KR100371860B1 - Method and system for processing financial business using virtual account - Google Patents

Abstract

The present invention relates to a financial business processing method and system using a virtual account, by granting a virtual account to act as a link to the representative account opened in an affiliated bank to the affiliated institution, the partner institution customers using the virtual account nationwide The purpose of the present invention is to freely handle financial affairs through the sales network of the bank, the sales network of a second financial institution and / or a general institution affiliated with the bank or the Internet.

To this end, the present invention, in a service system for connecting each computer of the affiliated bank and the affiliated organization through a communication network to relay financial business between the affiliated bank and the affiliated institution, the representative account opened in the affiliated bank as a mother account And a virtual account generation unit and the virtual account which generate one or more virtual accounts as an identification number for matching the financial transactions made through the communication network by matching the mother account and the customer real account opened in the affiliated institution. A partner bank computer including a representative account database for storing representative account transaction information through which a financial transaction is made, requesting to open a virtual account to the virtual account generator through the communication network, and granting a virtual account from a computer of the partner bank. Receiving the virtual account opening request unit and the received virtual account A virtual account management module comprising a virtual account management database configured to register and manage the client's real account information of the agency and a partner connected to the communication network using a virtual account registered in the virtual account management database The virtual account transaction confirming unit and the virtual account for checking whether a financial transaction request is made to a terminal of a bank sales network or a terminal of another bank sales network connected to a financial settlement agency common network or a terminal of a partner sales network connected to the communication network or a terminal of its own sales network. The computer of the affiliated bank through the communication network according to the verification result of the virtual account transaction verification unit and the virtual account transaction verification unit verifying the validity and the possibility of the requested financial transaction through a computer of an affiliated institution and / or an affiliated bank. Request a financial transaction from Notify the customer of the affiliated institution through the terminal requesting the financial transaction through the terminal requesting the financial transaction, and when the plurality of affiliated institution customers make a deposit transaction with a plurality of virtual accounts that match one representative account, fund collection and settlement of the affiliated institution A virtual account service server including a financial transaction relaying module comprising a virtual account transaction processing unit for transmitting deposit information to the affiliated institution computer so as to be used as information of accounting management, and to a virtual account through which the financial transaction is made through the virtual account service server. Provided are a system and method including an affiliated agency computer including a virtual account database for storing transaction information.

Description

Financial business process and system using virtual account {METHOD AND SYSTEM FOR PROCESSING FINANCIAL BUSINESS USING VIRTUAL ACCOUNT}

The present invention relates to a method and system for processing financial services, and in particular, a second financial institution that needs to be affiliated with a banknote, and an affiliated institution that needs to aggregate or similar work for each industry, is the same as a real account used in a banknote or By using a virtual account with a similar structure, the financial settlement agency handles the financial affairs through the common network and / or the Internet, the public network, or the private network, thereby expanding the business area of affiliated institutions and providing a more convenient service to customers. It relates to a method and system for processing financial services used.

In order to use the bank's sales network, each bank branch must be given an account number. In order to use the bank's sales network at a second financial institution such as a securities company, a trust company or an insurance company, various restrictions were followed.

For example, automated teller machines for financial services are now configured to operate by applications supported by specific financial institutions. Even when banks and second financial institutions use their business in cooperation, certain banks are configured not to make their own transactions, but to be subject to banking transactions. Therefore, the second financial institution had problems such as using financial products used by banks or accepting all unreasonable fee payment systems unilaterally set by the bank.

However, in reality, companies that need to collect money (CMS) or other similar operations, such as second financial institutions, construction companies, oil refiners, distribution stores, etc., are absolutely required to use the extensive sales network of banks. As a way of dealing with such a task smoothly in companies that need to deal with the business through the partnership of the company is seeking a financial business processing method using a virtual account.

Of course, there are still ways to use virtual accounts. However, if the bank is notified of the bank's account system to a partner institution (a second financial institution and a company that needs to be affiliated with a bank that requires funding or other similar work), the partner institution may record a virtual account received from the partner bank. Issue its own card (for example, a securities card issued and used independently by a securities company) to its customers. In this way, the automatic teller machines of almost all banks as well as the affiliated banks can be used, which can reduce the inconvenience of having to partner with various banks from the point of view of the affiliated institution. However, since the account system of the affiliated bank is recorded and issued to the card of the affiliated institution to the customer of the affiliated institution, if the number of cards issued increases, it is difficult to terminate the contract due to the unilateral fee setting or deposit at the affiliated bank. There was a fear of making a request.

