KR101729162B1 - Apparatus, method and computer program for managing advanced payment based on financial open platform - Google Patents

Apparatus, method and computer program for managing advanced payment based on financial open platform Download PDF

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KR101729162B1
KR101729162B1 KR1020150172220A KR20150172220A KR101729162B1 KR 101729162 B1 KR101729162 B1 KR 101729162B1 KR 1020150172220 A KR1020150172220 A KR 1020150172220A KR 20150172220 A KR20150172220 A KR 20150172220A KR 101729162 B1 KR101729162 B1 KR 101729162B1
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account
user
prepaid
prepaid account
request
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KR1020150172220A
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Korean (ko)
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손병환
김봉규
배청원
이학진
석창규
윤완수
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농협은행(주)
농업협동조합중앙회
웹케시 주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices

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  • Engineering & Computer Science (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The prepaid management apparatus includes: a fintech service server configured to provide a user with an advance payment based financial service; And a financial institution server configured to manage prepaid accounts of each of the FinTech service provider and the user. The FinTech service server is configured to transmit an open API (Application Programming Interface) -based request for financing processing associated with prepayment to the financial institution server. The financial institution server is configured to execute a financial transaction using the prepaid account of each of the PINTECH service provider and the user in response to the open API based request received from the PINTECH service server. According to the prepaid settlement management apparatus, the prepaid settlement means is issued from the financial open platform operated and managed by the financial institution, and the prepaid settlement means is provided to the PingTech service provider. There is an advantage to be able to manage and operate from the institution.

Description

[0001] APPARATUS, METHOD AND COMPUTER PROGRAM FOR MANAGING ADVANCED PAYMENT BASED ON FINANCIAL OPEN PLATFORM [0002]

Embodiments relate to prepayment management devices, methods, and computer programs. More specifically, the present invention relates to a prepaid management apparatus, a method, and a computer program. More particularly, Lt; / RTI >

Fintech is a combination of financial and technical means finance. It is based on information technology (IT) such as mobile payment and remittance, personal wealth management, and cloud funding. It refers to a new form of financial technology. Recently, as the technology related to mobile devices such as smartphones has been rapidly developed, conventional financial services have focused on product development, launch and operation by financial institutions such as banks. However, As a provider of pin-tec services, the company is providing pin-tech services tailored to the user's convenience and demand through smartphone applications and Internet web services.

However, until now, the PINTECH service has merely expanded the conventional Internet banking service to mobile transactions, so that the provider providing the PINTECH service obtains the necessary data from the financial institution in real time and services the user It is not easy.

On the other hand, the payment instrument is divided into prepayment, debit and postpay depending on the method of payment from the consumer point of view. The prepayment means includes a transportation card and an electronic voucher, and the debit payment means includes a check card, , And postpayment means include credit card and micropayment of mobile phone (communication charge). In recent years, various payment payment methods have come to be known as a pin tech service called so-called simple payment. Of these, the prepayment method is operated in such a way that the customer fills the monetary value with the account assigned by the payment provider and pays the merchandise at the merchant's account in return for the commodity price or service. Therefore, the payment service provider should provide procedures and methods to transfer (ie, charge) the monetary value so that the customer can use the prepayment method, such as the current transportation card, There may be a way to withdraw money from the customer's bank account and charge it.

The payment provider will want to provide a method of withdrawing and charging the customer's bank account for convenience of use. However, this method requires business alliance between the settlement company and the bank and connection with the bank system. Since the settlement company stores and manages the account information of the customer, there is a risk to the customer's financial information protection, There is a risk to the fund operation because the payment provider is managing and operating the funds that are withdrawn and charged. For example, customers may suffer damages such as embezzlement, bankruptcy, accounting fraud, etc. of the settlement company. As for the bank, the problem has been neglected in response to the prepayment service, and thus various innovative and innovative payment terminal technology services have not been available.

Japanese Patent Application Laid-Open No. 10-2014-0115861

According to an aspect of the present invention, a prepaid payment means is issued to a fintech service provider in a financial open platform operated and managed by a financial institution, and the funds of the prepaid payment means are transferred to a financial open platform A prepayment management apparatus and method configured to manage and operate the financial institution through a financial institution, and a computer program therefor.

