KR20120138175A - Housekeeping book service method and system using network information - Google Patents

Abstract

The present invention analyzes the approval history text messages (SMS, LMS, MMS) sent from the card company server on the network of the telecommunication company when the payment is made using a financial card, such as a credit card or a check card. Automatically create, save, and manage your account book, enable you to search your account book via the web connected to a dedicated application or a regular PC installed on your smartphone, or sync your server with your server on the network ( The present invention relates to a smart account book service method and system capable of inquiring a book account at any time and from a user terminal through sync).

Description

Smart bookkeeping service method and system using network information {Housekeeping Book Service Method and System using Network Information}

The present invention relates to a smart account book service method and system, the payment history text messages (SMS, LMS, MMS) sent from the card company server when paying using a financial card, such as a credit card, check card, etc. By analyzing and automatically creating, storing and managing the account book on the use of the financial card by user, the account book can be viewed through the web connected to a dedicated application or a general PC mounted on the user's smartphone. In addition, the present invention relates to a smart account book service method and system that enables the user terminal to search the account book anytime and anywhere through a sync of a server and a user terminal on a network.

With the spread of credit cards, the use of credit cards rather than cash has recently been preferred. In accordance with the expansion of the use of credit cards, in order to effectively prevent fraudulent use due to the loss, theft and forgery of the credit card, the authorization information of the credit card is notified to the user terminal using SMS (Short Message Service).

Conventionally, in order to manage the card usage history, the terminal using the application or the web inquiries, and the user to manually write down the necessary information such as card company name, use place, date of use, amount in the notebook, or to analyze the SMS as described above In addition, by supporting the account book function, the card usage history can be created semi-automatically or automatically and stored and managed so that it can be viewed when needed.

However, even if the terminal itself analyzes the SMS and automatically creates a household account book, the household account service can be used only if the terminal OS (Operating Stem) supports it, and the card company name, place of use, date of use, and amount are provided by the SMS. In addition to the information, there is an inconvenience in that you need to input other information, such as the type of business. In addition, there is a risk of exposure of the login information when accessing the account book to the card company server through the application or the web of the terminal, there is an attempt to provide the account book in cooperation with all card companies from other service providers, but in this case all card companies Without partnerships, there is a limit to the difficulty of implementing business and technology due to insufficient information.

Accordingly, the present invention is to solve the above-described problems, the object of the present invention, through the interworking with the messaging system (SMSC, LMSC, MMSC, etc.) in the account book platform on the network of the carrier, the authorization history character sent from the card company server It is to provide a smart account book service method and system that can automatically create, store, and manage the account book on the financial card usage history, including information on the type of business for each user by analyzing the messages (SMS, LMS, MMS).

In addition, the user can view the account book for each user managed in the account book platform through a web connected to a dedicated application or a general PC mounted on the user's smartphone, or sync the account book platform and the user terminal on the network. It is to provide a smart account book service method and system that can enable the user terminal to look up the account book anytime and anywhere through).

First, to summarize the features of the present invention, according to an aspect of the present invention, the smart account book service method through a server on the network, (A) from the card company server for the card payment to the user terminal via the text message service center of the carrier Receiving a text message of the approval details and location information of the user terminal in the process of transmitting the text message of the approval details; And (B) an industry type determined based on the location information among the merchants inquired by the affiliate store name included in the text message of the approval history, based on the location information, based on the text message of the approval history. Generating personal account book information.

The location information of the user terminal may be location information on the nearest base station obtained by requesting the text message service center or GPS location information for the user through a GPS module mounted by the user terminal obtained by requesting the user terminal. .

In step (B), (B-1) maintaining the merchant information including information on each merchant name, merchant location information, and type of business for a plurality of merchants in the merchant management DB; (B-2) searching for affiliated store information on the affiliated stores having the same affiliated store name as that included in the text message of the approval history by referring to the affiliated store management DB; And (B-3) determining an industry type for an affiliate store closest to the user terminal based on the affiliate store information on the retrieved affiliate stores.

