KR102337429B1 - Apparatus of providing settlement service for minor - Google Patents

Abstract

The present invention relates to a technology for providing a payment service for minors based on a virtual account. A deposit request receiving unit that receives a deposit request together with payment details information including account number, payment amount, and deposit account number, determines whether the parent terminal agrees to transfer the payment amount, and if there is consent, through the bank server A transfer processing unit that processes the transfer of the payment amount from the real account linked to the virtual account number to the deposit account number, and virtual pocket money including a limit and period is paid to the virtual account number and there is a request for withdrawal of the pocket money includes an allowance management unit for processing the requested amount to be withdrawn from the parent's real account.

Description

Device for providing payment service for minors based on virtual accounts {APPARATUS OF PROVIDING SETTLEMENT SERVICE FOR MINOR}

The present invention relates to a technology for providing a payment service for minors, and more particularly, to give minors a virtual account linked to their parent's account to directly pay pocket money, school expenses, etc. It relates to an account-based payment service providing device for minors.

A virtual account is a kind of electronic wallet that has the same characteristics as a real account that can be charged with real money, transferred between accounts, paid for goods, and withdrawn in cash. In general, the methods of recharging virtual accounts include direct deposit, internet banking, and automatic transfer.

Recently, a payment service using a virtual account has been widely used. The virtual account payment service is a payment service that completes the payment when the customer receives a virtual account number and deposits the selected amount into the corresponding virtual account, and has the advantage of being able to efficiently manage deposit and withdrawal transaction details.

On the other hand, parents of underage children are issued a prepaid recharge card to manage their children's pocket money, recharge the specified amount, and use it within the specified amount. It is cumbersome, such as visiting the school directly or paying for it.

Korean Patent Publication No. 10-1871312 (2018.06.20) relates to a system, server and method for providing a payment service for minors, and notifies payment identification when a minor payment terminal receives a request for cash payment, and the provider terminal provides cash payment After requesting to the minor payment terminal, the payment is requested according to the payment identification notified from the minor payment terminal, and the minor payment service providing server receives a payment request from the provider terminal, transfers cash to the provider's virtual account, and at the same time grants payment approval After requesting, the payment approval is notified and the provider's virtual account is transferred from the provider's virtual account to the provider's deposit account. Disclosed is a technology implemented to enable direct cash settlement using

Korean Patent Publication No. 10-0488291 (April 29, 2005) relates to a method of recharging/settling a virtual account, by connecting the user's real account balance for each bank to the corresponding bank server through a screen scraping engine installed in the user's terminal. Checking a real withdrawal account from which you can inquire and withdraw the charged amount; After confirming the withdrawal real account, select a withdrawal real account in the user terminal and charge the withdrawal real account into a child account of a virtual account server opened in the same bank as the withdrawal real account transferring an amount; performing, by the screen scraping engine in the virtual account server, deposit confirmation for the child account of the virtual account server in contact with a corresponding bank server; Using screen scraping and a child account opened for each bank, comprising the steps of recharging an amount, and transferring the corresponding amount from the parent account of the virtual account server to the requested real account when a request for refund of the balance of the virtual account is requested Initiate a technology that reduces the user's transfer fee burden and enables efficient fund transfer.

Korean Patent Publication No. 10-1871312 (2018.06.20) Korean Patent Publication No. 10-0488291 (2005.04.29)

An embodiment of the present invention provides a device for providing a payment service for minors based on a virtual account that allows minors to directly pay pocket money, school expenses, etc. by giving them a virtual account linked to their parent's account, and the corresponding expenses are paid from the linked parent's account want to

In one embodiment of the present invention, the available range of amount, period, use, etc. is determined to a minor, and a real payment card is issued to which a virtual account number is given, so that card payment can be made directly within the usable range, and payment details are provided to parents We want to provide a device for providing payment service for minors based on a virtual account that can be provided and verified.

