KR20210104966A - Terminal and method for displaying interaction credit card statementand that about breakdown of credit card installment transaction - Google Patents

Abstract

According to an embodiment of the present invention, a method and terminal for displaying an interaction credit card statement for installment transaction details displays installment transaction details in a processor of the terminal based on an interaction graph supporting a user interaction. The method includes the steps of: obtaining credit transaction history information; generating an interaction credit card statement table based on the acquired transaction history information; performing user interaction by displaying the generated interaction credit card statement table; and displaying an interaction credit card statement table changed according to the user interaction. Therefore, it is possible to recognize the installment transaction details more easily and intuitively by checking a graphic image.

Description

Method of displaying interaction specification table for installment transaction details and terminal

The present invention relates to a method for displaying an interaction credit card statementand for installment transaction details and a terminal. More specifically, it relates to a method and terminal for displaying installment transaction details based on an interaction graph supporting user interaction.

In recent years, the use of credit cards has greatly increased thanks to industrial development and the advancement of consumption structures.

In detail, a credit card is being used as a major payment method for purchases of goods, service services, food/beverage, etc. in e-commerce or offline, and the proportion thereof is increasing day by day.

When a payment based on a commercialized credit card is performed as described above, a payment method in which the payment for the billed amount is paid in a lump sum or the billed amount is divided into a certain number of months and paid in installments is used.

That is, it is used as a deferred payment system in which a credit settlement using a credit card is performed within a predetermined limit amount and the billing amount is later settled.

At this time, the deferred payment method corresponds to the debt of the user as in the case of cash advances or credit and loan amounts in a broad sense because the billed amount is treated as a deferred payment.

Therefore, if the credit card is used indiscriminately and the size of the debt exceeds the income scale, the credit card user falls into a state of bad credit, and the credit card company or financial company may have a problem that the delinquency rate or loss rate increases. Managing your payments is very important.

In particular, when paying bills by installment payment using a credit card, systematic management of the monthly installment amount must be carried out in parallel to avoid difficulties in performing and managing credit payments without exceeding a predetermined limit in the future. can

Thus, card users use a credit card payment management service (eg, a credit card payment management application or website) that manages payment details for credit cards to check credit card billing statements, etc. We check the payment amount and take action accordingly.

However, in the conventional credit card payment management service, when an installment payment is performed, only information from a macro perspective such as the total installment payment amount for the corresponding payment or the total remaining installment amount is provided. There is a limitation in that it is difficult to quickly check important information such as the installment amount for each payment, the installment period, the number of payments, and/or the remaining installment amount.

In addition, since the conventional credit card payment management service provides information on credit card payment details based on letters or numbers, there is a problem in that it is difficult to easily and intuitively check installment related information for a plurality of payments.

On the other hand, with the development of information and communication technology (ICT, 　 information and communication technology), a human-computer interaction (HCI) based user-centered design (HCI) that provides services focusing on the interaction between the user and the computer ( UCD: User Centered Design) is gaining importance.

In the field of user-centered design, it is emphasized that user experience (UX: User Experience), which refers to all aspects of the experience that a user gets while interacting with a company, service, and company's product, is a major factor in improving the quality of service. Interest in user interaction that can be implemented (user interaction, a series of interactions in which a user uses a service system through an interface) is increasing.

KR 2003-0079357 A

An object of the present invention is to implement a method and a terminal for displaying installment transaction details based on an interaction credit card statementand including an interaction graph supporting user interaction.

In addition, an object of the present invention is to provide a method for displaying an interaction specification table and a terminal capable of performing pre-payment for an unpaid installment amount based on the implemented interaction specification table.

However, the technical problems to be achieved by the present invention and embodiments of the present invention are not limited to the technical problems as described above, and other technical problems may exist.

The method and terminal for displaying an interaction specification for installment transaction details according to an embodiment of the present invention is based on an interaction graph that supports user interaction in the processor of the terminal. A method for displaying an interaction credit card statement, comprising the steps of: obtaining credit transaction history information; generating an interaction specification table based on the acquired transaction history information; performing the user interaction by displaying the generated interaction specification table; and displaying a changed interaction specification table according to the user interaction.

In this case, the interaction specification table includes a total installment payment scheduled amount for this month based on the credit transaction history information, a total remaining installment amount after payment, detailed information for each transaction, and an interaction graph.

In addition, the transaction history information includes installment transaction details information including payment destination, payment date, payment amount, installment period, payment period, and non-payment period information paid in installments.

In addition, the detailed information includes the interaction graph generated based on the installment transaction history information matched for each transaction paid by the installment.

In addition, the step of generating the interaction specification table includes a main graph that displays the reference point of the interaction specification table on a monthly basis based on the installment transaction history information, and an installment period for each transaction paid by the installment , and generating a sub graph displaying the payment cycle and the non-payment cycle.

In addition, the main graph is an interaction graph that provides a plurality of wall point sections for selecting a reference point of the interaction specification table, and the sub graph is a rotation point indicating the payment and non-payment according to the reference point of the interaction specification table It is an interaction graph that includes sections.

In addition, the method and terminal for displaying an interaction specification table for installment transaction details according to an embodiment of the present invention includes the steps of setting a reference month based on a user input to the wall point section, and matching the set reference month It further comprises the step of displaying the installment transaction details information to be in the sub graph.

In addition, the performing of the user interaction includes operating the main graph and the sub graph in association with each other.

In addition, the step of operating in conjunction includes, when the reference month is changed based on the user input to the wall point section of the main graph, the payment cycle and non-payment of the sub graph based on the changed reference month and performing an update on at least one or more of the episode point sections indicating the episode.

In addition, in the sub graph, the payment cycle and the non-payment cycle are displayed separately by different highlighting displays.

In addition, the method and terminal for displaying an interaction specification for installment transaction details according to an embodiment of the present invention further include providing an installment prepayment interface, wherein the installment prepayment interface includes: It is an interface that sets at least part of the payment to be paid in advance this month.

In addition, in the step of providing the installment prepayment interface, based on a user input for selecting the turn point section of the subgraph, the installment prepayment based on each transaction setting for determining the installment transaction to be paid in advance and the prepayment period is provided. including the steps of

In addition, the step of providing the installment prepayment interface includes: a designated payment amount for automatically determining a prepayment cycle based on a designated payment amount, which is information that a user designates a maximum amount allowed for installment payment for the current month and providing a prepayment based installment.

In addition, the prepayment cycle is a parameter for determining a total additional installment amount based on at least one installment cycle included from after excluding the payment cycle to the prepayment cycle.

In addition, the method further includes integrating a plurality of months in which the installment amount has not been paid, and collectively paying the installment amount charged in the integrated plurality of months.

In addition, the step of collectively paying the installment amount charged in the integrated plurality of months includes the step of providing an integrated unit selection interface for integrating and setting at least one non-payment among a plurality of non-payment accounts through the sub graph. do.

In addition, the step of collectively paying the installment amount billed in the integrated plurality of months, integrating a plurality of unpaid times selected through the integrated unit selection interface into one payment unit, and the integrated installment amount for the payment unit It further includes the step of calculating.

