of the financial card from the parsing information, and may connect to the financial issuer server corresponding to the extracted card issuer or the settlement bank.

Here, the scrap unit may log-in to the financial company server using the user's connection information, and scrap the financial information of the user provided by the financial company server to generate the scrap information.

Here, the scrap unit may scrap the predetermined financial information from the financial information of the user provided from the financial company server using a web scrapping technique.

Here, the scrap unit may scrape at least one of the details of the using merchant using the financial card, the amount to be paid, the used amount, the settlement account balance and the automatic transfer setting history from the financial company server.

Here, the scrap unit may scrap the automatic transfer setting details set in the financial card held by the financial card or the user, and generate the scrap information including the automatic transfer setting details.

Here, the operation unit may generate integrated financial information by summing the respective automatic debit settings set in the financial card or the financial account from the scrap information.

Here, the arithmetic unit uses the scrap information and the parsing information to check the approval details of the financial card and the balance changes of the financial account generated on the previous day, adds the approval details and the balance change details, It is possible to generate integrated financial information including financial statements.

Here, the operation unit extracts the automatic transfer setting details to be settled in the financial card or the financial account today (today) using the scrap information and the parsing information, adds the automatic transfer setting details, To generate integrated financial information.

Here, the operation unit can distinguish the current expendable schedule by the expenditure completion confirmation and the expenditure completion unconfirmed according to whether the expenditure has been completed or not.

Here, the operation unit may identify the approval details of the financial card extracted from the parsing information and the remaining balance changes of the financial account extracted from the scrap information, thereby distinguishing the expenditure completion confirmation and the expenditure completion unconfirmed.

Here, the operation unit includes a previous day's expenditure history including an approval history or a balance change history of a financial card and a financial account generated on the previous day, and a debit setting item to be paid from a financial card or financial account on today's day And outputs the integrated financial information including the previous-day expenditure history and the current-day expenditure schedule at a time set by the user.

Here, the arithmetic operation unit checks the approval details of the financial card corresponding to the automatic debit setting details and the balance change history of the financial account using the scrap information and the parsing information, and confirms the approval details of the confirmed financial card and the financial account You can extract the details of the execution of the automatic transfer from the balance details to the payment or transfer by automatic transfer.

Here, the operation unit may generate the integrated financial information including the unauthorized withdrawal information for the automatic transfer by comparing the automatic transfer execution details and the automatic transfer setting details.

Wherein the operation unit displays a double withdrawal in the unfixed withdrawal information if there are two or more automatic transfer execution details corresponding to the same automatic transfer setting details, If the balance fluctuation date of the automatic withdrawal setting information is past the withdrawal reference day included in the automatic transfer setting details, the base date violation may be displayed in the unauthorized withdrawal information. When the approved amount of the financial card or the balance change amount of the financial account included in the automatic transfer execution details is different from the automatic transfer amount included in the automatic transfer setting details, Violation can be indicated.

Here, the calculation unit may check the approval details of the financial card and the balance changes of the financial account held by the user for a predetermined analysis period using the parsing information and the scrap information, Of the balance of the balance can be set as a fixed expenditure item in which the same amount is paid or transferred at the same cycle to the same financial card or financial account.

Here, the operation unit may check the approval details of the financial card and the remaining balance changes of the financial account using the scrap information and the parsing information, and calculate the fixed expenditure history from the approval details of the approved financial card and the balance changes of the financial account Can be extracted.

Here, the operation unit may generate the integrated financial information including the unauthorized withdrawal information for the fixed expenditure by comparing the automatic transfer execution details and the fixed expenditure details.

Wherein the operation unit can display a double withdrawal in the unfixed withdrawal information if there are two or more automatic transfer execution details corresponding to the same fixed expenditure breakdown from the fixed expenditure breakdown, If the date of approval of the financial card or the balance change date of the financial account is past the date of withdrawal of the fixed expenditure history, a violation of the base date may be indicated in the unlawful withdrawal information. If the approved amount of the financial card or the balance change amount of the financial account included in the automatic transfer execution details is different from the transfer amount or the settlement amount of the fixed expenditure breakdown, Can be displayed.

Here, the operation unit may set the item selected by the user as the fixed expenditure history, from the approval details of the financial card and the balance changes of the financial account held by the user.

Here, the detailed information of the using merchant store may include at least one of a name, an address, and a telephone number of the using merchant store.

Here, the scrap unit may connect to a plurality of financial company servers, and scrap the user's financial information from each financial company server.

Here, if the parsing information includes the cancellation history of the financial card, the operation unit may further include canceling confirmation information to generate integrated financial information.

Here, the operation unit can check the scrap information of the financial server corresponding to the settlement account of the financial card, and update the cancellation confirmation information.

The operation unit may change the cancellation confirmation information from the deposit unconfirmed state to the deposit confirmation state when the account balance change of the amount corresponding to the cancellation history is detected in the scrap information.

If the change in the account balance of the amount corresponding to the use cancellation history is not detected in the scrap information, the operation unit maintains the cancel confirmation information in the deposit unconfirmed state and stores the amount corresponding to the canceled amount as the deposit amount Can be set.

Here, the operation unit may sum up the expenditure estimated amount from the usage amount and the cancellation history of the parsing information, and compare the estimated expenditure amount with the predetermined expenditure target amount to generate the expenditure target information.

Here, the calculation unit may use any one of the total automatic transfer setting amount, the automatic transfer completion amount, and the automatic transfer planned amount for a preset period using the automatic transfer setting details extracted from the scrap information and the details of the account balance change It can generate integrated financial information.

Here, the operation unit may generate integrated financial information including fee information obtained by summing up the amounts of interest or fees, using the parsing information and scrap information.

Here, the calculation unit may calculate the payment amount, the used amount, the settlement account balance, the automatic transfer setting details and the cancellation information included in the scrap information, the usage amount of the user included in the parsing information, the installment period and the use date And may generate at least one of the integrated financial information.

Here, the operation unit may further include a remaining limit amount generated by subtracting the scheduled payment amount from the used amount, thereby generating the integrated financial information.

Here, the operation unit may compare the parsing information with the scrap information, and add suspicious transaction information to the integrated financial information when there is an inconsistent item.

Here, the operation unit may compare the address of the using merchant point included in the parsing information with the position information measured by the user terminal when using the financial card, and then compare the address of the using merchant and the position information measured by the user terminal The unauthorized use information can be added to the integrated financial information.

Here, the operation unit may compare the address of the using merchant with a preset online store address list, and may add online usage information to the integrated financial information when the address of the using merchant is included in the online store address list.

Here, the user terminal according to an exemplary embodiment of the present invention may further include a display unit for displaying the generated integrated financial information to a user.

Here, the display unit may display the integrated financial information to a user using a pop-up window or a banner.

Here, the display unit may display the location of the using merchant store and the integrated financial information at the using merchant store based on the location information of the using merchant store included in the parsing information.

Here, the display unit may display reputation information for each merchant included in the scrap information on the basis of the location information of the merchant, and the reputation information may include a reputation score calculated by a customer using the merchant, And administrative disposition information for the franchisee.

Here, the display unit may display event information of each of the affiliated stores included in the scrap information, based on the location information of the affiliated store.

The user terminal according to another exemplary embodiment of the present invention parses the received notification message to extract the financial transaction details of the user included in the notification message and generates parsing information including the extracted financial transaction details ; A scrap unit for accessing a financial service server corresponding to the financial transaction details, scrapping financial information provided by the financial service server, and generating scrap information using the scrapped financial information; And an operation unit for generating integrated usage information using the parsing information and the scrap information.

A method of providing integrated financial information according to an embodiment of the present invention includes: receiving a notification message including a usage history of a financial card; A parsing step of the user terminal parsing the notification message to extract a usage history included in the notification message and generating parsing information; A scrap step of accessing a financial service server corresponding to the usage history, scraping predetermined financial information from the financial service server, and generating scrap information using the scrapped financial information; And an operation step in which the user terminal generates integrated financial information using the parsing information and the scrap information.

The message receiving step may compare the calling number of the notification message with the calling number of the card issuing company that issued the financial card to determine whether the received text message corresponds to the notification message.

In the parsing, the text included in the notification message may be divided into a plurality of items according to a predetermined rule, and a character string corresponding to the separated item may be extracted as the parsing information.

