WO2012013059A1 - Method and apparatus for managing user consumption particulars - Google Patents

Abstract

The present invention provides a method and an apparatus for managing user consumption particulars. The method mainly includes: extracting consumption notification short messages from the received messages in a mobile terminal of a user; according to the preset consumption particulars extraction rules, extracting the consumption particulars information from the content of the consumption notification short messages, and storing the consumption particulars information. The invention can use the mobile terminal of a user and the preset consumption particulars extraction rules to extract consumption particulars from the content of consumption notification short messages, and conveniently help users reconcile and manage the consumption particulars information cross-banks and cross-cards.

Description

 Method and apparatus for managing consumption details of a user. The present application claims to apply for a Chinese patent application entitled "Method and Apparatus for Managing Consumption Details of Users" submitted on June 30, 2010, with the application number of 201010242553.X. Priority is hereby incorporated by reference in its entirety. TECHNICAL FIELD The present invention relates to the field of communications technologies, and in particular, to a method and apparatus for managing a user's consumption details. BACKGROUND OF THE INVENTION With the improvement of living standards, bank cards and credit cards are becoming more and more popular, and most people have multiple credit cards of multiple banks. At the same time, people's financial management concepts are getting stronger and stronger, and people are increasingly demanding management and reconciliation of their own consumption details.

 Currently, most banks offer a wealth of SMS alerts. For example, a monthly bill reminder short message, a single transaction reminder text message, and a reminder text message for a new financial service launched by the bank.

 One method in the prior art for managing the user's consumption details is as follows: By using the client software installed on the computer, the user manually inputs the detailed consumption details of each transaction to realize personal financial management.

In the process of implementing the present invention, the inventors have found that the above-mentioned prior art method for managing the consumption details of the user has the following disadvantages: detailed consumption details for each transaction, including consumption time, consumption amount, consumption content, etc. All users need to manually enter in order to achieve reconciliation and management, which is time-consuming and labor-intensive. Summary of the invention The embodiment of the invention provides a method and a device for managing a user's consumption details, so as to solve the problem that the user manually enters the detailed consumption details of each transaction, which is time-consuming and labor-intensive.

 A method of managing a user's consumption details, including:

 Extracting a consumption reminding message from the short message received by the user's mobile terminal;

 The consumption detailed information is extracted from the short message content of the consumption reminding message according to a preset consumption detail extraction rule, and the consumption detailed information is stored.

 A device for managing a user's consumption details, including:

 The consumption reminding message obtaining module is configured to extract a consumption reminding message from the short message received by the user's mobile terminal;

 The consumption detail extraction module is configured to extract consumption detail information from the short message content of the consumption reminding message extracted by the short message filtering module according to a preset consumption detail extraction rule, and store the consumption detailed information. As can be seen from the technical solution provided by the foregoing embodiments of the present invention, the embodiment of the present invention implements the use of the user's mobile terminal and a preset consumption detail extraction rule to extract the consumption detailed information from the short message content of the consumption reminding short message. It can solve the problem that the detailed consumption details of the user manually input each transaction is time-consuming and laborious, and can help the user to conveniently perform the reconciliation and management of the consumption details of the bank and the cross-bank card. BRIEF DESCRIPTION OF THE DRAWINGS In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some implementations of the present invention. For example, other drawings may be obtained from those skilled in the art without any inventive labor.

FIG. 1 is a flowchart of a method for managing a user's consumption details according to Embodiment 1 of the present invention; 2 is a flowchart of a method for managing a user's consumption details provided by the second embodiment of the present invention, as an example of the credit card received by the user's mobile terminal;

 FIG. 3 is a schematic diagram of a specific implementation structure of an apparatus for managing a user's consumption details according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS In order to facilitate the understanding of the embodiments of the present invention, several specific embodiments will be taken as an example in conjunction with the accompanying drawings.

 The processing flow of the method for managing the consumption details of the user is shown in FIG. 1 and includes the following processing steps:

 Step 11. Establish a number database of reminding short messages of each bank and a content sample library of reminding short messages, and generate a short message classification template, a short message filtering rule, and a consumption detail drawing rule according to the number library and the content sample library.

