KR20090035503A - Payment Method Analysis System - Google Patents

Abstract

The present invention relates to a payment means usage history analysis system, a storage medium for linking and storing payment means information of a client and usage history setting information for each use or category of the payment means, and the client payment from a payment terminal or a payment server. Means for storing the expenses on a storage medium by dividing the expenses by usage or by category based on predetermined merchant information included in the expenses of the client payment means when the expenses information of the means is received; And means for providing the client or the guardian of the client with the result of comparing the usage history setting information for each use or category stored in the storage medium with the expenditure history for each use or category.

Description

System for Analyzing Using Particulars of Settlement Means}

1 is a simplified configuration diagram of a preferred category payment means usage history analysis system according to the present invention.

Figure 2 is a preferred embodiment of a web page for selecting / inputting the usage history setting information of the second client to the server.

Figure 3 is a simple embodiment of a data model of a preferred storage medium 1 according to the present invention.

4 is a simplified embodiment of a data model of a preferred storage medium 2 according to the present invention.

Figure 5 is a simplified embodiment for the comparison of the storage medium 1 and the storage medium 2 according to the present invention.

6 is a simplified flowchart of a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: interface

110: receiving unit 115: determination unit

120: comparison unit 125: transmission unit

130: authentication unit 135: storage medium (1)

140: storage medium (2) 145: first client

150: second client 155: payment terminal

160: payment server

The present invention provides a storage medium for linking and storing payment means information of a client and usage history setting information for each use or category of the payment means, and when the payment history information of the client payment means is received from a payment terminal or a payment server, A means for storing the expenditure according to usage or category based on predetermined merchant information included in the expenditure history information of the client payment means, and storing the expenditure in the storage medium and the usage per use or category stored in the storage medium. The present invention relates to a payment means usage history analysis system including means for providing the client or the guardian of the client with comparison result data comparing the expenditure by setting information and usage by category.

Due to the development of the Internet, various economic activities are available on-line, and the target does not discern whether there is payment ability. In other words, economic activities are carried out online in a variety of ways and shortcuts, regardless of the economic ability, the subject and / or object of the economic activity in some cases causes a serious economic loss.

In particular, online payments, which are characterized by anonymity, include minors without economic capacities, poor credit capacities who have lost their economic capacities, or limited payers who are legally required to have a parent's consent. Economic capacity limiter (= second client) cannot be discerned.

Therefore, especially in the case of minors, since there was a lack of planned economic activity plan from a young age, for example, judging and setting up the place where the minor himself or she will spend (the merchant) and the amount to be spent, and accordingly, planned economic activity education This is an urgent need.

An object of the present invention to solve the above problems is a storage medium for linking and storing the payment means information of the client and the usage history setting information for each use or category of the payment means, and the client payment from the payment terminal or payment server Means for storing the expenses on a storage medium by dividing the expenses by usage or by category based on predetermined merchant information included in the expenses of the client payment means when the expenses information of the means is received; The present invention provides a payment method usage analysis system including a means for providing a comparison result data of usage history setting information by usage or category stored in a storage medium with the expenditure results by usage or category to the client or the guardian of the client. .

The payment means usage history analysis system according to the present invention includes a storage medium for linking and storing information on payment means of a client and usage history setting information for each use or category of the payment means, and a client payment means from a payment terminal or a payment server. Means for storing the expenditure on a storage medium by dividing the expenditure by use or category based on predetermined merchant information included in the expenditure history information of the client payment means when the expenditure history information of the client is received; And means for providing the client or the guardian of the client with the result of comparing the usage history setting information for each use or category stored in the medium with the expenditure history for each use or category.

According to the present invention, the usage history setting information for each use or category includes limit setting information available for a specific use when the second client uses the payment means, limit setting information available at a specific merchant, game category, And at least one limit setting information available for each specific category such as a shopping category.

According to the present invention, the comparison result data is data that divides the spending amount information for each use or category into one-to-one correspondence with the use amount information for each use or category and for each use or category, or the use amount information for each use or category. And a data table in which the expenditure amount information for each use or category is divided so as to correspond to each use or category.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings, and first, predetermined reference numerals are added to the components shown in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

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 that the present invention may be practiced.

