KR102603202B1 - Method and terminal unit for providing p2p finance service - Google Patents

Abstract

A method of providing financial services according to the present invention is a method in which a financial server provides peer to peer (P2P) financial services, comprising the steps of receiving a transfer request from a first terminal to a second terminal, and the first terminal It includes deducting the transfer request amount from the first electronic money related to the first financial application to which the second terminal has signed up and charging it to the second electronic money related to the second financial application to which the second terminal has signed up.

Description

P2P financial service provision method and terminal {METHOD AND TERMINAL UNIT FOR PROVIDING P2P FINANCE SERVICE}

The present invention relates to a method and terminal for providing peer-to-peer financial services.

P2P (Peer to Peer) finance is a system that allows individuals to conduct financial transactions directly online, and transactions are carried out through the system of a P2P financial service company.

Meanwhile, previously, P2P financing was only possible between subscribers using the same financial application for electronic or online transactions, such as prepaid accounts. Therefore, in order to receive P2P financial services using an unsubscribed financial application, it is essential that both the remittance requester and the remittance recipient sign up for the same financial application.

The technical task to be achieved by the present invention is to provide a method and terminal for providing P2P financial services between heterogeneous financial applications that enable P2P financial processing even when only the remittance requester or remittance recipient signs up through the intermediation of a financial server.

A method of providing financial services according to the present invention is a method in which a financial server provides peer to peer (P2P) financial services, comprising the steps of receiving a transfer request from a first terminal to a second terminal, and the first terminal It includes deducting the transfer request amount from the first electronic money related to the first financial application to which the second terminal has signed up and charging it to the second electronic money related to the second financial application to which the second terminal has signed up.

The first financial application and the second financial application may be different from each other.

The first financial application includes a plurality of different first electronic currencies, and the first electronic money includes a plurality of different first electronic currencies, and a selection of one of the plurality of different first electronic currencies is received from the first terminal. Additional steps may be included.

The second financial application includes a plurality of different second electronic currencies, and the second electronic money includes a plurality of different second electronic currencies, and receiving a selection of one of the plurality of different second electronic currencies from the second terminal. It may further include.

The first electronic money may include cash in an account in the name of the user of the first terminal.

The second electronic money may include cash in an account in the name of the user of the second terminal.

The charging step may include withdrawing the transfer request amount from an account in the business name of the first financial application, and depositing the withdrawn amount into an account in the business name of the second financial application.

Receiving the remittance request may include receiving a remittance request message through a messaging application installed on the first terminal.

The messaging application may provide a chat service or a short message sending/receiving service.

Between the receiving step and the charging step, a step of performing biometric authentication or password authentication for the first terminal may be further included.

A method of providing financial services according to another embodiment of the present invention is a method in which a terminal provides peer to peer (P2P) financial services, including the step of executing and receiving a message application, and when a transfer request to the other party occurs, the peer to peer (P2P) financial service is provided. A step of calling and executing a financial module, connecting to a financial server, and outputting a receipt screen for selecting one of electronic money to the first financial application to which the sender has signed up, and displaying a receipt screen for selecting one of electronic money on the first financial application to which the sender has signed up, and displaying the plurality of items on the receipt screen. 2 It includes the step of selecting a receiving method among electronic money, and receiving the amount remitted by the other party through the receiving method.

The first electronic money is related to a first financial application to which the other party has signed up, and the second electronic money includes the step of performing a remittance process using the related first electronic money to which the user of the terminal has signed up, The first electronic money is received from the other party as second electronic money related to the second financial application to which the other party is subscribed.

The first financial application includes a plurality of different first electronic currencies, and the first electronic money includes a plurality of different first electronic currencies. The step of performing the remittance process includes selecting one of the plurality of different first electronic currencies. outputting a remittance request screen for, selecting a remittance method from among the plurality of different first electronic currencies on the remittance request screen, performing an authentication procedure, and performing a remittance request using the selected remittance method. May include steps.

After the step of transmitting the transfer request, the transfer request amount may be withdrawn from the business name account of the first financial application by the financial server, and the withdrawn amount may be deposited into the business name account of the second financial application. there is.

A method of providing financial services according to another embodiment of the present invention is a method in which a terminal provides peer-to-peer (P2P) financial services, including the steps of executing and receiving a message application, and requesting remittance of the other party's first electronic currency. Depending on this, it may be related to a plurality of secondary financial applications.

The transfer request amount may be withdrawn from an account in the name of the business of the first financial application by the financial server, and the withdrawn amount may be deposited into an account in the name of the business of the second financial application.