 Obtain the sending number of each bank's reminder SMS and the content sample of the reminder SMS from the public channel. For example, for China Merchants Bank's customers, each ATM withdrawal information, China Merchants Bank will give the user a text message reminder. Similarly, you can obtain SMS reminder numbers from China and the world's major banks such as Ping An Bank and China Minsheng Bank, as well as sample content of various reminder SMS messages.

The reminder short message number database is established according to the sending number of the reminder short message of each bank, and the reminding short message number library stores the short message reminding number and bank information of each bank. According to the content sample of the reminder SMS of each bank, a content sample library for reminding short messages is established, and the content sample library stores the short message samples of each bank, and the content sample includes: a sending number, a bank name, and a short message content. For example, China Merchants Bank ATM withdrawal reminder SMS sending number is 95555. The SMS content format is as follows: Your card is ** ** ** ** ** ** points a renminbi yuan ATM transaction, if any Question, speed 95555 [招招 Commercial Bank]. Ping An Bank Credit Card Reminder SMS Sending Number is 9551 1 , and the SMS content format is: Your last ****'s Ping An Credit Card will be spent on ****** on RMB**.**, Come and participate in the Festival High II-Week Week 3 Pen 7 Gifts [Ping An Bank]. Ping An Bank reminds the SMS that the amount of consumption is followed by advertising content.

 A content sample of the reminder message is obtained from the content sample library of the above reminder message, and a short message classification template is generated according to the content sample. The bank's transaction alert SMS categories include: ATM withdrawal reminder, credit card single transaction reminder, credit card pre-authorization transaction reminder, credit card monthly billing message, ATM deposit reminder, credit card credit adjustment reminder and advertising text message; among them, ATM withdrawal, credit card The pen transaction reminder belongs to a single transaction reminder message.

 The above short message classification template can be represented by a regular expression. For example, China Merchants Bank's credit card single transaction reminder text message is: Your CMB credit card with the number 3436 is RMB 256.05 at 18:4 on December 24th. Call Air China to book a ticket to enjoy the discount, and reply to CA for details [China Merchants Bank]. The template for the credit card single transaction reminder SMS of China Merchants Bank is: "Your name [0-9] + CMB credit card". In the same way, each bank's ATM withdrawal reminder text message, credit card pre-authorization transaction reminder text message, credit card monthly bill, and other types of SMS text message classification templates are generated.

 In this way, each type of reminder message for each bank has a short message classification template corresponding to it, and a short message classification template library is established by synthesizing the short message classification templates of each bank. For the short message received by the user's mobile terminal, each short message classification template in the short message classification template library is matched with the short message content, and the type of the short message can be obtained according to the matching result.

 The above SMS classification template library is used to distinguish the category of the short message. The SMS filtering rule determines which category of SMS needs further account extraction, and which category of SMS should be filtered out. The SMS filtering rules for consumption detailed bill management are: Reserve ATM withdrawal reminder SMS, credit card single transaction reminder SMS two categories of SMS; Filter out other categories of SMS, such as credit card pre-authorization transaction reminder SMS, monthly billing SMS, etc.

There are two options for generating an account detail extraction rule: 1. Generate account extraction rule scheme one

 A consumption detail extraction rule is established for each category of reminder text messages of each bank, and the consumption detail extraction rules include: a consumption time extraction rule, a transaction category extraction rule, a transaction amount extraction rule, and a bank card information extraction rule.

 The consumption detail information includes: consumption time, transaction amount, bank card information, and transaction category, and the above consumption time extraction rule is used to extract consumption time; the above transaction amount extraction rule is used to extract transaction amount; the above transaction category extraction rule is used for extraction The transaction category, the transaction category information is divided into a credit card transaction and an ATM transaction; the above bank card information extraction rule is used to extract the user's bank card number information.

 Take the credit card consumption reminder SMS of China Merchants Bank as an example. The reminder message is as follows:

 Your CMB's credit card at ** ** ** ** ** ** points

 For China Merchants Bank's ATM withdrawal category, you can use the regular expression to create a consumption detail extraction rule:

 The regular expression for the extraction rule of bank card information is: "The tail number [0-9]+,, ; The regular expression of the consumption time extraction rule is: "[0-9]+month[0-9]+day[ 0-9]+[0-9]+points; The regular expression of the transaction amount extraction rule is: "RMB [0-9].*? Yuan", and the transaction category is credit card transaction.

