KR101439910B1 - Service and apparatus of social banking - Google Patents

Abstract

The present invention relates to a social financial service method and server, and more particularly, to provide a social financial service that can be assisted through various social internet actions such as uploading of contents, uploading of comments, emotion display of contents uploaded by others A method and a server.
According to an aspect of the present invention, there is provided a social financial service method comprising the steps of: (a) receiving a request for a social network financial information from a user terminal and transmitting social network financial information corresponding to the request, (B) receiving the social network financial action information for the social network financial information from the user terminal; and (c) transmitting the social network financial action information corresponding to the social network financial action information And performing contents transfer processing and contents information processing.

Description

[0001] SERVICE AND APPARATUS OF SOCIAL BANKING [0002]

The present invention relates to a social financial service method and server, and more particularly, to a social financial service method and server, and more particularly, to a social financial service method and server. To a method and server for providing a helpable social financial service.

Financial services such as general deposits and deposits have a way of opening a financial account by an individual or corporation and depositing or transferring funds to the above account either offline or online.

People use the financial services to raise money or manage it, and they use financial services to raise funds for specific purposes, such as raising their children's college tuition, housing, and infants.

In addition, there has been a recent phenomenon that donations are spreading in society, and various people transfer funds to accounts opened by individuals, corporations or organizations for donation purposes.

In the case of all-purpose fund raising or public-purpose fund raising, there is a necessity of helping not only the account establisher but also another person's money transfer, but in any case, the account number of the account opened must be known There is a problem.

In addition, in the case of help or donation through the fund transfer of a person other than the installer, the above-mentioned person often wishes to have a social (social, social) exchange with the account establisher or other persons as well as a fund transfer. For example, suppose grandparents want to leave a commemorative note when they transfer a certain amount of money to their grandchild's account for college tuition, or if they want to leave a comment with a certain amount of money transferred to the grandchild's birthday .

However, in the conventional technology, the above-mentioned social exchange should be performed separately from the fund transfer, and it is also difficult for the donation culture and the help culture to act to inform the fund transfer from the unfamiliar social culture.

Therefore, there is a need for a way to facilitate social exchanges in an easy way, such as financial services for donations, help and funding, exchange of opinions and feelings among users, and the sharing of texts or photos.

Korean Published Patent No. 2011-0136636 (December 21, 2011) Title of invention: Device and method of transfer management for bank account

SUMMARY OF THE INVENTION The present invention provides a social financial service method and a social financial server that can simultaneously perform financial services and social exchange in a simple manner in order to contribute, help and raise funds.

It is another object of the present invention to provide a social financial service method and a social financial server capable of providing a plurality of social financial services.

It is another object of the present invention to provide a social financial service method and a social finance server specialized for a specific social financial service.

Another object of the present invention is to provide a social financial service method and a social financial server capable of providing a social financial service such as money transfer to the account without knowing the account number of the account establisher for the social financial service There is.

According to an aspect of the present invention, there is provided a social financial service method comprising the steps of: (a) receiving a request for a social network financial information from a user terminal and transmitting social network financial information corresponding to the request, (B) receiving the social network financial action information for the social network financial information from the user terminal; and (c) transmitting the social network financial action information corresponding to the social network financial action information And performing contents transfer processing and contents information processing

According to an aspect of the present invention, there is provided a download server for downloading a program for implementing a social financial service method, comprising: (a) a user terminal transmits a request for a social network financial information to a social financial server, (B) transmitting the social network financial information to the user terminal through a social network financial service for performing a fund transfer process and content information processing for the social network financial information to the user terminal; And transmitting the action information.

According to an aspect of the present invention, there is provided a social-financial server, comprising: a first database storing account information corresponding to social network financial information; financial information including subscriber information of the account; A content database for storing content information corresponding to social network financial action information, a social network financial information request from a user terminal, And a server for receiving corresponding social network financial information from the ledger database and the social service database and transmitting the corresponding social network financial information to the user terminal of the user and receiving the social network financial action information for the social network financial information from the user terminal A network network interface unit and a social network financial transaction information processing unit for performing a money transfer processing and content processing corresponding to the social network financial action information, storing the result of the money transfer processing in the ledger database, and storing the contents processing result in the contents database, And a control unit.

According to the present invention, it is possible to facilitate financial services and social exchanges for donation, help, and fund raising simultaneously, thereby facilitating culture and exchange of help.

According to the present invention, a plurality of social financial services can be provided in one application, and various social financial services can be conveniently used.

In addition, according to the present invention, it is possible to provide a social financial service specialized in a specific social financial service, such as an E-Book or a blog.

