KR20020093483A - Method and system for mobile regular or irregular deposit using wireless internet - Google Patents

Abstract

PURPOSE: A system and method for a mobile installment savings are provided to receive a fixed or unfixed installment savings service without visiting a financial institution directly by embodying the installment savings service through a wireless Internet using a wireless mobile communication terminal. CONSTITUTION: A web server(31) is connected to a client(10) through a mobile communication terminal having a wireless Internet connection function and a wireless mobile communication network(20), connected to a financial institution server(40) through a wire or wireless communication network, and supplies a basic wireless Internet service with respect to the client(10) who is being connected through the wireless mobile communication network(20). Installment savings managing module(32) creates a virtual installment savings account according to clients, and arranges data and creates taxation data in the case that the client(10) performs an installment savings in the virtual installment savings account. The installment savings managing module(32) is interlocked with the financial institution server(40) in a predetermined time, and identifies the virtual installment savings account with an actual account of the financial institution server(40). A billing module(33) is interlocked with the financial institution server(40) and the installment savings managing module(32) and charges a terminal rental fee of the client(10) in accordance with installment savings data in accordance with the virtual account. A database(34) stores various kinds of data including personal information according to clients, the installment savings data related to the virtual account, and accounting data according to clients.

Description

Mobile deposit system and method using wireless internet {Method and system for mobile regular or irregular deposit using wireless internet}

The present invention relates to a mobile depositing system and method using the wireless Internet, and more particularly to a wireless Internet that can implement a regular or occasional savings service through the wireless Internet using a wireless mobile communication terminal without having to visit a financial institution directly It relates to a mobile saving system and method using.

In financial services such as deposits or deposits, the most common form is to bring IDs and stamps, visit a financial institution in person, open an account, go to a financial institution with the money you want to deposit at any time or on a certain date, and make a deposit or deposit. to be.

Of course, with the development of technology, so-called telebanking services using telephones, account transfer services through automated devices, or so-called PC banking and Internet banking services using the Internet are gradually expanding their scope. However, even in the case of using such a telebanking or internet banking, it is necessary to install a different application software for each financial institution, and to visit a financial institution at least once and take a predetermined procedure to manage ID and password for user authentication. It is common to do it. In other words, to make a deposit or deposit, you must visit a financial institution at least once in any form.

The present invention has been made in view of the above, by implementing a savings service through the wireless Internet using a wireless mobile communication terminal, convenient or regular regardless of time and place without the user going directly to a financial institution It is an object of the present invention to provide a system and method for receiving occasional savings service.

1 is a block diagram showing the overall configuration of a system in which a mobile saving system according to the present invention is implemented;

2 is a flowchart illustrating a process of opening an account in the mobile occasional saving method;

3 is a flowchart illustrating a process in which a client makes an occasional deposit through a terminal after an account is opened;

4 is a flowchart illustrating a process of depositing service in a mobile periodic depositing method;

5 is a reference diagram showing an example in which the process of the savings service is displayed on the client terminal according to the present invention.

<Description of Signs of Major Parts of Drawings>

10 ... clients, 20 ... wireless networks,

30 ... mobile deposit server, 40 ... financial institution server

The present invention for achieving the above object, in the mobile depositing system using the wireless Internet, connected to the client side via a mobile communication terminal and a wireless mobile communication network equipped with a wireless Internet access function, wired or wireless communication network A web server connected to a financial institution server and providing a basic wireless Internet service for a client connected through a wireless mobile communication network; Create a virtual savings account for each client, and when the client makes a deposit in the virtual savings account, the data is arranged and the charging data is generated, and at the same time, the virtual savings account and the virtual savings account are interworked with the financial institution server. Savings management module for matching the actual account of the financial institution server; A billing module for billing a terminal usage fee of a client according to deposit data according to the virtual account in association with the financial institution server and the deposit management module; And a database for storing a variety of data including personal information for each client, saving data related to the virtual account, and billing data for each client.

In addition, the method according to the present invention, in the mobile depositing method using the wireless Internet, a first step in which the mobile depositing server generates a virtual account for a client connected to the mobile depositing server via a wireless mobile communication terminal and a wireless mobile communication network; ; A second step of the mobile depositing server processing a deposit amount input by the client at any time by accessing the mobile depositing server based on the generated virtual account; And a third step of matching the data of the account of the financial institution with the data of the virtual account by transmitting the saving data based on the virtual account to the financial institution server at a predetermined time determined by the mobile saving server. do.

