KR20140095148A - Method for processing financial transactions based on social network service and terminal - Google Patents

Abstract

Disclosed is a method to process financial transactions using an instant messenger program based on a social network service installed in a terminal of a sender. The method to process financial transactions comprises the following steps of: receiving a first financial information through a messenger interface outputted on a screen of the terminal as the messenger program is operated; operating a banking program interlocked with the first financial information depending on a request of the sender; receiving a second financial information through the banking interface outputted on the screen of the terminal as the banking program is operated; and transmitting information on a money transfer request including the first and second financial information to a financial server to request a money receiver enrolled in a friends list of the messenger program through the financial server to process the money transfer request.

Description

[0001] METHOD FOR PROCESSING FINANCIAL TRANSACTIONS BASED ON SOCIAL NETWORK SERVICE AND TERMINAL [0002]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial transaction processing method and a terminal based on a Social Network Service (SNS), and more particularly, to a method of processing an account transfer using an instant messenger based on an SNS, .

An SNS that allows a person to form a human network on the Web allows a person or group to become a node and share or exchange personal information on the Internet by linking each node.

In the early days, SNS was mainly used for social networking and entertainment purposes, but since then it has evolved into a means to be used for productive purposes such as business and various information sharing. Accordingly, extended services are provided through a personal mobile communication terminal have.

As part of this extended service, instant messengers based on SNS are widely used. Generally, instant messengers are clients that relay instant messages. Most instant messenger services provide a contact information feature that displays a list of currently connected and chatable contacts. This is often called a "friend list." Every time a conversation person types in a line, the transmission takes place, so this is similar to talking a phone conversation rather than exchanging letters.

Instant messaging service based on instant network based on internet has been transferred to mobile environment due to popular popularity and spread of smart phones in recent years. It is recognized that instant messenger is often referred to as mobile instant messenger. Unlike SMS service, unlike SMS service, it is possible to send texts free of charge. In addition to this, there is an advantage that the conversation between community groups can be performed in real time.

KakaoTalk is a global mobile instant messenger service launched by Kakao Co., Ltd. on March 18, 2010, which is the most popular instant messenger service. The number of users is more than 20 million as of November 2012, combining the number of Korean users and overseas users.

As such, instant messenger service based on SNS such as kakao tok has a large number of users and is actually commercialized in connection with services providing various contents such as marketing, advertisement service, and game service.

However, there has not yet been developed a service that links financial transaction services such as deposit withdrawal and transfer, and instant messenger service based on SNS. Therefore, it is urgent to develop a service that links financial transaction service and SNS-based messenger service.

Accordingly, an object of the present invention is to provide a financial transaction processing method and a terminal based on a social network service that links a financial transaction service such as a deposit withdrawal, a transfer, and the like to an SNS-based messenger service.

According to an aspect of the present invention, there is provided a financial transaction processing method using a instant messenger program based on a social network service installed in a terminal of a sender, the method comprising: Receiving a first financial information through a messenger interface displayed on the screen of the terminal, executing a banking program associated with the first financial information in response to a remitting request of the sender, executing the banking program, Receiving a second financial information through a banking interface displayed on a screen of the terminal according to the first financial information, and requesting a financial server to transfer a predetermined amount to a receiver registered in a friend list of the messenger program, The transfer request information including the financial information and the second financial information, By including the step of transmitting.

A terminal according to another aspect of the present invention includes a messenger program module having a messenger program and receiving first financial information through the messenger program and a banking program associated with the first financial information, A banking program module for executing the banking program at the request of the banking program module and generating remittance request information including the first financial information and the second financial information, And a communication unit for transmitting the remittance request information to the financial company server for transfer processing.

According to the present invention, an instant messenger service based on an SNS and a financial transaction service can be provided at the same time by connecting a financial transaction service and an instant messenger service based on an SNS, and a financial company can receive a financial transaction service It has a great advantage in attracting customers by providing it in connection with an instant messenger service based on SNS having a large number of members.