The scrapping step may extract the card issuer of the financial card or the settlement bank of the financial card from the parsing information and access the financial issuer server corresponding to the extracted card issuer or settlement bank.

The scrapping step log-in to the financial company server using the user's access information stored in the user terminal, scrapes the financial information of the user provided by the financial company server, and generates the scrap information .

The scrapping step may extract predetermined financial information from the financial information of the user provided by the financial company server using a web scrapping technique.

Here, the scrapping step scrapes the automatic transfer setting details set in the financial card held by the financial card or the user, and generates the scrap information including the automatic transfer setting details.

Here, the calculating step may generate integrated financial information by summing the respective debit settings of the financial card or financial account among the scrap information.

Wherein the calculating step uses the scrap information and the parsing information to check the approval details of the financial card and the balance changes of the financial account that occurred on the previous day and add the approval details and the balance changes, And can generate integrated financial information including expenditure history.

Here, the calculating step extracts the automatic transfer setting details to be settled in the financial card or the financial account today (today) using the scrap information and the parsing information, adds the automatic transfer setting details, To generate integrated financial information.

Here, in the calculating step, the current expendable schedule can be distinguished from expenditure completion confirmation and expenditure completion unconfirmed according to completion of expenditure.

Here, the calculating step may identify the approval details of the financial card extracted from the parsing information and the balance change history of the financial account extracted from the scrap information to distinguish the expenditure completion confirmation and the expenditure completion confirmation.

Here, the calculation step may include a previous day's expenditure history including an approval history or a balance change history of a financial card and a financial account generated on the previous day, and an automatic transfer setting history to be paid from a financial card or a financial account on today's day And outputs the integrated financial information including the previous-day expenditure history and the current-day expenditure schedule at a time set by the user.

Wherein the calculating step uses the scrap information and the parsing information to check the approval details of the financial card corresponding to the automatic transfer setting details and the balance change details of the financial account, Can be extracted from the balance changes of the balance of the balance sheet by the automatic transfer.

Here, the calculating step may generate the integrated financial information including the unauthorized withdrawal information for the automatic transfer by comparing the automatic transfer execution details and the automatic transfer setting details.

Wherein the calculating step may display a double withdrawal in the unfixed withdrawal information if there are two or more automatic transfer execution details corresponding to the same automatic transfer setting details, Or if the balance change date of the financial account is before the withdrawal date included in the automatic transfer setting history, the default date violation may be indicated in the unauthorized withdrawal information. In the calculating step, when the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account is different from the automatic transfer amount included in the automatic transfer setting details, Amount Violation can be indicated.

Here, the calculating step may include checking the approval details of the financial card and the balance changes of the financial account held by the user for a predetermined analysis period using the parsing information and the scrap information, Among the balance changes of the account, items fixed or transferred in the same amount at the same cycle to the same financial card or financial account can be set as the fixed expenses.

Wherein the calculating step includes checking the approval details of the financial card and the remaining balance changes of the financial account using the scrap information and the parsing information and checking the balance history of the financial card, It is possible to extract the debit execution details corresponding to the history.

Here, the calculating step may generate the integrated financial information including the unauthorized withdrawal information for the fixed expenditure by comparing the automatic transfer execution details and the fixed expenditure details.

Wherein in the calculating step, if there are two or more automatic transfer execution details corresponding to the same fixed expenditure breakdown in the fixed expenditure breakdown, the double withdrawal can be displayed in the unfixed cashout information, If the approval date of the financial card included in the history or the balance change date of the financial account is transferred to the withdrawal date of the fixed expenditure history, a violation of the base date may be indicated in the unlawful withdrawal information. In the calculation step, if the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account is different from the transfer amount or the settlement amount of the fixed expenditure breakdown, Violation can be indicated.

Here, the calculating step may set an item selected by the user as the fixed expenditure history from among the approval details of the financial card and the balance changes of the financial account held by the user.

The scrapping step may connect to a plurality of financial company servers and scrap the user's financial information from each financial company server.

Here, the calculating step may further include cancel confirmation information if the parsing information includes the cancellation history of the financial card.

Here, the calculating step can check the scrap information of the financial server corresponding to the settlement account of the financial card, and update the cancellation confirmation information.

The calculating step may change the cancel confirmation information from the deposit unconfirmed state to the deposit confirmation state when the account balance change of the amount corresponding to the use cancellation history is detected in the scrap information.

If the change in the account balance of the amount corresponding to the use cancellation history is not detected in the scrap information, the operation step maintains the cancel confirmation information in the deposit unconfirmed state, .

Wherein the calculating step includes a step of calculating an amount of use of the user included in the scrap information, a used amount, a used account amount, a payment account balance, an automatic transfer setting history, and authorization cancel information included in the scrap information, The integrated financial information can be generated.

Wherein the calculating step comprises the steps of: comparing the scrap information with the parsing information; And adding suspicious transaction information to the integrated financial information if there is an inconsistent item among the scrap information and the parsing information.

The calculating step further includes the steps of: comparing an address of a using merchant included in the scrap information with position information measured by the user terminal when using the financial card; And adding the unauthorized use information to the integrated financial information when the address of the using affiliate and the position information measured by the user terminal do not match.

Wherein the calculating step compares the address of the using merchant with a preset online store address list and adding online usage information to the integrated financial information when the address of the using merchant store is included in the online store address list, .

Here, the integrated financial information providing method according to an embodiment of the present invention may further include a display step in which the user terminal displays the generated integrated financial information to a user.

Here, the displaying step may display the location of each of the using merchant points based on the location information of the using merchant store, and may display the integrated financial information at each of the using merchant stores corresponding to the location of the using merchant store.

The display step may display reputation information of each of the merchant scrapped from the financial company server or event information of the merchant based on the location information of the merchant.

In addition, the means for solving the above-mentioned problems are not all enumerating the features of the present invention. The various features of the present invention and the advantages and effects thereof will be more fully understood by reference to the following specific embodiments.

According to the integrated financial information providing method and the user terminal therefor according to the embodiment of the present invention, it is possible to provide integrated financial information corresponding to the use of the user's financial card or account change.

According to the integrated financial information providing method and the user terminal therefor according to the embodiment of the present invention, the integrated financial information can be generated by combining the parsing information included in the notification message and the scrap information provided by the financial company server, It is possible to provide information for rational consumption expenditure planning.

According to the integrated financial information providing method and the user terminal therefor according to the embodiment of the present invention, since the integrated financial information can be generated by combining the location information of the user terminal, it is possible to detect unauthorized use of the financial card, It is possible to do.

1 is a schematic view showing an integrated financial information providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a user terminal according to an embodiment of the present invention.
3 is a schematic diagram illustrating parsing of a notification message of a user terminal according to an embodiment of the present invention.
4 to 7 are schematic diagrams illustrating integrated financial information of a user terminal according to an embodiment of the present invention.
FIG. 8 is a flowchart illustrating an integrated financial information providing method according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, in order that those skilled in the art can easily carry out the present invention. In the following detailed description of the preferred embodiments of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In the drawings, like reference numerals are used throughout the drawings.

In addition, in the entire specification, when a part is referred to as being 'connected' to another part, it may be referred to as 'indirectly connected' not only with 'directly connected' . Also, to "include" an element means that it may include other elements, rather than excluding other elements, unless specifically stated otherwise.

1 is a schematic view showing an integrated financial information providing system according to an embodiment of the present invention.

Referring to FIG. 1, an integrated financial information providing system according to an embodiment of the present invention may include a merchant 1, a card issuing company 2, a financial company server 3, and a user terminal 100.

Hereinafter, an integrated financial information providing system according to an embodiment of the present invention will be described with reference to FIG.

The merchant 1 may be a company that provides goods or services to a user and allows the user u to pay for goods or services using a financial card. That is, the franchisee 1 can make a franchise agreement with the card issuer 2 for payment using the financial card, and the franchisee 1 can use the financial card to charge the user Service can be provided. Here, the merchant (1) may include an offline company such as a department store, a mart, a restaurant, and an online company such as an Internet shopping mall.

