KR102597020B1 - Method system for processing financial businessusing virtual account on line - Google Patents

Abstract

The present invention allows customers to obtain the convenience of various deposit functions such as bank and other bank transfers, PC banking, Internet banking, and phone banking, and from the perspective of affiliated institutions, it can achieve the effect of building a network for financial institutions nationwide. , Efficient fund management is possible through automation of purchase fund deposit work, automation of accounting work using deposit information enables work simplification, convenient remittance functions such as refund funds, and computer development such as bulk remittance are facilitated, and virtual accounts can be established. In providing a financial business processing method and system, it is a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment.

Description

A payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment {METHOD SYSTEM FOR PROCESSING FINANCIAL BUSINESSUSING VIRTUAL ACCOUNT ON LINE}

The present invention relates to a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment. In particular, secondary financial institutions that require partnership with banking institutions and affiliated institutions that require aggregation of funds or similar tasks for each industry In order to process financial transactions through the common network of financial clearinghouses or/and the Internet, public network, or dedicated network using a virtual account with the same or similar structure as the real account used in the banking sector, when virtual currency is used online, immediate cash is provided. We present a payment processing method that allows payment.

In the conventional case, at the request of an affiliated institution, the representative account opened by the affiliated bank is linked with multiple or/and one customer real account (an account whose real name has been verified by the affiliated institution) of the affiliated institution through the joint network of the Financial Clearings and Clearings Institute, or/ And a financial business processing method using a virtual account that processes deposits and/or withdrawals and manages the transaction information through the Internet, public network, private network, etc. is proposed as a preferred embodiment.

Figure 1 is an explanatory diagram illustrating a concept of a financial business processing method using a virtual account according to a conventional invention, which includes one representative account opened at an affiliated bank upon a request from an affiliated institution, and a customer whose real name has been confirmed at the affiliated institution. Between the real (name) account opened for and one virtual account granted in connection with the representative account of the affiliated bank, deposit transactions from the affiliated institution to the representative account and withdrawal transactions from the representative account are carried out through it. It shows one real (name) account that is connected to each other.

Figure 2 is an explanatory diagram showing another concept of a financial business processing method using a virtual account according to a conventional invention, showing a representative account opened at an affiliated bank upon a request from an affiliated institution, and the representative account as the mother account. It shows a number of virtual accounts assigned by numbering them with N. In this case, the multiple virtual accounts provide only deposit transactions to the representative account.

However, in the above-described prior art, there was a problem in that virtual currency payment method did not allow immediate cash payment while the representative account was using a virtual account.

The present invention was designed to solve this problem, and the present invention is to use one or multiple virtual accounts that link the representative account (mother account) of the affiliated institution opened at the affiliated bank with the actual account of the customer of the affiliated institution across the country. Financial services using virtual accounts that enable the expansion of business areas of affiliated institutions by processing financial services through the business network of a bank or/and the business network of a second financial institution affiliated with a bank or/and the business network of a general institution or the Internet. In providing a processing method and system, the purpose is to provide a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment.

The present invention is a virtual account transaction method, which consists of a first step of receiving a virtual account from a computer of an affiliated bank, registering and managing it, and a second step of notifying the user of the transaction information processing results notified by the affiliated institution. In the payment processing method that allows immediate cash payment when using a virtual account, which consists of the third step of transmitting deposit information to the affiliated institution's computer, the cash payment system operation process (1000) is: In step ①, exchange members exchange money at the exchange. Deposit the amount of cash you wish to trade into the main account, and in step ②, the exchange issues a self-account to the member and displays the amount of cash equivalent to the cash deposited by the customer in the self-account in numbers. In steps ③-1 and 2, You can purchase virtual currency up to the amount in your own account, and the exchange issues a check card linked to your account to members who purchase virtual currency. In steps ④-1 and 2, when you make a payment at an online mall, the virtual currency created at the time of payment is Cryptocurrency and cash transactions are made on the exchange for the maximum purchase price of the currency, and in step ⑤, the payment amount is deducted from the parent account connected to the bank, or if it is connected to a PG company before payment is made at the bank in step ⑤, step ⑥ In this case, the virtual assets held by the member equal to the product price (based on the maximum purchase price formed at the time of payment) are converted into cash, and when the payment (or PG company) is completed, the virtual currency held by the member is deducted, and after step ⑥, steps ⑦ and ⑧ At this stage, it is a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment, characterized in that the payment amount is deducted from the parent account connected to the bank and settlement is made at an offline store.