The prepaid management apparatus according to an exemplary embodiment of the present invention includes a fintech service server configured to provide a user with a prepaid financial service; And a financial institution server configured to manage prepaid accounts of each of the FinTech service provider and the user. The FinTech service server is configured to transmit an open API (Application Programming Interface) -based request for financing processing associated with prepayment to the financial institution server. The financial institution server is configured to execute a financial transaction using the prepaid account of each of the PINTECH service provider and the user in response to the open API based request received from the PINTECH service server.

 In one embodiment, the financial institution server is further configured to receive a deposit request for the user's prepaid account from a user device and to execute a transfer of funds to the user's prepaid account.

In one embodiment, the FinTech service server is further configured to request a payment of funds based on the prepaid account of the user to the financial institution server, wherein the financial institution server receives, from the prepaid account of the user, And register the funding history to the prepaid account in the financial institution server.

In one embodiment, the financial institution server is further configured to execute a transfer of money from the prepaid account of the FinTech service provider to the parent account of the FinTech service provider, based on the funding history.

In one embodiment, the financial institution server is further configured to check whether the total amount of funds paid out of the prepaid account of the user at the time of transfer of funds is equal to the money transferred to the parent account of the FinTech service provider.

In one embodiment, the FinTech service server does not store the user's account information.

The financial institution server for prepaid payment management according to an exemplary embodiment includes an API operating unit configured to receive an open API-based request for financial processing associated with prepayment from one or more PINTECH service servers or user devices; And managing the prepaid account of each of the PIN-TEC service providers and users, and in response to the open API-based request, executing the financial transaction associated with the prepayment using the prepaid account of the PIN-TEC service provider and the user respectively And a prepaid account management unit configured to manage the prepaid account.

The financial institution server for prepaid settlement management according to an exemplary embodiment of the present invention may further include a financial institution server for prepaid settlement management in accordance with a financial transaction executed by the prepaid account management unit, And an account management unit configured to execute a transfer of funds between the accounts.

In one embodiment, the account management unit is further configured to receive a deposit request for the prepaid account of the user from the user device, and to deliver the advertisement corresponding to the deposit request to the prepaid account management unit. The prepaid account manager is further configured to execute a transfer of funds to the prepaid account of the user in response to the received specialization.

In one embodiment, the API operating unit is further configured to receive a payment request based on the user's prepaid account from the FinTech service server. In addition, the prepaid account management unit is further configured to register a payment history from the user's prepaid account to the prepayment account of the PingTech service provider in response to the request for payment of the funds.

In one embodiment, the account management unit is further configured to execute a transfer of money from the prepayment account of the FinTech service provider to the parent account of the FinTech service provider based on the financing history.

In one embodiment, the account management unit is further configured to check whether the total amount of funds paid out of the prepaid account of the user at the time of transfer of the funds matches the amount of money transferred to the parent account of the FinTech service provider.

The prepaid payment management method according to an embodiment is a method in which a financial institution server receives an open API-based request for financial processing associated with prepayment from a PINTECH service server or a user apparatus configured to provide a user with an advance payment based financial service ; And the financial institution server performing the financial transaction using the prepaid account of each of the PINTECH service provider and the user in response to the received open API based request.

The prepaid management method according to an exemplary embodiment of the present invention includes the steps of the financial institution server receiving a deposit request for a prepaid account of the user from a user apparatus; And the financial institution server executing the transfer of money to the prepaid account of the user in response to the received deposit request.

In one embodiment, receiving the open API-based request comprises receiving a payment request based on the user's prepaid account. Also, the step of executing the financing process may include registering, in the financial institution server, a payment history of the user from the prepayment account to the prepayment account of the FinTech service provider.

In one embodiment, the step of executing the financial processing includes a step of performing a transfer of money from the PIN-TECH service provider's prepaid account to the parent account of the PIN-TECH service provider based on the fund-payment history .