1 is a simplified configuration diagram of a preferred category payment means usage history analysis system according to the present invention.

Referring to FIG. 1, a preferred payment method usage analysis system for each category includes a server 100, a first client 145, and a second client 150.

The server 100 obtains usage setting information for each category of the second client 150 from the first client 145, and associates the first client 145 information and / or the second client 150 information with each other. It is stored in a predetermined storage medium (1) (135). In addition, the server 100 classifies and stores the usage history setting information for each category obtained from the first client 145 based on a predetermined category.

In addition, when the actual expenses of the second client 150 are generated, the server 100 receives predetermined expenses information from the affiliated store terminal or the Internet site where the expenses are generated and associates with the information of the second client 150. To store in a predetermined storage medium (2) (140).

The server 100 stores the expenditure history information of the second client 150 stored in the storage medium (2) 140 in accordance with the present invention, and uses category setting information for each category previously stored in the storage medium (1) 135. In comparison with, it is determined whether the spending plan of the second client 150 is properly performed.

According to the present invention, the usage history setting information for each category is determined by the second client 150 by use and / or by category and / or by merchant and by using the payment means of the second client 150 for a predetermined period. And / or information that has been planned and determined in advance for the available amount or the estimated amount for each business type, and the expenditure history information is actually used by the second client 150 to determine the means of payment of the second client 150 by use and / or category. Characterized by the amount of information used by stars and / or merchants and / or by industry.

Further, according to the present invention, the usage setting information stored in the storage medium (1) 135, which is divided by use and / or category, respectively, may be used for setting a limit amount and / or for a specific merchant or a specific business. It includes a limit setting information used by the function, and / or limit setting information used for each specific category, such as game category, shopping category.

In addition, according to the present invention, the payment means of the second client 150, the payment means issued in the name of the first client 145, or payment associated with the payment means owned by the first client 145. It is characterized by a means.

In addition, the payment means of the second client 150, characterized in that the credit card and / or debit card and / or prepaid card, the IC chip and / or a financial IC chip mounted on or detached from the wireless terminal Include.

The server 100 is characterized in that the card company server, and / or financial company server, and / or mobile communication company server, and / or VAN company server, the interface 105, the receiver ( 110, the determination unit 115, the comparison unit 120, the transmission unit 125, and the storage medium (1) 135, the storage medium (2) 140, and the affiliated store classification information database may be provided. . However, the present invention is not limited thereto, and one of ordinary skill in the art will realize that modifications, deletions, or additions to the components of the server 100 may be made without departing from the spirit of the present invention.

The interface 105 of the server 100 is a payment means of the second client 150 from the first client 145 to set the use of the payment means of the second client 150 separately for each purpose and / or category. Information and usage information of the payment means are separately provided for each purpose and / or category.

In addition, the interface 105 provides the first client 145 with a predetermined input / selection web page capable of inputting / selecting payment means usage information setting information, thereby allowing the first client 145 according to the present invention. ) Facilitates entry / selection of payment method usage setting information.

The payment means usage history setting information input / selected from the first client 145 may be classified and stored based on the affiliate store information to which the corresponding expenses are to be generated. For example, when the category of the spending target merchant is classified into game / entertainment, dietary life, cultural life, etc., the game site may be classified and stored in the game / entertainment category.

When the receiver 110 of the server 100 uses the payment means of the second client 150, the payment history information of the payment means of the second client 150 from a predetermined payment terminal 155 or the payment server 160 is used. Receive

For example, the receiving unit 110 when the spending of the second client 150 occurs through the merchant terminal on the offline and / or the Internet site (eg, game site, shopping mall, etc.) on the online, the payment terminal (or the Internet) Site) or payment server 160 to receive the predetermined spending history information, and stores the received spending history information of the second client 150 in conjunction with the storage medium (2) (140).

The payment terminal includes at least one card terminal, client PC, KIOSK, wireless terminal. In addition, the payment server 160 includes at least one card company server, financial company server.

Determination unit 115 of the server 100 is based on the predetermined merchant information contained in the expenditure history information of the payment means of the second client 150 received by the receiving unit 110, and the expenditure details by use and / Or by category.

