KR102572349B1 - Management server using virtual account and method thereof - Google Patents

Abstract

The present invention relates to a virtual account management server and a management method thereof, and a virtual account management server according to an embodiment of the present invention includes a virtual account management unit that rents or issues virtual accounts to registered users and manages them, and the virtual account When receiving payment information of the membership card from the membership card management unit that rents and manages the membership card connected to and the company terminal, the balance of the user deposit account linked to the virtual account is inquired and if it is within the amount of the payment information, the above A payment management unit for transmitting to a user's preset user terminal and determining whether or not to approve the payment information according to whether or not the payment confirmation information is received from the user terminal; and receiving payment completion information for the payment information from the company terminal. and a transfer processing unit for deducting the amount used according to the payment information from the user's deposit account associated with the virtual account and transferring the amount to the account of the company terminal.

Description

Virtual account management server and its management method {MANAGEMENT SERVER USING VIRTUAL ACCOUNT AND METHOD THEREOF}

The present invention relates to a virtual account management server and a management method thereof, and more particularly, to a technology for intermediary payment of a membership card associated with a virtual account.

Recently, the number of foreign tourists coming to Korea for tourism is increasing due to the influence of the Korean Wave. These foreign tourists enjoy various cultural experiences and shopping in Korea. Foreign tourists are in a situation where they have to have a credit card that fits the credit card payment system established in Korea or exchange cash for use. However, if a foreigner exchanges a large amount of cash, there is a risk of loss or the like, and there is an inconvenience of having to exchange money again to return to the country. In particular, in the case of foreigners temporarily staying or corporations belonging to foreigners, it is difficult to open an account or issue a card in Korea, making it difficult to use the phone or make financial transactions.

Among the prior art, Korean Patent Publication No. 10-2009-0114518 (published on November 04, 2009) relates to "a method and system for operating a foreign tourist card and a recording medium therefor," which is issued to foreign tourists. The information on the date and time of entry of the foreign tourist and the date and time of departure are linked and stored in the memo provided on the card for the foreign tourist, and confirmation of the arrival (or passing) of the expected date and time of entry of the foreign tourist, confirmation of the entry of the foreign tourist, or the foreign tourist Disclosed is a technique for activating or deactivating the free transportation fare function when an activation condition and a deactivation condition of the free transportation fare function included in the card are checked through any one of card issuance checks.

However, the above conventional technology has limitations in that it is difficult for foreigners to check the details of their payment in Korea, and that foreigners must use a domestic charging station or bank to use a membership card.

A technical problem to be solved by the present invention is to provide a virtual account management server and method for providing and using virtual accounts to users who do not have domestic bank accounts, such as foreigners and short-term residents.

In addition, it is to provide a virtual account management server and method capable of preventing illegal virtual account issuance by issuing a virtual account to an authenticated user by comparing the user's passport information, digital signature, and biometric information.

In addition, it is to provide a virtual account management server and method capable of notifying whether the user can use the means of transportation by comparing the balance of the user's deposit account linked to the virtual account with the fare according to the destination when the user uses the means of transportation. .

A virtual account management server according to an embodiment of the present invention comprises: a virtual account management unit for renting or issuing and managing virtual accounts for registered users; a membership card management unit for renting and managing membership cards linked to the virtual account; When payment information of the member card is received from the terminal, the balance of the user's deposit account linked to the virtual account is inquired, and if it is within the amount of the payment information, it is transmitted to the user's preset user terminal, and from the user terminal A payment management unit that determines whether or not to approve the payment information according to whether payment confirmation information is received, and when payment completion information for the payment information is received from the company terminal, the payment information is sent from the user deposit account linked to the virtual account. and a transfer processing unit for deducting the amount of money used and transferring the amount to the account of the company terminal.

In addition, the membership card management unit may manage the membership card to be installed as an electronic card in the form of an application in the user terminal.

In addition, the membership card management unit issues the membership card linked to the virtual account from an external financial institution and allows the member to rent and use the issued membership card, and the transfer processing unit transfers the membership card from the company terminal. Upon receiving the approval information of the financial institution upon use, the usage amount may be deducted from the user's deposit account linked to the virtual account and transferred to the financial institution.