The present invention has been made to solve this problem, the present invention is connected to each computer of the partner bank and the affiliated organization through a communication network, the service system for relaying the financial business between the partner bank and the affiliated agency, the One or more virtual accounts are identified as an identification number that connects the financial transactions made through the communication network by matching the mother account opened in the affiliated bank with the mother account and matching the mother account with the customer real account opened in the affiliated institution. A partner bank computer including a virtual account generation unit to generate and a representative account database for storing representative account transaction information for financial transactions through the virtual account, and requesting the virtual account generation unit to open a virtual account through the communication network. Opens Virtual Account to Get Virtual Account from Computer of Partner Bank A virtual account management module comprising a virtual account management database for registering and managing a requesting unit and the issued virtual account with customer real account information of the affiliated organization, and a customer of the affiliated organization registered in the virtual account management database. Check whether the financial transaction request is made by using a virtual account to a terminal of an affiliate bank sales network connected to the communication network, a terminal of another bank sales network connected to the financial settlement agency joint network, a terminal of an affiliated institution sales network connected to the communication network, or a terminal of its own sales network. The virtual account transaction verification unit which verifies the validity of the virtual account and the virtual account and whether the requested financial transaction is possible through a computer of an affiliated agency and / or an affiliate bank and the verification result of the virtual account transaction verification unit. According to the affiliate through the communication network A bank computer requests processing of a financial transaction, notifies the customer of the affiliated institution through the terminal requesting the financial transaction, and deposits a plurality of affiliated institution clients into a plurality of virtual accounts matching one representative account. In the case of a transaction, a virtual account service server and a virtual account service server including a financial transaction relaying module comprising a virtual account transaction processing unit for transmitting deposit information to the affiliated institution computer so as to be used as information on funding, settlement and accounting management of an affiliated institution. Provided is a financial business processing system using a virtual account, comprising an affiliated computer including a virtual account database for storing transaction information on the virtual account through which the financial transaction is made through the account service server.

In another embodiment of the present invention to achieve the above object, in the method of processing the financial business between the affiliated bank and the affiliated institution by a virtual account service server connected to each other via a computer and a communication network of the partner bank and the affiliated institution; In addition, one or more virtual accounts may be identified as an identification number that connects a financial account made through the communication network by matching a representative account opened in an affiliated bank as a parent account and matching the mother account with a customer real account opened in an affiliated institution. A first step of requesting to establish an affiliated bank computer having a virtual account generation unit to be created through the communication network; receiving a virtual account from the computer of the affiliated bank through the communication network; A second step of registering, managing and matching with account information; The customer of the organization uses a virtual account registered in the virtual account management database, a terminal of an affiliated bank sales network connected to the communication network, a terminal of another bank sales network connected to a financial settlement agency common network, or a terminal of an affiliated institution sales network connected to the communication network or itself. A third step of confirming whether the financial transaction request is made to the terminal of the sales network by the virtual account service server, and the validity of the virtual account and whether the requested financial transaction is possible through the computer of the partner bank and / or the partner bank; A fourth step of verifying by the virtual account service server, a fifth step of notifying the customer of the affiliated institution by the virtual account service server through the terminal requesting the financial transaction, and a plurality of matching one representative account Deposited by many of the above affiliated institution customers into the virtual account of In the case of the financial financing using a virtual account, comprising the sixth step of transmitting the deposit information to the virtual account service server to the affiliated institution computer so that it can be used as information on funding, settlement, accounting management of the affiliated institution; Provide a way of doing business.

1 is an explanatory diagram showing a concept of a financial business processing method using a virtual account according to the present invention

2 is an explanatory diagram showing another concept of the financial business processing method using a virtual account according to the present invention;

Figure 3 is a schematic block diagram of a financial business processing system using a virtual account according to the present invention

4 is a reference diagram for explaining an operation of a virtual account service server of FIG. 3 and an affiliated institution computer;

5 is a flowchart of opening a representative account performed by an affiliate bank.

6 is a flowchart of establishing a virtual account made through an affiliated institution and an affiliated bank.

7 is a flowchart illustrating a method for processing financial services using a virtual account according to the present invention.