For example, the determination unit 115 determines which use and / or category to classify the expenditure history based on the affiliate store name, the affiliate store code, etc. included in the expenditure history information of the payment method of the second client 150.

The comparison unit 120 of the server 100 stores usage setting information for each purpose and / or category associated with payment means information of the second client 150 stored in the storage medium 1 and 135 and the storage. The expiration information for each purpose and / or category associated with the payment means of the second client 150 stored in the medium (2) 140 is compared to generate predetermined comparison information data.

For example, the comparison information data was a game / entrance related expenditure amount of 40,000 won on the usage history setting information of the second client 150 previously stored in the storage medium (1) 135. As a result of confirming the expenditure history information, If the actual spending amount related to the game / entertainment was 51,000 won, the second client 150 is information data indicating that the actual expenditure for the game / entertainment exceeded the planned expenditure.

The comparison result data may be formed in the form of a data table in which the usage amount information for each use and / or category and the expenditure amount information for each use and / or category are classified so as to correspond to each use and / or category.

The transmission unit 125 of the server 100 provides the comparison result data compared by the comparison unit 120 to the first client 145 and / or the second client 150.

For example, according to a comparison result of the comparison unit 120, the transmission unit 125 includes the comparison information data including expenditure history information that is overexpended or underexpenditure corresponding to the usage history setting information. 145 and / or the second client 150.

Preferably, the providing of the comparison information may be a wireless terminal (eg, SMS, MMS, etc.) and / or an e-mail and / or a corresponding site bulletin board of the first client 145 and / or the second client 150. Do.

Storage medium (1) 135 of the server 100 is the payment means information of the second client 150 provided from the first client 145 through the interface 105 and the purpose of the payment means and Stores the usage history setting information for each category.

The storage medium (2) 140 of the server 100 stores the expenditure history divided by the determination unit 115 in association with the payment means information of the second client (150).

For example, the storage medium (2) 140 may record the expenses of the second client 150 received from the merchant terminal and / or the Internet site, etc., the merchant name, the merchant code, and the amount of expenses that may be included in the expenses. On the basis of the classification, the information is classified and stored by category.

In addition, the storage medium (2) 140 is included in the storage medium (1) 135, or characterized in that the mutual processing.

In addition, the storage medium (1) 135 and / or storage medium (2) 140, the payment means information of the second client 150 and the usage history setting information for each use and / or category of the payment means It is characterized by storing in association with the first client 145 information and / or payment means information of the first client 145.

In addition, the storage medium (1) 135 and / or storage medium (2) 140, the payment means information of the second client 150 and the usage history setting information for each use and / or category of the payment means It is characterized by storing in association with the merchant information corresponding to the use and / or category.

The information storage medium may be located at a card company server, a financial company server, and / or a mobile communication company server, and / or a VAN company server.

Meanwhile, the server 100 divides the payment means information of the second client 150 and the usage history of the payment means from the first client 145 through the interface 105 by usage and / or category. Before receiving the usage setting information, the first client for confirming whether the usage rights for each use and / or category of the payment method of the second client 150 is given to the first client 145. It characterized in that it further comprises an authentication unit 130 for performing the authentication process for 145.

For example, in the authentication process of the first client 145, predetermined member authentication (for example, information of the first client 145 stored in the server 100 from the first client 145 performs a function as member information). The first client 145 is authenticated as the first client 145 for the second client 150, or from the first client 145, the owning IC of the first client 145 through a predetermined terminal. Integrated circuit) reads predetermined first client 145 authentication information (for example, payment means information of the first client 145, authorized certificates, etc.) and checks the read first client 145 authentication information. Thus, the authority as the first client 145 with respect to the second client 150 may be authenticated.

The affiliated store classification information database of the server 100 records the affiliated store name, the affiliated store code, and the affiliated store classification category information for at least one or more affiliated stores or Internet sites available to the client.

For example, when the second client 150 spends money from a predetermined internet game site, the server 100 classifies the name or merchant code of the internet game site based on the affiliate store classification information database. (2) and stores the classified by the affiliated store category of 140.

