KR100885169B1 - System for Operating Credit Security Virtual Account - Google Patents

Abstract

The present invention relates to a method and system for operating a credit secured virtual account and a program recording medium therefor. The credit secured virtual account operating system according to the present invention includes: virtual account assignment means for allocating one or more virtual accounts to a family member; By using the information checking means for checking the credit limit of the representative to check the amount of loan (or cash service) and the confirmed amount of loan (or cash service), a predetermined amount is added to the virtual account assigned to the family member. And a virtual account charging means for charging.

Virtual Account, Credit Collateral, Recharge Method

Description

System for Operating Credit Security Virtual Account

1 is a diagram illustrating a virtual account opening system for establishing a virtual account in a face-to-face manner according to an embodiment of the present invention.

2 is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face virtual account according to an embodiment of the present invention.

3 is a diagram illustrating a virtual account opening process for opening a virtual account in a face-to-face manner according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a virtual account opening system for opening a non-face-to-face virtual account according to another exemplary embodiment of the present invention.

5 is a view showing the configuration of a virtual account ledger according to the establishment of a non-face-to-face virtual account according to another embodiment of the present invention.

6 is a diagram illustrating a virtual account opening process for opening a virtual account in a non-face-to-face manner according to another exemplary embodiment of the present invention.

7 is a view showing a virtual account operating system according to an embodiment of the present invention.

8 is a diagram illustrating an operation process of a financial transaction terminal when operating a virtual account according to an embodiment of the present invention.

9 is a diagram illustrating an operation process of a virtual account operating server when operating a virtual account according to an embodiment of the present invention.

10 is a view showing a virtual account operating process according to another embodiment of the present invention.

<Description of main parts of drawing>

100: virtual account opening server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

The present invention comprises the steps of assigning one or more virtual accounts to family members in a predetermined virtual account assignment means, identifying the amount of loan (or cash service) available by checking the credit limit of the family representative in the predetermined information checking means; It relates to a credit secured virtual account operating method comprising the step of charging a predetermined amount in the virtual account assigned to the family member by using the identified loan (or cash service) available amount in the predetermined virtual account charging means. .

A virtual account is a virtual 'child account' attached to a bank's parent account or representative account, which is not a real bank account, but a number of computer codes (CMS codes) linked to the mother account serve as a kind of account.

Financial institutions currently offer a variety of P2P payment services, including e-mail banking, mobile phone money transfer, and electronic wallets, using virtual accounts linked to their parent accounts.

In particular, the 'virtual account' is an account with the same structure as a real account, and has both a function used in the financial common network and an identification number, so that credit card, loan card, insurance storage, utility billing, internet payment, etc. It is spreading to a wide range of fields.

As such, various services using virtual accounts are provided, but it is time for new services to be sought in order to increase competitiveness and preoccupy superiority with other companies.

An object of the present invention for solving the above problems is to allocate one or more virtual accounts to family members, check the credit limit of the family representative to check the amount of loan (or cash service) available, the loan (or cash) A service and method for operating a credit secured virtual account for charging a predetermined amount in a virtual account assigned to the family member by using a serviceable amount).

Credit secured virtual account management system according to the present invention, virtual account assignment means for allocating one or more virtual accounts to family members, and information confirmation means for confirming the amount of loan (or cash service) by checking the credit limit of the family representative And a virtual account charging means for charging a predetermined amount in a virtual account assigned to the family member by using the confirmed loan (or cash service) available amount.

According to the present invention, the virtual account assignment means, when assigning the generated virtual account to the family member, characterized in that the set up and register the assigned virtual account as a mobile-based payment account.

According to the present invention, the virtual account charging means, characterized in that for automatically charging the amount of charge for the virtual account according to the criteria set by the family representative or the approval of the family representative.

On the other hand, the present invention includes a recording medium, characterized in that the program for executing the above-described credit security virtual account operating system configuration means recorded program.

On the other hand, credit security virtual account operating method according to the present invention, the step of allocating one or more virtual accounts to the family member in the predetermined virtual account assignment means, and check the credit limit of the family representative in the predetermined information checking means loan ( Or cash service) confirming a possible amount of money and charging a predetermined amount in a virtual account assigned to the family member using the identified loan (or cash service) available amount in a predetermined virtual account charging means. It is characterized by comprising.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a virtual account opening system for establishing a virtual account in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 illustrates that a predetermined first customer (eg, a parent, etc.) requests opening of a virtual account for use by at least one second customer (eg, a child, etc.) through a face-to-face virtual account opening interface. In the virtual account opening system according to the invention relates to a system configuration for opening at least one virtual account having a specific account (eg, negative account, credit card linked account, etc.) opened in the first customer name as a parent account, specifically When the first customer visits a window of a financial institution where the virtual account is opened, prepares a predetermined virtual account opening application form and submits it to the cashier, the cashier responds to the virtual account opening application through a predetermined teller terminal. When the predetermined virtual account opening application information is provided, the provided virtual account in the virtual account opening system according to this drawing And a method of opening a negative loan virtual account to be used by the second customer to the first customer using the application information.

Those skilled in the art to which the present invention pertains, at least one virtual reference to the customer's specific account (e.g., negative account, credit card linked account, etc.) by referring to and / or modifying the Figure 1 Various implementation methods for the configuration of a virtual account opening system for opening an account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the specific account (eg, negative account, credit) of the first customer based on the virtual account opening application information provided from the first customer through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. 1. Components corresponding to at least one or more means and / or functional configurations for establishing a virtual account having a parent account as a parent account are referred to as "virtual account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the virtual account opening system for opening a virtual account includes a teller terminal used by a teller provided with at least one financial institution. The terminal is connected to the communication channel and the virtual account opening server 100 provided on the virtual account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the first customer visits the financial institution to open the virtual account to be used by the second customer and through the window provided to the financial institution (or through a teller). Complete a predetermined virtual account opening application (eg, a document with a form for filling in at least one information item for opening a virtual account) for opening a virtual account (or the clerk visits the first customer) The first customer to submit a predetermined virtual account opening application for opening the virtual account), and submits the created virtual account opening application to the teller, and the teller waits for the virtual account through the predetermined teller terminal. The information entered in the account opening application is entered (or selected), and the counter terminal transmits the entered (or selected) information through the financial network. It is preferable to transmit to the virtual account opening server 100 provided on the virtual account opening system.