According to another aspect of the present invention, in the mobile depositing method using the wireless Internet, a first step in which the mobile depositing server generates a virtual account for a client connected to the mobile depositing server through a wireless mobile communication terminal and a wireless mobile communication network; ; A second step of accumulating a savings amount into the created virtual account at a first predetermined time determined by the mobile savings server; And a third step of matching the data of the account of the financial institution with the data of the virtual account by transmitting the savings data based on the virtual account to the financial institution server side at a second predetermined time.

EMBODIMENT OF THE INVENTION Hereinafter, the Example by this invention is described in detail with reference to an accompanying drawing.

1 is a block diagram showing the overall configuration of a system for implementing a mobile saving system according to the present invention. As shown in the drawing, a client 10, a wireless mobile communication network 20, a mobile saving server 30, and a financial institution are illustrated. It consists of the server 40.

The client 10 is a wireless mobile communication terminal having a wireless Internet access function, and includes, for example, a cellular phone, a PCS terminal, a PDA terminal, and the like, which are currently widely used.

The wireless mobile communication network 20 is a general mobile communication network that performs voice call and data communication wirelessly with a terminal of the client 10 in a predetermined frequency band, and is generally composed of a base station and a switching center (MSC). Since the wireless mobile communication network 20 is not directly related to the present invention, a detailed description thereof will be omitted.

The mobile deposit server 30 is connected to the client 10 through the wireless mobile communication network 20 through the wireless Internet, and also connected to a financial institution server 40 such as a bank through a wired (or wireless) communication network. do. The mobile deposit server 30 may be provided at a wireless mobile communication provider (for example, 011) or may be a server separate from the wireless mobile communication service provider. In the case of building as a separate server, a device such as a WAP gateway may be required in the wireless mobile communication network 20, but since it is a known technology, a detailed description thereof will be omitted.

The mobile deposit server 30 is a web server 31 for processing a service of a client 10 connected through a mobile communication network, a deposit management module 32 for performing deposit management corresponding to the client 10, which will be described later. It is composed of a billing module 33 for billing processing in conjunction with the financial institution server 40 and a database 34 for storing various data.

The deposit management module 32 operates as follows. First, when the client 10 accesses and authenticates through the web server 31, the corresponding storage information is displayed for each client 10 or a virtual saving service is performed. That is, when the client 10 makes a deposit through the terminal, the client 10 records the deposit in the database and notifies the financial institution server 40 when the fee is normally processed at a predetermined time, for example, at the same time as the terminal usage fee settlement date. Specific procedures and various modifications of the savings service will be described later.

The database 34 stores user personal identification information and various kinds of data related to savings for each client 10.

Financial institution server 40 is connected to the mobile deposit server 30 to transmit and receive various data. Herein, financial institutions mean offline financial institutions, that is, various financial institutions capable of carrying out savings such as banks, investment trust companies, securities companies, credit safe deposit boxes, and Saemaul vaults. When the deposit service, which has been virtually processed in the mobile deposit server 30, is processed and notified by the actual terminal fee payment, the client 10 performs a process such as opening an account or arranging transfer details as in the case of general savings. ) Allows you to withdraw real money offline.

Next, a detailed procedure of the mobile saving method using the wireless Internet made under the configuration as shown in FIG.

2 and 3 is a flow chart showing an embodiment of a mobile deposit method using the wireless Internet according to the present invention, Figure 2 shows a process of opening an account in the mobile occasional deposit method and Figure 3 is an account opened This is a process for when a client makes a deposit through the terminal. First, an account opening process in the mobile saving method will be described with reference to FIG. 2.

The client 10 accesses the mobile storage server 30 via the mobile communication network 20 using a wireless mobile communication terminal equipped with a wireless Internet access function (S100). Here, accessing the mobile saving server 30 may mean that the mobile saving server 30 moves to a corresponding service menu through a terminal when the mobile saving server 30 is provided at the mobile communication network operator. If not provided, it may mean that a separate mobile storage server 30 is connected through the wireless Internet.

When the client 10 is connected to the mobile deposit server 30 may be required to go through the authentication process to enter the ID and password if necessary. Although it may be said that authentication of the client 10 is unnecessary by the number of the terminal, in order to prevent unauthorized use by others, it is preferable to perform an authentication process by inputting an ID and a password.