When the affiliated store management DB is established in the server providing the smart account book service, in step (B-3), the affiliated store location information and location information of the user terminal included in the affiliated store information for the retrieved affiliated stores are stored. In comparison, the affiliated store nearest to the user terminal may be determined, and a corresponding business type may be determined from the affiliated store information.

When the affiliated store management DB is established as an external server on a network interworking with a server providing the smart account book service, the server providing the smart account book service includes respective affiliate store names, affiliate store location information, and the like for a plurality of affiliate stores. And a second affiliated store management DB for maintaining affiliated store information including information on the type of business type. In step (B-2), the affiliated store name is included in a text message of the approval details by searching the external affiliated store management DB. Acquire a list of names of merchants having the same merchant name as in step (B-3), search for merchant names in the name list with reference to the second merchant management DB, and search for the merchant names found. Compare the affiliate store location information with the location information of the user terminal to find an affiliate store closest to the user terminal. However, and it can determine the type of industry from its merchant information.

The account book information includes subscriber terminal identifiers, service type information, card use date information, card company information, merchant name information, and payment amount information for each subscriber.

Access to a server providing the smart account book service through a dedicated application mounted on a user terminal or the web and query the account book information based on a DB in which the account book information is stored or with a user terminal periodically executed in the server. Through the sink process, the account book information may be inquired based on the storage means of the user terminal which is synchronized and stored.

In the inquiry, the account book information may be provided by selectively classifying by type of business, card use date, card company, merchant, or payment amount.

And, according to another aspect of the present invention, the smart account book service system through the server on the network, in the process of transmitting a text message of the approval details for the card payment from the card company server to the user terminal via the text message service center of the carrier An approval history request unit requesting the text message service center to receive a text message of the approval history and location information of the user terminal; And personal account book information based on the text message of the approval history to include a type of business determined for the merchant closest to the user terminal based on the location information among the merchants inquired by the merchant name included in the text message of the approval history. It includes a approval history analysis unit for generating a.

The smart account book service system provides the account book information based on a DB in which the account book information is stored to a user terminal connected to a dedicated application mounted on the user terminal or the web, and periodically performs a sink process with the user terminal. The account book information is further synchronized with the storage means of the user terminal via the account book information / sink processing unit for controlling to query the account information in the user terminal further comprises.

According to the smart account book service method and system according to the present invention, regardless of the terminal type can automatically create, store, and manage the account book on the financial card usage history in the account book platform on the network, the type of smartphone OS Regardless of whether or feature phone, you can search the account book managed by the account book platform through the web, and you can search the account book anytime and anywhere from the user terminal conveniently through the sync of the account book platform and the user terminal on the network. have.

In addition, for all card companies that do not need to be affiliated with the card company and send the approval information by text regardless of the type of card company, the account book on the account book platform on the network can be automatically created, stored, and managed.

In addition, by identifying and managing affiliate store types through management of affiliate store information, which is directly established or established through cooperation with DB companies, it is possible to make household account inquiry more convenient, such as inquiry by type of business type, when searching household account book.

In addition, when accessing an account book platform on a network through a dedicated application mounted on a terminal such as a user's smart phone and inquiring the account book, the service may be implemented without managing separate login information. Can be reduced.

1 is a view for explaining a smart account book service system according to an embodiment of the present invention.
2 is a block diagram of the account book management server of FIG.
3 is a flowchart illustrating an operation of a smart account book service system according to an embodiment of the present invention.
4 is an example of a card approval history text message.
5 is an example of management information of the affiliated store management DB.
6 is an example of an inquiry screen of account book information for each type of industry.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

1 is a view for explaining a smart account book service system 100 according to an embodiment of the present invention.

