WO2018101523A1 - Personal card transaction details processing system and method, and computer program - Google Patents

Abstract

A personal card transaction details processing system comprises a first user device of a personal card user and a management service server. The first user device is configured to store account information or card information of the user, receive personal card transaction details from a card company server by means of a scrapping or electronic document interchange method using the account information or the card information, and transmit one or more transaction details selected to be submitted for expense processing among the personal card transaction details. The management service server is configured to receive the one or more transaction details from the first user device, store the received one or more transaction details for expense processing, and transmit, to a second user device of a person in charge of expense processing, notification information corresponding to the one or more transaction details.

Description

Personal Card History Processing System, Method and Computer Program

Embodiments relate to a personal card usage processing system, method, and computer program. More specifically, the company's employees and the like can easily collect details of expenses spent using a personal card for security purposes. It is about technology that can be easily delivered to the person in charge of expenses.

Companies usually issue corporate public cards or individual cards to their employees for ease of execution. However, it is not possible to issue a corporate card to all employees, so in the case of employees who do not receive a corporate card, they must spend expenses using a personal card and prepare a document corresponding to the expense expenditure. The receipt must be submitted to the company's expense handling officer. Such a submission process is usually made by hand using paper printed documents. After the approval of the expenditure resolution is completed, the expenditure of the approved expenditure is folded and stored in a warehouse or scanned as an image and stored in a server.

Even if the details were used for the company's security purposes, it is impossible for the company to collect employee's card usage directly because of privacy protection and privacy infringement. Therefore, even if expenses are incurred, the person in charge of expenses cannot recognize the expenses until the employee who uses the personal card has submitted the supporting documents. However, from the employee's point of view, it is a very cumbersome process to complete the expenditure resolution by attaching supporting documents such as paper receipts. There were many problems, such as delays in processing time, data errors and missing data due to manual labor, and unnecessary extra expenses for paper documents.

According to an aspect of the present invention, the purpose of the company's expense can easily collect the details spent by employees, such as using their personal card, and use the personal card that can easily transfer the collected usage history to the person in charge of the expense processing It is possible to provide a history processing system and method, and a management service server, a user device, and a computer program therefor.

The personal card usage processing system according to an embodiment includes a first user device and a management service server of a personal card user.

The first user device stores the account information or the card information of the user, and the personal card from the card company server in a scraping or electronic data interchange (EDI) method using the account information or the card information. Receive usage history and transmit one or more usage history selected to be submitted for expense processing of the personal card usage history.

The management service server receives the one or more usage history from the first user device, stores the received one or more usage history for the expense processing, and the person responsible for the expense processing of the notification information corresponding to the one or more usage history. And transmit to the second user device.

In one embodiment, the management service server does not store the account information and the card information.

According to an embodiment of the present disclosure, a management service server for processing a personal card usage history may include: a receiving unit configured to receive, from a first user device of a personal card user, one or more usage history selected to be submitted for expense processing of a personal card usage history; A storage unit configured to store the one or more usage history received by the communication unit for security processing; And a notification transmitter configured to transmit notification information corresponding to the one or more usage details to a second user device of a security officer.

In one embodiment, the one or more usage history is obtained from a card company server in a scraping or electronic document exchange method using the account information or card information of the user in the first user device.

In one embodiment, the notification information includes one or more of a Short Message Service (SMS) message, a Multimedia Message Service (MMS) message, an email, or a push notification.

In one embodiment, the receiving unit is configured to further receive, from the first user device, one or more recipient information to receive the one or more usage histories. The notification transmitter may be further configured to transmit the notification information to the second user device corresponding to the recipient information.

The management service server according to an embodiment further includes a user database storing a plurality of user information. In this case, the notification transmission unit is further configured to specify the second user device corresponding to the recipient information by querying the user database using the recipient information.

In one embodiment, the receiving unit is further configured to transmit the user list generated based on the user database to the first user device. In this case, the recipient information includes selection information for one or more users of the user list.