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the virtual account opening server 100 connected to the teller terminal is provided on the financial system that the virtual account is opened. It is preferable that the ledger server is made, wherein the financial network connecting the teller terminal and the virtual account opening server 100 includes a branch network connecting the communication channel between the teller terminal and the virtual account opening server 100. It is preferable to make it.

In the virtual account opening system as described above, a virtual account opening application prepared by the first customer, a window terminal used by the teller staff, and a financial network connecting the window terminal and the virtual account opening server 100 may be used. The first customer performs a function of a virtual account opening interface for registering virtual account opening application information for opening a virtual account for use by the second customer.

At the request of the first customer, a financial institution that establishes a virtual account using a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer as a parent account may provide at least one financial transaction to at least one financial transaction customer. It is characterized by having a predetermined financial system for providing a transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal, wherein the financial transaction service is based on a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer. It is preferable to include a financial transaction service for opening and operating a virtual account.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is a specific account (eg, a negative account) of the first customer. It is preferable to include a financial transaction service for the opening and operation of a virtual account having a parent account).

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or portable terminal equipped with a connection and browsing function, and the financial transaction service provides a specific account (eg, Financial transaction services for the opening and operation of virtual accounts with negative accounts, credit card linked accounts, etc.) It is preferable to make it.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service may provide a virtual account that includes a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer as a parent account. And it comprises a financial transaction services for the operation are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction service, and the financial transaction service is used for opening and operating a virtual account based on a specific account (eg, negative account, credit card linked account, etc.) of the first customer. It is preferable to include a financial transaction service.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network). A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a terminal and / or a smartphone, and the financial transaction service is a specific account (eg, a negative account, a credit card linked account) of the first customer. And a financial transaction service for opening and operating a virtual account having a parent account.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service is a virtual account having a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer. It is desirable to include financial transaction services for account opening and operation.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service includes a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer. It is preferable to include a financial transaction service for opening and operating a virtual account with parent account).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) access to the financial system, and / Or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is stored in a relational manner.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The virtual account opening server 100 provided on the virtual account opening system according to the present invention is a generic term for the virtual account opening system side component connected to the teller terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to the method of the present invention, the virtual account opening server 100 is characterized in that it comprises an interface unit 105 for providing a predetermined virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 105 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using the communication protocol defined in the virtual account opening program provided in the window terminal.

Referring to FIG. 1, when the virtual account opening server 100 is connected to the virtual account opening server 100 through the interface unit 105, the virtual account opening server 100 interworks with the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the counter terminal to the counter terminal; and the interface unit 105. Information receiving unit 115 for receiving a predetermined virtual account opening application information input (or selected) through the user interface and transmitting the information through the user interface, and based on the received virtual account opening application information. The information generating unit 120 for generating predetermined virtual account ledger information corresponding to the virtual account to be opened to the first customer, and the ledger D / B on the financial system. Characterized in that the financial account corresponding to the customer account associated with the account (e.g., parent account) accounts obtained by having a connection with ledger the generated virtual account ledger information to store information storage unit 125.

The interface providing unit 110 when the predetermined window terminal is connected to the virtual account opening server 100 via the interface unit 105, the virtual account opening application information corresponding to the functional configuration provided in the window terminal To generate (or select) a predetermined user interface that can be transmitted to the virtual account opening server 100 through the financial network, and / or to extract from a predetermined database (not shown), and the interface unit ( And providing the generated (or extracted) user interface to the counter terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selected) virtual account opening application information through the financial network to the virtual account opening server ( 100).

According to an embodiment of the present invention, when the window terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a virtual account opening program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 105.

When the information receiving unit 115 inputs (or selects) predetermined application information for opening a virtual account through the user interface at the window terminal and transmits it through the financial network, the information receiving unit 115 interworks with the interface unit 105 to provide the virtual account. Characterized in that to receive the establishment request information, and provides the received virtual account establishment application information to the information generating unit 120.

According to an embodiment of the present invention, the virtual account opening application information may include the virtual account opening application customer information (eg, first customer information) and mother account information (eg, negative account, credit card linked account) associated with the virtual account. Etc.), the virtual account usage customer information (eg, second customer information including wireless terminal information), the usage information for each virtual account, and the amount of charge information for each virtual account (for example, no balance or lack of balance). It is preferable to include at least one of automatically charging from the mother account, automatically charging from the mother account when the virtual account usage is exceeded.

According to the embodiment of the present invention, the information receiver 115 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the opening of the virtual account may be determined by a financial account (eg, a first customer minus account, a credit card linked account, etc.) corresponding to the mother account information included in the virtual account opening application information. It is preferable to include checking whether it is opened with a real account in the bank.

The information generating unit 120 is opened in the virtual account (but used by the second customer) based on the virtual account opening application information received through the information receiving unit 115 (but used by the second customer). And generating predetermined virtual account ledger information, wherein the virtual account ledger information is included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system. It is preferable to include at least one ledger information that should be.

Those skilled in the art to which the present invention pertains, since they will be familiar with the configuration of at least one ledger information to be included in the account ledger, detailed description thereof will be omitted for convenience.

When the predetermined virtual account ledger information to be included in the virtual account is generated by the information generating unit 120, the information storage unit 125 includes the mother account (eg, provided in the ledger D / B provided on the financial system). And a predetermined virtual account ledger associated with the account ledger corresponding to a negative account, a credit card linked account, etc.), and storing the generated virtual account ledger information in the virtual account ledger.

Ledger D / B (200) is a view showing the configuration of a virtual account ledger according to the establishment of a face-to-face virtual account in accordance with an embodiment of the present invention.

In more detail, FIG. 2 illustrates a specific account of a first customer (eg, a negative account, provided in the ledger D / B 200 on the financial system for opening the virtual account in the virtual account opening system shown in FIG. 1). The virtual account ledger is linked to the account ledger corresponding to the credit card linked account, etc.). Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for the virtual account ledger configuration for account opening may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 2, a virtual account ledger opened in the name of the first customer for opening the virtual account and corresponding to the virtual account to be used by the second customer is a specific account (eg, a negative account, a credit) of the first customer. It is linked to the account ledger corresponding to the card linked account, etc., characterized in that it is provided in the ledger D / B 200 on the financial system, the specific account (eg, negative account, credit card linked account) of the first customer Etc.) is linked to a predetermined customer ledger corresponding to the first customer.