1, the smart account book service system 100 according to an embodiment of the present invention, the user terminal 110, merchant terminal (payment terminal through a network such as wired and wireless Internet, WCDMA, WiFi, WiBro mobile communication network, etc.) Or a web browsing terminal, etc.), a card company (a company that issued a financial card such as a credit card or a check card), and the like, interworking with each other, an account book management server 120, a merchant management DB (DataBase) 121, and an SMSC ( Short Message Service Center (or Short Message Service Center) (or LMSC, MMSC) 140, Home Location Register (HLR) 150, and the like.

The user terminal or merchant terminal (payment terminal or web browsing terminal, etc.) mentioned in the present invention may be a smartphone, but is not limited thereto, and may be a notebook PC, a desktop PC, or a palm PC (Palm PC) capable of communicating through a network. Personal Computer, etc., cellular phone, PCS phone (Personal Communications Services phone), synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000) capable of wireless communication, personal digital assistant (PDA) Can be a portable or mobile terminal with a Digital Assistant, a WAP phone (Wireless application protocol phone), a mobile play-station, other portable multimedia player (PMP), and can communicate with other electronic devices. Or it may include a variety of electronic devices or devices throughout the enterprise society.

In the smart account book service system 100 through the account book management server 120 on the network according to the present invention, according to the request for approval of the card payment at the merchant terminal, the card company server after the corresponding approval (mobile) the character of the carrier In the process of transmitting the text message (see FIG. 4) of the approval history for the card payment to the user terminal 110 via the message service center 140, the account book management server 120 may send the text message and the user of the approval history. Receive the location information of the terminal 110, and based on the location information of the user terminal 110 among the merchants inquired by the affiliated store management DB 121 with the affiliated store name included in the text message of the approval details. Create personal account book information based on the text message of the approval history to include the type of business determined for the merchant closest to the user terminal 110, Field, and it is possible to provide a household information to look up in the user terminal 110. The location information of the user terminal 110 received by the account book management server 120 may be location information of the base station closest to the user terminal 110 obtained by requesting the text message service center 140. In order to the text message service center 140 to request the HLR (150) to obtain the position information for the base station nearest the user terminal 110 in advance, when the interworking request of the account book management server 120, the text message of the corresponding approval details The corresponding location information of the user terminal 110 may be provided. Alternatively, the account book management server 120 may request location information from the user terminal 110, and the user terminal 110 receives GPS location information such as latitude, longitude, and altitude for the user through a GPS module mounted therein. It may be provided to the management server 120.

Accordingly, in the present invention, regardless of the type of the user terminal 110, the account book management server 120, which is an account book platform on the network, can automatically create, store, and manage an account book related to the financial card usage history. Regardless of the type of smartphone OS 110, or when the user terminal 110 is a feature phone, the account book managed by the account book platform can be inquired through the web, and the account book management server 120 and the user terminal on the network can be viewed. Through the sync (110) of the user terminal to conveniently look up the account book information anytime, anywhere. In addition, for all card companies that do not need to be affiliated with the card company and send the approval text by text regardless of the card company type (national, Shinhan, Nonghyup, etc.), the account book management server 120 on the network relates to the financial card usage history. You can automatically create, save, and manage your accounts. Merchant management DB (121) can be built directly from the telecommunications company, or can be established through affiliation with the DB company, look up the household account book by identifying and managing the type of merchant business in the merchant management DB (121) through the management of the merchant information. More convenient household account inquiry such as inquiry by type of city industry was made possible. In addition, when accessing the account book platform on the network through a dedicated application mounted on the terminal 110, such as a user's smart phone, the account book can be viewed, since the service can be implemented without managing separate login information, personal information It may also reduce the risk of exposure.

Such a smart account book service system 100 according to an embodiment of the present invention will be described in detail with reference to FIGS. 2 to 6.

2 is a block diagram of the account book management server 120. Referring to FIG. 2, the account book management server 120 controls the controller 210, the account book DB 211, the approval history requester 220, the approval history analyzer 230, and the account book inquiry / sink processor 240. Include. The above components of the account book management server 120 according to an embodiment of the present invention may be implemented in hardware, software, or a combination thereof.

