KR102107453B1 - System and method for funds management service, mobile device for the same and computer program for the same - Google Patents

Abstract

The money management service system includes: a receiving unit configured to receive, from the mobile device, financial information received by a user's mobile device in a scraping manner from a financial institution server using authentication information of the user; An analysis module configured to accumulate the user's scrapped financial information, and generate guide information related to the user's money management by analyzing the accumulated information using one or more of a transaction type or a transaction date and time; And a transmitter configured to transmit the guide information to the mobile device. According to the fund management service system, the account balance, account deposit and withdrawal number and amount, card associated with the user based on the information accumulated by scraping in the money management service system and the financial information scraped from the user's mobile device at the user's request We can provide customized services that collect and analyze financial information such as number and amount of use, card sales amount, cash profit and loss, VAT refund information, and billing information, and provide integrated management for users' multiple accounts or cards. There is an advantage.

Description

A system and method for a money management service and a mobile device and a computer program therefor. {SYSTEM AND METHOD FOR FUNDS MANAGEMENT SERVICE, MOBILE DEVICE FOR THE SAME AND COMPUTER PROGRAM FOR THE SAME}

Embodiments relate to a money management service system and method, and a mobile device and a computer program therefor, and more specifically, scraped information performed in parallel with scraping performed on a server and a user's mobile device. It is based on the technology for providing and automatically generating guide information necessary for user's fund management or in response to a user's request.

Conventionally, when a user wants to check the account transaction history or card usage history, he or she has to visit a bank or a credit card company directly or contact them to check whether the transaction has occurred or not. Thanks to the development of the Internet and information and communication technology, a number of services have recently appeared to notify users in the form of a short message service (SMS) through a mobile communication network, such as a user's account transaction history or card usage history. .

However, the notification service of financial information provided so far is limited to the level of notifying the contents of the transaction to the user when a new transaction occurs, and multiple transaction details exist or spanning multiple accounts and / or cards In the event that transaction details exist, in order to grasp them at a glance, there was a limit that the user had to check and organize each transaction.

Patent Publication No. 10-2011-0136633

According to an aspect of the present invention, the information scraped from the user's mobile device is accumulated on the server to automatically generate and provide guide information necessary for the user's money management, but when the user requests, scraping on the mobile device is performed. It is possible to provide a money management service system and method capable of updating accumulated information and providing updated guide information to a user, and a mobile device and a computer program therefor.

The money management service system according to an embodiment includes: a receiving unit configured to receive financial information received by a user's mobile device in a scraping manner from a financial institution server by using the user's authentication information; An analysis module configured to accumulate the user's scrapped financial information, and generate guide information related to the user's money management by analyzing the accumulated information using one or more of a transaction type or a transaction date and time; And a transmitter configured to transmit the guide information to the mobile device.

In one embodiment, the analysis module stores the authentication information of a user, periodically receives and accumulates the financial information from the financial institution server using the authentication information in a scraping manner, and accumulates the accumulated information in the mobile It is further configured to update using the financial information received from the device.

In one embodiment, the guide information is first guide information generated using information accumulated in the analysis module, and second information generated using updated information using the financial information received from the mobile device. Includes guide information.

In one embodiment, the transmitting unit periodically transmits the first guide information to the mobile device, and transmits the second guide information to the mobile device in response to receiving the financial information from the mobile device. It is composed more.

In one embodiment, the guide information includes one or more of an account balance associated with the user, the number and amount of account deposits and withdrawals, the number and amount of cards used, the amount of card sales, cash gains and losses, VAT refund information, billing information, and loan information. .

In one embodiment, the transmitter is further configured to transmit, to a one or more external servers, an execution request for financial processing associated with the guide information in response to a request transmitted from the mobile device that has received the guide information.

A mobile device according to an embodiment of the present invention includes a scraping unit configured to store user authentication information and receive financial information of a user from a financial institution server in a scraping method using the authentication information; A notification configured to receive, from the money management service system, information accumulated in the money management service system by the money management service system using one or more of a transaction type or a transaction date and time, and guidance information related to money management of a user generated by the analysis Receiver; And a transmitter configured to transmit the financial information to the money management service system to update the information accumulated in the money management service system.

In one embodiment, the scraping unit is further configured to scrape the financial information from the financial institution server in response to a request for additional information from a user after the guide information is received in the notification receiving unit.

In one embodiment, the notification receiving unit, after the financial information is transmitted to the fund management service system by the transmitting unit, the other money management information generated by using the updated information of the money management service system, the money management It is further configured to receive from the service system.

A money management service method according to an exemplary embodiment includes the steps of: storing and storing scraped financial information of a user by a money management service system; Generating, by the money management service system, information accumulated in the money management service system by using one or more of a transaction type or a transaction date and time to generate guide information related to a user's money management; The fund management service system transmitting the guide information to the user's mobile device; And the money management service system receiving, from the user's mobile device, the financial information received by the mobile device in a scraping manner from the financial institution server using the user's authentication information. And updating, by the money management service system, the information accumulated in the money management service system using the financial information received from the mobile device.

In one embodiment, the step of accumulating and storing the scrapped financial information comprises: storing user authentication information in the fund management system; And the money management system periodically receiving and accumulating the financial information from the financial institution server in a scraping manner using the authentication information.

According to an embodiment of the present invention, the fund management service method includes the mobile terminal providing another guide information generated by the fund management system using information of the fund management service system updated using the financial information received from the mobile device. And transmitting to the device.

In one embodiment, the step of transmitting the guide information is performed periodically, and the step of transmitting the other guide information to the mobile device is performed in response to receiving the financial information from the mobile device.

A money management service method according to an embodiment includes the steps of: receiving, by the money management service system, a request transmitted from the mobile device receiving the guide information; And the money management service system, in response to the received request, further requesting execution of financial processing associated with the guide information to one or more external servers.