On the other hand, according to the present invention, the server 100 of the second client 150 from the first client 145 to set the payment means usage history of the second client 150 for each purpose and / or category, respectively. A function of receiving payment means information and usage history setting information for each use of the payment means and / or category; A predetermined storage medium (1) (135) is formed by linking the payment settlement information of the second client (150) provided from the first client (145) with usage history setting information for each use and / or category of the payment means. Save to); A function of receiving expenditure history information of the payment means of the second client 150 from a predetermined payment terminal 155 or a payment server 160 when the payment means of the second client 150 is used; A function of dividing the expenditure history by use and / or category based on predetermined merchant information included in the expenditure history information of the second client (150) payment means; A function of storing the divided expense history in a predetermined storage medium (2) (140) in association with the payment information of the second client (150); Usage history setting information per use and / or category associated with payment means information of the second client 150 stored in the storage medium (1) 135 and the first stored data in the storage medium (2) 140. A function of comparing spending information by usage and / or category associated with two client 150 payment methods; And a function for providing the comparison result data to the first client 145 and / or the second client 150. The program for executing the recording is recorded.

Preferably, the recording medium is located in the card company server, and / or financial company server, and / or mobile communication company server, and / or VAN company server.

2 is a diagram illustrating a preferred embodiment of a web page for selecting / inputting usage setting information for the second client 150 from the server 100.

According to FIG. 2, in the case where the usage history setting information of the second client 150 according to the present invention is composed of large classification, medium classification, and small classification, the first client 145 may be provided with a terminal of the second client 150. It relates to a predetermined usage history setting information input / selection web page for inputting / selecting expenditure planning information.

However, the payment category classification method is not limited to the major classification, the middle classification, and the small classification as in the case of FIG. 2, and it is noted that other types of classification classification methods based on database theory may be used.

Referring to FIG. 2, the first client 145 selects and inputs four spending target merchant information through the spending plan information input / selection web page for selecting a total of seven spending target merchant categories, and thus estimates expenses accordingly. You entered an amount.

For example, the first client 145 may use the 'cultural life | game / entertainment | online game' category related to the online game as the usage history setting information of the second client 150, and the cultural life such as purchasing and / or purchasing a movie ticket. Related 'Cultural Life | Theater / Movie | Film Tickets' category, 'Cultural Life | Book / Magazine | Buy This Book' category where you can buy books, and 'Food Culture | Restaurant' Category was selected / entered.

Preferably, the usage history setting information of the second client 150 may be selected / input in consultation with the second client 150 and / or the first client 145 and the second client 150. The usage setting information of the second client 150 selected / input may provide a predetermined basis for generating comparison information according to actual expenses of the second client 150 later.

3 and 4 illustrate an embodiment of an information storage medium according to the present invention. Prior to the description of FIGS. 3 and 4, the information storage medium according to the present invention includes first client 145 information data for storing first client 145 information and / or payment means information owned by the first client 145. file; A second client 150 information data file for storing second client 150 payment means information associated with the first client 145 and / or the owned payment means of the first client 145; A category-specific usage history information data file for storing usage-specific information for each use and / or category of the payment means of the second client 150 set by the first client 145; And when the payment means of the second client 150, the server 100, the payment history information of the payment means of the second client 150 provided through a predetermined payment terminal 155 or payment server 160 And a spending history information data file to store.

The first client 145 information data file, the second client 150 information data file, the usage history information data file for each category, and the spending history information data file may be stored in a cooperative process.

Preferably, the second client 150 information data file further stores the second client 150 information.

Preferably, the category-specific usage history information data file is characterized by further storing at least one or more uses and / or categories and / or merchants and / or industry information for which the usage history is set.

Preferably, the expenditure history information data file, the second client 150, characterized in that it comprises the payment means use merchant information and the use amount information.

3 is a simple embodiment of a data model of a preferred storage medium (1) 135 in accordance with the present invention.

Storage medium (1) (135) shown in Figure 3 is characterized in that to store the usage history setting information of the second client 150 in accordance with the present invention, the first client 145 information data file, second The client 150 information data file and the usage history setting information data file are stored in association with each other.

