KR20040040252A - System and Method for Management a Record of Expenditure by Using Client's Transaction Information - Google Patents

Abstract

The present invention relates to a method and system for managing expenditure history using customer transaction history information. The present invention relates to a payment processing terminal and an infrared payment (or smart card (IC card)) interface which is located in a product or service providing store. A payment transaction is generated between the processing terminal and the client PTD performing short-range infrared data communication for payment, and client transaction history information generated through the transaction is transmitted from the payment processing terminal to the client PTD via short-range infrared data communication; And providing the transaction history information received from the client PTD to the expenditure management server through a communication network, checking the transaction history information received from the client PTD from the expenditure management server, and classifying the transaction history. Database And storing the client expenditure classification details from the expenditure management server to a client terminal connected through a wired or wireless communication network.

Description

System and Method for Management a Record of Expenditure by Using Client's Transaction Information}

The present invention relates to a method and system for managing expenditure history using customer transaction history information, which is operated and operated from a client, and which is capable of receiving transactions and transaction information through short-range infrared data communication in connection with a payment processing terminal. Located on a payment processing terminal and a wired / wireless communication network including a terminal having a payment interface (hereinafter referred to as a PTD), a payment processing function through interaction with the PTD, and a function of transmitting transaction history information about the payment. And an expense management server for receiving transaction details information from the client PTD and managing spending details electronically with reference to the transaction details information.

The balance of payments for households is small compared to national finance or corporate accounting, but it is necessary to review income and expenditures, so that the trends need to be constantly managed and identified for better life planning.

The account book is generally used for managing and grasping the balance of the household, and it is true that the account book has been recorded and managed mainly offline. These households exist in a variety of ways, depending on the type of income, high and low income.

For example, if you look at a typical household account book, there are difficulties such as brief, item, income, expenditure, and balance. It is possible to classify many items at the same time, and to classify items, and to have a polynomial cash register that allows you to list any number of items per day, and requires specialized knowledge or skills. In addition, there are multiple households, which are used when there is a need to clarify the bond and debt situation, their interest rate calculation, and the increase and decrease of their assets.

In addition, it is used as a subsidiary book for the household account book, which is a simple pocket money notebook rather than a household account book. Envelopes of the household, which is a household book that draws out the money each time and writes the date, item, and amount at the same time. Useful graphs and account books.

The development of the Internet has resulted in the creation of sites that provide online accounts and a type of electronic account book that can be downloaded. This eliminates the hassle of users to purchase a monthly or yearly household, and makes it easier to use a more organized account.

However, the online account book and the electronic book book were not special except for simply implementing the form that was written using a writing tool on the web. For example, when a user purchases a product at a store and spends, the user still has to turn on the PC to enter a household account book and input his or her spending history. Was a factor.

An object of the present invention for resolving the above problems is located in a product or service providing store, between the payment processing terminal having an infrared payment interface and the client PTD performing a near-infrared data communication for payment with the payment processing terminal. When a payment transaction occurs, the client transaction history information generated through the transaction is transmitted through the near-infrared data communication from the payment processing terminal to the client PTD, and the received transaction history information is sent to the expenditure management server through the wireless communication network. The client terminal provides the transaction history information received from the client PTD from the expenditure management server, classifies the transaction history, stores the transaction in the database, and accesses the transaction history server from the expenditure management server through a wired / wireless communication network. By to provide clients with spend classification history, and the expenditure management method and system using a client transactions to provide.

1 is a simplified configuration diagram of the present invention comprising a client PTD connected to the expense management server through a expense management server and a communication network, and a payment processing terminal providing transaction history information to the PTD through short-range infrared data communication.

FIG. 2 is a simple flowchart illustrating a process of acquiring transaction details information from the payment processing terminal through short-range infrared data communication to transmit transaction details information from the client PTD to the expense management server.

3 is a client PTD having acquired transaction history information from a payment processing terminal through near-infrared data communication, and transmits the acquired transaction history information to an expense management server on a wireless communication network, and refers to the transaction history information from the expense management server. This is a simple flow chart for the process of providing the expense management service of the client.

FIG. 4 is an example of a simple PTD screen in which transaction details information, which is transmitted from a payment processing terminal to a client PTD through short-range infrared data communication and is provided to the expense management server, is output on the client PTD.

FIG. 5 is an exemplary view of a simple web browser screen in which an expense management service is provided from an expense management server with reference to client transaction information transmitted from a client PTD.

FIG. 6 is a present invention comprising a client smart card (or IC card) connected to the expense management server through a expense management server and a communication network, and a payment processing terminal for providing transaction details information to the smart card (or IC card). A simple schematic is shown.

7 is a smart card (or IC card) obtains transaction history information from the payment processing terminal and transmits it to the expense management server, and provides the expense management service of the client with reference to the transaction history information from the expense management server. Here is a simple flow chart of the process.

8 is an exemplary diagram of transaction history information data transmitted from the payment processing terminal to the client smart card (or IC card) and provided to the expense management server.