According to the present invention, a social financial service such as a money transfer can be provided to the account without knowing the account number of the account establisher for the social financial service.

1 is a flowchart of a method of providing a social financial service according to the present invention.
FIG. 2 is a block diagram of a social financial server providing a social financial service according to the present invention.
3 is an embodiment of the present invention.
4 is an embodiment of the present invention.

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

It will be apparent to those of ordinary skill in the art that the description including the embodiments of the present specification has various applications. Accordingly, any embodiment described in the Detailed Description of the Invention is illustrative for a better understanding of the invention and is not intended to limit the scope of the invention to embodiments.

The functional blocks shown in the drawings and described below are merely examples of possible implementations. In other implementations, other functional blocks may be used without departing from the spirit and scope of the following detailed description. Also, although one or more functional blocks are represented as separate blocks, one or more of the functional blocks may be a combination of various hardware and software configurations that perform the same function.

In the present specification, an account does not specifically define the type of a financial institution in which the account is opened, and the account does not particularly limit the kind such as a demand deposit or a savings deposit.

In this specification, contents are not particularly limited such as a text, a comment, a photograph, a moving image, an emotional display, an emoticon, or the like.

An embodiment of the social financial service method of the present invention according to Fig. 1 will be described. 1, the method of the present invention includes the steps of (a) receiving a request for a social network financial information from a user terminal, and transmitting the social network financial information corresponding to the request to the user terminal (b) receiving, from the user terminal, the social network financial action information for the social network financial information; and (c) receiving the funds transfer processing corresponding to the social network financial action information And performing contents information processing.

An embodiment will be described in which a plurality of social financial services are provided by a user as an application with reference to FIG. 1 and FIG.

The user terminal executes the social finance program and tries to access the social finance server. Personal identification information (ID, password, and the like) for confirming the user at the time of connection of the user terminal may be transmitted together.

If the social financial server determines that the user is a suitable user for the social financial service, the information about the plurality of social financial services provided by the user is transmitted to the user terminal.

As shown in FIG. 3 (a), the information on the social financial service may be the name of the social financial service account to which the user is connected, or may be shortened information of the target information. In addition, the information on the social financial service may include a social financial service UID (Unique Identification) for distinguishing a plurality of social financial services. Accordingly, the social financial service UID may be a bank name and an account number in which the account of the social financial service is opened, and the type of the social financial service UID is not limited as long as it is possible to distinguish a plurality of social financial services from each other so that funds can be transferred.

The user terminal receives a specific social financial service selection input from the user among the information on the plurality of social financial services, and transmits a request for a social network financial information to the social financial server (S110). The request for the social network financial information is a message for requesting transmission of the social network financial information for a specific social financial service, and may include the UID of the specific social financial service.

The social finance server receiving the request for the social network financial information can confirm whether the user terminal or the user is suitable for providing a specific social financial service.

A user who is suitable for providing a specific social financial service may be a user who has received a registration permission from an account establisher of the specific social financial service in the case of a closed social financial service. If the user is a completely open social financial service, The user may be a user who is able to transfer funds regardless of the financial service account establisher's permission to join.

If it is confirmed that the user is suitable for the specific social financial service, the social finance server transmits the social network financial information for the specific social financial service to the user terminal (S120).

The social network financial information includes target information as information on an account used for providing the social financial service. The account may be established by setting a specific purpose for providing the social financial service at the time of opening, but may apply for a social financial service after opening a general withdrawal account.

Referring to FIG. 3 (b), the goal information includes the contents of specific goals such as "buying a new car", "son college tuition", "dating funds" or "helping African refugees".

The target information may include a period during which the money can be deposited in the account opened for the target, or a target amount for the target.

Also, referring to FIG. 3 (b), the social network financial information may include a current balance state of the account opened for the target, and a ratio of the current balance with respect to the target money amount. In this case, information on the ratio of transfer of funds to the social financial service account may be included in a classification display for each user.

The social network financial information may include establisher information of the social financial service account opened for the purpose, and account information of the account. In this case, the establisher information or the account information may be the actual account number and the bank name, but may be a specific UID. That is, it is possible to distinguish the account opened for the above-mentioned purpose from another account, or any information that can distinguish the installer from other installers.

In addition, the social network financial information may include action amount information. The action amount information is used to fund the social financial service account according to various actions such as uploading a new article of a user, uploading a new photograph, uploading a comment on an existing article, Means the amount of money to be transferred.

The account creator of the account opened for the goal may set the action amount information according to the target in advance, and in this case, the social network financial information may include the action amount information.

The social server receives the social network financial action information for the specific social financial service corresponding to the social network financial information transmitted to the user terminal at step S130.

