KR102202238B1 - Method and apparatus for processing finance data using common virtual account service - Google Patents

Abstract

A data storage unit for storing a database for processing financial data using a common virtual account service; And a processor, wherein the processor may request a bank server to obtain a public virtual account for each seller server, and store public virtual account information issued for each seller server in the database. The processor generates a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal and transmits it to the buyer terminal. When a transaction is concluded between the buyer terminal and the seller server from the buyer terminal, the common virtual account corresponding to the seller server The account number, identification number corresponding to the purchaser terminal, and transaction amount information may be stored in the database. When there is a deposit request from the purchaser terminal, the processor determines whether the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal. You can accept the deposit.

Description

A method of processing financial data using a public virtual account service and its device {METHOD AND APPARATUS FOR PROCESSING FINANCE DATA USING COMMON VIRTUAL ACCOUNT SERVICE}

The present invention relates to a method and apparatus for processing financial data using a common virtual account service.

In general, for virtual account services, when a customer deposits (account transfer) into a virtual account using the counter of the main bank or other bank, PC banking, Internet banking, phone banking, and ATM, the funds are deposited into the parent account of the affiliated institution. There is a deposit management-type virtual account service mainly used by businesses who need various payments, which is a transaction method in which transaction information deposited to a virtual account is transmitted to affiliated institutions in real time to organize deposits.

In addition, when a customer requests cash withdrawal (account transfer) by using an affiliated cash card at the primary bank or other bank's ATM machine used by various customer card issuing companies of the primary bank, the primary bank will transfer to the affiliated institution's customer account. There is a withdrawal management virtual account service in which funds are withdrawn from the parent account of the affiliated institution after a request for withdrawal clearance is requested and a notification of completion of the withdrawal clearance is received.

In addition, the virtual account assigned to the customer of the affiliated institution, which is mainly used by businesses that need to provide various information, is used as the customer's identification number, and the virtual account number or the affiliated cash card is used at a bank window, PC banking, Internet banking, phone banking, and ATM. Information-providing virtual in which the affiliated organization delivers the necessary information through channels such as those of the affiliated organization, or when the affiliated organization's customer requests the necessary information through the bank's channel through the opposite route. There is an account service.

Looking at fund collection services such as domestic banks' university tuition payment or remittance for insurance premium recruiters, a small and large number of cases are received from a large number of subscribers to a single parent account for university tuition payment or remittance of insurance premium collectors. In the case of a company that is required to receive funds, in order to accurately match the deposit details of the parent account with the subscriber without error, it is necessary to enter into a fund collection business contract in advance with the bank. Additional information negotiated separately from the general account deposit, namely student's student ID, insurance In accordance with the rules for inputting the recruiter code and the EDI rules for transmitting the transaction information, information sent from the bank is used every day.In the case of the bank, the fund collection business is the general account deposit business and the parent account. Due to the nature of the business that requires separate input of the customer's subscriber information, the problem of avoiding the fund collection business due to the cumbersomeness of having to make a separate transaction for the transaction, the longer processing time of the counter staff, and the lighting that is difficult to process through various channels other than the counter In the case of a trading company, there is a problem in that there is an additional fee burden besides the general deposit business, as well as the need to enter into a fund collection business contract with many banks for the convenience of customers.

On the other hand, as the number of virtual accounts increases as the number of customers increases, the number of virtual accounts must be increased as the number of virtual accounts increases.

As the number of virtual accounts increases, there is a problem in that operation and management costs increase accordingly and management of virtual accounts is difficult.

An object to be solved by the present invention is to provide a method and apparatus for processing financial data using a common virtual account service capable of processing various financial data by effectively using a limited number of virtual accounts.

According to the present invention, a data storage unit for storing a database for processing financial data using a common virtual account service; And a processor, wherein the processor may request a bank server to obtain a public virtual account for each seller server, and store public virtual account information issued for each seller server in the database.

The processor generates a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal and transmits it to the buyer terminal. When a transaction is concluded between the buyer terminal and the seller server from the buyer terminal, the common virtual account corresponding to the seller server The account number, identification number corresponding to the purchaser terminal, and transaction amount information may be stored in the database.

When there is a deposit request from the purchaser terminal, the processor determines whether the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal. You can accept the deposit.

Here, if the processor does not match as a result of the determination, the common virtual account service server may transmit an error message to the purchaser terminal and reject the corresponding deposit.

According to another aspect of the present invention, for a method of processing financial data using a public virtual account service, a public virtual account service server requests a bank server to obtain a public virtual account for each seller server, and a common virtual account issued for each seller server. Account information can be stored in the database.

The public virtual account service server may generate a public virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal and transmit it to the buyer terminal.

When a transaction is concluded between the buyer terminal and the seller server from the buyer terminal, the public virtual account service server may store a common virtual account number corresponding to the seller server, an identification number corresponding to the buyer terminal, and transaction amount information in the database.

The public virtual account service server checks whether the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal when a deposit request is made from the purchaser terminal. By judging, you can accept the deposit.

Here, the identification number may include the last digit of the phone number and the name of the depositor.