<Description of main parts of drawing>

100: expense management server 105: PTD certification unit

110: expenditure information check unit 115: expenditure information storage unit

120: expenditure management evaluation unit 125: personal information database

130: expenditure information database 135: PTD (Personal Trusted Device)

140: payment processing terminal 145: communication network

The present invention relates to a method and system for managing expenditure history using customer transaction history information, which is operated and operated from a client, and which is capable of receiving transactions and transaction information through short-range infrared data communication in connection with a payment processing terminal. Located on a payment processing terminal and a wired / wireless communication network including a terminal having a payment interface (hereinafter referred to as a PTD), a payment processing function through interaction with the PTD, and a function of transmitting transaction history information about the payment. And an expense management server for receiving transaction details information from the client PTD and managing spending details electronically with reference to the transaction details information.

The present invention also provides a payment processing terminal, an infrared payment interface, a payment processing terminal, a payment processing terminal, and a payment processing terminal, which are located in a product or service providing store, to provide a method for managing spending history using client transaction details through the above components. Generating a payment transaction between the client PTD for performing short-range infrared data communication for the client, and transmitting the client transaction history information generated through the transaction from the payment processing terminal to the client PTD through short-range infrared data communication; Providing the transaction history information received from the PTD to the expenditure management server through a communication network; checking the transaction history information received from the client PTD from the expenditure management server, and classifying the transaction history into a database;And Chapter step comprises the step of providing the spend management server, the client spent classification history to the client terminal connected through a wired or wireless communication network from a.

In addition, the present invention further includes providing evaluation information on the expenditure breakdown history.

In addition, according to the present invention, the infrared communication for payment between the client PTD and the payment processing terminal in the product or service providing store refers to infrared communication for short-range infrared payment and data transmission and reception, and the infrared communication is IrDA (Infrared Data Association). It specifies that near infrared communication based on IrFM (IrDA Financial Messaging), memory near-infrared communication, and all other near-infrared communication are included.

For example, the IrFM is a standard for financial and payment using infrared rays issued by the Infrared Data Association (IrDA), in conjunction with an IC chip in which financial and payment information in the PTD of the client is recorded. It is a short-range infrared communication method for communicating with a payment processing terminal of a product and service providing store.

In general, a transaction based on near-infrared data communication refers to data communication between a near-infrared data communication server and a near-infrared data communication client. In the present invention, a client PTD and a payment processing terminal are configured to perform the near-infrared data. It acts as a communication server and a near field infrared data communication client. However, it is noted that the near-infrared data communication server and the near-infrared data communication client may fluctuate depending on which of the PTD or payment processing terminal first transmits or requests information at the beginning of a transaction operation.

Transaction history information transmitted from the payment processing terminal to the client PTD may be in the form of a transaction record or an electronic receipt at the completion of a transaction between the payment processing terminal and the client PTD. The record includes information such as trade name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code), and the transaction record is transmitted to the expense management server through the client PTD. do.

The expenditure management server is connected to the client PTD including the transaction record or electronic receipt through a wired or wireless communication network, matching the transaction record or electronic receipt data received from the PTD with the personal information of the client, Provide expenditure management services to clients.

The client personal information included in the expense management server includes PTD information owned by the client, a client ID, an expense management server access password, a mobile communication number, and the like.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 provides a client PTD 135 connected to the expense management server 100 through the expense management server 100 and the communication network 145 and transaction information to the PTD 135 through short-range infrared data communication. It is a simple configuration of the present invention consisting of a payment processing terminal 140.

According to the present invention, the expense management server 100 obtains the transaction history information from the client PTD (135) that receives the transaction history information on the goods, such as purchased from the payment processing terminal 140 located in the goods or service providing stores, etc. , The transaction history information, and serves to provide the expenditure management service of the client based on the transaction details, and in more detail, the expenditure management server 100, the PTD authentication unit 105, and the expenditure information confirmation unit 110. ), The expenditure information storage unit 115, the expenditure management evaluation unit 120, the client personal information database 125, and the expenditure information database 130.

PTD authentication unit 105 in the expense management server 100 in conjunction with the personal information database 125, prior to receiving the transaction information transmitted from the PTD 135, the PTD 135 and the PTD-enabled client It is a function to confirm the authentication, the PTD authentication unit 105 is capable of checking the personal authentication information recorded on the IC chip mounted or detached in the PTD (135), and also through the PTD (135) Confirmation of an authentication code (password, etc.) input from the client, and authentication through a mobile communication number, a mobile IP, a terminal number, and the IC chip serial number of the PTD 135 may be performed.

The expense information checking unit 110 in the expense management server 100 checks the client transaction history information transmitted from the PTD 135 after the PTD 135 and the client authentication are completed through the PTD authentication unit 105. Function The expenditure information checking unit 110 is a trade name, a registration number (business registration number), a terminal number, a transaction date, a payment cost, a product or a service name (product or service code) of the product or service provider included in the transaction history information. Information, such as a barcode), and classifies by expenditure classification item by reference to the transaction history information and provides the expenditure information storage unit 115 in the expenditure management server 100.

In addition, the expenditure classification item is predetermined by the client or the expenditure management server 100, and can be set by date, date, place (region), store, product, and amount.

The expenditure information storage unit 115 in the expenditure management server 100 has a function of storing the expenditure information of the client classified by the expenditure classification items provided from the expenditure information confirming unit 110 with the client personal information, The stored expense management history of the client enables the client to check through the wired / wireless communication network 145.

