KR20020078319A - Method for providing Electronic Pocket Service using Instant Messenger - Google Patents

Abstract

PURPOSE: An electronic wallet service method is provided to enable a user to perform a payment or a financial transaction process at a user terminal, for example, a PDA(Personal Data Assistant) or a smart phone by using an instant messenger. CONSTITUTION: The method comprises steps of an instant messenger server receiving a request of an electronic wallet messenger installation from a user(S201), the instant messenger server transmitting the requested electronic wallet messenger installation data to a user terminal(S202), an electronic wallet authentication server receiving user registration data and an electronic wallet authentication request from the user terminal(S203), the electronic wallet authentication server processing the authentication request(S204), the electronic wallet authentication server allocating an authentication number to the user(S205), the user requesting to a service system a financial transaction process such as a value deposit, a value transfer, a payment, or a value restoration via an instant messenger(S206), the service system processing the requested financial transaction under the authentication of the electronic wallet authentication server(S207), and the service system transmitting the financial transaction result to the user via the instant messenger(S208).

Description

How to provide electronic wallet service using instant messenger {Method for providing Electronic Pocket Service using Instant Messenger}

The present invention relates to a method for providing an electronic wallet service using an instant messenger, and a computer readable recording medium recording a program for realizing the method. In particular, an instant in which a user can perform payment and financial processing through an instant messenger. A method of providing an electronic wallet service using a messenger and a computer-readable recording medium having recorded thereon a program for realizing the method.

Conventional techniques are described with some examples.

First, the first example is described as follows. Due to the development and popularization of communication technology, data communication techniques such as the Internet have become popular. Based on this Internet, various business methods have emerged, and e-commerce is one of them.

Electronic commerce refers to a commerce activity in which goods are sold, purchased, and exchanged online, and even though the goods are delivered offline, contracts for the goods are made online.

E-commerce is being represented in various ways such as B2C (Business to Customer), B2B (Business to Business), B2G (Business to Goverment), and Peer to Peer (P2P).

In such e-commerce, the payment of funds is still far from the level of using bank accounts or credit cards, and online credit cards provided by credit card companies in the B2C field have recently appeared. In some cases, cryptocurrencies such as electronic coins, which occur within the range allowed by the site of the network, were used.

However, such an electronic coin has a problem that there is a limit to its use because it is not a means commonly used in real society, and there is a confusion problem for users to use because there is not a single way commonly used in electronic commerce.

The use of bank deposits or credit cards in electronic commerce has been difficult and difficult for users to use because of its complexity and reliability.

Secondly, in the conventional management of funds for individuals, they may transfer funds, purchase goods online, and in some cases sell services or goods and get paid. In addition, individuals who perform these tasks are often online. Therefore, there is a high desire to facilitate such personal financial processing online.

However, in the past, the financial processing of individuals has a problem that is not complicated, such as the need to use an online banking service that requires the use of financial processing methods offline or through various procedures.

Third is instant messenger. As the Internet is becoming more common and many people use the Internet in an environment where they can access the Internet by wire or wirelessly, instant messengers are also widely used. It has gradually become an area of the Internet along with e-mail and web services.

Therefore, various services are provided through an instant messenger, which users have used. Based on the real-time message transmission, it is variously provided by providing contents, connecting with wired / wireless communication means, and checking mail. This is a phenomenon that is indicated by the use of more users, and also indicates that the instant messenger is popularized.

Therefore, using such an instant messenger service, the user wants to be able to perform his own financial processing. In particular, a user performing various activities using an instant messenger wants to include financial activities in these various activities. However, there has been a problem that it is still not possible to perform such financial services using an instant messenger.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and provides a method for providing an electronic wallet service for performing a user's financial processing through an instant messenger and a computer readable recording recording a program for realizing the method. The purpose is to provide a medium.

1 is an exemplary configuration diagram of a network system to which the present invention is applied.

2 is a flowchart illustrating an embodiment of a method for providing an electronic wallet service using an instant messenger according to the present invention.

Figure 3a to 3k is another embodiment detailed flow diagram for a method for providing an electronic wallet service using an instant messenger according to the present invention.