FIG. 1 is a block diagram schematically showing an overall configuration of an SNS-based financial transaction processing system according to an embodiment of the present invention.
FIGS. 2 to 6 illustrate examples of interfaces provided on a display screen of a sender terminal according to an embodiment of the present invention.
7 is a flowchart illustrating a process of an SNS-based financial transaction processing system according to an embodiment of the present invention.

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

FIG. 1 is a block diagram schematically showing an overall configuration of an SNS-based financial transaction processing system according to an embodiment of the present invention.

1, an SNS-based financial transaction processing system 500 according to an embodiment of the present invention includes a terminal 100 (110, 120), an SNS server 210, a financial company server 300, (400).

The terminal 100 includes a sender terminal 110 and a receiver terminal 120.

Each of the sender terminal 110 and the receiver terminal 120 accesses the SNS server 210 through a network means including a Code Division Multiple Access (CDMA) based wireless communication network (including a 3G network and an LTE network) .

Each of the sender terminal 110 and the receiver terminal 120 includes a messenger program module M1 for providing at least one messenger service such as text chatting, voice chatting, video chatting, message exchange, file exchange, Respectively.

Each of the sender terminal 110 and the receiver terminal 120 may be a Personal Communication System (PCS), a Global System for Mobile communications (GSM) terminal, a Personal Digital Cellular (PDC) A Personal Handyphone System terminal, a personal digital assistant (PDA), or a smart phone.

Each of the sender terminal 110 and the receiver terminal 120 accesses the SNS server 210 through a network means including a TCP / IP (wired / wireless-network) based wired communication network, M1) and / or a notebook computer.

The messenger program module M1 provided in each of the sender terminal 110 and the receiver terminal 120 includes a messenger program executed upon request of the sender.

The executed messenger program provides at least one messenger service through a messenger interface, such as text chatting, voice chatting, video chatting, message exchange, file exchange, mail sending, and friend searching.

The messenger interface includes a remittance request input interface for switching from the execution mode of the messenger program to the execution mode of the banking program executed in the banking program module described in detail below.

The display screen provided on the sender terminal or the receiver terminal according to the remittance request input of the sender inputted through the remittance request input interface is displayed on the instant messenger interface screen in which the execution mode of the instant messenger program is activated when the execution mode of the banking program is activated Banking interface screen. At this time, the user remittance request input through the remittance request input interface is a touch type input, and the display screen is switched from the messenger interface screen to the banking interface screen according to the touch type input.

The messenger interface further includes a financial information input interface. The financial information input interface receives in advance the withdrawal bank information of the sender, the account number of the sender's bank information, the deposit bank information of the receiver who is registered in the buddy list of the messenger, and the deposit bank account information of the receiver, (Not shown).

As will be described in detail below, the banking program module installed in the terminal of the sender and the receiver collects the information (denoted by the first financial information in the claims) stored in the memory, and stores the read information in the automatically written state Outputs the banking interface. Accordingly, the sender inputs only the financial information (denoted by the second financial information in the claims) including the withdrawal account password and / or the transfer amount information on the banking interface screen, thereby making it difficult to input a plurality of financial information Depending on the input time, the transfer delay can be reduced.

Each of the sender terminal 110 and the receiver terminal 120 receives a banking program module M2 interlocked with the messenger program module M1 according to a user's remittance request inputted through the remittance request input interface Respectively.

The banking program module M2 provides a financial transaction service for remitting money by executing a banking program according to an input of a user's remittance request inputted through the remittance request input interface. The banking program module M2 generates remittance request information to be transmitted to the financial company server 300 for remittance according to a user's remittance request input through a remittance request input interface provided in the messenger interface. The banking program module M2 includes a password processing function for encrypting the generated remittance request information or receiving the remittance response information for the remittance request information from the financial company server 300 and decrypting the received remittance request information. In addition, the banking program module M2 attaches an electronic signature to the remittance request information transmitted from the remitter terminal M1 or the remitter terminal M2 to the financial company server 300 for remittance using the messenger program Or confirm the electronic signature attached to the remittance response information for the remittance request information received from the financial company server 1240.

Also, the banking program module M2 may be configured to transmit the authentication certificate and / or the electronic signature function to the banking program module M2 and the banking program module M2, An account number, and a memory for storing deposit bank information of the receiver. The memory may be a memory provided in the terminals 110 and 120 or a Universal Subscriber Identity Module (USIM) chip.