8 is a flowchart illustrating another embodiment for explaining a financial business processing method using a virtual account according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: virtual account service server 110: virtual account management module

120: financial business relay module 10: KFTC

20: partner bank computer 30: partner institution computer

21: Partner bank representative account DB 31: Partner institution virtual account DB

40: information and communication network 41: automatic teller machine (ATM)

42: electronic financial channel 43: partner financial institution

50: other banks

These objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

In the following, the present invention is linked to a financial network of the Korea Financial Settlement Institute by linking a representative account opened by an affiliated bank with a request from an affiliated institution and a plurality of and / or one client's real accounts (accounts verified by an affiliated company). The present invention proposes a financial business processing method using a virtual account that processes deposits and / or withdrawals through the Internet, and / or the Internet, the public network, the private network, and manages the transaction information. In the present specification, the financial business includes cash and check, deposit and withdrawal services using various types of cards, and credit card authorization and payment, credit card cash service service, e-commerce payment service, fund settlement and collection service, and the like. Collectively. In this specification, in particular, a description of the case of a virtual account service server linked based on a communication network and an automatic teller machine (ATM) leading to an affiliated bank and an affiliated institution and an information communication network connected to an electronic financial channel and an affiliated financial institution is provided. Is not limited thereto and may be variously modified and modified by those skilled in the art.

1 is an explanatory diagram showing a concept of a financial business processing method using a virtual account according to the present invention, a representative account opened in an affiliated bank upon request from an affiliated institution, and a customer whose real name is confirmed in an affiliated institution. A virtual account granted in connection with a representative account of an affiliated bank and a deposit transaction from the affiliated institution to the representative account and withdrawal from the representative account are made between the real account opened for It shows a single real account connected to each other.

Figure 2 is an explanatory diagram showing another concept of the financial business processing method using a virtual account according to the present invention, a representative account opened in an affiliated bank upon request from an affiliated institution, and the representative account 1: A number of virtual accounts assigned by N are shown. In this case, the plurality of virtual accounts provide only a deposit transaction to the representative account.

3 is a schematic block diagram of a financial business processing system using a virtual account according to the present invention. The virtual account service server 100 receives and registers and manages a virtual account from an affiliated bank, and the server 100. The configuration of the financial business processing system in which the computer 20 of the affiliated bank, the computer 30 of the affiliated institution, and the information communication network 40 are connected to the center is shown. The computer is a computer equipped with an application for managing a virtual account.

Referring to FIG. 3, the virtual account service server 100 requests an affiliated bank to open a virtual account having a representative account opened in an affiliated bank as a parent account from a computer of an affiliated bank. And, by registering and managing the real account information of the affiliated institution customers associated with the virtual account received. In addition, a business logic server (BLS server), a communication server (C / S server), etc. are provided to support a deposit or withdrawal transaction for the representative account requested by using the virtual account. It is connected to the computer 20, 30 and the information communication network 40.

The virtual account service server 100 includes a virtual account management module 110 and a financial transaction relay module 120.

The virtual account management module 110 requests to open a virtual account linked to the customer's real account opened in the affiliated bank as a parent account opened in the affiliated bank through the virtual account opening request unit to the affiliated bank, and the affiliated bank. Receive a virtual account from the computer of the registration and management in the virtual account management database (111). The virtual account management module 110, of course, can be registered and managed by connecting a plurality of virtual accounts to one representative account.

The financial transaction relay module 120 checks whether a financial transaction request using a virtual account registered in the virtual account management database 111 is generated from an arbitrary use place through a virtual account transaction confirmation unit, and the financial transaction request is Validate the validity of the virtual account and the possibility of the requested financial transaction with the virtual account transaction verification unit through the computer of the partner institution and / or the partner bank, and according to the verification result, the representative account of the affiliate bank through the virtual account transaction processing unit. Request the processing of the financial transaction, and notify the user of the result of the processing.

The financial transaction relay module 120 is connected to the computer 20 of the partner bank so as to communicate with each other, thereby establishing a sales network established in the partner bank (the branch terminal 23 of the partner bank and / or the ATM 24 and / or the bank). It is possible to process the financial business using the virtual account generated from the automated teller machine (22)}, and the financial transaction relay module 120 is connected to other bank sales network {other bank's sales terminal ( 53) and / or the banking business using the virtual account generated from the ATM 51 and / or the automated teller machine 52). In addition, the financial transaction relay module 120 is connected to the computer 30 of the affiliated organization so as to communicate with each other, the sales network (partner terminal 33 of the affiliated organization and / or cash machine 34 and / or 34) established in the affiliated institution. Alternatively, it is possible to process the financial business using a virtual account generated from the automated teller machine (32).