First, the operation of each part of the account book management server 120 will be described briefly as follows.

The controller 210 is a processor that is in charge of the overall control of the components of the account book management server 120, may be implemented to include some of the above components.

The account book DB 211 manages subscriber terminal identifiers, which are terminals of users who have subscribed to the service, and account book information (business type information for subscriber terminal identifiers, card use date information, card company information, payment amount, etc.) for each subscriber terminal identifier. Here, the subscriber station identifier may be a terminal phone number, a universal subscriber identity module ( USIM) / Universal IC Card (UICC) ID (for example, 3G terminal), terminal ID (for 2G terminal), or the like. It may be other unique identification information for identifying the terminal of the user.

In addition, it is possible to use an external merchant management DB 121 on the network, but in order to function as an affiliate store management DB of the server 120 itself when not using it, the account book DB 211 for each ID for a plurality of merchants Merchant information, including merchant name, merchant location information, and business type information, may be stored and managed. Also, the account book DB 211 may store and manage an ID, a password, etc. for supporting the use of a service such as an inquiry through the Internet (web) connection, and the controller 210 may access the user terminal 110 based on the ID and password. Control of the account book service can be controlled.

The approval history request unit 220 transmits the text message of the approval history for the card payment from the card company server to the user terminal 110 via the text message service center 140 of the carrier, the text message of the corresponding approval history And location information of the user terminal 110.

Accordingly, the approval history analyzer 230 may determine the user terminal based on the location information of the user terminal 110 among the affiliate stores inquired by the affiliate store name included in the text message of the approval history received by the approval history requester 220. Household account book information by generating individual household account book information (business type information by subscriber terminal identifier, card usage date information, card company information, payment amount, etc.) based on the text message of the approval history to include the type of business determined for the merchant closest to 110). Stored in the DB (211).

The account book inquiry / sink processor 240 provides the account book information based on the account book DB 211 in which the account book information is stored to the user terminal 110 accessing and inquiring through a dedicated application mounted on the user terminal 110 or the web. can do. In addition, the account book inquiry / sink processing unit 240 periodically Through the sync process with the user terminal 110, the account book information may be synchronized and stored in a storage means (for example, a memory) of the user terminal 110. Accordingly, the user account 110 may store the account book information. You can also query information. The sink process as described above may be performed by the account book inquiry / sink processing unit 240 to exchange the necessary signal with the user terminal 110 through the network periodically, but is not limited to this, the user requests through the user terminal 110 In this case, the account book inquiry / sink processor 240 performs a sink process with the user terminal 110 through predetermined authentication, so that the account book information of the account book DB 211 is stored in the user terminal 110 (for example, a memory). May be updated to store the synchronized account book information.

Hereinafter, an operation description of the smart account book service system 100 according to an embodiment of the present invention will be described in more detail with reference to the flowchart of FIG. 3.

First, a user may purchase or receive goods at various stores of different types of industries, such as restaurants, gas stations, marts, and clothing stores, and pay at merchants such as stores or businesses through various financial cards that allow payments such as credit cards and check cards. Ask. The merchant requests the card company server to approve the payment amount as much as the user's purchase or service with the user's financial card using the merchant terminal. Accordingly, the card company server checks the number authentication and payment amount for the card of the user. If the authentication is suitable through a predetermined condition through the authentication is granted to the affiliated store terminal (S10), and generates a text message original text of the approval details for transmitting the approval details to the user terminal (110) (S11). Here, the card company server transmits the text message of the approval details to the user terminal 110 by using a short message service (SMS). However, the present invention is not limited thereto, and the card company server approves the user terminal 110 by using LMS (Long Message Service) or MMS (Multimedia Message Service) in order to transmit additional text messages including additional advertisement information. You can also send a text message of the details.