In the drawing 2 according to the embodiment of the present invention, the customer ledger corresponds to a first customer who opens the virtual account, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer in FIG. 2 is relationally associated with the customer ledger, and includes account number, CIF number, point number, currency, Opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, last withdrawal date, It includes account ledger information including at least one final payment amount, final withdrawal amount, number of unpaid account transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic receipt information including at least one or more of an account number corresponding to the account ledger, a number of waivers (months), a period (days), a period extension, an expiration date, and a target amount, and / or an account corresponding to the account ledger. Trust receipt information including at least one of a number, a deposit amount, a par value, a pension date and the number of shares, and / or an account number corresponding to the account ledger, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, It includes transaction history information including at least one or more RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the virtual account ledger is linked to the account ledger corresponding to a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer in a relational manner. The information preferably includes mother account information associated with the virtual account and at least one ledger information to be included in the account ledger provided in the ledger D / B 200 provided on the financial system.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account rate, virtual account password, bank account balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid transaction number, It may include at least one or more ledger information, such as interest rate accounting, whether or not a consolidation is linked, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

3 is a diagram illustrating a virtual account opening process for establishing a virtual account in a face-to-face manner according to an exemplary embodiment of the present invention.

In more detail, in FIG. 3, in the virtual account opening system shown in FIG. 1, a predetermined customer opens a virtual account opening server through a predetermined virtual account opening interface (for example, a virtual account opening application, a window terminal, and a financial network). When the predetermined virtual account opening application information is transmitted to 100), the virtual account opening server 100 relates to a process of opening a predetermined virtual account based on the virtual account opening application information. If one of ordinary skill in the art with reference to Figure 3 and / or modified to make a specific account (eg, negative account, credit card linked account, etc.) of the customer (for example, the first customer) opening the virtual account to the parent account Various implementation methods of opening the virtual account may be inferred for opening the virtual account, but the present invention includes all the inferred implementation methods. , It is not limited to the exemplary method shown in the figure 3.

Hereinafter, in FIG. 3, the window terminal shown in FIG. 1 is referred to as a "terminal" for convenience, and the virtual account opening server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, when a first customer who wants to open at least one virtual account to be used by a second customer prepares a predetermined virtual account opening application, and submits the created virtual account opening application, the terminal opens a virtual account. The virtual account opening application information included in the virtual account opening application is provided to the server through an interface (300).

Here, the virtual account opening interface preferably comprises a virtual account opening application prepared by the first customer, a teller terminal used by the financial institution employee, and a financial network connecting the teller terminal and the server.

According to an embodiment of the present invention, the virtual account opening application information may include the virtual account opening application customer information (eg, first customer information) and mother account information (eg, negative account, credit card linked account) associated with the virtual account. Etc.), the virtual account usage customer information (eg, second customer information including wireless terminal information), the usage information for each virtual account, and the amount of charge information for each virtual account (for example, no balance or lack of balance). It is preferable to include at least one of automatically charging from the mother account, automatically charging from the mother account when the virtual account usage is exceeded.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby validating whether the virtual account according to the present invention can be opened to the first customer. Check (305).

In this case, the validity of the virtual account opening check is that the financial account corresponding to the parent account information of the specific account (eg, negative account, credit card linked account, etc.) of the first customer included in the virtual account opening application information is displayed on the financial system. It is preferable to include checking whether the ledger D / B (200) is opened as a real account.

If the validity of opening the virtual account to the customer is not authenticated through the virtual account opening application information (310), the server informs the first customer of the virtual account opening error information through the virtual account opening interface. In operation 315, the process of opening the virtual account is stopped at the request of the first customer.

On the other hand, if the validity to open the virtual account to the first customer is authenticated through the virtual account opening application information (310), the server is based on the virtual account opening application information to the virtual account to be used by the second customer The corresponding virtual account ledger information is generated (320).

Here, the virtual account ledger information includes the mother account information associated with the virtual account and at least one ledger information to be included in the account ledger provided in the ledger D / B (200) provided on the financial system. Preferably, those of ordinary skill in the art to which the present invention pertains, since it will be familiar with at least one or more ledger information to be included in the account ledger, detailed description thereof will be omitted for convenience.

Thereafter, the server is a specific account of the first customer to be associated with the virtual account opened by the first customer of at least one account ledger provided on the ledger D / B 200 on the financial system (eg, The account ledger corresponding to the negative account, the credit card linked account, etc.) is checked (325).

If the account ledger corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer to be linked with the virtual account to be opened is identified (330), the server is ledger D on the financial system. Generate (335) the virtual account ledger associated with the account ledger corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer provided on the B / 200 (200); The virtual account generated in the virtual account ledger generated by linking with the account ledger corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer in the ledger D / B 200 on the financial system. Ledger information is stored (340).

According to an embodiment of the present invention, the second customer information included in the virtual account opening application information includes second customer unique information (eg, name, parent's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.). If included, the financial institution opened the virtual account is opened to the first customer after the virtual account linked to a specific account (eg, negative account, credit card linked account, etc.) of the first customer as described above; A virtual account password for processing at least one financial transaction by visiting a financial institution's counter (or via a CD (Cash Dispenser) / ATM (Automatic Teller Machine) or at least one non-face-to-face financial transaction channel operated by the financial institution). You can request registration.

Alternatively, when the second customer unique information (eg, name, parent's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) included in the virtual account opening application information is included, the virtual account is opened. After the establishment of a virtual account linked to a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer as described above, the institution visits the financial institution window to the second customer (or the financial institution). The virtual account password registration may be requested to process at least one financial transaction (Cash Dispenser) / ATM (Automatic Teller Machine) or at least one non-face-to-face financial transaction channel that is operated by.

4 is a diagram illustrating a virtual account opening system for establishing a non-face-to-face virtual account according to another embodiment of the present invention.

In more detail, Figure 4 shows that the first customer has a specific account (eg, negative account, credit card linked account, etc.) of the first customer through a virtual account opening interface including at least one non-face-to-face financial transaction channel. When requesting the opening of a virtual account, the virtual account opening system according to the present invention relates to a system configuration for opening a virtual account using a negative account or a credit card linked account opened in the name of the first customer as a parent account, In the virtual account opening system according to the present invention, if the first customer provides the predetermined virtual account opening application information using the virtual account opening interface according to the present invention through a predetermined terminal corresponding to the non-face-to-face financial transaction channel, Virtual for opening a virtual account of the first customer name based on the virtual account opening application information It will be opened to the left and systems.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 4 to infer various implementation methods for constructing a virtual account opening system for opening a virtual account. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more designated by the first customer based on the virtual account opening application information provided from the first customer through a predetermined virtual account opening interface on the virtual account opening system shown in FIG. 4. Components corresponding to at least one or more means and / or functional configurations of opening a virtual account for use by the second customer are referred to as " virtual account opening server 400 " for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, in the virtual account opening system for opening a virtual account, when the virtual account opening system supports a non-face-to-face virtual account opening, the first customer is predetermined. And a terminal for inputting (or selecting) virtual account opening application information of the virtual account opening server 400 and transmitting the virtual account opening application information to the virtual account opening system through predetermined network means. A communication channel is connected to the provided virtual account opening server 400.