In addition, the financial transaction relay module 120 is an information and communication network 40, such as the Internet, leased lines, public network, automatic teller machine (ATM) 41, and / or Web-TV (PC-TV), PCS, PDA Various electronic financial channels 42, and / or other affiliated institutions 43 may be connected to establish their own sales network, and may process financial operations using virtual accounts generated from their own sales network.

Of course, the computer 20 of the affiliated bank and the computer 30 of the affiliated institution for storing the transaction information for the representative account that the deposit / withdrawal transaction is made through the virtual account supported by the virtual account service server 100, respectively; Of course, the representative account database 21 and the virtual account database 31 are constructed, respectively.

The virtual account is a virtual identification number that supports electronic financial services with partner institutions, and has the same or similar structure as a real account used in banknotes, and a new work code is assigned to the account number so that the terminal or system can be distinguished. Or by assigning a specific branch code to the account number. In addition, the virtual account can be inserted into the membership card when the membership card is issued.

4 is a reference diagram for explaining an operation of the virtual account service server and the affiliated organization computer of FIG. 3 as an example. The virtual account service server 100 may include a plurality of virtual requests requested from the computer 30 of the affiliated organization. The account is numbered 1: N from the representative account in the name of the affiliated institution already established in the affiliated bank, and the affiliated institution computer 30 shows that a plurality of virtual accounts can be given to one representative account. In this way, a number of virtual accounts are assigned to a member from one representative account as 1: N, and each member deposits relevant funds into the virtual account through another bank or an information and communication network. In the financial transaction relay module 120 of the virtual account service server 100 which is deposited, electronic banking for facilitating fund collection, settlement and accounting management by providing deposit information of a virtual account to an affiliated institution through the virtual account transaction processing unit. To provide services.

The virtual account grants a virtual account that can be used in banknotes to customers whose name is verified by an affiliated institution (if the affiliated institution is a second financial institution) in connection with the bank. 2 Using the real name of the financial institution, the branch of the second financial institution will give the customer the information of the second financial institution's account and the virtual account of the bank that can be used in the banknote by interconnecting the systems.

The second financial institution customer can use this virtual account to freely deposit and withdraw money into the second financial institution customer's deposit account through branch terminals, automated devices or electronic financial channels of banks nationwide.

The financial business process using the virtual account of the present invention as described above with reference to the flow chart of Figures 5 to 8 as follows. The virtual account service server 100 may be mounted on a business logic server of a partner bank, and / or a server for communication, or may be configured as an individual server. In the following financial business processing operation, a case in which it is mounted on a business logic server and / or a communication server of an affiliate bank will be described as an example.

5 is a flowchart of establishing a representative account, which is performed by an affiliated bank upon request from an affiliated institution.

Referring to FIG. 5, when there is a request to open a representative account from an affiliated institution, the partner bank receives a request to open a representative account (S511), opens a representative account (S512), and notifies the partner institution of the result (S513). As a result, the affiliated institution can accept the representative account opened in the affiliated bank.

6 is a flowchart of establishing a virtual account made through an affiliated agency and an affiliated bank at the request of a customer, and is executed in both the affiliated institution and the affiliated bank with a focus on the virtual account service server.

Referring to FIG. 6, when there is a request for a virtual account from a customer, the affiliated institution first receives the virtual account opening data (S611) and verifies the data (S612), together with the actual (name) account information of the customer who owns it. Send to the partner bank, and requests to open a virtual account for the data (S613). The partner bank receives the virtual account opening data (S614), verifies whether the virtual account can be opened (S615), and then opens a virtual account linked to the existing representative account and the real (name) account information of the partner institution (S616). In order to be managed in his representative account database, the result is notified to the affiliated organization (S617). The partner institution receives the notification data (S618), records the virtual account information, the real (name) account of the customer, and the representative account of the affiliate bank in their database (S619) and manages the number of the virtual account. If necessary, use an intermediary, such as a card, to give the customer.

7 is a flowchart illustrating a method for processing a financial business using a virtual account according to the present invention, and after the affiliated agency opens a representative account in the name of the affiliated institution in the affiliated bank, the affiliated institution customer With the virtual account linked to the real account in possession, the deposit and withdrawal request from a specific user is made through an information and communication network (internet, public network, private network, etc.) connected with another bank common network or virtual account service server connected with the KFTC. If there is, the method is shown to enable the transfer to and from the representative account opened in the partner bank through the virtual account.