In one embodiment, the step of transferring funds from the prepayment account of the PingTech service provider to the parent account of the PingTech service provider comprises: transferring the total amount of money paid out from the prepaid account of the user to the parent account of the PingTech service provider And confirming whether or not the funds transferred to the parent account coincide with each other.

A computer program in accordance with one embodiment is for execution of the prepaid management method described above in combination with hardware, and may be stored in a computer-readable medium.

According to the financial open platform-based prepaid management apparatus and method according to an aspect of the present invention, a prepaid payment means is issued in a financial open platform operated and managed by a financial institution, , And the funds of the prepayment means can be managed and operated by the financial institution through the financial open platform. As a result, financial institutions can avoid various risks arising from the management and operation of customer account information and charge funds by FinTech service providers. Therefore, the so-called simple settlement partnership business between financial institutions and FinTech service providers Can be easily achieved. In addition, from the viewpoint of the PINTECH service provider, it is possible to concentrate on the PINTECH service itself by delegating the business risk of the customer's information protection and the fund management to the financial institution having the credibility, and it is advantageous to enter the market with various innovative services .

FIG. 1 is a block diagram showing a schematic configuration of a prepaid settlement management apparatus based on a financial open platform according to an embodiment.
FIG. 2 is a flowchart illustrating a process of issuing and charging a prepaid account in the prepaid management method according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating a prepayment account settlement and settlement process in the prepaid settlement management method according to an exemplary embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 1 is a block diagram showing a schematic configuration of a prepaid settlement management apparatus based on a financial open platform according to an embodiment.

Referring to FIG. 1, the prepaid management apparatus according to the embodiment includes a FinTech service server 3 and a financial institution server 4. The PINTECH service server 3 is configured to provide a PINTECH service to one or more users based on a financial open platform provided by the financial institution server 4. [ The user can utilize the prepayment service provided by the pin tech service server 3 by using the user device 1. [ Here, PinTech is a compound word of finance and technique, which means finance. It is a combination of financial technology based on information technology such as mobile payment and remittance, personal wealth management, and cloud funding. it means.

The prepaid management device according to embodiments may be entirely hardware, or may have aspects that are partially hardware and partly software. For example, the PINTECH service server 3, the financial institution server 4, and each unit included therein constitute a prepayment management apparatus includes an apparatus for exchanging data of a specific format and contents by an electronic communication system, The related software can be collectively referred to. The terms "part", "module", "server", "system", "platform", "device", or "terminal" in this specification refer to a combination of hardware and software . For example, the hardware may be a data processing device comprising a CPU or other processor. Also, the software driven by the hardware may refer to a running process, an object, an executable, a thread of execution, a program, and the like.

The one or more user devices 1, the pin tech service server 3 and the financial institution server 4 may be communicatively connected to each other via the wired and / or wireless network 2. [ The method of communication via the wired and / or wireless network 2 may include any communication method by which objects and objects may be networked and is not limited to wired communication, wireless communication, 3G, 4G, or otherwise .

The PINTECH service server 3 is configured to perform a financial transaction for a prepaid payment account (also referred to as a prepaid account) managed by the financial institution server 4 based on an open API (Application Programming Interface) . Herein, the prepaid account refers to a prepayment means by which a user can charge money and can carry out settlement and remittance using the balance, Quot;). Financial transactions related to prepayment may include, but are not limited to, issuance and retrieval of prepaid accounts, settlement and remittance based on prepaid accounts, and settlement of prepaid accounts. In addition, the open API refers to a tool capable of providing financial processing result and user interface through communication with the financial institution server 4 through a predetermined contract word and then developing the application program and the service directly, Representative State Transfer), SOAP (Simple Object Access Protocol), RSS / ATOM, and Resource Description Framework (RDF).

The user device 1 may include an input device for inputting data, an output device for outputting the process result, and a computing device for computing and processing the input data through the input device and generating the processing result. The user device 1 generates and outputs the processing result based on the input data, thereby providing the user with a pin tech service. The user device 1 may be a mobile computing device such as a smartphone, a personal computer, a notebook, a netbook, a tablet PC, a PDA (Personal Digital Assistant), or the like, but is not limited thereto.