According to an embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the first customer is connected to a wired terminal and / or a wireless communication network connected to a predetermined wire network. Virtual account opening application information for accessing the virtual account opening server 400 through at least one terminal of a wireless terminal and opening the virtual account through at least one user interface provided by the virtual account opening server 400. When inputting (or selecting), it is preferable that the terminal transmits to the virtual account opening server 400 provided on the virtual account opening system through a predetermined network means.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, and a Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network. And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics (Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The terminal may output at least one user interface provided by the virtual account opening server 400, and input and / or select at least one information through the user interface to the virtual account opening server 400. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the virtual account opening server 400, etc.) for transmission is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus a detailed description thereof will be omitted for convenience.

In the virtual account opening system as described above, a terminal including at least one wired terminal and / or a wireless terminal used by the first customer, and at least one wireline connecting the terminal and the virtual account opening server 400. A network and / or a wireless network performs a function of a virtual account opening interface for the first customer to register virtual account opening application information for opening the virtual account.

According to another exemplary embodiment of the present invention, when the virtual account opening system supports the creation of a non-face-to-face virtual account, the terminal may be connected to a predetermined financial network (eg, financial joint) in addition to the wired terminal and / or the wireless terminal. And a financial automated machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network), and / or a predetermined public telephone network (public). It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, and / or connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or server) (not shown) further comprising a predetermined call terminal (not shown), and / or provided in at least one or more institutions affiliated with the financial institution. It may comprise, and to which the present invention is not limited.

In the case of supporting the establishment of a non-face-to-face virtual account as described above, when the terminal is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the The financial network connecting the virtual account opening server 400 performs the function of a virtual account opening interface for the first customer to register the virtual account opening application information for opening the virtual account, and / or the terminal In the case of a call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the virtual account opening server 400 may be used by the first customer. Performs a function of a virtual account opening interface for registering virtual account opening application information for opening a virtual account, and / or to an institution affiliated with the financial institution that is the terminal. If the terminal (and / or server) (not shown) provided, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the virtual account opening server 400 Network connecting the performs the function of the virtual account opening interface for the first customer to register the virtual account opening application information for opening the virtual account.

At the request of the first customer, a financial institution that establishes a virtual account having a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer as the parent account may have at least one financial transaction with at least one financial transaction customer. (Eg, credit, receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides a face-to-face financial transaction service for at least one financial transaction customer through the window terminal, wherein the financial transaction service comprises a financial transaction service for opening and operating the virtual account.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service includes a financial transaction service for opening and operating the virtual account. It is preferable to make it.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a Personal Computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with an internet connection and browsing function, and the financial transaction service provides financial services for opening and operating the virtual account. It is preferable to include a transaction service.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). Preferably, the financial transaction service includes a financial transaction service for opening and operating the virtual account.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provides IC chip-based non-face-to-face financial transaction service, and the financial transaction service includes a financial transaction service for opening and operating the virtual account.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide at least one financial transaction service to a non-face-to-face financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening and operating the virtual account. .

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, wherein the financial transaction service includes a financial transaction service for opening and operating the virtual account.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And a non-face-to-face financial transaction service to at least one financial transaction customer through a terrestrial DMB terminal), and the financial transaction service includes a financial transaction service for opening and operating the virtual account.

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B on a financial system storing at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The virtual account opening server 400 provided on the virtual account opening system according to the present invention is a generic term for the components of the virtual account opening system side connected to a terminal used by the first customer through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the method of the present invention, the virtual account opening server 400 is characterized by comprising an interface unit 405 for providing a predetermined virtual account opening interface to the terminal through the network means.

According to an embodiment of the present invention, when the terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 405 includes the wired network and / or wireless network. Connecting a predetermined communication channel with the terminal based on the protocol stack defined in the and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the communication program provided in the terminal It is preferable.

For example, when the terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the terminal based on the TCP / IP protocol, and the browser It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compliant web pages) and / or information using the HTPP protocol defined in the program.

Alternatively, when a predetermined virtual account opening program provided by the virtual account opening server 400 is provided in the terminal, the interface unit 405 connects a communication channel with the terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal used by the first customer includes a wireless terminal connected to a predetermined wireless network, the interface unit 405 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the terminal.

For example, when the terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 405 connects a communication channel with the terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or information using the WAP / ME protocol defined in the browser program.

Or, if the terminal is provided with a virtual account opening program provided by the virtual account opening server 400, the interface unit 405 connects the communication channel with the terminal based on the CDMA protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

Referring to FIG. 4, when the terminal used by the first customer is connected to the virtual account opening server 400 through the interface unit 405, the virtual account opening server 400 is connected to the interface unit 405. An interface providing unit 410 for generating (or extracting) a predetermined user interface for the terminal to input (or selecting) and transmitting predetermined virtual account opening application information to the terminal and providing the terminal to the terminal; An information receiving unit 415 for receiving predetermined virtual account opening request information transmitted from the terminal through the user interface in connection with 405 and the received virtual account opening request information based on the received virtual account opening request information; An information generator 420 for generating predetermined virtual account ledger information corresponding to a virtual account to be opened to a customer; and the virtual account in the ledger D / B on the financial system. And an information storage unit 425 for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the parent account.

The interface providing unit 410 is connected to the virtual account opening server 400 through the interface unit 405, the terminal used by a first customer, the virtual account corresponding to the functional configuration provided in the terminal Generate a predetermined user interface capable of inputting (or selecting) opening application information to transmit to the virtual account opening server 400 via the network means, and / or extracting from a predetermined database (not shown), and The generated (or extracted) user interface in conjunction with the interface unit 405 is provided to the terminal through the network means.

Thereafter, the terminal inputs (or selects) the virtual account opening application information based on the user interface, and inputs the input (or selection) of the virtual account opening application information through the network means. To send).

According to an embodiment of the present invention, when the terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 410 is a browser program provided in the terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the terminal through the interface unit 405.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 may provide a browser program and / or a communication program provided in the terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the terminal through the interface unit 405.