The social network financial action information includes content information and user's financial information as information including a user's action on an account of the opened social financial service by specifying a goal.

The content information responds to the target by using the terminal, and the content information includes various contents such as uploading a new article, uploading a new picture, uploading a comment on an existing article, and displaying emotion for an existing article. And does not specifically limit its kind.

The content information may include multimedia information such as text, photographs, and moving pictures, or may include information on selection of emotional display such as "favorite", "cool", "celebrate", " .

In addition, the social network financial action information includes the user's financial information. The user's financial information may be the account number of the user, the bank information on which the user's account is opened, the authentication number of the user, or the Internet banking ID and password of the user.

The financial information of the user may include an electronic wallet authentication number of the user, mileage information of the user exchangeable with the real money, and the like. That is, the financial information of the user can be any information as long as it can transfer funds or real money and exchangeable electronic money from the user.

In addition, the social network financial action information may include target account financial information. The target account financial information is information on an account of a social financial service in which funds of the user are transferred according to a user's social network financial action information, and may be a real account number and an open bank name, but a specific UID (Unique ID) Lt; / RTI > That is, any information that can distinguish the account from which the money is to be transferred from another account is possible.

In addition, the social network financial action information may include action amount information. The action amount information is used to transfer funds to the target account according to various actions such as uploading a new article of the user, uploading a new photo, uploading a comment on an existing article, The amount of money to be paid.

The user can set the action amount in advance differently according to various goals, and may set the action amount differently according to the type of the action. When the user sets the action amount in advance, the action information may be stored in the user terminal and transmitted in the social network financial action information. Alternatively, when the action amount is set in advance, the action amount information is stored in the social financial server, and upon receiving the social network financial action information, the action amount information stored in the social financial server may be searched and the money transfer may be processed accordingly.

In addition, the action amount information may arbitrarily set the action amount by the user at the time of transmitting the social network financial action information.

Referring to FIG. 3C, the social financial server stores content information included in the social network financial action information in the content DB of the specific social financial service corresponding to the social network financial action information received from the user terminal, The contents of the social financial service are updated (S140).

In addition, the social finance server transfers money corresponding to the social network financial action information from the user's financial account to the account of the social financial service (S140).

The money transferred may be in accordance with the action amount information previously changed by the establisher of the social financial service or the bank in which the account is opened. If the installer does not change the money in advance, the action money amount information included in the social network financial action information .

If the establisher of the social financial service has previously set the action amount information and receives the social network financial action information including the other action amount information from the user, It can be processed on the basis of either one. Alternatively, if the policy maker of the social financial service changes the action amount information in advance, the user may be prevented from changing the financial action information.

Referring to FIG. 3 (d), the social server transmits the result of the money transfer and the content information corresponding to the social network financial action information to the user terminal that transmitted the social network financial action information or the social network financial information creator (S150).

1 and 4, a description will be given of an embodiment in which a user is provided with one social financial service as one application.

The application may be an application designed to receive only the specific social financial service, or may be an application designed to be used only by a user permitted by the specific social financial service account establisher.

Referring to FIG. 4A, when the application 410 prepared to receive only the specific social financial service is executed in the user terminal, the user terminal attempts to access the social financial server, (Social Network) financial information request (S110).

The Social Network financial information request is a message for requesting transmission of social network financial information for a specific social financial service, and includes a personal identification information for identifying the user, a UID of the application, UID may be included.

If it is determined that the application is a user or an application suitable for the social financial service, the social financial server transmits the social network financial information for the specific social financial service provided by the application to the user terminal (S120).

The social network financial information includes target information as information on an opened account by specifying a goal, and referring to FIG. 4 (b), the target information includes the contents of a specific goal such as " date money ".

The social network financial information when one user is provided with one social financial service as one application is a social network financial information when one user provides a plurality of social financial services as one application, It is not much different from the information.

However, since the application is designed to receive only a specific social financial service, it may further include information specific to the service. For example, a case where a particular person A opens an account for a social financial service for the purpose of making a money for a date, and allows only a specific person B to join. In this case, referring to FIG. 4 (b), the number of flowers or the number of flowers may be expressed differently according to the amount of the balance of the account, thereby increasing the utilization rate of the user.

The social server receives the social network financial action information for the specific social financial service corresponding to the social network financial information transmitted to the user terminal at step S130. The social network financial action information may also include content information specialized for the social financial service, though it is not so different from the social network financial information when a user is provided with a plurality of social financial services as one application.