The mobile deposit server 30 may provide the client 10 with information such as predetermined information that should be informed to the client 10 in relation to opening a new account, such as a contract, an offline financial institution, the types of deposits that can be selected, and the interest rate for savings. 10) and confirms the agreement to this (S110). The consent confirmation may use a method of pressing a predetermined keypad on the terminal.

If the agreement is confirmed from the client 10 side, the financial institution 40 to specify the password of the account to be actually used (S120).

When the password is transmitted, the mobile deposit server 30 stores the client's personal information (personal information stored in the mobile deposit server 30 as all information necessary for opening an account such as a name, social security number, telephone number, address) and the password. To transmit to the financial institution server 40 (S130).

The financial institution server 40 checks whether there is no problem in opening an account by a predetermined procedure based on the transmitted personal information, and then confirms whether the account opening is approved and transmits a confirmation signal to the mobile storage server 30. (S140).

When the confirmation signal is transmitted, the mobile saving server 30 to create the same virtual account for the client (S150). Here, the virtual account refers to the financial institution server 40 when the client 10 makes a temporary request for deposit or the like through the terminal, and then temporarily processes the payment. This is used in that it transmits data to the side to match the actual account. In other words, the deposit information corresponding to the client 10 is temporarily stored in a database on the mobile deposit server 30 side and then matched with the actual account data on the financial institution server 40 side at a predetermined time.

When the virtual account is created, the mobile saving server 30 transmits a message indicating that all procedures related to account creation have been normally processed to the client 10 and ends the procedure (S160). However, this step may be omitted.

Next, with reference to Figure 3 will be described in the process of the client when the occasional deposit through the terminal after the account is opened.

First, the client 10 accesses the mobile storage server 30 through the wireless Internet through the process described with reference to FIG. 2 and performs a predetermined authentication process if necessary (S200).

When the client 10 accesses and authenticates, the mobile deposit server 30 checks whether an account is opened by referring to a database, and if the account is opened, displays an initial screen of a service available to the client 10 toward the client 10. The transmission waits for the selection of the client 10 (S210).

When the client 10 selects the occasional saving service, the mobile saving server 30 to input the saving amount (S220).

When the deposit amount is input, the mobile deposit server 30 processes the amount as stored in the virtual account as described in FIG. 2 (S230). Processing as being stored in the virtual account means updating the information on the amount of money, date, etc. in the database of the mobile saving server 30 and at the same time adding the corresponding amount to the terminal usage fee. That is, the billing module 33 for billing as shown in FIG. 1 adds a deposit amount to billing data for the client 10 while modifying the database associated with the virtual account.

When the deposit processing is normally performed on the virtual account, the mobile deposit server 30 transmits the normal processing message to the client 10, terminates the procedure for the client 10, and returns to the initial screen (S240).

After the depositing procedure is performed on the virtual account in this manner, as described above, when the predetermined time is reached, the actual account of the financial institution server 40 is matched with the corresponding data. Here, the predetermined time may be a specific date previously designated with the financial institution server 40 side, but preferably the day when the client 10 normally pays the terminal fee for the mobile communication provider side (for example, no bankbook). In case of deposit, it is recommended to set the date of cash deposit (or the next day), the case of direct debit (or the next day), or the card payment (or the next day). This period is hereinafter referred to as "payment period."

That is, when the payment time is set as described above, the mobile deposit server 30 checks whether the normal payment is made for each client 10 (S250).

In the case where the normal settlement is made, the storage related data from the previous settlement time is transmitted to the financial institution server 40 (S260). At this time, the data to be transmitted is data stored in the virtual account, and includes personal information of the client and data related to the savings (saving date, saving amount, etc.).

The financial institution server 40 modifies and updates the data on the actual account of the client based on the transmitted data, checks whether the processing is normal, and transmits a confirmation signal to the mobile storage server 30 (S270). Will end.

Next, a process of opening an account and a process of depositing service in the mobile periodic saving method will be described with reference to FIG. 4.

The procedure of opening an account in the regular saving method may be performed in the same manner as described with reference to FIG. 2. However, due to the nature of regular savings, the information to inform the client in step S110 is slightly different. For example, interest rates, terms and conditions will vary. In addition, unlike the occasional deposit, the periodic deposit must specify a deposit date in that a predetermined amount must be deposited on a predetermined date of a predetermined cycle. The client 10 may select the deposit date, but the client 10 may select it. It is desirable to make the deposit automatically at the "payment time" as shown. Other points are the same as the account opening process in FIG.