In addition, the payment management unit may approve payment when authentication information is received from the user terminal after the payment information is received from the company terminal of the external shopping mall.

In addition, the transfer processing unit may deduct at least one of voice, text, and data communication charges of the user terminal from a user deposit account associated with the virtual account and transfer them to an account of the communication server.

In addition, after acquiring the identification code formed on the means of transportation with the user terminal and inputting destination information, if the fare is within the balance of the user's deposit account linked to the virtual account, transfer the fare to the means of transportation, When the fare exceeds the balance of the user's deposit associated with the virtual account, a balance shortage alarm may be transmitted to the means of transportation and the user terminal.

In addition, when the payment processing unit includes coupon information in the payment information, upon receiving the payment completion information, the amount obtained by discounting the coupon amount from the amount used is deducted from the user deposit account linked to the virtual account, and the company terminal can be transferred to the account of

In addition, the verification unit may further include a verification unit for transmitting verification information to the user terminal at a predetermined time period and inactivating the virtual account when verification confirmation information for the verification information is not received from the user terminal within a predetermined time period. .

On the other hand, a method for managing a virtual account management server according to another embodiment of the present invention includes a virtual account management step of renting or issuing a virtual account to a user who has registered as a member, and renting and managing a membership card connected to the virtual account and, when receiving payment information of the member card from the company terminal, the balance of the user's deposit account linked to the virtual account is inquired, and if it is within the amount of the payment information, it is sent to the user's preset user terminal. and a payment management step of determining whether or not to approve the payment information according to whether payment confirmation information is received from the user terminal, and linking with the virtual account when payment completion information for the payment information is received from the company terminal. and a transfer processing step of deducting the amount used according to the payment information from the user's deposit account and transferring the amount to the account of the company terminal.

Accordingly, virtual accounts are provided to users who do not have domestic bank accounts, such as foreigners residing for a short term, workers or travelers, or people with low credit, so that they can conveniently conduct economic activities.

In addition, issuance of an illegal virtual account can be prevented by issuing a virtual account to an authenticated user by comparing the user's passport information, digital signature, and biometric information.

In addition, when the user uses the means of transportation, it is possible to notify whether the means of transportation can be used by comparing the fare according to the destination with the balance of the user's deposit account linked to the virtual account.

1 is a block diagram of a payment intermediary system.
2 is a configuration diagram of a virtual account management server according to an embodiment of the present invention.
Figure 3 is a flow chart of a payment intermediary method of the virtual account management server according to Figure 2.
4 is an exemplary view for explaining that the virtual account management server according to FIG. 2 provides virtual account information to a user terminal.
5 is an exemplary diagram for explaining payment processing through a shopping mall in the virtual account management server according to FIG. 2 .
6 and 7 are exemplary diagrams for explaining prepayment of fares by using means of transportation in the virtual account management server according to FIG. 2 .

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The terms used are terms selected in consideration of functions in the embodiment, and the meaning of the terms may vary depending on the intention of a user or operator or a precedent. Therefore, the meaning of terms used in the embodiments to be described later, when specifically defined in the present specification, follows the definition, and when there is no specific definition, it should be interpreted as a meaning generally recognized by those skilled in the art.

Referring to Figure 1, the payment intermediary system according to an embodiment of the present invention includes a company terminal 10, a user terminal 20 and a payment intermediary server (100).

The company terminal 10 is a terminal device that is installed in an affiliated store, etc. like a point of sale terminal (POS) terminal, inputs product sales information each time, and transmits it to a central computer via a communication line. The company terminal 10 is a store-specific terminal and is a device that collects, stores, and transmits product information or customer information at the point of sale. The company terminal 10 can be connected to a barcode reader, an optical character reader, a magnetic card reader, an automatic meter, and the like, and can configure a system tailored to a store.