A terminal according to another embodiment of the present invention is connected to a messaging application execution unit that provides a messaging application that provides a chat service and a financial server, and uses first electronic money related to the first financial application to which the first terminal has subscribed. It includes a P2P finance module that performs a remittance process, and a call unit that calls and executes the P2P finance module when a remittance request for the other party occurs while the message application is running.

The P2P financial module and the call unit may be additionally included in the message application as a software development key (SDK) file.

There are a plurality of first electronic currencies, and the P2P financial module outputs a remittance request screen for selecting one of the plurality of first electronic currencies, and a remittance means among the plurality of first electronic currencies on the remittance request screen. If selected, you can perform the authentication process and then send a remittance request using the selected remittance method.

The first electronic money may be received from the other party as second electronic money related to a second financial application to which the other party has signed up.

According to an embodiment of the present invention, P2P financial processing is possible without the other party registering as a new member, thereby increasing convenience for members and making it possible to utilize the contents of the relevant financial application. In addition, subscribers to financial applications can be shared, which has the effect of expanding services.

Figure 1 is a system configuration diagram providing P2P financial services according to an embodiment of the present invention.
Figure 2 is a block diagram showing the configuration of a terminal according to an embodiment of the present invention.
Figure 3 briefly shows the overall flow of the P2P financial service provision method according to an embodiment of the present invention.
Figure 4 is a flowchart showing in detail the P2P financial service provision method according to an embodiment of the present invention from the perspective of a remittance request terminal.
Figure 5 shows a remittance request screen according to an embodiment of the present invention.
Figure 6 shows a remittance request screen according to another embodiment of the present invention.
Figure 7 shows an authentication screen according to an embodiment of the present invention.
Figure 8 shows a remittance notification screen according to an embodiment of the present invention.
Figure 9 is a flow chart illustrating in detail the method of providing P2P financial services according to an embodiment of the present invention from the perspective of a receiving terminal.
Figure 10 shows a receipt selection screen according to an embodiment of the present invention.
Figure 11 is a flowchart showing the operation of a financial server according to an embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to “include” a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In addition, the terms “…unit” and “…module” used in the specification refer to a unit that processes at least one function or operation, which may be implemented as hardware, software, or a combination of hardware and software.

Hereinafter, a method and terminal for providing peer to peer (P2P) financial services according to an embodiment of the present invention will be described in detail with reference to the drawings.

Figure 1 is a system configuration diagram providing P2P financial services according to an embodiment of the present invention.

Referring to FIG. 1, the first terminal 100 and the second terminal 200 are connected to the message service server 400 and the financial server 500 through the network 300.

The first terminal 100 and the second terminal 200 are terminals capable of chatting services and peer-to-peer financial processing, and may include a smartphone.

The first terminal 100 may be classified as a remittance request terminal, and the second terminal 200 may be classified as a receiving terminal. A first financial application used by the user of the first terminal may be installed in the first terminal 100, and a second financial application used by the user of the second terminal may be installed in the second terminal 200. there is. The first financial application and the second financial application are different applications.

The first terminal 100 communicates with the first application operation server 190, which provides the first financial application and is responsible for controlling and managing the first financial application. Additionally, the second terminal 200 communicates with the second application operation server 290, which provides the second financial application and is responsible for controlling and managing the second financial application.

The network 300 includes a communication network and can be adopted from various networks currently in use.

The message service server 400 is a server that provides message sending and receiving services between the first terminal 100 and the second terminal 200, and provides a messenger application that provides a chat service or a communication server that supports sending and receiving short messages. It could be.

The financial server 500 provides peer-to-peer financial services according to an embodiment of the present invention. Here, the P2P financial service is a P2P transaction between members of different financial applications, that is, a P2P financial service between heterogeneous financial applications. For example, it allows members of financial application A and financial application B to exchange electronic money related to their respective financial applications without new registration of the other financial application. Electronic money includes prepaid recharge amount provided by the relevant financial application, accumulated points, and cyber money that can be used like cash. Meanwhile, it refers to financial applications and applications that enable payments, transfers, and point accumulation, and operates the related electronic money system.

Figure 2 is a block diagram showing the configuration of a terminal according to an embodiment of the present invention.

At this time, the configuration of FIG. 2 will be explained from the perspective of the remittance request terminal.

Referring to FIG. 2, the terminal 100 includes a communication unit 110, a memory 130, a display unit 150, and a processor 170.

The communication unit 110 is connected to the message service server 400 and the financial server 500 through the network 300 to transmit and receive data.

The memory 130 stores information necessary for the operation of the terminal 100.

The display unit 150 outputs various information according to the operation of the terminal 100 on the screen. At this time, the screen described later in FIGS. 5, 6, 7, 8, and 10 is output.

The processor 170 is connected to the communication unit 110, memory 130, and display unit 150 and controls the operations of the communication unit 110, memory 130, and display unit 150.