 In the same way, for China Merchants Bank's credit card single transaction reminder SMS to establish a consumer detail extraction rules.

 In the same way, for each bank's ATM withdrawal reminder SMS, credit card single transaction reminder SMS to establish consumer details extraction rules.

 2. Generate account extraction rule scheme 2

 A unified consumption detail extraction rule is established for each type of reminder text message of each bank, and the consumption detail extraction rule also includes: a consumption time extraction rule, a transaction category extraction rule, a transaction amount extraction rule, and a bank card information extraction rule.

The first is the consumption time extraction rule. By analyzing the SMS content in the SMS content sample database, The summary of a variety of commonly used trading rules, the establishment of a time extraction rule base, the above transaction rules are time extraction rules. The extraction rule can also be expressed by a regular expression. The time extraction rule base contains multiple extraction rules, that is, regular expressions extracted at multiple times.

 When doing time extraction, each time extraction rule in the above-mentioned establishment time extraction rule base is used for time extraction, and as long as there is a time extraction rule capable of extracting time, the extracted time is consumption time.

 In the same way, a transaction amount extraction rule base, a transaction category extraction rule base, and a bank card information extraction rule base are separately established.

 Step 12: Obtain the reminder message sent by each bank.

 When the mobile terminal of the user receives the short message, the mobile terminal acquires the sending number of the short message. According to the above reminder short message number library, it is judged whether it is a reminder short message sent by the bank, and if it is a reminder short message sent by the bank, step 13 is performed; otherwise, the process ends.

 Step 13: Filter the foregoing reminder message according to the foregoing short message classification template and the short message filtering rule, and obtain a single consumption reminding short message that needs to be managed by the consumption detail management.

 The short message classification template is matched with the short message content of the bank reminding message, and the category of the short message is determined according to the matching result. Then, according to the above-mentioned short message filtering rule and the type of the short message, it is determined whether the short message belongs to a single consumption reminding short message that needs to be subjected to consumption detail management, that is, whether the short message belongs to the ATM withdrawal reminding short message or the credit card single transaction reminding short message. SMS of each category, if yes, go to step 14; otherwise, the process ends.

 Step 14. Extract the consumption details from the short message according to the above-mentioned consumption detail extraction rule

 After filtering out the SMS withdrawal reminder text message and the credit card single transaction reminding message type two types of short message, the consumption detailed information needs to be extracted from the filtered short message according to the above-mentioned consumption detail extraction rule.

First, according to the rule of generating the extraction rule one According to the sending number and the short message category of the single consumption reminding message, the purchasing detail extraction rule corresponding to the short message category is obtained from the extraction rule base, and the consumption detail extraction rule includes: a consumption time rule expression, a transaction amount rule expression, a bank Card information expression rule expressions and transaction class expressions. Then, according to the above various expressions, information such as consumption time, transaction amount, bank card information, and transaction category are extracted from the above-mentioned single consumption reminding SMS.

 Second, according to the rule of generating the extraction rule scheme 2, the sub-table uses the expressions to extract the consumption time in the single consumption reminder message. There will definitely be an expression extraction success, and other expression extractions fail. The result of the successful extraction is the consumption time.

 In the same way, the transaction amount, bank card information, and transaction category information are extracted from the above-mentioned single consumption reminder message.

 Step 15. Save the above consumption details and remind the user to enter more transaction information. The above-mentioned extracted consumption detailed information is reminded to the user, and the user's mobile terminal is reminded to input more transaction information, and the more transaction information may include: purchasing commodity information and consumption locations. The purchase item information may be a product name and a product category information. The place of consumption can be information such as the name of the supermarket, the name of the store, and the city.

The user can also directly save and save the extracted consumption details without inputting more transaction information. In this embodiment, the user's mobile terminal, the preset reminder short message number library, the short message classification module, and the consumption detail extraction rule are used to extract the consumption detailed information from the short message content of the consumption reminding short message received by the user's mobile terminal. It can solve the problem that the detailed consumption details of the user manually entering each transaction is time-consuming and laborious, and can help the user to conveniently realize the reconciliation and management of the consumption detailed information. Embodiment 2 For example, the processing flow of the method for managing the consumption details of the user is as shown in FIG. 2, which includes the following processing steps. :

 Step 21: Establish a short message classification template, a short message filtering rule, and a consumption detail extraction rule according to the short message reminder number library of each bank and the content sample library of the reminding short message.