In addition, in the present invention, the cash payment system operating process 1000 is as follows: 1) When there is only virtual currency and no cash in the account, virtual currency is traded in cash equal to the maximum purchase price of virtual currency at the time of payment, and the virtual currency is traded in cash equal to this amount. Changes in the account balance occur, and 2) when you have virtual currency and cash in your account, the virtual currency is first traded on the exchange and payment is made. However, if the payment amount is insufficient even though you traded virtual currency, the payment amount is collected from your account. The amount is withdrawn for the difference, 3) When there is no virtual currency and there is only cash in your account: The transaction between virtual currency and cash is not processed, but the payment is made immediately, and a balance change equal to the payment amount occurs in your account. 4) Virtual currency This is a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment, which is characterized by the fact that payment cannot be made (insufficient balance) when there is no cash in the account.

As seen above, the present invention allows customers to obtain the convenience of various deposit functions such as bank and other bank transfers, PC banking, internet banking, and phone banking, and from the perspective of affiliated institutions, builds a network for financial institutions nationwide. Effective fund management is possible through automation of purchase fund deposit work, automation of accounting work using deposit information allows for easy work management, and convenient remittance functions such as refund funds and easy computer development such as bulk remittance. In providing a financial business processing method and system using a virtual account, there is an effect of enabling immediate cash payment when using a virtual account for virtual currency payment.

1 is an explanatory diagram illustrating a concept of a method of processing financial transactions using a virtual account according to a conventional invention.
Figure 2 is an explanatory diagram showing another concept of a financial business processing method using a virtual account according to a conventional invention.
Figure 3 is a flow chart of a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention.
Figure 4 is a diagram showing the price determination method in the payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention.

Hereinafter, the present invention will be described in detail through preferred embodiments of the present invention described with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce the present invention.

Figure 3 is a flow diagram of a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention, and Figure 4 is a payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment of the present invention. This is a diagram showing the price determination method.

In the present invention, a virtual account can be opened at most commercial banks for corporate companies that frequently make deposit transactions from a large number of customers or business partners.

Currently 1) Banks that can open a virtual account: Kookmin Bank, Woori Bank, Hana Bank, Shinhan Bank, Nonghyup, Busan Bank, Daegu Bank, Gyeongnam Bank, Gwangju Bank, Jeonbuk Bank, Jeju Bank, etc. 2) Application methods include: Representative ID card, business registration certificate, corporate seal certificate, and corporate seal are required. 3) There is no separate issuance fee for virtual account issuance.

First of all, the issuance of a virtual account is as follows: 1) Corporations open a new account through a commercial bank. At this time, if you request to open a virtual account, the applied account becomes the parent account and is set as the parent account of the virtual account. 2) After the virtual account is applied, the number of accounts is requested.

In addition, the number of accounts must be requested with enough room to match the size of the number of members of the corporation, and the bank sets up the parent account and provides the requested account in an Excel file.

Additionally, the account format is structured like a credit card serial number, and management is facilitated through sequential numbers.

When using a virtual account, establishing a relationship between the virtual account and the member will be explained.

The provided 00 Bank virtual account (e.g. 1234-5678-1234-0001) can be set 1:1 with the member (Hong Gil-dong), and the setting method can be set based on unique personal information such as email, phone number, and ID. . And, after setup, the member (Hong Gil-dong) is given a virtual account subordinate to the parent account of 00 Bank.

In addition, a corporate company can issue a (named or bearer) card to a member (Hong Gil-dong) set up 1:1 through a virtual account.

In addition, a registered card is a method of producing a card in parallel with personal information when issuing a card to a corporate company, and a bearer card is a method of producing a card without containing personal information when issuing a card to a corporate company. It is convenient because bearer cards can be produced all at once.

In addition, members (Hong Gil-dong) can make deposits and withdrawals at any time using the virtual account they are given, and deposits and withdrawals can also be made at other banks. The member's (Hong Gil-dong) deposits and withdrawals are made from the parent account of the corporate company. Therefore, the corporate company must separately manage the member's (Hong Gil-dong's) deposit and withdrawal information.

Here, the total of deposits and withdrawals for all members is equal to the total of the parent account.

Next, the production of the card is explained.

The card's usage (credit) range is produced directly by the corporation, and it plays the same role as a cash (cash) card. Therefore, it does not include the role of credit cards.

In addition, when making a card, the virtual account requested and granted when opening a virtual account is recorded on the front of the card, and can be marked with personal identification information (ID, email, or phone number).