An embodiment of the present invention provides a device for providing a payment service for minors based on a virtual account that can periodically charge virtual pocket money to a virtual account number and transfer and pay from the parent's real account connected to the virtual account number when using the virtual pocket money would like to provide

In embodiments, the device for providing a payment service for minors based on a virtual account creates a virtual account connected to the parent's real account and provides the virtual account to the minor child of the parent, the virtual account from the payment terminal A deposit request receiving unit that receives a deposit request together with payment history information including number, payment amount, and deposit account number, determines whether the parent terminal agrees to transfer the payment amount, and if there is consent, the virtual A transfer processing unit that processes to transfer the payment amount from the real account linked to the account number to the deposit account number, and virtual allowance including a limit and period are paid to the virtual account number and when there is a request for withdrawal of the allowance and an allowance management unit for processing the requested amount to be withdrawn from the parent's real account.

The virtual account providing unit may connect and store the virtual account with the parent's real account and issue and provide a virtual payment card to which the virtual account number is assigned.

The virtual account providing unit may designate a charge amount and an expiration period to the virtual account so that payment is made within a limit of the charge amount during the validity period, and may redesignate the recharge amount and the expiration period at regular intervals.

The deposit request receiving unit determines whether the virtual account is valid based on the validity period information specified in the account number when there is a deposit request from the payment terminal, and when it is not valid, the virtual account is sent to the parent terminal. You can request to redefine the recharge amount and expiry date.

The deposit request receiving unit may determine whether a payment purpose is within a range designated by a parent based on the payment history information, and if out of the range, notify the payment terminal of the inability to deposit.

The transfer processing unit may receive confirmation by providing the payment details of the underage child to the parent terminal through a push notification or a text message through a chatting app with the parent terminal.

The transfer processing unit may receive transfer detail information from the bank server and notify the transfer result to the parent terminal and the payment terminal.

When the remaining limit of the virtual account number falls below a certain amount, the pocket money management unit manages the limit of the virtual account by requesting a charge to the parent terminal, and withdraws cash for the virtual account through an ATM or the underage child terminal If there is a request, cash may be withdrawn from the parent's real account linked to the virtual account number through the bank server to the ATM.

The disclosed technology may have the following effects. However, this does not mean that a specific embodiment should include all of the following effects or only the following effects, so the scope of the disclosed technology should not be understood as being limited thereby.

The device for providing a payment service for minors based on a virtual account according to an embodiment of the present invention can directly pay pocket money, school expenses, etc. by giving the minors a virtual account linked to the parent's account, and the payment cost is the parent linked to the virtual account You can make payments from your account.

The device for providing a payment service for minors based on a virtual account according to an embodiment of the present invention issues a physical payment card in the person's name to a minor, and pays directly through the payment card for a limited amount within a set validity period without using a card in the parent's name Theft can be prevented by providing the payment details to the parents for confirmation.

The device for providing a payment service for minors based on a virtual account according to an embodiment of the present invention periodically charges virtual pocket money to a virtual account number and pays by transferring the virtual pocket money from the parent's real account connected to the virtual account number when using the virtual pocket money, You can manage your child's pocket money use.

1 is a view for explaining a system for providing a payment service for minors based on a virtual account according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating the physical configuration of the device for providing payment services for minors in FIG. 1 .
FIG. 3 is a block diagram illustrating the functional configuration of the device for providing payment services for minors in FIG. 1 .
4 is a flowchart illustrating an embodiment of a process of providing a payment service for minors based on a virtual account in the device for providing payment services for minors in FIG. 1 .
FIG. 5 is an exemplary screen view illustrating a payment content notification form provided to the parent terminal in FIG. 1 .

Since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiment described in the text. That is, since the embodiment may have various changes and may have various forms, it should be understood that the scope of the present invention includes equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all of them or only such effects, it should not be understood that the scope of the present invention is limited thereby.

On the other hand, the meaning of the terms described in the present application should be understood as follows.

Terms such as “first” and “second” are for distinguishing one component from another, and the scope of rights should not be limited by these terms. For example, a first component may be termed a second component, and similarly, a second component may also be termed a first component.