 Before obtaining the reminder message, first collect the content sample database of each bank's reminder short message number database and reminder short message, and generate a short message classification template, a short message filtering rule and a consumption detail extraction rule according to the content sample of the reminding short message.

 1. Collect the sending number of each bank's reminder SMS and the content sample of the reminder SMS, and establish a reminder SMS number library and a reminder SMS content sample database.

 1. Create a reminder SMS number library

 Obtain the sending number of the reminder SMS of each bank from the public channel, and establish a reminder short message number library. The format of the reminding short message number library can be:

2. Create a content sample library for reminding SMS

 The bank's transaction alert SMS categories include: ATM withdrawal reminder, credit card single transaction reminder, credit card pre-authorization transaction reminder, credit card monthly billing SMS and ATM deposit reminder.

For example, for China Merchants Bank's customers, each ATM withdrawal information, China Merchants Bank will give users a text message reminder. China Merchants Bank ATM withdrawal reminder SMS number is 95555. The format of SMS content is as follows: Your card will have an RMB transaction of RMB 300.00 at 15:24 on December 15th. If in doubt, Speed 95555 [Investment bank]. Ping An Bank Credit Card Reminder SMS Sending Number is 95511. The format of the SMS content is: Your safe credit card with the number 6587 will be RMB100.50 at 15:30 on December 20th. Come and participate in the high section II-Weekly Week 3 7 Gift [Ping An Bank]. Ping An Bank reminds the SMS that the amount of consumption is followed by the advertising valley.

 Similarly, you can obtain examples of the format of the SMS sending number and various reminder text messages from China or the world's major banks such as Bank of China and China Minsheng Bank. A content sample library for reminding a short message is created, and the content sample library includes: a sending number, a corresponding bank information, and a short message content. The format of the content sample library of the above reminder SMS can be:

Participate in the high 11_ week and week 3 pen 7 gift [Ping An Bank].

 Credit card pre-grant

 Trading

 Credit card monthly

 Bill

 ATM deposit

 95566

Second, the establishment of SMS classification template, SMS filtering rules

 In this step, a short message classification template is first constructed, and short messages are classified by a short message classification template. Then, a short message filtering rule is constructed, and the short message filtering rule determines which type of short message is a category to be processed by the embodiment of the present invention. For example, the category may be two single-sales reminder short messages for credit card single transaction and ATM withdrawal.

 1, build SMS classification template

 The content sample of the reminder message of each short message type of each bank is obtained from the short message content sample library, and the corresponding short message category template is generated according to the content sample of the reminder short message. The above SMS category template can also be represented by a regular expression.

 For example, China Merchants Bank's credit card single transaction reminder text message is: Your China Merchants Bank credit card of 3436 is priced at RMB 256.05 at 18:4 on December 24th. Call Air China to book a ticket hotline to enjoy the benefits, reply CA to learn more [China Merchants Bank]. The classification template of the credit card single transaction reminder SMS of China Merchants Bank can be the following regular expression:

Your CMB credit card of [0-9]+ is [0-9]+month[0-9]+day[0-9]+[0-9]+point consumption RMB[0-9].+ Yuan In the same way, a short message classification template is created for each type of reminder text message of each bank, and saved in the short message classification template. The format of the short message classification template library can be as follows:

2, establish SMS filtering rules

 The short message filtering rule in the embodiment of the present invention is to filter out two kinds of single-storage categories of credit card single transaction and ATM withdrawal.

 Third, generate consumption detail extraction rules

 A consumption detail extraction rule is established for each category of reminder text messages of each bank, and the consumption detail extraction rules include: a consumption time extraction rule, a transaction category extraction rule, a transaction amount extraction rule, and a bank card information extraction rule.

 The above-mentioned consumption details include: consumption time, transaction amount, bank card information, and transaction category, and the transaction category information is divided into credit card transactions and ATM transactions.

 Take the credit card consumption reminder SMS of China Merchants Bank as an example. The reminder message is as follows:

 Your CMB's credit card at ** ** ** ** ** ** points

 For China Merchants Bank's ATM withdrawal category, you can use regular expressions to express the consumption details of the consumption details:

 The regular expression for the extraction rule of bank card information is: "The tail number [0-9]+,, ; The expression of the consumption time extraction rule is: "[0-9]+month[0-9]+day[0 -9]+[0-9]+points; transaction amount extraction rule "RMB[0-9].*?yuan", the transaction category is credit card transaction.

