KR20180066657A - Smart device implementing personal economic life management application for tracking consuming route of user by using position of off-line store - Google Patents

Abstract

According to the present invention, disclosed are a personal economic life management apparatus including an apparatus for receiving, storing, and managing data related to an individual economic life and a server connected thereto and a method thereof. According to the present invention, the server stores data related to a plurality of economic life. So, one can generate data that can be compared with one′s own economic activity, thereby allowing individuals to compare their own economic activities with economic activities of others.

Description

TECHNICAL FIELD [0001] The present invention relates to an SMART DEVICE for managing an expenditure circulation line of a user by using location information of an offline store where settlement is executed, and an SMART DEVICE IMPLEMENTING PERSONAL ECONOMIC LIFE MANAGEMENT APPLICATION FOR TRACKING CONSUMING ROUTE OF USER POSITION OF OFF-LINE STORE }

This specification relates to a smart terminal equipped with an economic life management application.

Recently, with the development of electronic communication technology, online financial activities such as electronic commerce and internet banking are being actively developed. As one of these online financial activities, individuals easily manage their household accounts written on paper on a computer. Recently, with the development of portable devices such as a smart phone, whenever a user spends money or income, he or she directly enters a portable device and manages an individual's economic life more easily.

As a related art related to this, Korean Patent Laid-Open Publication No. 10-2002-0061694 discloses " household account service using a communication network ". The prior art receives the data to be input to the household part such as the expenditure place, the expenditure time, and the expenditure amount through the communication network and automatically inputs it to the household part. In other words, it provides a service that helps people to input things that an existing person has to input.

However, such a conventional household account service simply provides services for inputting and sorting events such as import / expense, and thus does not have utility other than the convenience of moving the offline household account book online.

Korean Patent Publication No. 10-2002-0061694

Disclosure of Invention Technical Problem [8] The present invention has been made in recognition of the above-described prior art, and provides an expenditure circulation line for tracking a user's movement line around a settlement activity by connecting location information of an offline store where settlement is executed. The expenditure line can intuitively grasp the day-to-day user's economic activity, thus helping the user to organize daily economic activities.

In particular, the present invention provides a convenient user interface that allows a user to create a diary based on an economic activity while showing a summary of economic activity during a day through expendable circulation, so that a user can easily turn his / It gives practical help to make it visible. Incidentally, it can contribute to increase the connection frequency and connection time of the economic life management application provided by the present invention.

According to an aspect of the present invention, there is provided a smart terminal equipped with an economic life management application for tracking a user's expenditure line using location information of an offline store where settlement is executed, A settlement information extracting unit for extracting location information of an offline store in which a purchase operation is executed, a settlement location extracting unit extracting location information of a plurality of offline stores, A map display unit for determining a region and a scale, extracting and displaying a map corresponding to the scale, and a display unit for displaying the positions of a plurality of offline stores on the map, connecting the plurality of offline stores in order of payment time, And an outgoing line tracking unit for indicating the outgoing line,

The settlement information receiver may extract the settlement information from the settlement letter transmitted from the financial server that approved the settlement, manually receive the settlement information from the input means of the smart terminal, or receive the settlement information from the receipt image of the receipt .

A preferred embodiment of the present invention includes an image extracting unit for extracting an image photographed in the image information storing unit of the smart terminal or an image database of another server connected to the Internet, And an image display unit for displaying the image on the display unit.

In a preferred embodiment of the present invention, the payment information receiving unit may extract the payment information from the payment letter transmitted from the financial server that approved the payment, or receive the payment information manually from the input means of the smart terminal.

According to the present invention, the user can intuitively grasp the economic activity performed during the day through the expenditure line provided by the present invention. Therefore, the present invention can help the user to organize the day by looking back on the daily economic activity. In particular, the present invention provides a convenient user interface that allows a user to create a diary based on an economic activity while showing a summary of economic activity during a day through expendable circulation, so that a user can easily turn his / It gives practical help to make it visible. Incidentally, it can contribute to increase the connection frequency and connection time of the economic life management application provided by the present invention.