Referring to FIG. 4C, the social financial server stores contents information included in the social network financial action information in the content DB of the specific social financial service corresponding to the social network financial action information received from the user terminal, The contents of the social financial service are updated (S140).

In addition, the social finance server transfers money corresponding to the social network financial action information from the user's financial account to the account of the social financial service (S140).

Referring to FIG. 4 (d), the social server may transmit the result of the money transfer and the content information corresponding to the social network financial action information to the user terminal that has transmitted the social network financial action information (S150).

Referring to FIG. 4 (e), the social server can transmit the result of the money transfer and the content information processing corresponding to the social network financial action information to another user terminal provided with the social financial service (S150).

Thus, there is an effect of promoting friendship and social interaction among users of social financial services established for a specific purpose.

In addition, at the time when the social financial service is terminated, contents of the social financial service are produced as an album or an e-book to be provided to users, thereby further promoting social and social interaction among users of social financial services There is an effect that can be made.

An embodiment of a social finance server for providing a social financial service of the present invention will be described with reference to FIG. 2, the present social financial server includes a ledger database 230, a social service database 240, a content database 250, a social network financial interface unit 210, and a social network financial control unit 220.

The ledger database 230 stores account information corresponding to social network financial information and subscriber information of the account, and stores account information and user information of social financial service users corresponding to the social network financial information. Can be stored. Also, the ledger database stores the result of the fund transfer processing corresponding to the social network financial action information.

The social service database 240 stores information on a social financial service corresponding to the social network financial information. For example, it may include general information necessary for providing a social financial service, such as a target content and operation period of the social financial service, and a list of users.

The content database 250 stores contents information corresponding to social network financial action information and stores contents information included in the social network financial action information newly received from the user terminal in the social financial service Connect and save.

The social network financial interface unit 210 receives a request for a social network financial information from a user terminal and searches for the social network financial information corresponding to the request in the ledger database and the social service database and transmits the same to the user's terminal . The social network financial information may include a current balance state of the social financial service account, a target content, and the like.

In addition, the social network financial interface unit 210 receives the social network financial action information on the social network financial information from the user terminal, and processes the received financial social action information through the social network financial control unit.

The social network financial interface unit 210 transmits the result of the money transfer processing and the content information processing of the social network financial control unit to at least one of the user terminal, the terminal of the social network financial information provider, .

The social network financial control unit 220 performs the money transfer processing and the content processing corresponding to the social network financial action information, stores the fund transfer processing result in the ledger database, and stores the content processing result in the content database .

The specific terminology used in the illustrated embodiments is not intended to limit the invention in order to facilitate understanding of the present invention. The present invention may include all components and equivalents of all components that are of ordinary skill in the art.

210: Social network financial interface part
220: Social Network Financial Control
230: ledger database
240: Social service database
250: Content data base
410: Social Financial Services Application

Claims (15)

(a) receiving a request for a social network financial information from a user terminal, and transmitting the social network financial information corresponding to the request to the user terminal;
(b) receiving the social network financial action information for the social network financial information from the user terminal;
(c) performing the money transfer processing and the contents information processing corresponding to the social network financial action information by the social finance server;
(d) transmitting the result of the money transfer processing and the content information processing to the terminal of the user terminal or the social network financial information establisher; And
(e) transmitting the result of the money transfer processing and the content processing to terminals of users connected to the social network financial information;
Including the
Wherein the social network financial action information includes content information, user financial information, and action amount information, wherein the content information is content generated according to a user's social network financial action information, The information on the amount of money to be transferred to the account
delete delete delete delete delete delete delete A ledger database for storing financial information including account information corresponding to social network financial information and subscriber information of the account;
A social service database for storing information on a social financial service corresponding to the social network financial information;
A content database for storing contents information corresponding to social network financial action information;
Receiving a request for a social network financial information from a user terminal, searching for the social network financial information corresponding to the request in the ledger database and the social service database, and transmitting the retrieved social network financial information to the user terminal of the user, A social network financial interface unit for receiving the social network financial action information; And
A social network financial control unit for performing a money transfer process and a content process corresponding to the social network financial action information, storing the result of the fund transfer process in the ledger database, and storing the content processing result in the content database;
Lt; / RTI >
Wherein the social network financial interface unit transmits the result of the money transfer processing and the content information processing of the social network financial control unit to the terminal of the user terminal or the social network financial information establisher,
Transmitting a result of the money transfer processing and the content information processing of the social network financial control unit to terminals of users connected to the social network financial information,
Wherein the social network financial action information includes content information, user financial information, and action amount information, wherein the content information is content generated according to a user's social network financial action information, The information on the amount of money to be transferred to the account,
delete delete delete delete delete delete

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