When a component is referred to as being “connected to” another component, it may be directly connected to the other component, but it should be understood that other components may exist in between. On the other hand, when it is mentioned that a certain element is "directly connected" to another element, it should be understood that the other element does not exist in the middle. Meanwhile, other expressions describing the relationship between elements, that is, "between" and "between" or "neighboring to" and "directly adjacent to", etc., should be interpreted similarly.

The singular expression is to be understood as including the plural expression unless the context clearly dictates otherwise, and terms such as "comprises" or "have" refer to the embodied feature, number, step, action, component, part or these It is intended to indicate that a combination exists, and it should be understood that it does not preclude the possibility of the existence or addition of one or more other features or numbers, steps, operations, components, parts, or combinations thereof.

In each step, identification numbers (eg, a, b, c, etc.) are used for convenience of description, and identification numbers do not describe the order of each step, and each step clearly indicates a specific order in context. Unless otherwise specified, it may occur in a different order from the specified order. That is, each step may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs, unless otherwise defined. Terms defined in general used in the dictionary should be interpreted as having the meaning consistent with the context of the related art, and cannot be interpreted as having an ideal or excessively formal meaning unless explicitly defined in the present application.

1 is a view for explaining a system for providing a payment service for minors based on a virtual account according to an embodiment of the present invention.

Referring to FIG. 1 , the system 100 for providing payment service for minors based on a virtual account includes a minor terminal 110 , a virtual payment card 120 , a parent terminal 130 , a payment terminal 140 , a bank server 150 and A minor payment service providing device 160 may be included.

The minor terminal 110 may correspond to a computing device that can request a virtual account recharge from the parent terminal 130 as a guardian and can inquire about the balance and charging status of the virtual account, and may be implemented with a smartphone, laptop or computer. and may be implemented in various devices, such as a tablet PC, without necessarily being limited thereto.

The virtual payment card 120 may correspond to a real IC card to which a virtual account number is assigned. The virtual payment card 120 may include a virtual account number and a microcomputer and memory embedded in a plastic card of the same size and thickness as a debit card or a credit card. The virtual payment card 120 may be issued through a financial institution such as a bank in which the parent's real account is opened or a payment service provider for minors under parental consent. The virtual payment card 120 may have a limited amount of one-time recharge, an expiration date may be determined for the one-time charge amount, and a use such as pocket money and school fees payment may be determined. The virtual payment card 120 may be automatically charged with a specified amount on a set date once a month. For example, the virtual payment card 120 may be used as an allowance card in which 50,000 won is automatically charged on the first day of every month. The virtual payment card 120 may be charged immediately with the permission of the parent according to the user's charging request.

The parent terminal 130 is a computing device that can receive payment details whenever a payment request is made for the virtual payment card 120 possessed by the minor child and can consent to the payment amount being transferred from the real account connected to the virtual account number. It may be applicable, and may be implemented as a smartphone, a notebook computer, or a computer, and is not necessarily limited thereto, and may be implemented in various devices such as a tablet PC. The parent terminal 130 may determine whether to agree to the transfer with respect to the payment request of the payment terminal 140 , and when the transfer consent is obtained, the corresponding amount is transferred from the real account connected to the virtual account to the designated account of the payment terminal 140 . can After the transfer is completed, the parent terminal 130 may receive transfer detail information from the bank server 150 or the minor payment service providing device 160 of the real account.

The payment terminal 140 may correspond to a point of sale (POS) provided for payment to a merchant that sells goods or provides a service, and is not limited thereto, but using the virtual payment card 120 presented by a minor It may be implemented as a computing device capable of performing payment. In one embodiment, the payment terminal 140 transmits the amount to be paid together with the virtual account number read from the virtual payment card 120 to the minor payment service providing device 160 to request a transfer and information indicating that the transfer is complete Upon receipt, a payment receipt can be issued.

The bank server 150 may issue the virtual payment card 120 to which the virtual account number is assigned, and according to the Internet banking, direct deposit, and ATM deposit attempts through the parent terminal 130, the payment destination designated account in the parent's real account to transfer the payment amount, and to notify the completion of the transfer to the minor payment service providing device 150 .