In addition, the step of collectively paying the installment amount charged for the plurality of integrated months further includes the step of performing an installment advance payment process in which the integrated installment amount is included in the total installment amount for this month to be paid in advance.

In addition, the interaction specification table display terminal for installment transaction details according to an embodiment of the present invention, a touch screen for displaying the interaction specification table and receiving a user input; at least one processor for controlling the interaction specification table; and a memory for storing a command for controlling the interaction specification table, wherein the command stored in the memory obtains at least one credit transaction history information, and generates the interaction specification table based on the obtained transaction history information, Control the touch screen to display the generated interaction specification table, perform the user interaction based on a user input for the displayed interaction specification table, and display the interaction specification table changed according to the user interaction, the touch screen and a command to control the transaction, and the interaction specification table includes a total installment payment scheduled amount for this month based on the credit transaction history information, a total remaining installment amount after payment, detailed information for each transaction, and an interaction graph.

In addition, the interaction specification table display terminal for installment transaction details according to an embodiment of the present invention is a non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores machine-executable instructions, When executed by , the machine executable instructions cause the processor to perform the method for displaying an interaction statement for installment transaction details according to any one of claims 1 to 18.

The method and terminal for displaying an interaction specification for installment transaction details according to an embodiment of the present invention provides the installment transaction details based on an interaction graph supporting user interaction, thereby confirming the installment transaction details as a graphic image Thus, it can be recognized more easily and intuitively, and there is an effect that can be displayed flexibly based on the user's desired time point.

In addition, the method and terminal for displaying an interaction specification table for installment transaction details according to an embodiment of the present invention provides an interaction graph capable of intuitively recognizing a reference month, a paid installment cycle, and/or an unpaid installment cycle By doing so, there is an effect that it is possible to conveniently grasp the progress of the installment payment for the standard month.

In addition, the method and terminal for displaying an interaction specification table for installment transaction details according to an embodiment of the present invention can determine a base month to check installment transaction details based on a user's input to the interaction graph, and in the determined base month It has the effect of being able to flexibly provide an interaction specification table for

In addition, the method and terminal for displaying an interaction specification for installment transaction details according to an embodiment of the present invention apply different highlighting indications to the paid installment cycle and the unpaid installment cycle, so that the paid installment cycle and the unpaid installment cycle are displayed. There is an effect that can be clearly identified and identified.

In addition, the method and terminal for displaying an interaction specification for installment transaction details according to an embodiment of the present invention enable prepayment for unpaid installment payments based on the implemented interaction specification table, using an easy and intuitive interface The remaining installment amount can be settled in advance, thereby increasing the effectiveness of management for installment settlement.

However, the effects obtainable in the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood from the description below.

1 is a conceptual diagram of an interaction specification table display system for installment transaction details according to an embodiment of the present invention.
2 is an internal block diagram of a terminal according to an embodiment of the present invention.
3 is an internal block diagram of a data processing system according to an embodiment of the present invention.
4 is a flowchart illustrating a method of displaying an interaction specification table for installment transaction details according to an embodiment of the present invention.
5 is an example of displaying an interaction specification table for installment transaction details information in a terminal according to an embodiment of the present invention.
6 is an example of an interaction performed based on an interaction specification table according to an embodiment of the present invention.
7 is an example of a state in which the highlight display for each transaction is variously implemented according to an embodiment of the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. Effects and features of the present invention, and a method of achieving them, will become apparent with reference to the embodiments described below in detail in conjunction with the drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various forms. In the following embodiments, terms such as first, second, etc. are used for the purpose of distinguishing one component from another, not in a limiting sense. Also, the singular expression includes the plural expression unless the context clearly dictates otherwise. In addition, terms such as include or have means that the features or components described in the specification are present, and do not preclude the possibility that one or more other features or components will be added. In addition, in the drawings, the size of the components may be exaggerated or reduced for convenience of description. For example, since the size and thickness of each component shown in the drawings are arbitrarily indicated for convenience of description, the present invention is not necessarily limited to the illustrated bar.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and when described with reference to the drawings, the same or corresponding components are given the same reference numerals, and the overlapping description thereof will be omitted. .

1 is a conceptual diagram of an interaction specification table display system for installment transaction details according to an embodiment of the present invention.

Referring to FIG. 1 , a system for displaying an interaction specification for installment transaction details according to an embodiment of the present invention may include a terminal 100 and a data processing system 200 of a card company.

In an embodiment of the present invention, the terminal 100 and the data processing system 200 interoperate to provide an interaction credit card statementand supporting user interaction based on information on the user's installment transaction details. In addition, it is possible to implement an installment transaction history specification table that is flexibly changed according to a user's input based on the provided interaction specification table, and it is possible to provide a process for performing a pre-payment for the unpaid installment amount.

In addition, each component of FIG. 1 may be connected through a network 150 . The network 150 means a connection structure capable of exchanging information between each node, such as the terminal 100 and the data processing system 200 , and an example of the network 150 includes a 3rd Generation Partnership Project (3GPP). Network, Long Term Evolution (LTE) network, World Interoperability for Microwave Access (WIMAX) network, Internet, Local Area Network (LAN), Wireless Local Area Network (Wireless LAN), Wide Area Network (WAN), PAN ( Personal Area Network), Bluetooth (Bluetooth) network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like are included, but are not limited thereto.

In addition, network 150 may be any type or type of network, for example, a point-to-point network, a broadcast network, a wide area network, a local area network, a communication network, a data communication network, a computer network, an ATM It may be an (Asynchronous Transfer Mode) network, a Synchronous Optical Network (SONET) network, a Synchronous Digital Hierarchy (SDH) network, a wireless network, and/or a wired network, but is not limited thereto.

- Terminal

First, the terminal 100 according to an embodiment of the present invention includes augmented reality (AR) glass, a smart phone, a digital broadcasting terminal, a mobile phone, a portable terminal installed with a program for performing an interaction specification display service for installment transaction details. It may include personal digital assistants (PDA), portable multimedia player (PMP), navigation, tablet PC, wearable device, smart glass, and tabletop.

In addition, the terminal 100 is a fixed terminal, such as a desktop PC, a laptop computer, a personal computer such as an ultrabook based on wired / wireless communication, the interaction specification table display service for the transaction details It may further include a device in which a program for execution is installed.

Such a terminal 100, in an embodiment of the present invention, may obtain credit transaction history information by interworking with the data processing system 200, and based on the obtained transaction history information, an interaction specification table for installment transaction details (Interaction) credit card statement).

In this case, the interaction specification table is an online credit card specification table supporting user interaction, and may be a user interface capable of flexibly providing information on credit card transaction details based on interaction with the user. In addition, the interaction specification table according to the embodiment may be a user interface that can be changed to an installment payment in which a lump-sum payment is processed according to a user input to an installment payment processing in an installment method.

In addition, in the embodiment, the terminal 100 may implement a series of interactions based on a user interface by outputting the generated interaction specification table, and processing various data based on this (installation transaction through the interaction specification table). You can change the base month for which you want to check the history information and/or proceed with the installment advance payment process, etc.).