The expenditure management evaluation unit 120 in the expenditure management server 100 grasps the increased expenditure (overexpenditure) and the like from the expenditure history of the client for each month or for a specific period, by item or expenditure classification, and provides the same to the client. It plays a role.

The personal information database 125 in the expense management server 100 includes a client ID, an access password, a mobile communication number of the client PTD 135, a mobile IP, a terminal number, an IC chip serial number mounted on the PTD 135, and It is a database that records personal authentication information recorded on the IC chip.

The expenditure information database 130 interworking with the expenditure management server 100 is a database that stores preset expenditure classification items and client expenditure management details classified according to the expenditure classification items.

Client PTD 135 (Personal Trusted Device) means any mobile device capable of a transaction based on near-infrared data communication, PTD (135) is a near-infrared data according to the first occurrence of the near-infrared data communication transaction It can operate as a communication server and a near-infrared data communication client. For example, when the PTD 135 sends an initial transaction signal to the payment processing terminal 140, the PTD 135 is a short-range infrared data communication server, and the payment processing terminal 140 is a short-range infrared data communication client. If the payment processing terminal 140 sends an initial transaction signal to the PTD 135, the payment processing terminal 140 is a near-infrared data communication server, and the PTD 135 is a near-infrared data. It acts as a communication client.

In addition, the PTD 135 is a transaction from the payment processing terminal 140 through a short-range infrared data communication transaction based on the short-range infrared data communication with the payment processing terminal 140 located in the product or service providing store. Receives the history information (Transaction Record or Electronic Receipt, etc.) and transmits to the expense management server 100. In addition, the PTD 135 includes an IC chip in which mobile financial settlement information is recorded, and the IC chip mounted on the PTD 135 is basically a one chip method, but a dual chip ( It includes both Dual Chip or Dual Slot.

According to the present invention, the client PTD 135 is equipped with a transaction module for near-infrared payment based on near-infrared data communication. The transaction module is mounted on the PTD 135 in hardware or software, and works in conjunction with the IC chip mounted on the PTD 135 to help the near-infrared payment based on near-infrared data communication. In addition, the transaction module receives transaction information of the client transmitted through the infrared communication network based on short-range infrared data communication from the payment processing terminal 140, the transaction history storage area or the PTD 135 of the IC chip. ) To store in a separate transaction history storage memory, and to transmit to the expenditure management server 100 through a batch transmission in real time or batch method.

The client PTD 135 receiving the transaction history information transmitted from the payment processing terminal 140 through the infrared communication network based on short-range infrared data communication transmits the transaction history information to the expense management server 100 according to the present invention. In order to transmit the transaction history information to the expense management server 100, the client inputs and transmits a wireless URL of the expense management server 100 using the keypad of the PTD 135, or The wireless URL of the expense management server 100 may be pre-stored and used.

The payment processing terminal 140 refers to a Point Of Sales (POS) terminal, a Credit Authorization Terminal (CAT), etc., located in a store for providing a product or service, and according to the present invention, the IRFM-based short-range infrared communication It has a near infrared port and a processor.

2 is a process in which the PTD 135 obtains transaction history information through short-range infrared data communication from the payment processing terminal 140 in order to transmit transaction history information from the client PTD 135 to the expense management server 100. Here is a simple flow chart.

In a product or service providing store, a client requests a payment request for a purchased product or a service to be used by a client using a PTD 135 (Personal Trusted Device) capable of short-term infrared data communication with an IC chip having a financial settlement function. If the payment processing terminal 140 is performed through the near-infrared payment using the 135 (200), first, the PTD 135 and the payment processing terminal 140 are valid for near-infrared data communication with each other for infrared payment. It is confirmed (205).

Determination of the validity of the near-infrared data communication for the infrared payment is first made by mutual recognition of each device through detection between the PTD 135 or the payment processing terminal 140. First, according to whether or not the access request for the infrared data communication, it is divided into a near infrared data communication server and a near infrared data communication client.

When the validity of the near-infrared data communication between the client PTD 135 and the payment processing terminal 140 is confirmed (210), the near-infrared data communication between the PTD 135 or the payment processing terminal 140 for infrared payment is performed. Based on the infrared communication channel is formed, the PTD 135 and the payment processing terminal 140 is switched to the standby mode for data communication (215).

When an infrared communication channel is established between the PTD 135 and the payment processing terminal 140, the PTD 135 and the payment processing terminal 140 initiate a short-range infrared data communication transaction for payment of a product or service provided by a client. (220).

When a near-infrared data communication transaction for payment between the PTD 135 and the payment processing terminal 140 is initiated, the payment processing terminal 140 transmits purchase history information about the purchased goods of the client through the infrared communication channel. It transmits to the PTD 135, and requests a payment approval response for the payment (225).

When purchase history information about the purchase goods of the client and the like is received from the payment processing terminal 140 through the near-infrared data communication, the transaction module in the PTD 135 checks the purchase history information and the PTD Output on 135 to allow the client to confirm 230.

In addition, the transaction module in the PTD 135 selects a payment method in association with an IC chip that can be mounted or detached in the PTD 135, and transmits a payment approval response to the payment processing terminal 140 ( 235). The payment processing terminal 140 obtaining the payment approval response from the PTD 135 through the near-infrared data communication performs the payment processing using the payment means selected from the PTD 135 (240).

