KR101712020B1 - Apparatus and method for processing payment using virtual account - Google Patents

Abstract

Disclosed is a payment processing apparatus and method using a virtual account. A settlement processing apparatus using a virtual account according to an embodiment of the present invention includes a settlement request receiving unit for receiving a request for using a virtual account settlement service from a customer terminal, a face-to-face deposit method, A deposit method requesting unit for sending a deposit method selection request including a deposit method to the customer terminal and receiving a deposit method selected from the customer terminal, a deposit method requesting unit for determining a deposit method of the virtual account based on the selected deposit method, And a virtual account creating unit for creating a virtual account with a limited deposit method and transmitting the account number of the created virtual account to the client terminal.

Description

[0001] APPARATUS AND METHOD FOR PROCESSING PAYMENT USING VIRTUAL ACCOUNT [0002]

Embodiments of the present invention relate to a payment processing technique using a virtual account.

The virtual account settlement service is widely used because it can effectively manage the details of the deposit and withdrawal transactions as a settlement service in which settlement is completed when the customer deposits the virtual account number for a selected amount of money in the virtual account , And recent attempts to exploit a virtual account of a game or a refundable merchant have caused frequent occurrence of payment hijacking.

Most of these cases are those using personal information and financial information taken by Pharming. However, the seller who receives the settlement payment from the customer through the virtual account settlement service receives the amount deposited by the customer, the virtual account number There is a problem that it is very difficult to manage the risk in advance because it is impossible to know the customer who has deposited the money because the information about the depositor can not be received.

Korea Patent Publication No. 2015-0001004 (May 2015)

Embodiments of the present invention are intended to provide a payment processing apparatus and method using a virtual account.

A settlement processing apparatus using a virtual account according to an embodiment of the present invention includes a settlement request receiving unit for receiving a request for using a virtual account settlement service from a customer terminal, a face-to-face deposit method, A deposit method request unit for transmitting a deposit method selection request including a deposit method to the customer terminal and receiving selection information including a deposit method selected by a customer from the customer terminal, And a virtual account creation unit for creating a virtual account having a limited deposit mode by the determined deposit mode.

The virtual account creating unit may transmit the account number of the generated virtual account to the customer terminal.

Wherein the virtual account creating unit determines the deposit method of the virtual account by face-to-face deposit when the selected deposit method is a face-to-face deposit, and depositing the virtual account by face-to-face deposit and non-face deposit when the selected deposit method is non- The method can be determined.

The settlement processing apparatus using the virtual account may further include a settlement limit determining unit for determining a settlement limit based on the customer information and transmitting the determined settlement limit to the customer terminal when the selected deposit method is a non-face-to-face deposit .

The customer information may include a usage history of the virtual account settlement service.

The settlement processing apparatus using the virtual account may further include a settlement processing unit that performs settlement processing based on the selected deposit mode when the deposit is confirmed in the virtual account.

The settlement processing unit can immediately process settlement when the deposit is confirmed in the virtual account when the selected deposit method is face-to-face deposit.

The settlement processing unit may process the settlement processing after a predetermined time elapses when the selected deposit method is a non-face-to-face deposit, and the deposit is confirmed in the virtual account.

The payment completion processing unit may convert the money deposited in the virtual account into cyber money and provide the cyber money to the customer so that the payment completion processing can be performed.

The settlement processing unit may convert the amount of money deposited in the virtual account into the conversion currency which is on-line transaction limited when the selected deposit method is non-face-to-face deposit, and convert the conversion money to the cyber money after a predetermined time elapses.

The settlement processing unit may convert the money deposited in the virtual account into cyber money for a predetermined period of time when the selected deposit method is a non-face-to-face deposit.

A payment processing method using a virtual account according to an exemplary embodiment of the present invention includes receiving a virtual account settlement service use request from a customer terminal, receiving a virtual account settlement service use request, receiving a virtual account settlement service use request, The method comprising: receiving selection information including a deposit method selected by a customer from the customer terminal; determining a deposit method of a virtual account based on the selection information; And creating a virtual account having a limited deposit mode by the determined deposit mode.

The payment processing method using the virtual account may further include transmitting the account number of the generated virtual account to the client terminal.

Wherein the determining of the depositing method includes determining a deposit method of the virtual account by face-to-face deposit when the selected deposit method is a face-to-face deposit, and determining whether to transfer the virtual account by the face- You can decide how to deposit your account.

