KR20030052526A - Method for servicing financial transaction using electronic money - Google Patents

Abstract

PURPOSE: A method for supplying a financial transaction service using electronic money is provided to supply a financial transaction service such as a single remittance using electronic money deposited in a virtual account set in a P2P system. CONSTITUTION: In a method for supplying a financial transaction service among a plurality of clients using an actual account and a virtual account having a charged electronic money, virtual accounts corresponded to a wireless terminal identifier of the clients(remitter, receiver)(100,100/2) connected through a wire/wireless network are created(S312). The withdrawal available money is searched in a virtual account of the remitter(100), and transmitted to the remitter(100)(S313). Remittance transaction data including a receiver wireless terminal identifier and the remittance amount are received from the remitter(100)(S303). Single remittance information is created, and the created single remittance information is transmitted to the receiver(100/2)(S315). The amount of remittance is withdrawn out of electronic money in the virtual account of the remitter(100) in accordance with a response of the receiver(100/2)(S317) and charged in the virtual account of the receiver(100/2)(S319).

Description

How to provide financial transaction service using electronic money {METHOD FOR SERVICING FINANCIAL TRANSACTION USING ELECTRONIC MONEY}

The present invention relates to a financial transaction service method, and more particularly, to a method for providing a financial transaction service using electronic money, which provides a financial transaction service such as simple remittance, reservation remittance, automatic transfer, etc. made between clients using wired / wireless terminals. .

In general, for the transfer of funds between individuals, funds transfer services between real accounts are provided through banks, ATMs, the Internet, and telephones.In recent years, individual-to-person remittance services using e-mail have been performed at home and abroad. Was released.

A more detailed description of personal-to-person remittance services using e-mail follows.

First, there is a system that allows the sender to send money without the account number of the payee by using the payee's e-mail. The payee checks the remittance e-mail, accesses the corresponding Internet site, and transfers the transferred money to his or her account. It only played the role of keeping the money remitted to the recipient.

Another conventional technique is to use a virtual account that facilitates payment to a second financial institution and its affiliated bank using a virtual account, which, when a financial transaction request occurs, is applied to both the second financial institution and the affiliated bank. And the results of the transaction must be shared between the second bank and the bank, therefore, this method requires a prior agreement between the bank and the second financial institution / virtual account management institution (for example, a financial transaction relay internet site). It must be available, and thus has not been used for wide field applications.

The prior arts had a limitation of being serviced only by on-line, and when using the service, the account number had to be entered as when using an off-line service of a financial institution.

Therefore, the above technologies have a problem in that the user is troublesome to use, transfer costs are incurred, and space used is limited.

Another conventional technique is to use a virtual account set in a bank having a real account of a client as a financial transaction service means, and when a financial transaction request is made between a remitter and a remitter having a real account in different banks, Banks with real accounts of the payer and the payee provide financial transaction services between the sender and the payee using a virtual account set up in the bank. However, each bank has a problem that it is expensive to install a virtual account management server to support the financial transaction services between the sender and the payee.

An object of the present invention is to solve the problems of the prior art, a method of providing a financial transaction service using electronic money to provide a financial transaction service such as simple money transfer using electronic money deposited in a virtual account set in a P2P system. To provide.

Another object of the present invention is to provide a method for providing a financial transaction service using electronic money, which provides a reservation remittance financial transaction service between clients using electronic money charged in a virtual account of the client.

Still another object of the present invention is to provide a method for providing a financial transaction service using electronic money, which provides an automatic debit financial transaction service between clients using electronic money charged in a virtual account of the client.

In order to achieve the above object, the present invention is to create a virtual account corresponding to the wireless terminal identifier of the client (including the sender and the remitter) connected through the wired and wireless network, and through the wired and wireless network Searching for a withdrawal amount in the sender's virtual account and sending it to the remitter according to a simple remittance request of the remitter connected to the remitter; Generating information and transmitting the generated simple remittance information to the payee; withdrawing the remittance amount from electronic money to the remitter's virtual account according to the remitter's response and charging the remitter's virtual account; It comprises the step of.

