JP2022136033A - Remittance method, computer program, computer-readable recording medium, and computer device - Google Patents

Abstract

To provide a remittance method and system using an instant messaging service.SOLUTION: A remittance method includes the steps of: providing an instant messaging service; receiving a function transmission request associated with a first account of a first user and a second account of a second user using an identification scheme of the instant messaging service, from a bank server which provides a banking service associated with the instant messaging service; and transmitting a message, in accordance with the function transmission request, including a link to an account information registration function through a dialogue session established between the first account and the second account.SELECTED DRAWING: Figure 3

Description

The following description relates to a money transfer method and system using instant messaging services.

Techniques exist for processing money transfers over instant messaging services.

For example, when a user of an instant messaging service opens an account of a bank service linked to the instant messaging service (for example, an Internet bank), the account of the instant messaging service of the user and the account of the user of the instant messaging service are opened. Account information will be recorded in cooperation with each other on the instant messaging service (recorded on the side of the instant messaging service and/or the side of the bank service that cooperates with the instant messaging service). In this case, the first user can request remittance by selecting the account of the second instant messaging service user on the instant messaging service. If the account and the account are linked to each other and recorded on the side of the bank service linked to the instant messaging service, the instant messaging service will transfer the account from the first user's first account to the second user's second account to the linked bank service. You can request remittance to 2 accounts. In this case, the corresponding bank service will process the remittance from the first account linked with the first account to the second account linked with the second account.

However, some users are registered with an instant messaging service but not registered with a bank service linked to the instant messaging service, or do not have an account with the bank service. In this case, such a user has a problem that he/she cannot transfer money only with an account of the instant messaging service. For example, assume that a third user of the instant messaging service has a third bank service account associated with the instant messaging service, and a fourth user of the instant messaging service does not have a bank service account associated with the instant messaging service. . In this case, even if the third user selects the account of the fourth user and requests remittance, the account of the fourth user is not known to the instant messaging service or the bank service linked to it, so instant You can't send money with just a messaging service account. In order to solve this problem, the third user can obtain the account information of the other bank for remittance from the fourth user and enter it into the instant messaging service or the linked bank service, or There is a problem that the service must request the fourth user to input the account information of the other bank for the remittance and process the remittance after obtaining the account information. In particular, there is a problem that requesting and receiving such account information must be performed every time money is transferred to the fourth user.

Korean Patent Publication No. 10-2019-0095618

From a user who has not registered and/or does not have an account with a bank service linked to an instant messaging service, we receive the registration of account information for remittance (for example, another bank's account) information and instant To provide a remittance method and system for processing a remittance request to an instant messaging service account of a corresponding user by using account information recorded in association with an account of a messaging service and recorded in association with the account.

A method of money transfer for a computer device comprising at least one processor, wherein the at least one processor provides an instant messaging service, and a bank provides banking services associated with the instant messaging service via the at least one processor. receiving, from a server, a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of said instant messaging service; A remittance method is provided, including the step of sending a message including a link to an account information registration function through an interactive session established between the first account and the second account according to a transfer request.

According to one aspect, the function transfer request is a remittance request from the first user to the second user in the bank server, and the second user does not have an account in the bank server and the It may be characterized in that the information is transmitted from the bank server when the second user's account information of the other bank is not registered in the bank server.

According to another aspect, the message is associated with the first account and the second account, and the method of transferring money comprises: determining, by the at least one processor, that the account of the user who selected the link is the account of the second user. selecting said link by whether it is identical to a second account and comparing said first and second accounts associated with said message with the account of the chat room participant in which said selected link was displayed; The method may further include authenticating that the user who received the request is the second user.

According to yet another aspect, the method of remittance further comprises sending a SMS (Short Message) using a phone number associated with a second account of the second user, when the link is selected, by the at least one processor. Service) authentication may further include authenticating that the user who selected the link is the second user.

According to another aspect, the remittance method includes sending a remittance request from the first user to the second user from the terminal of the first user through the instant messaging service by the at least one processor. further comprising receiving and communicating, by the at least one processor, the remittance request to the bank server, wherein the functional communication request is associated with the first account and the second account included in the remittance request. It may be characterized by being

According to yet another aspect, the step of sending includes, if the interactive session is not established, based on the first account and the second account associated with the capability transfer request, the first account and the It may be characterized by establishing an interactive session with the second account.

According to another aspect, the account information registration function enables the second user to receive a remittance service provided by a bank server, and the second user's account using the account information registration function. a first function for receiving agreement from said second user to at least one of information being registered with said bank server; and a second function for receiving input of said second user's account information. It may be characterized as including two functions.

According to another aspect, the remittance method includes providing, by the at least one processor, a link to the account information registration function through an Official Account (OA) of banking services provided by the bank server. May contain more.

According to yet another aspect, the remittance method includes, by the at least one processor, a message including a link to a function for registering account information with the bank service as an advertising message of a bank service provided by the bank server. The step of providing a

1. A method of money transfer for a computing device comprising at least one processor, the step of providing a banking service by the at least one processor; receiving a remittance request of said first user to said second user based on a first account of one user and a second account of a second user; based on the second account, determining whether the second user's account has been opened in the at least one processor, if the second user's account has not been opened, the second verifying whether the account information of the user is registered based on the second account, wherein if the account information of the second user is not registered, the instant messaging service is activated by the at least one processor; providing an account information registration function through the provided instant messaging server; registering the account information of the second user using the account information registration function by the at least one processor; and the at least one processor. provides a remittance method including processing the remittance request using the first account of the banking service associated with the first account and the registered account information of the second user.

According to one side, the account information may include account information of other banks other than the bank providing the banking service.