Hereinafter, each component constituting the terminal 100 will be described in detail with reference to the accompanying drawings.

2 is an internal block diagram of the terminal 100 according to an embodiment of the present invention.

Referring to FIG. 2 , in an embodiment of the present invention, the terminal 100 may include an input unit 110 , a display unit 120 , a communication unit 130 , a memory 140 , and a processor 150 .

First, the input unit 110 may detect a user's input related to an interaction specification table display service for installment transaction details.

In an embodiment, the input unit 110 may include a user input for a main graph and/or a sub graph included in the interaction specification table and/or a user input for setting a specified payment amount at the time of prepayment in installments, etc. can detect

Next, the display unit 120 may output various information related to an interaction specification table display service for the installment transaction details as a graphic image.

In an embodiment, the display unit 120 may output an interaction specification table including installment transaction details information and/or an interaction graph.

The display unit 120 includes a liquid crystal display (LCD), a thin film transistor-liquid crystal display (TFT LCD), an organic light-emitting diode (OLED), and a flexible display. (a flexible display), a three-dimensional display (3D display), and may include at least one of an e-ink display (e-ink display).

In addition, the input unit 110 and the display unit 120 may be combined to be implemented as a touch screen 125 .

Next, the communication unit 130 may transmit/receive various data and/or information for providing an interaction specification table display service for installment transaction details.

In an embodiment, the communication unit 130 may communicate with the data processing system 200 and the like to transmit/receive various data related to an interaction specification display service for installment transaction details.

This communication unit 130, the technical standards or communication methods for mobile communication (eg, GSM (Global System for Mobile communication), CDMA (Code Division Multi Access), HSDPA (High Speed Downlink Packet Access), HSUPA ( High Speed Uplink Packet Access), LTE (Long Term Evolution), LTE-A (Long Term Evolution-Advanced), etc.) Signals can be sent and received.

Next, the memory 140 may store any one or more of various application programs, data, and commands that provide an interaction specification table display service for installment transaction details.

In an embodiment, the memory 140 may store and manage an application that provides an interaction specification display service for installment transaction details, credit transaction history information and/or installment prepayment information, and the like.

The memory 140 may be various storage devices such as ROM, RAM, EPROM, flash drive, hard drive, etc., and may be a web storage that performs a storage function of the memory 140 on the Internet. may be

Finally, the processor 150 may perform a series of data processing by controlling the above-mentioned elements in order to perform an interaction specification display service for the installment transaction details.

These processors 150, ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays), controllers (controllers), It may be implemented using at least one of micro-controllers, microprocessors, and other electrical units for performing functions.

In addition, the terminal 100 according to an embodiment of the present invention may be implemented in various embodiments, such as performing some or all of the operations performed by the data processing system 200 to be described below.

- Data Processing System

Meanwhile, in an embodiment of the present invention, the data processing system 200 of a card company may perform a series of processes for providing an interaction specification display service for installment transaction details.

In detail, first, the data processing system 200 may generate credit transaction history information required for an interaction statement display service for installment transaction details, and may provide it to the terminal 100 .

Here, the transaction history information may be payment-related information for each transaction performed using a credit card, and lump-sum transaction history information including payment amount for each transaction paid in a lump sum, payment destination and/or payment date information, etc. and installment transaction details information including payment destination for each transaction paid in installments, payment date, payment amount, installment period, and/or payment/unpaid number of times, and the like.

In addition, in the embodiment, the data processing system 200, based on the installment prepayment information based on the interaction specification table obtained from the terminal 100, may proceed and process the installment payment process reflecting the corresponding installment prepayment information.

Here, the installment advance payment may be a service that can be set so that the installment amount for the unpaid installment payment cycle is paid in advance in this month. A detailed description thereof will be provided later.

In addition, the data processing system 200 may generate installment prepayment approval information indicating that the installment prepayment has been processed as a result of performing the installment payment process, and transmit the generated installment prepayment approval information to the terminal 100 . can

Also, the data processing system 200 may update credit transaction history information matching the corresponding installment payment based on the installment prepayment information and the approval information.

Meanwhile, the system for displaying an interaction specification for installment transaction details according to an embodiment of the present invention may include at least one data processing system 200 for each card company.

3 is an internal block diagram of a data processing system 200 according to an embodiment of the present invention.

In detail, referring to FIG. 3 , in the embodiment, the data processing system 200 may include at least one data transceiver, a database 224: Data Repository, and a data processing unit 240 as components.

First, the data transmitting and receiving unit, Various data for performing an interaction specification display service for installment transaction details with the external terminal 100 and/or the server may be received through the network.

In an embodiment, the data transceiver may receive credit card transaction history request information and/or installment prepayment information from the terminal 100, and credit transaction history information matching the received credit card transaction history request information and/or Alternatively, installment prepayment approval information generated based on the received installment prepayment information may be transmitted to the terminal 100 .

The data transceiver may include at least one interface (210), at least one natural language processor component (212), at least one direct action application programming interface (216: Direct Action API), at least one Session Handler Component 214, at least one Content Selector Component 218 and/or at least one Feedback Monitor Component 220, at least one audio signal generator ( 222: Audio Signal Generator Component) may be included, and based on this, interaction or communication with the external terminal 100 and/or a server may be performed.

In addition, the database 224 may store any one or more of various application programs, data, and commands for providing an interaction specification table display service for installment transaction details.

In detail, according to an embodiment, the database 224 stores one or more parameters 226: Parameters, one or more policies 228 Policies, content data 230: Content Data, and/or templates 232: Templates. can

In an embodiment of the present invention, the database 224 may store and manage credit card user information (eg, user name, resident registration number, holding card number, mobile phone number, etc.) and credit transaction history information for each credit card user.

The database 224 may be various storage devices such as ROM, RAM, EPROM, flash drive, hard drive, etc., and may be a web storage that performs a storage function of the database 224 on the Internet. may be

In addition, the data processing unit 240 may control the overall operation of each of the above-described components in order to implement the interaction specification table display service for the installment transaction details.

In an embodiment, the data processing unit 240 may generate credit transaction history information for each user, and may generate installment prepayment approval information based on the installment prepayment information obtained from the terminal 100 .

These data processing units 240, ASICs (application specific integrated circuits), DSPs (digital signal processors), DSPDs (digital signal processing devices), PLDs (programmable logic devices), FPGAs (field programmable gate arrays), controllers (controllers) , micro-controllers, microprocessors, and other electrical units for performing other functions.

- How to display interaction details for installment transaction details

Hereinafter, with reference to the accompanying drawings, it will be described in detail a method of displaying the interaction specification table for the installment transaction details in the terminal 100.

4 is a flowchart for explaining a method of displaying an interaction specification table for installment transaction details according to an embodiment of the present invention.

Referring to FIG. 4 , in an embodiment of the present invention, the terminal 100 may request a credit card transaction history required for an interaction specification display service for installment transaction details. (S101)

In an embodiment, the terminal 100 may directly request the credit card transaction details including information on the user's credit card installment transaction details to the data processing system 200 of the corresponding credit card service provider (card company).