According to an embodiment of the present disclosure, a user device for use by a personal card user may store account information or card information of the user, and may be personalized from a card company server in a scraping or electronic document exchange method using the account information or the card information. A communication unit configured to receive card usage history; A display unit configured to display the personal card usage history; And an input unit configured to receive input of user's selection information on usage history to be submitted for expense processing based on the personal card usage history displayed on the display unit.

The communication unit is further configured to transmit the one or more usage history selected for submission by the selection information to the management service server for expense processing.

In one embodiment, the input unit is configured to further receive one or more recipient information to receive the one or more usage history. In addition, the communication unit is further configured to transmit the recipient information to the management service server.

In one embodiment, the communication unit is configured to further receive a user list generated based on the user database of the management service server from the management service server. In this case, the recipient information includes selection information about one or more users included in the user list.

A personal card usage processing method according to an embodiment includes: receiving, by a management service server, one or more usage history submitted for expense processing from a first user device of a personal card user; Storing, by the management service server, the one or more usage history in the management service server for expense processing; And transmitting, by the management service server, notification information corresponding to the one or more usage histories to a second user device of a security officer.

In one embodiment, the one or more usage history is obtained from a card company server in a scraping or electronic document exchange method using the account information or card information of the user in the first user device.

In one embodiment, sending the notification information includes sending one or more of an SMS message, an MMS message, an email, or a push notification to the second user device.

The personal card usage processing method according to an embodiment further comprises the step of the management service server receiving, from the first user device, one or more recipient information to receive the one or more usage details. In this case, the transmitting of the notification information may include transmitting the notification information to the second user device corresponding to the recipient information.

In one embodiment, the step of transmitting the notification information further comprises specifying the second user device corresponding to the recipient information by querying a user database of the management service server using the recipient information.

The personal card usage processing method according to an embodiment of the present invention further includes the step of transmitting, by the management service server, a user list generated based on a user database to the first user device before receiving the one or more recipient information. Include. In this case, the recipient information includes selection information for one or more users of the user list.

In another embodiment, a method of processing a personal card usage history may include receiving, by a user device of a personal card user, a personal card usage history from a card company server by scraping or using an electronic document exchange method using the account information or the card information of the user. ; Displaying the personal card usage history on the user device; Receiving user's selection information on the usage history to be submitted for expense processing based on the personal card usage history displayed on the user device; And sending, by the user device, one or more usage history selected for submission by the selection information to a management service server.

According to an embodiment, there is provided a method of processing a personal card usage history, the method comprising: receiving at least one recipient information on the user device to receive the one or more usage history; And sending, by the user device, the one or more recipient information to the management service server.

In one embodiment, receiving the at least one recipient information into the user device may include receiving a user list generated based on a user database of the management service server at the user device; And receiving selection information on at least one user of the user list from the user device.

The computer program according to an embodiment is used to execute the personal card usage processing method according to the above embodiments in combination with hardware and may be stored in a computer readable medium.

According to the personal card usage processing system and method according to an aspect of the present invention, the employee or the like spent using the personal card for the purpose of the company's expense to run an application (or app) running on their user device Through this, you can easily search the usage history, specify the recipients for the usage history to be submitted for expense processing, and describe the use purpose, etc.

According to the system and method for processing personal card usage information according to an aspect of the present invention, a personal card user receives his / her usage history from a card company using his or her user device, and selects only the usage history to be submitted to the management service server. In addition, it is possible to collect personal card usage history quickly and efficiently without fear of infringement on employees' personal information and privacy.

In addition, according to the system and method for processing personal card usage information according to an aspect of the present invention, it is possible to store the receipt data and use, etc. transmitted by the personal card user in the management service server, and transmit a notification to a designated security officer. . Receiving the notification, the person in charge of the expenses can access the personal service receipt data and access the management service server, and receive the expenses such as receiving or returning the receipt, checking the amount of use, purpose and contents, and modifying it if necessary. Can be done.

1 is a schematic block diagram of a personal card usage processing system according to an embodiment.

2 is a schematic block diagram of a user device according to an embodiment.

3 is a schematic flowchart of a method of processing personal card usage history according to an exemplary embodiment.

