KR102145034B1 - Transaction processing for direct remittance using user id - Google Patents

Abstract

A transaction processing technology for direct remittance using a user account is disclosed. The remittance method includes: receiving remittance information including remittance amount from a user terminal and a service account related to a remittance service and a recipient name as information of a recipient who is a remittance target; And transmitting the remittance information to the recipient's terminal using the service account after confirming the name of the recipient used on the remittance service using the service account and the recipient's name.

Description

Transaction processing for direct remittance using user account {TRANSACTION PROCESSING FOR DIRECT REMITTANCE USING USER ID}

Embodiments of the present invention relate to a remittance model that processes online remittance through the Internet.

In general, in order to transfer a certain amount to another person, money is transferred from one's own bank account to the other's bank account. Such transfers are made in various forms, such as telebanking, internet banking, and by a user using a bank teller or an ATM machine. It is being done.

As the development of information and communication technology has been applied to the financial field, financial transactions that have been processed in a face-to-face authentication method by visiting a bank window have recently developed into a form of non-face-to-face financial transactions that provide financial transactions through non-face-to-face authentication using a communication network.

For example, Korean Patent Laid-Open Publication No. 10-2000-0072625 (published on December 5, 2000) "Online remittance system using an internet website" discloses a technology for remittance to other banks using internet banking.

Even if the recipient's account number is not known, it provides a remittance model that allows simple remittance using the recipient's service account and real name.

Provides a remittance model in which remittances can be sent by selecting a recipient from a remittance friend list set by a user or having a recent remittance history.

It provides a remittance model that enables remittance by selecting a recipient from the address book stored on the user terminal.

It provides a remittance model that enables remittance by selecting a recipient from the address book on the application through interworking with an application that has an address book.

It provides a remittance model in which money received from others can be selectively received in the user's bank account, as well as converted into electronic money such as points.

A remittance method implemented by a computer, the method comprising: receiving remittance information including remittance amount from a user terminal and a service account related to a remittance service as information of a recipient who is a remittance target; And transmitting the remittance information to the recipient's terminal using the service account after confirming the name of the recipient used on the remittance service using the service account and the recipient's name. .

A computer-readable medium including instructions for performing a remittance processing process by a computer system, wherein the instructions include remittance information including a remittance amount from a user terminal and a service account related to a remittance service as information of a recipient who is a remittance destination. Receiving a recipient name; And transmitting the remittance information to the recipient's terminal using the service account after confirming the name of the recipient used on the remittance service using the service account and the recipient's name. A computer-readable storage medium for controlling a system is provided.

A memory loaded with at least one program; And at least one processor, wherein, under the control of the program, the at least one processor provides remittance information including remittance amount from the user terminal and information of a recipient who is a remittance target, and the service account and recipient name related to the remittance service. Receiving process; And a remittance system that processes the process of transmitting the remittance information to the recipient's terminal using the service account after confirming the name of the recipient used on the remittance service using the service account and the recipient's name. .

According to an embodiment of the present invention, by sending money using the recipient's service account and real name, it is possible to process direct remittance between individuals subscribed to the service without knowing the recipient's account number.

According to an embodiment of the present invention, in the process of selecting a recipient, a recipient for remittance can be input more easily by providing a remittance history or a remittance friend list set by a user.

According to an embodiment of the present invention, a destination for remittance can be more conveniently selected by providing an address book stored on a user terminal in the process of selecting a destination or providing an address book on a corresponding application through interworking with an application having an address book.

According to an embodiment of the present invention, in addition to receiving an amount received from another person into a user's bank account, by converting and receiving the amount of electronic money such as points, it is possible to receive an amount sent by another person even if there is no account registered for the service.

1 is a diagram for explaining an example of a remittance service environment according to an embodiment of the present invention.
2 is a block diagram illustrating the internal configuration of a remittance system according to an embodiment of the present invention.
3 is a flowchart illustrating a method of registering an account for remittance according to an embodiment of the present invention.
4 to 8 illustrate exemplary user interface screens related to an account registration procedure according to an embodiment of the present invention.
9 and 10 are flowcharts illustrating a method of processing a remittance according to an embodiment of the present invention.
11 to 15 are exemplary diagrams illustrating a user interface screen related to a remittance processing procedure according to an embodiment of the present invention.
16 is a flowchart illustrating a method of receiving a remittance according to an embodiment of the present invention.
17 is a diagram illustrating a user interface screen related to a remittance reception procedure according to an embodiment of the present invention.
18 is a block diagram illustrating an example of an internal configuration of a computer system according to an embodiment of the present invention.

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

The present embodiments relate to a remittance model that processes online remittance through the Internet, and in detail, a method, system, and record for handling direct remittance between individuals by using a user identifier related to a remittance service instead of a bank account number. It's about the medium.

1 is a diagram for explaining an example of a remittance service environment according to an embodiment of the present invention. 1 shows user terminals 101 and 102 and a money transfer system 100. In FIG. 1, arrows indicate that data can be transmitted/received between components using a wired/wireless network 10.

User terminals 101 and 102 may execute one or more processes configured to perform one or more of the features described herein. The user terminals 101 and 102 may refer to all terminal devices capable of accessing a web/mobile site related to the remittance system 100 or installing and executing a service-only application. At this time, the user terminals 101 and 102 may perform overall service operations such as configuring a service screen, inputting data, transmitting and receiving data, and storing data under the control of a web/mobile site or a dedicated application.

Examples of the user terminals 101 and 102 include a personal computer (PC), a laptop computer, a laptop computer, a smart phone, a tablet, a wearable computer, and the like. May include, but is not limited to these.