The payment processing terminal 140 confirms that the payment processing is completed (245) and outputs the transaction history information through the monitor or display device of the payment processing terminal 140 and provides the transaction history information to the client PTD 135. (250). Transaction history information provided from the payment processing terminal 140 to the PTD 135 through short-range infrared data communication refers to a transaction record or an electronic receipt.

However, if the payment means provided from the PTD 135 is not valid, the payment processing is not completed (255), and the payment processing terminal 140 outputs a payment error message for the payment means (260).

The PTD 135 receiving the transaction history information provided through the near-infrared data communication from the payment processing terminal 140 stores the transaction history information in the transaction history information memory of the IC chip or a separate transaction history information memory in the PTD 135. Save (265).

3 shows that the client PTD 135, which has acquired transaction history information from the payment processing terminal 140, transmits the transaction information obtained from the payment processing terminal 140 to the expense management server 100 on the wireless communication network 145. With reference to the transaction history information from the expenditure management server 100, a simple flow diagram for the process of providing the client's expenditure management service.

PTD 135 receiving the transaction details information using the near-infrared data communication from the payment processing terminal 140 through the process of FIG. 2 (300) to transmit the transaction details information to the expense management server 100 A connection request is made to the expense management server 100 through the wireless communication network 145 (305). The connection attempt to the expense management server 100 may be made by inputting a wireless URL of the expense management server 100 or using the URL of the expense management server 100 stored in the PTD 135.

Transaction history information transmitted from the PTD 135 to the expense management server 100 may be transmitted in real time when the PTD 135 completes the transaction with the payment processing terminal 140, and also accumulates the transaction history information for a certain period of time. You can also send them in batches.

If the PTD 135 is able to access the expenditure management server 100 via the wireless communication network 145 (310), the PTD 135 informs the expenditure management server 100 of the transmission of the client transaction details information ( 315, the PTD authentication unit 105 in the expense management server 100 authenticates the client and the PTD 135 (320).

Client and PTD 135 authentication of the PTD authentication unit 105 is the personal authentication information recorded on the IC chip mounted or detached in the PTD 135, the authentication code input from the client through the PTD 135 ( Password, etc.), the mobile communication number, the mobile IP, the terminal number of the PTD 135, and the like through the identification of the IC chip serial number.

When the PTD 135 and the client authentication are completed through the PTD authentication unit 105 in the expense management server 100 (325), the expense information checking unit 110 in the expense management server 100 is the PTD 135 Check the transaction history information transmitted from the (330), and classifies by spending items with reference to the transaction history information (335).

In order to classify the transaction item information by the expenditure item, the expenditure information checking unit 110 is linked with the expenditure information database 130, and the expenditure information database 130 includes a classification option for expenditure classification (item, By date, by region, by store, etc.).

When the transaction history information is classified through the expenditure information checking unit 110, the expenditure information storage unit 115 in the expenditure management server 100 matches the PTD 135 information or the client personal information with the classified expenditure item. For each transaction to store (340).

In addition, the expenditure management server 100 provides an evaluation of the expenditure items of the client on a monthly or other specific period by referring to the transaction details of the expenditure item of the client through the expenditure management evaluation unit 120. The evaluation is an overexpenditure compared to the previous month, or select an item having a high cost (345), and provides a message for the items, the client through the wired and wireless communication network 145 the expense management server 100 In step 350, the evaluation information may be provided.

4 is a simple PTD transmitted from the payment processing terminal 140 to the client PTD 135 through the near-infrared data communication, and the transaction history information provided to the expense management server 100 is output on the client PTD 135. An example screen 135 is shown.

The client PTD 135 obtains the transaction history information in the form of payment processing transaction record or electronic receipt after the payment processing for the product or service provision from the payment processing terminal 140 is completed. The PTD 135, which has acquired transaction history information through the near-infrared data communication, outputs the transaction history information received on the PTD 135 screen.

The transaction history information in the form of payment processing transaction record or electronic receipt includes information such as trade name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code).

In addition, the PTD 135 transmits transaction history information obtained from the payment processing terminal 140 to the expense management server 100 through the wireless communication network 145.

5 is an exemplary diagram of a simple web browser screen in which the expense management service is provided from the expense management server 100 with reference to the client transaction information transmitted from the client PTD 135 (or smart card).

The expenditure management server 100 receiving the transaction history information transmitted through the wireless communication network 145 in the PTD 135 provides the expenditure management service as shown in the figure to the corresponding client with reference to the transaction history information. The expenditure management service includes a kind of household accounting function, and determines whether an overexpenditure on each item or a period is provided to the client.

The figure is an example of a screen outputting the expenditure classification, expenditure item, store (code), expenditure amount, expenditure date and the like on a table in the form of a table, the classification item may be preset by the client or expenditure management service provider In addition, the present invention is not limited to the classification items shown in the drawings.