 In the same way, the China Merchants Bank ATM withdrawal reminder SMS establishes the consumption detail extraction rules. In the same way, the credit card consumption reminder message and the ATM withdrawal reminder message of other banks are established to establish a consumption detail extraction rule.

 The consumption detail extraction rules of each bank are saved in the consumption detail extraction rule base, and the format of the consumption detail extraction rule base can be as follows:

Transaction amount RMB [0-9].*? Yuan bank card information expensive card [0-9] + transaction category ATM

 Credit card bill consumption time [0-9] + month [0-9] + pen transaction 曰 [0-9] + time [0-9] + minute transaction amount RMB [0-9]. *? Yuan bank card information tail No. [0-9]+ Trading Class Credit Card

95511

 Credit card spending time [0-9]+month [0-9]+曰 pen transaction [0-9]+: [0-9]+

 Transaction amount RMB[0-9]+\.[0-

9]+

 Bank Card Information Tail Number [0-9]+ Trading Category Credit Card

In practical applications, a collection of different types of short message content of each bank may be collected, and a unified consumption detail extraction rule is established for each type of reminder short message of each bank, and the consumption detail extraction rule also includes: a consumption time extraction rule, Transaction category extraction rules, transaction amount extraction rules, and bank card information extraction rules.

 The consumption time extraction rule, the transaction category extraction rule, the transaction amount extraction rule, and the bank card information extraction rule in the above unified consumption detail extraction rule are all composed of a plurality of regular expressions.

In this embodiment, the collected credit card single transaction reminder texts of each bank are as follows: Your card will have a RMB 300.00 RMB ATM payment at 15:24 on December 15 Easy, if in doubt, Speed 95555 [China Merchants Bank].

 Your China Merchants Bank credit card with the number 3436 and RMB 256.05 at 18:4 on December 24th. Call the Air China booking hotline to purchase tickets and enjoy the discount, reply to CA for details [China Merchants Bank].

 Your safe credit card with the number 6587 and RMB100.50 at 15:30 on December 20, come and participate in the festival high 11-weekly week 3 7-level gift [Ping An Bank].

 According to the above information, the extraction rule expressions of the unified consumption time of each bank are summarized as follows: Expression 1, [0-9]+month[0-9]+曰[0-9]+[0-9]+point ; Expression 2, [0-9]+month[0-9]+曰[0-9]+:

[0-9]+

 The expression of the transaction amount extraction rule is: expression 1 , RMB[0-9]+\.[0-9]+ ; expression 2, RMB [0-9].*?

 The expression rules for the extraction of bank card information are: expression 1, tail number [0-9]{4}; expression 2, expensive card [0-9]{4}

 The extraction rule expression for a transaction category is: Expression 1, ATM; Expression 2, Credit Card. The above unified consumption detail extraction rule is saved in the consumption detail extraction rule base, and the format of the consumption detail extraction rule base can be as follows:

贵卡[0-9]{4}

Transaction category ATM

 Credit Card Step 22. Use the SMS number library to judge the received SMS as the reminder SMS of China Merchants Bank. After the user's mobile terminal receives the short message, the mobile terminal obtains the short message reminder number of each bank from the above-mentioned reminding short message number database, and checks whether the short message sending number is the bank's short message reminding number.

 For example, taking the short message received by the user's mobile terminal as the credit card single consumption reminder SMS of China Merchants Bank, the sending number is 95555. The content of the short message is: The China Merchants Bank credit card with the tail number 3436 and the RMB at 18:4 on December 24 256.05 yuan. Call the Air China booking hotline to purchase tickets and enjoy the discount, reply to CA for details [China Merchants Bank]. The sending number of the above-mentioned short message is 95555, which exists in the reminder short signal code library, and the short message code library is considered to be the reminder short message of China Merchants Bank, and the following step 23 is performed.

 If the sending number of the above short message does not exist in the short message number library, the process ends.

 Step 23: Using the short message classification template to determine that the short message is a credit card single transaction reminding short message of China Merchants Bank.