The user terminals 101 and 102 may be directly or indirectly coupled to the network 10 (eg, the Internet or a local area network). For example, a personal computer and a notebook computer may be directly coupled to the network 10 through a wired network connection. The laptop computer may be wirelessly coupled to the network 10 through a wireless communication channel established between the laptop computer and a Wireless Access Point (ie, WAP). The smartphone may be wirelessly coupled to the network 10 via a wireless communication channel established between the smartphone and the cellular network/bridge. At this time, the network 10 may communicate with one or more secondary networks (not shown), and examples of secondary networks include a local area network, a wide area network, or an intranet ( intranet), but is not limited to this.

The user terminals 101 and 102 may interface with the remittance system 100 through the network 10 described above.

The remittance system 100 serves as a service platform that provides remittance services to clients. The money transfer system 100 may execute one or more processes configured to perform one or more of the features described herein.

The remittance system 100 corresponds to a server computer, and examples of the server computer may include a server computing device, a personal computer, a server computer, a series of server computers, a mini computer, and/or a mainframe computer. It is not limited only. The server computer may be a distributed system, and the operations of the server computer may be executed concurrently and/or sequentially on one or more processors.

In particular, the remittance system 100 may process direct remittance between individuals using a user identifier related to a remittance service. In this specification, the user identifier may mean all information that can specify the recipient for remittance instead of the account number, and examples thereof may include a service account, a phone number, and an email, but are not limited thereto. . At this time, the service account is a user ID registered in the remittance service, a user registered in other services (e.g., portal service, integrated search service, shopping service, map service, community service, social network service, etc.) ID, etc. may be included, but are not limited thereto.

As an example, the remittance system 100 may provide a remittance process for individuals, such as home banking, when remittances are made between individuals. As another example, when remittance between individuals, the remittance system 100 may first deposit the remittance amount to a mother account on a remittance service, and then process the remittance from the mother account to the recipient's account. In other words, the remittance processing unit 212 may perform remittance processing between individuals through firm banking using a mother account.

The remittance system 100 may interface with the bank company server 103 through the network 10 to perform one or more processes required in the remittance process. At this time, the remittance system 100 is configured as a system combined with the bank company server 103, or is configured as a separate system with the bank company server 103 to provide a remittance service by interworking with the bank company server 103. It may be provided, but is not limited thereto. In some cases, the form or method of constructing the remittance system 100 may be changed as much as possible. When the remittance system 100 is configured as a separate system from the bank company server 103, a part of the remittance system 100 may be configured to reside on the bank company server 103 side depending on the system implementation or service type. . In addition, the remittance system 100 may be constructed in the form of a one-to-one system for each bank company, or may be separately configured as an integrated system for services targeting several bank companies.

The remittance system 100 may be implemented as a system with at least one service platform among services requiring remittance functions such as portal service, integrated search service, shopping service, map service, community service, and social network service, or It is implemented as a system and can provide remittance service through linkage between services.

The remittance system 100 may provide a web-based remittance environment by itself, and may be implemented in a form included in a service platform that provides remittance services in a client-server environment. As another example of the implementation form of the remittance system 100, the remittance system 100 may be implemented in the form of a client device application such as a mobile-only application installed on the user terminal 101 and/or 102, but only with this It is not limited.

2 is a block diagram illustrating the internal configuration of a remittance system according to an embodiment of the present invention.

As shown in FIG. 2, the remittance system 200 according to the present embodiment may include a processor 210, a bus 220, a network interface 230, and a memory 240 and a database 250. . The memory 240 may include an operating system 241 and a remittance processing routine 242. The processor 210 may include a registration unit 211, a remittance processing unit 212, and a reception processing unit 213. In other embodiments, the remittance system 200 may include more components than the components of FIG. 2.

The memory 240 is a computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), and a disk drive. In addition, program codes for the operating system 241 and the remittance processing routine 242 may be stored in the memory 240. These software components may be loaded from a computer-readable recording medium separate from the memory 240 using a drive mechanism (not shown). Such a separate computer-readable recording medium may include a computer-readable recording medium (not shown) such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, or a memory card. In another embodiment, software components may be loaded into the memory 240 through a network interface 230 other than a computer-readable recording medium.

The bus 220 may enable communication and data transmission between components of the remittance system 200. Bus 220 may be configured using a high-speed serial bus, a parallel bus, a storage area network (SAN), and/or other suitable communication technology.

The network interface 230 may be a computer hardware component for connecting the remittance system 200 to a computer network. The network interface 230 may connect the remittance system 200 to a computer network through a wireless or wired connection.

The database 250 serves to store and maintain all information necessary to provide a remittance service. At this time, the database 250 is a user-specific personal information (for example, name, gender, nationality, date of birth, etc.), user identifiers related to the remittance service (service account, mobile phone number, e-mail, etc.), registered on the remittance service. Personal information including account information, a history related to remittance and/or reception, electronic money on a remittance service, and a history related to electronic money can be maintained. In FIG. 2, the remittance system 200 is illustrated as including the database 250, but it is also possible to exist as an external database built on another separate system.

The processor 210 may be configured to process instructions of a computer program by performing basic arithmetic, logic, and input/output operations of the remittance system 200. Instructions may be provided to the processor 210 by the memory 240 or the network interface 230 and via the bus 220. The processor 210 may be configured to execute program codes for the registration unit 211, the remittance processing unit 212, and the reception processing unit 213. Such program codes may be stored in a recording device such as the memory 240.

The registration unit 211, the remittance processing unit 212, and the reception processing unit 213 may be configured to perform steps of a remittance method, which will be described below.

3 is a flowchart illustrating a method of registering an account for remittance according to an embodiment of the present invention. In the account registration method according to the present invention, each step may be performed by the registration unit 211 described with reference to FIG. 2.

In step 301, the registration unit 211 may perform user identification for a user requesting service subscription. In this case, the registration unit 211 may perform the identity authentication process through one or more of a number of known authentication methods, such as a mobile phone authentication method, a real name authentication method, an authentication method using a public certificate, and an authentication method using ARS.