According to another aspect, the remittance request may include the first account and the second account.

According to yet another aspect, providing the account registration function includes requesting the instant messaging server to send a message through the interactive session including a link to the account registration function. It may be characterized by

According to yet another aspect, the message is associated with the first account and the second account, and the account information includes an account of the user selecting the link and the second account with which the message is associated. and the account of the chat room participant in which the selected link was displayed with the first account and the second account with which the message is associated. It may be characterized by

According to yet another aspect, the account information is obtained by SMS (Short Message Service) authentication that the instant messaging server calls a phone number associated with the second account in response to the link being selected. It may be characterized by being authenticated.

A computer program recorded on a computer-readable recording medium is provided for coupling with a computer device to cause the computer device to execute the method.

A computer-readable recording medium is provided in which a program for causing a computer device to execute the method is recorded.

from a banking server comprising at least one processor implemented to execute computer readable instructions, said at least one processor providing an instant messaging service and providing banking services in conjunction with said instant messaging service; receiving a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service; and according to the function transfer request, the first account and the second account. A computing device characterized by sending a message containing a link to an account information registration function through an interactive session established with two accounts.

1. A first user according to an identification scheme of an instant messaging service providing a banking service and associated with said banking service, comprising at least one processor implemented to execute computer readable instructions by said at least one processor. receiving a remittance request of said first user to said second user based on the first account of said first user and the second account of said second user, and said second user's account is opened in said bank service based on the second account, and if the account of the second user has not been opened, whether the account information of the second user is registered based on the second account After confirming, if the account information of the second user is not registered, an account information registration function is provided through an instant messaging server that provides the instant messaging service, and the second use is performed using the account information registration function. and processing the remittance request using the first account of the banking service associated with the first account and the registered account information of the second user. , provides a computer device.

From a user who has not registered and/or does not have an account with a bank service linked to an instant messaging service, we receive the registration of account information for remittance (for example, another bank's account) information and instant It is possible to process a remittance request to the instant messaging service account of the corresponding user by using the account information recorded in association with the account of the messaging service and recorded in association with the corresponding account.

1 is a diagram showing an example of a network environment in one embodiment of the present invention; FIG. 1 is a block diagram illustrating an example of a computing device, in accordance with one embodiment of the present invention; FIG. 4 is a flow chart showing an example of a remittance method in one embodiment of the present invention. FIG. 4 is a diagram showing an example of a chat room including a money transfer function, in one embodiment of the present invention; It is the figure which showed the example of the screen which inputs the remittance amount in one Embodiment of this invention. FIG. 10 is a diagram showing an example of a screen when a user logs into a bank service in one embodiment of the present invention; It is a figure showing an example of utilizing the account information registered in association with the second account in one embodiment of the present invention. FIG. 4 is a diagram showing an example of a message containing a link to an account information registration function in one embodiment of the present invention; FIG. It is the figure which showed the example of the account information registration function in one Embodiment of this invention. FIG. 10 is a diagram showing an example of a message notifying that registration of account information has been completed in one embodiment of the present invention; 4 is a flow chart showing an example of a remittance method of an instant messaging server in one embodiment of the present invention; 4 is a flow chart showing an example of a bank server remittance method in one embodiment of the present invention.

Embodiments will be described in detail below with reference to the accompanying drawings.

A remittance system according to an embodiment of the present invention may be implemented by at least one computer device. At this time, a computer program according to an embodiment of the present invention may be installed and executed on the computer device, and the computer device executes the money transfer method according to the embodiment of the present invention under the control of the executed computer program. can be executed. The computer program described above may be recorded in a computer-readable recording medium in order to combine with a computer device and cause the computer to execute the remittance method.

FIG. 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment of FIG. 1 illustrates an example including multiple electronic devices 110 , 120 , 130 , 140 , multiple servers 150 , 160 , and a network 170 . Such FIG. 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers are not limited as in FIG. Also, the network environment of FIG. 1 is merely an example for explaining the environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment of FIG.

The plurality of electronic devices 110, 120, 130, 140 may be fixed terminals or mobile terminals implemented by computing devices. Examples of the plurality of electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, PCs (personal computers), notebook PCs, digital broadcasting terminals, PDAs (Personal Digital Assistants), and PMPs (Portable Multimedia Players). ), tablets, etc. As an example, FIG. 1 shows a smart phone as an example of the electronic device 110, but in embodiments of the present invention, the electronic device 110 substantially utilizes a wireless or wired communication scheme and communicates with other devices via the network 170. may refer to one of a wide variety of physical computing devices capable of communicating with the electronic devices 120, 130, 140 and/or the servers 150, 160.

The communication method is not limited, and not only the communication method using the communication network that can be included in the network 170 (eg, mobile communication network, wired Internet, wireless Internet, broadcast network, satellite network, etc.), but also the device It may also include short-range wireless communication between For example, the network 170 includes a PAN (personal area network), a LAN (local area network), a CAN (campus area network), a MAN (metropolitan area network), a WAN (wide area network), a BBN (broadband network), and the Internet. Any one or more of the networks may be included. Additionally, network 170 may include any one or more of network topologies including, but not limited to, bus networks, star networks, ring networks, mesh networks, star-bus networks, tree or hierarchical networks, and the like. will not be

Each of servers 150, 160 is implemented by one or more computing devices that communicate with a plurality of electronic devices 110, 120, 130, 140 over network 170 to provide instructions, code, files, content, services, etc. good. For example, server 150 may provide services (eg, instant messaging services, financial services, game services, group calling services (or audio conferencing services)) to a plurality of electronic devices 110, 120, 130, 140 connected via network 170. , messaging service, mail service, social network service, map service, translation service, payment service, search service, content providing service, etc.).