The information receiving unit 415 inputs (or selects) predetermined virtual account opening application information through the user interface through the user interface in the terminal, and transmits the information through the network means, and opens the virtual account in cooperation with the interface unit 405. Characterized by receiving the application information, and provides the received virtual account opening application information to the information generating unit 420.

According to an embodiment of the present invention, the virtual account opening application information may include the virtual account opening application customer information (eg, first customer information) and mother account information (eg, negative account, credit card linked account) associated with the virtual account. Etc.), the virtual account usage customer information (eg, second customer information including wireless terminal information), the usage information for each virtual account, and the amount of charge information for each virtual account (for example, no balance or lack of balance). It is preferable to include at least one of automatically charging from the mother account, automatically charging from the mother account when the virtual account usage is exceeded.

According to an embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received virtual account opening application information.

In this case, the validity of the virtual account opening is preferably determined to include checking whether a financial account corresponding to the mother account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system. Do.

The information generation unit 420 generates predetermined virtual account ledger information to be provided in the virtual account opened under the first customer's name based on the virtual account opening application information received through the information receiving unit 415. The virtual account ledger information is at least one or more to be provided in order to process the parent account information associated with the virtual account and to be included in the account ledger provided in the ledger D / B provided on the financial system It is preferable to include ledger information.

Those skilled in the art to which the present invention pertains, since they will be familiar with the configuration of at least one ledger information to be included in the account ledger, detailed description thereof will be omitted for convenience.

When the predetermined virtual account ledger information to be included in the virtual account is generated by the information generating unit 420, the information storage unit 425 corresponds to the mother account provided in the ledger D / B provided on the financial system. It is characterized by generating a predetermined virtual account ledger associated with the account ledger, and storing the generated virtual account ledger information in the virtual account ledger.

5 is a view showing the configuration of a virtual account ledger according to the establishment of a non-face-to-face virtual account according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates a specific account of a first customer (eg, a negative account, provided in the ledger D / B 500 on the financial system for opening the virtual account in the virtual account opening system shown in FIG. 4). The virtual account ledger is linked to the account ledger corresponding to the credit card linked account, etc.). Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Although various implementation methods may be inferred for the construction of a virtual account ledger for opening a virtual account for a second customer having a specific account (for example, a negative account, a credit card linked account, etc.) as a parent account. It includes all the implementation methods inferred and is not limited by the implementation method shown in FIG.

Referring to FIG. 5, the virtual account ledger corresponding to the virtual account opened under the first customer name for opening the virtual account is stored in a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer. It is linked to the corresponding account ledger is provided in the ledger D / B 500 on the financial system, the account corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer The ledger may be processed in association with a predetermined customer ledger corresponding to the first customer.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the first customer. , Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, in Figure 5, the account ledger corresponding to the specific account (eg, negative account, credit card linked account, etc.) of the first customer is relationally associated with the customer ledger, account number, CIF number, point number, currency, Date of opening, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, It includes account ledger information including at least one final payment amount, final withdrawal amount, number of unpaid account transactions, interest rate accounting, consolidation status, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation. Periodic receipt information including at least one or more of an account number corresponding to the account ledger, a number of waivers (months), a period (days), a period extension, an expiration date, and a target amount, and / or an account corresponding to the account ledger. Trust receipt information including at least one of a number, a deposit amount, a par value, a pension date and the number of shares, and / or an account number corresponding to the account ledger, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, It includes transaction history information including at least one or more RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the virtual account ledger is linked to the account ledger corresponding to a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer in a relational manner. The information preferably includes mother account information associated with the virtual account and at least one ledger information to be included in the account ledger provided in the ledger D / B 500 provided on the financial system.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It may include at least one ledger information such as the number of unpaid account transactions, interest rate accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

6 is a diagram illustrating a virtual account opening process for opening a non-face-to-face virtual account according to another embodiment of the present invention.

In more detail, in FIG. 6, a predetermined customer (first customer) includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the virtual account opening system shown in FIG. 4. When a predetermined virtual account opening application information is transmitted to the virtual account opening server 400 through a terminal and a network means, etc., a predetermined virtual account is based on the virtual account opening application information in the virtual account opening server 400. For the process of opening the present invention, one of ordinary skill in the art to which the present invention pertains can refer to various embodiments of opening the virtual account for opening the virtual account by referring to and / or modifying the present invention. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 6, the terminal used by the first customer illustrated in FIG. 4 is referred to as a “terminal” for convenience, and the virtual account opening server 400 is referred to as a “server” for convenience.

Referring to FIG. 6, a first customer who wants to open a virtual account for the first customer to open a virtual account having a specific account (eg, a negative account, a credit card linked account, etc.) of the first customer as the parent account Accessing the server through the network means using a terminal, and requests the server to the virtual account opening interface for opening the virtual account to the server (600), and correspondingly the server opens a virtual account for opening the virtual account The interface is extracted (or generated) and provided to the terminal (605).

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface 410 and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface. 610.

Here, the virtual account opening interface 410 inputs a predetermined terminal used by the first customer, network means for connecting the terminal and the server, and inputs predetermined virtual account opening application information in the terminal at the server. It is preferable to include a user interface for transmitting to the server.

According to an embodiment of the present invention, the virtual account opening application information may include the virtual account opening application customer information (eg, first customer information) and mother account information (eg, negative account, credit card linked account) associated with the virtual account. Etc.), the virtual account usage customer information (eg, second customer information including wireless terminal information), the usage information for each virtual account, and the amount of charge information for each virtual account (for example, no balance or lack of balance). Automatically charging from the mother account, automatically charged from the mother account when exceeding the virtual account usage, etc.) is characterized in that it comprises at least one.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information to check whether the virtual account can be opened to the customer (615). ).

Here, the virtual account opening validity check is a financial account corresponding to the parent account information (eg, a specific account (eg, negative account, credit card linked account, etc.) of the first customer) included in the virtual account opening application information is the; It is preferable to include one or more specifically checking whether the ledger D / B 500 on the financial system is opened as a real account.

If the validity of opening the virtual account to the customer is not authenticated through the virtual account opening application information (620), the server provides the virtual account opening error information to the customer through the virtual account opening interface. 625, stop opening the virtual account to the customer.

On the other hand, if the validity to open the virtual account to the customer is authenticated through the virtual account opening application information (620), the server based on the virtual account opening application information, the first corresponding to the virtual account to be opened The virtual account ledger information of the customer's name is generated (630).

Here, the virtual account ledger information includes the mother account information associated with the virtual account and at least one ledger information to be included in the account ledger provided in the ledger D / B 500 provided on the financial system. It is preferable.