* Explanation of symbols for the main parts of the drawings

11: wireless terminal 12: wired terminal

13: Gateway 14: Internet

15: server

In accordance with another aspect of the present invention, there is provided an instant messenger service applied to an instant messaging system, comprising: a first step in which a server receives an electronic wallet registration for using an electronic wallet service of an instant messenger from a user; A second step of receiving, by the server, a login connection for using an electronic wallet from an instant messenger user, and authenticating whether the user registers the electronic wallet; A third step of the server receiving an electronic wallet use request from the instant messenger user authorized to use the electronic wallet and analyzing the contents of the electronic wallet use request of the user; A fourth step of the server processing a financial job requested from the user using an instant messenger identification number (ID); And the fifth step of providing the user with the result of using the electronic wallet by the instant messenger to the user.

The present invention also provides an instant messaging system having a processor, comprising: a first function of receiving an electronic wallet registration for using an electronic wallet service of an instant messenger from a user; A second function of receiving a login connection for using an electronic wallet from an instant messenger user and authenticating whether the user registers the electronic wallet; A third function of receiving an electronic wallet use request from the instant messenger user authorized to use the electronic wallet and analyzing the contents of the electronic wallet use request; A fourth function of processing a financial job requested from the user using an instant messenger identification number (ID); And a computer-readable recording medium having recorded thereon a program for realizing a fifth function of providing the user with the result of using the electronic wallet to the user through an instant messenger.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration diagram of a network system to which the present invention is applied.

The network system to which the present invention is applied includes a wireless terminal 11, a wired terminal 12, a gateway 13, the Internet 14, and a server 15.

The present invention is based on a communication network such as the Internet. There is a server 15 which connects to such a communication network and provides a service or information, and a client receives a service or information. 1 shows a wireless terminal 11 and a wired terminal 12 as such a client.

The wireless terminal 11 refers to a terminal through which data is connected using a wireless device such as a mobile phone, a smart phone, a personal digital assistant (PDA), a pager, a notebook computer, and the like. Of course, a notebook, a media, etc. may be connected to the Internet 14 via a wire or may be connected via wireless.

The wired terminal 12 refers to a terminal connected to the Internet through a wire, such as a personal computer (PC).

The gateway 13 is a device that performs a relay role for connecting the wireless terminal 11 to the Internet 14, which is a wired communication network. That is, the gateway 13 performs call conversion and the like to exchange data between communication networks having different communication systems.

The present invention uses the instant messenger used by a user through such a wired / wireless terminal to perform financial processing of the user and financial processing with another user using the instant messenger.

2 and 3 illustrate a method for providing an electronic wallet service using an instant messenger according to the present invention through a flowchart.

The present invention is to enable the financial processing through the electronic wallet in the instant messenger, it is possible to operate not only the operation of virtual money by the service provider, but also the actual money to be used for electronic payment.

When Internet users want to get the goods, information, and services they want, they want to make a payment with ease and with little exposure of personal information. These needs can be solved through instant messengers that are widely used.

Electronic wallet instant messenger according to the present invention can securely purchase and purchase information and goods, the function of the electronic wallet can be additional charging, refund, etc., the use of the electronic wallet anytime, anywhere on the network, more Furthermore, as the user creates an online store, payment can be processed through an electronic wallet.

The electronic wallet service according to the present invention can be implemented in various forms through an instant messenger, for example.

First, the user selects and installs a messenger having an electronic wallet function and receives separate authentication for the electronic wallet portion of the installed messenger. In this case, the authentication may be performed through a separate electronic wallet certification authority such as an electronic signature certification authority. That is, the third party is authenticated to increase the reliability.

In this way, the user who has authenticated the electronic wallet purchases goods, information, and the like, receives a payment request from the seller, processes the payment through the electronic wallet of the instant messenger, and the payment is made under the authentication of the electronic wallet certification authority.

The charging of the user's electronic wallet account can be done by credit card, bank transfer, etc., and instant messenger users receive a separate subscription and approval to use the electronic wallet.