FIG. 2 is a block diagram illustrating an example computing device, in accordance with one embodiment of the present invention. Each of the plurality of electronic devices 110, 120, 130 and 140 and each of the servers 150 and 160 described above may be realized by the computer device 200 shown in FIG.

Such a computing device 200 may include memory 210, processor 220, communication interface 230, and input/output interface 240, as shown in FIG. The memory 210 is a computer-readable storage medium and may include random access memory (RAM), read only memory (ROM), and permanent mass storage devices such as disk drives. Here, a permanent mass storage device such as a ROM or disk drive may be included in computer device 200 as a separate permanent storage device separate from memory 210 . Also stored in memory 210 may be an operating system and at least one program code. Such software components may be loaded into memory 210 from a computer-readable medium separate from memory 210 . Such other computer-readable recording media may include computer-readable recording media such as floppy drives, disks, tapes, DVD/CD-ROM drives, memory cards, and the like. In other embodiments, software components may be loaded into memory 210 through communication interface 230 that is not a computer-readable medium. For example, software components may be loaded into memory 210 of computing device 200 based on computer programs installed by files received over network 170 .

Processor 220 may be configured to process computer program instructions by performing basic arithmetic, logic, and input/output operations. Instructions may be provided to processor 220 by memory 210 or communication interface 230 . For example, processor 220 may be configured to execute received instructions according to program code stored in a storage device, such as memory 210 .

Communication interface 230 may provide functionality for computer device 200 to communicate with other devices (eg, the recording device described above) via network 170 . As an example, processor 220 of computing device 200 can transmit requests, commands, data, files, etc. generated according to program code recorded in a recording device such as memory 210 to other devices via network 170 under the control of communication interface 230 . device. Conversely, signals, instructions, data, files, etc. from other devices may be received by computing device 200 through communication interface 230 of computing device 200 over network 170 . Signals, commands, data, etc., received through the communication interface 230 may be transmitted to the processor 220 and the memory 210, and files, etc., may be recorded in a recording medium (the permanent recording device described above) that the computing device 200 may further include. you can

Input/output interface 240 may be a means for interfacing with input/output device 250 . For example, input devices may include devices such as a microphone, keyboard, or mouse, and output devices may include devices such as displays, speakers, and the like. As another example, input/output interface 240 may be a means for interfacing with a device that integrates functionality for input and output, such as a touch screen. Input/output device 250 may consist of at least one computing device 200 and one device. For example, like a smart phone, the computer device 200 may include a touch screen, a microphone, a speaker, and the like.

Also, in other embodiments, computing device 200 may include fewer or more components than the components of FIG. However, most prior art components need not be explicitly shown in the figures. For example, computing device 200 may be implemented to include at least some of the input/output devices 250 described above, and may also include other components such as transceivers, databases, and the like.

FIG. 3 is a flow chart showing an example of a remittance method in one embodiment of the present invention. In such an embodiment of FIG. 3, the first user 310 who is the subject of the remittance, the second user 320 who is the subject of the remittance, and the instant between the first user 310 and the second user 320 An instant messaging server 330 providing messaging services and a banking server 340 providing banking services in conjunction with the instant messaging services are shown.

At step 351 , the bank server 340 may receive a remittance request from the first user 310 to the second user 320 from the terminal of the first user 310 . Such a remittance request may be transferred to the bank server 340 through various routes. As an example, the remittance request may be communicated to bank server 340 through instant messaging server 330 . For example, the instant messaging server 330 may provide a remittance function for selecting a specific user and requesting remittance through an instant messaging service. Such remittance functionality may be provided within a chat room or in association with a particular user's identifier in a "friends" list, which is another user with whom a personal relationship has been established in the instant messaging service. may be provided. When the first user 310 uses the remittance function to request remittance to the second user 320, the instant messaging server 330 may receive the remittance request and transfer it to the bank server 340. Server 340 may receive a remittance request from instant messaging server 330 . As another example, the remittance request may be provided through banking services provided by bank server 340 . As noted above, the instant messaging service and the banking service may work together, and the first user's 310 "friends" list may be provided to the banking service. At this time, the first user 310 may request the remittance by selecting the second user 320 from the 'friends' list provided by the bank service. In this case, the bank server 340 may directly receive the remittance request through the bank service.

In the above two examples, the first user 310 and the second user 320 can be commonly identified in the instant messaging server 330 and the bank server 340 by identifiers according to the instant messaging service's identification scheme. good. In other words, the interworking of the instant messaging service and the banking service may involve at least being able to identify the same user by the same identifier.

On the other hand, when the remittance request is transmitted to the bank server 340 through the instant messaging server 330, the instant messaging server 330 sends the first account of the first user 310, who is the subject of the remittance, and the second account, which is the subject of the remittance. By transmitting a remittance request including the second account of user 320 to bank server 340, bank server 340 can send a request to the user (first user 310 and second use) with the same identifier (first account and second account). 320) may be identifiable.

The remittance amount may be included in the remittance request, but after the remittance request is transmitted to the bank server 340, it is input to the user interface provided by the bank server 340 to the first user 310 and transmitted to the bank server 340. good too.

At step 352 , the bank server 340 may check whether the second user 320 has an account with the bank server 340 based on the second account of the second user 320 . As an example, the bank server 340 may check, based on the second account, whether the second user 320 has an account with a bank service that processes the remittance request.