Those skilled in the art to which the present invention pertains, since they will be familiar with the configuration of at least one ledger information to be included in the account ledger, detailed description thereof will be omitted for convenience.

Thereafter, the server checks the account ledger corresponding to the mother account to be associated with the virtual account to be opened among at least one account ledger provided on the ledger D / B 500 on the financial system (635).

If the account ledger corresponding to the mother account to be associated with the virtual account to be opened is confirmed (640), the server is linked with the account ledger corresponding to the mother account provided on the ledger D / B (500) on the financial system Generate the virtual account ledger to be processed (645), and the virtual account ledger information generated in the virtual account ledger generated by processing in association with the account ledger corresponding to the mother account in the ledger D / B (500) on the financial system Save (650).

7 is a diagram illustrating a virtual account operating system according to an embodiment of the present invention.

More specifically, in FIG. 7, after at least one virtual account having a negative account or a credit card linked account is opened through the virtual account opening system shown in FIG. 1 or 3, the opened at least one is opened. The virtual account operation system for operating the virtual account as described above, those skilled in the art to which the present invention belongs, the virtual account operating system according to the present invention by referring to and / or modified in this figure 7 It is possible to infer a system configuration for the present invention, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Hereinafter, a component corresponding to at least one or more means and / or functional configurations for operating a virtual account according to the present invention in connection with a predetermined financial transaction terminal on the financial system is referred to as a "virtual account operation server" for convenience.

The virtual account operating system is a wired terminal equipped with a counter terminal used by a teller at each branch of the financial institution, and / or a CD / ATM managed by the financial institution, and / or a predetermined IC card reader used by a customer. And / or a financial transaction terminal including at least one of a wireless terminal (not shown) and / or a home appliance terminal, and the financial transaction terminal are connected to a financial system of the financial institution through a predetermined communication network. Or a virtual account operation server provided on the financial system, and a ledger D / B in which ledger information corresponding to a financial account (parent account and virtual account) opened to the customer is stored.

Those skilled in the art to which the present invention pertains, the virtual bank operating server shown in Figure 7 is a predetermined online banking server that is linked to the financial system outside the financial system according to the intention of those skilled in the art ( For example, an internet banking server, a wireless banking server, a home banking server, or the like) may be clearly understood. The virtual account operating server shown in FIG. 7 is merely one means for easily explaining the technical features of the present invention. Please specify.

According to the present invention, the financial transaction terminal is a first customer who opens at least one virtual account having a specific account (eg, a negative account, a credit card linked account, etc.) as a mother account through the account opening system of FIG. 1 or 3 according to the present invention. As a terminal for transferring a predetermined amount of money from the mother account to the opened virtual account, a terminal terminal, a wired terminal equipped with a CD / ATM managed by the financial institution and a predetermined IC card reader used by the first customer (shown in FIG. O) and / or a wireless terminal (not shown) and / or a home appliance terminal (not shown).

According to an exemplary embodiment of the present invention, the financial transaction terminal may be a payment means (eg, a physical account book or an account) associated with a parent account (eg, a negative account or a credit card linked account) of the opened virtual account of the first customer. Card, etc., when a predetermined financial transaction for charging (or transferring) the opened virtual account amount is requested from the first customer, the requested financial transaction information and payment means information is transmitted to the communication network (or network means). It is characterized in that for transmitting to the virtual account operating server through.

Here, when the mother account of the opened virtual account is a negative account, the first customer is predetermined from the mother account within the minus account limit and the virtual account limit set through the virtual account opening system of FIG. 1 or FIG. Amount can be transferred to the opened virtual account.

In addition, when the mother account of the opened virtual account is an account associated with a credit card, the first customer is within the virtual account limit set through the credit card limit and the virtual account opening system of FIG. 1 or 2. A predetermined amount of money may be transferred from the parent account to the opened virtual account.

Referring to FIG. 7, the virtual account operation server may be configured to manage at least one financial transaction terminal and virtual account according to the present invention and charge (or transfer) the opened virtual account amount through a predetermined communication network (or network means). An interface unit 705 for connecting and managing a communication channel for a predetermined financial transaction, and financial transaction means information, virtual account information, and financial transaction amount connected to the mother account from the financial transaction terminal through the interface unit 705; The financial unit based on the financial transaction means information and the virtual account information included in the information receiving unit 710 for receiving a financial transaction request message including information, and the financial transaction request message received through the information receiving unit 710. In connection with the ledger D / B on the system, the ledger information corresponding to the financial transaction means information and virtual account information is extracted (or confirmed), and An information checking unit 720 for checking whether the requested financial transaction is normally performed based on the extracted ledger information, and if the check result indicates that the requested financial transaction can be normally performed, the requested financial A financial transaction processing unit 725 for processing a transaction and a financial transaction processing text including the financial transaction processing history are generated to transmit the generated financial transaction processing text to the financial transaction terminal through the interface unit 705. An information transmitter 715 is provided.

In addition, according to an embodiment of the present invention, the virtual account operation server, the amount of charge information for each virtual account included in the opened virtual account information (for example, when there is no balance or insufficient balance automatically charged from the mother account, using the virtual account Automatically checks the balance of the virtual account, and periodically checks the balance of the virtual account, and if the balance of the virtual account is insufficient or there is no balance, the predetermined amount of the virtual account limit set by the first customer. When a predetermined amount of money transfer processing is performed from the mother account to the virtual account through the virtual account manager 730 and the virtual account manager 730 to automatically transfer a predetermined amount from the mother account to the virtual account. It can be configured to further include a notification unit 735 for notifying the transfer processing details to the first customer communication means (for example, a wireless terminal, etc.). All.

The interface unit 705 performs a predetermined financial transaction for operating a virtual account and charging (or transferring) the opened virtual account according to the present invention with at least one financial transaction terminal through a predetermined communication network (or network means). It connects a predetermined communication channel for processing, and maintains and manages the communication channel.

The communication channel connected to and managed by the interface unit 705 with at least one financial transaction terminal is a communication connected between a financial system provided at the financial institution and at least one financial transaction terminal through a dedicated communication network (or the Internet). As a channel, according to an embodiment of the present invention, when the financial transaction terminal is a teller terminal or the CD / ATM, at least one financial transaction (or electronic payment) defined between the financial transaction terminal and the virtual account operation server It is preferable to include a transaction protocol for transmitting and receiving at least one telegram corresponding to the business, the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is a financial transaction (or electronic payment) of each financial institution It varies depending on the type of work and the characteristics of the platforms that make up the financial system. The present invention is not limited by the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) adopted by the specific financial system.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 710 may receive a full message including at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the financial transaction terminal through the interface unit 705. The received telegram is read based on a telegram structure, and at least one or more information corresponding to each financial transaction (or electronic payment) task is extracted from the read telegram.