According to another embodiment, a method for managing a money service includes: storing authentication information of a user in a user's mobile device; The mobile device receives information accumulated in the money management service system from the money management service system, and guide information related to money management of a user generated by analyzing the money management service system using one or more of a transaction type or a transaction date and time. Receiving; Receiving, by the mobile device, financial information of a user from a financial institution server in a scraping method using the authentication information stored in the mobile device; And the mobile device transmitting the financial information to the money management service system to update the information accumulated in the money management service system.

In one embodiment, the step of receiving the financial information is performed in response to an input of an additional information request from a user after the step of receiving the guide information.

In the method of managing money according to an embodiment, after the step of transmitting the financial information to the money management service system, the mobile device receives another guide information generated by using the updated information of the money management service system. And receiving from the money management service system.

A computer program according to an embodiment may be stored in a computer-readable recording medium as a combination of hardware and for executing a money management service method according to the above-described embodiments.

According to the money management service system and method according to an aspect of the present invention, the guide information necessary for the user's money management is optimally formed by combining scraping performed on the server side and scraping performed on the user's mobile device. It can be provided to the user. That is, information scraped from the user's mobile device is accumulated in the money management service system and guide information is automatically generated based on the information accumulated in the money management service system to be provided to the user's mobile device. The accumulated information can be updated using scraping in and the updated guide information can be provided to the user.

Using the money management service system and method according to an aspect of the present invention, account balances related to the user, the number and amount of deposits and withdrawals, the number and amount of cards used, the amount of card sales, cash gains, VAT refund information, bill information, etc. By collecting and analyzing financial information, it is possible to provide a customized service that periodically transmits guide information at the user's request or even without the user's request, and it is possible to integrate and manage multiple accounts or cards of the user.

Using the money management service system and method according to an aspect of the present invention, even if a user does not directly request information, various types of customized information can be periodically guided based on information analyzed by a server, and additionally, if necessary Upon request, this information may be updated or verified in processed form. Through this, the user can more accurately and accurately grasp his / her financial activities, and there is an advantage of easily performing additional processing such as information transfer to a tax office using financial information, simple payment of bills, or loan consultation.

1 is a schematic block diagram of a money management service system according to an embodiment.
2 is a schematic block diagram of a user's mobile device for a financial information guidance service according to an embodiment.
3 is a schematic flowchart of a method for managing money management according to an embodiment.
4A and 4B are conceptual diagrams of a user interface (UI) for managing an account on a mobile device according to an embodiment.
5A-5F are conceptual diagrams of exemplary UIs based on accounts on a mobile device according to one embodiment.
6A and 6B are conceptual diagrams of exemplary UIs in which a user requests additional information in a mobile device according to an embodiment.
7A to 7D are conceptual diagrams of exemplary UIs based on card information on a mobile device according to an embodiment.
8A and 8B are conceptual diagrams of exemplary UIs based on VAT information on a mobile device according to an embodiment.
9A and 9B are conceptual diagrams of exemplary UIs based on bill information on a mobile device according to an embodiment.
10A to 10C are conceptual diagrams of exemplary UIs related to bills and convenient storage on a mobile device according to an embodiment.
11A and 11B are conceptual diagrams of exemplary UIs related to account integration management on a mobile device according to an embodiment.
12 is a conceptual diagram of an exemplary UI related to a simple loan consultation on a mobile device according to an embodiment.

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

1 is a schematic block diagram of a money management service system according to an embodiment, and FIG. 2 is a schematic block diagram of a user's mobile device for using the money management service according to an embodiment.

1 and 2, the money management service system 3 according to the present embodiment is configured to operate in communication with a user's mobile device 1 through a wired and / or wireless network 2. In addition, the mobile device 1 and the money management service system 3 are configured to communicate with one or more external servers such as the financial institution server 4 and the tax office server 5 through the wired and / or wireless network 2. .

The communication method through the wired and / or wireless network 2 may include an object and all communication methods through which the object can be networked, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. . For example, the wired and / or wireless network 2 includes 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), W-CDMA (Wideband Code Division Multiple Access), CDMA (Code Division Multiple Access), TDMA (Time Division Multiple Access), Bluetooth (Bluetooth), Zigbee (Zigbee), Wi-Fi (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 communication It may refer to, but is not limited to.

The user's mobile device 1 is configured to receive guidance information based on the financial information of the user accumulated by scraping in the money management service system 3. In addition, the mobile device 1, from the financial institution server 4 by using the authentication information stored in the mobile device 1 when there is an additional request of the user receiving the guidance information of the money management service system (3) It is configured to receive financial information in a scraping manner.

Scraping refers to a technology that extracts and imports only necessary data from the financial institution server 4, and is divided into a client method and a server method according to the location of authentication information, and a money management service system Scraping by (3) may be referred to as server scraping, and the mobile device 1 may periodically receive guide information based on server scraping. On the other hand, if there is a request for additional information from the user who has received the guide information, the mobile device 1 is directly scraped through the mobile device 1 in the embodiments in parallel with the above-mentioned server scraping, and the mobile device is mobile according to the user's request. The device 1 may directly perform scraping to receive financial information.

That is, in the embodiments of the present invention, server scraping by the money management service system 3 and scraping in the mobile device 1 are used in parallel. However, in another embodiment, the money management service system 3 transmits and accumulates financial information scraped from the mobile device 1 to the money management service system 3 without performing server scraping, and based on this, the money management service It is also possible for the system 3 to generate guidance information.

 The mobile device 1 and / or the money management service system 3 may store authentication information for scraping and receive financial information from the financial institution server 4 in a scraping manner based on this. The financial institution server 4 that communicates with the user's mobile device 1 and the money management service system 3 may be a server that provides a service webpage operated by banks or card companies to provide financial information. In the web service is intended to collectively refer to hardware equipment such as a predetermined web page and a server for providing the web service.

In FIG. 1, the financial institution server 4 is shown as a single device, but this is merely a simplified representation of related institutions that provide various web services for receiving financial information of a user, and is a finance operated in connection with the present invention. It will be readily understood by those skilled in the art that the engine server 4 does not necessarily consist of only one.