The card issuing company 2 can issue a financial card such as a credit card, a check card, a debit card, or a prepaid card to the user u and judges a request for approval of the use of the financial card received from the merchant 1 So that the use approval can be performed. For example, the card issuing company 2 may determine whether the financial card requested for approval is a stolen card, whether the utilization degree of the financial card is exceeded, and then approve the use of the financial card.

Here, when the card issuer 2 issues a credit card from the financial card, when the user u presents a credit card at the merchant 1 and requests payment, the card issuer 2 transmits the credit card to the user u) to the merchant (1). That is, the user u can purchase goods or services with no credit and only after the card issuer 2 requests the card use amount after the predetermined date. When the card issuer 2 issues a check card, the payment of the goods or services is immediately transferred from the bank account of the user (u) linked to the check card to the merchant (1) To be paid. In this case, the user may use the check card within the range of the bank account balance.

On the other hand, when the card issuing company 2 has approved the use of the financial card, the card issuing company 2 can transmit a notification message including a usage history of the financial card to the user. In other words, the user can confirm his or her financial card usage details through the notification message, so that it is possible to detect financial accidents such as fraudulent use of financial cards or payment errors. Here, since the database of the card issuer 2 may include the user's telephone number, e-mail address, etc., the notification message can be immediately transmitted to the user upon completion of approval of the financial card. For example, the card issuing company 2 may transmit the notification message to a user terminal 100 such as a user's mobile phone through a text message (SMS, MMS) or a separate messenger application An instant message, or the like. Or in accordance with an embodiment, in the form of an email using the user's email address.

However, conventionally, it provides information on the amount of use of the financial card and the cumulative amount of usage, but does not provide any information such as the remaining amount of the credit card, the amount to be billed, and the settlement account balance after the check card payment in the case of the check card I did not. That is, in the case of a conventional notification message, there is a problem that information necessary for rational consumption or the like of the user is not substantially provided.

On the other hand, in the integrated financial information providing system according to the embodiment of the present invention, as shown in FIG. 1, the user terminal 100 can extract the usage history by parsing the received message, It is possible to connect to a financial company server 3 such as a card issuer or a settlement bank corresponding to the bank account information to scrap financial information. Therefore, in the integrated financial information providing system according to the embodiment of the present invention, information for the rational consumption expenditure plan required by the user can be provided by integrating the usage history and the financial information.

2 is a block diagram illustrating a user terminal according to an embodiment of the present invention.

2, a user terminal 100 according to an exemplary embodiment of the present invention may include a parser 110, a scrap unit 120, an operation unit 130, and a display unit 140. Here, the user terminal 100 may be a portable device such as a mobile phone, a smart phone, a tablet PC, a notebook computer, or the like, and may be a device such as a desktop computer or a workstation.

Hereinafter, a user terminal 100 according to an embodiment of the present invention will be described with reference to FIG.

The parsing unit 110 may extract the usage history of the financial card from the notification message by parsing the received notification message. Thereafter, the parser 110 may generate parsing information including the extracted usage history. Here, the notification message may be a text message (SMS, MMS) or an instant message transmitted from a card issuer or the like, and may include information on a usage history of a financial card used by a user.

However, since the user terminal 100 can receive various kinds of text messages, it is necessary to distinguish text messages corresponding to the notification messages from the text messages received by the user terminal 100. [ Specifically, the parser 110 compares the origination number of the received text message, thereby distinguishing the text message corresponding to the notification message. That is, the parsing unit 110 compares the calling number of the notification message with the calling number of the card issuing company that issued the financial card, and if the calling number of the received text message matches the calling number of the card issuing company, It can be judged as corresponding. Here, the calling number of the card issuer may be stored in advance in the storage unit or the like in the user terminal 100, and the calling number of each card issuer may be entered directly by the user or may be transmitted from a separate server to the card issuer number list And the like.

Thereafter, if it is determined that the received text message corresponds to the notification message, the parser 110 distinguishes the text included in the notification message as a plurality of items according to a preset rule, Can be extracted as the parsing information. Here, the parse information includes information such as a calling number, a name of a financial card, a card issuer, a card number, a user name, a usage amount, a payment term, a cancellation history, a used merchant, Date of receipt of the message, and the like.

Specifically, as shown in FIG. 3, a notification message may be received, and each text may be distinguished into a plurality of items by using a position, a syllable, and a word of a text included in the notification message. For example, the first line "1588-6700" of the received notification message is distinguished by the "calling number" item, the "OO card" corresponding to the first word of the third line is referred to as the "card issuer" Can be distinguished by the "card classification" item. In addition, the first word "lump sum" in the fourth line and the "5,900 won" in the second word can be distinguished by the "use classification" item and the "usage amount" item, respectively. In addition, each word in the fifth line can be divided to distinguish items such as "use merchant "," use date ", " cumulative usage amount ", and extract it as parsing information.

On the other hand, if the item or arrangement of the use history included in the notification message is changed, the parsing unit 110 can change the rule for extracting items corresponding thereto. That is, if the string parsed by the parsing unit 110 does not correspond to each item, it can be determined that the form of the notification message has been changed, and the parsing unit 110 can notify the separate management server. Thereafter, when the management server updates the rule to correspond to the changed notification message, the parsing unit 110 may apply the updated rule to perform parsing of the notification message. Accordingly, the parser 110 can perform parsing to extract parsing information despite the change of the form of the notification message.

In addition, the parser 110 may perform the parsing each time the notification message is received or whenever a preset period of time has come. That is, each time a user receives a notification message, the user can immediately perform parsing or the like to provide parsing information, or can perform parsing repeatedly at predetermined intervals to provide parsing information.

The scrap unit 120 scrapes predetermined financial information from the financial company server by accessing a financial company server corresponding to the usage history. Here, the scrap unit 120 may generate scrap information using the scrapped financial information. The scrap unit 120 can grasp the card issuer of the financial card or the settlement bank of the financial card from the parsing information by using the parsing unit 110, The card issuer or the settlement bank. Here, the URL issuer or the settlement bank's URL (Uniform Resource Locator) or the like may be included in the parsing information or may be stored in advance in the storage unit of the user terminal 100 or the like. Accordingly, the scrap unit 120 can access the financial company server using the URL or the like.

The scrap unit 120 can access the financial company server using wired / wireless communication supported by the user terminal 100 and scrap financial information of the user provided by the financial company server. Here, since the user's financial information may be protected by personal information, the scrap unit 120 may log-in to the financial company server using the user's access information stored in advance by the user. The user's access information may be a user ID (ID), a password (PW), etc. set by the user in the financial company server, and in some cases, an authorized certificate password and the like may be included. According to the embodiment, it is also possible to request the user for the connection information every time the financial institution server is connected, or to update the input for the connection information every predetermined period. The scrap unit 120 can extract the financial information of a user provided from the financial company server by using a web scrapping technique and select predetermined financial information from a plurality of financial information provided by the financial company server So that scrap information can be generated. Specifically, the scrap unit 120 transmits detailed information such as the name, address, and telephone number of the using merchant using the financial card, the amount of money to be used, the amount of money used, the balance of the settlement account, It can be scrapped.

On the other hand, according to the embodiment, the scrap unit 120 may be connected to a plurality of financial company servers and scrap the user's financial information from each financial company server. That is, the scrap unit 120 can generate scrap information by simultaneously extracting and collecting financial information for a plurality of financial cards used by a user.

The calculation unit 130 may generate the integrated financial information using the parsing information and the scrap information. That is, by using the parsing information parsed from the notification message and the scrap information scrapped from the financial company server, the integrated financial information including various information related to various economic activities of the user including the use of the financial card can be generated. More specifically, the calculation unit 130 calculates a settlement amount, a used amount, a settlement account balance and approval cancel information included in the scrap information, at least one of a usage amount, a payment term, and a use date of the user included in the parsing information And may generate the integrated financial information, including one.

Here, the calculation unit 130 may generate new integrated financial information by processing the parsing information and the scrap information. For example, the user can calculate the remaining limit amount by subtracting the planned payment amount from the used amount included in the scrap information, and the calculated remaining limit amount can be included in the integrated financial information.