Now assume that the first user 310 has an account on the bank server 340 . If the first user 310 does not have an account with the bank server 340 , the bank server 340 may guide the first user 310 through the instant messaging server 330 to open an account with the bank server 340 . If the first user 310 does not open an account with the bank server 340, the remittance request may be suspended.

In addition, if both the first user 310 and the second user 320 have an account on the bank server 340, the bank server 340 transfers the money from the first account of the first user 310 to the second account of the second user 320. may process remittances of If the first user 310 has an account with the bank server 340 but the second user 320 does not have an account with the bank server 340, step 353 may be performed.

At step 353, the bank server 340 may check whether account information authenticated based on the second account of the second user 320 is registered. As an example, if the account of the second user 320 has not been opened, the bank server 340 may check whether the authenticated account information of the second user 320 is registered based on the second account. . At step 352 it has been determined that the second user 320 does not have an account with the bank server 340 . In other words, the account information of step 353 may mean information such as account numbers of other banks. As described below, in embodiments of the present invention, even if a user has not registered for banking services provided by bank server 340 and/or does not have an account with bank server 340, By registering the account information of the other bank in the bank server 340, the bank service of the bank server 340 can be used, and the account of the instant messaging service can be utilized as an account for receiving money.

At this time, the bank server 340 registers the second user 320 from the first account of the first user 310 when the authenticated account information associated with the second account of the second user 320 is registered. Remittances to accounts (eg, accounts at other banks) may be processed based on the account information provided. In other words, even if the second user 320 has not registered for a bank service that cooperates with the instant messaging service or has not opened an account for the corresponding bank service, the bank server 340 can perform instant messaging. Using the service, the second user 320 registers account information (real name, bank name, account number, etc.) of other banks in association with the account of the instant messaging service of the second user 320 (second account described above). A service may be provided to do so, thereby allowing the second user 320 to also participate in the transfer of money to the account of the instant messaging service.

On the other hand, if the authenticated account information of the second user 320 is not registered, step 354 may be performed.

At step 354 , instant messaging server 330 may establish an interactive session between the first account of first user 310 and the second account of second user 320 . Such an interactive session may be an interactive session for sending and receiving messages through an instant messaging service. At this time, the first user 310 and the second user 320 may exchange messages in a chat room corresponding to the interactive session established through their respective terminals, and the instant messaging server 330 communicates through the established interactive session. , the message may be routed between the terminal of the first user 310 and the terminal of the second user 320 . At this time, step 354 may be performed through the instant messaging server 330 as requested by the bank server 340 . In some embodiments, step 354 may be omitted if an interactive session has already been established between the first account and the second account.

At step 355, bank server 340, through instant messaging server 330, may provide functionality for registration of account information in an interactive session. As an example, the instant messaging server 330 sends a message containing a link to a function for registering account information to a chat room in which the first user 310 and the second user 320 participate in accordance with a request from the bank server 340. A message may be sent to the relevant interactive session to be displayed. Such messages may be associated with a first account of first user 310 and a second account of second user 320 . In other words, if the second user 320 does not have an account in the bank server 340 and the account information of the second user 320 is not registered in the bank server 340, the instant messaging server 330 responds to the bank server 340 request. Therefore, a message containing a link to the account registration function may be sent in an interactive session. Here, the account information may include account information of other banks instead of the bank that provides banking services (bank of bank server 340).

At step 356, the bank server 340 may receive account information from the second user 320 and register it with the second account. As an example, the second user 320 may select a link received in the chat room (eg, touch an area (eg, a selection button area) displayed in association with the link in a touch screen environment). .

In this case, the instant messaging server 330 may check whether the account of the user who selected the link is the same as the account of the second user 320 who is the subject of the remittance, and the participation of the chat room from which the link was selected. By comparing the account of the user and the accounts (first account and second account) associated with the message, it is authenticated whether the second user 320 who actually receives the remittance intends to register the account information. good. In this case, even if the link is leaked, the account from which the link is selected is not the second account of the second user 320, but the chat room in which the first user 310 and the second user 320 participate. 354 or a chat room corresponding to an interactive session established between a first account and a second account that has been opened), authentication will fail.

In another embodiment, the instant messaging server 330 performs SMS (Short Message Service) authentication using the phone number associated with the second account of the second user 320 when the link is selected to: The user who selected the link may be authenticated as the second user 320 . In such embodiments, the functionality for registering account information may be provided to the second user 320 through another interactive session rather than the interactive session between the first account and the second account. As an example, there may be various Official Accounts (OA) in the instant messaging service, and there may be official accounts corresponding to the banking services of the banking server 340 . In this case, the corresponding functionality may be provided to the second user 320 through an interactive session between the official account corresponding to the banking service and the second user's 320 second account.

On the other hand, the function for receiving the registration of account information is provided by the second user 320 receiving the remittance service provided by the bank server 340 and using the function for receiving the registration of the account information. a first function for receiving agreement from the second user 320 to at least one of registering the account information of the person 320 with the bank server 340; and entering the account information of the second user 320. A second function for receiving may be included. In other words, when the second user 320 is authenticated, the contract for the second user 320 to receive the remittance service provided by the bank server 340 and/or to register the account information in the bank server 340 The second user 320 must agree to the terms, and the second user 320 may be provided with a function to actually enter the account information according to the agreement of the terms. Such functionality may be provided to the second user 320 through cooperation between the banking services of the banking server 340 and the instant messaging services of the instant messaging server 330 .