In this specification, the user does not necessarily refer to one natural person, but is intended to refer to any individual or organization for using the money management service system and method according to the embodiments.

Referring to FIG. 2, in one embodiment, the user's mobile device 1 includes a scraping unit 11, a transmitting unit 12, and a notification receiving unit 13. The mobile device 1 and the money management service system 3 according to the embodiments may have aspects that are entirely hardware, or partially hardware and partially software. For example, each unit included in the mobile device 1 and the money management service system 3 collectively refers to hardware and software related to processing data of a specific format and content and / or electronic communication. can do. The terms "part", "module", "device", "terminal", "server" or "system" in this specification are intended to refer to a combination of hardware and software driven by the hardware. For example, the hardware can be a data processing device that includes a CPU or other processor. Also, software driven by hardware may refer to a running process, an object, an executable, a thread of execution, a program, or the like.

In addition, each part (11-13) constituting the mobile device (1) and each part (31-39) constituting the money management service system (3) according to the embodiments are distinct physically distinct It is not intended to refer to a component. That is, each part (11-13) constituting the mobile device (1) and each part (31-39) constituting the money management service system (3) are shown as separate blocks separated from each other in the drawing, Some or all of these can be integrated into the same single device. In addition, each unit (11-13, 31-39) is only functionally divided according to the operation performed by the mobile device (1) or the money management service system (3), must be separated from each other separate elements It does not mean.

The scraping part 11 of the mobile device 1 is a part that receives financial information from the financial institution server 4 in a scraping manner when the mobile device 1 directly performs scraping according to a user's request. To this end, in embodiments, authentication information for scraping is stored in the scraping unit 11 on the user's mobile device 1.

In the present specification, the authentication information refers to financial institution (eg, bank or card company, etc.) identification information, account number and deposit name, account information, card number, expiration date, and card validity check code (CVC) required to search financial information. Refers to any information including one or more of card information, account and / or card password. Further, the authentication information may include one or more accredited certificates issued to the user. The authentication information may be input or received in the scraping unit 11 and stored when the account and / or card are first registered by the user. When there are a plurality of accounts and / or cards to receive financial information, authentication information stored in the scraping unit 11 may also be a plurality corresponding to each account and / or card.

The notification receiving unit 13 periodically and / or aperiodically guides information generated by analyzing the financial information accumulated by the money management service system 3 based on the financial information accumulated in the money management service system 3. To receive. For example, the guide information received by the notification receiving unit 3 may include a push notification through an application on the mobile device 1. If the user wishes to view after receiving the push notification, it is possible to receive guidance information corresponding to the push notification from the money management service system 3 by accessing the money management service system 3 through an application. In this specification, that the guide information is received by the user's mobile device 1 is intended to include the above communication process via push notification.

The scraping unit 11 receives financial information from the financial institution server 4, as described above, when there is a request for additional information from the user who has received the guide information. The transmitting unit 12 transmits the financial information received by the scraping unit 11 from the financial institution server 4 to the money management service system 3. The information transmitted from the transmitter 12 to the money management service system 3 updates the information accumulated in the money management service system 3, and based on the information updated in the money management service system 3, a more current time point. This is to enable the generation of guidance information that reflects an analysis that is close to or more insightful. Accordingly, in one embodiment, the operation of the scraping unit 11 and the transmitting unit 12 may be made in response to a request for additional information from a user who has received the guide information.

In another embodiment, the scraping unit 11 and the transmitting unit 12 periodically receive financial information and transmit it to the money management service system 3. For example, the mobile device 1 according to the present exemplary embodiment is implemented in the form of a smartphone on which an application (or an app) is executed, and a scheduler is applied to the application, so that the user's It can operate to scrape financial information at regular intervals and transmit it to the money management service system 3 without additional input. Alternatively, the transmitter 12 may transmit financial information to the money management service system 3 in response to the execution of the application for scraping on the mobile device 1 or in response to the execution of the scraping through the application. have.

In FIG. 1, the mobile device 1 is shown in the form of a smart phone, but this is an example, and the form of the mobile device 1 according to the embodiments is not limited to a smart phone, and the mobile device 1 is in other mobile communication. Any computing device, such as a set-top box for a terminal, personal computer, notebook computer, personal digital assistant (PDA), tablet, Internet Protocol Television (IPTV), etc. It can be implemented in the form.

The money management service system 3 accumulates and stores financial information of the user. At this time, the accumulated financial information may be received by a server scraping method in the money management service system 1, or may be transmitted to the money management service system 3 after scraping in the mobile device 1. In addition, the fund management service system 3 is configured to generate guide information that is determined to be necessary for the user of the mobile device 1 by analyzing the accumulated financial information, and periodically transmit the guide information to the mobile device 1. . The guide information may be generated by analyzing financial information received during a specific period using one or more of a transaction type or a transaction date and time. In addition, the money management service system 3 updates the information accumulated in the money management service system 3 by using the financial information received with the request for additional information from the mobile device 1 after the transmission of the guide information, and updates Another guide information may be further transmitted to the mobile device 1 based on the obtained information. The specific form of the guide information will be described later in detail with reference to FIGS. 4 to 12.

Referring to FIG. 1, in one embodiment, the money management service system 3 includes a receiver 31, an analysis module 30, and a transmitter 33. As described above, the money management service system 3 and the respective parts and modules included therein may collectively refer to hardware and software associated with it for processing data in a specific format and content and / or electronic communication. have. In addition, each unit and module are functionally divided according to the operation performed by the money management service system 3, and do not necessarily mean separate elements separated from each other.

The money management service system 3 according to an embodiment corresponds to an application service server that communicates with an application running on the mobile device 1. The reception unit 31 receives financial information from the transmission unit 12 of the user's mobile device 1, and the analysis module 30 receives information accumulated in the money management service system 3 and the transmission unit (! 2). The updated information is analyzed by using the financial information through an analysis algorithm to generate guide information to be transmitted to the mobile device 1. The transmitting unit 33 transmits the guide information generated by the analysis module 30 to be received by the notification receiving unit 13 of the mobile device 1. For example, in one embodiment, the guide information transmitted by the transmitter 33 is based on information accumulated in the money management service 3 system (for example, once a day at a predetermined time), the guide information transmitted (for example, First guide information), and periodically (for example, when a user requests) requests additional information from the user, and updates existing information through scrapped financial information from the mobile device 1, and further types of guide information generated based on this (Eg, second guide information).