In another embodiment, the terminal 100 accesses a credit card service providing web site, that is, a web page of a card company, based on a web browser application, and sends the data processing system 200 of the corresponding card company. Credit card transaction details can be requested.

In another embodiment, the terminal 100 may access a credit card service mobile application, that is, a mobile application of a card company, and request credit card transaction details from the data processing system 200 of the corresponding card company.

Hereinafter, an embodiment of requesting a user's credit card transaction details based on the credit card service mobile application installed in the terminal 100 will be described, but the present invention is not limited thereto.

In addition, in an embodiment of the present invention, the terminal 100 may receive credit transaction history information from the data processing system 200 of the card company that requested the credit card transaction details. (S103)

Here, the transaction history information may be payment-related information for each transaction performed using a credit card or the like. In the embodiment of the present invention, the transaction history information is described as including payment-related information for a transaction performed using a credit card, but is not limited thereto.

In detail, the terminal 100 includes a lump sum transaction history information including the payment amount for each transaction paid in a lump sum, payment destination and/or payment date information, and the payment destination, payment date, and payment amount for each transaction paid in installments, Transaction history information including installment transaction history information including the installment period and/or payment/unpaid period, etc. may be received from the data processing system 200 of the card company.

In this case, according to an embodiment, the terminal 100 may collectively request credit card transaction details for at least one or more credit cards, and may receive and utilize the requested at least one or more credit transaction history information in a lump.

That is, the terminal 100 may integrate and manage a plurality of credit cards based on the credit card transaction details for the plurality of credit cards.

In an embodiment, the terminal 100 may generate a first interaction statement based on the first credit transaction information, and may generate a second interaction statement based on the second credit transaction information, and the generated The first and second interaction specifications can be integrated and managed through a single application.

Hereinafter, it is described as implementing an interaction specification table based on one credit transaction information, but is not limited thereto. Various embodiments are possible, such as performing integrated management between multiple credit cards by generating a one-interaction specification sheet.

Also, the terminal 100 may generate an interaction credit card statement based on the received transaction history information. (S105)

In detail, in the embodiment, the terminal 100 may generate an interaction specification table for the user's installment transaction history information based on the received transaction history information.

Here, the interaction specification table is an online credit card specification table supporting user interaction, and may be a user interface capable of flexibly providing information on credit card transaction details based on interaction with the user.

Such an interaction specification table, according to an embodiment, may be generated based on the one-time payment transaction history information of the transaction history information, may be generated based on the installment transaction history information, or may be generated based on both the lump-sum payment and the installment transaction history information It can be implemented in various ways. However, in the embodiment of the present invention, the description is based on the interaction specification table (hereinafter, the interaction specification table) for the installment transaction history information that can effectively display and manage the user's installment transaction details, but is not limited thereto.

5 is an example of displaying an interaction specification table for installment transaction history information in the terminal 100 according to an embodiment of the present invention.

That is, referring to FIG. 5 , in the embodiment, the interaction statement may be a user interface capable of flexibly providing the online credit card statement for the installment transaction details based on the interaction with the user.

In addition, this interaction specification table may include 1) the total amount to be paid in installments this month, 2) the total remaining installment amount after payment, 3) detailed information for each transaction, and/or 4) an interaction graph.

In detail, the terminal 100, based on the acquired installment transaction history information, after the payment (payment) for the total installment payment amount and/or the current month installment payment plan amount indicating the total of the installment amount to be paid in this month , the total residual installment amount may be obtained after payment indicating the total of the remaining residual installment amounts.

Also, the terminal 100 may obtain detailed information on each transaction for each installment transaction based on the installment transaction history information.

In this case, the detailed information information may be information indicating a payment destination, a payment date, a payment time, a payment amount, an installment period, and the number of payment/unpaid times for the transaction in which the installment payment is performed.

For example, the detailed information is, in the case of a transaction in which the 3rd payment is made in 12-month installments, the installment period is '12 months' and the payment period is '3rd installment (ie, the 3rd installment amount of the 12-month installment period). means that payment has been completed).

Here, when the terminal 100 according to the embodiment displays information on each transaction for which the installment payment is performed as detailed information information, the order of payment date/time of payment, order of payment amount, the order of the number of unpaid times or the number of unpaid times Information on each transaction of detailed information information can be sorted and displayed based on the order of the smallest number.

For example, the terminal 100 sorts each of the plurality of transactions included in the detailed information information in the order of the fewest unpaid times, and the fewer unpaid times that match the transaction are displayed on the upper side of the detailed information, As the number of outstanding payments increases, it can be displayed at the bottom of the detailed information.

In this case, in the embodiment, the terminal 100 may provide an interface that can set the sorting criteria for each transaction displayed as detailed information.

In detail, the terminal 100 may provide an arrangement setting interface capable of arranging each transaction of detailed information information based on user settings.

In addition, the terminal 100 may set an alignment criterion when displaying each transaction included in the detailed information information, based on a user input to the provided alignment setting interface.

In addition, the terminal 100 may sort and output each transaction included in the detailed information according to the set sorting criteria.

For example, when the sorting criterion is set in the order of the largest number of unpaid times based on the user input to the sorting setting interface, the terminal 100 performs each of the plurality of transactions included in the detailed information information based on the order of the most unpaid times. By sorting as , the more unpaid times matching the transaction, the more it is displayed on the upper side of the detailed information, and the smaller the unpaid number of times, the lower the detailed information.

In addition, in an embodiment, the terminal 100 may provide the above detailed information together with a subgraph of the interaction specification table. A detailed description thereof will be provided later.

Also, the terminal 100 may acquire an interaction graph supporting user interaction based on the installment transaction history information.

Here, the interaction graph is an interface that expresses the user's installment transaction history information in the form of a graphic image (eg, a bar graph), and provides the installment transaction history information flexibly based on the interaction with the user. can do.

In detail, the interaction graph may include a main graph (10: Main graph) and at least one or more sub graphs for each transaction (20: Sub graph) that are matched and linked to the main graph.

In more detail, in the embodiment, the main graph 10 is an interaction graph supporting user interaction, and may provide a plurality of wall point sections indicating reference points of the interaction specification table in units of months. .

In this case, the main graph 10 may be implemented in various forms according to user settings or a predetermined method.

In an embodiment, the main graph 10 may be implemented in a bar graph form, a pie graph form, or a drop-down section form.

Also, the main graph 10 may include wall point sections implemented in different numbers according to user settings or a predetermined method.

For example, the main graph 10 may be implemented with 12 wall point sections representing January to December of a specific year, and 9 wall point sections representing the last 3 months to the next 6 months. It can be formed in various types of user interfaces, such as

The main graph 10 may be an interaction graph for selecting a reference point to be checked for the total payment scheduled amount and the total installment transaction details for the selected credit card. For example, the terminal 100 may display the expected payment amount at the reference point selected in the main graph 10 and the remaining installment amount after payment.

In detail, the terminal 100 means a month displayed through an interaction specification table among a plurality of installment transaction details for each month based on a user input for the monthly point section provided through the main graph 10 . You can set the base month.

That is, the terminal 100 may set the reference month according to the user's selection input for the wall point section, and may provide installment transaction details information for the set reference month through the interaction specification table.