In other words, as shown in FIG. 4A, in the case of a credit card, it is possible to provide the user with the amount of payment, the date of payment, the amount of money used and the remaining amount of money, etc., have. Compared with the notification message shown in FIG. 3 (a), in the case of the integrated financial information, information such as a scheduled payment amount, a scheduled payment date, a used amount, and a remaining limit amount can be additionally displayed. , The date of payment, the amount of money to be used, the amount of remaining limit, and the like, so that the management of credit card use and the like can be performed more rationally. Also, in the case of the check card shown in FIG. 4B, since the integrated financial information such as the balance of the settlement account is displayed in addition to the amount of usage, the user can check the amount of money to be used, And the like can be easily grasped. Therefore, unlike the case of simply displaying the usage amount as shown in FIG. 3 (b), the user can perform management such as more convenient use of the card by using the provided integrated financial information.

According to an embodiment of the present invention, if the use information of the financial card is included in the parsing information, the operation unit 130 may generate the integrated financial information further including the cancellation confirmation information. In this case, the operation unit 130 can confirm the scrap information of the financial server corresponding to the settlement account of the financial card, and update the cancellation confirmation information. That is, the operation unit 130 can check whether the balance of the settlement account balance of the amount corresponding to the cancellation breakdown is changed or not, and change the state of the cancellation confirmation information according to whether the settlement account balance is fluctuated . First, the operation unit 130 can set the state of the cancellation confirmation information to unsettled, and confirm scrap information every predetermined period to check whether the balance of the settlement account has changed. Thereafter, when the change in the balance of the settlement account corresponding to the use cancellation history is detected, the cancel confirmation information can be changed from the deposit unconfirmed state to the deposit confirmation state. If the change in the account balance of the amount corresponding to the use cancellation history is not detected in the scrap information, the operation unit 130 keeps the cancel confirmation information in the deposit unconfirmed state, You can set it to the amount. That is, as shown in FIG. 5, the cancellation confirmation information can be indicated by the item of "3 cancellation transactions", and actual deposits due to cancellation of use of the financial card, such as "2 unfinished / 1 completed" Or not. Although not shown in FIG. 5, it is also possible to display an amount corresponding to an unconfirmed deposit state as a deposit amount or the like, and provide it to a user.

In addition, the operation unit 130 may sum up the expenditure estimated amount from the usage amount and the cancellation details of the parsing information, and compare the estimated expenditure amount with the predetermined expenditure target amount to generate the expenditure target information. In general, a user often owns a plurality of credit cards or check cards, but conventionally, a notification message or the like has been transmitted for each credit card, and cumulative usage amounts thereof have been provided. However, in order for the user to clearly identify his / her expenses and the size of his or her expenditure, it is necessary to know the expenditure amount or expenditure history of the financial card such as the entire credit card or the check card. For this, the operation unit 130 according to an embodiment of the present invention sums up the usage amount and cancellation details of various kinds of financial cards provided as the parsing information, and adds the expenditure estimated amount for a certain period, for example, . As shown in FIG. 5, it is possible to set the expenditure target and the like in advance and to provide a comparison with the estimated expenditure amount, etc., to prevent excessive expenditure and induce a reasonable economic activity.

5, using the automatic transfer setting history extracted from the scrap information and the details of the settlement account balance change, the calculation unit 130 calculates the total automatic transfer amount, the automatic transfer completion amount, And the amount of money to be automatically debited. For example, if you have already set up your automatic debit payment in December, the amount of your direct debit payment has been received by December 10, And the amount of the automatic transfer scheduled to be executed by the 31st of December.

In addition, according to the embodiment, the integrated financial information is generated so as to separately output the automatic transfer setting details set in the financial card and the automatic transfer setting details set in the financial account from among the scrap information, The integrated financial information can be generated. Here, using the scrap information and the parsing information, the operation unit 130 can confirm the approval details of the financial card and the balance change of the financial account that occurred on the previous day, and compares the approval details and the balance change details And calculate the expenditure history of the previous day. In addition, by using the scrap information and the parsing information, it is possible to extract the automatic transfer setting details to be settled in the financial card or the financial account today (today), and the automatic payment setting details are summed up to calculate the current expenditure schedule It is also possible to do. Accordingly, the user can confirm the expenditure history of the previous day and the expenditure schedule of the present day provided by the operation unit 130, and plan his expenditure plan and the like reasonably. According to the embodiment, it is also possible to generate and provide the previous day's expenditure history and today's day's expenditure schedule at a time set by the user.

On the other hand, according to the embodiment, the calculation unit 130 can distinguish the current expenditure schedule by the expenditure completion confirmation and the expenditure completion unconfirmed depending on whether the expenditure has been completed or not. That is, if the approval details of the financial card extracted from the parsing information include contents corresponding to the automatic transfer setting details, the automatic transfer set in the financial card can be indicated as the expenditure completion confirmation. Likewise, if there is a content corresponding to the automatic transfer setting details in the financial account, the automatic transfer set in the financial account can be indicated as the expenditure completion confirmation by confirming the balance change details of the financial account.

5, it is also possible to use the parsing information and the scrap information to generate the integrated financial information including the fee information obtained by summing the interest or the amount spent in the fee.

Meanwhile, the operation unit 130 may generate suspicious transaction information by comparing the parsing information and the scrap information, and may generate the integrated financial information including suspicious transaction information. Specifically, when there is an inconsistent item among the parsing information included in the received notification message and the scrap information scraped from the financial company server, it can be considered that there is a problem in settlement of the financial card. Accordingly, the operation unit 130 can add suspicious transaction information to the integrated financial information, and notify the user that the suspicious transaction corresponds to the suspicious transaction. For example, in the case where the user uses the financial card at the merchant A, in the case where the used merchant is displayed as A in the parsing information but the merchant is displayed as B in the scrap information, it corresponds to a suspicious transaction The suspicious transaction information can be added. Also, when the address or the address of the using merchant is different, the integrated financial information including the suspicious transaction information may be generated to notify the user that the transaction corresponds to the suspicious transaction.

Meanwhile, according to the embodiment, the operation unit 130 may generate the integrated financial information using the location information provided by the user terminal 100. [ For example, as shown in FIG. 7, the operation unit 130 may compare the location information measured by the user terminal 100 with the address of the using merchant point included in the parsing information when using the financial card. Here, when the address of the using merchant and the position information measured by the user terminal 100 do not match, it is determined that the illegal use of the financial card has occurred and the illegal use information can be added to the integrated financial information. Specifically, the operation unit 130 may acquire the location information of the user terminal 100 at the time when the user terminal 100 receives the notification message, and then may compare the location information with the address of the using agent included in the parsing information . Here, the location information may be the GPS coordinates of the user terminal 100 acquired using the GPS. When the position of the user terminal 100 carried by the user and the distance between the use merchant point where the financial card is used is more than a predetermined distance, it is very likely that the other person is illegally stolen or used the duplicated financial card high. Therefore, if the location information of the user terminal 100 does not match the address of the using merchant, the operation unit 130 can generate integrated financial information including fraudulent use information, thereby informing the user of the possibility of illegal use.

However, there may be a case where a user uses a financial card when purchasing goods or services on-line, and in this case, the address of the using merchant and the location information of the user terminal 100 may be different. Even in such a case, it is unreasonable to generate the integrated financial information including the fraudulent use information. Accordingly, the operation unit 130 may compare the address of the using merchant with the preset online store address list before generating the fraudulent use information. That is, when the address of the using merchant is included in the online store address list, the unauthorized use information may not be included in the integrated financial information, and instead, online usage information may be added to the integrated financial information, It can be displayed by using a financial card. The operation unit 130 may compare the address of the using merchant with the preset online store address list only when the location information of the user terminal 100 and the address of the using merchant do not match. However, according to the embodiment, before comparing the location information of the user terminal 100 with the address of the using merchant, it is necessary to compare the address of the using merchant store with the preset online store address list in advance, It is also possible to determine whether or not a financial card is used in an online store by comparing it with the name of an online store.

The display unit 140 may visually output images, moving pictures, texts, and the like using an LCD (Liquid Crystal Display) or an LED (Light Emitting Diode) And can be visually displayed to the user. Specifically, the display unit 140 may display the integrated financial information to the user, as shown in FIGS.