The user can use the prepayment service provided by the pin tech service server 3 using the user device 1. [ The provision of the prepaid settlement service in this specification means that a request for payment processing of the prepayment method is transmitted from the user device 1 to the financial open platform of the financial institution server 4 via the pin tech service server 3 It can mean something. For example, the PINTECH service server 3 may at least partially relay the communication between the financial institution server 4 and an application (or an app, which is executed for the prepaid service on the user device 1) . Alternatively, provision of the prepaid settlement service in this specification may refer to only an application (or an app) that can be communicated with the financial institution server 4 for the user prepaid settlement service, provided by the PIN tech service provider. In this case The communication for the prepayment processing may be made directly between the user device 1 and the financial institution server 4.

For example, the user device 1 can utilize online shopping by accessing a PINTECH service server 3 or a shopping mall server associated with a PINTECH service provider. When the user wants to pay the purchase price using the prepayment means provided by the PingTech service provider after purchasing the goods, a request is directly received from the user device 1 to the PingTech service server 3, A payment request may be transmitted to the PINTECH service server 3 by calling a payment module linking the shopping mall server and the PINTECH service provider. The PINTECH service server 3 calls the financial institution server 4 through the open API provided by the financial institution server 4 and issues a prepaid account managed by the financial institution server 4 via the open API Inquiries, payments and remittances based on prepaid accounts, and settlement of prepaid accounts.

In the embodiments of the present invention, the PINTECH service server 3 does not need to have the account information of the user, and provides the prepaid service using only the information of the prepaid account. The management of the parent of the user and the interworking between the prepaid account and the parent account are performed in the financial institution server 4. Accordingly, it is possible to prevent the risk of financial information protection from being generated while the PINTECH service provider stores and manages the account information of the user, and furthermore, The risk of financial operation can be prevented from occurring.

For convenience of description, the PINTECH service server 3 is shown as one server, but there are a plurality of servers operated by one PINTECH service provider, or one financial institution server 4 It will be readily appreciated that there may be a plurality of different FinTech service provider servers operating in conjunction.

The financial institution server 4 receives an open API-based request for financing related to prepayment from the PIN device service server 3 or the user device 1 on which the application provided by the PINTECH service provider is executed . In addition, the financial institution server 4 is configured to perform financing processing corresponding to the request details using the prepaid account of each of the FinTech service provider and the user in response to the received request. Financial transactions may include, but are not limited to, issuance and retrieval of prepaid accounts, deposits to prepaid accounts, settlement and remittance using prepaid accounts, and settlement of prepaid accounts. That is, the financial institution server 4 directly manages the user's charging price and payment amount with respect to the prepayment means associated with the service provided by the PingTech service provider, and provides the API related to the prepayment means to the PingTech service provider Which is a financial open platform.

In one embodiment, the financial institution server 4 includes an API operating unit 41 and a prepaid account managing unit 42. [ In addition, in one embodiment, the financial institution server 4 further includes an account management unit 43. [ The API operating unit 41 receives an open API-based request for financial processing associated with prepayment from the PIN device service server 3 or the user device 1 on which the application provided by the PIN tech service provider is executed, And provides the result of calling the API to the pin tech service server 3 or the user device 1. The prepaid account management unit 42 and the account management unit 43 are a part for performing various financial transactions based on the prepaid account of the PIN tech service provider and the user in response to the open API based request, And the account management unit 43 will be described later in detail with reference to FIG. 2 and FIG.

Each of the parts 41-43 constituting the financial institution server 4 in this specification is not necessarily intended to refer to a separate component that is physically distinct. 1, the API operating unit 41, the prepaid account managing unit 42, and the account managing unit 43 are shown as separate blocks separated from each other, It is only functionally separated by the action being performed. Depending on the embodiment, some or all of the parts described above may be integrated into one and the same device, or one or more parts may be implemented as separate devices physically separated from one another. For example, the API operating unit 41, the prepaid account managing unit 42, and the account managing unit 43 may be components communicably connected to each other under a distributed computing environment.