In addition, the company terminal 10 may recognize the membership card. The membership card is a card that shares card information in the virtual account server 30 and the payment intermediary server 100 to be described later. The membership card refers to a card that can be used like cash by using a virtual account on the Internet without opening an account at a general bank. For example, foreigners can use cyber money charged in their country abroad using a virtual account on the Internet without opening a separate bank account in Korea. In this case, the member card may be formed to be recognized by the company terminal 10 by forming a magnetic stripe or an IC chip.

The user terminal 20 means a mobile communication terminal used by a user. The user terminal 20 can sign up for a mobile communication service by using the rental virtual account when the user receives it. For example, the user terminal 20 is preferably equipped with a GPS, camera, communication module. The user terminal 20 may communicate with the payment intermediary server 100 . The user terminal 20 may check whether the payment information is approved for use from the payment intermediary server 100 . It is also possible that a financial function is mounted on the communication SIM mounted on the user terminal 20 .

The payment intermediary server 100 is a kind of gateway server that transmits transaction information of a member card rented to a user from a company terminal 10 to a virtual account server (not shown). The payment intermediary server 100 may obtain payment information from a value added network (VAN) server (not shown) connected to the existing company terminal 10, or may be implemented in a form combined with the VAN server. When payment information of a member card is received from the company terminal 10, the payment intermediary server 100 transmits the payment information to the virtual account server using the previously stored member card information. When the payment is approved by the virtual account server, the payment intermediary server 100 may allow the corresponding company terminal 10 to process the payment.

In addition, the payment intermediary server 100 can communicate with the user terminal 20 of the user. In this case, the user terminal 20 may use a rental SIM together with a membership card. In this case, when communication is performed using the SIM provided to the user terminal 20, the payment intermediary server 100 may deduct the communication charge from the user's deposit account linked to the virtual account server. Therefore, in the case of foreigners, even if they do not sign up for a separate mobile communication company in Korea, they can communicate using a newly rented SIM to the user terminal 20 used in their home country, and the communication fee is withdrawn from the user deposit account linked to the virtual account can be made

Hereinafter, details related to the payment intermediary server 100 will be described with reference to FIGS. 2 to 7 .

2 is a configuration diagram of a virtual account management server according to an embodiment of the present invention, FIG. 3 is a flow chart of a payment intermediary method of the virtual account management server according to FIG. 2, and FIG. 4 is a virtual account management server according to FIG. 2 It is an exemplary diagram for explaining the provision of virtual account information to a user terminal, and FIG. 5 is an exemplary diagram for explaining payment processing through a shopping mall in the virtual account management server according to FIG. 2, and FIGS. 6 and 7 are It is an exemplary diagram for explaining pre-payment of fares by using means of transportation in the virtual account management server according to FIG. 2 .

2 to 7, the virtual account management server 100 according to an embodiment of the present invention includes a virtual account management unit 110, a membership card management unit 120, a payment management unit 130, and a transfer processing unit 140. include

The virtual account management unit 110 manages by issuing or renting virtual accounts to registered users (S110). For example, the virtual account is an account allocated to the payment intermediary server 100 from a financial institution. This virtual account is interlocked with the membership card rented to the user and becomes a means of identifying the user in the process of purchasing goods and paying for services. The virtual account management unit 110 may activate the virtual account when the user charges an amount equal to or greater than a set limit, and deactivate the virtual account when the amount is less than or equal to a preset amount.

For example, the virtual account management unit 110 may generate an alarm to charge the user with an insufficient amount or more when the balance decreases below a set limit. In this case, the money charged by the user through the virtual account is stored in the user's deposit account linked to the user's virtual account. This user deposit account is a separate real account in which money charged by users of each virtual account is deposited, and is an account for paying the amount used by each user. This is to prevent illegal misappropriation by inactivating the virtual account when the virtual account is not in use or in an unusable state.

In addition, the virtual account management unit 110 may compare and authenticate the user's passport information with the user's digital signature and biometric information in order to authenticate the user. In this case, the user can provide his or her passport, digital signature, and biometric information from the authentication authority designated by the payment intermediary server 100 . For example, the user's biometric information may be face information, fingerprint information, iris information, or voice information, but is not necessarily limited thereto. The virtual account management unit 110 may update the user's biometric information at a predetermined time period. After the virtual account is approved, the virtual account management unit 110 may receive biometric information through a user terminal connected to the virtual account. Accordingly, illegal use of the virtual account can be prevented, and genuine users can be verified.