The following embodiment is different from the above-described example in which the transaction history is received from the payment processing terminal through the near-infrared data communication using the PTD 135 and provided to the expenditure management server. By using a smart card (or IC card) having a data storage space, transaction history information is obtained from a payment processing terminal, recorded or stored in the predetermined data storage space, and then a smart card (or IC card) reader or the like. The present invention relates to an embodiment for providing to the expense management server through a client PC (or an Internet terminal, etc.) having a wireless terminal connected with the smart card (or IC card).

6 shows a client smart card (or IC card) 600 and the smart card (or IC card) 600 connected to the expense management server 100 via the expense management server 100 and the communication network 145. It is a simple configuration of the present invention consisting of a payment processing terminal 140 for providing transaction history information.

This figure is located in a store providing goods or services, the payment processing terminal for providing payment history information using the smart card (or IC card) 600 of the client and the smart card (or IC card) 600. 140 and a client-owned smart card (or IC card) 600 capable of financial settlement and having a predetermined data storage space, and located on a wired / wireless communication network, and the client smart card (or IC card). Receiving the transaction history information from the 600, with reference to the transaction history information, characterized in that it comprises a spending management server 100 for managing the expense history electronically.

This embodiment provides the goods or services from the payment processing terminal 140 of the product or service providing store in order to provide a method for managing spending details using the smart card (or IC card) 600 through the above components. Providing payment transaction history information to the client-owned smart card (or IC card) 600; and sending the transaction history information stored in the smart card (or IC card) 600 from the client to the expense management server ( 100), classifying and storing the payment transaction history information from the expense management server 100 in a predetermined database by matching the personal information of the client, and from the expense management server 100 Providing the payment transaction history information (or expense history) classified and stored in the database to the client connected through the communication network. It comprise the system.

In addition, the present invention further includes providing evaluation information on the expenditure breakdown history.

According to the present invention, the smart card (or IC card) 600 possessed by the client has a predetermined data storage space for acquiring transaction details for the provision of goods or services, and the smart card from the payment processing terminal. Client payment transaction information stored in the IC card 600 is provided to an expense management server that provides expense management services through wired or wireless communication.

Transaction history information stored in a smart card (or IC card) may be transmitted through a PC or a information terminal (KIOSK) equipped with a smart card (or IC card) reader capable of recognizing the smart card (or IC card) 600. The expense management server 100 can be provided.

In addition, the transaction information stored in the smart card (or IC card) 600 may be provided to the expense management server through a wireless terminal interworking with the smart card (or the IC card) 600.

Transaction history information transmitted from the payment processing terminal 140 to the client smart card (or IC card) 600 is a transaction record between the payment processing terminal 140 and the client smart card (or IC card) 600. Or Electronic Receipt, which includes information such as trade name, registration number (business registration number), terminal number, transaction date, payment cost, product or service name (or code). Included, the transaction record is transmitted to the expense management server 100 via the client smart card (or IC card) 600.

The expense management server 100 is connected to a client smart card (or IC card) including the transaction record or electronic receipt, etc. through a wired or wireless communication network, the transaction record or received from the smart card (or IC card) or The electronic receipt data 600 is matched with the personal information of the client to provide expenditure management services for the client.

Client personal information included in the expense management server 100 includes smart card (or IC card) information owned by the client, terminal information, client ID, expense management server access password, mobile communication number, and the like.

According to the present invention, the expenditure management server 100 from the client smart card (or IC card) 600 provided with transaction details information about the goods purchased from the payment processing terminal 140 located in the goods or service providing stores, etc. Acquires transaction history information, refers to the transaction history information, and serves to provide expenditure management services of the client based on the transaction history. More specifically, the expenditure management server 100, the authentication unit 105, and expenditures. The information confirmation unit 110, the expenditure information storage unit 115, the expenditure management evaluation unit 120 and the client personal information database 125, the expenditure information database 130 is composed of.

The authentication unit 105 in the expense management server 100 works in conjunction with the personal information database 125 and prior to the receipt of transaction details transmitted from the smart card (or IC card) 600, the smart card (or IC card) and the smart card (or IC card) using the function of confirming the authentication of the client, the authentication unit 105 in conjunction with the smart card (or IC card) 600, the client PC or Confirmation of an authentication code (password, etc.) input from an information terminal, etc., and authentication via a card number, client PC IP, terminal number, and IC chip serial number of the smart card (or IC card) 600 is possible. Do.

The expenditure information checking unit 110 in the expense management server 100 after the smart card (or IC card) 600 and the client authentication is completed through the authentication unit 105, the smart card (or IC card) 600 It checks the client transaction history information provided from). The expenditure information checking unit 110 is a trade name, a registration number (business registration number), a terminal number, a transaction date, a payment cost, a product or a service name (product or service code) of the product or service provider included in the transaction history information. Information, such as a barcode), and classifies by expenditure classification item by reference to the transaction history information and provides the expenditure information storage unit 115 in the expenditure management server 100.

In addition, the expenditure classification item is predetermined by the client or the expenditure management server 100, and can be set by date, date, place (region), store, product, and amount.

The expenditure information storage unit 115 in the expenditure management server 100 has a function of storing the expenditure information of the client classified by the expenditure classification items provided from the expenditure information confirming unit 110 with the client personal information, The stored expense management history of the client enables the client to check through the wired / wireless communication network 145.