4 is a flowchart illustrating a process of processing a periodic deposit service. 4 is different from the flowchart of FIG. 3 in that it is a regular saving service. That is, the regular savings service is not a client can deposit at any time, and a certain amount of money is deposited by the mobile savings server 30 on a specific date specified in the account opening process, and the financial institution server 40 at the "payment time". Difference in terms of Therefore, it is sufficient to process a predetermined amount of money on a specific predetermined date regardless of the connection of the client 10 or the like.

First, the mobile saving server 30 checks whether a specific date specified in advance for each client 10 has been reached (S300). Here, the specific day refers to the time when the deposit is recorded as the deposit into the virtual account of the mobile deposit server 30. The "payment time" as described above is most preferable for the safety of the payment, but not necessarily. There is no need to match this.

When the specific day has come, the mobile deposit server 30 processes the predetermined deposit amount as being deposited in the virtual account as described in FIG. 2 (S310). Processing as deposited in the virtual account means the same as described in FIG. That is, by updating the information such as the amount of money, the date, etc. in the database of the mobile saving server 30, and adding the corresponding amount to the terminal usage fee, while modifying the database associated with the virtual account, as shown in FIG. In the billing module 33 for billing, the savings amount is added to billing data for the client 10.

Next, the mobile storage server 30 checks whether the "payment time" as described in FIG. 3 (S320). If the settlement time, the mobile storage server 30 checks whether or not the normal payment is made for each client (10) (S330).

When the normal payment is made, the banking institution server 40 transmits the savings related data from the previous settlement time (S340), and the financial institution server 40 stores the data on the actual account of the client based on the transmitted data. After correcting and updating and confirming the normal processing, and sends a confirmation signal to the mobile storage server 30 side (S350), the procedure is terminated.

On the other hand, Figure 5 shows a reference to the menu appearing on the client-side terminal when the savings service according to the present invention. FIG. 5 illustrates an occasional savings, in which a client accesses a mobile savings server, inputs a predetermined savings amount, and the mobile savings server side performs a processing thereof.

In the above, the configuration and operation of the present invention has been described with reference to the most preferred embodiment of the present invention, but the present invention is not limited to the above embodiments, and through various modifications and improvements within the true scope of the present invention. Of course, variations are possible.

For example, a method of allowing the client 10 to use the amount deposited in the financial institution server 10 when paying the terminal usage fee to the mobile communication provider side. To this end, the amount of money that is stored in the financial institution server 10 using the SMS service or the like on the day before the fee for use payment is transmitted to the client 10 side, and then the amount of money that is actually used is used for payment of the terminal fee. When the client 10 responds by pressing the predetermined keypad of the terminal, the mobile deposit server 30 withdraws the corresponding amount from the virtual account and matches the data of the financial institution server 40. can do.

In addition, the above embodiment has been described as being limited to the wireless mobile communication network, but it is not necessarily limited thereto. For example, if a general wired telephone network (PSTN) and an ARS system are used, the basic idea of the present invention can be applied as it is. It can also be applied to computers and wired Internet networks as they are. In this case, the wireless mobile communication network is applied to the wired Internet network, except that data is transmitted and received through a protocol applied to the wired Internet network, except that the same applies.

According to the present invention, by implementing an occasional or periodic deposit service through the wireless Internet using a wireless mobile communication terminal, it is possible to conveniently receive a deposit service regardless of time and place without the user directly going to a financial institution.

In addition, according to the present invention, by implementing a savings service through a virtual account and payment of the terminal usage fee, it is possible to always match the data for receiving the savings service in a real financial institution, thereby ensuring the safety of transactions.