The SNS server 210 sends the user of the remitter terminal 110 and the receiver terminal 120 in cooperation with the messenger program module M1 provided in the remitter terminal 110 and the receiver terminal 120, And provides the messenger service to the user.

The SNS server 210 transmits at least one or more messenger services such as text chat, voice chat, video chat, note exchange, file exchange, friend search, etc. through the sender terminal 110 and / (DB) for member authentication for providing the member authentication information. The SNS server 210 may also be connected to the sender terminal 110 and / or the receiver terminal 120 that has operated the messenger program module M1 in conjunction with the member information database 220, And a member authentication unit 212 for authenticating the messenger customer based on the information.

The member information stored in the member information database 220 may include messenger account information (for example, messenger ID information and an instant messenger password) registered by the instant messenger client in the SNS server 210 and predetermined member personal information (E.g., customer name, resident registration number, address, contact information, etc.). When the messenger account information including the messenger ID information and the messenger password is received from the sender terminal 110 or the receiver terminal 120 in which the messenger program module is activated, the member authentication unit 212 transmits the messenger account information By comparing the messenger account information provided in the member information database 220, the sender and / or the receiver corresponding to the messenger account information can communicate with at least one or more messenger services (e.g., text chat, voice chat, video chat, , File exchange, mail sending, friend search, etc.). If the member authentication through the member authentication unit 212 is successful, the SNS server 212 transmits a character chat, a voice chat, and a text message to the sender terminal 110 and / or the receiver terminal 120, And a messenger operating unit 214 for operating at least one messenger service such as chatting, message exchange, file exchange, and friend search.

The financial company server 310 receives the remittance request information for remittance from the remitter terminal operating the banking program module associated with the instant messenger program module and transmits the remittance response information for the received remittance request information to the remitter terminal 110 send. Herein, the remittance request information includes transfer amount information, withdrawal account information of the remitter to which the transfer amount included in the transfer amount information is to be withdrawn, withdrawal account password contained in the withdrawal account information, Deposit account information, and deposit bank information of the receiver who opened the deposit account.

The remittance request information may further include financial transaction authentication information for remittance. The financial transaction authentication information may be authentication information including information encrypted using at least one encryption key of the public key certificate stored in the sender terminal 110. [ Here, the encryption key may be a symmetric key, a public key, or a private key.

The financial institution server 310 receiving the remittance request information including the financial transaction authentication information decrypts it by using a predetermined decryption key corresponding to the encryption key, for example, a symmetric key, a private key, or a public key, Verifies the validity of the sender using the associated banking program.

When the validity of the sender using the banking program associated with the messenger program is authenticated, the financial company server 310 performs a predetermined account transfer procedure corresponding to the remittance request information. Thereafter, a predetermined account transfer process for withdrawing a transfer amount from the withdrawal account from the financial company server 310 and depositing the transferred money amount into the deposit account, and transferring the result of the transfer process to the terminal of the sender and / Is the same as the normal mobile financial transaction procedure, so a detailed description thereof will be omitted.

The financial company server 310 is a computer system provided in a financial institution. The financial company server 310 includes an account system for processing a credit transaction, An information system for processing information support and customer information management, at least one interconnection between the financial system and at least one or more other financial systems (and / or billing systems), and / Access to the financial system and / or at least one or more public networks (e.g., CD co-network, financial co-network) through means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, And a large-scale system for providing a variety of financial transaction interfaces through the computer system. Further, An interface module corresponding to a middleware platform for providing interfacing between the components in the computer system; and an interface module for supporting at least one or more And a DBMS (Data Base Management System) including a database.

2 to 6 are views illustrating an example of interfaces provided on a display screen of a sender terminal according to an embodiment of the present invention. FIG. 2 is a diagram illustrating a display screen of a sender terminal according to an exemplary embodiment of the present invention. FIG. 3 and FIG. 4 are views illustrating an example of a banking interface associated with the messenger interface shown in FIG. 2. FIG. 3 is a diagram illustrating an example of a banking interface shown in FIG. 5 and 6 are views illustrating an example of a financial information input interface shown in the messenger interface shown in FIG.