6, the display unit 140 may display the location of the using merchant store and the card usage details of the using merchant store based on the location information of the using merchant store included in the parsing information It is possible. That is, the display unit 140 can display the usage details of the financial card used by the user at a position corresponding to the use merchant shop on the map after displaying the usage merchant using the financial card on the map. Furthermore, the display unit 140 may display the use history of the used financial card while the user moves to each merchant for a predetermined time along with the route on the map.

Meanwhile, although not shown, the display unit 140 may display reputation information or event information for each merchant included in the scrap information on the basis of the location information of the merchant. Herein, the reputation information may be a reputation score or an evaluation opinion calculated by a customer using the franchisee, and administrative disposition information for the franchisee, and the event information may include information on event performances such as a discount event or payment of a gift item at the franchisee Lt; / RTI > Here, the flat information, the event information, and the like may be scrapped by the scrap unit 120 in a financial company server or scrapped from a separately registered merchant server or the like.

In addition, the user terminal 100 according to an embodiment of the present invention may provide the user's automatic transfer setting details periodically or at the request of the user. Since the user can set up the automatic debit for each of a plurality of transaction banks or financial institutions, it is necessary to integrally manage the details of the debit settings in order to manage the user's reasonable expenditure.

Here, when the predetermined period or date arrives, the automatic transfer is a method of automatically withdrawing a predetermined amount or a settled amount or a fee based on the commitment, automatically transferring it to the account of the receiver, or automatically performing a payment on the credit card . That is, the automatic transfer can be set for a financial institution account such as a bank or a credit card of a user traded by the user. Here, the user terminal 100 can set each automatic transfer setting, such as a financial account or a credit card, And the like can be derived and provided to the user.

Specifically, in order to extract the automatic transfer information such as the automatic transfer setting details set in the account, the user terminal 100 can access the financial server of each bank by a predetermined period or by a request of the user, The details of the automatic transfer setting can be scrapped, processed, and displayed to the user. In this case, the user needs to set information on each bank or financial institution to which the user terminal 100 is to be connected to the user terminal 100 in advance. However, when an account transfer method is implemented from 2016, the user terminal 100 can access a financial server and retrieve and extract the details of the automatic transfer setting for the entire account held by the user.

On the other hand, since the automatic transfer information such as the automatic transfer setting details set on the user's credit card is irrelevant to the account transfer agent, the user terminal 100 individually accesses the financial server of each credit card company and confirms the automatic transfer setting details There is a need. Here, information such as the type and number of credit cards held by the user can be extracted from the notification message received by the user terminal 100, or input directly from the user. Thereafter, the user terminal 100 can access the financial server corresponding to each credit card company, scrap the card charge details, and extract items corresponding to the automatic transfer from the scrapped credit card details. Specifically, the user terminal 100 may extract items corresponding to the automatic transfer using a specific character string or a specific field value included in the charge details. That is, the user terminal 100 can extract a credit card automatic transfer item from a plurality of financial company servers, and can provide the user with the credit card through a display unit 140 or the like.

Therefore, the user terminal 100 according to an embodiment of the present invention can extract information on automatic transfer of an account and automatic transfer of a credit card set by the user, Can be integrated.

Meanwhile, the user terminal 100 according to an exemplary embodiment of the present invention may perform a function of confirming whether or not a user's automatic transfer set in a financial card or a financial account is normally performed, and displaying the result thereof.

Specifically, the operation unit 160 can confirm the details of the automatic transfer setting set in the financial card, financial account, or the like by using the extracted automatic transfer information or the like. Thereafter, the operation unit 160 can extract the approval details of the financial card corresponding to the automatic transfer setting details and the balance change details of the financial account, and generate the actual transfer or the paid-up automatic transfer execution details. Accordingly, the operation unit 160 can generate the unauthorized withdrawal information at the time of the automatic transfer by comparing the details of the automatic transfer setting and the deferred automatic transfer execution details, and the unauthorized withdrawal information can be included in the integrated financial information. Here, the unauthorized money-out information may include information on whether or not to double-check, violate the reference date, violate the transfer amount, and the like.

First, when there are two or more automatic transfer execution details corresponding to the same automatic transfer setting details, the operation unit 160 can display the double withdrawal information in the unauthorized withdrawal information. For example, if the user sets the monthly card value to the A card company, the card value of April may be duplicated to the A card company due to the error of the network. In this case, the operation unit 160 can check that the double withdrawal has occurred by comparing the details of the automatic transfer setting and the details of the actual transfer of the automatic transfer, and can indicate that the withdrawal information corresponds to the double withdrawal.

In addition, the operation unit 160 can check whether the approval date of the financial card included in the automatic transfer execution history or the balance change date of the financial account is compared with the withdrawal date included in the automatic transfer setting history to check whether the reference date is violated. In other words, although the user set up the automatic transfer by transferring the card value to the A card company on the 24th of every month, the A card company may transfer the card value on the 23rd day. Here, the 24th day is the withdrawal date of the automatic transfer setup details set by the user, and it is a violation of the reference date that the card company transfers the card value on the 23rd day. Accordingly, the operation unit 160 can confirm that the transfer is performed before the withdrawal reference date with the A card issuer, and in this case, it can indicate that the payment date information corresponds to the reference date violation.

In addition, when the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account differs from the automatic transfer amount included in the automatic transfer setting details, the operation unit 160 transfers the unauthorized withdrawal information You can indicate that it is a money violation. For example, although the user has decided to automatically distribute the broadcasting license fee on the B cable broadcasting monthly by KRW 40,000, it may happen that the KRW 50,000 is transferred in April. In this case, since the calculation unit 160 is different from the 50,000 won balance amount of the financial account of its own account and the automatic transfer amount of 40,000 won included in the automatic transfer setting details, the calculation unit 160 can indicate that the transfer money amount is in violation have.

Meanwhile, according to the embodiment, the operation unit 160 may analyze the parsing information and the scrap information for a certain period of time, extract the fixed expenditure period that the user periodically pays, It is also possible to generate withdrawal information. Specifically, the calculation unit 160 can use the parsing information and the scrap information to confirm the approval history of the financial card for a predetermined analysis period, for example, three months, and the balance change history of the financial account held by the user. Thereafter, the operation unit 160 can extract items that are the same amount or settlement in the same financial card or financial account for the same period, among the approval details of the financial card and the balance changes of the financial account, Can be set as a fixed expenditure breakdown. Here, according to the embodiment, it is also possible to set the item selected by the user as the fixed expenditure breakdown among the approval details of the financial card and the balance fluctuation details of the financial account held by the user.

Thereafter, the arithmetic unit 160 can check the approval details of the financial card and the balance change history of the financial account by using the scrap information and the parsing information, and further, from the approval details of the confirmed financial card and the balance change details of the financial account, The automatic transfer execution history corresponding to the fixed expenditure breakdown can be extracted.

Here, the operation unit 160 may generate the integrated financial information including the unauthorized withdrawal information for the fixed expenditure by comparing the automatic transfer execution details and the fixed expenditure details. As described above, the illegitimate withdrawal information may include information on double withdrawal, violation of the reference date, violation of the transfer amount, and the like. That is, if there are two or more automatic transfer execution details corresponding to the same fixed expenditure breakdown in the fixed expenditure breakdown, the double withdrawal can be displayed in the unfixed withdrawal information, and the date of approval of the financial card included in the automatic transfer execution history If the balance change date of the financial account is the transfer date of the withdrawal date of the fixed expenditure breakdown, the illegal withdrawal information may indicate a violation of the reference date. If the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account is different from the transfer amount or the settlement amount of the fixed expenditure breakdown, the transfer amount amount violation is displayed on the unjust money withdrawal information .

FIG. 8 is a flowchart illustrating an integrated financial information providing method according to an embodiment of the present invention.

8, the integrated financial information providing method according to an exemplary embodiment of the present invention includes a message receiving step S100, a parsing step S200, a scrapping step S300, a calculating step S400, and a displaying step S500. . &Lt; / RTI >

Hereinafter, an integrated financial information providing method according to an embodiment of the present invention will be described with reference to FIG.

In the message reception step S100, the user terminal can receive the notification message including the usage history of the financial card. Here, the notification message may be a text message (SMS, MMS) or an instant message transmitted from a card issuer or the like, and may include information on a usage history of a financial card used by a user. However, it is necessary to check which of the plurality of received text messages corresponds to the notification message. Here, a method of checking the calling number of the notification message can be used. That is, in the message receiving step S100, the calling number of the notification message can be compared with the calling number of the card issuing company that issued the financial card. If the received text message matches the calling number of the card issuing company, As shown in Fig. At this time, the calling number of the card issuer may be stored in advance in the storage unit of the user terminal, and the calling number of the stored card issuer may be directly stored by the user or received from a separate server.