The first client 145 information data file of the storage medium (1) 135 stores predetermined information related to the master client that is dependent on the second client 150.

For example, the first client 145 information data file records the first client 145 name, unique ID, social security number, mobile phone number (telephone number), e-mail, card information, account information, and the like.

The second client 150 information data file of the storage medium (1) 135 stores predetermined information related to the subclients which are dependent on the first client 145.

For example, the second client 150 information data file may record the second client 150 name, unique ID, social security number, mobile phone number (telephone number), e-mail, card information, account information, and the like.

The usage setting information data file of the storage medium (1) 135 stores information about a predetermined spending plan prior to the actual spending of the second client 150.

For example, the usage setting information data file may include items (eg, game / entertainment, dietary life, cultural life, etc.) classified by the category of the spending target affiliate, the name of the corresponding target merchant, the affiliate store code, and the estimated amount of expenditure at the corresponding affiliate store. Is stored.

4 is a simplified embodiment of a data model of a preferred storage medium (2) 140 in accordance with the present invention.

4 illustrates storage media 1 and 135 in order to more clearly describe actual expenditure information in response to usage setting information stored in the storage media 1 and 135. Although separately shown), the storage medium (1) 135 shown in FIG. 3 and the storage medium (2) 140 shown in FIG. 4 may be implemented as one storage medium. .

* Referring to Figure 4, the storage medium (2) 140, when the expenses of the second client 150, the expenditure history information of the second client 150 provided from the corresponding merchant or the Internet site where the expenses are generated predetermined Cumulatively stored for a period of time.

In addition, the expenditure history information is characterized in that it is stored in association with the second client 150 information.

According to Figure 4, the storage medium (2) (140) is characterized in that it comprises a second client 150 information data file that is the subject of the expense generation, and the expenditure history information data file.

When checking the expenditure recorded in the expenditure history data file by date and time, the second client 150 spends 15,000 won in restaurant XX on March 03, 2004 and spends 18,000 won on YY game site on March 5, 2004. , .... etc.

Preferably, the expenditures for each date and time may be classified and stored by category of the corresponding spending affiliated store. For example, spending on YY Game Site on 2004.03.05 combines spending on YY Game Site on 2004.03.10 and 2004.03.17 with spending on YY Game Site on 2004.03.20. Can be stored again.

The expenditure history information recorded in the storage medium (2) 140 shown in FIG. 4 is compared with the expenditure planning information of the storage medium (1) 135 shown in FIG. Provide a basis for generating expenditure comparison information, such as excess expenditures.

Figure 5 is a simple embodiment for the comparison of the storage medium (1) 135 and the storage medium (2) 140 in accordance with the present invention.

Referring to FIG. 5, according to the present invention, usage setting information of the second client 150 recorded in the storage medium 1 and 135 and the second client 150 recorded in the storage medium 2 and 140 according to the present invention. As an exemplary diagram for comparing actual expenditure information of the present invention, FIG. 5 compares the corresponding expenditure amount for each category of the spending target affiliate store.

According to Figure 5, the usage history setting information recorded in the storage medium (1) (135) has a planned spending of 40,000 won, spending on food and entertainment, 45,000 won, cultural life related spending 40,000 won It is established.

On the other hand, the actual usage history setting information of the second client 150 recorded in the storage medium (2) (140) is 51,000 won, the actual spending amount related to games and entertainment, 43,000 won related to cultural life, cultural life related Actual spending is recorded at 38,000 won.

According to the present invention, if the usage history setting information (expenditure planned amount) recorded in the storage medium (1) 135 and the actual expenditure amount recorded in the storage medium (2) 140 are compared by the corresponding merchant categories, the game / You can see that the expenditure was over 11,000 won than the planned amount.

Thus, by notifying the second client 150 and / or the first client 145 that the second client 150 spends a lot on gaming / entertainment, the second client 150 overpays. It is possible to confirm the details of the changes, to reflect on the excess expenditure and to establish a new expenditure plan.

6 is a simplified flowchart of a preferred embodiment of the present invention.