4 is a diagram illustrating an example of an identity authentication screen 400 displayed on a user terminal as a user interface related to the identity authentication procedure of the registration unit 211. As an example, the identity authentication screen 400 shows a user authentication screen according to a mobile phone authentication method, and may include a user interface for requesting input of personal information for mobile phone authentication. Accordingly, the registration unit 211 performs mobile phone authentication based on personal information input through the identity authentication screen 400 (eg, name, gender, nationality, date of birth, mobile phone number, communication company, etc.) Confirmation procedures can be performed.

In steps 302 and 303, the registration unit 211 may determine whether or not user authentication is successful according to a result of user authentication using a mobile phone authentication method or the like, and may restrict registration of the remittance service when user authentication fails.

In steps 302 and 304, the registration unit 211 may perform a password registration procedure of registering a user's password when user authentication through the identity authentication procedure is successful. In this case, the password is used for authentication in remittance or payment using a registered account, which will be described below.

5 is a diagram illustrating an exemplary view of a password input screen 500 displayed on a user terminal as a user interface related to a password registration procedure of the registration unit 211. For example, the password input screen 500 may include a user interface for requesting input of a password used for authentication in remittance, payment, or the like. The password input screen 500 may include a keypad area and a character input area into which characters (eg, numbers, etc.) selected through the keypad are input, and the keypad area is automatically accessed when the password input screen 500 is accessed. It can be configured as a security keypad that is exposed and converts an actual input value into a random number when the keyboard layout is changed each time or when the keyboard is pressed.

The registration unit 211 can register the characters inputted through the password input screen 500 as the user's authentication password, and furthermore, by repeatedly requesting re-entering the password at least once, all the same as the previously entered password. When characters are entered, the method of registering the password can be applied.

In addition, the registration unit 211 may perform a procedure for agreeing to terms and conditions for use of the remittance service before or after performing the password registration procedure. In this case, the terms of use may include all terms and conditions necessary for the use of the remittance service, for example, the remittance service member terms of use, electronic financial transaction terms, personal information collection and use agreement, payment information to a third party, etc.

In steps 305, 306, 307, and 308, the registration unit 211 may perform an account registration procedure for registering an account to be used for remittance. For example, the registration unit 211 may register only one account in the form of one account per person, and register a new account after deleting an existing registered account to change an account. As another example, the registration unit 211 may register a plurality of accounts in the form of N accounts per person without limiting the number of registered accounts.

For example, the registration unit 211 may perform an account registration procedure in the order of entering account information -> consent to withdrawal of the input account -> test deposit authentication -> registration completion. 6 illustrates an exemplary diagram of an account input screen 600 displayed on a user terminal as a user interface related to the account registration procedure of the registration unit 211. As an example, the account input screen 600 may include a user interface for requesting input of account information such as a bank or an account number. In the user interface that requires bank selection, the bank may be exposed in the selected state when selecting a bank. When characters other than numbers are input when entering the account number, an alert message (for example,'only numbers can be entered') may be displayed on the account input screen 600. The user's basic personal information (name, date of birth, mobile phone number, etc.) required for account registration is not separately entered, and personal information pre-registered with the remittance service or other services related to the remittance service (e.g., portal service including remittance service) It can be utilized, and it can be automatically exposed on the account input screen 600.

The registration unit 211 may perform an account name verification procedure for the input account so as to register only an account in the user's own name during the account information input process, and if the account is not in the user's name, an alert message according to account registration failure (for example, 'Account registration failed because the account was not verified in the name of the person') can be provided.

The registration unit 211 may perform an automatic debit withdrawal consent procedure using ARS when a user requests account registration for an input account (305). 6 and 7, if the user inputs account information on the account input screen 600 and then presses the registration button 601, the registration unit 211 consents to the automatic debit withdrawal through the ARS guide screen 710. For this purpose, a guide for receiving an ARS call is provided, and when the user requests ARS guidance on the ARS guide screen 710, the ARS phone can be connected to a mobile phone number included in the user's personal information. In this case, the ARS may provide a guide regarding the consent of the automatic transfer to the account input by the user when the user receives a call.

After the registration unit 211 confirms the user's consent to the automatic debit withdrawal through ARS (306), if the user does not agree with the automatic debit withdrawal, an alert message according to the account registration failure (for example,'Do not agree to the automatic debit. Account registration failed because of this.') can be provided (307). On the other hand, the register 211 registers the input account as a remittance account to be used for remittance when the user agrees to the automatic debit withdrawal (308), and an alert message according to the completion of the account registration (e.g.,'Account Registration is complete.') can be provided. At this time, the registration unit 211 may register the user's account by matching personal information including a user identifier.

The registration unit 211 may perform an authentication procedure using a test deposit for input account authentication. For example, the registration unit 211 may authenticate the user's input account using a remittance identification number or some information (eg, transfer amount, transfer date and time, summary, etc.) included in the transfer details of the corresponding account when making a test deposit. As another example, the registration unit 211 may perform an account authentication procedure using processing information generated when test deposit is completed. For example, the registration unit 211 uses the remittance identification number randomly generated for the test deposit to the account input by the user as the remittance information, and transfers a certain amount (for example, KRW 1) to the corresponding account, and then the remittance identification number. You can use to authenticate the user's input account. The user can check the account deposit details provided by the bank company of the input account through SMS or ARS, and can authenticate the input account by using some information based on this. Although the above account authentication procedure is limited to the use of transfer related brief or separate processing information, it is not limited to this.