In the parsing step (S200), the user terminal can extract the usage history included in the notification message by parsing the notification message, and generate the parsing information using the extracted usage history. Specifically, in the parsing step (S200), the text included in the notification message can be distinguished into a plurality of items according to a predetermined rule, and a character string corresponding to the separated item can be extracted as the parsing information have. Herein, it is assumed that the information such as the calling number, the name of the financial card, the card issuer, the card number, the user name, the usage amount, the installment period, the usage franchise point, the use date, It can be extracted as parsing information. The detailed parsing method and the like have been described with reference to FIG. 3, and a detailed description thereof will be omitted here.

In the scrapping step (S300), the user terminal accesses the financial company server corresponding to the usage history, scrapes predetermined financial information from the financial company server, and generates scrap information using the scrapped financial information . In the scrapping step (S300), the card issuer of the financial card or the settlement bank of the financial card can be identified from the parsing information by extracting the parsing information of the card issuer or the like through the parsing step (S200) It can access the financial company server. Here, the URL of the card issuer or the settlement bank may be included in the parsing information or may be stored in advance in a storage unit or the like in the user terminal. Therefore, in the scrapping step (S300), it is possible to access the financial company server by utilizing the URL or the like.

Thereafter, in the scrapping step (S300), the user can access the financial company server using wired / wireless communication supported by the user terminal, and scrap financial information of the user provided by the financial company server. Here, since the financial information of the user may be protected by personal information, the scrap step S300 may log-in to the financial company server using the user's access information previously stored by the user. The user's access information may be a user ID (ID), a password (PW), etc. set by the user in the financial company server, and in some cases, an authorized certificate password and the like may be included. In the scrapping step (S300), the user can extract financial information of a user provided from the financial company server using a web scrapping technique, and can select predetermined financial information from a plurality of financial information provided by the financial company server . Specifically, detailed information such as the name, address, and phone number of the using merchant using the financial card, the amount to be paid, the amount of money to be used, the balance of the settlement account, and approval cancellation information are scrapped from the financial company server and generated as scrap information .

On the other hand, according to the embodiment, it is possible to connect to a plurality of financial company servers in the scrapping step (S300), and scrap the user's financial information from each financial company server. That is, scrap information can be generated by simultaneously extracting financial information for each of a plurality of financial cards used by a user.

In addition, in the scrapping step (S300), information on the automatic transfer setting details of the user can be scrapped from the financial company server. The direct debit may be set for a financial institution account such as a bank that the user trades with or a user's credit card.

Specifically, in order to extract the automatic transfer information such as the details of the automatic transfer setting set in the account, the user terminal accesses a financial server such as a bank by a predetermined period or at the request of the user, Can be scrapped. In this case, the user needs to set information on each bank or financial institution to which the user terminal is to be connected in advance. However, when the account transfer is started from 2016, the user accesses one financial server, It is possible to retrieve and extract transfer settings.

On the other hand, in the case of the automatic transfer information such as the automatic transfer setting details set on the user's credit card or the like, it is independent of the account transfer agent, and thus the user terminal needs to individually access each credit card company and confirm the automatic transfer setting details. Here, the user terminal can acquire information on the type and the number of the credit card held by the user from the received notification message, and in some embodiments, information such as the type and number of the credit card held directly by the user . Then, the user terminal can access the financial server corresponding to each credit card company, scrap the card charge details, etc., and extract items corresponding to the automatic transfer from the scrapped card charge details. At this time, the user terminal can extract items corresponding to the automatic transfer by using a specific character string or a specific field value included in the charge details.

In the calculation step (S400), the user terminal can generate the integrated financial information using the parsing information and the scrap information. Specifically, in the calculation step (S400), the amount of money to be used, the used amount of money, the balance of the settlement account, the approval canceling information, the automatic transfer setting details included in the scrap information, the usage amount of the user included in the parsing information, And the use date of the integrated financial information. Here, in the calculation step (S400), it is also possible to generate new integrated financial information by processing the parsing information and the scrap information.

For example, if the revocation history of the financial card is included in the parsing information, the revocation information is further included to generate integrated financial information, scrap information of a financial server corresponding to a payment account of the financial card is confirmed, It is possible to update the cancellation confirmation information. That is, it is possible to check whether the balance of the settlement account balance is fluctuated in the amount corresponding to the use cancellation history in the scrap information, and change the state of the cancellation confirmation information according to whether the balance account balance is changed or not. First, the status of the cancellation confirmation information can be set to the deposit unconfirmed, and the scrap information can be checked at predetermined intervals to check whether the balance of the settlement account has changed. Thereafter, when the change in the account balance of the amount corresponding to the use cancellation history is detected, the cancellation confirmation information can be changed from the deposit unconfirmed state to the deposit confirmation state. If the account balance change of the amount corresponding to the use cancellation history is not detected in the scrap information, the cancellation confirmation information may be kept unconfirmed and the amount corresponding to the cancellation amount may be set as the cancellation amount. It is also possible that the amount corresponding to the unsettled state of payment is indicated by the amount of money to be deposited or the like and is provided to the user.

In addition, in the calculation step (S400), expenditure target information is generated by adding up the estimated expenditure amount from the use amount and the cancel history of the parsing information, comparing the estimated expenditure amount with the predetermined expenditure target amount, The integrated financial information including any one of the total automatic transfer amount, the automatic transfer completion amount, and the automatic transfer scheduled amount for a preset period can be generated using the extracted automatic transfer setting details and the account details of the settlement account balance. It is also possible to generate integrated financial information including the fee information obtained by summing the amounts spent as interest or fee using the parsing information and scrap information.

Here, according to the embodiment, the integrated financial information is generated so that the automatic transfer setting details set in the financial card and the automatic transfer setting details set in the financial account are separately output from the scrap information, It is possible to generate integrated financial information for output. In the calculation step (S400), the approval details of the financial card and the balance change history of the financial account which occurred on the previous day can be confirmed by using the scrap information and the parsing information, and the approval details and balance change details are summed up You can calculate the previous day's expenditure breakdown. Also, by using the scrap information and the parsing information, it is possible to extract the automatic transfer setting details to be settled in the financial card or the financial account today (today), and the automatic payment setting details are added up to calculate the current expenditure schedule It is also possible to do. According to the embodiment, it is also possible to generate and provide the previous day's expenditure history and today's day's expenditure schedule at a time set by the user.

On the other hand, according to the embodiment, in the calculation step (S400), it is also possible to distinguish the current expenditure schedule by the expenditure completion confirmation and the expenditure completion unconfirmed depending on whether the expenditure has been completed or not. That is, if the approval details of the financial card extracted from the parsing information include contents corresponding to the automatic transfer setting details, the automatic transfer set in the financial card can be distinguished by the expenditure completion confirmation. Likewise, if there is a content corresponding to a predetermined automatic transfer setting in the financial account by checking the balance change history of the financial account, the automatic transfer set in the financial account can be distinguished as the expenditure completion confirmation.

In addition, the user can calculate the remaining limit amount by subtracting the planned payment amount from the used amount included in the financial information, and the calculated remaining limit amount can be included in the integrated financial information.

In the operation step S400, the process of comparing the parsing information and the scrap information, and the step of adding suspicious transaction information to the integrated financial information when there is an inconsistent item among the parsing information and the scrap information, . Specifically, when there is an inconsistent item among the parsing information included in the received notification message and the scrap information scraped from the financial company server, it can be considered that there is a problem in settlement of the financial card. Therefore, in the operation step (S400), suspicious transaction information may be added to the integrated financial information to inform the user that the suspicious transaction corresponds to the suspicious transaction. For example, in the case where the user uses the financial card at the merchant A, in the case where the used merchant is displayed as A in the parsing information but the merchant is displayed as B in the scrap information, it corresponds to a suspicious transaction The suspicious transaction information can be added. In addition, the integrated financial information can be generated including the suspicious transaction information even when the address or the address of the using merchant is different.