According to the present invention, it is possible to effectively implement fund management and withdrawal from purchase by using a public virtual account.

According to the present invention, it is possible to process the purchase price of a large number of customers by using only a limited number of virtual accounts.

1 is a view for explaining a financial data processing apparatus using a common virtual account service according to an embodiment of the present invention.
2 is a diagram illustrating a method of processing financial data using a common virtual account service according to an embodiment of the present invention.

Since the present invention can make various changes and have various embodiments, specific embodiments are illustrated in the drawings and will be described in detail in the detailed description. However, this is not intended to limit the present invention to a specific embodiment, it is to be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining a financial data processing apparatus using a common virtual account service according to an embodiment of the present invention.

Referring to FIG. 1, a common virtual account service system according to an embodiment of the present invention includes a bank server, a buyer terminal, a seller server, a common virtual account service server, and a money operation terminal.

The bank server issues a public virtual account for each seller server according to the request of the public virtual account service server.

Here, the public virtual account may include a virtual account allocated for each seller server. The public virtual account is configured so that a plurality of purchaser terminals can deposit funds by using a single virtual account allocated to an arbitrary seller server.

The common virtual account service server may include a data storage unit and a processor for storing a database for processing financial data using a common virtual account service.

The processor may request a bank server to obtain a common virtual account for each seller server, and store information on a common virtual account issued for each seller server in the database.

The processor generates a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal and transmits it to the buyer terminal. When a transaction is concluded between the buyer terminal and the seller server from the buyer terminal, the common virtual account corresponding to the seller server The account number, identification number corresponding to the purchaser terminal, and transaction amount information may be stored in the database.

When there is a deposit request from the purchaser terminal, the processor determines whether the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal. You can accept the deposit.

Here, if the processor does not match as a result of the determination, the common virtual account service server may transmit an error message to the purchaser terminal and reject the corresponding deposit.

The public virtual account service server requests a bank server to issue a public virtual account for each seller server.

The public virtual account service server stores public virtual account information issued for each seller server in a database.

Public virtual accounts can be issued for each bank. For example, one seller server can receive a separate public virtual account for each bank.

The public virtual account service server generates a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding purchaser terminal for each purchaser terminal and transmits it to the purchaser terminal.

The generated identification code information for each purchaser terminal is stored in the database of the public virtual account server.

When the buyer terminal enters into a transaction between the seller servers, the common virtual account service server transmits the common virtual account number corresponding to the seller server, the identification number corresponding to the corresponding buyer terminal, and transaction amount information to the buyer terminal.

The public virtual account service server stores identification number, transaction amount, and public virtual account number information in a database.

Accordingly, the purchaser terminal inputs the identification number information given from the common virtual account service server and deposits the transaction amount with the transmitted common virtual account number.

The public virtual account service server checks whether the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal when a deposit request is made from the purchaser terminal. Judge

The public virtual account service server accepts the deposit if it matches the determination result. However, if the determination result does not match, the public virtual account service server transmits an error message to the purchaser terminal and rejects the payment.

We will explain how to collect money using a public virtual account.

In the public virtual account, a virtual account is created with a deposit code designated by the company, and the deposit is received, and the deposit is notified to the company.

For example, '123456' and '1234 Hong Gil-dong' may be used.

The advantage is that there are tens of thousands or more combinations in one virtual account.

It is possible to change or delete the deposit code according to the company's situation.

It is possible to settle immediately different from the existing PG. However, you can set a percentage fee for deposit.

This is not a case-by-case fee, but may depend on the contract.

Remittance of charged money is possible.

When issuing a public virtual account, a 7-digit bank-restricted deposit code can be presented/selected by default.

1234 Hong Gil-dong, 2345 Yi Sun-shin, etc. Can be presented as a default for customers to decide.

The present invention may be based on internet banking. However, the present invention is not limited thereto, and deposit using a mobile communication terminal or ATM may be possible.

That is, any device that can modify the name of the sender is possible. However, if necessary, the application in ATM, for example, may be restricted.

When issuing a public virtual account, a deposit code can be specified. This may be possible by choosing a bank, for example.

You can guide the issuance of a public virtual account by presenting the last 4 digits of the phone number and your name on the UI.

For example, 1234 Hong Gil-dong, 4567 Yi Sun-shin, etc. can be designated or changed as default.

At this time, only 6 digits can be entered as a number, or it can be a number and a name. Individuals can choose any number of choices for banks. It can also be changed through deletion.

2 is a diagram illustrating a method of processing financial data using a common virtual account service according to an embodiment of the present invention.

Referring to FIG. 2, a method for processing financial data using a common virtual account service according to an embodiment of the present invention includes member creation and common virtual account between a bank server, a buyer terminal, a seller server, a common virtual account service server, and a fund operation terminal. Data processing for issuance process, public virtual account replenishment process, fund management and collection process, refund/repayment and withdrawal process may be performed.

In the member creation and public virtual account issuance process, you can choose a bank. For example, you can choose from 5 banks selectively or all.