When the card company server transmits the text message of the approval details to the user terminal 110, the text message service on the network so that the corresponding text message is transmitted to the user terminal 110 via the text message service center 140 (S12). The center 140 receives the relay (S15). As described above, the text message service center 140 receives the text message of the approval details from the card company server to the user terminal 110 and transmits the text message to the user terminal 110. (Or an exchange), the UE may acquire location information on the base station closest to the user terminal 110 (S13) and temporarily store it in the storage means (S14). The user terminal 110 periodically updates the location information through the surrounding base stations and accordingly the location information of the base station for the current location of the user terminal 110 reported to the HLR 150 through the HLR 150 or the exchange. Can be obtained.

Afterwards, the approval history request unit 220 requests a link to the text message service center 140 (S20) from the text message service center 140, the text message of the corresponding approval history and the location information of the user terminal 110 (user terminal ( Location information on the nearest base station) may be received (S21). In addition, the user terminal 110 may be equipped with a Global Positioning System (GPS) module. At this time, the approval history request unit 220 may request location information from the user terminal 110, and the user terminal 110 may itself. GPS position information such as latitude, longitude, and altitude for the measurement may be provided to the approval history request unit 220 through the GPS module installed in the control unit. In the case of using the GPS location information, the approval history request unit 220 requests the interworking request to the text message service center 140 (S20) from the text message service center 140 to the position of the base station of the user terminal 110. Except for the information, only the text message of the approval details may be received (S21). The approval history request unit 220 stores the received text message of the corresponding approval history and the location information of the user terminal 110 in the account book DB 211 for each subscriber terminal identifier (S22).

Accordingly, the approval history analyzer 230 first extracts card use date information, card company information, merchant name information, payment amount information, and the like from the text message of the approval history as shown in FIG. 4 stored in the account book DB 211 ( S30). In particular, the affiliated store management DB 121 is queried using the extracted affiliated store name information (S31) to acquire affiliated store information on affiliated stores having the same affiliated store name (S32). The approval history analysis unit 230 may determine the type of industry for the affiliate store closest to the user terminal 110 based on the affiliate store information on the corresponding affiliate stores using the inquiry (search) result (S40). Here, merchants having the same merchant name inquired using the merchant name information are intended to have other merchants having the same name in addition to the merchant paid by the user, and the merchant closest to the user terminal 110 is the one the user has paid above. Corresponds to an affiliated store that is assumed to be an affiliated store.

Here, the function of the affiliated store management DB 121 may be performed by the account book DB 211 in the account book management server 120, and the affiliated store management DB 121 may manage the account book to interwork with the account book management server 120 through a network. It may be established outside the server 120 and affiliated.

First, as described above, the account book DB 211 including the function of the affiliated store management DB 121 includes, as shown in FIG. 4, an affiliated store name, affiliated store location information, and a business type for each ID for a plurality of affiliated stores. Merchant information, including information about the store is managed. Accordingly, the approval history analyzer 230 may search for merchant information on the merchants having the same merchant name as the merchant name included in the text message of the approval history (S31, S32), and searched accordingly. By comparing the merchant location information included in the merchant information on the merchants with the location information of the user terminal 110, the nearest merchant can be determined from the user terminal 110, and the corresponding industry from the merchant information for the nearest merchant. The type (eg, restaurant, gas station, mart, clothing store, etc.) may be determined (S40).

In addition, when the affiliated store management DB 121 is established outside the account book management server 120 to interwork with the account book management server 120 through a network, the account book DB 211 is described with reference to FIG. Likewise, the affiliated store information including the affiliated store name, the affiliated store location information, and the type of business type for each ID for a plurality of affiliated stores is stored and managed. Merchant management DB 121 may also manage the merchant information, including information on the merchant name, merchant location information, and type of business for each ID for a plurality of merchants, and the account book DB (211) The affiliated store information may be periodically exchanged by the controller 210 to share the same up-to-date affiliate store information with the affiliated store management DB 121.