4 to 7 are images illustrating exemplary screens on a user device for personal card usage processing according to embodiments.

8 is an image showing an exemplary screen connected to a management service server according to an embodiment from a user device of a security officer.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic block diagram of a personal card usage processing system according to an embodiment.

Referring to FIG. 1, the personal card usage processing system according to the present embodiment manages to receive the usage history submitted for expense processing from the first user device 1 and the first user device 1 of the personal card user. It includes a service server (3). The first user device 1 and the management service server 3 are configured to be able to communicate with each other via a wired and / or wireless network 2. The first user device 1 is also configured to be able to communicate with the card company server 4 as well. In one embodiment, the management service server 3 is configured to be able to communicate with the IRS server 5 as well. In addition, the management service server 3 is configured to be able to communicate with the second user device 6 of the security officer.

The communication method via the wired and / or wireless network 2 may include an object and any communication method capable of networking by the object, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. . For example, the wired and / or wireless network 2 may include a local area network (LAN), a metropolitan area network (MAN), a global system for mobile network (GSM), an enhanced data GSM environment (EDGE), and a high speed downlink (HSDPA). Packet Access, Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Zigbee, Wi-Fi, Voice over Internet Protocol (VoIP), LTE Advanced, IEEE802.16m, WirelessMAN-Advanced, HSPA +, 3GPP Long Term Evolution (LTE), Mobile WiMAX (IEEE 802.16e), UMB (formerly EV-DO Rev. C), Flash- Communication network by one or more communication methods selected from the group consisting of OFDM, iBurst and MBWA (IEEE 802.20) systems, HIPERMAN, Beam-Division Multiple Access (BDMA), World Interoperability for Microwave Access (Wi-MAX) and ultrasonic utilization communication It may refer to, but is not limited thereto.

In one embodiment, the management service server 3 includes a receiver 31, a storage 32 and a notification transmitter 33. Also in one embodiment, the management service server 3 further comprises a user database 34.

Systems, user devices, and servers according to embodiments may be entirely hardware, or have aspects that are partially hardware and partially software. For example, the user device 1, 6 and the management service server 3, and each unit included therein, are hardware for processing and / or sending and receiving data in a specific format and content and / or in an electronic communication method. The related software may be referred to collectively. The terms "part", "module", "device", "terminal", "server" or "system" are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to a running process, an object, an executable, a thread of execution, a program, or the like.

Each element constituting the management service server 3 according to the present embodiment is not intended to necessarily refer to separate devices that are physically separated from each other. That is, the receiver 31, the storage unit 32, the notification transmitter 33, and the user database 34 of FIG. 1 are functional according to an operation performed by the hardware of the hardware constituting the management service server 3. It is only divided into, and each portion is not necessarily provided independently from each other. Of course, according to the exemplary embodiment, one or more of the receiver 31, the storage 32, the notification transmitter 33, and the user database 34 may be implemented as separate devices that are physically separated from each other.

In one embodiment, the management service server 3 is an application that enables at least partly functioning of the application by communicating with an application (or app) running on the first user device 1 of the personal card user. Function as a server. Alternatively, the management service server 3 provides a predetermined web page accessible through a web browser or the like executed on the first user device 1 and the second user device 6. It can also function as a web server.

The first user device 1 according to an embodiment is implemented in the form of a smartphone, by communicating with the card company server 4 and the management service server 3 via an application in the first user device 1. Inquiry about personal card usage and receipt receipt for expense processing. However, the form of the first user device 1 is not limited to a smartphone, and the first user device 1 may be any other mobile communication terminal, personal computer, notebook computer, personal digital assistant (PDA). It may be implemented in the form of any computing device, such as a set-top box for assistants, tablets, Internet Protocol Television (IPTV), and the like.

In the present specification, a user of a personal card refers to an employee of a company using a card for the purpose of expense of the company, but using a card issued under a personal name, not a corporate card in the name of the company. In the present specification, the first user device 1 is a device used by the personal card user as described above. In addition, in the present specification, a personal card refers to a card issued in the name of a user using the first user device 1, not a corporate card in the name of a company. Furthermore, in the present specification, the second user device 2 refers to a device used by a person in charge of expenses handling the company's expense processing as a main task.