The settlement processing method using the virtual account may further include determining a settlement limit based on the customer information when the selected deposit method is a non-face deposit, and transmitting the determined settlement limit to the customer terminal.

The customer information may include a usage history of the virtual account settlement service.

The settlement processing method using the virtual account may further include a settlement completion processing based on the selected deposit method when the deposit is confirmed in the virtual account.

The payment completion process may be a payment completion process when the selected payment method is face-to-face payment, and the payment is confirmed in the virtual account.

The payment completion process may be a payment completion process after a predetermined time elapses when the selected deposit mode is a non-face-to-face deposit, and the deposit is confirmed in the virtual account.

The settlement processing step may convert the money deposited in the virtual account into cyber money and provide the converted money to the customer, thereby completing the settlement processing.

The settlement processing step may be configured to convert the money deposited in the virtual account into the conversion currency that is on-line transaction limited when the selected deposit method is non-face-to-face deposit, and convert the converted money to the cyber money after a predetermined time elapses have.

The settlement processing step may convert the money deposited in the virtual account into cyber money for a predetermined period of time if the selected deposit method is a non-face-to-face deposit.

The computer program stored in the storage medium according to an exemplary embodiment of the present invention may include a step of receiving a virtual account settlement service use request from a customer terminal in combination with hardware, The method comprising the steps of: transmitting a selection request for a deposit method including a non-face deposit method to the customer terminal; receiving selection information of the deposit method from the customer terminal; determining a deposit method of the virtual account based on the selection information; And a step of generating a virtual account having a deposit mode limited by the determined deposit mode.

According to the embodiments of the present invention, the deposit method of the virtual account is limited according to the deposit method selected by the customer, and in the case of the non-face deposit method with a high risk of the payment theft accident, the payment processing is completed after a predetermined period Thereby reducing the risk of an accident caused by a payment theft.

1 is a block diagram of a payment processing system according to an embodiment of the present invention;
2 is a block diagram of a payment processing apparatus according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a virtual account creation procedure according to an embodiment of the present invention.
4 is a flowchart showing a virtual account creation procedure according to a further embodiment of the present invention
5 is a flowchart showing a settlement processing procedure using a virtual account according to an embodiment of the present invention.
6 is a flowchart showing a settlement processing procedure using a virtual account according to another embodiment of the present invention
7 is a flowchart showing a settlement processing procedure using a virtual account according to another embodiment of the present invention

Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. The following detailed description is provided to provide a comprehensive understanding of the methods, apparatus, and / or systems described herein. However, this is merely an example and the present invention is not limited thereto.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. The following terms are defined in consideration of the functions of the present invention, and may be changed according to the intention or custom of the user, the operator, and the like. Therefore, the definition should be based on the contents throughout this specification. The terms used in the detailed description are intended only to describe embodiments of the invention and should in no way be limiting. Unless specifically stated otherwise, the singular form of a term includes plural forms of meaning. In this description, the expressions "comprising" or "comprising" are intended to indicate certain features, numbers, steps, operations, elements, parts or combinations thereof, Should not be construed to preclude the presence or possibility of other features, numbers, steps, operations, elements, portions or combinations thereof.

1 is a configuration diagram of a payment processing system according to an embodiment of the present invention.

Referring to FIG. 1, a payment processing system 100 according to an embodiment of the present invention includes a customer terminal 110, a payment server 130, a payment agency server 150, and a bank server 170.

The customer terminal 110 means various types of terminals capable of conducting a payment procedure for purchasing goods or services on-line via a wired / wireless communication network. For example, a laptop PC, a task top PC, a tablet PC, A pavlet, a smart TV, a smart phone, and the like.

For example, the customer accesses a web page providing a payment service through the customer terminal 110, or accesses a payment method, a payment amount, and the like for a product or service to be purchased using an application installed in the customer terminal 110 And the customer terminal 110 can transmit information on the payment method selected by the customer, the payment amount, and the like to the payment server 130. At this time, the payment method may include card payment, virtual account settlement service, and the like.

The payment server 130 is a device for communicating with the customer terminal 110 and the payment agent server 150 via a wired / wireless communication network and performing a payment process according to a payment request of the customer received from the customer terminal 110 .