The minor payment service providing device 160 may issue a virtual account to a minor child, and may notify the parent terminal 130 of the real account connected to the virtual account for payment details in response to a payment request based on the virtual account, and transfer It may be implemented as a server corresponding to a computer or program capable of checking. Here, the virtual account may be issued through the bank server 150 , and in this case, the minor payment service providing device 160 provides the virtual account and real account information connected thereto through the bank server 150 or the parent terminal 130 . can receive and manage. The minor payment service providing device 160 may be connected to the payment terminal 140 through a network, may receive payment related information from the payment terminal 140 , and may have a real account name connected to a virtual account number included in the payment related information. It is possible to provide payment details to the parent terminal 130 of the via a chat app as a push notification or text message. The minor payment service providing device 160 may provide a payment content notification to the parent terminal 130 . In one embodiment, the minor payment service providing device 160 may receive the transfer information from the bank server 150 and may transmit the transfer information to the minor terminal 110 and the payment terminal 140, respectively.

In one embodiment, the minor payment service providing device 160 may link the database and store the virtual account issued to the minor child in connection with the parent's real account. The minor payment service providing device 160 may be implemented by including a database therein, if necessary. In addition, the minor payment service providing apparatus 160 may be implemented including a processor, a memory, a user input/output unit, and a network input/output unit, which will be described in more detail with reference to FIG. 2 .

FIG. 2 is a block diagram illustrating the physical configuration of the device for providing payment services for minors in FIG. 1 .

Referring to FIG. 2 , the minor payment service providing apparatus 160 may include a processor 210 , a memory 230 , a user input/output unit 250 , and a network input/output unit 270 .

The processor 210 may execute each procedure for providing pocket money payment and school fee payment services to minors based on the virtual account, and may manage the memory 230 that is read or written throughout the process, the memory A synchronization time between the volatile memory and the non-volatile memory in 230 may be scheduled. The processor 210 may control the overall operation of the minor payment service providing device 160 , and is electrically connected to the memory 230 , the user input/output unit 250 and the network input/output unit 270 to control the data flow between them. can be controlled The processor 210 may be implemented as a CPU (Central Processing Unit) of the minor payment service providing device 160 .

The memory 230 is implemented as a non-volatile memory, such as a solid state disk (SSD) or a hard disk drive (HDD), and may include an auxiliary storage device used to store overall data required for the minor payment service providing device 160. and may include a main memory implemented as a volatile memory such as random access memory (RAM).

The user input/output unit 250 may include an environment for receiving a user input and an environment for outputting specific information to the user. For example, the user input/output unit 250 may include an input device including an adapter such as a touch pad, a touch screen, an on-screen keyboard, or a pointing device, and an output device including an adapter such as a monitor or a touch screen. In an embodiment, the user input/output unit 250 may correspond to a computing device accessed through remote access, and in such a case, the minor payment service providing device 160 may be performed as a server.

The network input/output unit 270 includes an environment for connecting with an external device or system through a network, for example, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN) and a VAN (VAN). It may include an adapter for communication such as Value Added Network).

FIG. 3 is a block diagram illustrating the functional configuration of the device for providing payment services for minors in FIG. 1 .

Referring to FIG. 3 , the minor payment service providing device 160 may include a virtual account providing unit 310 , a deposit request receiving unit 330 , a transfer processing unit 350 , an allowance management unit 370 , and a control unit 390 . have.

The virtual account providing unit 310 may create a virtual account connected to the parent's real account and provide the virtual account to the minor child of the parent. In one embodiment, the virtual account providing unit 310 may connect and store the virtual account with the parent's real account and issue and provide the virtual account with the virtual payment card 120 to which the virtual account number is assigned. Here, the virtual payment card 120 may be issued in the form of a plastic IC card that a minor child can hold, and may store a virtual account number.