8 is a diagram illustrating an example of account authentication screens 810 and 820 displayed on a user terminal as a user interface related to a test deposit authentication procedure of the registration unit 211. As an example, the account authentication screen 810 may include a user interface for requesting input of a remittance identification number confirmed by the user in the test deposit details of the input account. As another example, the account authentication screen 820 may include a user interface for requesting input of a test deposit amount deposited into a user's input account. Accordingly, when the remittance identification number input from the user matches the remittance identification number generated during the test deposit of the input account, or the amount input from the user matches the remittance amount during the test deposit to the input account The input account can be normally registered as a remittance account. At this time, the registration unit 211 may guide a path (eg, ARS phone number, etc.) through which the account deposit details for the test deposit can be checked through the account authentication screens 810 and 820, and for a certain time (eg, 24 hours). If the remittance identification number is entered within ), the input account can be registered as a remittance account, and the account registration can be canceled after a certain period of time.

9 and 10 are flowcharts illustrating a method of processing a remittance according to an embodiment of the present invention. In the remittance processing method according to the present invention, each step may be performed by the remittance processing unit 212 described with reference to FIG. 2.

In step 901, when a service request for remittance is received from the user terminal, the remittance processing unit 212 may determine whether a remittance account is registered for the user.

In step 902, in the case of a user whose remittance account is not registered, the remittance processing unit 212 may first request an account registration process for the user from the registration unit 211 to register a remittance account.

In steps 903 to 907, the remittance processing unit 212 may perform a recipient selection procedure in which, in the case of a user whose remittance account is already registered, the user inputs an identifier and real name of the recipient for remittance. As an example of the identifier, a service account, a phone number, an e-mail, etc. can be used. In addition, all information that can identify a recipient can be used. In the present specification, the real name may mean the real name of the user, and is not limited thereto, and may mean the name actually used by the user in the remittance service, for example, a name previously registered on the remittance service when signing up for the service.

For example, the remittance processing unit 212 may select a recipient using the recipient's service account (e.g., a user ID registered in the remittance service, a user ID registered in another service linked with the remittance service, etc.) ( 904). As another example, the remittance processing unit 212 may select a recipient using the recipient's mobile phone number (905). The remittance processing unit 212 may select a recipient using a service account or a mobile phone number, and then receive the real name of the selected recipient together in operation 906. In this case, the real name of the recipient may be input through a direct input method.

When a recipient is selected using a service account and a mobile phone number, the remittance processing unit 212 may directly input the recipient's service account or mobile phone number by providing a direct input method. Alternatively, the remittance processing unit 212 may expose the address book stored on the user terminal and then receive a service account or mobile phone number of a recipient selected from the address book. Alternatively, the remittance processing unit 212 interlocks with a separate application holding an address book (hereinafter, referred to as'address book app') to expose the address book on the address book app, and then input the service account or mobile phone number of the recipient selected from the address book. I can receive it.

As another example, the remittance processing unit 212 may specify a recipient selected from the remittance friend list after exposing the remittance friend list that has a recent remittance history or set by the user (907). To this end, in the registration unit 211, the service account and/or mobile phone number of the target person recently sent or received by the user, and the real name are automatically registered as a remittance friend, or the service account of the target directly entered by the user in the pre-registration environment. And/or a mobile phone number, and a real name to be registered as a remittance friend. In this case, when the recipient is selected using the remittance friend list, the remittance processing unit 212 may omit the real name input procedure because the real name is included in the remittance friend list.

FIG. 11 is a diagram illustrating an exemplary diagram of a remittance information input screen 1100 displayed on a user terminal as a user interface related to a remittance processing procedure of the remittance processing unit 212. As an example, the remittance information input screen 1100 may include a user interface for requesting input of remittance information including a recipient, a remittance amount, and a remittance related message. At least a part of information on a remittance account registered by a user may be exposed on the remittance information input screen 1100. In addition, the remittance information input screen 1100 may further include a user interface for requesting consent to provide personal information to a third party. The remittance processing unit 212 may provide a recipient selection page when an interface for selecting a recipient is input on the remittance information input screen 1100.

12 is a diagram illustrating an exemplary recipient selection screen 1200 for selecting a recipient as a user interface related to a remittance processing procedure of the remittance processing unit 212. As an example, the recipient selection screen 1200 may include a first user interface for selecting a recipient using at least one of an identifier such as a service account, a mobile phone number, and an email.

When the first user interface is selected on the recipient selection screen 1200, the remittance processing unit 212 is an input page for entering a real name along with any one of identifiers such as a service account, a mobile phone number, and an e-mail, as shown in FIG. (1310, 1320) can be provided.

When the first user interface is selected on the recipient selection screen 1200, the remittance processing unit 212 accesses the address book on the user terminal or the address book on the address book app, as shown in FIG. 14, and a selection page 1410 including the corresponding address book. After providing, when a specific recipient is selected on the selection page 1410, an input page 1420 for inputting the real name of the corresponding recipient may be provided.

The remittance processing unit 212 provides input pages 1310 and 1320 for entering the recipient's identifier and real name as shown in FIG. 13 in a remittance environment through a web browser in consideration of a service provision environment, and a remittance environment implemented as a mobile-only application. In FIG. 14, a selection page 1410 using an address book may be provided in conjunction with an address book.

Referring to FIG. 12, when a remittance friend list exists, the recipient selection screen 1200 may further include a second user interface for selecting a recipient using the remittance friend list. A profile image, a service account, a real name, and the like may be exposed on the remittance friend list of the recipient selection screen 1200.

When the recipient selection is completed, the remittance processing unit 212 may expose information of the recipient selected by the user on the remittance information input screen 1500 as shown in FIG. 15. In this case, the information of the recipient exposed on the remittance information input screen 1500 may include an identifier (service account, phone number, email, name, etc.) corresponding to the recipient selection method along with the real name input by the user. .

In step 908, the remittance processing unit 212 may request the user to input the remittance amount, and thus receive the remittance amount input by the user through the remittance information input screen 1500. For example, the remittance information input screen 1500 may include an area in which an amount of money in units of won can be directly input, an amount button for automatically inputting a predetermined amount, and the like.

Next, the following procedure after the remittance processing procedure described with reference to FIG. 9 will be described with reference to FIG. 10.