1 is a block diagram schematically illustrating a relationship between an economic life management apparatus, an economic life management data server, and an economic life management data comparison system including the same, according to the present invention.
2 is a block diagram schematically showing a preferred embodiment of the economic life management system of the present invention.
3 is a diagram illustrating a preferred embodiment of an interface for providing expenditure circulation lines and diaries in an application of the present invention.
4 is a diagram illustrating a preferred embodiment of an interface for providing comparison data in an application of the present invention.
5 is a device configuration diagram of a smart terminal according to an embodiment of the present invention.
Figures 6-8 illustrate examples of entering data related to economic life in accordance with one embodiment of the present disclosure.
9 to 12 are diagrams for explaining management of economic life data according to the present specification.
Figures 13 to 15 are illustrations of asset management in accordance with the present disclosure.
16 is an illustration of financial target management in accordance with the present disclosure.

The life management device refers to a computing device having an economic life management application (or software) installed therein. The computing device used by the user includes a personal computer and a smart terminal capable of mobile communication. Smart terminals include smart phones, smart pads, wearable devices, and tablet PCs. Hereinafter, the economic life management apparatus will be described as an example of a smart terminal of a user, but is not limited thereto.

1 is a block diagram schematically illustrating the relationship between an economic life management device, an economic life management data server, and an economic life management system including the same, according to the present invention.

The economic life management system 10 according to the present specification may include an economic life management system 100 (hereinafter referred to as a 'management device') and an economic life management data server 300 (hereinafter, 'data server'). The economic life management system 100 and the data server 300 may be connected to each other so that data can be exchanged through the communication network 200. The communication network may consist of a wired and / or wireless communication network and means any communication technology applicable at the time of the application of the present application, and a communication network composed of communication technologies that can be readily used by those skilled in the art even after the present invention is filed. Therefore, the detailed description of the communication network will be omitted. In addition, the system 10 may include a plurality of management apparatuses 100, and the number of the management apparatuses 100 is not limited.

The system 10 according to the present invention will now be briefly described. The management apparatus 100 is a so-called 'economic life management application', preferably a 'household part application'. The user of the management apparatus 100 inputs data on his own income or expenditure. Of course, the application can automatically receive data by using the payment text message received by the management apparatus 100. [ The data server 300 receives data on import and export from a plurality of management apparatuses 100 via the communication network 200 and stores the received data. When there is a request from the specific management apparatus 100, the data received from the plurality of management apparatuses 100 may be processed to generate statistical data, and the generated statistical data may be provided to the management apparatus 100.

For example, suppose that a user enters 'an annual salary of 50 million won' as data on his or her management device, and 'monthly automobile payment of 600 thousand won' as specific item data on expenditure. Let's also assume that the other user has also entered expenditure data for his income and automobile items. The data server may store a plurality of data on salaries and automobile payments. At this time, the data server can generate statistical data on the automobile payment according to the salary, and can provide the management server with the statistical data. The management device can generate comparison data using the comparison data and its own automobile payment data, and display the comparison data to a user. This allows the user to determine how much he or she is paying for a similar salary and how much money he or she is spending is a reasonable amount. A brief description of the system 10 is provided for an easier understanding of the management device 100 and the data server 300, which will be described below. Hereinafter, the management apparatus 100 and the data server 300 will be described in detail.

2 is a block diagram schematically showing a preferred embodiment of the economic life management system of the present invention.

2, the SMART terminal 100 of the present invention includes a payment information receiving unit 101, a payment position extracting unit 102, an image extracting unit 103, an image displaying unit 104 A map display unit 105, an expendable line tracking unit 106, an economical living diary unit 107, and a household provision unit 108.