If the user agrees to the terms and inputs the account information through the corresponding function, the bank server 340 associates and records the second account on the instant messaging service of the second user 320 and the input account information. You can register your account information by

At step 357, the bank server 340 may process the transfer between the first account associated with the first account and the second account corresponding to the account information registered with the second account. As described above, the account corresponding to the registered account information may be an account of another bank, and the bank server 340 may process the remittance by communicating with the system of the other bank. The remittance amount may be included in the remittance request in step 351 , and after the remittance request is transmitted to the bank server 340 , the bank server 340 provides the first user 310 with the user interface that the bank server 340 provides to the bank server 340 . may be transmitted to In this case, bank server 340 may process the transfer such that the transfer amount is transferred from the first account to the second account.

In the embodiment of FIG. 3, an example of the process of registering the account information of the second user 320 and processing the remittance according to the first user 310 requesting the second user 320 for remittance has been described. In some embodiments, the second user 320 can also pre-register account information through various channels. As an example, official accounts corresponding to the banking services mentioned above may be utilized. In this case, the second user 320 may register the official account as a friend and access the function for pre-registering account information through the official account. To this end, the instant messaging server 330 may provide users of the instant messaging service with a link to a function for registering account information through the official account of the banking service provided by the bank server 340 . In another embodiment, the function for the second user 320 to pre-register account information may be accessed from a banking service advertising message provided to the second user 320 through an instant messaging service. As an example, the instant messaging server 330 provides the user with a message including a link to a function for registering account information in the bank service through the instant messaging service as an advertising message of the banking service provided by the bank server 340. good.

Thus, according to an embodiment of the present invention, if the second user 320 who is a member of the instant messaging service is not registered with the bank service associated with the instant messaging service and/or the account of the bank service is Even if there is no such account, the second user 320 can easily participate in the remittance service using the account of the instant messaging service by enabling account information to be registered for the account of the instant messaging service. Thus, the first user 310 can transfer money to the second user 320 who is not registered with the bank service linked to the instant messaging service or who does not have an account, simply by selecting an account.

FIG. 4 is a diagram showing an example of a chat room including a money transfer function in one embodiment of the present invention. FIG. 4 shows a screen 400 of chat room A. As shown in FIG. Such a screen 400 may be an example of a screen displayed on the terminal of the first user 310, who is the subject of the remittance, in the embodiment of FIG. At this time, the chat room A may be provided with a function 410 for remittance and a function 420 for requesting remittance from the second user 320 participating in the chat room A. FIG. In fact, functions 410, 420 may include links to pages for sending and requesting money. Also, the chat room A may be a one-to-one chat room for the first user 310 and the second user 320 .

As described above, the remittance function may be provided to the user through various channels other than the chat room. As an example, the money transfer function may be provided in a user interface on one of various pages provided through the instant messaging service, and may be provided in association with each friend in a "friends" list. Remittance functionality may also be provided through banking services.

FIG. 5 is a diagram showing an example of a screen for entering a remittance amount in one embodiment of the present invention. A screen 500 in FIG. 5 is an example of a screen for inputting a remittance amount, and shows an example of a screen provided by a bank service that cooperates with an instant messaging service. Such a screen 500 may be provided to the first user 310 through the instant messaging server 330 as the instant messaging server 330 transmits the remittance request to the bank server 340 . At this time, a first dashed frame 510 on the screen 500 indicates that when there are many services related to remittance as sub-services of a bank service that cooperates with an instant messaging service related to remittance, the first user 310 can perform remittance. It indicates that it is possible to select a service for As an example, screen 500 shows an example in which first user 310 selects the second service. In this case, the first user 310 may be provided with a screen including a function for logging into the selected second service (for example, a PIN code input screen). On the other hand, it is assumed that "Ellie Kim" shown in the second dashed box 520 of the screen 500 is the real name of the second user 320 and the nickname of the second user 320 on the instant messaging service.

FIG. 6 is a diagram showing an example of a screen when a user logs into a bank service in one embodiment of the present invention. A screen 600 of FIG. 6 shows an example when the first user 310 logs in to the second service by an appropriate method. At this time, a dashed frame 610 on the screen 600 shows an example of displaying information such as the account and balance of the first user 310 on the second service. If multiple accounts exist, the first user 310 may select an account to use for the transfer.

The bank server 340 acquires the account and remittance amount of the first user 310, who is the subject of the remittance, but recognizes only the second account of the second user 320, who is the subject of the remittance. is in a state of Accordingly, the bank server 340 may check whether the second user 320 has a bank service account based on the second account, and if there is no bank service account, associate the second user 320 with the second account. You may check to see if you have account information that has been registered.

FIG. 7 is a diagram showing an example of utilizing account information registered in association with the second account in one embodiment of the present invention. The screen 700 of FIG. 7 shows, as the account information registered for the second user 320, the real name of the second user 320 "Ellie Kim", the bank name "A Bank", and the account number "123-4-56789-". 0” is displayed to the first user 310. FIG. After confirming the displayed information, the first user 310 presses a confirmation button (for example, "Confirm" on the screen 700) to register the second user 320 from the main account of the first user 310. The bank server 340 may be requested to transfer money to the account (account number "123-4-56789-0") corresponding to the received account information. When the remittance process is completed, the bank server 340 may provide the first user 310 with an information screen regarding the completion of the remittance process.

On the other hand, the account information registered for the second user 320 may not exist. In other words, if the second user 320 does not have a corresponding bank service account and there is no account information registered for the instant messaging service account of the second user 320, the bank server 340 will send the instant messaging An account information registration function may be provided to the second user 320 through the server 330 .

FIG. 8 is a diagram showing an example of a message containing a link to the account information registration function in one embodiment of the invention. A screen 800 in FIG. 8 shows an example in which a message 810 for registering account information is displayed in the chat room A described with reference to FIG. At this time, the screen 800 shows the chat room A from the viewpoint of the second user 320 . The message 810 contains a link 820 to the account information registration function along with information notifying that the first user 310, "Christy Lee", is about to make a money transfer. If the second user 320 selects the link 820, the second user 320 may be provided with an account information registration function.