Referring to FIG. 6, the first client 145 accesses the server 100 through a predetermined terminal in order to register the usage setting information of the second client 150 with the server 100 according to the present invention. (600). In this process, the first client 145 performs a predetermined login process, and the server 100 performs a second client to the first client 145 through login information of the first client 145. The usage history setting information registration authority of 150 is authenticated (605).

If the first client 145 is authenticated with a predetermined authority to register the usage history setting information of the second client 150 (610), the server 100 is connected to the first client 145 access terminal. In operation 615, a predetermined usage history setting information input / selection web page is provided.

When the first client 145 selects / inputs the usage setting information of the second client 150 through the usage history setting information input selection web page provided from the server 100 to a predetermined terminal (620), the server ( 100 stores the selected / input usage history setting information in the storage medium 1 and 135 in association with the first client 145 and the second client 150 information (625).

Preferably, the usage history setting information is classified and stored according to a category of a corresponding affiliate store according to selection / input of the first client 145.

After the usage history setting information of the second client 150 is stored in the storage medium (1) 135, if the actual expenses are generated from the second client 150 (630), the expense-generating affiliate store or the Internet. The site provides the server 100 with actual expenditure details of the second client 150.

The server 100 stores (635) the expenditure history of the second client 150 provided from the affiliate store or the Internet site in the storage medium 2 (140) in association with the information of the second client 150.

According to a preferred embodiment of the present invention, if a predetermined period (eg, one month, etc.) for comparing usage history setting information with actual expenditure history information is satisfied (640), the server 100 stores the storage medium 1 ( In step 645, the usage history setting information of the second client 150, which is previously stored, is extracted.

On the other hand, if a predetermined period (eg, one month or payment period) for comparing the usage setting information and actual spending history information is not satisfied (650), the expenditure history information is satisfied until the predetermined time period is satisfied. If repeated, at this time, the spending history information of the second client 150 is accumulated and stored in the storage medium (2) (140).

For example, if the expenditure history of the second client 150 was XX game site and YY soft, both expenditure details may be stored in a game / entry related category.

In addition, when the usage history setting information of the second client 150 previously stored in the storage medium (1) 135 is extracted, the server 100 stores the second client stored in the storage medium (2) 140. In operation 150, the expense history information of 150 is extracted (655), and the extracted usage history setting information is compared with the expense history information (660).

The server 100 generates predetermined comparison result data according to the comparison (665), and provides the generated comparison result data to the first client 145 and the second client 150, the actual compared to the spending plan The spending history is communicated (670).

According to the present invention, expenditure planning information of a second client (eg, a child, etc.) that has a dependency with a first client (eg, a parent, etc.) is pre-registered in the server, and then the actual expenditure history of the second client is recorded. When it occurs, by comparing the previously registered usage history setting information and the actual expenditure details,

Secondary clients (eg, children, etc.), for example, by checking the amount of overspend, and through the analysis and reflection of the expenditure, it is possible to create a better spending plan, and also to plan a spending habits .

In addition, the first client (eg, parents, etc.) has the advantage of being able to present a planned habit of economic activity early on, by directing and monitoring the spending habits of the child.

Claims (3)

A storage medium storing the client's payment means information and usage information setting information for each use or category of the payment means in association; When the payment history information of the client payment means is received from a payment terminal or a payment server, the expenditure history is classified by use or category based on predetermined merchant information included in the payment history information of the client payment means. Means for storing in a storage medium; Means for providing the client or the guardian of the client with the result of comparing the usage history setting information for each use or category stored in the storage medium with the expenditure history for each use or category; and using the payment means, comprising: Historical analysis system. According to claim 1, wherein the usage history setting information for each use or category, When the second client uses the payment means, Limit setting information available for a specific use, Limit setting information available at a specific merchant, Payment method usage history analysis system characterized in that it comprises at least one limit setting information available for each specific category, such as game category, shopping category. The method of claim 1, wherein the comparison result data, Data for which the expenditure amount information for each use or category is divided into one-to-one correspondence with the use amount information for each use or category and for each use or category, or The payment means usage history analysis system, characterized in that formed in the form of a data table for separating the use amount information for each use or category, and the amount of spending information for each use or category corresponding to each use or category.

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