The payment information receiving unit 101 receives payment information for a purchase action executed in the offline store. In a preferred embodiment, the settlement information receiving unit 101 can extract the settlement information from the settlement character transmitted by the financial server that has approved the settlement. For example, the settlement information receiving unit 101 may analyze the corresponding settlement character and extract information such as the name of the offline store, the settlement amount, and the settlement time included in the settlement character. In another embodiment, the settlement information receiving unit 101 can receive the settlement information manually from the input means of the smart terminal. For example, when the cash settlement is performed, the settlement information receiving unit 101 can directly input information such as the place where the settlement is performed, the settlement amount, the settlement time, and the like. The input means used for the input may include a touch pad and a touch fan of the smart terminal. In another embodiment, the payment information may be extracted by reading characters from the receipt image of the receipt received at the off-line store.

The settlement location extracting unit 102 extracts the location information of the offline store where the purchase operation is executed. In a preferred embodiment, the settlement location extraction unit 102 can extract the location information of the offline store from the settlement information. For example, the location information of the offline store may be directly extracted from the received payment characters, or the location information may be retrieved by searching the web address corresponding to the mutual store. In another embodiment, the settlement location extracting unit 102 can extract location information of the point where settlement is executed from the GPS module of the smart terminal. For example, when payment is made for cash, since the payment character is not received, the location information of the offline store is extracted from the GPS module of the smart terminal. In another embodiment, the location information of the store extracted through character reading in the receipt image may be used, or the location information may be retrieved by searching for an address corresponding to the mutual store name. In another embodiment, the information about the shooting location stored in the receipt image may be identified as the location of the offline store.

The image extracting unit 103 extracts an image photographed from the location information from an image storage unit of a smart terminal or an image database of another server connected to the Internet. With the spread of smart terminals, it has become common for users to take pictures at places where payment transactions occur. For example, you can take a photo of a food in a restaurant, or take a picture of a clothes in a clothing store. The image extracting unit 103 compares the location information of the store where settlement is made with the location information of the photographing place included in the photograph, and extracts the image photographed at the settlement place. If an image photographed at a settlement place is not present in the smart terminal of the user, an image photographed by another person can be extracted from the image database on the web and replaced.

The image display unit 104 displays the extracted image on the location of the offline store of the map. The size of the image is adjusted according to the scale of the map and the number of settlement places. Details will be described again with reference to Fig.

The map display unit 105 determines an area and a scale of the map so that the locations of the plurality of offline stores where payment has been executed can be mapped, and extracts and displays the map corresponding to the scale. This will also be described later in detail with reference to FIG.

The expendable copper line tracking unit 106 displays the locations of the plurality of offline stores on the map and displays the expenditure copper lines by connecting the plurality of offline stores in the order of settlement time. In a preferred embodiment, the expendable copper line tracking unit 106 may track the expenditure copper line for the settlement activity that occurred during the day.

The economic life diary unit 107 displays an expenditure circulation line for billing information executed on a map for a day, and provides an interface for creating a diary relating to the indicated expenditure circulation line. The interface can provide notepad and editing functions.

The household provisioning unit 108 analyzes the payment information of the user and displays statistical data on the consumption pattern of the user.

3 is a diagram illustrating a preferred embodiment of an interface for providing expenditure circulation lines and diaries in an application of the present invention.

As can be seen from FIG. 3, the present invention provides a diary function that displays expenditure circulation lines connecting places where the user was economically active for a day in a chronological order, and records the minutes of daily economic activities.

For example, in the application screen 20, a first economic diary 30 and a second economic diary 40 are displayed. For example, the first economic diary (30) shows expenditure circulation and diary on economic activity on Saturday, November 14, and the second economic diary (40) shows expenditure on economic activity on Sunday, November 15 Copper lines and diaries are displayed.

In a preferred embodiment, the first economic diary 30 may include a map 31, an expense line 32, a photo 33, an expense history 34, a diary 35, and an editing tool 36.