Referring to FIG. 7, when a transaction for a virtual account occurs at a specific place of use (national banks, affiliated institutions, automated teller machines, electronic financial channels, etc.), first of all, the affiliated bank of the affiliated institution and the virtual account having the representative account of the virtual account occurs. After verifying validity (S711 and S712) in turn, and verifying whether or not the requested financial transaction is possible (S713), a request is made to the affiliated institution for processing the transaction (S714). Accordingly, the affiliated institution that receives the transaction processing request (S715) verifies whether the transaction is possible (using the account, checking the available balance, etc.) through the real account of the customer associated with the virtual account (S716), and the requested After processing the transaction of the virtual account (S717), the result is notified to the partner bank again (S718). The partner bank receives the transaction processing result (S719) and determines the transaction content requested through the virtual account (S720). If the transaction corresponds to the deposit and withdrawal transaction, the withdrawal is withdrawn from the representative account which is the parent account of the virtual account. After the transaction is processed (S721), the processing result is notified to the user (S722). The user receives this and notifies the customer of the processing result.

Representative account deposit and withdrawal processing step in the affiliated bank may vary depending on the prior agreement with the affiliated institution. For example, deposits and withdrawals can be processed for every transaction, and the transaction can be processed by depositing and withdrawing at the closing after setting a limit for each transaction or for a specific operating period.

8 is a flow chart of another embodiment for explaining a financial business processing method using a virtual account according to the present invention, an organization with which a business is affiliated to use a virtual account for a special purpose (for example, money collection, fee storage, etc.). Opens a representative account in the name of the affiliated institution in the affiliated bank, and grants a plurality of virtual accounts associated with the representative account to a plurality of customers in each of the affiliated institutions. Then, when there is a request for deposit or withdrawal using the virtual account from a specific user through an information communication network (internet, public network, private network, etc.) connected to another bank joint network or a virtual account service server connected to a financial settlement agency, It illustrates how deposits or withdrawals to a representative account linked to an account can be made through a partner bank. This method ensures that the customers who need to collect the funds are able to accurately recognize the details deposited in the representative account regardless of the real name verification.

Referring to FIG. 8, when a transaction for a virtual account occurs at a specific place of use (national banks, affiliated institutions, automated teller machines, electronic financial channels, etc.), firstly, the affiliated bank and the affiliated institution having a representative account associated with the virtual account may be used. After verifying the validity of the account (S811, S812) in order to verify whether or not the transaction (fairly affiliated or legally granted and registered virtual account) (S813), the requested transaction through the virtual account Direct processing (S814). In operation S815, the requested transaction information is determined through the virtual account, and if the corresponding transaction corresponds to a deposit or withdrawal transaction, the deposit or withdrawal transaction is processed in the representative account which is the parent account of the virtual account (S816). Thereafter, the transaction information processing result is recorded in the representative account database managed by the user (S817), and the corresponding affiliated organization is notified of the transaction information processing result (S818). Accordingly, after receiving the transaction information processing result (S819), the affiliated institution processes the transaction information (S820), and then notifies the partner bank of the transaction information processing result again (S821). The affiliated bank receives the processing result from the affiliated institution (S822) and notifies the customer of the use place requested for the transaction through the virtual account at the affiliated institution and the affiliated bank (S823).

In this case, the representative account deposit and withdrawal processing step in the affiliated bank may vary according to the contents of the prior contract with the affiliated institution. For example, withdrawal and withdrawal can be processed in real time for each transaction, and after setting the limit for each transaction or for a specific operating period, it is a matter of course that the withdrawal and withdrawal can be processed by batch processing.

Here, the affiliated institutions that need to accumulate funds include a construction company, a distributor, a refinery company, and the like. For example, after a representative account is opened by a construction company, a virtual account that can be recognized by a construction company to a customer who has received an apartment sale (for example, After issuing and issuing a card containing the unique virtual account of the apartment, which has been distributed to the customer, the funds are stored in the banks, automatic teller machines or various electronic financial channels. To be possible.