A little different from the above, there is a method of changing the amount of the user in the server according to the payment processing through the user's electronic wallet and paying the corresponding site, the administrator and the user. To put it simply, the user's account is managed by the server, and with the user's approval, the account is withdrawn from the account for payment processing. The certification body described above may play this role.

In addition, the instant messenger user requests the use of the electronic wallet in his or her instant messenger, receives the information input and setting request from the server, and executes the electronic wallet through the certification authority. Here, the electronic wallet may be a method that continues to be used once issued, and may be a new electronic wallet issued when the electronic wallet is continuously deducted from the specified amount when issued.

The electronic wallet in the instant messenger can be applied as variously as the use of the instant messenger, and the electronic wallet undergoes a log and authentication process.

The electronic wallet according to the present invention can be charged, refunded, transferred, received, settled, deposited. In this case, the recharging means that the user replenishes the money in the user's electronic wallet from another account, and the refund is to deposit the money of the electronic wallet in his / her bank account, and the transfer transfers the money to another electronic wallet or the bank account. Receipt is the receipt of money sent in response to a transfer request from another user, payment refers to payment for purchase of goods, use of services, etc., and deposit is left to a creditable institution for electronic transactions. Means receiving the goods, services, etc. and delivering them to the seller. In the present invention, an electronic wallet can be used in such various ways.

In addition, the electronic wallet according to the present invention can be interoperable in various terminals, it is easy to pass the electronic wallet data to PDA, smart phone, etc., the user can receive the electronic wallet service using his wireless terminal.

2 and 3 illustrate the present invention by way of example, FIG. 2 illustrates the installation and utilization of a general electronic wallet instant messenger, and FIG. 3 illustrates a user who uses an instant messenger in FIGS. 3A to 3K. Describes the installation and use of electronic wallets.

2 is a flowchart illustrating a method for providing an electronic wallet service using an instant messenger according to the present invention.

First, the instant messenger server receives the installation data of the electronic wallet messenger from the user through the network (201), and transmits the electronic wallet messenger installation data to the user's terminal (202).

If the user who installed the electronic messenger wishes to register the electronic wallet, the corresponding message is sent from the electronic messenger.

The electronic wallet authentication server receives a user's electronic wallet authentication request along with registration information from the electronic wallet messenger user (203).

The electronic wallet authentication server performs authentication for the electronic wallet messenger user (204), and assigns the electronic wallet authentication number to the electronic wallet messenger user (205).

The electronic wallet messenger user requests financial processing such as charging, transferring, payment, refund, deposit, etc. using the electronic wallet of the messenger (206), and performs the financial processing requested by the user under the authentication of the electronic wallet authentication server (207). .

The result of the financial processing requested by the user is notified to the user's electronic wallet messenger (208).

3A to 3K are detailed flowcharts of another embodiment of a method for providing an electronic wallet service using an instant messenger according to the present invention.

2 briefly describes the overall contents of the electronic wallet service using the instant messenger. This will be described in detail with reference to FIGS. 3A to 3K.

First, the electronic wallet management server of the instant messenger receives the electronic wallet registration request from the instant messenger user (301). The electronic wallet of the instant messenger may be in the form of having an electronic wallet function from the installation, or may be implemented in a form of plugging in the electronic wallet.

The electronic wallet management server requests the user to input electronic wallet registration data (302) and receives data necessary for registration from the user (303). Then, it is checked whether there is an error in the input registration data (304). Here, the error of the registration data means that the data input by the user is insufficient for the electronic wallet registration. That is, not only data transmission error and input error but also data insufficiency and so on.

As a result of checking whether there is an error in the input registration data, if there is an error, it is transmitted to the user's electronic wallet instant messenger that there is an error in the input registration data (305). Through this, the user can reconnect and perform registration through a registration request. Of course, the user may be asked to retry with the error notification to repeat the input process. In the present embodiment, all the processes can be repeatedly performed as described above, but the process is omitted and is terminated.

As a result of checking whether there is an error in the input registration data, if there is no error, the instant messenger of the user is notified of the use of the electronic wallet (306). In this way, the user can use the electronic wallet through his instant messenger.