In step 1009, the remittance processing unit 212 may check the remittance limit per unit period of the user when the user selects the recipient and inputs the remittance amount and receives a remittance request. For example, the remittance limit per unit period may be automatically set as a default or may be set directly by a user, for example, it may be set at 500,000 won per 1 ID per day. As another example, the remittance limit per unit period may be set differentially depending on whether or not a minor is a minor, for example, an adult may be set at 500,000 won per 1 ID per day, and a minor may be set at 100,000 won per ID per day. Along with the remittance limit per unit period, the minimum remittance limit may also be preset to a certain amount (eg, 1,000 won).

In step 1010, the remittance processing unit 212 adds the remittance amount requested for the latest remittance with the existing remittance amount remitted in the unit period, and when the summed amount exceeds the remittance limit per unit period, the remittance processing process is stopped and an alert indicating the limit is exceeded. You can provide a message.

In step 1011, the remittance processing unit 212 adds the remittance amount recently requested for remittance with the existing remittance amount remitted in the unit period, and if the summed amount does not exceed the remittance limit, the balance of the parent account related to the remittance account can be checked. The parent account balance limit can be set automatically or by the user. For example, the balance limit can be set at 2 million won when remittance.

The remittance processing unit 212 may add up the remittance amount that has been recently requested for remittance with the remittance amount waiting to be received, and provide an alert message indicating that the limit is exceeded when the total amount exceeds the balance limit of the parent account (1010).

In step 1012, the remittance processing unit 212 adds the remittance amount requested for remittance recently with the remittance amount waiting to be received, and if the summation amount does not exceed the balance limit of the mother account, it may request the user to input a password for authentication.

In step 1013, the remittance processing unit 212 may compare the password input from the user with the previously registered password to check whether they match. If the two passwords do not match, it may provide an alert message indicating a password error.

In step 1014, the remittance processing unit 212 may check the balance of the remittance account when the password input from the user matches the previously registered password.

In step 1015, the remittance processing unit 212 provides an alert message indicating the lack of balance when the remittance amount recently requested for remittance exceeds the balance of the remittance account, and if it does not exceed the balance of the remittance account, the remittance processing unit 212 is sent to the recipient selected by the user. You can send the remittance details for the remittance amount.

In steps 1016 and 1017, the remittance processing unit 212 may provide a function of canceling remittance before the recipient receives the remittance amount for remittance pending reception, and the user requests to cancel remittance while waiting for reception. If so, you can cancel the remittance.

In steps 1018 and 1017, the remittance processing unit 212 may cancel the remittance when the remittance acceptance deadline has elapsed when the recipient does not receive the amount sent by the user within the preset remittance acceptance period. A remittance acceptance deadline (e.g., 3 days) may be set as a deadline for the recipient to receive the remittance amount, and the remittance acceptance deadline may be automatically set by default or may be set directly by the user who is the sender of the remittance. .

In steps 1019, 1020, and 1017, the remittance processing unit 212 may check whether the real name input by the user along with the identifier matches the real real name corresponding to the identifier, and the real name input by the user is different from the real real name. In this case, you can provide an alert message indicating a real name error and cancel the remittance.

The remittance processing unit 212 can verify the real name by comparing the identifier and real name of the recipient included in the remittance information with the identifier in the personal information registered in the database and the real name. It is performed when a recipient is selected by using, and may be omitted when a recipient is selected from the remittance friend list.

The remittance processing unit 212 completes the remittance processing process by requesting the recipient to receive the amount sent by the user within the remittance acceptance deadline and, if the real name included in the remittance information of the user matches the real name of the recipient, transmits the amount to the recipient. can do.

In steps (1021, 1022, 1023), the remittance processing unit 212 checks whether there is an issue in the original account of the user when remittance is canceled, and if there is no specific issue, returns the canceled amount of remittance to the original account. The canceled amount of remittance can be returned to the set refund balance.

16 is a flowchart illustrating a method of receiving a remittance according to an embodiment of the present invention. In the method of receiving remittance according to the present invention, each step may be performed by the receiving processing unit 213 described with reference to FIG. 2.

In step 1601, when the sender's remittance details are received, the reception processing unit 213 may provide a reception notification together with the remittance details to the user. For example, the reception processing unit 213 is a text message including a remittance information (sender information, remittance date, remittance amount, etc.) to a corresponding user terminal through a text service (e.g., SMS, etc.) for remittance to the user as a recipient. Can be transmitted. As another example, the reception processing unit 213 may expose the remittance reception details through the user's notification page linked to the remittance service for remittances to which the user is the recipient. As another example, the reception processing unit 213 may simultaneously apply the two remittance reception notification methods. The remittance reception notification may include a link for moving to a remittance reception detail screen where the sender can receive the remittance amount.

Furthermore, the reception processing unit 213 may determine a remittance reception notification method according to a recipient selection method by the sender. For example, if the sender selects a recipient using a mobile phone number, it can notify the recipient of the remittance via text message, and if the sender selects a recipient using a service account, it can notify the recipient of the remittance through a notification page related to the remittance service. When the recipient is selected using the remittance friend list, the remittance reception can be notified using both a text message and a notification page.

The reception processing unit 213 may provide a remittance reception notification through a text message even if the user selected as the recipient by the sender is not a registered member of the remittance service (or other service linked to the remittance service), and then proceeds with the remittance reception step. In order to do so, additional procedures necessary for remittance reception can be performed, including the procedure for signing up for a member and for agreeing to the terms and conditions for the use of remittance service.

In steps 1602 and 1603, the reception processing unit 213 may cancel the remittance when a remittance cancellation request is received from the sender before the user receives the remittance, and at this time, text service and/or remittance to the user A remittance cancellation notification may be provided through a notification page associated with the service, indicating that remittance has been canceled by the sender.