At this time, as described above, first, the second user 320 receives the remittance service provided by the bank server 340, and the second user 320 uses the function for receiving account information registration. The second user 320 may be provided with a first function for receiving agreement from the second user 320 to at least one of registering with the bank server 340 the account information of An account information registration function may be provided later.

FIG. 9 is a diagram showing an example of the account information registration function in one embodiment of the present invention. A screen 900 in FIG. 9 shows an example of the account information registration function provided by the bank server 340 to the second user 320 . The screen 900 of FIG. 9 allows the second user 320 to select a specific bank from a list 910 of multiple banks, and the second user 320 uses the account number input function 920 to (“G bank” on the screen 900) can be entered.

The bank server 340 may validate the selected bank name and the entered account number, and if validated, the second user 320's real name, bank name, account number, etc. , the account information may be registered by being associated with the second account of the second user 320 and recorded. The real name of the second user 320 included in the account information may be entered directly by the second user 320, but the specific bank from the specific bank based on the specific bank name and account number entered as the account information may be obtained.

On the other hand, the bank server 340 provides the second user 320 with the link included in the message provided to the second user 320 or the second user 320 who accesses from the official account of the bank service of the bank server 340, the registered account of the second user 320 Functionality may be provided to modify and/or delete information. As an example, the bank server 340 may send a message to the second user 320 through the official account to notify that the registration of the account information of the second user 320 has been completed. Such messages may then include links to functions for modifying and/or deleting registered account information. As another example, the official account of the bank server 340 may have a link for the visiting user to modify and/or delete the account information registered by him/herself. A user accessing the link in question may be identified by an instant messaging service account, through which bank server 340 may modify and/or delete recorded account information associated with the account in question. You may provide a function for

FIG. 10 is a diagram showing an example of a message notifying that registration of account information has been completed in one embodiment of the present invention. A screen 1000 in FIG. 10 shows a message 1010 for informing the second user 320 that registration of account information has been completed. At this time, the message 1010 includes a first link 1020 for guiding registration so that the second user 320 can register for banking services and start using the services (for example, opening and using an account); A second link 1030 to functions for modifying and/or deleting account information registered by the user 320 may be included.

FIG. 11 is a flow chart showing an example of the instant messaging server remittance method in one embodiment of the present invention. The remittance method according to this embodiment may be executed by computer device 200 that implements instant messaging server 330 described above. At this time, the processor 220 of the computing device 200 may be implemented to execute control instructions according to the operating system code and the at least one computer program code contained in the memory 210 . Here, processor 220 may control computing device 200 such that computing device 200 performs steps 1110-1160 included in the method of FIG. 11 according to control instructions provided by code recorded in computing device 200. . As noted above, steps 1120 and 1130 may be omitted if the remittance request originates from a bank service.

At step 1110, computing device 200 may provide an instant messaging service. Such step 1110 may provide well-known functions of instant messaging services, and thus a detailed description is omitted.

At step 1120, the computing device 200 may receive a remittance request from the first user to the second user from the terminal of the first user through the instant messaging service. As an example, money transfer functionality may be provided through various pages provided by the instant messaging service, such as pages that provide chat rooms and pages that provide "friends" lists. In this case, the computer device 200 may receive the first user's remittance request using the remittance function. Here, the first user and the second user may correspond to the first user 310 and the second user 320 described with reference to FIG.

At step 1130, the computing device 200 may communicate the remittance request to the bank server. At this time, the remittance request may include the first account of the first user and the second account of the second user according to the identification scheme of the instant messaging service. In this case, the instant messaging service may cooperate with a bank service provided by a bank server, and the bank server connects the first user and the second user based on the first account and the second account included in the remittance request. can be identified. Here, the bank server may correspond to the bank server 340 described with reference to FIG. 3, and cooperation between the instant messaging service and the bank service means that at least the same user can be identified by the same identifier. The inclusion of is as described above.

At step 1140, the computing device 200 may receive from the bank server a function transfer request associated with the first account of the first user and the second account of the second user according to the identification scheme of the instant messaging service. Such a function transfer request is a request for remittance from the first user to the second user in the bank server. It may be sent from the bank server if the information is not registered with the bank server.

At step 1150, the computing device 200 may send a message including a link to the account information registration function through the interactive session established between the first account and the second account according to the function transfer request. In this case, the remittance request from the first user to the second user may be processed based on the account information registered in the bank server using the account information registration function. For example, if the second user's bank service account or other bank account information is not registered, the account information registration function may be utilized to receive registration of the second user's account information. In other words, if the message is displayed in a chat room attended by the first user and the second user through an interactive session, the second user accesses the account information registration function from the link in the message and registers the account with the bank server. Information can be registered. In this case, the bank server may process the remittance request using the account information registered by the second user.

On the other hand, the account information registration function is for the second user to receive the remittance service provided by the bank server, and for the second user's account information to be registered in the bank server using the account information registration function. and a second function for receiving input of the second user's account information.

Also, if an interactive session has not been established, the computing device 200, at step 1150, establishes an interaction between the first account and the second account based on the first account and the second account associated with the function transfer request. An interactive session may be established.