The electronic wallet management server receives an electronic wallet use request from an electronic wallet instant messenger user (307), requests the user to input login information for using the electronic wallet (308), and receives electronic wallet login information from the user (309). . That is, in the above process, after the user is able to use the electronic wallet of the instant messenger, the user undergoes an authentication process indicating that the user is a registered user to use the electronic wallet.

As a result of checking whether the user can use the electronic wallet, the electronic wallet management server notifies the user of the instant messenger with the reason that the user cannot use the electronic wallet. Impossible reasons can be for a variety of reasons, such as user input error, unregistered.

The electronic wallet management server checks whether the user can use the electronic wallet, and if the user can use the electronic wallet, present the user's electronic wallet through the instant messenger (312). That is, when we log in to the instant messenger and the e-wallet login goes smoothly, as the various information appears, the user can see the set related information.

After the login is made, the user receives an electronic wallet using command (313), and checks (314) which command the user inputs.

As a result of checking which command the user inputs, if it is charging, the user requests payment account information for charging to receive payment account information from the user (315), and requests the input of the charging amount to input the amount to be charged from the user. It receives an input (316).

The payment account information, which is the charging information input by the user, and the charging amount are presented to the user (317), and the user's request for modification is checked (318). That is, when the user checks the contents input by the user and wants to modify them, the user can request this. In the specific implementation example, the user may press one of the confirmation button or the modification button, and if there is no modification request for a predetermined time, it may be determined that there is no modification request. This implementation can follow the example of a general program.

As a result of the check, if there is a user's request for correction, the process repeatedly requests the payment account information for charging and is input from the user (315). This is a re-entry in the case of modification, of course, it is also possible to modify the user's selection only for the details to be modified by the user.

As a result of checking whether there is a modification request of the user, if there is no modification request of the user, a charging operation is performed based on the input contents of the user (319).

After performing the charging operation according to the user's request, the electronic wallet management server analyzes whether the charging proceeds correctly and is processed 320.

As a result of the analysis, if the charging is processed, the charging process is processed and the charging processing history is presented to the user through the instant messenger (321). If the charging is not processed, the charging failure and the reason for which the charging is not processed are processed through the instant messenger. Guide (322).

Next, the refund request of the user will be described. Refunds illustrate the opposite concept of charging as described above.

As a result of checking which command the user who inputs the electronic wallet using command has entered, if the refund is requested, the user requests input of account information for refund and receives input from the user (323), and receives input from the user by requesting the refund amount input. (324). Here, the refund is to transfer the amount of money charged in the electronic wallet to the bank account, etc. to withdraw cash, and the user can charge and refund between his electronic wallet account and the bank account. Of course, a fee may be incurred.

The refund account information and the refund amount input by the user are displayed through the user's instant messenger (325), and the user's request for correction is analyzed (326). As a result of the analysis, if the user has a request for correction, the process is repeatedly performed from the process of receiving input from the user by requesting input of account information for refund.

As a result of the analysis, if there is no correction request from the user, a refund operation is performed (327), and it is checked whether the refund processing is correctly performed (328).

As a result of the check, if the refund has been processed, it is delivered to the user's instant messenger with the processing details (329), and if the refund process has not been made, the refund failure and the reason are transmitted to the user's instant messenger ( 330). There may be a number of cases where the refund process cannot be performed, so in each case, the server informs the user of the reason why the process is not performed.

Next is a variant. A transfer is to transfer a certain amount of money from a user's electronic wallet to another user. There can be a variety of transfer methods such as a transfer can be made using the messenger ID between the electronic wallet of the instant messenger, the transfer can be made from the user's electronic wallet to another user's real account.

As a result of checking whether the user who inputs the e-wallet using command through the electronic wallet of the instant messenger enters a command, if it is a transfer command, information about the target person of the transfer is input from the user (331), and the transfer amount is input (332). According to the user's selection, other information such as a message is input (333).

The electronic wallet instant messenger presents the user's input history for the transfer (334), and determines whether the user has a request for modification (335).