For example, the terminal 100 sets the selected October as the reference month when detecting a user input for the October point section among 12 wall point sections representing January to December of the main graph 10 . and may display installment transaction history information matching the set reference month.

Also, the terminal 100 may detect a user input for selecting a point section for a specific month through a drag input of month points for selecting January to December of the main graph 10 .

In addition, the terminal 100, when providing the installment transaction history information for the set reference month through the interaction specification table, installment based on at least one or more detailed information for each transaction for the reference month and the subgraph 20 Transaction history information can be provided.

Here, the sub graph 20 is an interaction graph that supports user interaction generated and operated for each transaction for each installment transaction. It is possible to provide a plurality of recurring point sections to display.

At this time, the terminal 100 separately highlights the point section for the payment cycle in which the installment amount payment is completed or the non-payment cycle for the total installment period of the sub-graph 20, so that the payment is completed and the payment is not completed. You can make your unpaid bills separate from each other.

Hereinafter, it will be described that the highlighting of the payment period in which payment has been completed is performed, but various embodiments are also possible, such as the highlighting of the unpaid period, and are not limited thereto.

In addition, the terminal 100, when the number of turn point sections displayed through the sub graph 20 is greater than or equal to a predetermined number (eg, a number that cannot be collectively displayed on the display screen, etc.), the user's sliding The sub graph 20 can be changed and displayed according to the input.

For example, when the terminal 100 outputs the sub-graph 20 for the 36-month installment payment, the terminal 100 may display a first sub-graph displaying a total of 36 cycle point sections. In this case, the terminal 100 may divide and display the first sub-graph into a plurality of sliding sections. In detail, the terminal 100 displays up to 12 turn point sections on the first sliding section of the first sub-graph, and when a user's sliding input to the first sub-graph is detected, the second of the first sub-graph By exposing the sliding section, it is possible to sequentially display the rotation point sections from 12 onwards.

As such, when there are many rotation point sections displayed on the subgraph 20 , the terminal 100 may effectively output a plurality of rotation point sections based on a slide method based on a user input.

For example, when the installment period for the first transaction performed in the base month is 12 months and the payment cycle (the total number of installments paid) is the third time, the terminal 100 displays 12 A total of 12 point sections representing each month can be created, and among the generated 12 point sections, the first to third point sections included in the payment cycle (that is, a cycle representing a total of 3 times in which the installment amount is paid) Points section) can be highlighted as a check section to clearly distinguish it from the recurring points section for unpaid repayments.

In this way, the terminal 100 can clearly distinguish between a payment cycle and an incomplete cycle through the schematic of the payment cycle through the sub-graph 20 .

In addition, when a specific unpaid period is selected based on a user input for the turn point section provided through the sub graph 20 , the terminal 100 pre-pays the installment amount from after excluding the payment period to the selected unpaid period function can be provided. A detailed description thereof will be provided later.

Returning again, in the embodiment, the terminal 100 may provide the user's installment transaction history information for the reference month based on the sub graph 20 and detailed information for each transaction as described above.

For example, the terminal 100, when October is set as the reference month in the interaction specification table, based on the installment transaction history information for October, the first detailed information matching the first transaction performed in October and the first 1 sub graph 20-1, second detailed information and second sub graph 20-2 matching the second transaction performed in October, . . . , it is possible to obtain the nth detail information and the nth subgraph matching the nth (n=3, 4, 5, ...) transaction, and provide an interaction specification table including them.

That is, in the embodiment of the present invention, the terminal 100 obtained based on the installment transaction history information for various information necessary for the interaction specification as described above, the acquired total installment payment scheduled amount for this month, the total remaining installment amount after payment, each An interaction specification table including transaction-specific detail information and/or interaction graph may be generated.

6 is an example of an interaction performed based on an interaction specification table according to an embodiment of the present invention.

Also, referring to FIG. 6 , in the embodiment, the terminal 100 may output the generated interaction specification table to a display and perform an interaction based on the output interaction specification table. (S107)

In an embodiment, the terminal 100 may display the interaction specification table generated through the credit card service mobile application.

At this time, the terminal 100 may set the reference month of the interaction specification table based on a predetermined standard (eg, the current date) or the user's input to the main graph 10, and installment transaction history information for the set reference month You can output an interaction specification table that displays

Also, in the embodiment, the terminal 100 may operate the main graph 10 and the sub graph 20 included in the output interaction specification table by interworking.

In detail, the terminal 100 provides a main graph 10 that provides a plurality of wall point sections indicating each month in which installment payment is performed, and at least one sub graph 20-1 generated for each transaction. , 20-2, 20-3, …) can be operated in conjunction with each other.

In more detail, when the base month is changed based on a selection or drag input to the wall point section of the main graph 10, the terminal 100 determines the payment/non-payment cycle of the sub graph 20 based on the changed base month. You can update the turn points section that displays.

In an embodiment, when the base month is changed, the terminal 100 may update the highlight display for the turn point section of the subgraph 20 based on the installment transaction history information for the changed base month.

For example, when the reference month of the main graph 10 is changed from October to November, the terminal 100 is in a state in which the payment (payment) for the installment amount is performed once more, so the sub graph 20 ) may be increased once more, and by reflecting this, an update may be performed to increase one more payment period point section to which a highlight for payment completion is given on the corresponding subgraph 20 .

As another example, when the reference month of the main graph 10 is changed from November to October, the terminal 100 is in a state in which the payment (payment) for the installment amount is deducted once, so the sub graph 20 It is possible to reduce the number of times of payment on the above line by one time, and by reflecting this, it is possible to perform an update that deducts one point section of the point of payment for payment completion on the corresponding sub-graph 20 .

In addition, in the embodiment, when the terminal 100 displays the payment/unpaid number according to the changed reference month on the subgraph 20, the reference month is the reference month after the month indicated by the current date (the future reference month) , the payment cycle of the sub graph 20 may be virtually updated based on the changed future reference month.

For example, the terminal 100, when the month indicated by the current date is October, and the reference month is changed to November, which is one of the months included in the future date by the user input to the main graph 10, the installment amount Since the payment (payment) is performed once more, the payment cycle on the sub graph 20 can be virtually increased once more.

Also, the terminal 100 may update the highlight display for the cycle point section by reflecting the payment cycle of the virtually updated sub graph 20 .

For example, when the payment cycle on the sub-graph 20 is virtually increased by one more time, the terminal 100 reflects the payment cycle in which a highlight for payment completion is given on the sub-graph 20. An update that increments the point section by one more can be performed.

In this case, in the embodiment, the terminal 100 may display a highlight display for a payment cycle in which payment is virtually completed, different from a highlight display for a payment cycle in which payment is actually completed.

7 is an example of a state in which a highlight display for each transaction is variously implemented according to an embodiment of the present invention.

For example, referring to FIG. 7 , the terminal 100 may implement the highlighting of the payment cycle point section for which payment is actually completed as a check section, and the payment is virtually completed by changing the base month based on the main graph 10 . The highlighting of the processed payment cycle points section can be implemented in a variety of ways, including as a dotted check section, with no color fill, with a dashed line, or with different saturation, lightness and/or opacity.