FIG. 2 is a flowchart illustrating a process of issuing and charging a prepaid account in the prepaid management method according to an exemplary embodiment of the present invention.

Referring to FIG. 2, the FinTech service server 3 may request the financial institution server 4 to issue a user's prepaid account (S21). All the communication related to the prepaid account including the request for issuing the prepaid account can be made through the open API provided by the financial institution server 4 and the request based on the open API is transmitted from the API operating unit 41 of the financial institution server 4 And may be transmitted to the prepaid account management unit 42 and / or the account management unit 43 once received.

In the embodiment of FIG. 2, a prepaid account issuance request is shown to be transferred from the FinTech service server 3 to the financial institution server 4. In another embodiment, however, a pre-paid account issue may be requested from the user equipment 1 on which the application provided by the FinTech service provider is executed to the financial institution server 4 directly.

The prepaid account management unit 42 of the financial institution server 4 receives the prepaid account issuance request and generates a prepaid account of the user in response thereto (S22). Next, the prepaid account management unit 42 notifies the PIN tech service server 3 of the prepaid account of the user (S23), and the PIN tech service server 3 can notify the user apparatus 1 thereof again ( S24). However, similar to the foregoing, in other embodiments, the prepaid account manager 42 may notify the prepaid account directly to the user device 1 on which the application provided by the PingTech service provider is executed.

When the user requests the deposit for the prepaid account, the deposit request may be received from the user device 1 to the account management unit 43 of the financial institution server 4 (S25). The account management unit 43 determines whether the deposit account number is the actual account number or the prepaid account number. If the deposit account is a prepaid account, the account management unit 43 transmits the deposit related message to the prepaid account management unit 42 (S26). The transmitted text may include a deposit bank code, a deposit account number, a withdrawal bank code and withdrawal account number in case of a transfer transaction, a transaction amount, and the like. In addition, if necessary, the proposal may further include, but is not limited to, an open check amount and fee information, a clearing house code, a counter currency, a media classification such as CD or ATM, a reason for canceling, a KFTC management number, .

The prepaid account management unit 42 performs a financing process for the prepaid account in response to the specialization (S27). For example, if funds are deposited through the account management unit 43 or the money is transferred from a designated withdrawal account, the prepaid account management unit 42 may increase the balance of the prepaid account by the amount of funds deposited or transferred. That is, the user can charge his or her prepaid account through the above process, and the charged balance can be used as a payment means in a settlement process or a remittance process described later.

In one embodiment, the financial institution server 4 receives the lookup request for the prepaid account from the user device 1 or the pin tech service server 3, and provides the inquiry result for the prepaid account in response to the received request You may. The inquiry request and the inquiry result may be provided through the open API provided by the financial open platform of the financial institution server 4. For example, the financial institution server 4 uses the open API to display an open API-based inquiry including the date of transaction, the party transaction and the other transaction, and the media classification (for example, whole transaction, counter transaction, CD transaction, And may provide information such as the number of deposits, the amount deposited, the number of cancellations, the amount of cancellation, etc. as a result of inquiry, but the present invention is not limited thereto.

3 is a flowchart illustrating a prepayment account settlement and settlement process in the prepaid settlement management method according to an exemplary embodiment.

 3, the PINTECH service server 3 receives a payment request using the prepaid account from the user device 1 (S31) and transmits a payment request corresponding to the received payment request to the financial institution server 4 (S32). However, in another embodiment, a payment request may be sent from the user device 1 on which the application provided by the FinTech service provider is executed to the financial institution server 4 directly. The settlement request using the prepaid account can also be made through the open API provided by the financial institution server 4 and the financial institution server 4 can use the open API operation section 41) may receive an open API-based request and then forward it to another department.

In the prepaid account management unit 42 of the financial institution server 4, the payment history corresponding to the payment amount can be registered in the prepaid account management unit 42 (S33). Here, the registration of the payment details means that the processing corresponding to the payment amount is transferred from the balance of the user's prepaid account to the prepaid account of the PINTECH service provider. In addition, the prepaid account management section 42 may notify the payment history to the user device 1 and / or the PINTECH service server 3. Because prepaid accounts are not actual accounts, even if you register your payment history, it does not mean that cash is transferred to your PINech service provider's account. Payment to the parent account of the PingTech service provider must be made separately, for example, after a predetermined number of days from the registration of the payment details, or according to a predetermined period. The settlement cycle may vary for each operator, so funds may be left in the prepaid account of the operator for a certain period of time.