The guide information is analyzed by analyzing the financial information using the transaction type and / or transaction date and time, for example, account balance, account deposit and withdrawal number and amount, card usage number and amount, card sales amount, cash gain and loss, and VAT refund information. , One or more of bill information and loan information. The above information may comprehensively represent financial information during a corresponding period according to a transmission period of guide information. In addition, when a plurality of target accounts or cards of the guide service exist, the account balance, the number of account deposits and withdrawals, and the amount of account deposits and withdrawals may be aggregated information for the plurality of target accounts. Likewise, the number of card use and the amount of card use may be summed information for a plurality of target cards. Users can grasp their financial activities at a glance through guide information.

In one embodiment, the money management service system 3 may transmit different kinds of guide information to the mobile device 1 according to different time points. At this time, the information transmitted at each time point is based on the information accumulated in the money management service system 3, but the types, contents, and / or types of information included may be different from each other. For example, the money management service system 3 generates guide information (eg, third guide information) using the financial information accumulated in the analysis module 30 at the first time point, and is second after the first time point. It is possible to generate guide information (eg, fourth guide information) including analysis information based on the financial information accumulated in the analysis module 30 at a time point and transmit it to the mobile device 1.

At this time, the guide information generated for each time point may include statistical information (for example, the number and amount of deposits and withdrawals, the number and amount of cards used, and the amount of money) during a specific time period of the financial information, or trend information indicating a difference between time sections of the financial information have. For example, the third guide information may be information transmitted on a daily basis at a predetermined time each day, and the fourth guide information may be information transmitted at a predetermined time every week or month, which is a week or month that is a longer period. However, this is an example, and in other embodiments, the third and fourth guide information may be generated and transmitted aperiodically.

In one embodiment, the analysis module 30 includes a user management unit 32. The user management unit 32 receives and stores subscription information from a user, such as an individual, individual business operator, or corporation, who wants to use the money management service. The subscription information may include information of payment means, such as a resident registration number, business registration number, corporation registration number, etc. for identifying an individual, individual business operator, or corporation, and one or more account information or one or more card information for use by a user. The payment method information may be the same as the user's account or card on which the financial information is scraped by the mobile device 1. In addition, when the money management service system 3 receives financial information in a server scraping manner, the user management unit 32 may store authentication information of a user for scraping.

In one embodiment, the user management unit 32 may perform a self-authentication process through communication with a telecommunications server during the sign-up process, or a personal business or corporate authentication process through communication with an IRS server. The authentication process may be accompanied by a signing process through an individual or corporate accredited certificate. The self or business certification process is well known in the technical field, so a detailed description is omitted.

In one embodiment, the analysis module 30 includes an account management unit 34 in which user's account information is stored. In addition, in one embodiment, the analysis module 30 is based on the user's financial information and account information, such as account balance, account deposit and withdrawal number and amount, card usage number and amount, card sales amount, cash income, VAT refund information , An account management unit 34, a card management unit 36, a bill storage management unit 37, a bill management unit 38, and a loan management unit 39 for providing guidance information such as bill information and / or loan information. For detailed operations of the account management unit 34, the account management unit 34, the card management unit 36, the billing and storage management unit 37, the bill management unit 38, and the loan management unit 39, refer to FIGS. 4 to 12. It will be described later in detail.

3 is a schematic flowchart of a method for managing money management according to an embodiment.

Referring to FIG. 3, a user may execute a predetermined application on the mobile device 1 and input information of a target account and / or card to receive a money management service (S1). In addition, the user inputs authentication information to enable scraping from the financial institution server 4 in connection with the target account and / or card, and the authentication information is stored on the user's mobile device 1 (S2).

In addition, when the money management service system 3 accumulates financial information in a server scraping manner, authentication information is transmitted from the user's mobile device 1 to the money management service system 3 (S3), and the money management service system (3) stores the received authentication information (S4).

In the money management service system 3, the financial information from the financial institution server 4 is received by the server scraping method using the authentication information of the user stored in the money management service system 3 (S5). In addition, the received financial information is accumulated and stored in the money management service system 3 (S6). In addition, the fund management service system 3 analyzes the accumulated financial information to generate guide information (or first guide information), and transmits the generated guide information to the user's mobile device 1 (S7). The guide information generated by the money management service system 3 can be generated periodically and transmitted to the mobile device 1 (for example, once a day), but is not limited thereto. In addition, the guide information transmitted at this time is guide information generated at the first time point (or every first cycle) according to the type and range of the information, and at a second time point after the first time point (or, It may also include guidance information generated every second period longer than one period).

Since the guide information periodically transmitted by the money management service system 3 is not real-time information, the user may apply the application on the mobile device 1 to obtain more up-to-date information or to obtain information in a form desired by the user. Additional information can be requested at (S8). In this case, the mobile device 1 receives financial information directly from the financial institution server 4 using the authentication information stored or input in the mobile device 1 (S9), and receives the financial information from the financial management service system Synchronize with (3). That is, by transmitting the financial information received from the mobile device 1 to the money management service system 3 (S10), the information accumulated in the money management service system 3 can be updated.

In the money management service system 3, the financial information scraped by the mobile device 1 is received from the mobile device 1, and the information accumulated in the money management service system 3 is updated by using it (S11). Based on the information, another guide information (or second guide information) different from the previously generated guide information may be generated and transmitted to the mobile device 1 (S12). At this time, the additional guide information transmitted (that is, the second guide information) is a more recent fund information is reflected than the previously transmitted guide information (ie, the first guide information), or the accumulated financial information is provided to the user. It may be analyzed and processed to present necessary information, which will be described later in detail.