Meanwhile, depending on the embodiment, there may be a case where the integrated financial information is generated using the location information provided by the user terminal in the calculation step (S400). For example, the operation step (S400) may include a step of comparing the address of the using merchant included in the parsing information with the position information measured by the user terminal when using the financial card, And adding the unauthorized use information to the integrated financial information if the measured location information does not match. Specifically, after acquiring the location information of the user terminal at the time when the user terminal receives the notification message, the location information may be compared with the address of the using agent included in the parsing information. Here, the location information may be the GPS coordinates of the user terminal acquired using the GPS, and the like. If the location of the user terminal carried by the user and the distance between the use merchant point where the financial card is used is more than a predetermined distance, there is a high possibility that the illegal stolen or duplicated financial card is used by another person . Accordingly, in the operation step (S400), if the location information of the user terminal does not match the address of the using merchant, the integrated financial information including the fraudulent use information may be generated to inform the user of the possibility of illegal use.

However, when a user uses a financial card while purchasing goods or services using an online store or the like, the address of the using merchant and the location information of the user terminal may be different. In this case also, in order to prevent the generation of the integrated financial information including the fraud information, the calculation step (S400) compares the address of the using merchant with the predetermined online shop address list before generating the fraudulent use information And adding online usage information to the integrated financial information if the address of the using merchant is included in the online store address list. That is, when the address of the using merchant is included in the online store address list, the unauthorized use information may not be included in the integrated financial information, and instead, online usage information may be added to the integrated financial information, Can be indicated by the use of the financial card.

In the display step S500, the user terminal can display the generated integrated financial information to the user. The user terminal may include a display unit for visually outputting images, moving pictures, texts, etc. using an LCD, an LED, and the displaying step S500 may visually display integrated financial information or the like to the user through the display unit have. For example, as shown in FIG. 4, in step S500, the integrated financial information may be displayed to the user. In some embodiments, the integrated financial information may be displayed in the form of a pop-up window or a banner. It is also possible to display.

In the display step S500, as shown in FIG. 6, based on the location information of the using merchant point included in the parsing information, the location of the using merchant store and the integrated financial information at the using merchant store can be displayed have. In other words, after the user displays the using merchant using the financial card on the map, the usage history of the financial card used by the user can be summarized and displayed at a position corresponding to the using merchant store on the map. Furthermore, it is possible to display, on a map including a route, the use history of the financial card used by the user at each merchant for a certain period of time.

On the other hand, in the display step S500, reputation information or event information for each merchant included in the scrap information may be displayed based on the location information of the merchant. Herein, the reputation information may be a reputation score or an evaluation opinion calculated by the customer using the franchisee, administrative disposition information for the franchisee, and the like, and the event information may include information on performance of events such as a discount event, Information. Here, the reputation information, event information, and the like may be scrapped from the financial company server in the scrapping step (S300) or scrapped from the merchant server or the like registered separately.

In addition, according to the integrated financial information providing method according to an embodiment of the present invention, it is possible to check whether or not the automatic transfer set in the financial card or the financial account is normally performed and display the result thereof.

Specifically, in the calculation step (S400), the automatic transfer setting details set in the financial card, the financial account, or the like can be confirmed using the extracted direct debit information and the like. Thereafter, in the calculation step (S400), the approval details of the financial card corresponding to the above-mentioned automatic transfer setting details and the balance change details of the financial account can be extracted, and the actual transfer or the paid-up automatic transfer execution details can be generated. Therefore, in the calculation step (S400), it is possible to generate the unauthorized withdrawal information at the time of the automatic transfer by comparing the details of the automatic transfer setting and the deferred automatic transfer execution details, and the unauthorized withdrawal information can be included in the integrated financial information. Here, the unauthorized money-out information may include information on whether or not to double-check, violate the reference date, violate the transfer amount, and the like.

That is, in the calculation step (S400), if there are two or more automatic transfer execution details corresponding to the same automatic transfer setting details, it indicates that the dual withdrawal is made in the unauthorized withdrawal information and the approval date of the financial card included in the automatic transfer execution details or the financial account In the case where the balance change date is transferred before the withdrawal date included in the automatic transfer setting history, it may indicate that the illegal withdrawal information corresponds to the reference date violation. If the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account is different from the automatic transfer amount included in the automatic transfer setting details, it indicates that the transfer money amount is violated in the unauthorized withdrawal information .

Since the integrated financial information including the unauthorized withdrawal information is displayed to the user in the displaying step S500, whether or not the automatic transfer set to the user is double-paid, whether or not the withdrawal has been made before the withdrawal date, Whether it has been withdrawn or not.

Meanwhile, according to the embodiment, it is possible to analyze the parsing information and the scrap information for a predetermined period in the calculation step (S400), and to extract the fixed expenditure that the user periodically pays. In this case, The unauthorized withdrawal information can be generated on the basis of this information. Specifically, in the calculation step (S400), the approval details of the financial card for a predetermined analysis period, for example, three months, and the balance change history of the financial account held by the user can be confirmed using the parsing information and the scrap information . In the calculation step S400, the same financial card or financial account can be used to extract items for which the same amount is paid or transferred, from among the approval details of the approved financial card and the remaining balance changes of the financial account, The extracted items can be set as the fixed expenditure breakdown. Here, according to the embodiment, it is also possible to set the items selected by the user as the fixed expenditure history, among the approval details of the financial card and the balance changes of the financial account held by the user.

Thereafter, in the calculation step (S400), it is possible to confirm the approval details of the financial card and the balance change history of the financial account by using the scrap information and the parsing information, and from the approval details of the approved financial card and the balance history of the financial account It is possible to extract the automatic transfer execution history corresponding to the fixed expenditure breakdown.

Here, in the calculation step (S400), it is possible to generate the integrated financial information including the unfixed-payment information for the fixed expenditure breakdown by comparing the automatic transfer execution breakdown and the fixed expenditure breakdown. As described above, the illegitimate withdrawal information may include information on double withdrawal, violation of the reference date, violation of the transfer amount, and the like. That is, if there are two or more automatic transfer execution details corresponding to the same fixed expenditure breakdown in the fixed expenditure breakdown, the double withdrawal can be displayed in the unfixed withdrawal information, and the date of approval of the financial card included in the automatic transfer execution history If the balance change date of the financial account is the transfer date of the withdrawal date of the fixed expenditure breakdown, the illegal withdrawal information may indicate a violation of the reference date. If the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account is different from the transfer amount or the settlement amount of the fixed expenditure breakdown, the transfer amount amount violation is displayed on the unjust money withdrawal information .

The present invention is not limited to the above-described embodiments and the accompanying drawings. It will be apparent to those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

1: Merchant 2: Card issuer
3: financial company server 100: user terminal
110: parser 120: scrap
130: Operation unit 140:
S100: Receive message step S200: Parsing step
S300: scrap step S400: operation step
S500: Display step

Claims

A parser for parsing the received notification message, extracting a usage history of the financial card from the notification message, and generating parsing information including the extracted usage history;
A scrap unit connected to a financial company server corresponding to the usage history, scrapping predetermined financial information from the financial company server, and generating scrap information using the scrapped financial information; And
And an operation unit for generating integrated financial information using the parsing information and scrap information.

The system of claim 1, wherein the financial card
A user terminal comprising any one of a credit card, a check card, a debit card, and a prepaid card.

The apparatus of claim 1, wherein the parsing unit
And compares the calling number of the notification message with the calling number of the card issuing company that issued the financial card to determine whether the received text message corresponds to the notification message.

The apparatus of claim 1, wherein the parsing unit
Wherein the user terminal distinguishes the text included in the notification message by a plurality of items according to a predetermined rule and extracts a character string corresponding to the distinguished item as the parsing information.

5. The apparatus of claim 4, wherein the parsing unit
The date of receipt of the notification message included in the notification message, the name of the financial card, the card issuer, the card number, the user name, the usage amount, the installment period, the cancellation history, And extracts at least one of the at least one of the first and second information as the parsing information.

The apparatus of claim 1, wherein the parsing unit
Wherein the parser performs the parsing each time the notification message is received or whenever a predetermined period arrives.