Describing the settlement process, the FinTech service provider can request settlement to the financial institution server 4 through the FinTech service server 3 (S34). The prepaid account management unit 42 of the financial institution server 4 transmits a settlement request for the prepaid account to the account management unit 43 at step S35. At this time, the information transmitted to the account management unit 43 includes, The deposit bank code corresponding to the deposit account, the deposit account, the deposit amount, the passbook factor content, and the like, but is not limited thereto.

The account management unit 43 can transfer the funds to the parent account of the FinTech service provider based on the information transmitted from the prepaid account management unit 42 (S36). In one embodiment, when transferring money by the account management unit 43, the prepaid account management unit 42 transmits the funds transferred from the pre-paid account of the users related to the corresponding PIN tech service provider to the parent account of the PIN tech service provider Or < / RTI >

The prepaid management apparatus and method according to the embodiments described above can be at least partially implemented in a computer program and recorded in a computer-readable recording medium. In the recording medium according to the embodiments, a program for implementing a prepaid payment management method is recorded, and the recording medium includes any kind of recording device capable of storing data that can be read by a computer. For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and also includes a carrier wave (for example, And the like. The computer readable recording medium may also be distributed over a networked computer system so that computer readable code is stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which this embodiment belongs.

While the invention has been shown and described with reference to certain embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. However, it should be understood that such modifications are within the technical scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (18)