A specific form of guide information provided by the money management service system 3 according to the embodiments will be described below with reference to FIGS. 1 and 4 to 12. However, in the drawings attached to the present specification, the display form of the information is merely exemplary, and the form of a user interface (UI) or user experience for a method for managing a money service according to embodiments is shown. It is not limited by the drawings of the specification.

4A and 4B are conceptual diagrams of a UI for managing an account on a mobile device according to an embodiment.

1 and 4A, the user registers the account information in the business relationship with the user in the account management unit 34 by communicating with the account management unit 34 of the money management service system 3 in the mobile device 1. You can search for pre-registered account information. In addition, the user can perform a money transfer for a specific account through a UI on the mobile device 1 (so-called, simple payment) or query the transaction details of the corresponding account. In order to register a new account, the user can search or register the account information (financial institution, account number and account holder name) of the account using the UI as shown in FIG. 4B, and register the account name of the account You can enter information such as the number or corporate registration number, personal information of the person in charge. The entered account information can be used to generate guide information to be provided to the user.

5A-5F are conceptual diagrams of exemplary UIs based on accounts on a mobile device according to one embodiment.

1 and 5A, the account management unit 35 may provide account balance information as guide information to the user, and the user may query detailed account balance information by selecting a detailed view. Referring to FIG. 5B, account balance information may include account balances at a specific point in time, and may include sum balances for a plurality of accounts and individual balance information of each account.

Also, referring to FIGS. 1 and 5C, the account management unit 35 may provide deposit and withdrawal history information as guide information to the user, and the withdrawal and withdrawal history information includes the number of deposits and withdrawals, the total amount of deposits, and the total amount of deposits. Information can be selected. When the user requests inquiry of the details, date, brief and amount information corresponding to each deposit or withdrawal item may be provided for each account, as shown in FIG. 5D.

Furthermore, referring to FIGS. 1 and 5E, the account manager 35 may provide the mobile device 1 with the cash income report generated based on the financial information accumulated in the account manager 35 as guide information. For example, the cash income report may include the number and amount of deposits during a specific period (eg, 1 month), the number and amount of withdrawals, and the cash income information obtained by subtracting the total withdrawal amount from the total amount. In detail of the cash income report, as shown in FIG. 5F, information such as the number and amount of deposits during a specific period (eg, 1 month), the number and amount of withdrawals, and cash gains and losses may be included for each account.

In one embodiment, the cash income report includes trend information obtained by comparing deposit amount, withdrawal amount or cash gain and loss of guidance information generated at the first time point, and deposit amount, withdrawal amount or cash gain and loss of guidance information generated at the second time point, respectively. You can. For example, the cash income report compares the deposit amount, withdrawal amount, or cash gains and losses at the first time point (for example, August) to the deposit amount, withdrawal amount, or cash gains and losses at the second time point (for example, September). , It may include information for display as a graph or a number.

6A and 6B are conceptual diagrams of exemplary UIs in which a user requests additional information in a mobile device according to an embodiment.

Referring to FIGS. 1 and 6A, the monthly profit / loss statement of the daily deposit and withdrawal history is a periodic guide information (that is, first guide information) generated based on the financial information of the user accumulated in the money management service system 3 It can be provided to the mobile device (1). The guidance information shown in FIG. 6A is exemplary, and the types and types of guidance information automatically generated in the money management service system 3 may be different.

On the other hand, although the user has received periodic guidance information, there may be a desire to receive guidance information reflecting the more recent status or guidance information reflecting specific items desired by the user. For example, the money management service system 3 periodically collects financial information until 5 am today by scraping, but in accordance with the generation cycle of guide information, deposits and withdrawals until 12:00 pm the previous day as shown in FIG. 6a. It is assumed that daily deposit / withdrawal information including details is generated as guide information. However, the time when the user checks the guide information may be a time point that is later than the final point of time of the guide information or the last point of accumulation of the financial information, such as 9:00 am today.

At this time, when the user requests additional information regarding the balance or deposit and withdrawal transaction related to the daily deposit and withdrawal history, the user's mobile device 1 directly receives the information requested by the user until the most recent point in time, and the received information To the money management service system 3. In the money management service system 3, information transmitted from the mobile device 1 is compared with information accumulated in the money management service system 3 in the past, and duplicate information is discarded and new information is added to manage the money. The information of the service system 3 can be updated. In the above-described example, if the mobile device 1 transmits the financial information by scraping based on 9:00 AM of the day, the deposit and withdrawal history until 5 AM of the day is discarded as information that overlaps with the existing accumulated financial information, and today The information from 5 am to 9 am will be added to the money management service system 3.

The fund management service system 3 receives the scrapped financial information from the mobile device 1 together with the user's request for additional information to update the information in the money management service system 3, and based on the updated information, the user's Another guide information (ie, second guide information) corresponding to the request may be provided. Another guide information provided at this time may be provided immediately in response to the user's request, or once the information of the money management service system 3 is updated and then the process of analyzing the updated information and the mobile device with a time difference (1) may be provided in the form of a notification.

In the above, the user's request for additional information and the guide information according thereto have been described with examples of deposit and withdrawal, but the form of additional information that the user can request is not limited thereto.

As a non-limiting example, the user may request additional information in the form of [How much is the latest balance?], As shown in FIG. 6B, and the money management service system 3 responds to this in the mobile device 1 The real-time balance inquiry result of the entire scraped account may be received, and based on this, the current balance information may be sent as guide information. Alternatively, the user can request additional information in the form of [Do you have a transaction history?], And the financial management service system 3 responds to the real-time deposit / withdrawal history inquiry result of the entire account scrapped from the mobile device 1. It is possible to receive and send the deposit and withdrawal information on the day as guide information based on this. Alternatively, the user may request additional information in the form of [How much is the sales so far?], And the money management service system 3 responds to this from the first day of the year scrapped in the mobile device 1 to the date of inquiry It can receive the sales information of, and based on this it can send the sales information of the year as guide information.