Through this, when the terminal 100 displays the payment/non-payment cycle for the installment amount based on the future reference month, the payment cycle and the base month in which the installment payment is actually performed are changed to a specific future month, and virtual payment is made Processed payment cycles can be clearly distinguished and displayed.

In addition, in the embodiment, the terminal 100, according to the change of the base month by the main graph 10, the current month's total installment payment scheduled amount displayed through the interaction specification table, the total remaining installment amount after payment, and detailed information for each transaction can also be updated and displayed.

For example, the terminal 100, on the assumption that no additional installment transaction has occurred, when the base month of the interaction specification table is changed from October to November, the payment for the installment amount for each transaction is performed one more time. Therefore, reflecting the state in which the installment payment for each transaction has been performed one more time, the total installment payment expected amount for the current month after the installment amount for each transaction is deducted once, the total remaining installment amount after payment, and detailed information for each transaction can be displayed.

As such, in the embodiment of the present invention, the terminal 100 sets a reference month through a graphic interface for performing user interaction, and provides installment transaction history information for the set reference month as an interaction graph, so that the user wants to check It is possible to provide the progress of payment in installments for the base month in an easier and more intuitive way.

In addition, in an embodiment of the present invention, the terminal 100 may provide an installment prepayment interface based on the displayed interaction specification table. (S109)

Here, the installment prepayment interface may be an interface for setting the installment amount for a payment cycle (unpaid cycle) in which the installment amount is not paid in advance so that the installment amount is paid in advance in this month.

In detail, the terminal 100 may perform 1) installment prepayment based on a setting for each transaction and/or 2) installment prepayment based on a designated payment amount based on the interaction specification table.

In more detail, the terminal 100 may perform an installment prepayment based on a setting for each transaction based on a user's selection input for the turn point section of the sub graph 20 for each transaction.

To this end, first, the terminal 100 selects any one of the non-payment period point sections displayed in the first sub graph 20 that is the interaction graph for the first transaction, the last time the user wants to pay the installment amount in advance. It is possible to obtain a user input for selecting a pre-payment cycle.

That is, in the embodiment, the prepayment cycle may be a parameter for applying the total additional installment amount based on at least one installment cycle including from after excluding the payment cycle to the selected prepayment cycle to the prepayment.

In addition, the terminal 100 may calculate the total installment amount from after excluding the installment cycle (payment cycle) for which payment has been completed until the corresponding prepayment cycle, based on the prepayment cycle determined based on the user input.

For example, the terminal 100, when the installment period of the first transaction is 12 months, the installment amount per cycle is 100,000 won, and the payment is completed by the third time, the first sub graph 20 matching the first transaction ), if the 6th point section is determined as the prepayment cycle by the user input for the unpaid point section of It can be calculated as an additional installment amount.

In addition, the terminal 100 may reflect the calculated additional installment amount in the current month's total installment payment scheduled amount, the total remaining installment amount after payment, and detailed information about the first transaction.

For example, when the calculated additional installment amount is 300,000 won, the terminal 100 increases the total installment payment amount scheduled for this month by 300,000 won, and decreases the total remaining installment amount after payment by 300,000 won, details of the first transaction The payment amount of information can be increased by 300,000 won.

In addition, the terminal 100 may display at least one installment cycle point section from after excluding the payment cycle to the cycle determined as the prepayment cycle by a separate highlighting display.

For example, the terminal 100 may implement a highlight display for at least one installment cycle point section (prepayment point section) from after excluding the payment cycle to the cycle determined as the prepayment cycle as a double dotted line check section. . However, this is only an example, and the present invention is not limited thereto, and the prepayment point section may be highlighted in various ways.

In this way, the terminal 100 assigns different highlight marks to the cycle point sections for the payment cycle, non-payment cycle, and pre-payment cycle displayed in the sub-graph 20, so that the payment cycle, the non-payment cycle, and the pre-payment cycle are displayed. can be clearly distinguished intuitively.

Also, the terminal 100 may perform the installment prepayment based on the determined prepayment cycle.

In detail, the terminal 100 may proceed with the installment prepayment for performing the current month's payment for the installment amount by reflecting the total installment amount from after excluding the payment cycle to the corresponding prepayment cycle.

In an embodiment, the terminal 100 may generate installment prepayment information (transaction name, prepayment cycle and/or installment amount per cycle, etc.) in order to proceed with the installment prepayment, and use the generated installment prepayment information data processing system 200 .

And the data processing system 200 that has received the installment prepayment information from the terminal 100 may reflect the received installment prepayment information to proceed and process the installment payment process. At this time, the data processing system 200 may generate installment prepayment approval information indicating that the installment prepayment has been processed as a result of performing the installment payment process, and transmit the generated installment prepayment approval information to the terminal 100 . can Also, the data processing system 200 may update credit transaction history information matching the corresponding installment payment based on the installment prepayment information and the approval information.

Thereafter, the terminal 100 receiving the installment prepayment approval information from the data processing system 200 may complete the installment prepayment based on the received installment prepayment approval information.

At this time, when the installment prepayment is completed, the terminal 100 may update the highlight display for at least one installment cycle point section (prepayment point section) from after excluding the payment cycle to the cycle determined as the prepayment cycle. .

For example, the terminal 100 checks the prepayment point section implemented as a double dotted line check section on the sub graph 20 when the hill prepayment is completed, the same as the highlight display for the payment cycle in which the payment is actually completed. It can be displayed by changing it to a section.

As described above, in the embodiment of the present invention, the terminal 100 provides the installment prepayment function based on the user's input to the interaction graph, so that the remaining installment amount is paid in advance by the user using an easy and intuitive interface. process, and through this, it is possible to increase the effectiveness of management for installment payments.

Meanwhile, the terminal 100 according to the embodiment may perform an installment advance payment based on the designated payment amount based on the designated payment amount arbitrarily selected by the user.

Here, the designated payment amount may be information designating a maximum amount for which the user intends to perform an installment payment this month. That is, the designated payment amount may be information in which the user sets the maximum amount allowed for the total installment payment scheduled amount for this month.

In detail, the terminal 100, based on the designated payment amount determined by the user input, when the settlement date is reached, if the total amount of the installment payment for the current month is less than the designated payment amount, the difference is covered according to a predetermined standard The amount (eg, the amount that fully covers the difference without exceeding the designated payment amount, etc.) may be pre-settled from the installment amount for the unpaid number of each transaction.

In addition, for this, the terminal 100 may automatically set at least one prepayment cycle for each transaction.

In more detail, first, the terminal 100 may provide a user interface for determining a designated payment amount based on a credit card service mobile application or the like.

Also, the terminal 100 may acquire a designated payment amount, which is information that specifies the maximum amount for which the user intends to perform an installment payment this month, based on a user input based on the provided interface.

In addition, the terminal 100 may automatically set at least one pre-payment cycle for each transaction based on the acquired designated payment amount.