Referring to FIG. 2, when the receiver selects "high reputation" from the friend list of the messenger program executed in the terminal of the sender, a start screen as shown in FIG. 2 is displayed, The interface 11 is displayed at a predetermined position of the start screen.

The remittance request input interface 11 may be marked as "remitting" as shown. When the user selects (for example, touch-clicks) the above "transfer", the current start screen is switched to a screen for outputting the banking interface as shown in FIG.

In Fig. 3, the entry of the "authorized certificate login" and the "login of the user ID / password" are displayed as the start screen of the banking interface screen. When the login information is written in any one of the items, The screen is switched to the transfer screen.

The instant transfer screen shown in Fig. 4 includes a "withdrawal account password" input window, a "deposit bank" input window, a "deposit account" input window, a "transfer amount" input window, Is displayed. At this time, the financial information previously entered by the sender is fixed to the default value and displayed in the state of automatic entry in the "deposit bank" input window, "deposit account" input window, "transfer amount input" do. Therefore, if the remitter inputs only the "withdrawal account password" and the "transfer amount", a series of transfer processing steps will proceed.

As shown in Fig. 5, in this embodiment, an item "account management (12)" can be added in the setting menu provided by the messenger interface in order to move the sender to the financial information input interface screen. The added "account management (12)" item is preferably selected in the "personal information (14)" item of the setting menu for changing and managing the personal information of the sender.

As shown in FIG. 6, when the "account management (12)" item is selected (eg, touch-clicked) by the sender, the financial information input interface screen is displayed. The financial information input interface includes a "withdrawal bank" input window, a "deposit bank" input window, and an account number input window of the withdrawal bank. In FIG. 6, the withdrawal bank is fixed as one, and the deposit bank of the receiver is shown to be selectable changeable through "change (16) ", but the withdrawal bank can also freely change the number of authorized certificates according to the number of authorized certificates stored in the sender terminal It can be set to be selectable.

The information input through the financial information input interface is stored in a specific storage area of the memory provided in the sender terminal. This particular storage area may be a storage area commonly used by the messenger program module and the banking program module.

When the banking program module is activated, the banking program module reads the information stored in the specific storage area, that is, the withdrawal bank information, the deposit bank information, and the account information of the withdrawal bank, and automatically writes the information into the corresponding input window of the banking interface to provide.

7 is a flowchart illustrating a process of an SNS-based financial transaction processing system according to an embodiment of the present invention.

Referring to FIG. 7, in step 710, the process of inputting the financial information of the sender and the receiver to the sender's terminal is performed. To this end, a messenger program installed in the terminal of the sender is executed, and account management as shown in Fig. 5 is selected from the setup menu of the executed messenger program. 6, the sender fixedly selects the corresponding xx bank of the authorized certificate stored in his / her terminal 110 as a withdrawal bank, and transmits the collected money Set up the deposit bank of the person. At this time, it is also possible to set individual deposit banks of all buddies registered as friends. Then enter the withdrawal bank account number of the sender. The information input through the financial information input interface is stored in a specific storage area of the memory in the sender terminal accessible by the banking program. When the banking program is executed, the banking program is automatically provided in a corresponding input window for accessing the specific storage area, reading the stored information, and providing it to the banking interface.

In step 712, when there is a request for remittance from any friend (hereinafter referred to as "receiver") of the friends registered in the instant messenger program, the remitter transmits the instant messenger of the instant messenger program module (M1) Run the program.

In step 714, the remitter selects a remittance event (for example, touch click) displayed on the start screen of the executed instant messenger program in FIG. 2 to generate a remittance event, and in step 716, the instant messenger program sends a remittance event occurrence to the banking program Notify the module.

In step 718, the banking program module starts operating according to the received transfer event occurrence notification, and outputs the banking interface as shown in FIG.

In step 720, since the transfer bank, the deposit account, and the name of the collection person other than the transfer amount and the password related to the withdrawal account are displayed as already written in the output banking interface, the remitter can easily transfer the transfer amount and the withdrawal account Only the password associated with.