The processor 170 includes a message application execution unit 173, a call unit 175, and a P2P financial module 177.

The message application execution unit 173 executes a messenger application that provides a chat service or an application that provides a short message service. It is possible to implement the message application by executing the driving files of the message application.

When a request for money transfer to the other party occurs while the messaging application is running, the caller 175 calls and executes the P2P finance module 177.

The P2P financial module 177 is connected to the financial server 500 and performs a remittance and collection process using the first electronic currency related to the first financial application or the second electronic currency related to the second financial application.

Here, the call unit 175 and the P2P financial module 177 are implemented as a software development key (SDK) file and are additionally included in the message application.

Now, a series of processes for providing P2P financial services in connection with the above-described configuration will be described for each embodiment.

Figure 3 briefly shows the overall flow of the P2P financial service provision method according to an embodiment of the present invention.

Referring to FIG. 3, the first terminal 100 and the second terminal 200 execute a message application (S101, S103). At this time, both the first terminal 100 and the second terminal 200 are subscribers to a messaging application or communication subscribers who can use a short message service.

The first terminal 100 and the second terminal 200 are connected to the message service server 400 (S105, S107) through the executed message application and receive message transmission and reception services (S109). For example, a chat service may be provided between the first terminal 100 and the second terminal 200, or short messages may be transmitted and received.

When a remittance request occurs while sending and receiving a message, the first terminal 100 executes the P2P finance module (S111) and performs a P2P finance process in conjunction with the financial server 500 (S113). At this time, the second terminal 200 is the recipient of P2P finance and performs a P2P finance process for receipt with the financial server 500 (S115). At this time, step S115 is also performed by the P2P financial module of the second terminal 200.

Figure 4 is a flowchart showing in detail the method of providing P2P financial services according to an embodiment of the present invention from the perspective of a remittance request terminal, Figure 5 shows a remittance request screen according to an embodiment of the present invention, and Figure 6 is a method of providing a P2P financial service according to an embodiment of the present invention. Figure 7 shows a remittance request screen according to another embodiment of the present invention, Figure 7 shows an authentication screen according to an embodiment of the present invention, and Figure 8 shows a remittance notification screen according to an embodiment of the present invention.

First, referring to FIG. 4, the message application execution unit 173 executes the message application (S201) and performs message transmission and reception service (S203).

When a remittance request occurs (S205), the call unit 175 calls and executes the P2P financial module 177 (S207).

When the P2P financial module 177 is executed, it is connected to the financial server 500 (S209). Then, a remittance request screen is output (S211), where the remittance request screen can be implemented as shown in FIG. 5.

Referring to FIG. 5, the remittance request screen (P100) may provide a remittance selection screen for the first electronic money. At this time, the first electronic money is related to the first financial application installed in the first terminal 100, and there may be a plurality of different ones (P101, P103). That is, a plurality of first electronic currencies (P101, P103) related to a plurality of financial applications to which the user of the first terminal 100 is subscribed are provided on the screen and the user of the first terminal 100 selects one of them. can do. Here, selection is described as a button click, but also includes voice selection.

Each balance is automatically displayed on the remittance request screen (P100).

Meanwhile, as shown in FIG. 6, one of the plurality of first electronic currencies includes account cash (P105) opened at a financial institution.

Again, referring to FIG. 4, a remittance method is selected on the remittance request screen as shown in FIG. 5 or FIG. 6 (S213). Then, the authentication process proceeds as shown in FIG. 7 (S215). At this time, the authentication process may be password input authentication or authentication using biometric information such as fingerprint/iris.

If authentication is successful, a remittance completion notification is received from the financial server 500 as shown in FIG. 8 (S217).

Figure 9 is a flowchart showing in detail the P2P financial service provision method according to an embodiment of the present invention from the perspective of the receiving terminal, and Figure 10 shows a receiving selection screen according to an embodiment of the present invention.

First, referring to FIG. 9, the message application execution unit 173 executes the message application (S301) and performs message transmission and reception services (S303). When a remittance request is received (S305), the call unit 175 calls the P2P financial module 177 to connect to the financial server 500 and outputs a receipt screen (S307).

This receipt screen is shown in Figure 10. Referring to FIG. 10, the receipt screen (P200) may provide a receipt selection screen for the second electronic money. At this time, the second electronic money is related to the second financial application installed in the second terminal 200, and there may be a plurality of different electronic money (P201, P202). That is, a plurality of second electronic currencies (P201, P202) related to a plurality of financial applications to which the user of the second terminal 200 is subscribed are provided on the screen and the user of the second terminal 200 selects one of them. can do.

If you have not signed up for the second electronic currency, you may be encouraged to sign up.