According to the form of the guide information according to the embodiments of the present invention described above, through the server scraping of the money management service system (3) not only provides information to inform (not automatically) to inform, but also, the user By sending additional guidance information about what the user asks (that is, according to the user's request for additional information), automatic analysis at the server stage in line with the predicted information needs of all users as well as scraping operations that meet the individual needs of users Since this is done in parallel, users have the advantage of being able to quickly and multilaterally check the status of their assets.

7A to 7D are conceptual diagrams of exemplary UIs based on card information on a mobile device according to an embodiment.

1 and 7A, the card management unit 36 may provide card usage history information to the user as guide information. The card usage history information may include information on the number of times the card is used and the amount of money used. When a plurality of cards to be managed exists, the card usage history information may include the number of times of use and the amount of use summed up for the plurality of cards. The details of the card use history information may include card use date, use place, and use amount information for each card as shown in FIG. 7B.

Also, referring to FIGS. 1 and 7C, the card management unit 36 may include information on a deposit amount corresponding to sales details paid by a card using a user as a destination at a customer as guide information to the user. When there are a plurality of cards to be managed, the deposit amount may be the sum of the sum of sales for the plurality of cards. The details of the deposit amount may include information such as the name of the customer corresponding to the individual card sales and the amount of sales, as shown in FIG. 7D.

In one embodiment, the guide information provided by the card management unit 36 may include deposit deposit information generated by linking account deposit and withdrawal information to each other. The card manager 36 may provide, as guide information, whether or not payment for a specific card sales is confirmed by collating the account name and sales amount corresponding to the card sales with the deposit summary and deposit amount of the account withdrawal information. For example, when checking whether the deposit amount is the same as the amount of the card sales amount and the account deposit amount, it may be determined primarily that the sales amount is deposited. In addition, in order to confirm whether or not the deposit has been made, the first verification of the amount may be followed by a second verification process for the deposit name of the sales transaction name and deposit information.

In one embodiment, the guide information provided by the card management unit 36 may include card point information received from a card company web service. When there are a plurality of cards targeted for guidance service, the card point information may include point information obtained by summing the number of card companies related to the plurality of cards and the remaining points of each card company. When the user requests detailed inquiry by selecting the summed card point information, point information for each individual card is displayed on the user's mobile device in a manner similar to the inquiry screen of the card usage history shown in FIG. 7B. It might be.

In one embodiment, the guide information for the card use history is similar to the account deposit and withdrawal information described above, and the guide information (ie, the first guide information) periodically generated by the money management service system 3 and the user's individual request. It may include guide information (ie, second guide information) generated in response. In addition, in one embodiment, the guide information for the card usage history may include a plurality of guide information generated at different times, as well as the account deposit and withdrawal information described above, and also indicate a change in change between each guide information. It may also include analysis information.

As an example of the analysis information, the money management service system 3 may transmit a trend according to the time of account transaction, such as account balance, deposit transaction number, deposit amount, withdrawal transaction number and / or withdrawal amount, as analysis information. For example, the analysis information is divided into deposits, withdrawals, and / or account balances of the current month, the previous month, and the average (cumulative average up to now or average over a predetermined period, etc.) as shown in Tables 1 to 3 below. It may include, and may also include trend information corresponding to the difference between the current month and the previous month.

May deposit analysis
Tuesday, June 1, 2016 Deposit Trend
△ 1,000,000 (increase) The month 4,500,000 Previous month 5,500,000 Average 4,000,000

May withdrawal analysis
Tuesday, June 1, 2016 Withdrawal trend
▽ 300,000 (decrease) The month 3,300,000 Previous month 3,600,000 Average 2,500,000

May balance analysis
Tuesday, June 1, 2016 Balance change
▽ 1,020,000 (decrease) The month 45,544,000 Previous month 35,544,000 Average 32,544,000

In addition, the analysis information may include information that divides the amount of card use and / or card sales into the month, month, and average as shown in Table 4 and Table 5 below, and also includes trend information corresponding to the difference between the month and the previous month. can do.

May card usage analysis
Tuesday, June 1, 2016 Card use trend
▽ 300,000 (decrease) The month 3,300,000 Previous month 3,600,000 Average 2,500,000

May card sales analysis
Tuesday, June 1, 2016 Card sales trend
▽ 600,000 (increase) The month 30,900,000 Previous month 30,600,000 Average 20,500,000

In the case of the analysis information shown in Tables 4 to 5, since the trend of the target information is analyzed on a monthly basis, guide information including such analysis information can be transmitted to the user's mobile device 1 every month. However, the generation cycle of the analysis information is not limited to this. In addition, the form of the analysis information described above is merely exemplary, and the analysis information is not limited thereto. For example, the analysis information may include the number and amount of account transactions / card usage by day or time period, the number and amount of account transactions by counterpart account, the number and amount of card usage by merchant type.

In one embodiment, the analysis information generated by the account management unit 35 or the card management unit 36 may be included as part of the guide information periodically generated by the money management service system 3, or periodic guide information It may be included as part of the guide information generated by requesting additional information by a user who has received.

In addition, in one embodiment, the guide information provided to the user by the account management unit 35 or the card management unit 36 may include promotion information that is determined and presented to the user based on the card usage history or account withdrawal history. . That is, the money management service system 3 may automatically determine promotional information for a financial product that the user may need based on the financial information of the user and provide it to the user as one of the guide information.

Examples of promotional information include displaying a message that induces automatic transfer to a financial institution account along with the card usage history, or induces a user to use the current transaction bank or consume the current financial product in a financial institution such as a bank. A message may be displayed, or a message inducing the use of another service not utilized by the user among services provided by the money management service device may be displayed, but the present invention is not limited thereto. In addition, the promotion information may include a link to an external server such as the tax office server 5.

8A and 8B are conceptual diagrams of exemplary UIs based on VAT information on a mobile device according to an embodiment.