For example, the terminal 100, when the total installment payment plan for this month (base month) is 300,000 won and the designated payment amount is set to 500,000 won, the difference is 200,000 won without exceeding the designated payment amount of 500,000 won You can set the number of prepayments for each transaction so that you can configure the amount that can cover the maximum amount. However, configuring the amount that the terminal 100 maximally covers the difference between the total installment payment plans without exceeding the designated payment amount is only an example, and is not limited thereto. Various embodiments are possible, such as setting a prepayment cycle.

For example, the terminal 100 performs an installment payment of 100,000 won per cycle for the first transaction for the reference month, the second transaction performs installment payment by 80,000 won per cycle, and the third transaction installs 90,000 won per cycle In the case of payment, the first installment amount is paid in advance in the first transaction, and the first installment amount is set to be prepaid in the third transaction, so that the difference does not exceed the designated payment amount of 500,000 won. The combination of prepayment cycles can be automatically set so that the optimal amount (that is, 190,000 won) that covers 200,000 won to the maximum is paid in advance.

In addition, the terminal 100 may determine an additional installment amount (in the example, 190,000 won) based on at least one or more automatically set pre-payment times for each transaction, and use the determined additional installment amount for the total installment payment of the base month. Updates applied to the scheduled amount, the total remaining installment amount after payment, and detailed information for each transaction can be performed.

For example, when the determined additional installment amount is 190,000 won, the terminal 100 increases the total installment payment amount scheduled for this month by 190,000 won, and decreases the total remaining installment amount after payment by 190,000 won. The payment amount of the detailed detail information of the first transaction may increase by 100,000 won, and the payment amount of the detailed detail information of the third transaction determined in advance to be performed in installments may increase by 90,000 won.

In addition, the terminal 100, with respect to the sub-graph 20 that displays information on the automatically set pre-payment cycle, at least from after excluding the payment cycle of the sub-graph 20 to the cycle determined as the pre-payment cycle One or more amortization point sections may be indicated with separate highlights.

For example, the terminal 100 may implement a highlight display for at least one installment cycle point section (prepayment point section) from after excluding the payment cycle to the cycle determined as the prepayment cycle as a double dotted line check section. .

That is, the terminal 100 displays information on at least one or more automatically set pre-payment times for each transaction through the sub graph 20, so that the information on the installment payment set to be paid in advance to satisfy the designated payment amount can be easily provided.

Also, the terminal 100 may perform the installment prepayment based on the automatically determined prepayment cycle.

In detail, the terminal 100 may perform an installment prepayment for performing the current month's payment for the installment amount by reflecting the additional installment amount based on at least one or more prepayment cycles for each transaction.

In an embodiment, the terminal 100 may generate installment prepayment information (transaction name, prepayment cycle and/or installment amount per cycle, etc.) in order to proceed with the installment prepayment, and use the generated installment prepayment information data processing system 200 .

And the data processing system 200 that has received the installment prepayment information from the terminal 100 may reflect the received installment prepayment information to proceed and process the installment payment process. At this time, the data processing system 200 may generate installment prepayment approval information indicating that the installment prepayment has been processed as a result of performing the installment payment process, and transmit the generated installment prepayment approval information to the terminal 100 . can Also, the data processing system 200 may update credit transaction history information matching the corresponding installment payment based on the installment prepayment information and the approval information.

Thereafter, the terminal 100 receiving the installment prepayment approval information from the data processing system 200 may complete the installment prepayment based on the received installment prepayment approval information.

At this time, when the installment prepayment is completed, the terminal 100 may update the highlight display for at least one installment cycle point section (prepayment point section) from after excluding the payment cycle to the cycle determined as the prepayment cycle. .

For example, the terminal 100 checks the prepayment point section implemented as a double dotted line check section on the sub graph 20 when the hill prepayment is completed, the same as the highlight display for the payment cycle in which the payment is actually completed. It can be displayed by changing it to a section.

As such, in the embodiment of the present invention, the terminal 100 automatically combines the installment prepayment amount suitable for the amount specified by the user, so that the user can perform the monthly installment payment tailored to the desired amount without additional effort. have.

In addition, the terminal 100 according to the embodiment integrates a plurality of months for which the installment amount is not paid, and performs an installment prepayment for collectively paying the installment amount charged for the integrated plurality of months in this month. may be

In detail, the terminal 100 may integrate at least some of the plurality of unpaid bills into one unit according to user settings.

In this case, the terminal 100 may set a plurality of unpaid circuits integrated into one unit as a prepayment period.

And, the terminal 100 may calculate the integrated installment amount charged for the unit by calculating the installment amount charged from each unpaid period integrated in the unit of day.

Also, the terminal 100 may determine an additional installment amount to be additionally paid in addition to the total installment payment scheduled amount of the current month, based on the calculated integrated installment amount.

In an embodiment, the terminal 100 may provide an integrated unit selection interface capable of selecting at least some of a plurality of unpaid bills based on the sub-graph 20 .

In addition, the terminal 100 may set the first unit by integrating at least some of the unpaid bills into one based on a user input based on the integrated unit selection interface.

For example, the terminal 100 may provide an integrated unit selection interface based on the third sub-graph when there is a third sub-graph including 12 unpaid bills.

In addition, the terminal 100 may detect a user input for integrating three unpaid bills into one unit on the third subgraph based on the provided interface.

And the terminal 100, based on the sensed user input, may integrate the three unpaid bills as a first unit.

Also, in the embodiment, the terminal 100 may obtain an integrated installment amount by calculating the total installment amount charged for the unpaid number included in the set first unit.

And, the terminal 100 may set the acquired integrated installment amount as an additional installment amount for the current month, and proceed with the installment advance payment.

For example, the terminal 100, based on the first unit of the third subgraph, may settle the installment amount charged from three unpaid periods included in the first unit, and integrated based on this The installment amount can be calculated.

In addition, the terminal 100 may set the calculated integrated installment amount as an additional installment amount for this month and proceed with the installment prepayment process.

That is, in the embodiment of the present invention, the terminal 100 bundles a plurality of months in which the installment amount is unpaid according to a user input, and the total installment amount charged for this is prepaid in this month, as a result, the user's selection There is an effect that the number of installment months can be changed according to the

Thereafter, the terminal 100 may reflect the calculated additional installment amount to the total installment payment scheduled amount for this month, the total remaining installment amount after payment, and detailed information information, and may be integrated on a daily basis at least of the times determined as the prepayment cycle. One or more amortization point sections may be indicated with separate highlights. The explanation for this will be replaced with the reflection of the additional installment amount described above.

Above, the method and terminal 100 for displaying an interaction specification for installment transaction details according to an embodiment of the present invention provides installment transaction details based on an interaction graph supporting user interaction, thereby providing installment transaction details can be recognized as a graphic image more easily and intuitively, and it has the effect of being able to display fluidly based on the user's desired point of view.

In addition, the method and terminal 100 for displaying an interaction specification table for installment transaction details according to an embodiment of the present invention is an interaction capable of intuitively recognizing a reference month, a paid installment cycle, and/or an unpaid installment cycle By providing the graph, there is an effect that it is possible to conveniently grasp the progress of the installment payment for the month that is the reference.

In addition, the method and terminal 100 for displaying an interaction specification for installment transaction details according to an embodiment of the present invention can determine a base month to check the installment transaction details based on the user's input to the interaction graph, and the determined It has the effect of being able to flexibly provide an interaction specification table for the base month.