At this time, the account book DB 211 is the minimum information for determining the type of business of the merchant and the merchant closest to the user terminal 110, for example, the merchant name for each ID for a plurality of merchants as described above, Merchant information, including merchant location information, and information on the type of business can be stored and managed, the merchant management DB (121) in addition to the above minimum information, as shown in Figure 4, the phone number, homepage address, Various management information about affiliated stores of each card company such as affiliated store advertisement information may be stored and managed. In this case, the controller 210 periodically exchanges information with the affiliated store management DB 121 so that the account book DB 211 shares the minimum information as described above among the latest information maintained by the affiliated store management DB 121. The corresponding information of the DB 211 may be updated with the corresponding information of the affiliated store management DB 121.

In this case, since the account book DB 211 manages the necessary merchant information, the approval history analyzer 230 queries the merchant management DB 121 and has the same merchant name as the merchant name included in the text message of the approval details. Only a list of names for affiliates can be obtained (S31, S32), and according to the account book DB 211 (second merchant management DB) to search the merchant names of the corresponding name list, the corresponding merchant names retrieved By comparing the merchant location information and the location information of the user terminal 110 to determine the merchant closest to the user terminal 110, and from the merchant information for the nearest merchant, the type of business (for example, restaurants, Gas stations, marts, clothing stores, etc.) can be determined (S40).

On the other hand, when the approval history analysis unit 230 as described above determines the merchant closest to the user terminal 110, the household account book by generating individual household account information based on the text message of the approval history to include the type of business determined for the merchant Stored in the DB 211 (S50), according to the account book inquiry / sink processing unit 240 may provide the account book information to be inquired by the user terminal (110) (S60). The account book information may be stored and managed according to the type of subscriber terminal subscribed to the service, business type information, card use date information, card company information, merchant name information, or payment amount information.

For example, the user accesses the account book management server 120 through the execution of a service-only application mounted on the user terminal 110 or the Internet web page, and based on the account book DB 211 in which the account book information is stored. You can search the account book information. At this time, the account book inquiry / sink processing unit 240 is connected to the user terminal 110 to access the inquiry through the dedicated application or the web mounted on the user terminal 110 to look up the account book information based on the account book DB 211 in which the account book information is stored Can provide.

In addition, the user is based on the storage means of the user terminal 110 in which the account book information of the account book DB 211 is synchronized and stored through the sink process with the user terminal 110 that is periodically executed in the account book inquiry / sink processing unit 240 You can also search your household account information. That is, the account book inquiry / sink processor 240 periodically stores the account book information through the sync process with the user terminal 110 (or at the request of the user terminal 110). (Eg, a memory) may be synchronized and stored, and accordingly, the user terminal 110 may inquire the corresponding account book information.

The user may selectively receive the corresponding account book information by selectively classifying by type of business, by card use date, by card company, by merchant, or by payment amount in each menu through an inquiry screen of the book information of the user terminal 110. In the case of providing an inquiry screen of the corresponding account book information based on the account book DB 211, the account book inquiry / sink processing unit 240 provides the respective menus as described above by type of business, by card use date, by card company, merchants, or The account book information may be queried for each payment amount, and the user terminal 110 may be provided when the inquiry screen of the account book information is provided based on the storage means (eg, memory) of the synced user terminal 110. Dedicated application can provide each menu as described above to look up the household account information by type of industry, by date of card use, by card company, merchants, or by payment amount.

For example, as shown in FIG. 6, when the user selects the household account view by type of industry from a menu on the screen, the user may select a type of industry such as a restaurant, a gas station, a mart, a clothing store, etc. as a submenu of the corresponding menu. The screen to select may be provided to the user terminal 110, and accordingly, the user selects one type of business and selects one from the provided usage list screen to use the card date, card company, merchant name, or payment amount. You can search the details. In FIG. 6, when selecting No. 3 in the account book view for each type of industry, the card usage history list screen (not shown) included in the type of industry and the corresponding usage history when selecting from the list may be inquired. In addition to the view of households by type of business, the household account view by card use date, by card company, merchants, or by payment amount may be supported.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims, as well as the claims.