The membership card management unit 120 rents and manages the membership card connected to the virtual account (S120). In this case, the membership card refers to a card that can be used like cash by using a virtual account on the Internet without opening an account in a general bank. For example, foreigners can use cyber money charged in their country abroad using a virtual account on the Internet without opening a separate bank account in Korea. In this case, the member card may be formed to be recognized by the company terminal 10 by forming a magnetic stripe or an IC chip.

Meanwhile, the membership card may be a credit card or check card issued by a general bank or card company. At this time, the credit card or check card is rented by the administrator of the payment intermediary server and can be used in conjunction with the virtual account.

In addition, the membership card management unit 120 may manage the membership card to be installed in the user terminal 20 as an electronic card in the form of an application. This is to allow the user to make a payment using the user terminal 20 without possessing a physical member card. In this case, it is preferable that an application communicating with the payment intermediary server 100 is installed in the user terminal 20 . The membership card management unit 120 may provide the use history of the membership card through a dedicated application installed on the user terminal 20 . In this case, usage history may be automatically translated and provided according to the user's language setting. Accordingly, even if the user is a foreigner, he or she can easily check usage details of the member card.

In addition, the membership card management unit 120 may receive a membership card associated with a virtual account from an external financial institution and rent it to the user. In this case, external financial institutions may include banks, credit card companies, and the like. In this case, the financial institution may issue a membership card associated with the virtual account managed by the virtual account management server 100 according to the embodiment of the present invention. This is to allow the user to use the membership card like a cash card or credit card that is rented based on the virtual account of the virtual account management server 100 regardless of the user's credit rating. In this case, the membership card management unit 120 may share and manage the unique identification information of the membership card with the financial institution.

The payment management unit 130 communicates with the company terminal, the user terminal 20, the VAN server, and the virtual account server (S130). For example, the payment management unit 130 is capable of Internet communication, and can perform long-distance wireless communication such as 3G, 4G, and WiBro as well as short-distance wireless communication such as Bluetooth, ZigBee, WIFI, and NFC communication. It is not. The payment management unit 130 may use a means for communication in a general server. The payment management unit 130 receives payment information of a member card rented to a user from a company terminal. In this case, the payment information may be received directly from the company terminal or through a VAN server.

On the other hand, the payment management unit 130 inquires the balance of the user's deposit account linked to the virtual account on the Internet connected to the member card and determines whether to approve the payment information. For example, the payment management unit 130 compares the amount of money included in the payment information with the balance in the user's deposit account associated with the membership card and virtual account, and does not approve the payment if the amount of money used is greater than the balance. In this case, the payment management unit 130 transmits information on whether payment is approved to the company terminal. The payment management unit 130 may store and manage payment information in a payment DB. When the balance of the user's deposit account is less than the set limit, the virtual account management unit 110 may output an alarm to the user to charge more than the insufficient amount.

On the other hand, when the membership card is a credit card, the payment management unit 130 inquires the balance of the user's deposit account associated with the virtual account on the Internet connected to the account of the membership card to determine whether to approve the payment information.

For example, when the user's membership card is a credit card, the payment management unit 130 compares the accumulated usage amount for the period included in the payment information of the credit card with the credit limit of the user's deposit account of the virtual account linked to the membership card. If the cumulative unsettled amount exceeds the credit limit, the payment will not be approved. In this case, an alarm about insufficient balance is sent to the membership card user terminal 20 as a text message. The credit limit may be set by the payment management unit 130 within 60% of the amount deposited by the user in advance.

If the accumulated usage amount for the period is less than the credit limit of the user deposit account linked to the virtual account, and the payment is approved, the accumulated usage amount for the period is stored as data and used from the user deposit account linked to the virtual account on the payment date of the designated credit card. pay the bill

In addition, when the user's membership card is a check card or a prepaid card, the payment management unit 130 inquires the balance of the user's deposit account linked to the user's virtual account linked to the membership card and determines whether payment information is approved. If the amount included in the payment information is greater than the balance of the user's deposit account in the virtual account, the payment is not approved, and in the opposite case, the payment is approved. In this case, the payment management unit 130 transmits information on whether payment is approved to the company terminal. The payment management unit 130 may store and manage payment information in a payment DB.