When all the inputs are completed in step 722, the transfer amount information, the transfer amount information included in the transfer amount information, the withdrawal account information of the remitter to be withdrawn, the withdrawal account password contained in the withdrawal account information, and the transfer amount are deposited And transmits the transfer request information including the deposit account information of the receiver, deposit bank information of the receiver of the deposit account, and financial transaction authentication information for remittance to the financial company server 310.

In step 724, the financial company server 310 processes the transfer procedure according to the received remittance request information, and transmits the remittance response information including the transfer processing result to the banking program module M2.

In step 726, the transfer processing result included in the transfer response information may be transferred to the receiver terminal, the transfer processing result transferred to the receiver terminal may be transferred in the form of an SMS text message, and the step 726 may be omitted .

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the invention. Therefore, the scope of the present invention should not be limited by the illustrated embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

Claims (15)

A financial transaction processing method using an instant messenger program based on a social network service installed in a terminal of a sender,
Receiving first financial information through a messenger interface displayed on a screen of the terminal according to execution of the messenger program;
Executing a banking program associated with the first financial information in response to a remitting request of the sender;
Receiving second financial information through a banking interface displayed on the screen of the terminal according to execution of the banking program; And
Transmitting the remittance request information including the first financial information and the second financial information to the financial company server to request the financial account server to transfer the predetermined amount to the receiver registered in the friend list of the messenger program
A method of processing a financial transaction based on a social network service.
The method according to claim 1,
Wherein the deposit information includes information on the withdrawal bank of the sender, the withdrawal bank account information of the sender, the deposit bank information of the receiver, and the deposit bank account information of the receiver.
The method according to claim 1,
And a password and transfer amount information related to the withdrawal account of the sender.
The method of claim 1, wherein the messenger interface comprises:
A financial information input interface for receiving the first financial information; And
The banking program may include a remittance request input interface for receiving a remittance request of the remitter to execute the banking program,
Wherein the financial transaction processing method is based on a social network service.
The system according to claim 4, wherein the financial information input interface comprises:
And the message is output on the display screen of the terminal according to the selection of "account management" provided in the personal information item among the setting menus provided by the messenger program.
5. The system according to claim 4, wherein the remittance request input interface comprises:
Wherein the terminal is displayed on the display screen of the terminal according to the selection of the receiver registered in the friend list of the messenger program.
7. The method according to claim 6,
Wherein the transfer request is executed in response to an input of a remittance request of the sender input through the remittance request input interface,
The remittance request input,
A method of processing a financial transaction based on a social network service that is a touch-based input.
The system of claim 1, wherein the banking interface comprises:
A first input window for inputting first financial information, and a second input window for inputting second financial information,
Wherein the first financial information is displayed on the display screen of the terminal in a state where the first financial information is written in the first input window.
9. The system according to claim 8, wherein the first financial information includes account information of the sender and the receiver,
And the second financial information does not include the account information of the sender and the receiver.
A terminal of a sender for processing a financial transaction using an instant messenger program based on a social network service,
A messenger program module having a messenger program and receiving first financial information through the messenger program;
And a banking program associated with the first financial information, the banking program being executed at the request of the messenger program module, the banking program generating banking information including the first financial information and the second financial information, Program modules; And
And a communication unit for transmitting the remittance request information to the financial company server in order to transfer a predetermined amount to the receiver registered in the friend list of the messenger program,
.
11. The method of claim 10, wherein the request of the messenger program module comprises:
And a remittance request input by the remitter request input interface generated according to execution of the messenger program.
[12] The system of claim 11,
Wherein the terminal is a touch-type interface included in a messenger interface generated according to execution of the messenger program.
The banking program according to claim 10,
And a banking interface which is generated according to the execution of the banking program and has a first input window for inputting the first financial information and a second input window for inputting the second financial information,
Wherein the banking interface comprises:
And the first financial information is written in the first input window.
14. The method according to claim 13,
And bank account information of the sender and the receiver,
Wherein the second financial information comprises:
And does not include the bank account information.
14. The method according to claim 13,
And a password and a transfer amount associated with the withdrawal account of the sender.

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