 After receiving the short message number and the short message content, the short message number is obtained according to the short message number of the bank corresponding to the bank. In this embodiment, the short message number is 95555, corresponding to China Merchants Bank. Therefore, all the SMS classification templates of China Merchants Bank are obtained from the SMS classification template library, including: ATM withdrawal template, credit card single transaction reminder template, and the like.

The regular expressions of all the short message classification templates of China Merchants Bank and the short message content are matched respectively. Among them, China Merchants Bank's credit card single reminder SMS category template expression is "Your tail number [0-9] + CMB credit card and [0-9] + month [0-9] + day [0-9] + [0-9] + points consumption RMB [0-9]. + yuan. *". With the above SMS content "Your Tactical Credit Card of 3436 and the consumption of RMB 256.05 at 18:4 on December 24th. Call the Air China booking hotline to enjoy the discount, reply CA to understand the details [Investment Bank]. " The match is successful. It is considered that this SMS is a credit card single transaction reminder SMS of China Merchants Bank. Step 24: Use China Merchants Bank's credit card single transaction to remind the SMS consumption details extraction rules, or use the unified consumer details extraction rules, from the above SMS Extract consumption details.

 After judging that the short message is the credit card single transaction reminding message of China Merchants Bank, when the consumption detail extraction rule is established for each bank different types of reminder text messages, the credit card list of China Merchants Bank can be obtained from the consumption detail drawing rule base. The pen transaction reminds the SMS of the consumption details extraction rules. For example, the consumption detail extraction rule is as follows:

 Spending time: [0-9]+month [0-9]+曰[0-9]+[0-9]+ points

 Transaction amount: RMB [0-9].*? Yuan

 Bank card information: Tail number [0-9]+

 Transaction category: Credit card

 In this embodiment, the content of the short message is: The credit card of your tail number 3436 and the consumption of RMB 256.05 at 18:4 on December 24th. Call the Air China booking hotline to purchase tickets and enjoy the discount, reply to CA for details [China Merchants Bank]. "

 The regular expression of consumption time is: "[0-9]+month[0-9]+day[0-9]+[0-9]+point", match the regular expression with the above SMS content , get the 18:4 on December 24, add the time to the current year, that is, get the specific consumption time information.

 The regular expression of the transaction amount is: "RMB [0-9].*? Yuan", which matches the above SMS content, and the transaction amount is RMB 256.05.

 The regular expression of the transaction category is "credit card", which matches the above SMS content, and the transaction category is credit card consumption.

 When a unified consumption detail extraction rule is established for each type of reminder text message of each bank, the consumption time extraction rule, the transaction category extraction rule, the transaction amount extraction rule in the unified consumption detail extraction rule are obtained from the consumption detail extraction rule base. , bank card information extraction rules.

In this embodiment, the extraction rule expression of the consumption time is: Expression 1, [0-9]+month[0-9]+ 曰[0-9]+[0-9]+ points; expression 2, [0-9]+month[0-9]+day[0-9]+: [0-9]+

 The expression of the transaction amount extraction rule is: expression 1 , RMB[0-9]+\.[0-9]+ ; expression 2, RMB [0-9].*?

 The expression rules for the extraction of bank card information are: expression 1, tail number [0-9]{4}; expression 2, expensive card [0-9]{4}

 The extraction rule expression for a transaction category is: Expression 1, ATM; Expression 2, Credit Card. In this embodiment, the content of the short message: "The credit card of your tail number 3436 and the consumption of RMB 256.05 at 18:4 on December 24th. Call the Air China booking hotline to enjoy the discount, reply CA to learn more.

[China Merchants Bank]. "

 Matching the above message content with the regular expression of the above consumption time, the expression 1 "[0- 9]+month[0-9]+曰[0-9]+: [0-9]+" is not matched Result; Expression 2, "[0-9]+月[0-9]+日[0-9]+[0-9]+分" matches the content of the SMS, and the consumption time is December 24th 18 At 4 points, add the time to the current year, and get the specific consumption time information.

 Match the above message content with the regular expression of the above transaction amount, expression 1, "RMB[0-9]+\.[0-9]+" matches fail; expression 2, "renminbi[0-9] .*? Yuan" matches the content of the SMS, and the transaction amount is RMB256.05.

 The regular expression of the bank card information is matched with the above-mentioned short message content to obtain the bank card information "tail number 3436".

 Match the above message content with the regular expression of the transaction category to get the transaction category as credit card consumption.