At step 1160, the computing device 200 determines whether the account of the user who selected the link is the same as the second account of the second user, and whether the selected link is displayed in the chat room participant's account and the message. A comparison with associated first and second accounts may authenticate that the user who selected the link is the second user. In one embodiment, when the link is selected, the computing device 200 authenticates the user who selected the link by SMS (Short Message Service) authentication using the phone number associated with the second account of the second user. may authenticate as the second user. Such authentication of the second user also leads to authentication of the account information registered by the second user. In other words, authentication of the second user may be utilized to at least verify that the registered account information was not registered by another user.

On the other hand, in some embodiments, the computing device 200 may provide a link to the account information registration function through an Official Account (OA) of banking services provided by the bank server. As another embodiment, the computer device 200 may provide a message including a link to a function for registering account information with the bank service as an advertising message of the bank service provided by the bank server. In this case, by accessing the account information registration function from the link provided through the official account or advertising message, the user can access the account information of the other bank to which he/she receives the remittance, even if he/she has not registered for the bank service. can be pre-registered with the bank service.

FIG. 12 is a flow chart showing an example of a bank server remittance method in one embodiment of the present invention. The remittance method according to this embodiment may be executed by the computer device 200 that implements the bank server 340 described above. At this time, the processor 220 of the computing device 200 may be implemented to execute control instructions according to the operating system code and the at least one computer program code contained in the memory 210 . Here, processor 220 may control computing device 200 such that computing device 200 performs steps 1210-1270 included in the method of FIG. 12 according to control instructions provided by code recorded in computing device 200. .

At step 1210, computing device 200 may provide banking services. Such step 1210 may provide well-known functions of banking services in a bank server such as an Internet-only bank, and thus detailed description is omitted.

At step 1220, the computing device 200 identifies the second usage of the first user based on the first account of the first user and the second account of the second user according to the identification scheme of the instant messaging service associated with the bank service. You may receive requests to send money to As mentioned above, the remittance request may be received through banking services, but may also be communicated through instant messaging services. Further, as mentioned above, the interworking of the instant messaging service and the banking service may include at least the ability to identify the same user by the same identifier. At this time, the remittance request may include the first account and the second account, so that the computer device 200 can transfer the first user and the second account based on the first account and the second account according to the identification scheme of the instant messaging service. User may be identified.

At step 1230, the computing device 200 may check whether the second user's account has been opened with the banking service based on the second account. A second user account as meant herein may be a bank service account.

At step 1240, if the account of the second user is not opened, the computing device 200 may check whether the account information of the second user is registered based on the second account. Account information as meant herein may include account information for other banks rather than the bank providing banking services.

At step 1250, if the account information of the second user is not registered, the computing device 200 may provide an account information registration function through an instant messaging server that provides an instant messaging service. As an example, computing device 200 may instruct the instant messaging server to send a message including a link to the account information registration function through an interactive session established between the first account and the second account. may request.

At step 1260, the computing device 200 may register the second user's account information using the account information registration function. Messages sent through the interactive session may then be associated with a first account and a second account, the account information being a comparison of the account of the user who selected the link to the second account with which the message is associated; and may be authenticated by the instant messaging server based on a comparison of the account of the chat room participant whose link was displayed and the first and second accounts with which the message is associated. In another embodiment, the account information may be verified by a Short Message Service (SMS) verification sent by the instant messaging server to the phone number associated with the second account in response to the link being selected.

At step 1270, the computing device 200 may process the remittance request using the account information of the second user registered with the first account of the banking service associated with the first account.

Thus, according to the embodiment of the present invention, an account (for example, an account at another bank) for receiving remittances from a user who has not registered and/or does not have an account with a bank service that cooperates with an instant messaging service. ) information is registered and recorded in association with the user's instant messaging service account, and the user's instant messaging is performed using the recorded account information associated with the user's account. Can process money transfer requests for accounts on the Service.

The systems or devices described above may be realized by hardware components or a combination of hardware and software components. For example, the devices and components described in the embodiments may include, for example, processors, controllers, ALUs (arithmetic logic units), digital signal processors, microcomputers, FPGAs (field programmable gate arrays), PLUs (programmable logic units), microcontrollers, It may be implemented using one or more general purpose or special purpose computers, such as a processor or various devices capable of executing instructions and responding. The processing unit may run an operating system (OS) and one or more software applications that run on the OS. The processor may also access, record, manipulate, process, and generate data in response to executing software. For convenience of understanding, a single processing device may be described as being used, but those skilled in the art will appreciate that a processing device may include multiple processing elements and/or multiple types of processing elements. You can understand that. For example, a processing unit may include multiple processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include computer programs, code, instructions, or a combination of one or more of these, to configure a processor to operate at its discretion or to independently or collectively instruct a processor. You can Software and/or data may be embodied in any kind of machine, component, physical device, virtual device, computer storage medium or device for interpretation on or for providing instructions or data to a processing device. may be changed. The software may be stored and executed in a distributed fashion over computer systems linked by a network. Software and data may be recorded on one or more computer-readable recording media.

The method according to the embodiments may be embodied in the form of program instructions executable by various computer means and recorded on a computer-readable medium. The computer-readable media may include program instructions, data files, data structures, etc. singly or in combination. The medium may be a continuous recording of the computer-executable program or a temporary recording for execution or download. In addition, the medium may be various recording means or storage means in the form of a combination of single or multiple hardware, and is not limited to a medium that is directly connected to a computer system, but is distributed over a network. It may exist in Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and ROM, RAM, flash memory, etc., and may be configured to store program instructions. Other examples of media include recording media or storage media managed by application stores that distribute applications, sites that supply or distribute various software, and servers. Examples of program instructions include high-level language code that is executed by a computer, such as using an interpreter, as well as machine language code, such as that produced by a compiler.