In the event that the employee spends the amount of money spent on his or her personal card, there is a risk of invasion of personal information and privacy. Embodiments of the present invention to solve this inconvenience, the first user device 1 by sending only the usage history selected by the user to submit to the management service server 3, the management service server 3 of the employee It is configured to smoothly handle expenses by collecting receipt data without invading personal information or privacy. Specific operations will be described below.

2 is a schematic block diagram of a user device according to an embodiment.

The user device according to the present embodiment is intended to be used by a personal card user and corresponds to the first user device 1 of the embodiment shown in FIG. Referring to FIG. 2, the user device 1 includes a communication unit 11, a display unit 12, and an input unit 13. Each unit 11-13 illustrated in FIG. 2 is a functional division of the user device 1 according to an operation performed by the user device 1 for personal card usage processing, and is physically separated from each other. It does not refer to a separate device. For example, the display unit 12 and the input unit 13 may be integrated in the form of a touchscreen that simultaneously displays and inputs through the screen.

The communication unit 11 is configured to transmit a personal card usage history request to the card company server 4 and to receive the personal card usage history from the card company server 4. According to the method of inquiring the usage history from the card company server 4, the communication unit 11 is the user's account information (for example, ID and password, or public certificate and certificate password, etc.) and / or card information of the personal card (for example, Card number, expiration date, and CVC), and may transmit some or all of this information to the card company server 4 upon request for usage history.

In one embodiment, the communication unit 11 obtains the personal card usage history from the card company server 4 in a scraping manner. In the present specification, scraping refers to a technology for extracting only necessary information from the information provided by the card company server through a homepage, etc., and bringing it into data, and according to a specific extraction method, screen scraping or data scraping ( data scrapping). The communication unit 11 is configured to obtain the personal card usage history from the card company server 4 by any form of scraping technique known in the art. Scraping by the communication unit 11 may be performed periodically, or when there is a request for inquiry from the user.

In another embodiment, the communication unit 11 obtains the personal card usage history from the card company server 4 in an electronic data interchange (EDI) method. In the present specification, the EDI refers to an information delivery method that can receive the information provided by the card company server 4 into a standardized electronic document and receive it to the communication unit 11 according to a certain communication standard. An agreement with the card company server 4 may be made to respond to a request through an application running on the user device 1 so that personal card usage history can be obtained through the EDI scheme.

In one embodiment, the inquiry of the personal card usage history by the communication unit 11 is performed, at least in part, using a dedicated line connected to the card company server 4. To this end, the communication unit 11 may exchange data with the card company server 4 via a gateway server (not shown) connected to the card company server 4 by a dedicated line. In the present specification, the dedicated line refers to a network that is exclusively connected to the card company server 4, not the public network. For example, the leased line may be a leased line by software means implemented using a virtual private network (VPN) on a TCP / IP protocol based network, or may be a digital service unit (DSU) and a router. Or a dedicated line by hardware means for physically connecting using the In addition, the management service server 3 may be at least partially connected to the card company server 4 by a dedicated line to perform the function of a gateway server.

In one embodiment, the communication unit 11 further communicates with the IRS server 5 to inquire the taxation type for each use destination of the personal card usage history, and further receive the taxation type information for each use destination. In the application running on the first user device 1, the taxation type information of the place of use is displayed together with the use of the personal card, so that the user of the personal card can determine whether the operator corresponding to each place of use is taxable or exempt from taxation, or general You can easily find out whether you are taxed or not.

In addition, in one embodiment, the communication unit 11 may be configured to further inquire whether or not the operator corresponding to each user is closed and / or closed by communicating with the IRS server (5).

The above-described tax type inquiry and inquiry of whether a holiday is closed and / or closed may be performed by scraping the information provided by the IRS server 5 by the communication unit 11. Alternatively, the taxation type inquiry and the inquiry whether the business is closed and / or closed may be made at least partially via a dedicated line communicatively connected to the IRS server 5. In this case, the dedicated line may be similar to the dedicated line connecting the gateway server and the card company server 4 described above.