According to an embodiment of the present invention, the received telegram is in addition to at least one or more information corresponding to the financial transaction (or electronic payment) business, financial transaction terminal address information and / or the financial transaction terminal corresponding to the financial transaction terminal. ID information and / or the financial transaction terminal manager (or operator) information, etc. preferably comprises at least one or more.

According to another exemplary embodiment of the present invention, the information receiver 710 may include traffic including at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task from the financial transaction terminal through the interface unit 705. Characterized in that the data is received, it is possible to extract the information of at least one director corresponding to each financial transaction (or electronic payment) business by reading the header of the traffic data, thereby the present invention is not limited .

The financial receiver information, the virtual account information, and the financial transaction amount of the information receiver 710 connected to the mother account (eg, a negative account or a credit card linked account) from a predetermined financial transaction terminal through the interface unit 705. When receiving a financial transaction request message including information, the information receiving unit 710 extracts the financial transaction means information, virtual account information and financial transaction amount information from the financial transaction request message, and the information verification unit 720. It is characterized in that to provide.

The information checking unit 720 is linked with the ledger D / B on the financial system based on the financial transaction means information and virtual account information included in the full financial transaction request received through the information receiving unit 710, And extracting (or confirming) ledger information corresponding to the financial transaction means information and the virtual account information, and confirming whether the requested financial transaction is normally performed based on the extracted (or confirmed) ledger information.

According to the implementation method of the present invention, the information verification unit 720, based on the extracted (or confirmed) ledger information, the financial transaction request amount (for example, the amount to be transferred from the mother account to the virtual account, etc.) the mother account It is characterized by checking whether the usage limit (eg, if the mother account is a negative account, minus account limit, if the mother account is a credit card linked account, credit card usage limit).

In addition, according to the method of the present invention, the information verification unit 720, based on the extracted (or confirmed) ledger information, the financial transaction request amount (for example, the amount to be transferred from the parent account to the virtual account) It is characterized by checking whether the usage of the virtual account is exceeded.

When the financial transaction unit 725 determines whether the requested financial transaction (eg, a predetermined amount transfer transaction from the mother account to the virtual account) is normally performed through the information verification unit 720, the requested transaction is performed. Characterized in processing financial transactions.

When the requested financial transaction is processed through the financial transaction unit 725, the information transmission unit 715 generates a financial transaction processing message including the transaction details of the transaction, and then, via the interface unit 705. Characterized in that the financial transaction processing full text is transmitted to the financial transaction terminal.

8 is a diagram illustrating an operation process of a financial transaction terminal when operating a virtual account according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates the opening of a virtual account using a specific account (eg, a negative account, a credit card linked account, etc.) of a first customer through the virtual account opening system of FIG. 1 or 3 according to the present invention. After the payment is made, a real bank account or a card associated with the mother account is inserted or read in the financial transaction terminal shown in FIG. 7 to transfer a predetermined amount of money from the mother account to the virtual account. As a method for initiating a predetermined financial transaction (for example, a predetermined amount transfer (charging) from the mother account to the virtual account) in the terminal, a person having ordinary knowledge in the technical field to which the present invention belongs. A financial transaction including a predetermined amount transfer (charging) from the mother account to the virtual account in the financial transaction terminal with reference to and / or modification of FIG. Would be able to infer the various exemplary method of disclosure, the present invention includes all the embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

Hereinafter, in FIG. 8, the financial transaction terminal is referred to as a "terminal" for convenience.

Referring to FIG. 8, the terminal equipped with the financial transaction (or electronic payment) function according to the present invention checks whether a predetermined customer account book (or card) is read through a predetermined reader unit (800). When a predetermined bankbook (or card) is read (805), the terminal outputs a predetermined operation mode selection interface screen, and the operation mode of the terminal is changed to the financial transaction (or electronic payment) through the operation mode selection interface screen. Verify that the mode is selected (810).

Here, the bankbook (or card) is linked to the parent account (eg, negative account, credit card linked account, etc.) of at least one or more virtual accounts opened through the virtual account opening system shown in FIG. 1 or 3 according to the present invention. It is preferable that it is a real bankbook (or card) becoming.

If the operation mode of the terminal is not selected as the financial transaction (or electronic payment) mode for a predetermined financial transaction (or electronic payment) (815), the terminal is the selected operation based on the bank account (or card) The function corresponding to the mode is performed (1420).

On the other hand, if the operation mode of the terminal is selected as the financial transaction (or electronic payment) mode for a predetermined financial transaction (or electronic payment) (815), the terminal is a validity authentication interface screen using a predetermined password (or PIN) (E.g., a screen requesting to input a predetermined password (or PIN)), and a predetermined password (or PIN) is input through the validity authentication interface screen, thereby validating the financial means (or payment means). Verify that it is authenticated (825).

If the validity of the read bank account (or card) is not authenticated (830), the terminal outputs a predetermined validation error message (835), the financial transaction (or electronic payment using the bank account (or card)) End the procedure.

On the other hand, if the validity of the read account (or card) is authenticated (830), the terminal outputs an interface screen for inputting predetermined financial transaction information to be performed in the terminal in accordance with the request of the customer (840), In operation 845, the customer checks whether information about a financial transaction to be performed in the terminal is input.

According to the implementation method of the present invention, the information input for the financial transaction is linked to the financial transaction information (eg, account transfer, credit card cash service, etc.) using the bank account (or card), and the bank account (or card). It may include a virtual account information having a parent account (for example, a negative account, a credit card linked account, etc.) and information on the amount of money to be transferred to the virtual account.

When the input of the financial transaction information is completed (850), the terminal generates a financial transaction request message including the financial transaction information (855), and the generated financial transaction through the communication network (or network means). The request message is transmitted to the virtual account management server (860).