In steps 1604 and 1603, if the user does not receive the sender's remittance within the specified remittance acceptance period, the reception processing unit 213 similarly cancels the remittance and provides the user with a notification page associated with the text service and/or remittance service. Through this, you can provide a remittance cancellation notification that the remittance has been canceled due to the expiration of the deadline.

In steps (1605, 1606, 1603), the reception processing unit 213 can check whether the actual real name of the user who has received the remittance reception notification for the sender's remittance matches the real name included in the sender's remittance details. In other cases, you can provide an alert message indicating a real name error and cancel the remittance. The real name verification procedure is performed when the sender selects a destination using a service account or a mobile phone number, and may be omitted when a destination is selected from the remittance friend list.

In step 1607, the reception processing unit 213 may perform a procedure for selecting a remittance reception method when the user requests to receive the amount sent by the sender within the remittance acceptance period and real name authentication is normally processed.

17 is a diagram illustrating an exemplary diagram of a remittance reception detail screen 1700 displayed on a user terminal as a user interface related to a remittance reception procedure of the reception processing unit 213. For example, on the remittance reception detail screen 1700, detailed remittance information of the sender (e.g., the sender's name, remittance date, remittance amount, remittance related message, etc.) is exposed, and a remittance reception method for receiving the remittance amount sent by the sender. A user interface requesting the selection of may be included. Accordingly, the user may check the detailed remittance information exposed on the remittance reception detail screen 1700 and then select a remittance reception method in which the sender receives the remittance amount.

The remittance receiving method may include a method of receiving through a bank account and a method of receiving in electronic money (eg, points) related to a remittance service, but is not limited thereto. In order to receive a bank account, it is necessary to register an account on the remittance service, and in the case of electronic money such as points, it is possible to receive remittance without a registered account.

In steps 1608 and 1609, the reception processing unit 213 may check whether a bank account registered on the remittance service exists for the user when the user selects the remittance reception method as a bank account.

In steps 1610 and 1611, if the user's account registered on the remittance service does not exist, the reception processing unit 213 requests the user to proceed with the account registration procedure, and if the user does not proceed with the account registration procedure, the reception processing unit 213 receives the remittance. You can provide an alert message indicating an error. In this case, if the user does not proceed with the account registration procedure, the reception processing unit 213 may suspend the reception of the remittance or request reselection of the remittance reception method.

In steps 1609, 1610, 1612, if the user's account registered on the remittance service already exists or a new account is registered through the account registration procedure, the reception processing unit 213 determines whether the status of the registered account is in a normal state that can be received. You can check. At this time, the reception processing unit 213 provides an alert message indicating a remittance reception error when the user's registered account is not in a remittance reception state, and when the user's registered account is in a normal state, the sender's remittance amount is deposited to the corresponding account. By doing so, you can complete the remittance reception process.

In steps 1613 and 1614, the reception processing unit 213 may check the balance limit of the user's electronic money when the user selects the electronic money accumulation method as the remittance reception method. The electronic money balance limit may be automatically set or may be set directly by the user. For example, the point balance limit may be set to 2 million won.

When the sum of the remittance amount received from the sender and the current balance of the user's electronic money does not exceed the balance limit, the receiving processing unit 213 converts the remittance amount of the sender into electronic money and stores it to the user. The receiving process can be completed.

The reception processing unit 213 may perform the user authentication procedure using the authentication password registered on the remittance service, but the authentication procedure using the password may be omitted in the remittance reception procedure.

Meanwhile, the receiving processing unit 213 may provide an alert message indicating a remittance reception error when the sum of the remittance amount received from the sender and the current balance of the user's electronic money exceeds the balance limit. At this time, the reception processing unit 213 may suspend the reception of the remittance or request reselection of the remittance reception method when the summed amount exceeds a predetermined electronic money balance limit.

In the above, it is described that the amount remitted by the sender is fully received by either a bank account or electronic money, but the present invention is not limited thereto, and the remittance reception method may be varied or expanded and applied. For example, it is possible to provide a complex receiving method in which remittance reception can be divided into a bank account and electronic money, and through this, a user selectively divides the remittance amount, and a part of the remittance amount is converted to a bank account and the rest is converted into electronic money It is also possible to receive.

The remittance system 200 having the above configuration can provide a payment environment that can be used immediately as a payment amount for online commerce (for example, internet shopping) after the user receives the amount sent by the sender in an account or electronic money. have.

The remittance method described above may include shorter operations or additional operations based on the details of the remittance system described with reference to FIGS. 1 to 17. In addition, two or more operations may be combined, and the order or position of the operations may be changed.

4 to 8, 11 to 15, and 17 are exemplary screens to aid understanding of the invention and for convenience of description, and the configuration or order of the screens can be changed as much as possible.

18 is a block diagram illustrating an example of an internal configuration of a computer system according to an embodiment of the present invention. The computer system 1800 includes at least one processor 1810, a memory 1820, a peripheral interface 1830, an input/output subsystem 1840. , A power circuit 1850 and a communication circuit 1860 may be included. In this case, the computer system 1800 may correspond to a user terminal.

The memory 1820 may include, for example, a high-speed random access memory, magnetic disk, SRAM, DRAM, ROM, flash memory, or nonvolatile memory. have. The memory 1820 may include a software module, an instruction set, or other various data necessary for the operation of the computer system 1800. In this case, access to the memory 1820 from another component such as the processor 1810 or the peripheral device interface 1830 may be controlled by the processor 1810.

Peripheral interface 1830 may couple input and/or output peripherals of computer system 1800 to processor 1810 and memory 1820. The processor 1810 may perform various functions for the computer system 1800 and process data by executing a software module or instruction set stored in the memory 1820.

The input/output subsystem 1840 may couple various input/output peripherals to the peripherals interface 1830. For example, the input/output subsystem 1840 may include a controller for coupling a peripheral device such as a monitor, a keyboard, a mouse, a printer, or a touch screen or sensor to the peripheral device interface 1830 as needed. According to another aspect, input/output peripherals may be coupled to the peripherals interface 1830 without going through the input/output subsystem 1840.