Specifically, when the payment server 130 receives a virtual account settlement service use request from the customer terminal 110, the settlement server 130 requests the settlement agency server 150 to issue a virtual account, The account number of the account can be transmitted to the customer terminal 110.

In addition, when the payment server 130 is notified from the payment agent server 150 that the payment amount has been deposited into the virtual account, the payment server 130 processes the payment for the goods or services requested by the customer.

The settlement agency server 150 is operated by a settlement agency and performs a virtual account creation and issuance according to a contract between a bank and an operator of the settlement server 130 or a contract between a settlement agency and an operator of the settlement server 130 can do.

For example, the settlement agency server 150 issues a virtual account in response to a virtual account issuance request of the settlement server 130, and notifies the settlement server 130 of the deposit confirmation when the deposit is confirmed in the issued virtual account can do. Specifically, the settlement agency server 150 can generate a plurality of virtual accounts for the operator of the settlement server 130 in advance through the bank server 170, and receives a virtual account issuance request from the settlement server 130 , A virtual account selected from a plurality of virtual accounts generated in advance may be issued to the payment server 130. [ The settlement agency server 150 may transmit the settlement agent server 150 to the settlement server 130 when the settlement server 130 receives the settlement confirmation for the virtual account issued from the bank server 170 to the settlement server 130.

The bank server 170 may generate a virtual account at the request of the settlement agency server 150 and provide it to the settlement agency server 150. In addition, the bank server 170 may notify the settlement agency server 150 of the deposit confirmation when the deposit is confirmed in the created virtual account.

2 is a configuration diagram of a settlement processing apparatus according to an embodiment of the present invention.

2, the payment processing apparatus 200 according to an embodiment of the present invention includes a settlement request receiving unit 210, a deposit method request unit 230, a virtual account creation unit 250, a limit determination unit 270, And a payment processing unit 290.

The payment processing apparatus 200 may be implemented in a configuration included in the payment server 130 shown in FIG. 1, for example.

The settlement request receiving unit 210 receives a virtual account settlement service use request from the customer terminal 110. At this time, the virtual account means a virtual account attached to an account that actually exists in the bank.

When the virtual account settlement service use request is received from the customer terminal 110, the deposit method requesting unit 230 transmits a deposit method selection request including a face deposit method and a non-face deposit method to the customer terminal 110, From the customer terminal 110, the deposit mode selection information including the deposit mode selected by the customer.

At this time, face-to-face deposit means a method in which a customer visits a bank directly or deposits the settlement amount to a virtual account using a bank ATM machine.

Also, non-face-to-face deposit means a method of depositing a payment amount to a virtual account by using the customer terminal 110 without visiting the bank directly or using a bank ATM. For example, non-facing deposits may include depositing using services such as Internet banking, tele banking, mobile banking, and the like.

The virtual account creating unit 250 determines the depositing method of the virtual account based on the depositing method selected by the customer and creates the virtual account with the limited deposit method according to the determined depositing method.

For example, when the deposit method selected by the customer is the face-to-face deposit, the virtual account creating unit 250 determines the deposit method of the virtual account by face-to-face deposit, and when the deposit method selected by the customer is the face-to- You can decide how to deposit a virtual account with non-facing deposits.

As another example, the virtual account creator 250 can determine the depositing method of the virtual account in the same manner as the depositing method selected by the customer. Specifically, when the deposit method selected by the customer is a face-to-face deposit method, the virtual account creating unit 230 determines the deposit method of the virtual account by face-to-face deposit, and when the deposit method selected by the customer is the non- You can decide how to deposit a virtual account with non-facing deposits.

Meanwhile, when the virtual account depositing method is determined, the virtual account creating unit 250 can issue a virtual account with a limited deposit method in the depositing method determined by the settlement agency server 150 and receive a virtual account. For example, when the determined deposit method is a face-to-face deposit, the virtual account creating unit 250 can request the settlement agency server 150 to issue a virtual account with a limited deposit method by face-to-face deposit.

As another example, if the determined deposit method is a non-face-to-face deposit, the virtual account creation unit 250 may request the settlement agency server 150 to issue a virtual account with a limited deposit method by non-face-to-face deposit.

As another example, the virtual account creating unit 250 may request the settlement agency server 150 to issue a virtual account without limitation of the deposit method when the determined deposit method is face-to-face or non-face-to-face deposit.