In addition, the payment management unit 130 may determine whether to approve payment information using the user terminal 20 . For example, it is possible to transmit payment information to a preset user terminal 20 of a user, and determine whether or not to approve the payment information depending on whether payment confirmation information is received from the user terminal 20 . This is to allow the user to check the payment details. The user terminal 20 transmits payment confirmation information when the user completes the confirmation of the details to be paid through a text message or a voice message.

In addition, the payment management unit 130 transmits the identification information to the company terminal 10 and approves the payment when receiving payment confirmation information including the identification information from the user terminal 20 . For example, the payment management unit 130 transmits identification information such as barcodes and passwords to the company terminal 10, and the identification information displayed on the company terminal 10 is obtained by the user terminal 20 and pays for it. If it is transmitted as confirmation information, it can be recognized as a normal transaction and payment can be approved.

In addition, the payment management unit 130 may determine whether to approve the payment information by using the location information of the company terminal 10 that has transmitted the payment information and the location information of the user terminal 20 equipped with a SIM card. For example, when the location of the user terminal 20 is within a preset distance range from the company terminal 10, it is recognized as normal payment and the payment information can be approved. In this case, the user terminal 20 is equipped with a USIM issued together with the membership card, and the location of the user terminal 20 can be estimated using the GPS information or network access point of the user terminal 20 .

In addition, the payment management unit 130 may determine whether to approve payment in a shopping mall operated by the virtual account management server 100 or an external shopping mall. For example, the payment management unit 130 transmits payment information to the user terminal 20 when there is a payment request from the company terminal 10 of the shopping mall. In this case, the company terminal 10 is used as a meaning including a shopping mall server. When the payment confirmation information is received from the user terminal 20, the payment management unit 130 may approve the payment. Accordingly, it may be possible to conveniently purchase at a shopping mall site.

On the other hand, when the transfer processing unit 140 receives payment completion information for the payment information from the company terminal 10, it is transferred to the account of the company terminal 10 by deducting the amount used according to the payment information from the user deposit account associated with the virtual account. Let it be transferred (S140). The transfer processing unit 140 accesses the virtual account server and transmits payment confirmation information. In this case, the account information of the company terminal 10 may be transmitted together. The transfer processing unit 140 transmits payment completion information to the user terminal 20 when the transfer is completed. In this case, payment completion information may be transmitted in the form of a text message using a mobile communication company server.

In addition, the transfer processing unit 140 may process a transfer even when there is a use of a membership card issued through an external financial institution. For example, the transfer processing unit 140 processes a transfer when receiving approval information of a financial institution when using a membership card from the company terminal 10 . The transfer processing unit 140 may deduct the used amount from the user's deposit account linked to the virtual account and transfer the amount to the financial institution. In this case, the payment management unit 130 may inquire the balance of the user's deposit account associated with the virtual account when using the membership card from the company terminal 10 and provide the information to the financial institution. This is to allow the financial institution to decide whether to approve based on the status of the user's deposit account linked to the virtual account of the member card. Accordingly, an individual can rent and use a cash card or credit card without opening an account.

In addition, when payment confirmation information is received from its own shopping mall or an external shopping mall, the transfer processing unit 140 inquires the user's deposit account associated with the virtual account and deducts the payment amount if the balance is allowed. The transfer processing unit 140 may transfer the payment amount to the shopping mall after deducting a predetermined fee. The transfer processing unit 140 may transmit transfer details to the user terminal 20 when the transfer is completed.