The display unit 12 is configured to display the personal card usage history received in the communication unit 11, the user of the personal card to view the personal card usage history displayed on the display unit 12 to submit as receipt data to the expense processing personnel for expense processing Selection information about the usage history may be input to the input unit 13. Receipt data of the usage history submitted may include the authorization number, expiration date, usage information and amount of use of the expenditure using the personal card. In this case, the user may further input the usage purpose and contents, the recipient information (that is, the expense processing person information), etc., to be received in relation to the usage history to be submitted, to the input unit 13.

A detailed receipt selection and submission process using the user device according to an embodiment will be described later in detail with reference to FIGS. 4 to 7.

Referring again to FIG. 1, the receiver 31 of the management service server 3 receives one or more usage details submitted from the first user device 1 of the personal card user. The received usage history may include receipt data, and may further include a usage purpose, contents, and / or recipient information for receiving the corresponding receipt. In embodiments, the management service server 3 does not store account information or card information for inquiring personal card usage history. The inquiry process using the account information or the card information is performed by the first user device 1, and the management service server 3 receives only receipt data submitted by the user. Therefore, there is no fear of invasion of personal information or privacy of the personal card user.

The management service server 3 stores the usage history received by the reception unit 31 in the storage unit 32 and receives the usage history to a recipient (ie, a security officer in charge) designated by the user of the first user device 1. Send notification information about. The management service server 3 may query the user database 34 stored in advance, specify the second user device 6 of the person in charge of the expenses corresponding to the recipient, and transmit a notification to the second user device 6. . The notification is sent to the second user device 6 in a Short Message Service (SMS) message, Multimedia Message Service (MMS) message, email, push notification via application or other suitable form.

The person in charge of the expense processing may recognize that there is a receipt received for the expense processing through the notification received at the second user device 6, and access the management service server 3 using the second user device 6. By doing so, you can view the usage history stored in the management service server (3), receive or return the receipt, check the amount, use, and contents of the receipt, and modify it if necessary, and carry out the necessary procedures for approval of the execution of expenses. have.

3 is a schematic flowchart of a method of processing personal card usage history according to an exemplary embodiment.

Referring to FIG. 3, the personal card user may request usage history from the card company server 4 using his first user device 1 (S1). To this end, the user may use the account information (eg, ID and password, or public certificate and certificate password, etc.) and / or card information (eg, information) of the homepage of the card company as information related to the personal card used by the first user device 1. , Card number, expiration date and CVC) can be input in advance. In one embodiment, the first user device 1 receives the personal card usage history from the card company server 4 by the screen scraping method or the EDI method using the above-described account information and / or card information.

When the personal card usage history including the authorization number, the date and time of use, the usage information, the amount of use, etc. for the series of expenses using the personal card from the card company server 4 is transmitted to the first user device 1 (S2), 1 The user device 1 displays the received personal card usage history (S3). In this case, the first user device 1 may further perform a process of inquiring from the IRS server about the taxation type, the suspension of business, and / or the closing of the place of use corresponding to the usage history. On the other hand, the communication between the first user device 1 and the card company server 4 may be encrypted communication over the public network, or at least partially via a gateway server connected to the card company server 4 by a dedicated line. It may be. For example, the management service server 3 may perform the function of a gateway server.

The personal card user may check the personal card usage history displayed on the first user device 1, and input selection information about one or more usage history to be submitted for expense processing in the first user device 1 (S4). ). In addition, at this time, the personal card user may further input the use purpose and contents related to the usage history to be submitted, the recipient information (that is, the expense processing person information) to receive the receipt. In one embodiment, the first user device 1 receives a list of users from the management service server 3 based on the user database of the management service server 3, and based on the received user list, the user receives the recipient of the receipt. You can also do that.

4 to 7 are images illustrating exemplary screens on a user device for personal card usage processing according to embodiments. 4 to 7, a process (S3, S4) of displaying the personal card usage history on the user device and selecting the usage history to be submitted will be described in detail.