The power circuit 1850 may supply power to all or part of the components of the terminal. For example, the power circuit 1850 may include a power management system, one or more power sources such as batteries or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, a power status indicator or power. It may contain any other components for creation, management, and distribution.

The communication circuit 1860 may enable communication with another computer system using at least one external port. Alternatively, as described above, the communication circuit 1860 may enable communication with other computer systems by transmitting and receiving an RF signal, also known as an electromagnetic signal, including an RF circuit, if necessary.

The embodiment of FIG. 18 is only an example of the computer system 1800, and the computer system 1800 omits some of the components shown in FIG. 18, further includes additional components not shown in FIG. 18, or 2 It can have a configuration or arrangement that combines two or more components. For example, a computer system for a communication terminal in a mobile environment may further include a touch screen or a sensor in addition to the components shown in FIG. 18, and various communication methods (WiFi, 3G, LET) in the communication circuit 1860 , Bluetooth, NFC, Zigbee, etc.) may include a circuit for RF communication. Components that may be included in the computer system 1800 may be implemented in hardware, software, or a combination of both hardware and software, including one or more signal processing or application-specific integrated circuits.

As described above, according to an embodiment of the present invention, by sending money using the recipient's service account and real name, it is possible to process direct remittance between individuals subscribed to the service without knowing the recipient's account number. Further, according to an embodiment of the present invention, in the process of selecting a recipient, a recipient for remittance can be input more easily by providing a remittance history or a remittance friend list set by a user. In addition, according to an embodiment of the present invention, the address book stored on the user terminal is provided in the process of selecting a destination, or an address book on the application is provided through interlocking with an application holding the address book, so that a recipient for remittance can be input more easily. I can. Moreover, according to an embodiment of the present invention, in addition to receiving the amount received from another person into the user's bank account, it is possible to receive the amount sent by another person even if there is no account registered in the service by converting and receiving the amount into electronic money such as points.

Methods according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computer systems and recorded in a computer-readable medium.

The program according to this embodiment may be configured as a PC-based program or an application dedicated to a mobile terminal. The app related to the remittance service in this embodiment is implemented in the form of a program that operates independently, or is configured in an in-app form of a specific application (eg, a portal service app, a search service app, etc.). It may be implemented to enable operation on a specific application.

In addition, methods according to an embodiment of the present invention may be performed by controlling a user terminal by an application associated with a server system providing a remittance service. As an example, such an application may execute one or more processes configured to perform one or more of the features described herein. Also, such an application may be installed in the user terminal through a file provided by the file distribution system. For example, the file distribution system may include a file transmission unit (not shown) that transmits the file according to the request of the user terminal.

The apparatus described above may be implemented as a hardware component, a software component, and/or a combination of a hardware component and a software component. For example, the devices and components described in the embodiments are, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA). , A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions, such as one or more general purpose computers or special purpose computers. The processing device may execute an operating system (OS) and one or more software applications executed on the operating system. In addition, the processing device may access, store, manipulate, process, and generate data in response to the execution of software. For the convenience of understanding, although it is sometimes described that one processing device is used, one of ordinary skill in the art, the processing device is a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it may include. For example, the processing device may include a plurality of processors or one processor and one controller. In addition, other processing configurations are possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of these, configuring the processing unit to behave as desired or processed independently or collectively. You can command the device. Software and/or data may be interpreted by a processing device or to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. , Or may be permanently or temporarily embodyed in a transmitted signal wave. The software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -A hardware device specially configured to store and execute program instructions such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of the program instructions include not only machine language codes such as those produced by a compiler but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.

As described above, although the embodiments have been described by the limited embodiments and drawings, various modifications and variations are possible from the above description by those of ordinary skill in the art. For example, the described techniques are performed in an order different from the described method, and/or components such as a system, structure, device, circuit, etc. described are combined or combined in a form different from the described method, or other components Alternatively, even if substituted or substituted by an equivalent, an appropriate result can be achieved.

Therefore, other implementations, other embodiments, and claims and equivalents fall within the scope of the claims to be described later.

200: money transfer system
211: register
212: remittance processing unit
213: receiving processing unit

Claims (22)