In addition, the transfer processing unit 140 receives the payment information including the coupon information from the company terminal 10 and then receives the payment completion information, the amount obtained by discounting the coupon amount from the amount used from the user's deposit account linked to the virtual account. It can be deducted and transferred to the account of the company terminal (10). Alternatively, when payment information including coupon information is received according to a user's selection, only coupons may be accumulated separately and managed to be used at one time if necessary. That is, when the user is a tourist, a predetermined amount of discount may be obtained by using a coupon provided by a local government or business store. In this case, the coupon information may be pre-registered in the payment intermediary server 100, and when the user uses the corresponding coupon at the place of business where the company terminal 10 is installed, the validity can be confirmed by matching with pre-stored coupon information.

In addition, when the user terminal 20 is equipped with a rental SIM along with the membership card, the transfer processing unit 140 transfers text messages, voice calls, data communication charges, etc. used through the user terminal 20 to the virtual account. The communication fee can be deducted from the user's deposit account, and the corresponding amount can be transferred to the mobile communication service provider's account. Therefore, even when the user is abroad, the user can pay the communication fee without subscribing to a separate communication company.

In addition, the transfer processing unit 140 may transfer the fare of the means of transportation 30 to the user terminal 20 . For example, the transfer processing unit 140 obtains the identification code 31 formed on the means of transportation 30, inputs destination information, and then checks the fare. In this case, if the fare is within the balance of the user's deposit account linked to the virtual account, the fare is transferred to the means of transportation (30). When the fare exceeds the balance of the user's deposit account associated with the virtual account, a balance insufficient alarm may be transmitted to the means of transportation 30 and the user terminal 20. This is to prevent a user from experiencing a dispute due to insufficient balance after boarding a transportation means 30 such as a taxi when a foreigner is a user.

Meanwhile, the virtual account management server 100 according to an embodiment of the present invention may further include a verification unit 150.

The verification unit 150 transmits verification information to the user terminal 20 at a predetermined time period. Here, the verification information may be URL type link information, but is not necessarily limited thereto. The verification unit 150 checks whether verification confirmation information for the verification information is received within a preset time from the user terminal 20 . The verification unit 150 may stop using the virtual account when verification confirmation information is not received from the user terminal 20 within a preset time. This can prevent illegal use by disabling the virtual account if it is not a valid user.

In addition, the verification unit 150 can also verify the user's biometric information. For example, the similarity is analyzed by comparing the first voice information of the user input at the time of membership registration with the second voice information of the user input at the time of verification. The verification unit 150 may deactivate the virtual account when the first voice information and the second voice information exceed a preset similarity range. The verification unit 150 may transmit verification information to the user terminal 20 at a predetermined time period, or transmit verification information when a peculiarity is detected in the user's payment information. For example, verification information may be transmitted even when more than 2/3 of the amount of the virtual account is paid. Accordingly, it is possible to periodically verify that the user is a true user.

Meanwhile, the virtual account management server 100 according to an embodiment of the present invention may further include a compensation unit 160.

Compensation unit 160 may pay a preset compensation means when the user visits and authenticates a company affiliated with the management server 100 . In this case, the compensation means may be points, coupons, gift certificates, virtual currency, but is not necessarily limited thereto. It is also possible to convert the reward means into cash and deposit it into the user's deposit account linked to the virtual account. The compensating unit 160 may provide a reward means at a predetermined rate when the user visits an affiliated company and makes a payment.

In addition, the compensation unit 160 may collect user activity information by using a photo, location information, etc. input through the user terminal 20 . The compensating unit 160 may differentially provide compensation means according to the activity information of the user. For example, if the compensation unit 160 decides to provide compensation means when visiting three cultural assets in Korea, upload payment information for the right to use the cultural asset and an authentication photo including the user's face in the corresponding cultural asset. After authentication, compensation can be paid. In this case, the uploaded photo is analyzed by artificial intelligence, and authentication can be performed by comparing whether the face on the member information and the photo on the authentication photo match. Accordingly, it is possible to promote the tourism industry by encouraging domestic tourism to users.

Meanwhile, the embodiments of the present invention can be implemented as computer readable codes in a computer readable recording medium. Computer-readable recording media include all types of recording devices in which data that can be read by a computer system is stored.

Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, etc., and implementation in the form of a carrier wave (for example, transmission over the Internet) include In addition, the computer-readable recording medium is distributed in computer systems connected through a network, so that computer-readable codes can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the technical field to which the present invention belongs.