Additionally, the balances of the first electronic money and the second electronic money are automatically displayed.

Here, selection of the receiving means includes button selection and voice selection.

Again, referring to FIG. 9, a receiving means is selected on the receiving screen (S309). The receipt will then be processed using the selected receiving method.

Now, the P2P financial service processing operation of the financial server 500 for each embodiment of selecting a remittance method and a receiving method will be described as follows.

First, Figure 11 is a flowchart showing the operation of a financial server according to an embodiment of the present invention.

Referring to FIG. 11, the financial server 500 receives a remittance request from the P2P financial module 177 (S401). And optional information about the remittance method and receiving method (S403).

Of course, in step S403, the receiving path for the remittance method selection information and the receiving path for the receiving method selection information are separate.

The financial server 500 withdraws the transfer request amount corresponding to the first electronic currency from the affiliate account in the name of the business operator operating the first financial application (S406). And the withdrawal is notified to the first financial application operation server 190 (S407). Then, the first financial application operation server 190 deducts the first electronic currency from the account in the name of the first terminal 100 user.

Next, the financial server 500 deposits the remittance request amount into an affiliate account in the name of the business operator operating the second financial application (S408). Then, the deposit is notified to the second financial application operation server 290 (S408). Then, the second financial application operation server 290 increases the second electronic currency in the account in the name of the second terminal 200 user.

That is, the first financial application server deducts electronic money by the corresponding amount from the user account of the first terminal 100, and the second financial application server recharges electronic currency by the corresponding amount from the user account of the second terminal 200. do. This allows electronic money to be sent and received between users using different financial applications.

As mentioned above, in peer-to-peer finance, person-to-person remittance transactions are generally carried out between members of specific financial applications. However, in an embodiment of the present invention, the sender is a member of a specific financial application, but even if the recipient is a non-member, the money can be collected in electronic money for another financial application to which the recipient has signed up.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention defined in the following claims are also possible. It falls within the scope of rights.

Claims (20)

As a method for a financial server to provide peer-to-peer (P2P) financial services,
Receiving a request for money transfer from the first terminal to the second terminal, and
Deducting the transfer request amount from the first electronic money related to the first financial application to which the first terminal has signed up and charging it to the second electronic money related to the second financial application to which the second terminal has signed up.
Including,
The first financial application and the second financial application are different from each other,
The first financial application includes a plurality of different ones, and the first electronic money includes a plurality of different ones,
Receiving a selection of one of the plurality of different first electronic currencies from the first terminal
It further includes,
The second financial application includes a plurality of different applications, and the second electronic money includes a plurality of different applications,
Receiving a selection of one of the plurality of different second electronic currencies from the second terminal
It further includes,
The charging step is,
withdrawing the transfer request amount from an account in the name of the business operator of the first financial application; and
Depositing the withdrawn amount into an account in the business name of the second financial application
A method of providing peer-to-peer financial services including. delete delete delete In paragraph 1:
A method of providing a peer-to-peer financial service, wherein the first electronic money includes cash in an account in the name of the user of the first terminal. In paragraph 1:
A method of providing a peer-to-peer financial service, wherein the second electronic money includes cash in an account in the name of the user of the second terminal. delete In paragraph 1:
The step of receiving the remittance request is,
Receiving a remittance request message through a messaging application installed on the first terminal.
A method of providing peer-to-peer financial services including. In paragraph 8:
The messaging application provides chatting services or short message sending and receiving services.
How to provide peer-to-peer financial services. In paragraph 1:
Between the receiving step and the charging step,
Performing biometric authentication or password authentication for the first terminal
A method of providing peer-to-peer financial services further comprising: As a method for a terminal to provide peer-to-peer (P2P) financial services,
Steps to receive the message by running the message application,
When a remittance request occurs for the other party, the P2P financial module is called and executed, and connected to the financial server.
A step of carrying out a remittance process using the first electronic money related to the first financial application to which the remitter is signing up.
Including,
The first electronic money is received from the other party as second electronic money related to a second financial application to which the other party is subscribed,
The first financial application includes a plurality of different ones, and the first electronic money includes a plurality of different ones,
The steps to proceed with the remittance process are:
Outputting a remittance request screen for selecting one of the plurality of different first electronic currencies,
Selecting a remittance method from among the plurality of different first electronic currencies on the remittance request screen,
steps to carry out the authentication process, and
Steps to perform a transfer request using the selected transfer method
Including,
After the step of transmitting the remittance request,
The transfer request amount is withdrawn from an account in the business name of the first financial application by the financial server, and the withdrawn amount is deposited into an account in the business name of the second financial application.
How to provide peer-to-peer financial services. delete delete delete delete delete delete delete delete delete