In one embodiment, the virtual account providing unit 310 may designate a charge amount and an expiration period to the virtual account so that payment can be made within the limit of the charge amount during the validity period, and reload the recharge amount and the validity period at regular intervals. can be specified. The virtual account providing unit 310 may manage the current balance and the validity period of the virtual account.

The deposit request receiving unit 330 may receive a deposit request from the payment terminal 140 together with payment history information including a virtual account number, a payment amount, and a deposit account number. In one embodiment, the deposit request receiving unit 330 may determine whether the virtual account is valid based on the validity period information specified in the account number when there is a deposit request from the payment terminal 140 , and if not valid, the parent terminal You can request 130 to re-specify the recharge amount and expiration date of the virtual account.

In one embodiment, the deposit request receiving unit 330 may determine whether the payment purpose is within the range specified by the parent based on the payment history information, and if it is out of the specified range, notifies the payment terminal 140 of the inability to deposit. can do. Here, the payment purpose may be designated in advance in the issuance process of the virtual payment card 120 or may be designated through parental confirmation in the payment process. For example, payment destinations such as academies, bookstores, stationery, snack shops, and convenience stores can be designated, and payment items such as books and stationery can be designated. The deposit request receiving unit 330 may receive confirmation of payment details from the parent terminal 130 before notifying the payment terminal 140 of the inability to deposit when the payment purpose is out of the specified range.

The transfer processing unit 350 may determine whether to consent to the transfer of the payment amount of the parent terminal 130, and if there is consent, the payment amount is transferred from the real account connected to the virtual account number through the bank server 150 to the deposit account number. It can be processed for transfer. In one embodiment, the transfer processing unit 350 may be confirmed by providing the payment details of the underage child to the parent terminal 130 via a push notification or a text message through a chatting app with the parent terminal 130 .

The bank server 150 may transfer an amount corresponding to the payment amount among the amounts included in the parent's real account number to the deposit account according to the transfer request of the transfer processing unit 350 . Here, the process of performing the transfer from the parent's real bank account to the deposit account through the bank server 150 may be obvious to those skilled in the art, even if not specifically described.

The transfer processing unit 350 may receive transfer detail information from the bank server 150 and notify the transfer result to the parent terminal 130 and the payment terminal 140 . Here, the transfer history information may include a withdrawal account (parent's real account), a transfer amount, and deposit account information. The parent terminal 130 may confirm that the transfer has been completed through the transfer history information. The payment terminal 140 may confirm that the deposit has been completed through the transfer history information and may issue a payment receipt.

The pocket money management unit 370 may pay a virtual pocket money including a limit and a period to the virtual account number, and when there is a request to withdraw the pocket money, it may process the requested amount to be withdrawn from the parent's real account. In an embodiment, when the remaining limit of the virtual account number falls below a certain amount, the pocket money management unit 370 may manage the limit of the virtual account by requesting a charge to the parent terminal 130 . The pocket money management unit 370 may be charged immediately by limiting the one-time charging amount, and may be charged regularly by designating a date and amount once a month. Underage children may request cash withdrawal through an ATM using the virtual payment card 120 they possess, and may request cash withdrawal by accessing the network through the minor terminal 110 near the ATM.

In one embodiment, the pocket money management unit 370 receives cash from the parent's real account connected to the virtual account number through the bank server 150 when there is a request for withdrawing cash from the virtual account through the ATM or the minor terminal 110 . Cash can be withdrawn from an ATM machine. The pocket money management unit 370 may notify the parent terminal 130 of the lack of balance when the virtual account lacks the balance so that the money can be withdrawn after charging.

The controller 390 may control the overall operation of the device for providing payment service for minors based on a virtual account 160 , and may include a virtual account providing unit 310 , a deposit request receiving unit 330 , a transfer processing unit 350 , and an allowance management unit ( 370) can control the data flow between them.

4 is a flowchart illustrating an embodiment of a process of providing a payment service for minors based on a virtual account in the device for providing payment services for minors in FIG. 1 .