As a result of determining whether there is a modification request of the user, if there is a modification request, the process is repeated from the process of receiving input information of the transfer target from the user (331), and if there is no correction request, the electronic wallet management server based on the user's input history The transfer operation is performed (336).

After performing the transfer operation, the electronic wallet management server checks whether the transfer operation was performed correctly (337). If the check result shows that the transfer operation was performed correctly, the transfer processing is completed and the transfer processing history is completed. In step 338, the user can confirm this.

In the present embodiment, the transfer is described as not requiring all processing to be completed according to the transfer request of the sender, but the receiver needs to accept the payment of the sender for payment. Even in financial services such as transfers, the user may desire to cancel it again after processing. Many of the work on the Internet is based on this and has a "revert" function and a cancel function. Of course, there may be disadvantages such as the complexity of the financial processing, and may be implemented so that the processing is completed immediately at the request of the sender.

As a result of checking whether the transfer operation has been performed correctly, if the transfer operation was not performed correctly, the user's instant messenger notifies the transfer failure and reason (339). Failure to transfer may occur in various ways, such as when the user's electronic wallet has insufficient balance than the amount of the transfer, or when the information on the subject of the transfer is incorrect or insufficient.

Next, a payment request is demonstrated. A payment request is for a user to request payment from another user when the user needs to receive payment from another user (payment of goods and service provision, loan of funds, etc.). The user can confirm such a payment request through an instant messenger and perform an immediate payment on his or her electronic wallet.

As a result of checking whether the user who inputs the e-wallet using command through the electronic wallet of the instant messenger inputs a command, if the payment is requested, the user inputs information of the payment request target (340) and inputs the payment request amount from the user. Receive (341), and receives other information, such as a message from the user (342).

The payment request details input by the user are presented through the user's electronic wallet instant messenger (343), and the user checks whether there is a modification request (344).

As a result of the check, if there is a user's correction request, the process is repeated from the step 340 of receiving information of the payment request target user from the user, and if there is no user's correction request, the payment request message from the user is delivered to the payment request target user ( 345).

Next, the deposit will be described. Deposits are based on the preliminary meaning of "depositing money and securities, etc., in accordance with the regulations" in the depository, and transfer the amount to a trusted authority for the goods you want to purchase during e-commerce. After confirming this, the seller provides the goods so that the transfer of funds can be made. In this embodiment, this is referred to as a deposit. In the case of electronic commerce, in particular, transactions between individuals are often unreliable, such a countermeasure has been proposed.

As a result of checking whether the user who inputs the electronic wallet use command is input through the instant messenger electronic wallet, if it is a deposit instruction, the user receives information on the person to whom the deposit is delivered (346), and the amount that the user wants to deposit. Receives the input (347), the deposit conditions are input (348), and other information, such as delivery messages are received (349). That is, the subject information such as the instant messenger identification number (ID) of the subject is required, the amount of the deposit is required, the designation of the deposit period or the conditions under which the deposit is actually passed to the other party, and other information is required. This information may be input from the user as it may be needed.

The user's input history for the deposit is presented to the user through the user's instant messenger (350), and the user's request for modification is checked (351).

As a result of the check, if there is a user's request for correction, the process is repeated from the step 346 of receiving information about the person who is to receive the deposit from the user. In step 353, the user deposits the user's deposit guide message through the deposit messenger's instant messenger. Of course, if an error occurs in the depository process, it is treated as an error and notified to the user.

Next, the processing withdrawal will be described. This refers to a case where the user wants to withdraw the transaction while the user is requesting a transfer, payment request, deposit, etc. while the corresponding matter is in progress. That is, in the transfer, once the user requests the transfer of funds to another user and proceeds with it, the transfer can be withdrawn in a situation where the other user has not yet accepted it. Of course, the same applies to payment requests and deposits.

The revocation of a transfer is explained using e-mail as an example. Previously, PCs could cancel mail sent to other users before it was read by the recipient, and applied it to the transfer of funds. We have decided to transfer the funds, but you can cancel them later. Of course, in this case, when the user receives the transfer of funds, it is subject to the condition that payment is possible, and is presented as an example in this embodiment.