Referring to FIGS. 1 and 8A, the bill management unit 38 may provide the user with the estimated value of VAT refund as guide information. The estimated VAT refund amount may be determined as the sum of the VAT amount of the card payment amount to the customer recognized as an expense in the user's card use history. As shown in FIG. 8B, the detailed description of the estimated VAT refund amount information may include, for each account or card, the amount of the refund amount, which is the sum of the VAT amount among the number of payments of cash or cards for each account.

In one embodiment, the bill management unit 38 receives a user request for transmitting the guide information from the mobile device 1 to an external server, such as the tax office server 5, after transmitting the guide information, and responds to the received request As a result, the bill management unit 38 may transmit the estimated value of VAT refund to the tax office server 5 on behalf of the user. Alternatively, the user can view the guidance information provided by the bill management unit 38 and select the transmission of information to the tax office server 5, thereby predicting the amount of VAT refund directly from the user's mobile device 1 to the tax office server 5 Information may be transmitted.

9A and 9B are conceptual diagrams of exemplary UIs based on bill information on a mobile device according to an embodiment.

1 and 9A, the bill management unit 38 may provide purchase tax invoice information issued to the user as guide information. To this end, the mobile device 1 may receive the purchase tax invoice from the IRS server (not shown) in a scraping manner and transmit it to the money management service system 3. The money management service system 3 may accumulate the transmitted purchase tax invoice and provide the purchase tax invoice information including the sum of the purchase amounts for a period of time as guide information. Details of the purchase tax invoice information may include information such as supply price and tax amount information, item information, supplier information, tax invoice approval number, and issue date corresponding to each purchase statement, as shown in FIG. 9B. In addition, the purchase tax invoice information may be generated for each account in connection with the account information registered by the user in the account manager 32.

In one embodiment, the bill management unit 38 may receive and store payment schedule information for the purchase tax invoice according to a user's request, or may perform payment for the purchase amount. The payment processing process may be performed by receiving the user's payment request from the bill management unit 38 and communicating with the financial institution server 4 accordingly, or after the user checks the guide information provided by the bill management unit 38 It may also be made by communicating directly with the financial institution server 4 from the mobile device 1.

10A to 10C are conceptual diagrams of exemplary UIs related to bills and convenient storage on a mobile device according to an embodiment.

1 and 10A, the claim storage management unit 37 may provide bill information issued to a user from a business partner as guide information. The bill information may include bill date and time, bill amount, and bill history information for each customer. In addition, invoice information may be generated for each account in connection with the account information registered by the user in the account management unit 32. The details of the billing information may include billing amount and deposit account information corresponding to each billing details, as shown in FIG. 10B. In addition, the user may perform a simple payment for each billing history after checking the billing information.

1 and 10C, a user may perform payment for each billing history of bill information by using his account or card registered in the user management unit 32 as a payment method. The user can perform payment by selecting a billing history to be paid and inputting an amount to be remitted. At this time, the account information is automatically entered based on the bill information generated by the billing and receiving management unit 37, so the user needs to input it manually. There is no, and the user can pay for the customer's billing history by simply inputting the transfer amount and deposit summary (if necessary) and entering the preset authentication information (for example, PIN).

The remittance process of the funds may be performed in a manner in which the claim storage management unit 37 mediates communication between the mobile device 1 and the financial institution server 4 according to a request received from the user's mobile device 1, or The mobile device 1 may be made in a manner in which the mobile device 1 directly communicates with the financial institution server 4 based on the guide information provided by the claim storage management unit 37.

11A and 11B are conceptual diagrams of exemplary UIs related to account integration management on a mobile device according to an embodiment.

1 and 11A, the account management unit 35 may transmit guide information in the form of merged account management information in which account deposit and withdrawal information is listed in a timeline form along with account balance information. Each transaction history and account balance may be maintained in real time in synchronization with information scraped from the mobile device 1. In addition, the user may query information of a plurality of accounts at once, or select a target account among a plurality of accounts, as shown in FIG. 11B.

In FIGS. 11A and 11B, account balance information and account deposit and withdrawal information are provided in an integrated manner, and information about account deposit and withdrawal information is presented in a timeline. However, this presentation method may also be applied to other types of guide information described in this specification. That is, the guide information may be provided for each category as illustrated in FIGS. 4 to 10, or may be provided in the form of a timeline in which one or more types of guide information are merged and arranged in chronological order.

12 is a conceptual diagram of an exemplary UI related to a simple loan consultation on a mobile device according to an embodiment.

Referring to FIGS. 1 and 12, the loan management unit 39 may provide the user with the loan evaluation result information based on the user's financial information as guide information. Loan review may be made at the request of the user, and the loan management unit 39 collects necessary information among financial information collected through scraping and accumulated in the money management service system 3 to the financial institution server 4 for loan review Transmitting, receiving the loan screening result information from the financial institution server 4 can be provided to the user as guide information. The loan examination result information, as shown in FIG. 12, identification information such as consultation number and customer number, user's company name, business registration number, and representative's name, account subject for loan, transaction classification and application amount, loanable amount and repayment It may include information such as conditions and required documents for loan.

In one embodiment, the loan management unit 39 applies for a loan to the financial institution server 4 in response to a request received from the mobile device 1 of the user who has received the above-described guide information, so that the loan to the user is Can be executed. Alternatively, after confirming the guide information provided by the loan management unit 39, the user's mobile device 1 communicates with the financial institution server 4 to request execution of the loan directly from the mobile device 1 to the financial institution server 4 It might be.

The guide information according to the embodiments of the present invention described above can be automatically generated by the money management service system 3 and transmitted in the form of a notification to the mobile device 1 even if there is no user's request. When an additional request is made, scraping is performed by the mobile device 1 and based on this information, information of the money management service system 3 may be updated to provide additional guidance information to the user. In embodiments of the present invention, scraped data is accumulated and automatically analyzed in the money management service system 3, and if the user desires, analysis that is close to the current time or more insightful through scraping in the mobile device 1 Since it is possible to receive the reflected guide information, there is an advantage of providing intelligent money management information to the user without compromising user security.