120: account book management server
121: Merchant Management DB
211: Household account DB
220: approval history request unit
230: approval history analysis
240: account book inquiry / sink processing unit

Claims (10)

(A) in the process of transmitting a text message of the approval details for the card payment from the card company server to the user terminal via the text message service center of the communication company, receiving the text message of the approval details and the location information of the user terminal; And
(B) Among the merchants inquired by the merchant name included in the text message of the approval history, the individual type based on the text message of the approval history to include the type of business determined for the merchant closest to the user terminal based on the location information; Generating household account book information
Smart account book service method via a server on the network comprising a. The method of claim 1,
The location information of the user terminal is located on the network which is the location information of the nearest base station obtained by requesting the text message service center or the GPS location information of the user terminal obtained through the GPS module mounted by the user terminal obtained by requesting the user terminal. Smart household accounting method through the server. The method of claim 1,
In step (B),
(B-1) maintaining affiliated store information including information on each affiliated store name, affiliated store location information, and business type for a plurality of affiliated stores in the affiliated store management DB;
(B-2) searching for affiliated store information on the affiliated stores having the same affiliated store name as that included in the text message of the approval history by referring to the affiliated store management DB; And
(B-3) determining an industry type for an affiliate store closest to the user terminal based on the affiliate store information on the retrieved affiliate stores;
Smart account book service method via a server on the network comprising a. The method of claim 3,
When the affiliated store management DB is built in the server providing the smart account book service,
In step (B-3), the affiliated store location information included in the affiliated store information on the retrieved affiliated stores is compared with the location information of the user terminal to determine an affiliate store closest to the user terminal, and the corresponding business type from the affiliated store information. Smart account book service method through the server on the network to determine the. The method of claim 3,
When the affiliated store management DB is established as an external server on a network interworking with a server providing the smart account book service, the server providing the smart account book service includes respective affiliate store names, affiliate store location information, and the like for a plurality of affiliate stores. And a second merchant management DB that maintains merchant information including information on the type of industry.
In step (B-2), by searching the merchant management DB of the outside to obtain a list of names of merchants having the same merchant name as the merchant name included in the text message of the approval history,
In step (B-3), searching for affiliate store names in the name list with reference to the second affiliate store management DB, and comparing the affiliate store location information with respect to the retrieved affiliate store names with the location information of the user terminal and searching for the user terminal. Smart account book service method through the server on the network to determine the nearest merchant and the type of business from the merchant information. The method of claim 1,
The account book information is a smart account book service method through a server on the network including the subscriber terminal identifier, service type information and card use date information, card company information, merchant name information, or payment amount information for each subscriber. The method of claim 1,
Access to the server providing the smart account book service through a dedicated application or web mounted on a user terminal to query the account book information based on the DB where the account book information is stored;
Smart account book service method via a server on the network to query the account book information based on the storage means of the user terminal is synchronized with the account book information through the synchronization process with the user terminal periodically executed in the server. The method of claim 7, wherein
Smart account book service method through a server on the network to provide the account book information by selectively classifying by type of business, card usage date, card company, merchants, or payment amount when the inquiry. In the process of transmitting the text message of the approval history for the card payment from the card company server to the user terminal via the text message service center of the carrier, request the text message service center to receive the text message of the approval history and the location information of the user terminal. Receiving approval request request unit; And
Personal account book information based on the text message of the approval history to include the type of industry determined for the merchant closest to the user terminal based on the location information among the merchants inquired by the merchant name included in the text message of the approval history; Approval history analysis unit
Smart account book service system via a server on the network comprising a. 10. The method of claim 9,
Provide the account book information based on the DB where the account book information is stored or access the account book information periodically through a sink process with the user terminal to a user terminal accessing and inquiring through a dedicated application mounted on the user terminal or the web. Smart account book service system via a server on the network further comprising the account book search / sink processing unit for storing in synchronization with the storage means of the control, the user terminal to query the account book information.

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