In addition, the method and terminal 100 for displaying an interaction specification for installment transaction details according to an embodiment of the present invention, by applying different highlighting indications to the paid installment cycle and the unpaid installment cycle, the paid installment cycle and the unpaid installment cycle There is an effect that the installment cycle can be clearly identified and confirmed.

In addition, the method and the terminal 100 for displaying an interaction specification for installment transaction details according to an embodiment of the present invention enable prepayment for unpaid installment payments based on the implemented interaction specification table, so that an easy and intuitive interface It is possible to pre-settlement the remaining installment amount using

In addition, the embodiments according to the present invention described above may be implemented in the form of program instructions that can be executed through various computer components and recorded in a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include hard disks, magnetic media such as floppy disks and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floppy disks. medium), and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. A hardware device may be converted into one or more software modules to perform processing in accordance with the present invention, and vice versa.

The specific implementations described in the present invention are only examples, and do not limit the scope of the present invention in any way. For brevity of the specification, descriptions of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted. In addition, the connection or connection members of the lines between the components shown in the drawings exemplarily represent functional connections and/or physical or circuit connections, and in an actual device, various functional connections, physical connections that are replaceable or additional may be referred to as connections, or circuit connections. In addition, unless there is a specific reference such as “essential” or “importantly”, it may not be a necessary component for the application of the present invention.

In addition, although the detailed description of the present invention has been described with reference to a preferred embodiment of the present invention, those skilled in the art or those having ordinary knowledge in the art will appreciate the spirit of the present invention described in the claims to be described later. And it will be understood that various modifications and variations of the present invention can be made without departing from the technical scope. Accordingly, the technical scope of the present invention should not be limited to the contents described in the detailed description of the specification, but should be defined by the claims.

Claims (20)

In the processor of the terminal, an interaction credit card statementand display method for installment transaction details for displaying the installment transaction details based on an interaction graph supporting user interaction,
obtaining credit transaction history information;
generating an interaction specification table based on the acquired transaction history information;
performing the user interaction by displaying the generated interaction specification table; and
Displaying an interaction specification table changed according to the user interaction
How to display interaction details for installment transaction details. The method of claim 1,
The interaction specification table includes a total installment payment scheduled amount for this month based on the credit transaction history information, the total remaining installment amount after payment, detailed information for each transaction, and an interaction graph
How to display interaction details for installment transaction details. The method of claim 1,
The transaction details are
Installment transaction history information including payment destination, payment date, payment amount, installment period, payment period, and non-payment period information paid by installment
How to display interaction details for installment transaction details. 3. The method of claim 2,
The detailed information is
including the interaction graph generated based on the installment transaction history information matched for each transaction paid by the installment
How to display interaction details for installment transaction details. 5. The method of claim 4,
The step of generating the interaction specification table,
A main graph that displays the reference point of the interaction specification table by month based on the installment transaction history information and a sub graph that displays the installment period, payment cycle, and non-payment cycle for each transaction paid in installments (Sub graph)
How to display interaction details for installment transaction details. 6. The method of claim 5,
The main graph is an interaction graph that provides a plurality of wall point sections for selecting a reference point of the interaction specification table,
The sub-graph is an interaction graph including a turn point section indicating the number of payments and non-payment according to the reference point of the interaction specification table.
How to display interaction details for installment transaction details. 7. The method of claim 6,
setting a reference month based on a user input to the wall point section;
Further comprising the step of displaying the installment transaction history information matching the set reference month in the sub graph
How to display interaction details for installment transaction details. 8. The method of claim 7,
The performing of the user interaction includes operating the main graph and the sub graph in conjunction with each other.
How to display interaction details for installment transaction details. 9. The method of claim 8,
The step of operating in conjunction with
When the reference month is changed based on the user input to the wall point section of the main graph, at least one or more of the cycle points for displaying the payment cycle and the non-payment cycle of the sub graph based on the changed reference month which includes the steps of performing an update to the section
How to display interaction details for installment transaction details. 6. The method of claim 5,
The subgraph is
The payment and non-payment periods are separated and displayed with different highlighting marks.
How to display interaction details for installment transaction details. 4. The method of claim 3,
Further comprising the step of providing an installment prepayment interface,
The installment prepayment interface is an interface for setting at least a portion of the installment amount for the unpaid period to be prepaid in this month.
How to display interaction details for installment transaction details. 12. The method of claim 11,
The step of providing the installment prepayment interface comprises:
Based on a user input for selecting the turn point section of the subgraph, providing an installment prepayment based on a set-up for each transaction that determines the installment transaction to be paid in advance and the prepayment period
How to display interaction details for installment transaction details. 12. The method of claim 11,
The step of providing the installment prepayment interface comprises:
Providing an installment prepayment based on a designated payment amount for automatically determining a prepayment cycle based on a designated payment amount, which is information specifying the maximum amount allowed for the installment payment of the current month by the user
How to display interaction details for installment transaction details. 14. The method according to claim 12 or 13,
The prepayment round is,
One parameter for determining the total additional installment amount based on at least one installment cycle included in from after excluding the payment cycle to the prepayment cycle
How to display interaction details for installment transaction details. 6. The method of claim 5,
Incorporating a plurality of months in which the installment amount is unpaid, further comprising the step of collectively paying the installment amount charged in the integrated plurality of months
How to display interaction details for installment transaction details. 16. The method of claim 15,
The step of collectively paying the installment amount charged for the integrated plurality of months,
and providing an integrated unit selection interface for integrating and setting at least one non-payment among a plurality of the non-payment dues through the sub-graph
How to display interaction details for installment transaction details. 17. The method of claim 16,
The step of collectively paying the installment amount charged for the integrated plurality of months,
Consolidating a plurality of unpaid periods selected through the integrated unit selection interface into one payment unit, and calculating an integrated installment amount for the payment unit
How to display interaction details for installment transaction details. 18. The method of claim 17,
The step of collectively paying the installment amount charged for the integrated plurality of months,
Including the integrated installment amount in the total installment amount for this month, further comprising the step of performing an installment pre-payment process for payment in advance
How to display interaction details for installment transaction details. a touch screen for displaying an interaction specification table and receiving user input;
at least one processor for controlling the interaction specification table; and
and a memory for storing instructions for controlling the interaction specification table,
The instructions stored in the memory are
obtain at least one credit transaction information;
Create the interaction specification table based on the acquired transaction history information,
controlling the touch screen to display the generated interaction specification table, and performing the user interaction based on a user input for the displayed interaction specification table,
and a command for controlling the touch screen to display a changed interaction specification table according to the user's interaction,
The interaction specification table, the total installment payment scheduled amount for this month based on the credit transaction history information, the total remaining installment amount after payment, detailed information for each transaction and an interaction specification table display terminal for installment transaction details including an interaction graph. A non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores machine-executable instructions, wherein when executed by a processor, the machine-executable instructions cause the processor to To perform the method of displaying the interaction specification for the installment transaction details according to any one of the preceding paragraphs,
A non-transitory computer-readable storage medium.

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