Meanwhile, if the virtual account is issued according to the virtual account issuance request, the virtual account creating unit 250 may transmit the account number of the issued virtual account to the customer terminal 110. [

The payment limit determining unit 270 determines a payment limit based on the customer information when the payment method selected by the customer is non-face-to-face payment, and transmits the determined payment limit to the customer terminal.

At this time, the customer information may include the usage details of the virtual account settlement service. For example, when the virtual account settlement service use request of the customer who requested the virtual account settlement service is not available or is less than a certain number of times, the settlement limit determining unit 170 determines that the settlement limit amount You can decide.

When payment is confirmed in the virtual account created by the virtual account creation unit 270, the payment processing unit 290 performs payment completion processing based on the deposit method selected by the customer.

Specifically, when the deposit method selected by the customer is a face-to-face deposit, the settlement processing unit 290 can immediately perform settlement processing when the deposit is confirmed in the virtual account.

On the other hand, when the payment method selected by the customer is non-face-to-face deposit, the settlement processing unit 290 can process the settlement process after a predetermined time (for example, 24 hours) has elapsed after the payment is confirmed in the virtual account. At this time, the predetermined time may be set by the operator of the payment processing system 100.

According to one embodiment of the present invention, the payment processing unit 290 may convert the money deposited in the virtual account into cyber money, and provide the cyber money to the customer, thereby performing the payment completion process.

For example, when the payment method selected by the customer is non-face-to-face deposit, the settlement processing unit 290 converts the deposited amount into the converted money, and after the predetermined time has elapsed, transfers the converted money to the virtual money You can switch. In this case, the cyber money is a virtual money having an exchange value that can be used for a commodity (in-game item) transaction in a virtual space such as an online game, a conversion currency has the same value as cyber money, Virtual currency, which does not have value).

According to another embodiment of the present invention, when the deposit method selected by the customer is face-to-face deposit, the settlement processing unit 290 can convert the deposited amount into instantly available cyber money once the deposit is confirmed in the virtual account. On the other hand, if the payment method selected by the customer is a non-face-to-face deposit, the payment processing unit 290 converts the deposited money into cyber money for a predetermined period (for example, 24 hours) can do.

In the embodiment of the present invention, the payment processing unit 290 may convert the deposited amount into the converted money for a certain period of time or convert it to cyber money with limited use for a certain period of time, It is possible to prevent a malicious user from consuming cyber money for a certain period of time.

On the other hand, in one embodiment, each configuration shown in FIG. 2 may be implemented on a computing device that includes one or more processors and a computer readable recording medium coupled to the processors. The computer readable recording medium may be internal or external to the processor, and may be coupled to the processor by any of a variety of well known means. A processor in the computing device may cause each computing device to operate in accordance with the exemplary embodiment described herein. For example, a processor may execute instructions stored on a computer-readable recording medium, and instructions stored on the computer readable recording medium may cause a computing device to perform operations in accordance with the exemplary embodiments described herein For example.

3 is a flowchart illustrating a virtual account creation procedure according to an embodiment of the present invention. The method shown in Fig. 3 can be performed, for example, by the settlement processing apparatus 200 described above.

Referring to FIG. 3, the payment processing apparatus 200 receives a virtual account settlement service use request from the customer terminal 110 (310).

When the virtual account settlement service use request is received, the payment processing apparatus 200 transmits a deposit method selection request including the face-to-face deposit method and the non-face deposit method to the customer terminal 110 (320).

Thereafter, the payment processing apparatus 200 receives the selection information including the payment method selected by the customer from the customer terminal 110 (330).

Thereafter, the payment processing apparatus 200 determines a deposit method of the virtual account based on the received selection information (340).

For example, when the payment method selected by the customer is a face-to-face deposit, the payment processing apparatus 200 determines the deposit method of the virtual account with the face-to-face deposit, and when the payment method selected by the customer is the face- You can decide how to deposit a virtual account by face-to-face deposit.

As another example, the payment processing apparatus 200 can determine the deposit method of the virtual account in the same manner as the deposit method selected by the customer.

When the deposit method of the virtual account is determined, the payment processing device 200 creates a virtual account with the deposit method limited by the determined deposit method (350).

For example, when the determined deposit method is face-to-face deposit, the payment agent server 150 requests the virtual account issuance limited to the deposit method by face-to-face deposit, and creates a virtual account with a limited deposit method by face-to-face deposit can do.