4 shows a screen in which a personal card user executes an application on a user device and inquires of a personal card limit, and information such as a remaining limit, a used amount, and a total used amount received through communication with a card company server is displayed on the user device. Is displayed on the screen. The user interface of the application displayed on the screen may include interface elements 401-404 respectively corresponding to the summary, the history list, the notification, and other settings. In addition, when the user holds a plurality of personal cards, a drop-down element 405 for selecting a personal card to be queried may be displayed on the screen. However, it will be readily understood by those skilled in the art that the form of the user interface shown in FIG. 4 is merely an example.

FIG. 5 shows a screen on which the usage list is displayed by selecting the interface element 402 from the screen shown in FIG. 4. On the screen of FIG. 5, the personal card usage history (501-504, 511 and 512) inquired through communication with the card company server is displayed in a list form. Each of the usage history 501-504, 511, and 512 includes information such as the date and time of use, the amount of use, and the place of use. If the user has a plurality of personal cards, the usage history may be displayed separately for each card.

In one embodiment, the personal card user differs in the display form of the usage history (501-504) that has already submitted the receipt for expense processing and the usage history (511, 512) that has not yet submitted the receipt. It is easy to identify the usage history to submit. In FIG. 5, the usage history 501-504 for submitting a receipt and the usage history 511, 512 for not submitting a receipt are displayed in different colors, but this is exemplary, and in another embodiment, depending on whether a receipt is submitted It can also be displayed in different forms, such as sorting the history separately.

6A to 6E are screens illustrating a process of inputting selection information for a personal card user to submit a receipt for a specific usage history.

When the user selects any one usage history 600 that has not yet submitted a receipt from the usage list shown in FIG. 6A, detailed information related to the usage history is displayed on a separate screen as shown in FIG. 6B. Can be. Detailed information displayed on a separate screen includes usage history information 604 including information such as a card authorization number, authorization amount, supply amount, and VAT, and usage information 601 including usage name and business registration number; The type of work 603 used, and the like. In one embodiment, the user device further receives the tax type information of the place of use by communicating with the IRS server, which is displayed on the user device as part of detailed information about the usage as shown at 602 in FIG. 6B.

When the user selects the interface element 605 to proceed with the receipt submission of the usage history on the screen shown in FIG. 6B, a separate screen for selecting a recipient of the receipt may be displayed as shown in FIG. 6C. have. Recipient of the receipt refers to the person in charge of the expenses who will approve and approve the expenses for the receipt. The user device receives and displays a related user list from the management service server, and the personal card user may designate one or more users in the received user list as recipients.

In one embodiment, the user database of the management service server includes relationship information between a plurality of users, and the management service server uses the relationship information to generate a related user list related to a personal card user and present it to the user device. Personal card users can easily select the person responsible for handling expenses.

For example, in the user database, the company information of each user is stored, and the management service server transmits to the user device a related user list composed only of users belonging to the same company as the personal card user requesting receipt submission. It is also possible to specify a receipt recipient in the relevant user list.

Alternatively, the user database includes online contact information entered by each user in advance and stored in the user database, and the management service server transmits a user list registered in the online contact of the personal card user requesting receipt receipt to the user device. In addition, the user may be able to specify a receipt recipient in his or her online contact.

When the personal card user selects the recipient of the receipt, a usage history inquiry screen including the designated recipient information 606 is displayed as shown in FIG. 6D. In addition, the user can input a usage purpose (eg, fueling cost, transportation cost, etc.) for the corresponding usage history by selecting the interface element 607 on the corresponding screen, and selecting the interface element 608 to further input the usage content. It may be. The personal card user enters all necessary information and then selects the interface element 609 for receipt receipt, thereby transmitting the user specified recipient information and the usage purpose and / or contents entered by the user to the management service server. It is sent to the management service server as selection information.