A web-based personal remittance method implemented by a computer,
Performing identity authentication for a user and registering a bank account of the user;
Receiving remittance information including a recipient's phone number, a recipient's name, a remittance authentication password, and a remittance amount from the user's terminal;
If the password for remittance authentication matches the previously registered password, transmitting the remittance information to the terminal of the recipient corresponding to the telephone number and requesting acceptance;
Receiving an acceptance of the remittance information, the name of the recipient, and bank account information to be remitted from the recipient's terminal; And
Remittance processing of the remittance amount to the recipient's bank account through firm banking according to the recipient's acceptance; Including,
The step of receiving registration,
Transferring a predetermined amount to the user's account for account authentication;
Including; and performing an authentication process for the account using at least one of a remittance identification number and a deposit detail of the account according to the remittance of the predetermined amount; and
The transmitting step,
After the remittance amount is deposited from the account registered by the user to the mother account of the remittance service opened in the financial sector, a notification message including the remittance information is delivered through at least one of a notification page related to the remittance service and a text service (SMS). and,
The step of receiving the bank account information to be remitted,
To the recipient's terminal, a remittance method in which the remittance amount is remitted to an account associated with the service account of the remittance service as a receiving method for the remittance amount, and a part of the remittance amount is remitted to the account by dividing the remittance amount, and the remainder is remitted to the account. After providing a menu for selecting any one of the remittance methods for converting to electronic money linked to the service account of the remittance service, the recipient's terminal receives the selection of the receiving method together with the acceptance of the remittance information, and ,
The step of processing the remittance,
A remittance method, wherein direct remittance is serviced between individuals without separate authentication of a financial institution by processing remittance from the mother account to the recipient's bank account through the firm banking, and remittance processing according to a receiving method selected by the recipient. The method of claim 1,
Managing the service account and recipient name of the remittance service having remittance history in relation to the user's terminal as a remittance friend list
Including more,
Receiving the remittance information,
Providing the remittance friend list to the user's terminal; And
Receiving a selection for a specific target included in the remittance friend list from the user's terminal
Remittance method including a. The method of claim 1,
Receiving the remittance information,
Providing the address book by accessing an address book stored in the user's terminal during a destination selection process; And
Receiving a selection for a specific target included in the address book from the user's terminal
Remittance method including a. The method of claim 1,
Receiving the remittance information,
Providing the address book in connection with an application that manages an address book related to the user's terminal during a destination selection process; And
Receiving a selection for a specific target included in the address book from the user's terminal
Remittance method including a. delete delete delete delete delete The method of claim 1,
Canceling the remittance pending reception for which the recipient has not accepted the remittance reception according to the cancellation request of the user's terminal
Remittance method further comprising a. The method of claim 1,
If the recipient does not accept the remittance within a certain period of time, canceling the remittance pending reception
Remittance method further comprising a. delete As a computer-readable medium containing instructions (instruction) for a computer system to perform a web-based transfer processing process between individuals,
The above command is:
Performing identity authentication for a user and registering a bank account of the user;
Receiving remittance information including a recipient's phone number, a recipient's name, a remittance authentication password, and a remittance amount from the user's terminal;
If the password for remittance authentication matches the previously registered password, transmitting the remittance information to the terminal of the recipient corresponding to the telephone number and requesting acceptance;
Receiving an acceptance of the remittance information, the name of the recipient, and bank account information to be remitted from the recipient's terminal; And
Remittance processing of the remittance amount to the recipient's bank account through firm banking according to the recipient's acceptance; Including,
The step of receiving registration,
Transferring a predetermined amount to the user's account for account authentication;
Including; and performing an authentication process for the account using at least one of a remittance identification number and a deposit detail of the account according to the remittance of the predetermined amount; and
The transmitting step,
After the remittance amount is deposited from the account registered by the user to the mother account of the remittance service opened in the financial sector, a notification message including the remittance information is delivered through at least one of a notification page related to the remittance service and a text service (SMS). and,
The step of receiving the bank account information to be remitted,
To the recipient's terminal, a remittance method in which the remittance amount is remitted to an account associated with the service account of the remittance service as a receiving method for the remittance amount, and a part of the remittance amount is remitted to the account by dividing the remittance amount, and the remainder is remitted to the account. After providing a menu for selecting any one of the remittance methods for converting to electronic money linked to the service account of the remittance service, the recipient's terminal receives the selection of the receiving method together with the acceptance of the remittance information, and ,
The step of processing the remittance,
The computer system is controlled by a method of remittance processing from the mother account to the recipient's bank account through the firm banking, providing direct remittance service between individuals without separate authentication from a financial institution, and remittance processing according to a receiving method selected by the recipient A computer-readable storage medium. A memory loaded with at least one program; And
At least one processor
Including,
The at least one processor, according to the control of the program,
Performing identification of a user and registering a bank account of the user;
Receiving remittance information including a recipient's phone number, a recipient's name, a remittance authentication password, and a remittance amount from the user's terminal;
If the password for remittance authentication matches the previously registered password, transmitting the remittance information to the terminal of the recipient corresponding to the telephone number and requesting acceptance;
Accepting the remittance information, the name of the recipient, and receiving bank account information to be remitted from the recipient's terminal; And
Remittance processing of the remittance amount to the recipient's bank account through firm banking upon acceptance of the recipient; Including,
The registration process,
Remittance of a certain amount for account authentication to the user's account;
A process of performing authentication processing for the account using at least one of a remittance identification number and a deposit detail of the account according to the remittance of the predetermined amount; including,
The transmitting process,
After the remittance amount is deposited from the account registered by the user to the mother account of the remittance service opened in the financial sector, a notification message including the remittance information is delivered through at least one of a notification page related to the remittance service and a text service (SMS). and,
The process of receiving the bank account information to be remitted is,
To the recipient's terminal, a remittance method in which the remittance amount is remitted to an account associated with the service account of the remittance service as a receiving method for the remittance amount, and a part of the remittance amount is remitted to the account by dividing the remittance amount, and the remainder is remitted to the account. After providing a menu for selecting any one of the remittance methods for converting to electronic money linked to the service account of the remittance service, the recipient's terminal receives the selection of the receiving method together with the acceptance of the remittance information, and ,
The process of remittance processing,
A remittance system, wherein direct remittance is serviced between individuals without separate authentication from a financial institution by allowing remittance processing from the mother account to the recipient's bank account through the firm banking, and remittance processing according to a receiving method selected by the recipient. The method of claim 14,
The at least one processor, according to the control of the program,
The process of managing the service account and recipient name of the remittance service with remittance history in relation to the user's terminal as a remittance friend list
Processing,
The process of receiving the remittance information,
After providing the remittance friend list to the user's terminal, receiving a selection for a specific target included in the remittance friend list from the user's terminal
Remittance system, characterized in that. The method of claim 14,
The process of receiving the remittance information,
In the process of selecting a recipient, accessing the address book stored in the user's terminal or providing the address book in connection with an application that manages an address book related to the user's terminal, and then selecting a specific target included in the address book from the user's terminal Receiving
Remittance system, characterized in that. delete delete delete delete The method of claim 14,
The at least one processor, according to the control of the program,
The process of canceling the remittance pending reception for which the recipient has not accepted the remittance reception according to the user's terminal cancellation request, or canceling the remittance pending reception when the recipient does not accept the remittance reception within a certain period of time
Remittance system to process. delete

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