In the above, the present invention has been described with reference to the preferred embodiments described with reference to the drawings, but is not limited thereto. Therefore, the present invention should be interpreted by the description of the claims intended to cover obvious modifications that can be derived from the described examples.

100: virtual account management server
110: virtual account management department
120: Membership card management department
130: payment management unit
140: transfer processing unit
150: verification unit
160: compensation unit
10: Company terminal
20: user terminal
30: means of transportation
31: identification code

Claims (9)

a virtual account management unit that rents or issues virtual accounts to registered users and manages them;
a membership card management unit that rents and manages a membership card connected to the virtual account;
Upon receiving the payment information of the member card from the company terminal, the balance of the virtual account is inquired, and if it is within the amount of the payment information, it is transmitted to the user's preset user terminal, and payment confirmation information is received from the user terminal. a payment management unit for determining whether to approve the payment information according to whether or not;
a transfer processing unit for deducting the amount used according to the payment information from the virtual account and transferring the amount to the account of the company terminal when payment completion information for the payment information is received from the company terminal;
a verification unit for transmitting verification information to the user terminal at a predetermined time period and inactivating the virtual account when verification confirmation information for the verification information is not received from the user terminal within a predetermined time period; and
Including a compensation unit that collects activity information of the user using a photo and location information input through the user terminal and differentially pays compensation means according to the activity information,
The membership card management department,
Managing the membership card to be installed as an electronic card in the form of an application in the user terminal;
The transfer processing unit,
After obtaining the identification code formed on the means of transportation with the user terminal and inputting destination information, if the fare is within the balance of the virtual account, the fare is transferred to the means of transportation, and the fare is transferred to the virtual account. A virtual account management server that transmits a balance shortage alarm to the means of transportation and the user terminal when the balance is exceeded. According to claim 1,
The virtual account management unit,
A virtual account management server that acquires and compares biometric information including at least one of the user's passport information and electronic signature, and at least one of the user's face, fingerprint, iris, and voice, and approves the virtual account if the degree of similarity is within a preset level. . delete According to claim 1,
The membership card management department,
Issue the membership card linked to the virtual account from an external financial institution;
The transfer processing unit,
A virtual account management server for deducting the usage amount from the virtual account and transferring the money to the financial institution when receiving approval information of the financial institution when the membership card is used from the company terminal. According to claim 1,
The payment management department,
When the payment information is received from the company terminal of the external shopping mall, the virtual account management server approves the payment when authentication information is received from the user terminal. According to claim 1,
The transfer processing unit,
A virtual account management server for deducting at least one of voice, text, and data communication charges of the user terminal from the virtual account and transferring the transfer to an account of the communication server. delete delete In the management method of the virtual account management server,
a virtual account management step of renting or issuing virtual accounts to registered users and managing them;
Membership card management step of renting and managing the membership card linked to the virtual account;
Upon receiving the payment information of the member card from the company terminal, the balance of the virtual account is inquired, and if it is within the amount of the payment information, it is transmitted to the user's preset user terminal, and payment confirmation information is received from the user terminal. A payment management step of determining whether to approve the payment information according to whether or not;
a transfer processing step of deducting the amount used according to the payment information from the virtual account and transferring the amount to the account of the company terminal when payment completion information for the payment information is received from the company terminal;
a verification step of transmitting verification information to the user terminal at a predetermined time period and inactivating the virtual account when verification confirmation information for the verification information is not received from the user terminal within a predetermined time period; and
A compensation step of collecting activity information of the user using a photo and location information input through the user terminal and differentially providing compensation means according to the activity information,
The membership card management step,
Managing the membership card to be installed as an electronic card in the form of an application in the user terminal;
In the transfer processing step,
After obtaining the identification code formed on the means of transportation with the user terminal and inputting destination information, if the fare is within the balance of the virtual account, the fare is transferred to the means of transportation, and the fare is transferred to the virtual account. A virtual account management method for transmitting a balance shortage alarm to the means of transportation and the user terminal when the balance is exceeded.