 Step 25: Display the consumption details to the user through the information window, and prompt the user to enter more transaction information such as product information and consumption location in the information window.

 After obtaining the short message type and the consumption detailed information of the short message, an information window may be popped up on the user's mobile terminal, and the above-mentioned consumption detailed information is displayed in the information window.

For ATM withdrawal reminder SMS, you can simply remind the user to confirm, no need to input more Trading Information. For the credit card single consumption reminding SMS in the embodiment, the user may be prompted to input more transaction information such as product information and consumption location in the above information window.

 In this embodiment, the content of the consumption detailed information displayed in the above information window is: The bank card of the tail number 3436 2009. The credit card consumption at 18:4 on December 24, the amount is RMB 256.05. The user can enter the product information and the consumption location information in the above information window, and the content of the finally obtained information window can be as follows:

 Bank card with tail number 3436

 200912月24日 18:4

 Credit card spending two amount

 For RMB 256.05

 More transaction information:

 Product information Adibo shoes consumption location Sunshine Bay This embodiment realizes the use of the user's mobile terminal and pre-set reminder SMS number library, SMS classification module and consumption details extraction rules, from the bank's credit card single-use consumption reminder SMS text message Extracting the consumption details information in the content can solve the problem that the user manually enters the detailed consumption details of each transaction, which can be time-consuming and labor-intensive, and can help the user conveniently realize the reconciliation and management of the consumption detailed information. An embodiment of the present invention further provides an apparatus for managing a user's consumption details, and a specific implementation structure thereof is shown in FIG. 3, and includes the following modules:

 The consumption reminding message obtaining module 32 is configured to extract a consumption reminding message from the short message received by the user's mobile terminal;

 The consumption detail extraction module 33 is configured to extract consumption detail information from the short message content of the consumption reminding short message extracted by the short message filtering module according to a preset consumption detail extraction rule, and store the consumption detailed information.

The device may further include: The resource information management module 31 is configured to establish a reminder short message number database according to the sending number of the reminding short message of each bank;

 According to the content sample of the reminder SMS of each bank, a short message classification template is established for each category of reminder short messages of each bank;

 According to the content sample of the consumption reminder SMS of the consumption detail management, a short message filtering rule is established;

 According to the content sample of the consumption reminding SMS of each bank, the consumption detailing rule for each category of each bank is separately established; or, according to the content sample of the consumption reminding SMS of each bank, the consumption of all categories of all banks is Remind SMS to establish a unified consumption detail extraction rule.

 The consumption reminding message includes: an ATM withdrawal reminding message and a credit card single transaction reminding short message. The short message classification template and the consumption detail extraction rule are represented by a regular expression. The user interaction module 34 is configured to pop up an information window on the user's mobile terminal, display the consumption detailed information in the information window, and prompt the user to input other consumption detailed information in the information window.

 The consumption reminding message obtaining module 32 may specifically include:

 The reminder short message obtaining module 321, is configured to extract, according to the reminding short message number library, the reminding short message sent by each bank from the short message received by the mobile terminal of the user;

 The reminder short message classification module 322 is configured to classify, by using the short message classification template, the reminding short message sent by each bank extracted by the reminding short message obtaining module;

 The reminder SMS filtering module 323 is configured to filter, according to the short message filtering rule, the reminding short message sent by each bank after the classified short message classification module, and obtain a consumption reminding short message.

The consumption detail extraction module 33 may specifically include: a consumption time extraction module 331, At least the item in the easy-to-category extraction module 332, the transaction amount extraction module 333, and the bank card information extraction module 334, wherein

 The consumption time extraction module is configured to extract the consumption time from the consumption reminding message according to the consumption time extraction rule in the consumption detail extraction rule;

 a transaction category extraction module 332, configured to extract a transaction category from the consumption reminder short message according to a transaction category extraction rule in the consumption detail extraction rule;

 a transaction amount extraction module 333, configured to extract a transaction amount from the consumption reminding message according to the transaction amount extraction rule in the consumption detail extraction rule;

 The bank card information extraction module 334 is configured to extract bank card information from the consumption reminder message according to the bank card information extraction rule in the consumption detail extraction rule. A person skilled in the art can understand that all or part of the process of implementing the above embodiment method can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium. In execution, the flow of an embodiment of the methods as described above may be included. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM). In summary, the embodiment of the present invention realizes that the user's mobile terminal and the preset consumption detail extraction rule are used to extract the consumption detailed information from the short message content of the consumption reminding short message, which can solve the detailed information of the user manually entering each transaction. The problem of time-consuming and labor-intensive consumption information can help users to easily realize the reconciliation and management of consumption details across banks and bank cards.