In one embodiment, the user may further attach an image of the paper receipt taken or scanned as information about the usage history to submit. FIG. 6E illustrates a screen displayed when the user selects the interface element 608 on the screen illustrated in FIG. 6D, and the user may input a usage history through the input box 610 of the screen illustrated in FIG. 6E. At this time, the user selects each of the interface elements 611-613 shown on the screen to take a new image, select a stored image, or select an attachment other than the image and input it into the input box 610. can do. By using this, the user may input the image 620 of the paper receipt corresponding to the receipt data submitted by the user in the input box 610 so that the receipt image 620 may be transmitted to the management service server along with other electronic information. have.

4 to 6 show the screen when the personal card user first submits a receipt, but if the user has previously submitted a receipt, the user interface may be configured so that there is no need to specify a new recipient each time. It may be.

7A and 7B show exemplary screens for this purpose. If the user has previously submitted a receipt, information on the person who previously received the receipt from the corresponding personal card user on the detailed inquiry screen of the usage history as shown in FIG. 7A is shown. 700 may be displayed. The personal card user can designate a person in charge of expenses to receive a receipt submitted this time by selecting a specific person in charge information 700. In addition, the personal card user may call the contact list management screen as shown in FIG. 7B by selecting the interface element 701, and may add or delete a contact to be displayed by the contact information 700. FIG.

Referring back to FIG. 3, the usage history submitted from the first user device 1 of the personal card user is transmitted to the management service server 3 (S5). In the management service server 3, the receipt data of the received usage history and related information are stored in the management service server 3 (S6), and the second user device 6 of the security officer in charge designated as the recipient by the related information (6). The notification information is transmitted (S7). The notification information is transmitted to the second user device 6 in the form of SMS, MMS, e-mail, push notification through an application, etc., so that the guard can recognize that there is a receipt submitted for the expense processing. In the management service server 3, by using the recipient information specified by the personal card user, the user database can be queried to specify necessary information such as a mobile phone number or an e-mail address of the security officer to be received, and the notification information is used. Can also be transmitted.

The person in charge of the expense processing who has received the notification information can check the receipt and related information received and stored in the management service server 3 by accessing the management service server 3 using the second user device 6 (S8). . At this time, the management service server 3 is to perform the function of a web server that provides a predetermined web page for the expense processing personnel to perform the expense processing, such as payment of the receipt and approval of the usage history submitted receipt. Can be.

8 is an image showing an exemplary screen connected to a management service server according to an embodiment from a user device of a security officer.

Referring to FIG. 8, the person in charge of the security processing can access the management service server and read the received personal card usage history as the recipient. The submitted usage history may include receipt data and information such as a user corresponding to the receipt, a date and time of use, an amount of use, a customer and a use purpose and / or content. In addition, the submitted usage history may include an image of an actual receipt corresponding to the receipt data. The person in charge of expenses can view the usage history of the entire personal card user at once, or can look up the status of the card user or separately view the usage history of the individual users. In addition, the person in charge of expenses can perform administrative tasks such as registering or modifying a personal card user for expense processing.

The operation by the personal card usage processing method according to the embodiments described above may be at least partly implemented as a computer program and recorded in a computer-readable recording medium. A computer-readable recording medium having recorded thereon a program for implementing an operation by the personal card usage processing method according to the embodiments includes all kinds of recording devices storing data that can be read by a computer. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. In addition, functional programs, codes, and code segments for implementing the present embodiment will be readily understood by those skilled in the art to which the present embodiment belongs.

Although the present invention described above has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and it will be understood by those skilled in the art that various modifications and variations may be made therefrom. However, such modifications should be considered to be within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

Embodiments relate to a personal card usage processing system, method, and computer program. More specifically, the company's employees and the like can easily collect details of expenses spent using a personal card for security purposes. It is about technology that can be easily delivered to the person in charge of expenses.