The present invention is an invention of a payment method that enables real-time payment processing by immediately converting virtual currency to cash when a user who owns virtual currency purchases a product at an online mall and pays for it.

The terms are defined as follows.

The mother account is a virtual transaction account established with the main bank on the exchange.

A self-account is a virtual account issued to a member from the exchange’s mother account.

The following explains how to use a virtual account on the exchange.

When a member signs up as a member at the exchange and creates an account, the account created at this time becomes a self-account derived from the exchange's mother account. When a member deposits cash into his or her own account, the deposit is actually deposited into the exchange's mother account, and the amount equivalent to the cash is displayed and managed in the customer's own account, which is the customer's virtual account.

The following explains how to make online payments using an exchange.

Online shopping malls are directly or indirectly organically combined with exchanges, and thus communicate in real time so that information about virtual currencies owned by individual members can be confirmed. Therefore, members can see at a glance the cash or various types of virtual currency they own, and when they need to make online payments, they can select the type of coin they want to use and sell the selected coin in real time to return it to cash and provide information on how to make payment. It's an invention. At this time, you may select a common method in the market and follow the PG company's payment method.

As shown in Figure 3, in the cash payment system operation process 1000, in step ①, the exchange member's terminal deposits the amount of cash desired to be traded at the exchange into the parent account connected to the bank.

In step ②, the management server of the exchange issues a sub-account derived from the parent account to the member and displays the amount equivalent to the cash deposited by the customer in the sub-account in numerical form.

In steps ③-1 and 2, the member's terminal can purchase virtual currency up to the amount in the user's account, and the exchange's management server issues a check card linked to the user's account to the member who purchased the virtual currency.

In steps ④-1 and 2, when payment is made at an online mall, virtual currency and cash are traded on the exchange for the maximum purchase price of virtual currency established at the time of payment.

In step ⑤, the payment amount is deducted from the parent account linked to the bank.

In addition, if the connection is made to the PG company before payment is made at the bank in step ⑤, in step ⑥, the virtual assets held by the member equal to the product price are converted into cash based on the maximum purchase price formed at the time of payment, and once the payment to the PG company is completed, The virtual currency held by the member is deducted.

After step ⑥, in steps ⑦ and ⑧, the payment amount is deducted from the parent account linked to the bank and settlement is made at the offline store.

The following explains examples of payments based on virtual currency and cash holdings in your own account.

1) When there is only virtual currency and no cash in your account, virtual currency is traded as cash equal to the maximum purchase price of virtual currency at the time of payment, and a change in your account balance occurs by this amount.

2) When you have virtual currency and cash in your account, the virtual currency is first traded on the exchange and payment is made. However, if the payment amount is insufficient even though you traded virtual currency, an amount equal to the difference in the payment amount is withdrawn from your account.

3) When there is no virtual currency and only cash in your account: The transaction between virtual currency and cash does not proceed, but the payment is made immediately, resulting in a balance change equal to the payment amount in your account.

4) If there is no virtual currency and no cash in your account, payment cannot be made (insufficient balance).

The following explains how the price is determined when trading virtual currency.

The trading price of virtual currency is determined based on the selling price and buying price at the time of payment. When purchasing virtual currency with cash at the time of settlement, the purchase is made at a high price at the selling price closest to the asking price, and when selling virtual currency, the selling is carried out at a low price at the buying price closest to the asking price.

Figure 7 shows the selling price, buying price, and asking price as shown below.

Let’s assume that the current trading status of the exchange is as above.

For example, if a member holding 1,000 virtual currencies makes a payment of 200,000 won, the virtual currency will be sold first at 1,900 won, which is the purchase price closest to the asking price. Since the number of virtual currencies designated to be purchased at 1,900 won is 100, a virtual currency transaction worth 190,000 won is made first, and if this transaction occurs, a shortfall of 10,000 won will occur. In this case, the virtual currency is traded at the next purchase price of 1,800 won, and approximately 5.6 virtual currencies are converted into cash of 10,000 won.

As a result, in the above transaction situation, when a member holding 1,000 virtual currencies pays 200,000 won, approximately 105.6 virtual currencies are traded and the amount of virtual currency traded is deducted, resulting in the member holding 894.4 virtual currencies after payment.

Next, we will explain the virtual asset payment system using a credit card.

Establish a system that allows payment by credit card as well as check card. Credit card payment is the same as the check card payment process. However, there is a difference in that the balance change does not occur in proportion to the payment amount directly from the mother account, but rather the payment is made using the credit card that the mother account is linked to as the payment account.