Claims (10)

In the mobile saving system using the wireless Internet, It is connected to the client side through a mobile communication terminal and a wireless mobile communication network equipped with a wireless Internet access function, connected to a financial institution server through a wired or wireless communication network, A web server for providing basic wireless Internet service for a client connected through a wireless mobile communication network; Create a virtual savings account for each client, and when the client makes a deposit in the virtual savings account, the data is arranged and the charging data is generated, and at the same time, the virtual savings account and the virtual savings account are interworked with the financial institution server. Savings management module for matching the actual account of the financial institution server; A billing module for billing a terminal usage fee of a client according to deposit data according to the virtual account in association with the financial institution server and the deposit management module; And A database that stores various data including personal information for each client, saving data related to the virtual account, and billing data for each client. Mobile depositing system using the wireless Internet, characterized in that it comprises a mobile depositing server comprising a. In the mobile deposit method using the wireless Internet, A first step of generating, by the mobile depositing server, a virtual account for the client accessing the mobile saving server via the wireless mobile communication terminal and the wireless mobile communication network; A second step of the mobile depositing server processing a deposit amount input by the client at any time by accessing the mobile depositing server based on the generated virtual account; And A third step of matching the data of the account of the financial institution with the data of the virtual account by transmitting the saving data based on the virtual account to the financial institution server at a predetermined time determined by the mobile saving server; Mobile saving method using the wireless Internet, characterized in that it comprises a. The method of claim 2, The first step of creating the virtual account, Transmitting, by the mobile deposit server, predetermined information related to opening an account to a client connected to the mobile deposit server and confirming consent to the account; Receiving, by the mobile deposit server, a password of an account that will be actually used by a financial institution designated by a client; Transmitting, by the mobile deposit server, personal information of the client and the password to a financial institution server; Receiving, by the financial institution server, a signal from the mobile storage server confirming whether an account is open or not based on the transmitted personal information; And When the confirmation signal is sent, the mobile deposit server creates a virtual account for the client by creating a deposit entry for the client in the database. Mobile deposit method using the wireless Internet, characterized in that consisting of. The method of claim 2, A second step of processing the input red amount; And updating, by the mobile depositing server, information such as saving amount and date in the database of the mobile saving server for the client and adding the savings amount to the charging data for the client. Mobile saving method using. The method of claim 2, The third step of matching the data of the account and the virtual account of the financial institution side, Confirming, by the mobile server, whether the client normally paid the terminal usage fee at a predetermined time; Transmitting, by the mobile server, the deposit related data from a predetermined time before the predetermined time to the financial institution server when the normal payment is made; And Receiving a signal that the financial institution server is corrected and updated data on the client's actual account based on the data transmitted by the financial institution server, the mobile deposit server receives a signal confirming the normal processing Mobile deposit method using the wireless Internet, characterized in that it comprises a. In the mobile deposit method using the wireless Internet, A first step of generating, by the mobile depositing server, a virtual account for the client accessing the mobile saving server via the wireless mobile communication terminal and the wireless mobile communication network; A second step of accumulating a savings amount into the created virtual account at a first predetermined time determined by the mobile savings server; And A third step of matching the data of the account of the financial institution with the data of the virtual account by transmitting the savings data based on the virtual account to the financial institution server at a second predetermined time; Mobile saving method using the wireless Internet, characterized in that it comprises a. The method of claim 6, Transmitting, by the mobile deposit server, predetermined information related to opening an account to a client connected to the mobile deposit server and confirming consent to the account; Receiving, by the mobile deposit server, a password of an account that will be actually used by a financial institution designated by a client; Transmitting, by the mobile deposit server, personal information of the client and the password to a financial institution server; Receiving, by the financial institution server, a signal from the mobile storage server confirming whether an account is open or not based on the transmitted personal information; And When the confirmation signal is sent, the mobile deposit server creates a virtual account for the client by creating a deposit entry for the client in the database. Mobile deposit method using the wireless Internet, characterized in that consisting of. The method of claim 6, The second step of accumulating the reserve amount, Adding the savings amount to the billing data for the client while updating information such as the savings amount and the date in the database of the mobile savings server for the client at the predetermined first predetermined time; Mobile deposit method using the wireless Internet, characterized in that it comprises a. The method of claim 6, The third step of matching the data of the account and the virtual account of the financial institution side, Confirming, by the mobile server, whether the client normally paid the terminal usage fee at the second predetermined time; Transmitting, by the mobile server, the deposit related data from the second predetermined time period before the second predetermined time to the financial institution server when the normal payment is made; And Receiving a signal that the financial institution server is corrected and updated data on the client's actual account based on the data transmitted by the financial institution server, the mobile deposit server receives a signal confirming the normal processing Mobile deposit method using the wireless Internet, characterized in that it comprises a. The method of claim 9, And the first predetermined time period and the second predetermined time period are the same.