9 is a diagram illustrating an operation process of a virtual account operating server when operating a virtual account according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates the parent account (the real bank account) included in the financial transaction request message in the ledger server 700 that receives a predetermined financial transaction request message from the financial transaction terminal through the same process as in FIG. 8. Or extract the information corresponding to the card) and the virtual account information and the requested financial transaction information (eg, transfer a predetermined amount of money from a negative account to a virtual account or transfer a credit card cash service amount to a virtual account). Verifying the ledger information associated with the parent account and the virtual account, and determining whether to process the requested financial transaction based on the confirmed ledger information, and processing the requested financial transaction according to the determination result. As for a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing Various implementation methods for processing a predetermined financial transaction associated with the raising account and the virtual account may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Hereinafter, the financial transaction terminal is referred to as a "terminal" for convenience, and the virtual account operation server is referred to as a "server" for convenience.

Referring to FIG. 9, the virtual account operation server equipped with the virtual account operation function according to the present invention periodically checks whether the full transaction request message is received from at least one terminal through the communication network (900). When the financial transaction request message is received from a predetermined terminal (905), the server reads the received financial transaction request message and the financial transaction request bankbook (or card) information included in the financial transaction request message and the financial transaction. Verifying / extracting target virtual account information, financial transaction information, and the like (910), and searching the ledger D / B based on the extracted financial transaction request bank account (or card) information and financial transaction target virtual account information; At least one ledger matched with the financial transaction request bankbook (or card) information extracted from the ledger D / B and virtual account information for financial transactions; Retrieves 915.

If the extracted financial transaction request bankbook (or card) information and at least one ledger information matching the financial transaction target virtual account information is retrieved from the ledger D / B, the server based on the ledger information It is determined whether the processed financial transaction is possible (920).

According to the implementation method of the present invention, the server, based on the extracted (or confirmed) ledger information, the financial transaction request amount (for example, the amount of money to be transferred from the mother account to the virtual account, etc.) For example, if the mother account is a negative account, the negative account limit, and if the mother account is a credit card linked account, the credit card usage limit) is checked.

In addition, according to an embodiment of the present invention, the server, based on the extracted (or confirmed) ledger information, the amount of the financial transaction request (for example, the amount to be transferred from the parent account to the virtual account) of the virtual account Check if the limit is exceeded.

If, as a result of the determination, it is possible to process the financial transaction requested from the terminal (925), the server processes the requested financial transaction (for example, if the mother account is a negative account, a predetermined amount from the negative account). If the transfer to the virtual account, or if the parent account is a credit card linked account, transfer the credit card cash service amount to the virtual account, etc.) (930), and generates financial transaction details information including the transaction details of the transaction ( 935).

In addition, the server stores and stores the generated financial transaction details in association with the ledger D / B account ledger (940), and generates a full text of the financial transaction process including the generated financial transaction details (945) In step 950, the generated financial transaction processing message is transmitted to the terminal through the communication network (or network means).

Thereafter, the terminal receives and reads the financial transaction processing telegram transmitted from the server (955) and outputs the read financial transaction processing history (960).

10 is a view showing a virtual account operating process according to another embodiment of the present invention.

More specifically, in FIG. 10, a specific account (for example, a negative account, a credit card linked account, etc.) owned by the virtual account opening request customer is used as a mother account through the virtual account opening system shown in FIG. 1 or 3. An embodiment of the present invention provides a method for automatically debiting (or charging) a predetermined amount of money to or from a virtual account according to preset virtual account amount debiting (or charging) information for at least one virtual account. Those skilled in the art may refer to and / or modify the drawing 10 to automatically transfer a predetermined amount to the virtual account according to the preset virtual account amount direct debit (or charge) information. It will be possible to infer various implementation methods for the process of filling), but the present invention encompasses all of the implementation methods inferred, as shown in FIG. It shall be limited to city ways.

Hereinafter, in this figure, the virtual account operation server is referred to as "server" for convenience.

Referring to FIG. 10, the server according to the present invention uses a virtual account opening system shown in FIG. 1 or 3 to designate a specific account (eg, a negative account, a credit card linked account, etc.) owned by the request for opening a virtual account. Checking at least one virtual account balance state to be opened periodically as a parent account (1000).

If the balance of the virtual account is insufficient or there is no balance (1005), the server receives the virtual account ledger information stored in the ledger D / B through the virtual account opening system shown in Figure 1 or 3 In operation 1010, the virtual account amount automatic debit (or charge) information associated with the virtual account is checked.

According to an exemplary embodiment of the present invention, the server may check preset debit (or charge) amount (limit) information, number of times information, etc. by checking the debit (or charge) information of the virtual account amount.

In addition, the server checks a parent account (eg, a negative account, a credit card linked account, etc.) of the virtual account to check whether the withdrawal of the confirmed direct debit (or recharge) amount is possible (1015). Since the parent account of the virtual account is a negative account, a credit card linked account, etc., the withdrawal amount is limited to the limit of the negative account or the limit of the credit card.

For example, if the amount set to be withdrawn exceeds the negative account or credit card limit, the virtual account amount direct debit (or recharge) process according to the present embodiment is terminated, or the predetermined debit (or recharge) amount ( It is desirable that only a portion of the limit) be debited (or charged).

If it is possible to withdraw the confirmed direct debit (or recharge) amount, as a result of inquiring a parent account (eg, a negative account, a credit card linked account, etc.) of the virtual account (1020), the server sends the virtual account from the mother account. The debit (or charge) amount (limit) is set in the transfer (or charge) process (1025), and the financial transaction history information including the result of the transfer process is generated (1030).

In addition, the server stores and stores the generated financial transaction processing information in association with the ledger D / B account ledger (1035), and confirms the communication means information (for example, mobile phone number, etc.) of the parent account customer ( 1040) and transmits a message including the financial transaction details to the confirmed customer communication means, and notifies the transfer processing result (1045).

According to the present invention, by assigning one or more virtual accounts to family members, checking the credit limit of the family representative to check the amount of loans (or cash services) available, and using the amount of loans (or cash services) available to the family. By charging a predetermined amount in the virtual account assigned to the family member, there is an advantage that it is possible to preempt future prospects (children, etc.).

In addition, due to the development of new services, there is an advantage that it can generate a competitive advantage and profits from the other company.

Claims (5)

Virtual account allocating means for allocating at least one virtual account having a real account opened under a specific family member name among family members as the parent account to the family member; Information checking means for checking a credit limit of a family representative among the family members to check the amount of loan (or cash service) available; And And a virtual account recharging means for charging the amount to the virtual account assigned to the family member according to the criteria set by the family representative or the approval of the family representative using the confirmed loan (or cash service) available amount. Characterized in that made, The virtual account assignment means, When assigning the virtual account to a family member, credit security virtual account operating system, characterized in that for setting up and registering a portion of the allocated virtual account as a mobile-based payment account. delete delete delete delete

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