In Figure 4, the minor payment service providing device 160 generates a virtual account number connected to the parent's real account (step S410). Here, the virtual account number may be issued and provided to the minor child of the parent in the form of a plastic IC card. A minor child can make a payment based on the virtual account through the card to which the virtual account is granted.

The minor payment service providing device 160 receives a deposit request from the payment terminal 140 for the payment of a minor child based on a virtual account (step S430). Here, the payment terminal 140 may make a deposit request together with payment history information including the virtual account number, the payment amount, and the deposit account number read from the virtual payment card 120 .

The minor payment service providing device 160 notifies the parent terminal 130 of the payment details, checks whether the transfer is or not, and processes the transfer from the parent's bank account connected to the virtual account number (step S450). Here, the payment content may include a virtual account number, a payment amount, and deposit account information. Payment contents may be provided to the parent terminal 130 through a push notification or a text message through a chatting app, and the notification may be provided in various ways without being limited thereto. The parent terminal 130 may check the details of the payment of the underage child in real time and determine whether to consent to the transfer, so that only the payment approved (permitted) by the parent is transferred.

The minor payment service providing device 160 pays virtual pocket money to the virtual account number, and when there is a request for cash withdrawal of pocket money, the requested amount is withdrawn from the parent's bank account (step S470).

FIG. 5 is an exemplary screen view showing a payment content notification form provided to the parent terminal in FIG. 1 .

Referring to FIG. 5 , a notification of payment details based on a virtual account of an underage child may be provided to the parent terminal 130 in real time as a text message. In the minor payment service providing device 160 according to an embodiment, the parent terminal 130 registered as a guardian notifies the payment details including at least the payment amount, and inquires whether to agree to the transfer, the answer may be provided by text.

The device for providing a payment service for minors based on a virtual account according to an embodiment provides a virtual account to minors to directly pay pocket money, school expenses, etc. monitor and prevent inappropriate payment behavior and child use of a parent's card.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention within the scope without departing from the spirit and scope of the present invention as set forth in the claims below. You will understand that it can be done.

100: A system for providing payment service for minors based on virtual accounts
110: minor terminal 120: virtual payment card
130: parent terminal 140: payment terminal
150: Bank server 160: Minors payment service providing device
210: processor 230: memory
250: user input/output unit 270: network input/output unit
310: virtual account providing unit 330: deposit request receiving unit
350: transfer processing unit 370: pocket money management unit
390: control unit

Claims (8)

a virtual account providing unit that creates a virtual account connected to the parent's real account, stores the virtual account number, and provides a virtual payment card in a physical form with a specified amount limit and expiration date to the minor child of the parent;
Receive a deposit request together with payment history information including the virtual account number, payment amount, and deposit account number from the payment terminal, and check whether the virtual account is valid and the purpose of payment is within the range specified by the parent from the payment history information a deposit request receiving unit that determines whether or not and notifies the payment terminal of the inability to deposit when it is out of the range;
a transfer processing unit that determines whether the parent terminal agrees to transfer the payment amount and, if there is consent, transfers the payment amount from the real account connected to the virtual account number to the deposit account number through a bank server; and
Comprising a pocket money management unit that pays virtual pocket money including a limit and a period to the virtual account number and processes the request amount to be withdrawn from the parent's real account when there is a request for withdrawal of the pocket money,
The virtual account providing unit
In the process of providing the virtual payment card, a one-time recharge amount, a payment purpose including an expiration date, a payment destination and a payment item for the one-time recharge is specified,
The deposit request receiving unit
Whether the virtual account is valid is determined based on the validity period information specified in the virtual account number among the payment history information received along with the deposit request from the payment terminal, and if not valid, the virtual account is charged to the parent terminal Request to re-specify the amount and validity period, determine whether the payment purpose is within a specified range based on the payment history information, and, if out of the specified range, before notifying the payment terminal of the inability to deposit, the parent terminal Receive payment confirmation in
The transfer processing unit
A device for providing a payment service for minors based on a virtual account, characterized in that the payment of the underage child is provided to the parent terminal through a push notification or a text message through the chatting app with the parent terminal to receive confirmation.
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