As a result of checking whether the user who inputs the e-wallet using command is inputted through the electronic wallet of the instant messenger, if the processing is withdrawn, the user checks whether there is a job that has been previously requested and processed (354).

As a result of the check, if there is no work in progress, the user is informed via the instant messenger that there is no work in progress (355), and if there is a work in progress, the progress list for the user's processing request is extracted and presented to the user. (356).

The object to be withdrawn from the process is selected from the user through the list (357), and the content selected by the user is presented to the user (358). In operation 359, the user analyzes whether the user desires to change the selection details.

As a result of analyzing whether the user wants to change, if the user wishes to make a change, the process is repeated from the process 356 of presenting a progress list for the processing request of the user, and if the user does not want to change, the process requested by the user The withdrawal operation is performed (360).

The electronic wallet management server checks whether the withdrawal operation requested by the user proceeds smoothly (361). As a result of the check, if the withdrawal of processing has not been made, a notification of failure and the reason for the withdrawal is performed (361). Notify that the processing request has been withdrawn (363).

Next, the settlement will be described. Payment is to allow the user to approve and allow the operation to be performed when the user deposits funds into the user's electronic wallet or spends money from the user's electronic wallet.

The user checks which command the user inputs the e-wallet using command through the electronic wallet of the instant messenger, and if it is a payment command, the user is guided to the list of received payment requests (365), and the payment target is selected from the user. (366) Analyze what processing the user wishes for the selected object (367).

As a result of analyzing what processing the user wants for the selected object, when the user selects to delete the payment request, the user deletes the payment request which is the selected object from the list (368), and sends a payment request dismissal message to the payment requester (369). ).

As a result of analyzing what processing the user desires for the selected object, if the user approves payment, the user receives input of payment approval from the user (370) and performs a payment operation based on the input information (371). In operation 372, it is checked whether the payment is made correctly.

As a result of the check, if the payment is not made correctly, the payment is notified and a message informing the reason is delivered to the user's instant messenger (373).

As a result of checking whether the payment is made correctly, when the payment is made, the payment processing is completed and the payment details are guided (374), and a message informing the payment requester is transmitted (375).

Next, the guidance menu of transaction details is demonstrated. This is a process of guiding the transaction details processed by the user using the electronic wallet.

If the user entered the e-wallet using the electronic wallet through the instant messenger checks the command entered by the user, and if the transaction history, check the user's e-wallet processing history to inform the types of transaction history that can be provided (376), The transaction history type that the user wants to check is selected through the electronic wallet instant messenger (377), and the user is requested to input the inquiry period to receive the input (378).

The electronic wallet management server displays the transaction type and duration entered by the user through the instant messenger of the user (379), and checks whether there is a change request from the user (380).

After checking whether there is a change request from the user, if there is a change request, the process is repeated from the step (376) of guiding the types of transaction history that can be provided. If there is no change request from the user, the transaction history requested by the user is extracted from the database. In operation 382, the extracted transaction details are presented to the user through an instant messenger.

Next, user information management. In order to use an electronic wallet, user registration must first be performed, and thus a process of managing information about the registered user can be performed.

When the user who inputs the electronic wallet using the instant messenger wallet checks which command the user inputs, and selects user information management, the user's instant messenger guides the user's registration information (383). It is checked whether or not a change of registration information is desired (384).

If the user confirms that the user wants to change the registration information, and the user does not wish to change the registration information, the user information management process is terminated with the registration information guide. The user information to be changed is input (385), the changed user information is stored in the database (386), and the user information including the change information is guided to the user through the instant messenger (387).

The above shows an embodiment of a service for providing an electronic wallet in an instant messenger, and may be selectively used among various menus according to circumstances, and another menu may be added. However, this is achieved under the feature of the present invention that an electronic wallet can be used in an instant messenger.

In addition, the amount processed by the electronic wallet may be a real circulation currency, or may be a virtual currency used on the Internet or a specific site.