The expenditure management evaluation unit 120 in the expenditure management server 100 grasps the increased expenditure (overexpenditure) and the like from the expenditure history of the client for each month or for a specific period, by item or expenditure classification, and provides the same to the client. It plays a role.

The personal information database 125 in the expense management server 100 includes a client ID, an access password, a mobile communication number of the client, client PC IP information, a terminal number, and an IC chip mounted on the smart card (or IC card) 600. It is a database that records serial numbers and personal authentication information recorded on the IC chip.

The expenditure information database 130 interworking with the expenditure management server 100 is a database that stores preset expenditure classification items and client expenditure management details classified according to the expenditure classification items.

The smart card (or IC card) 600 is provided with transaction information (Transaction Record or Electronic Receipt, etc.) from the payment processing terminal 140 located in the product or service providing store, Store in a predetermined database, and serves to provide this to the expense management server 100. In addition, the smart card (or IC card) 600 includes an IC chip in which financial settlement information is recorded.

The payment processing terminal 140 refers to a point of sales (POS) terminal, a credit authorization terminal (CAT), etc., located at a store providing goods or services. According to the present invention, the payment processing terminal 140 may include a smart card (or an IC card). It includes a financial settlement interface used, and serves to provide payment transaction history information to the smart card (or IC card).

7 is a smart card (or IC card) 600 obtains the transaction history information from the payment processing terminal 140 and transmits it to the expense management server 100, the transaction history information from the expense management server 100 For reference, a simple flow diagram of a process for providing the expense management service of the client.

In a product or service providing store, a client requests a payment request for a purchased product or a service to be used by the payment processing terminal 140 using an IC chip-based smart card (or IC card) 600 having a financial settlement function. If it is carried out (700), first, the smart card (or IC card) 600 and the payment processing terminal 140 checks the validity for financial settlement (705).

When the validity of the financial settlement between the client smart card (or IC card) 600 and the payment processing terminal 140 is confirmed (710), the payment processing terminal performs the payment processing for providing the goods or services of the client, and payment The transaction history information is generated (715).

The payment processing terminal which has generated payment transaction history information causes 720 to provide the payment transaction history information to a predetermined data storage area of a client smart card (or IC card).

The client that receives the transaction information from the payment processing terminal 140 to his smart card (or IC card) 600 requests a connection to the expenditure management server in order to receive the expenditure management service through the transaction history information ( 725). The client can be connected via a client PC or kiosk equipped with the smart card (or IC card) reader. In addition, it is possible to access a wireless network through a wireless terminal that can operate in conjunction with the smart card (or IC card).

In addition, the client PC (or Internet terminal, etc.), kiosk and wireless terminal are equipped with a program or processor related to the recognition and operation of the smart card (or IC card) to achieve the above process.

If it is possible to access the expense management server 100 using the smart card (or IC card) 600 (730), and informs the transmission of the client transaction history information stored in the smart card (or IC card) 600 In operation 735, the authentication unit 105 in the expense management server 100 authenticates the client and smart card (or IC card) 600 (740).

The authentication of the client and the smart card (or IC card) 600 of the authentication unit 105 is the personal authentication information recorded on the IC chip mounted or detached in the smart card (or IC card) 600, the smart card (Or IC card) 600 to confirm the authentication code (password, etc.) input from the client PC, the client's wireless terminal mobile communication number, mobile IP, terminal number, card number, the IC chip serial number, etc. Is done through.

When the smart card (or IC card) 600 and the client authentication is completed through the authentication unit 105 in the expense management server 100 (745), the expense information checking unit 110 in the expense management server 100 is The transaction history information stored in the smart card (or IC card) 600 and transmitted through the Internet terminal is confirmed (750), and the expenditure is classified according to the expenditure item with reference to the transaction history information (755).

In order to classify the transaction item information by the expenditure item, the expenditure information checking unit 110 is linked with the expenditure information database 130, and the expenditure information database 130 includes a classification option for expenditure classification (item, By date, by region, by store, etc.).

When the transaction information is classified through the expenditure information checking unit 110, the expenditure information storage unit 115 in the expenditure management server 100 matches the smart card (or IC card) 600 information or the client personal information. To store the transaction history for each of the classified expenditure items (760).

In addition, the expenditure management server 100 provides an evaluation of the expenditure items of the client on a monthly or other specific period by referring to the transaction details of the expenditure item of the client through the expenditure management evaluation unit 120. The evaluation results in overspending compared to the previous month, or selects items with a high cost (765), and provides a message for the items, the client through the wired and wireless communication network 145, the expense management server 100 In step 770, the evaluation information may be provided.

8 is a simplified illustration of transaction history information data transmitted from the payment processing terminal 140 to the client smart card (or IC card) 600 and provided to the expense management server 100.

The client smart card (or IC card) 600 obtains the transaction history information in the form of the payment processing transaction record or electronic receipt after the payment processing for the product or service provision from the payment processing terminal 140 is completed, and the smart card. (Or IC card) 600 is stored in a predetermined data storage space, which is a simple diagram of transaction information information provided from the payment processing terminal 140 to the client smart card (or IC card) 600. It is an illustration.

The transaction history information in the form of payment processing transaction record or electronic receipt includes information such as trade name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code).

In addition, the transaction history information provided from the payment processing terminal 140 to the smart card (or IC card) 600 is transmitted to the expense management server 100 through the communication network 145.