When issuing a public virtual account, a deposit code can be specified. For this you can, for example, choose a bank. You can issue a public virtual account by presenting the name and the 4 digits at the back of the mobile phone in the UI. It can also perform a delete function for reassignment.

For example, 1234 Hong Gil-dong, 4567 Yi Sun-shin, etc. can be designated or changed as default.

You can check the new virtual account and guide the deposit code. For example, we can guide the success of the deposit only by depositing to 1234 Hong Gil-dong.

Deposits may be made to 1234 Hong Gil-dong.

Notify the company. SrcMemGuid is added to the parameter of the notification URL, so who made the deposit can be delivered.

The service charge balance of the company is increased, and transaction details can be viewed including tid.

Data can be adjusted as there is a reserve in the srcMeMuid.

Balance management can be performed by the company. In addition, it is possible to adjust such as sending a return investment bonus.

Investment can be made without authentication.

Withdrawals can be made to the loan mother account.

After performing the usual procedure, you can use the send money function to transfer money to the account where the name of the account holder has been searched.

Protection measures for API use can be prepared.

There may be companies that withdraw money continuously every time they are recharged.

In preparation for such a case, a fee may be charged for withdrawal from the platform mother account and remittance to the platform mother account in the fund management and collection process.

In addition, in order to prevent the use of the company's Safert amount as its own non-free remittance-only service, a fee can be charged when requesting remittance in the refund/repayment and withdrawal process and when requesting a remittance from the platform Safert balance.

In this case, the number and amount of withdrawals may be limited.

In the case of remittance, you may be charged a fee from the customer.

Deal amounts may not be measured. Therefore, you can charge a fee for any amount that is measured to be charged to a public virtual account. At this time, it can be set in a structure where no fee is incurred when reinvesting.

There is no text authentication, and there is no asynchronous time error when using a carrier or NOTI. Accordingly, the burden of the fee for each case may be offset.

By operating a public virtual account, all of the money charged by the customer can be used for operation.

In this case, if the customer requests withdrawal, a withdrawal delay may occur. So, you can run the process of delaying withdrawals or deposit extra funds in Seyfert. Here, the surplus fund may include the individual's reserves not invested in the deal.

Public virtual accounts can be used when receiving money from investors. Since a fee for recharging can be set, a loan recovery method can be used.

In order to secure the stability of the remittance distinction, the identification code may be, for example, a 4-digit identification code.

In addition, if there is a person who has the same name but has the same back seat of the mobile phone, it can be additionally assigned to a different virtual account number.

Public virtual account collection and notification, and the company's Safert recharge process can be performed.

Although the embodiments according to the present invention have been described above, these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent ranges of embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be determined by the following claims.

Claims (4)

A data storage unit for storing a database for processing financial data using a common virtual account service; And a processor,
The processor,
Request to a bank server to obtain a public virtual account for each seller server, store public virtual account information issued for each seller server in the database,
Generating a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal and transmitting it to the buyer terminal,
When a transaction is concluded between the buyer terminal and the seller server from the buyer terminal, the public virtual account number corresponding to the seller server and the identification number and transaction amount information corresponding to the corresponding buyer terminal are stored in the database,
When there is a deposit request from the purchaser terminal, it is determined whether the identification number, transaction amount, and public virtual account number stored in the database and the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal match, and deposit Accepting
The public virtual account is configured so that a plurality of buyer terminals can deposit funds using one virtual account allocated to a seller server,
The public virtual account is provided with a 7-digit bank-restricted deposit code when issuing the public virtual account so that it can be selected and designated by the customer,
Public virtual account issuance is performed by presenting the name and the 4 digits at the back of the mobile phone.
For example, a financial data processing device using a public virtual account service, characterized in that it is presented in the form of '1234 Hong Gil-dong' and '4567 Yi Sun-shin' so that the customer can determine it.
delete Receiving a public virtual account for each seller server by requesting the public virtual account service server from the bank server, and storing information on the public virtual account issued for each seller server in a database;
Generating, by the public virtual account service server, a common virtual account corresponding to the seller server and identification code information corresponding to the corresponding buyer terminal, and transmitting it to the buyer terminal;
When the public virtual account service server concludes a transaction between the buyer terminal and the seller server from the buyer terminal, the public virtual account number corresponding to the seller server, the identification number corresponding to the buyer terminal, and transaction amount information are stored in the database. ,
When the public virtual account service server receives a deposit request from the purchaser terminal, the identification number, transaction amount, and public virtual account number stored in the database match the identification number, transaction amount, and public virtual account number transmitted from the purchaser terminal. It includes the step of determining whether or not to accept the deposit,
The public virtual account is configured so that a plurality of buyer terminals can deposit funds using one virtual account allocated to a seller server,
The public virtual account is provided with a 7-digit bank-restricted deposit code when issuing the public virtual account so that it can be selected and designated by the customer,
Public virtual account issuance is performed by presenting the name and the 4 digits at the back of the mobile phone.
For example, a method of processing financial data using a public virtual account service, characterized in that it is presented in the form of '1234 Hong Gil-dong' and '4567 Yi Sun-shin' so that the customer can determine it. delete

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