A pin tech service server configured to provide a prepayment-based financial service to a user; And
A financial institution server configured to manage a prepaid account of each of the PINTECH service provider and the user,
The FinTech service server transmits a user's prepaid account issuance request to the financial institution server, receives the prepaid account information of the user from the financial institution server, and transmits an open API (Application Programming Interface ) -Based request to the financial institution server,
Wherein the financial institution server receives the prepaid account issuance request from the PINTECH service server, generates a prepaid account associated with the parent account of the user in response to the prepaid account issuance request, And transmits the open API based request received from the FinTech service server to the FinTech service server. In response to the open API based request received from the FinTech service server, the FinTech service provider and the user use the pre- To execute the transfer of funds from the prepaid account of the FinTech service provider to the parent account of the FinTech service provider,
The PINTECH service server does not store the parent's account information of the user,
The open API-based request includes a payment request based on the prepaid account of the user, which is generated using the prepaid account information of the user,
Wherein the financial institution server registers in the financial institution server a payment history from the user's prepaid account to the prepayment account of the FinTech service provider in response to a payment request based on the prepaid account of the user, The PIN transfer service provider executes a transfer of funds from the prepaid account of the PINTECH service provider to the parent account of the PINTECH service provider based on the payment history of the PINTECH service provider based on the total amount of funds paid from the prepaid account of the user at the transfer of the funds, Further comprising determining whether funds transferred to the carrier's parent account match.
The method according to claim 1,
Wherein the financial institution server is further configured to receive a deposit request for the user's prepaid account from a user device and to execute a funds transfer to the user's prepaid account.
delete delete delete delete Wherein the open API based request is configured to receive an open API (Application Programming Interface) based request for financial processing associated with prepayment from a FinTech service server that does not store the parent's account information of the user, An API operating unit generated using the account information, and including a payment request based on the prepaid account of the user;
Managing prepaid accounts of each of the PIN-TEK service providers and users, and in response to the open API-based requests, executing the financial transactions associated with the prepayment using the prepaid account of the PIN-TEK service provider and the user respectively A prepaid account manager configured; And
And an account management unit configured to execute a transfer of money from the prepayment account of the FinTech service provider to the parent account of the FinTech service provider in connection with the financial process executed in the prepaid account management unit,
The prepaid account management unit,
Receiving a prepaid account issuance request from the PINTECH service server, generating a prepaid account associated with the parent account of the user in response to the prepaid account issuance request, and transmitting the prepaid account information of the user to the PINTECH service server ≪ / RTI &
In response to a payment request based on the prepaid account of the user, registering a payment history from the user's prepaid account to the PIN prepaid service provider's prepaid account,
A financial institution server for prepaid billing management further configured to check whether the total amount of funds paid out from the prepaid account of the user matches the money transferred to the parent account of the FinTech service provider upon transfer of funds by the account management unit .
delete 8. The method of claim 7,
Wherein the account management unit is further configured to receive a deposit request for the prepaid account of the user from the user device and to deliver the advertisement corresponding to the deposit request to the prepaid account management unit,
Wherein the prepaid account manager is further configured to execute a transfer of funds to the prepaid account of the user in response to the received specialist financial institution server for prepayment management.
delete delete delete Receiving a request for issuing a prepaid account of a user from a FinTech service server configured to provide a financial service based on an advance payment to a financial institution server and not storing the user's parent account information;
The financial institution server creating a prepaid account associated with the parent account of the user in response to the prepaid account issuance request;
The financial institution server transmitting the prepaid account information of the user to the PINTECH service server;
Wherein the financial institution server receives an open application programming interface (API) -based request for financial processing associated with prepayment from the FinTech service server, wherein the open API based request includes a pre- Receiving an open API based request including a payment request based on the prepaid account of the user, the request being generated using the open API; And
Wherein the financial institution server executes a financial transaction using the prepaid account of each of the PINTECH service provider and the user in response to the received open API based request,
The step of executing the financial processing includes:
Registering, in the financial institution server, a payment history from the user's prepaid account to the prepayment account of the FinTech service provider;
Executing funds transfer from the prepayment account of the FinTech service provider to the parent account of the FinTech service provider based on the funding history,
The step of transferring funds from the prepayment account of the PingTech service provider to the parent account of the PingTech service provider comprises: transferring the total amount of the money paid out from the prepaid account of the user to the parent account of the PingTech service provider The method comprising the steps of: a.
14. The method of claim 13,
The financial institution server receiving a deposit request for a prepaid account of the user from a user device; And
Wherein the financial institution server executes a transfer of funds to the user's prepaid account in response to the received deposit request.
delete delete delete A computer program stored in a medium coupled with hardware to perform a prepaid management method,
The prepaid payment management method includes:
Receiving a prepaid account issuance request of a user from a pin tech service server configured to provide a financial service based on an advance payment to a user and not storing the user's parent account information;
Generating a prepaid account associated with the parent account of the user in response to the prepaid account issuance request;
Transmitting the prepaid account information of the user to the PINTECH service server;
Receiving an Open API (Application Programming Interface) based request for financing processing associated with prepayment from the FinTech service server, wherein the open API based request is generated using the prepaid account information of the user Receiving an open API-based request, the request including a payment request based on the user's prepaid account; And
Executing a financial transaction using the prepaid account of each of the PINTECH service provider and the user in response to the received open API based request,
The step of executing the financial processing includes:
Registering a payment history from the user's prepaid account to the prepayment account of the FinTech service provider;
Executing funds transfer from the prepayment account of the FinTech service provider to the parent account of the FinTech service provider based on the funding history,
Wherein the step of transferring funds from the prepayment account of the PingTech service provider to the parent account of the PingTech service provider comprises the step of transferring the total amount of the funds paid out from the prepaid account of the user to the parent account of the PingTech service provider The computer program comprising the steps < RTI ID = 0.0 > of: < / RTI >
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KR20200033082A (en) * 2018-09-18 2020-03-27 주식회사쿠콘 System for providing platform for peer-to-peer finance, method for management of escrow funds for peer-to-peer finance and computer program for the same
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KR102332564B1 (en) * 2021-06-08 2021-12-01 세틀뱅크 주식회사 Open banking and firm banking optimization cross relay method, device and system
KR102606681B1 (en) 2023-05-24 2023-11-29 주식회사 페이네스트 Method, device and system for managing prepaid electronic payment means

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