According to the present invention, a terminal (hereinafter referred to as a PTD (Personal Trusted Device)) operating and operating from a client and having an infrared payment interface capable of receiving transactions and transaction details through short-range infrared data communication in connection with a payment processing terminal ( Or a smart card (or an IC card), and a payment processing terminal and a wired / wireless communication network including a payment processing function through interaction with the PTD and a function of transmitting transaction history information about the payment, from the client PTD. Receive the transaction history information from the payment processing terminal by means of near-infrared data communication through the expense management server which receives the transaction history information and refers to the transaction history information, and electronically manages the expenditure history. The transaction management information is transmitted to the expense management server. By providing the expenditure management service for the transaction history information from the server, the user (client) has an advantage that the expenditure item management can be more conveniently performed without inputting the expenditure item for the account book creation.

Claims (34)

A client terminal having an infrared payment interface (hereinafter referred to as a PTD (Personal Trusted Device)); A payment processing terminal for transmitting payment transaction history information to the client terminal; And Located on a wired / wireless communication network, receiving transaction history information from the client terminal, and matching the transaction history information with the personal information of the client and storing it in a predetermined database to provide an expense management service for the client. Spend history management system using the customer transaction history information, characterized in that comprising a; management server. The method of claim 1, wherein the infrared payment, Using near infrared communication based on IrDA Financial Messaging (IrFM) of the Infrared Data Association (IrDA), At least one case of using the near-infrared communication of the memory type, the expenditure management system using the customer transaction history information, characterized in that it comprises at least one. The method of claim 1, wherein the transaction history information, A transaction record between the payment processing terminal and the client terminal, or Expenditure history management system using customer transaction history information, characterized in that the electronic receipt (Electronic Receipt) form. The method of claim 3, wherein the transaction record or the electronic receipt comprises: At least one or more of the store name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code). The method of claim 1, wherein the client personal information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management system using the customer transaction history information, characterized in that it comprises at least one client mobile communication number. The method of claim 1, wherein the expense management server, An authentication unit for authenticating the client terminal and / or the client; After the authentication of the client terminal and / and the client through the authentication unit is completed, the expenditure information confirmation unit for checking the transaction history information transmitted from the client terminal and classifies by a predetermined expense classification item; And Expenditure history using the customer transaction history information, characterized in that it comprises a; expenditure information storage unit for storing the expenditure information of the client classified by the expenditure classification items provided from the expenditure information confirmation unit and matching the client personal information; Management system. The method of claim 6, wherein the expenditure classification item, Spend history management system using the customer transaction history information, characterized in that it comprises at least one or more classification by date, place (area), classification by store, classification by product, classification by amount. The method of claim 1 or 6, wherein the expense management server, Compared to the previous month or a specific period, the customer transaction characterized in that it further comprises an expenditure management evaluation unit for identifying the increased expenditure (excess expenditure) by item or expenditure classification among the expenditure history of the client, and provides it to the client Expenditure history management system using history information. The method of claim 1 or 6, wherein the expense management server, A personal information database that records at least one of the client ID, the access password, the mobile communication number of the client terminal, the mobile IP, the terminal number, the IC chip serial number mounted on the terminal, and the personal authentication information recorded on the IC chip. Expenditure history management system using customer transaction history information, characterized in that further comprises. The method of claim 1 or 6, wherein the expense management server, The expenditure classification management system using the customer transaction history information, characterized in that it further comprises an expenditure classification database for storing the expenditure management items that can be set in advance and the expenditure management details of the client classified according to the expenditure classification items. The method of claim 1, wherein the client terminal, Expenditure history management system using customer transaction history information, characterized in that it is equipped with a transaction module for near-infrared payment based on near-infrared data communication. The method of claim 1, wherein the client terminal, Spend history management system using the customer transaction history information, characterized in that it comprises an IC chip recorded financial settlement information. In the payment according to the provision of goods or services, a client terminal having an infrared payment interface, a payment processing terminal for transmitting payment transaction information to the client terminal, and receiving transaction details from the client terminal to manage the spending history of the client. Characterized in that it comprises a expense management server, Providing payment transaction history information according to the provision of goods or services from the payment processing terminal to the client terminal; Providing the payment transaction history information to the expense management server from the client terminal; Classifying and storing the payment transaction history information from the expense management server in a predetermined database by matching the personal information of the client; And Providing the payment transaction history information (or expenditure history) classified and stored in the database to the client connected to the client via the wired / wireless communication network from the expense management server; . The method of claim 13, wherein the infrared payment, Using near infrared communication based on IrDA Financial Messaging (IrFM) of the Infrared Data Association (IrDA), At least one case of using the near-infrared communication of the memory method, characterized in that the spending history management method using the customer transaction history information. The method of claim 13, wherein the transaction history information, A transaction record between the payment processing terminal and the client terminal, or Spend history management method using the customer transaction history information, characterized in that the electronic receipt (Electronic Receipt) form. The method of claim 15, wherein the transaction record, or electronic receipt, Method of managing expenditure history using customer transaction history information comprising at least one of a business name, a registration number (business registration number), a terminal number, transaction date and time, payment cost, product or service name (or code). The method of claim 13, wherein the client personal information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management method using the