When using a virtual account, the processing steps for deposits and withdrawals from the representative account at the affiliated bank may vary depending on the details of the prior contract with the affiliated institution. For example, deposits and withdrawals can be processed in real time for each transaction, and of course, deposits and withdrawals can be processed in batches at the end of the transaction after setting a limit for each transaction or for a specific trading period.

Here, affiliated organizations that require fund aggregation include construction companies, distribution stores, oil companies, etc. For example, the construction company opens a representative account and then provides a virtual account that the construction company can recognize to the customer who received the apartment sale (e.g., each A card containing a unique virtual account (with information on the building and number of the apartment sold) is issued to the customer, and then when the sale price is paid, the funds are received using the virtual account at banking branches nationwide, automatic teller machines, or various electronic financial channels. Let this happen.

The above virtual accounts are transmitted in real time from the affiliated institution to the affiliated bank's computer when a new member or request is made, and the virtual account is numbered on a case-by-case basis, or virtual accounts are numbered in bulk as needed and managed by the affiliated institution, and when a new member or request is made, the virtual account is automatically numbered. Of course you can do it.

In addition, the deposit/withdrawal methods using the virtual account above include affiliated banks and affiliated institutions, other branches of banks nationwide, automatic machines (CD/ATM), PC banking, internet banking, phone banking, etc., and member In addition, if there is another sales business, a virtual account can be given to the business (including business employees) or agency and used for fund management.

The scope of protection of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is to be added once again that the scope of protection of the present invention may not be limited due to changes or substitutions that are obvious in the technical field to which the present invention pertains.

100: Virtual account service server
110: Virtual account management module
120: Financial business relay module
10: Financial Clearinghouse
20: Affiliated bank computer
30: Affiliate agency computer
21: Affiliated bank representative account DB
31: Representative account DB of affiliated organizations
40: Information and communication network
41: Automatic teller machine (ATM)
42: Electronic financial channel
43: Affiliated financial institution
50: Other banks

Claims (2)

As a virtual account transaction method, the exchange's management server consists of a first step of receiving a virtual account from an affiliated bank's computer, registering and managing it, and a second step of notifying the user of the transaction information processing results notified by the affiliated institution. In a payment processing method that allows immediate cash payment when using a virtual account, which consists of a third step of transmitting deposit information to an affiliated institution's computer,
The cash payment system operation process (1000) is that in step ①, the exchange member's terminal deposits the amount of cash that he or she wants to trade at the exchange into the mother account connected to the bank, and in step ②, the exchange's management server provides the member with the money derived from the mother account. A self-account is issued and the amount equivalent to the cash deposited by the customer is displayed in the account numerically. In steps ③-1 and 2, the member's terminal can purchase virtual currency equal to the amount in the account, and the exchange's management server issues a check card linked to their account to members who purchase virtual currency. In steps ④-1 and 2, when payment is made at an online mall, virtual currency and cash transactions are made at the exchange equal to the maximum purchase price of virtual currency formed at the time of payment. In step ⑤, the payment amount is deducted from the parent account connected to the bank, or if the payment amount is connected to the PG company before payment is made by the bank in step ⑤, in step ⑥, the virtual assets held by the member equal to the product price are deducted from the bank account at the time of payment. It is converted into cash based on the maximum purchase price formed, and when the PG company's payment is completed, the virtual currency held by the member is deducted. After step ⑥, in steps ⑦ and ⑧, the payment amount is deducted from the mother account linked to the bank, and the offline store. The settlement is made,
The cash payment system operation process 1000 is as follows: 1) When there is only virtual currency and no cash in the account, virtual currency is traded in cash equal to the maximum purchase price of virtual currency at the time of payment, and a change in the balance of the account occurs by this amount. 2) When you have virtual currency and cash in your account, the virtual currency is first traded on the exchange and payment is made. However, if the payment amount is insufficient even though you traded virtual currency, the amount equal to the difference between the payment amount is charged from your account. 3) If there is no virtual currency and there is only cash in your account, the transaction between virtual currency and cash is not processed and payment is made immediately, resulting in a balance change in your account equal to the payment amount. 4) If there is no virtual currency and there is only cash in your account, the payment is made immediately. If you do not have cash, payment cannot be made due to insufficient balance.
The trading price of virtual currency is determined based on the selling price and buying price at the time of payment. However, when purchasing virtual currency with cash at the time of settlement, the purchase is made at the highest selling price closest to the quoted price, and when selling virtual currency, the purchase is made at the highest asking price. A payment processing method that allows immediate cash payment when using a virtual account for virtual currency payment, characterized by selling at a low price at a close purchase price.
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