As another example, when the determined deposit method is a non-face-to-face deposit, the payment agent server 150 requests the virtual account issuance limited by the non-face-to-face deposit to limit the deposit method, You can create an account.

As another example, when the determined deposit method is face-to-face deposit or non-face-to-face deposit, the settlement processing server 200 requests the settlement agency server 150 to issue a virtual account without limitation of the deposit method, You can create an account.

Meanwhile, when the virtual account is created, the payment processing device 200 transmits the account number of the virtual account created in the customer terminal 110 (360).

4 is a flowchart illustrating a virtual account creation procedure according to a further embodiment of the present invention. The method shown in Fig. 4 can be performed, for example, by the settlement processing apparatus 200 described above.

4, except for steps 440 to 460, are the same as those in FIG. 3, so a detailed description thereof will be omitted.

4, when the payment processing apparatus 200 receives the selection information including the payment method selected by the customer from the customer terminal 110 (430), the payment processing apparatus 200 determines whether the selected deposit method is the non-face deposit method (440).

If the selected deposit method is the non-facing deposit method, the settlement processing device 200 determines the settlement limit based on the customer information (450) and transmits the determined settlement limit to the customer terminal 110 (460). At this time, the customer information may include the usage details of the virtual account settlement service.

On the other hand, if the selected deposit method is the face-to-face deposit method, the virtual account deposit method is determined without determining a separate settlement limit (470).

5 is a flowchart illustrating a settlement processing procedure using a virtual account according to an embodiment of the present invention. The method shown in Fig. 5 can be performed, for example, by the payment processing apparatus 200 described above.

Referring to FIG. 5, when the payment is confirmed in the virtual account (510), the payment processing apparatus 200 determines whether the deposit method selected by the customer is a non-face deposit method (520).

At this time, if the payment method selected by the customer is the non-face deposit payment method, the payment processing apparatus 200 determines whether a predetermined time has elapsed after confirming the payment (step 530) .

On the other hand, if the deposit method selected by the customer is a face-to-face deposit method, the settlement processing device 200 immediately performs settlement processing after the deposit confirmation (550).

6 is a flowchart illustrating a settlement processing procedure using a virtual account according to another embodiment of the present invention. The method shown in Fig. 6 can be performed, for example, by the settlement processing apparatus 200 described above.

Referring to FIG. 6, when the payment is confirmed in the virtual account (S610), the payment processing apparatus 200 determines whether the deposit method selected by the customer is a non-face deposit (S620).

At this time, if the deposit method selected by the customer is the non-face deposit method, the payment processing device 200 converts the money deposited in the virtual account into the converted money (630).

Thereafter, the payment processing apparatus 200 determines whether a predetermined time has elapsed after switching the conversion currency (640). If the predetermined time has passed, the conversion processing unit 200 converts the conversion currency to cyber money (650).

On the other hand, if the payment method selected by the customer is a face-to-face deposit method, the payment processing device 200 immediately converts the money deposited in the virtual account into cyber money (660).

7 is a flowchart illustrating a settlement processing procedure using a virtual account according to another embodiment of the present invention. The method shown in Fig. 7 can be performed, for example, by the settlement processing apparatus 200 described above.

Referring to FIG. 7, when the payment is confirmed in the virtual account (710), the payment processing apparatus 200 determines whether the deposit method selected by the customer is the non-face deposit method (720).

At this time, if the payment method selected by the customer is the non-face deposit method, the payment processing apparatus 200 converts the money deposited in the virtual account into cyber money with limited use for a predetermined period of time (730).

On the other hand, if the payment method selected by the customer is a face-to-face payment method, the payment processing device 200 converts the money deposited in the virtual account into instantly usable cyber money (740).

In the flowcharts shown in FIGS. 3 to 7, the method is described by dividing into a plurality of steps. However, at least some of the steps may be performed in reverse order, or may be performed in combination with other steps, omitted, Or one or more steps not shown may be added.

On the other hand, an embodiment of the present invention may include a computer-readable recording medium including a program for performing the methods described herein on a computer. The computer-readable recording medium may include a program command, a local data file, a local data structure, or the like, alone or in combination. The media may be those specially designed and constructed for the present invention, or may be those that are commonly used in the field of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floppy disks, and magnetic media such as ROMs, And hardware devices specifically configured to store and execute program instructions. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, . Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by equivalents to the appended claims, as well as the appended claims.