customer transaction history information, characterized in that it comprises at least one client mobile communication number. The method of claim 13, wherein the expenditure history provided to the client connected through the wired / wireless communication network from the expenditure management server, Method for managing expenditure history using the customer transaction history information, characterized in that it comprises at least one or more classification history, classification by place (region), classification by store, classification by product, classification by amount. The method of claim 13, wherein the expenditure history provided to the client connected through the wired / wireless communication network from the expenditure management server, How to manage the expenditure history using the customer transaction history information, characterized in that the amount of expenditure (overexpenditure) in the expenditure history of the client compared to the previous month or a specific period for each item or expenditure classification to provide to the client . A client-owned smart card (or IC card) capable of financial settlement and having a predetermined data storage space; A payment processing terminal for providing payment transaction history information to the smart card (or IC card); And Located on a wired / wireless communication network, the client receives the transaction details stored in the smart card (or IC card), matches the transaction details with the personal information of the client, and stores the transaction information in a predetermined database. Expenditure management server for providing expenditure management services to the client; spending history management system using the customer transaction history information comprising a. The method of claim 20, wherein the transaction history information, A transaction record between the payment processing terminal and the smart card (or IC card), or Expenditure history management system using customer transaction history information, characterized in that the electronic receipt (Electronic Receipt) form. The method of claim 21, wherein the transaction record, or electronic receipt, At least one or more of the store name, registration number (business registration number), terminal number, transaction date and time, payment cost, product or service name (or code). The method of claim 20, wherein the client personal information, The client smart card (or IC card) information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management system using the customer transaction history information, characterized in that it comprises at least one client mobile communication number. The method of claim 20, wherein the expense management server, An authentication unit for authenticating the client smart card (or IC card) and / or the client; After the authentication of the client smart card (or IC card) and / or the client is completed through the authentication unit, the transaction history information stored in the smart card (or IC card) provided from the client is checked, and according to a predetermined expense classification item. Expenditure information checking unit to classify; And Expenditure history using the customer transaction history information, characterized in that it comprises a; expenditure information storage unit for storing the expenditure information of the client classified by the expenditure classification items provided from the expenditure information confirmation unit and matching the client personal information; Management system. The method of claim 24, wherein the expenditure classification item, Spend history management system using the customer transaction history information, characterized in that it comprises at least one or more classification by date, place (area), classification by store, classification by product, classification by amount. The method of claim 20 or 24, wherein the expense management server, Compared to the previous month or a specific period, the customer transaction characterized in that it further comprises an expenditure management evaluation unit for identifying the increased expenditure (excess expenditure) by item or expenditure classification among the expenditure history of the client and provides the client to the expenditure Expenditure history management system using history information. The method of claim 20 or 24, wherein the expense management server, And a personal information database which records at least one of the client ID, the access password, the client smart card (or IC card) information, the terminal number, and the personal authentication information recorded on the smart card (or IC card). Expenditure history management system using customer transaction history information. The method of claim 20 or 24, wherein the expense management server, The expenditure classification management system using the customer transaction history information, characterized in that it further comprises an expenditure classification database for storing the expenditure management items that can be set in advance and the expenditure management details of the client classified according to the expenditure classification items. When payment is provided by a product or service, payment is possible, and payment processing for transmitting payment transaction details information to the client-owned smart card (or IC card) and the smart card (or IC card) having a predetermined data storage space. Receiving the transaction history information stored in the smart card (or IC card) from the terminal and the client, characterized in that it comprises a spending management server for managing the spending history of the client, Providing payment transaction details according to the provision of goods or services from the payment processing terminal to the client-owned smart card (or IC card); Providing the transaction history information stored in the smart card (or IC card) from the client to the expense management server; Classifying and storing the payment transaction history information from the expense management server in a predetermined database by matching the personal information of the client; And Providing the payment transaction history information (or expenditure history) classified and stored in the database to the client connected to the client via the wired / wireless communication network from the expense management server; . The method of claim 29, wherein the transaction history information, Transaction Record between the payment processing terminal and the smart card (or IC card), or Spend history management method using the customer transaction history information, characterized in that the electronic receipt (Electronic Receipt) form. 31. The method of claim 30, wherein the transaction record, or electronic receipt, Method of managing expenditure history using customer transaction history information comprising at least one of a business name, a registration number (business registration number), a terminal number, transaction date and time, payment cost, product or service name (or code). The method of claim 29, wherein the client personal information, The client smart card (or IC card) information, The client terminal information, The client ID, Expenditure management server access password of the client, Spend history management method using the customer transaction history information, characterized in that it comprises at least one client mobile communication number. 30. The method of claim 29, wherein the expense history provided to the client connected through the wired / wireless communication network from the expense management server, Method for managing expenditure history using the customer transaction history information, characterized in that it comprises at least one or more classification history, classification by place (region), classification by store, classification by product, classification by amount. 30. The method of claim 29, wherein the expense history provided to the client connected through the wired / wireless communication network from the expense management server, How to manage the expenditure history using the customer transaction history information, characterized in that the amount of expenditure (overexpenditure) in the expenditure history of the client compared to the previous month or a specific period for each item or expenditure classification to provide to the client .