Claims (21)

A first user device of a personal card user, the account information or card information of the user is stored, the personal card usage history is received from a card company server by scraping or electronic document exchange method using the account information or the card information, The first user device configured to transmit one or more usage history selected for submission for expense processing of the personal card usage history; And Receiving the one or more usage history from the first user device, and stores the received one or more usage history for expense processing, and the notification information corresponding to the one or more usage history to the second user device of the security officer A personal card history processing system comprising a management service server configured to transmit. The method of claim 1, The management service server does not store the account information and the card information personal card usage processing system. A receiving unit configured to receive, from the first user device of the personal card user, one or more usage history selected for submission for expense processing of the personal card usage history; A storage unit configured to store the one or more usage history received by the communication unit for security processing; And And a notification transmitter configured to transmit notification information corresponding to the one or more usage details to a second user device of a security officer. The method of claim 3, wherein The one or more usage history, management service server for the personal card usage history processing is obtained from the card company server by scraping or electronic document exchange method using the user's account information or card information in the first user device. The method of claim 3, wherein The notification information management service server for the processing of personal card usage history, including one or more of a short message service (SMS) message, multimedia message service (MMS) message, email or push notification (push notification). The method of claim 3, wherein The receiving unit is configured to further receive, from the first user device, one or more recipient information to receive the one or more usage histories, The notification transmission unit, the management service server for the personal card usage history processing further configured to transmit the notification information to the second user device corresponding to the recipient information. The method of claim 6, Further comprising a user database that stores a plurality of user information, And the notification transmitting unit is further configured to specify the second user device corresponding to the recipient information by querying the user database using the recipient information. The method of claim 7, wherein The receiving unit is further configured to transmit the user list generated based on the user database to the first user device, The recipient information management service server for personal card usage processing including selection information for one or more users of the user list. A user device for use by a personal card user, A communication unit configured to store account information or card information of the user, and receive personal card usage history from a card company server in a scraping or electronic document exchange method using the account information or the card information; A display unit configured to display the personal card usage history; And On the basis of the personal card usage history displayed on the display unit, including an input unit configured to receive the user's selection information on the usage history to be submitted for expense processing, And the communication unit is further configured to transmit one or more usage details selected for submission by the selection information to a management service server for expense processing. The method of claim 9, The input unit is configured to further receive one or more recipient information to receive the one or more usage history, And the communication unit is further configured to transmit the recipient information to the management service server. The method of claim 10, The communication unit is configured to further receive a user list generated based on the user database of the management service server from the management service server, And the recipient information includes selection information for one or more users included in the user list. Receiving, by the management service server, one or more usage history submitted for expense processing from the first user device of the personal card user; Storing, by the management service server, the one or more usage history in the management service server for expense processing; And And transmitting, by the management service server, notification information corresponding to the one or more usage details to a second user device of a security officer. The method of claim 12, The one or more usage history is a personal card usage history processing method obtained from the card company server by scraping or electronic document exchange method using the user's account information or card information in the first user device. The method of claim 12, The transmitting of the notification information may include transmitting one or more of a short message service (SMS) message, a multimedia message service (MMS) message, an e-mail, or a push notification to the second user device. How to handle card history. The method of claim 12, Receiving, by the management service server, at least one recipient information from the first user device to receive the at least one usage history, The transmitting of the notification information may include transmitting the notification information to the second user device corresponding to the recipient information. The method of claim 15, The transmitting of the notification information may further include specifying the second user device corresponding to the recipient information by querying a user database of the management service server using the recipient information. . The method of claim 15, Prior to receiving the one or more recipient information, the management service server further comprising transmitting to the first user device a user list generated based on a user database, Wherein the recipient information comprises selection information for one or more users of the user list. Receiving, by the user device of the personal card user, the personal card usage history from the card company server in a scraping or electronic document exchange method using the account information or the card information of the user; Displaying the personal card usage history on the user device; Receiving user's selection information on the usage history to be submitted for expense processing based on the personal card usage history displayed on the user device; And Sending, by the user device, one or more usage history selected for submission by the selection information to a management service server. The method of claim 18, Receiving at least one recipient information on the user device to receive the at least one usage history; And And transmitting, by the user device, the one or more recipient information to the management service server. The method of claim 19, Receiving the at least one recipient information to the user device, Receiving, on the user device, a user list generated based on a user database of the management service server; And And receiving selection information on at least one user of the user list from the user device. 21. A computer program stored in a computer readable medium coupled with hardware to execute the personal card usage processing method according to any one of claims 12-20.

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