The map 31 is displayed on a scale that can include the settlement position based on the location information of the settlement action. The expenditure line 32 links the location of the in-store where the expenditure occurred, in chronological order, and tracks the user's line of travel as a center of economic activity. The photograph 33 displays a photograph taken at a position matched with the location information of the offline store. The expense history 34 is a detailed indication of the payment information. Payment place, settlement time, payment amount, etc. may be displayed. The diary 35 is an area for recording a user's personal history of the events during the day. Since the expenditure line is displayed, the user can record his or her subordination centered on daily economic activities. It may be a reflection on overproduction, or an expression of joy about satisfactory economic activity. The editing tool 36 provides an editing tool, such as editing a diary, or replacing a photograph.

4 is a block diagram of a management apparatus according to an embodiment of the present invention.

The management apparatus 100 includes a wireless communication unit 110, an A / V input unit 120, a user input unit 130, a sensing unit 140, an output unit 150, a memory 160, A controller 170, a controller 180, a power supply 190, and the like. The components shown in FIG. 5 are not essential, and a management device having more or fewer components may be implemented.

Hereinafter, the components will be described in order.

The wireless communication unit 110 may include one or more modules that enable wireless communication between the management apparatus 100 and the wireless communication system or between the management apparatus 100 and the network in which the management apparatus 100 is located. For example, the wireless communication unit 110 may include a broadcast receiving module 111, a mobile communication module 112, a wireless Internet module 113, a short range communication module 114, and a location information module 115 .

The broadcast receiving module 111 receives broadcast signals and / or broadcast-related information from an external broadcast management server through a broadcast channel.

The mobile communication module 112 transmits and receives radio signals to at least one of a base station, an external terminal, and a server on a mobile communication network. The wireless signal may include various types of data depending on a voice call signal, a video call signal or a text / multimedia message transmission / reception.

The wireless Internet module 113 refers to a module for wireless Internet access, and may be embedded in a mobile terminal 100 or externally. WLAN (Wi-Fi), Wibro (Wireless broadband), Wimax (World Interoperability for Microwave Access), HSDPA (High Speed Downlink Packet Access) and the like can be used as wireless Internet technologies.

The short-range communication module 114 refers to a module for short-range communication. Bluetooth, Radio Frequency Identification (RFID), infrared data association (IrDA), Ultra Wideband (UWB), ZigBee, and the like can be used as a short range communication technology.

The position information module 115 is a module for acquiring the position of the management device, and a representative example thereof is a Global Position System (GPS) module. According to the current technology, the GPS module 115 calculates distance information and accurate time information from three or more satellites, and then applies trigonometry to the calculated information to obtain a three-dimensional string of latitude, longitude, The location information can be accurately calculated. At present, a method of calculating position and time information using three satellites and correcting an error of the calculated position and time information using another satellite is widely used. In addition, the GPS module 115 can calculate speed information by continuously calculating the current position in real time.

The A / V (Audio / Video) input unit 120 is for inputting an audio signal or a video signal, and may include a camera 121 and a microphone 122. The camera 121 processes an image frame such as a still image or moving image obtained by the image sensor in the video communication mode or the photographing mode. The processed image frame can be displayed on the display unit 151. [

The user input unit 130 generates input data for a user to control the operation of the terminal. The user input unit 130 may include a key pad, a dome switch, a touch pad (static / static), a jog wheel, a jog switch, and the like.

The sensing unit 140 senses the current state of the management apparatus 100 such as the open / close state of the management apparatus 100, the position of the management apparatus 100, the presence of a user, the orientation of the management apparatus, And generates a sensing signal for controlling the operation of the management apparatus 100. [ For example, when the management apparatus 100 is in the form of a slide phone, it is possible to sense whether the slide phone is opened or closed. It is also possible to sense whether the power supply unit 190 is powered on, whether the interface unit 170 is connected to an external device, and the like. Meanwhile, the sensing unit 140 may include a proximity sensor 141.

The output unit 150 is for generating an output relating to visual, auditory or tactile sense and includes a display unit 151, an acoustic output module 152, an alarm unit 153, a haptic module 154, 155), and the like. The display unit 151 displays a touch screen when a display unit 151 and a sensor (hereinafter, referred to as a 'touch sensor') that detects a touch operation form a mutual layer structure It can be used as an input device in addition to an output device. The touch sensor may have the form of, for example, a touch film, a touch sheet, a touch pad, or the like.