The apparatus of claim 1, wherein the scrap portion
Extracts a card issuer of the financial card or a settlement bank of the financial card from the parsing information, and accesses the financial issuer server corresponding to the extracted card issuer or the settlement bank.

The apparatus of claim 1, wherein the scrap portion
Log-in to the financial company server using the user's access information, and scrapping the financial information of the user provided by the financial company server to generate the scrap information.

The apparatus of claim 1, wherein the scrap portion
A user terminal scrapping predetermined financial information from financial information of a user provided from the financial company server using a web scrapping technique.

The apparatus of claim 1, wherein the scrap portion
And scrapes at least any one of the details of the using merchant using the financial card, the amount to be paid, the amount of money to be used, the balance of the settlement account, and the details of the automatic transfer setting from the financial company server.

The apparatus of claim 1, wherein the scrap portion
And scrapping the automatic transfer setting details set in the financial card or the financial account held by the user, and generating the scrap information including the automatic transfer setting details.

12. The image processing apparatus according to claim 11,
And generates aggregate financial information by summing up the respective automatic transfer setting details set in the financial card or financial account from the scrap information.

12. The image processing apparatus according to claim 11,
The credit history of the financial card and the balance change of the financial account that occurred on the previous day on the previous day using the scrap information and the parsing information and adds the approval details and the balance change details, A user terminal for generating financial information.

12. The image processing apparatus according to claim 11,
Extracting the automatic transfer setting details to be settled in the financial card or the financial account on today's day using the scrap information and the parsing information, adding up the automatic transfer setting details, Lt; / RTI >

15. The apparatus of claim 14, wherein the calculating unit
The user terminal that distinguishes the current expenditure schedule as the expenditure completion confirmation and the expenditure completion unconfirmed according to the completion of the expenditure.

The apparatus as claimed in claim 15, wherein the calculating unit
Wherein the checking unit confirms the approval details of the financial card extracted from the parsing information and the balance changes of the financial account extracted from the scrap information to distinguish the expenditure completion confirmation and the expenditure completion unconfirmed.

12. The image processing apparatus according to claim 11,
Today's expenses include the previous day's expenditures including the approval of financial cards and financial accounts that occurred on the previous day or the details of balance changes, and the current day's expenses including the details of the automatic transfer settings to be paid from a financial card or financial account on today's day. And outputs the integrated financial information including the previous-day expenditure breakdown and the current-day expenditure breakdown at a time set by the user.

2. The apparatus of claim 1,
Checking the approval details of the financial card for a predetermined analysis period and the remaining balance changes of the financial account held by the user using the parsing information and the scrap information and checking the approval details of the financial card and the balance changes of the financial account , The same financial card or financial account that sets up the same amount of payments or transfers for the same period as fixed expenses.

19. The apparatus according to claim 18, wherein the calculating unit
Checking the approval details of the financial card and the remaining balance changes of the financial account by using the scrap information and the parsing information and checking the balance details of the financial card based on the approval details of the approved financial card and the balance changes of the financial account, A user terminal that extracts execution history.

20. The apparatus according to claim 19, wherein the calculating unit
And compares the automatic transfer execution history with the fixed expenditure history to generate integrated financial information including unauthorized withdrawal information for the fixed expenditure history.

21. The apparatus of claim 20, wherein the calculating unit
And a double withdrawal is displayed in the unfixed withdrawal information if there are two or more automatic transfer execution details corresponding to the same fixed expenditure history among the fixed expenditure details.

21. The apparatus of claim 20, wherein the calculating unit
And displays a date violation on the unauthorized money-out information if the approval date of the financial card included in the automatic transfer execution history or the balance change date of the financial account is before the withdrawal date of the fixed expenditure history.

21. The apparatus of claim 20, wherein the calculating unit
If the approved amount of the financial card included in the automatic transfer execution history or the balance change amount of the financial account differs from the transfer amount or the settlement amount of the fixed expenditure breakdown, .

19. The apparatus according to claim 18, wherein the calculating unit
And sets the item selected by the user as the fixed expenditure history from among the approval details of the financial card and the balance changes of the financial account held by the user.

11. The method of claim 10,
And at least one of a name, an address, and a telephone number of the using merchant.

The apparatus of claim 1, wherein the scrap portion
A user terminal connected to a plurality of financial company servers and scrapping financial information of users from respective financial company servers.

2. The apparatus of claim 1,
Wherein the financial card further includes canceling confirmation information if the parsing information includes the cancellation history of the financial card.

28. The apparatus according to claim 27,
And confirms scrap information of a financial server corresponding to a payment account of the financial card, and updates the cancel confirmation information.

29. The apparatus according to claim 28, wherein the calculating unit
And changes the withdrawal confirmation information from the deposit unconfirmed state to the deposit confirmation state when the account balance change of the amount corresponding to the use cancellation history is detected in the scrap information.

29. The apparatus according to claim 28, wherein the calculating unit
Wherein if the account balance change of the amount corresponding to the use cancellation history is not detected in the scrap information, the user terminal holds the cancellation confirmation information in the deposit unconfirmed state and sets the amount corresponding to the cancellation amount as the cancellation amount.

2. The apparatus of claim 1,
A sum of expenditure estimated amounts from use amount and cancellation details of the parsing information, and compares the estimated expenditure amount with a predetermined expenditure target amount to generate expenditure target information.

2. The apparatus of claim 1,
Generating integrated financial information including any one of the total automatic transfer setting amount, the automatic transfer financing amount, and the automatic transfer financing amount for a predetermined period using the automatic transfer setting details extracted from the scrap information and the details of the settlement account balance change Lt; / RTI >

2. The apparatus of claim 1,
Wherein the user terminal generates integrated financial information including fee information obtained by summing amounts spent as interest or fees using the parsing information and scrap information.

2. The apparatus of claim 1,
A billing amount, a billing account balance, an automatic transfer setting history and authorization cancellation information included in the scrap information, at least one of a usage amount, a payment term, and a use date of the user included in the parsing information Thereby generating the integrated financial information.

35. The apparatus of claim 34, wherein the arithmetic unit
And a remaining limit amount generated by subtracting the scheduled payment amount from the used amount of money, thereby generating the integrated financial information.

2. The apparatus of claim 1,
And adding suspicious transaction information to the integrated financial information when there is an inconsistent item after comparing the parsing information and the scrap information.

2. The apparatus of claim 1,
If the address of the using merchant and the position information measured by the user terminal do not match after comparing the address of the using merchant point included in the parsing information with the position information measured by the user terminal when using the financial card, A user terminal that adds fraudulent information to information.

The apparatus of claim 37, wherein the arithmetic unit
And compares the address of the using merchant with a preset online store address list and adds the online usage information to the integrated financial information when the address of the using merchant store is included in the online store address list.

The method according to claim 1,
And a display unit for displaying the generated integrated financial information to a user.

40. The apparatus of claim 39, wherein the display unit
A user terminal displaying the integrated financial information to a user using a pop-up window or a banner.

40. The apparatus of claim 39, wherein the display unit
Wherein the user terminal displays the location of the using merchant store and the integrated financial information at the using merchant store based on the location information of the using merchant store included in the parsing information.

40. The apparatus of claim 39, wherein the display unit
And displays the reputation information for each of the merchant included in the scrap information on the basis of the location information of the merchant.

43. The method of claim 42,
A reputation score or an evaluation opinion calculated by a customer using the franchisee, and administrative disposition information for the franchisee.

40. The apparatus of claim 39, wherein the display unit
And displays event information of each merchant included in the scrap information on the basis of the location information of the merchant.

A parser for parsing the received notification message to extract the financial transaction details of the user included in the notification message and generating parsing information including the extracted financial transaction details;
A scrap unit for accessing a financial service server corresponding to the financial transaction details, scrapping financial information provided by the financial service server, and generating scrap information using the scrapped financial information; And
And an operation unit for generating integrated usage information using the parsing information and scrap information.

A user terminal, comprising: a message receiving step of receiving a notification message including a usage history of a financial card;
A parsing step of the user terminal parsing the notification message to extract a usage history included in the notification message and generating parsing information;
A scrap step of accessing a financial service server corresponding to the usage history, scraping predetermined financial information from the financial service server, and generating scrap information using the scrapped financial information; And
Wherein the user terminal generates the integrated financial information using the parsing information and the scrap information.