The present invention not only provides an instant messenger including an electronic wallet service, but also enables the use of an instant messenger electronic wallet in another communication device by using a feature capable of interworking with another communication device such as an instant messenger, a mobile phone, and a PD. do. That is, a certain amount of money is transferred from the electronic wallet of the instant messenger to the corresponding communication device, or other communication devices may be used together with the account used by the instant messenger so that the financial data flow of the user may be collectively performed.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

As described above, the present invention has an effect of enabling financial processing through an instant messenger so that Internet users can easily process payments with reliable and low exposure of personal information.

In addition, the present invention, it is possible to securely pay and purchase information and goods through the electronic wallet instant messenger, the function of the electronic wallet can be additional charging, refund, etc., the use of the electronic wallet anytime and anywhere on the network Furthermore, the user can make an online store and process payment through an electronic wallet.

In addition, the present invention, by combining the instant messenger and the electronic wallet to add the function of the instant messenger, there is an effect to maximize the characteristics of the instant messenger in using the electronic wallet.

Claims (8)

In the instant messenger service applied to an instant messaging system, A first step in which the server receives an electronic wallet registration for using an electronic wallet service of an instant messenger from a user; A second step of receiving, by the server, a login connection for using an electronic wallet from an instant messenger user, and authenticating whether the user registers the electronic wallet; A third step of the server receiving an electronic wallet use request from the instant messenger user authorized to use the electronic wallet and analyzing the contents of the electronic wallet use request of the user; A fourth step of the server processing a financial job requested from the user using an instant messenger identification number (ID); And The server may provide the user with the result of using the electronic wallet to the user through an instant messenger; Electronic wallet service providing method using an instant messenger comprising a. The method of claim 1, The fourth step, A fifth step of charging, by an electronic wallet management server, funds of the electronic wallet from the account of the user identified based on the input of the user for the electronic wallet charging request requested from the user; The electronic wallet management server performing a transfer of funds from the electronic wallet of the user to the account of the receiver based on the instant messenger identification number (ID) of the receiver for the money transfer request requested from the user; And A seventh step in which the electronic wallet management server refunds the funds of the electronic wallet to the account of the user identified based on the input of the user for the refund request requested from the user; Electronic wallet service providing method using an instant messenger comprising a. The method of claim 2, An eighth step of the electronic wallet management server extracting and depositing a predetermined amount of money from the electronic wallet of the user based on the deposit condition received for the deposit processing request input from the user; Electronic wallet service providing method using an instant messenger comprising more. The method of claim 2, An eighth step of the electronic wallet management server providing a list of payment targets to be processed by the user in response to a payment request input from the user, selecting a payment target from the user, and processing a payment using the electronic wallet of the user; Electronic wallet service providing method using an instant messenger comprising more. The method according to any one of claims 2 to 4, The ninth step of the electronic wallet management server delivers the user's money payment request to the recipient based on the instant messenger identification number (ID) of the recipient received from the user according to the payment request delivery command input from the user; Electronic wallet service providing method using an instant messenger comprising more. The method of claim 5, The tenth step of the electronic wallet management server extracts the transaction details of the user based on the instant messenger identification number (ID) of the user for the transaction history request input from the user to provide to the user Electronic wallet service providing method using an instant messenger comprising more. The method of claim 5, The tenth step of the electronic wallet management server to perform the electronic wallet registration information provision and registration information change processing according to the user's request to the registration information management request input from the user; Electronic wallet service providing method using an instant messenger comprising more. In an instant messaging system having a processor, A first function of receiving an electronic wallet registration for using an electronic wallet service of an instant messenger; A second function of receiving a login connection for using an electronic wallet from an instant messenger user and authenticating whether the user registers the electronic wallet; A third function of receiving an electronic wallet use request from the instant messenger user authorized to use the electronic wallet and analyzing the contents of the electronic wallet use request; A fourth function of processing a financial job requested from the user using an instant messenger identification number (ID); And A fifth function of providing the user with the result of using the electronic wallet to the user through an instant messenger; A computer-readable recording medium having recorded thereon a program for realizing this.