100: Payment processing system
110: Customer terminal
130: Payment server
150: payment agency server
170: Bank server
200: Payment processing device
210: payment request receiver
230: Deposit method request part
250: virtual account creation unit
270:
290:

Claims (23)

A payment request receiving unit for receiving a virtual account settlement service use request from a customer terminal;
When the virtual account settlement service use request is received, transmits a deposit method selection request including a face-to-face deposit method and a non-face deposit method to the customer terminal, and transmits selection information including a payment method selected by the customer, A deposit method request unit receiving the deposit method;
A virtual account creation unit for determining a deposit method of a virtual account based on the selection information and creating a virtual account with a deposit method limited by the determined deposit method; And
If the payment is confirmed in the virtual account, converts the money deposited in the virtual account into cyber money and provides the cyber money to the customer terminal, if the selected payment method is face-to-face payment, And a settlement processing unit for switching to cyber money which is limited in use for a predetermined time when the deposit method is a non-face-to-face deposit,
Wherein the virtual account creating unit determines the deposit method of the virtual account by face-to-face deposit when the selected deposit method is a face-to-face deposit, and depositing the virtual account by face-to-face deposit and non-face deposit when the selected deposit method is non- A payment processing apparatus using a virtual account for determining a method. The method according to claim 1,
And the virtual account creating unit transmits the account number of the generated virtual account to the customer terminal. delete The method according to claim 1,
Further comprising a payment limit determining unit that determines a payment limit based on the customer information when the selected payment method is a non-face-to-face deposit, and transmits the determined payment limit to the customer terminal. The method of claim 4,
Wherein the customer information includes a virtual account settlement service use history. delete delete delete delete The method according to claim 1,
The settlement processing unit,
When the selected deposit method is a non-face-to-face deposit, the money deposited in the virtual account is converted into a conversion currency with a limited transaction on-line and the virtual account is converted into cyber money Payment processing device. delete Receiving a virtual account settlement service use request from a customer terminal;
Transmitting, when the virtual account settlement service use request is received, a deposit method selection request including a face deposit method and a non-face deposit method to the customer terminal;
Receiving selection information including a payment method selected by a customer from the customer terminal;
Determining a deposit method of the virtual account based on the selection information;
Creating a virtual account with a deposit method limited by the determined deposit method; And
If the payment is confirmed in the virtual account, converts the money deposited in the virtual account into cyber money and provides the cyber money to the customer terminal, if the selected payment method is face-to-face payment, And switching to cyber money limited in use for a predetermined time when the deposit method is a non-face-to-face deposit,
Wherein the determining of the depositing method includes determining a deposit method of the virtual account by face-to-face deposit when the selected deposit method is a face-to-face deposit, and determining whether to transfer the virtual account by the face- A payment processing method using a virtual account that determines the deposit method of an account. The method of claim 12,
And transmitting the account number of the generated virtual account to the customer terminal. delete The method of claim 12,
Determining a settlement limit based on customer information when the selected deposit method is non-face-to-face deposit; And
And transmitting the determined settlement limit to the customer terminal. 16. The method of claim 15,
Wherein the customer information includes a virtual account settlement service use history. delete delete delete delete The method of claim 12,
Wherein the switching comprises:
When the selected deposit method is a non-face-to-face deposit, the money deposited in the virtual account is converted into a conversion currency with a limited transaction on-line and the virtual account is converted into cyber money How to process your payment. delete Combined with hardware
Receiving a virtual account settlement service use request from a customer terminal;
Transmitting, when the virtual account settlement service use request is received, a deposit method selection request including a face deposit method and a non-face deposit method to the customer terminal;
Receiving selection information of a deposit method from the customer terminal;
Determining a deposit mode of the virtual account based on the selection information, and determining a deposit mode of the virtual account by face-to-face deposit when the selected deposit mode is a face-to-face deposit, and when the selected deposit mode is a non-face- Determining a deposit method of the virtual account by non-face-to-face deposit;
Creating a virtual account with a deposit method limited by the determined deposit method; And
If the payment is confirmed in the virtual account, converts the money deposited in the virtual account into cyber money and provides the cyber money to the customer terminal, if the selected payment method is face-to-face payment, And when the deposit mode is a non-face-to-face deposit, switching to cyber money with limited use for a predetermined period of time.

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