The virtual account is transferred to the computer of the partner bank in real time from the new member or the requesting partner, and the virtual account is collected on a case-by-case basis, or the virtual account is collectively collected as necessary to be managed by the affiliated organization. Of course you can. In addition, as a method of deposit / withdrawal using a virtual account, affiliated banks and affiliated institutions, banks of other banks, automated devices (CD / ATM), PC banking, Internet banking, phone banking, etc. In addition, if there is any other sales business, a virtual account can be given to a sales office (including sales staff) or a distributor to be used for money management.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention can obtain convenience of various deposit functions such as bank and other currency exchange, PC banking, Internet banking, and phone banking from a customer's point of view. It is possible to manage the funds efficiently by automating the payment of deposits, and to simplify the work by automating the accounting service using the deposit information, and to facilitate the computer development such as convenient remittance function such as refund funds and collective remittance. There is an advantage.

In other words, through the virtual account, which is a kind of recognition number for financial transaction relaying, it does not have monetary value, but affiliated institutions such as securities companies and insurance companies can utilize the network of national financial institutions (national bank store network, financial settlement agency, etc.) For example, affiliates such as telecommunications companies can provide convenient funds payment services to customers of companies that need to collect funds, so that they can utilize them conveniently in various financial transactions.

Claims (2)

A method of processing financial business between an affiliated bank and an affiliated institution by a virtual account service server connected to each other through a computer and a communication network of the affiliated bank and the affiliated institution, wherein the representative account opened in the affiliated bank is used as the parent account and The network is connected to an affiliated bank computer having a virtual account generation unit for generating one or more virtual accounts as an identification number for matching a real account opened at an affiliated institution to connect a financial transaction through the communication network. Requesting to open through the first step; A second step of receiving a virtual account from the computer of the affiliated bank through the communication network, registering and managing the virtual account in the virtual account management database by matching the customer real account information of the affiliated institution; A terminal of an affiliated bank sales network connected to the communication network or a terminal of another bank sales network connected to the financial settlement agency common network using a virtual account registered in the virtual account management database, or a terminal of an affiliated agency sales network connected to the communication network Or a third step of checking, by the virtual account service server, whether a financial transaction request is made to a terminal of an own sales network; A fourth step of verifying, by the virtual account service server, the validity of the virtual account and whether the requested financial transaction is possible through a computer of an affiliate bank and / or an affiliate bank; A fifth step of notifying the customer of the affiliated institution from the virtual account service server through the terminal requesting the financial transaction; And When a plurality of affiliated institution customers make a deposit transaction with a plurality of virtual accounts matching one representative account, the virtual account service server uses the deposit information to use as information on funding, settlement, and accounting management of an affiliated institution. And a sixth step of transmitting to the affiliated institution computer. In a service system that connects computers of affiliated banks and affiliated institutions through a communication network to relay financial business between affiliated banks and affiliated institutions, One or more virtual accounts as an identification number that connects the financial transactions made through the communication network by matching the mother account opened in the affiliated bank with the mother account and matching the mother account with the customer real account opened in the affiliated institution. An affiliated bank computer including a virtual account generation unit for generating a representative account database for storing representative account transaction information through which the financial transaction is made through the virtual account; Request the virtual account creation unit to open the virtual account through the communication network, and match the virtual account establishment request unit and the virtual account received with the virtual account from the computer of the partner bank to match the real account information of the affiliated organization. Virtual account management module consisting of a virtual account management database for registering and managing the A terminal of an affiliated bank sales network connected to the communication network or a terminal of another bank sales network connected to the financial settlement agency common network using a virtual account registered in the virtual account management database, or a terminal of an affiliated agency sales network connected to the communication network Or a virtual account transaction confirming unit that checks whether a financial transaction request has been made to a terminal of its own sales network, and a virtual verifying the validity of the virtual account and whether the requested financial transaction is possible through a computer of an affiliated institution and / or affiliated bank. In accordance with the verification result of the account transaction verification section and the virtual account transaction verification section, the financial transaction is requested to the computer of the affiliated bank through the communication network, and the processing result is notified to the customer of the affiliated institution through the terminal requesting the financial transaction. A plurality of matching one representative account When a plurality of the affiliated institution customers make a deposit transaction with a virtual account, a financial transaction relay is made up of a virtual account transaction processing unit that transmits the deposit information to the computer of the affiliated institution so that the information can be used as information on funding, settlement, and accounting management of the affiliated institution. A virtual account service server including a module; And And a partner institution computer including a virtual account database for storing transaction information on a virtual account for which a financial transaction is made through the virtual account service server.