The memory unit 160 may store a program for processing and controlling the control unit 180 and temporarily store the input / output data (e.g., telephone directory, message, audio, For example.

The interface unit 170 serves as a pathway to all the external devices connected to the management apparatus 100. The interface unit 170 receives data from an external device or receives power from the external device and transfers the data to each component in the management device 100 or allows data in the management device 100 to be transmitted to an external device.

The controller 180 typically controls the overall operation of the management device. For example, voice communication, data communication, video communication, and the like. The control unit 180 may include a multimedia module 181 for multimedia playback. The multimedia module 181 may be implemented in the control unit 180 or may be implemented separately from the control unit 180. [

The power supply unit 190 receives external power and internal power under the control of the controller 180 and supplies power necessary for operation of the respective components.

The various embodiments described herein may be embodied in a recording medium readable by a computer or similar device using, for example, software, hardware, or a combination thereof. According to a hardware implementation, the embodiments described herein may be implemented as application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays May be implemented using at least one of a processor, controllers, micro-controllers, microprocessors, and other electronic units for performing other functions. In some cases, The embodiments described may be implemented by the control unit 180 itself.

According to a software implementation, embodiments such as the procedures and functions described herein may be implemented in separate software modules (portions). Each of the software modules may perform one or more of the functions and operations described herein. Software code can be implemented in a software application written in a suitable programming language. The software code is stored in the memory 160 and can be executed by the control unit 180. [

The user can input data related to his or her economic life using the management apparatus 100. [ Data related to economic life include income, expenditure, transfer, and exchange.

It will be apparent to those skilled in the art that the present specification may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The foregoing detailed description should not be construed in all aspects as limiting and should be considered illustrative. The scope of the present specification should be determined by rational interpretation of the appended claims, and all changes within the equivalency range of the specification are included in the scope of the present invention.

10: Economic life management data comparison system
100: Economic life management device smart terminal
200: Network
300: Economic life management data server

Claims (4)

A smart terminal equipped with an economic life management application for tracking a user's expenditure line using location information of an offline store where payment is executed, comprising:
A payment information receiving unit for receiving payment information for a purchase action executed in an offline store;
A settlement location extracting unit for extracting location information of an offline store where a purchase operation is performed;
A map display unit for determining an area and a scale of a map so that the positions of a plurality of off-line stores for which payment has been executed can be mapped, extracting and displaying a map corresponding to the scale,
And an expenditure copper line tracking unit for displaying the locations of the plurality of offline stores on the map and connecting the plurality of offline stores in order of payment time to display expendable copper lines,
The settlement information receiver may extract the settlement information from the settlement letter transmitted from the financial server that approved the settlement, manually receive the settlement information from the input means of the smart terminal, or receive the settlement information from the receipt image of the receipt Characterized in that,
A smart terminal equipped with an economic life management application that tracks a user's expenditure line using location information of an offline store where payment is executed. The method according to claim 1,
An image extraction unit for extracting an image photographed in the image information storage unit of the smart terminal or an image database of another server connected to the Internet; And
And an image display unit for displaying the extracted image on the location of the offline store of the map.
A smart terminal equipped with an economic life management application that tracks a user's expenditure line using location information of an offline store where payment is executed. The method according to claim 1,
Wherein the settlement location extractor extracts location information of an offline store from the settlement information or extracts location information of a point where settlement is executed from the GPS module of the smart terminal,
A smart terminal equipped with an economic life management application that tracks a user's expenditure line using location information of an offline store where payment is executed. The method according to claim 1,
Further comprising an economical living diary part for displaying an expenditure circulation line for payment information executed on a map on a day and providing an interface for creating a diary relating to the indicated expenditure circulation line,
A smart terminal equipped with an economic life management application that tracks a user's expenditure line using location information of an offline store where payment is executed.

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