The operation by the money management service method according to the above-described embodiments may be at least partially implemented as a computer program and recorded in a computer-readable recording medium. The program for implementing the operation by the fund management service method according to the embodiments is recorded, and the computer-readable recording medium includes all types of recording devices in which data readable by a computer are stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, and optical data storage devices. 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 this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but this is only exemplary, and those skilled in the art will understand that various modifications and modifications of the embodiments are possible therefrom. However, it should be considered that such modifications are within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

Claims (21)

A money management service system configured to communicate and operate with a user's mobile device through a wired or wireless network,
A receiving unit configured to receive financial information received by the user's mobile device in a scraping manner from a financial institution server using the user's authentication information from the mobile device through the network;
To accumulate and store the user's scrapped financial information, and analyze the accumulated information using one or more of a transaction type or a transaction date, to generate guide information related to the user's money management and transmitted to the mobile device A composed analysis module; And
And a transmitting unit configured to transmit the guide information to the mobile device through the network,
The analysis module stores the authentication information of a user, periodically receives and accumulates the financial information from the financial institution server using the authentication information in a scraping manner, and accumulates the accumulated information received from the mobile device. A money management service system further configured to update using financial information.
delete According to claim 1,
The guide information includes first guide information generated using information accumulated in the analysis module, and second guide information generated using updated information using the financial information received from the mobile device. Fund management service system.
According to claim 3,
The transmitting unit is configured to periodically transmit the first guide information to the mobile device, and further configured to transmit the second guide information to the mobile device in response to receiving the financial information from the mobile device. system.
According to claim 1,
The guide information includes a user account balance, account deposit and withdrawal number and amount, card usage number and amount, card sales amount, cash profit and loss, VAT refund information, bill information and loan information.
According to claim 1,
The transmitting unit is further configured to transmit a request for execution of financial processing associated with the guide information to one or more external servers in response to a request transmitted from the mobile device receiving the guide information.
A mobile device configured to communicate with a money management service system through a wired or wireless network, comprising:
A scraping unit configured to store the user's authentication information and receive the user's financial information from a financial institution server in a scraping manner using the authentication information;
A transmitter configured to transmit the financial information received by the scraping unit to the fund management service system through the network to update information accumulated in the fund management service system; And
A notification receiving unit configured to receive guidance information related to a user's money management from the money management service system through the network,
The guide information is generated by analyzing the information accumulated in the money management service system by using the money management service system using one or more of a transaction type or a transaction date and time.
The method of claim 7,
The scraping unit is further configured to scrape the financial information from the financial institution server in response to a request for additional information from a user after the guide information is received in the notification receiving unit.
The method of claim 8,
The notification receiving unit, after the financial information is transmitted to the fund management service system by the transmitter, receives another guide information generated using the updated information of the fund management service system from the fund management service system More configured mobile devices.
The method of claim 7,
The guide information, the mobile device including one or more of the account balance, the number and amount of account deposits and withdrawals, the number and amount of cards used, the amount of card sales, cash gains and losses, VAT refund information, billing information and loan information associated with the user.
A money management service method performed by a money management service system configured to communicate and operate with a user's mobile device through a wired or wireless network, comprising:
Storing the scrapped financial information of the user in the money management service system and storing the scrapped financial information in the money management service system;
Generating, by the fund management service system, information accumulated in the money management service system using one or more of a transaction type or a transaction date and time to generate guide information related to a user's money management and transmitted to the mobile device ;
Sending, by the fund management service system, the guide information to the user's mobile device through the network;
Receiving, by the financial management service system, the financial information received from the user's mobile device through the network by a scraping method from a financial institution server using the user's authentication information; And
The fund management service system includes updating the information accumulated in the money management service system using the financial information received from the mobile device.
The step of accumulating the scraped financial information and storing it in the fund management service system is:
Storing user authentication information in the fund management system; And
And the money management system periodically receiving and accumulating the financial information from the financial institution server in a scraping manner using the authentication information.
delete The method of claim 11,
The money management system further comprising the step of transmitting to the mobile device another guide information generated by using the information of the money management service system updated using the financial information received from the mobile device. Service method.
The method of claim 13,
The step of transmitting the guide information is performed periodically,
The step of transmitting the other guide information to the mobile device is performed in response to receiving the financial information from the mobile device, a money management service system.
The method of claim 11,
The guide information, a fund management service method comprising at least one of the account balance, the number and amount of account deposit and withdrawal, the number and amount of card use, the amount of card sales, cash gains and losses, VAT refund information, bill information and loan information associated with the user.
The method of claim 11,
Receiving, by the fund management service system, a request transmitted from the mobile device that has received the guide information; And
And the fund management service system further comprising, in response to the received request, requesting execution of financial processing associated with the guide information to one or more external servers.
A money management service method performed by a mobile device configured to communicate with a money management service system through a wired or wireless network, comprising:
Storing the user's authentication information in the user's mobile device;
The mobile device receiving guide information related to a user's money management from the money management service system through the network, wherein the guide information includes information accumulated in the money management service system, and the money management service system is a transaction type. Or receiving the guide information, which is generated by analyzing using one or more of the transaction date and time;
Receiving, by the mobile device, financial information of a user from a financial institution server in a scraping method using the authentication information stored in the mobile device; And
And the mobile device transmitting the financial information to the fund management service system through the network to update information accumulated in the fund management service system.
The method of claim 17, wherein the step of receiving the financial information is performed in response to an input of a request for additional information from a user after the step of receiving the guide information.
The method of claim 18,
After the step of transmitting the financial information to the money management service system, the mobile device further includes receiving from the money management service system another guide information generated using the updated information of the money management service system. Fund management service method to do.
The method of claim 17,
The guide information, a fund management service method comprising at least one of the account balance, the number and amount of account deposit and withdrawal, the number and amount of card use, the amount of card sales, cash gains and losses, VAT refund information, bill information and loan information associated with the user.
A computer program stored in a computer readable medium to execute the money management service method according to any one of claims 11 and 13 to 20 in combination with hardware.

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