As described above, the embodiments have been described based on the limited embodiments and drawings, but those skilled in the art will be able to make various modifications and variations based on the above description. For example, the techniques described may be performed in a different order than in the manner described and/or components such as systems, structures, devices, circuits, etc. described may be performed in a manner different from the manner described. Appropriate results may be achieved when combined or combined, opposed or substituted by other elements or equivalents.

Accordingly, different embodiments that are equivalent to the claims should still fall within the scope of the appended claims.

310: first user 320: second user 330: instant messaging server 340: bank server

Claims (20)

A method of money transfer for a computing device comprising at least one processor, comprising:
providing an instant messaging service by the at least one processor;
association by the at least one processor with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service from a bank server providing banking services associated with the instant messaging service; receiving, by the at least one processor, an account information registration function through an interactive session established between the first account and the second account in accordance with the function transfer request; A method of sending money that includes sending a message containing a link. The function transfer request is a remittance request from the first user to the second user in the bank server, and the second user does not have an account in the bank server and the second user 2. The remittance method according to claim 1, wherein the account information of the other bank is transmitted from the bank server when it is not registered in the bank server. the message is associated with the first account and the second account;
The remittance method is
The at least one processor determines whether the account of the user who selected the link is the same as the second account of the second user, and the account of the chat room participant whose selected link was displayed and the said 2. The money transfer of claim 1, further comprising: authenticating that the user who selected the link is the second user by comparison with the first account and the second account associated with the message. Method. The remittance method is
When the link is selected by the at least one processor, SMS authentication using a phone number associated with the second account of the second user allows the user who selected the link to access the second account. 2. The money transfer method of claim 1, further comprising: authenticating the identity of the person. The remittance method is
receiving, by the at least one processor, a remittance request from the first user to the second user from the terminal of the first user through the instant messaging service; and by the at least one processor, transmitting the remittance request to the bank server;
The remittance method according to claim 1, wherein the function transfer request is associated with the first account and the second account included in the remittance request. The transmitting step includes:
If the interactive session has not been established, establishing an interactive session between the first account and the second account based on the first account and the second account associated with the capability transfer request. The remittance method according to claim 1, characterized by: The account information registration function allows the second user to receive a remittance service provided by the bank server, and uses the account information registration function to register the account information of the second user in the bank server. and a second function for receiving input of account information of the second user. The remittance method according to claim 1, wherein The remittance method is
2. The money transfer method according to claim 1, further comprising providing, by said at least one processor, a link to said account information registration function through an official account of banking services provided by said bank server. The remittance method is
2. The method of claim 1, further comprising: providing, by the at least one processor, a message including a link to a function for registering account information with the banking service as an advertising message of banking services provided by the banking server. Remittance method as described. A method of money transfer for a computing device comprising at least one processor, comprising:
providing banking services by the at least one processor;
by said at least one processor said second account of said first user based on a first account of said first user and a second account of said second user according to an identification scheme of an instant messaging service associated with said banking service; the step of receiving a remittance request to the User;
verifying, by the at least one processor, whether an account of the second user has been opened with the banking service based on the second account;
verifying, by the at least one processor, whether the second user's account information is registered based on the second account if the second user's account has not been opened;
providing, by the at least one processor, an account information registration function through an instant messaging server that provides the instant messaging service if the account information of the second user is not registered;
registering the account information of the second user using the account information registration function by the at least one processor; and registering the bank service associated with the first account by the at least one processor. A remittance method, comprising processing the remittance request using the first account and the registered account information of the second user. 11. The remittance method according to claim 10, wherein said account information includes account information of another bank, not the bank that provides said bank service. 11. The remittance method according to claim 10, wherein the remittance request includes the first account and the second account. The step of providing the account information registration function includes:
requesting the instant messaging server to send a message including a link to the account information registration function through an interactive session established between the first account and the second account; 11. The remittance method according to claim 10, characterized in that. the message is associated with the first account and the second account;
The account information includes a comparison between the account of the user who selected the link and the second account associated with the message, and the account of the chat room participant in which the selected link was displayed and the message. 14. The method of transferring money according to claim 13, characterized by being authenticated by said instant messaging server by comparison with said associated first account and said second account. 14. The account information is authenticated by an SMS authentication that the instant messaging server calls a phone number associated with the second account in response to the link being selected. The remittance method described in . A computer program recorded on a computer-readable recording medium for connecting with a computer device to cause the computer device to perform the method according to any one of claims 1 to 15. A computer-readable recording medium recording a computer program for causing a computer device to execute the method according to any one of claims 1 to 13. at least one processor implemented to execute computer readable instructions;
by the at least one processor;
provide instant messaging services,
receiving, from a bank server providing a banking service associated with said instant messaging service, a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of said instant messaging service; death,
A computer device that transmits a message including a link to an account information registration function through an interactive session established between the first account and the second account according to the function transfer request. The function transfer request is a remittance request from the first user to the second user in the bank server, and the second user does not have an account in the bank server and the second user 19. The computer device according to claim 18, wherein the information is transmitted from the bank server when account information of another bank is not registered in the bank server. at least one processor implemented to execute computer readable instructions;
by the at least one processor;
provide banking services,
requesting said first user to send money to said second user based on the first account of the first user and the second account of the second user according to the identification scheme of the instant messaging service associated with said bank service; receive and
verifying whether an account of said second user has been opened with said banking service based on said second account;
if the account of the second user has not been opened, confirming whether the account information of the second user is registered based on the second account;
providing an account information registration function from an instant messaging server that provides the instant messaging service when the account information of the second user is not registered;
registering the account information of the second user using the account information registration function;
A computer device that processes the remittance request using the first account of the banking service associated with the first account and the registered account information of the second user.

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