For each consumption detail, the user no longer needs to manually input the consumption details, which makes the user's reconciliation more convenient. Since the user's mobile terminal can be carried around, the embodiment of the present invention can help the user to perform reconciliation, statistics, and management of the consumption detailed information anytime and anywhere, without worrying about missing. The above is only a preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily think of changes or within the technical scope disclosed by the present invention. Alternatives are intended to be covered by the scope of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

Claim

 A method for managing a user's consumption details, comprising: extracting a consumption reminding short message from a short message received by a user's mobile terminal;

 The consumption detailed information is extracted from the short message content of the consumption reminding message according to a preset consumption detail extraction rule, and the consumption detailed information is stored.

 2. The method for managing a user's consumption details according to claim 1, wherein the method further comprises: before extracting the consumption reminding message from the short message received by the user's mobile terminal, the method further comprising:

 Establish a reminder SMS number library according to the sending number of the reminder SMS of each bank;

 According to the content sample of the reminder SMS of each bank, a short message classification template is established for each category of reminder short messages of each bank;

 According to the content sample of the consumption reminder SMS for consumption detail management, a short message filtering rule is established.

 The method for managing the consumption details of the user according to claim 2, wherein the extracting the consumption reminding short message from the short message received by the mobile terminal of the user comprises: according to the short message number database Extracting a reminder message sent by each bank from the short message received by the user's mobile terminal;

 And classifying the reminding short messages sent by the extracted banks by using the short message classification template;

 According to the short message filtering rule, the reminding short message sent by each bank after the classified processing is filtered to obtain a consumption reminding short message.

 The method of managing the consumption details of the user according to claim 3, wherein the method further comprises:

According to the content sample of the consumption reminding SMS of each bank, the consumption detailing rules for each category of each bank are separately established; or,

 According to the content sample of each bank's consumption reminder SMS, a unified consumption detail extraction rule is established for all types of consumption reminder messages of all banks.

 5. The method of managing consumption details of a user according to claim 4, wherein the consumption detail extraction rule is represented by a regular expression.

 The method for managing a user's consumption details according to any one of claims 1 to 5, wherein the content is from the short message content of the consumption reminding message according to a preset consumption detail extraction rule. Extract consumption details, including:

 Extracting the consumption time from the consumption reminding short message according to the consumption time extraction rule in the consumption detail extraction rule;

 Extracting a transaction category from the consumption reminding short message according to the transaction category extraction rule in the consumption detail extraction rule;

 Extracting the transaction amount from the consumption reminding short message according to the transaction amount extraction rule in the consumption detail extraction rule;

 And extracting bank card information from the consumption reminder short message according to the bank card information extraction rule in the consumption detail extraction rule.

 The method for managing a user's consumption details according to claim 6, wherein the method further comprises:

 An information window pops up on the user's mobile terminal, the consumption details are displayed in the information window, and the user is prompted to enter other consumption details in the information window.

 A device for managing a user's consumption details, comprising: a consumption reminding message acquiring module, configured to extract a consumption reminding message from a short message received by the user's mobile terminal;

a consumption detail extraction module, configured to extract consumption detail information from the short message content of the consumption reminding message extracted by the short message filtering module according to a preset consumption detail extraction rule, The consumption details are stored.

 The device for managing the consumption details of the user according to claim 8, wherein the device further comprises:

 a resource information management module, configured to establish a reminder short message number library according to the sending number of the reminder short message of each bank;

 According to the content sample of the reminder SMS of each bank, a short message classification template is established for each category of reminder short messages of each bank;

 According to the content sample of the consumption reminder SMS of the consumption detail management, a short message filtering rule is established;

 According to the content sample of the consumption reminding SMS of each bank, the consumption detailing rule for each category of each bank is separately established; or, according to the content sample of the consumption reminding SMS of each bank, the consumption of all categories of all banks is Remind SMS to establish a unified consumption detail extraction rule.