According to another aspect of the present invention, there is provided a method of providing a financial transaction service between a plurality of clients using a virtual account filled with electronic money. Generating a virtual account corresponding to a wireless terminal identifier of a client (including a remitter and a remitter), and searching for a withdrawal amount to the remitter's virtual account according to a remittance request of a remitter connected through the wired / wireless network; Transmitting to the remitter, receiving reservation remittance transaction data including the remitter's wireless terminal identifier, the remittance amount, and the reserved remittance date from the remitter, generating reservation remittance information, and pre-setting the remittance information Checking the reservation remittance date by searching at intervals; Transmitting the reserved remittance information to the remitter according to a pre-booked remittance date, and withdrawing the remittance amount from the electronic money to the remitter's virtual account according to the remitter's response to charge the remitter's virtual account; Steps.

According to another aspect of the present invention, there is provided a method for providing a financial transaction service between a plurality of clients using a virtual account filled with electronic money, wherein the client connected through a wired or wireless network ( Creating a virtual account corresponding to a wireless terminal identifier of a remitter and a remitter), and searching for a withdrawal amount to the remitter's virtual account according to a request for automatic transfer of a remitter connected through the wired / wireless network. Sending to the mobile terminal, generating the automatic transfer information by receiving the remitter's wireless terminal identifier, the automatic transfer amount, and the automatic transfer date from the remitter, and retrieving the automatic transfer information at a predetermined time interval. And checking the remitter according to the debit date based on the check result. And withdrawing the debit amount from the electronic money in the virtual account of the money collector to the virtual account of the payer.

1 is a block diagram showing a financial transaction service system using electronic money applied to the present invention,

2 is a flow diagram illustrating a virtual account setup and membership step applied to the present invention,

3 is a flow chart showing a transaction history and reservation information inquiry applied to the present invention,

4 is a flow chart showing a real account change process applied to the present invention,

5 is a flow chart showing a simple remittance process according to an embodiment of the present invention,

6 is a flowchart illustrating a reservation remittance process according to another embodiment of the present invention;

7 is a flow chart showing an automatic money transfer process according to another embodiment of the present invention,

8 is a flow diagram illustrating a process of charging and recharging electronic money applied to the present invention.

9A to 9E are exemplary views illustrating an electronic money charging process applied to the present invention.

10a to 10b is an exemplary view showing a transaction history inquiry process applied to the present invention,

11A to 11E are exemplary views illustrating an automatic money transfer process according to the present invention.

12a to 12c is an exemplary view showing a reservation transfer process according to the present invention,

13a to 13d is an exemplary view showing a simple remittance process according to the present invention,

14A to 14D are exemplary views illustrating a member registration step applied to the present invention.

<Description of the code | symbol about the principal part of drawing>

100: client 200: P2P system

210: financial server 220: database

300: bank server

There may be a plurality of embodiments of the present invention, and a preferred embodiment will be described in detail below with reference to the accompanying drawings. Those skilled in the art will be able to better understand the objects, features and advantages of the present invention through this embodiment.

1 is a block diagram showing a financial transaction service system using electronic money applied to the present invention.

As shown here, the financial transaction service system includes a plurality of clients (100/1 to 100 / n: 100), a financial server 210 and a database 220, a P2P system 200, a plurality of bank servers ( 300/1-300 / n: 300).

The client 100 owns a wired / wireless terminal that can be linked with a communication network such as a wired / wireless network and can receive financial transaction services such as virtual account application, money transfer, and account transfer, and uses a wired / wireless network using its own wired / wireless terminal. Access to the P2P system 200 through, and receives the financial transaction services such as virtual account application and transfer, reservation transfer, account transfer provided by the connected P2P system 200.

The wired / wireless terminal owned by the client 100 is a communication means capable of receiving a financial transaction service by interworking with a wireless terminal or the Internet such as a PDA or a cellular phone that receives a wireless Internet service (especially a financial transaction service) in connection with a wireless network. And a computer having a.

Among the wired / wireless networks connecting the client 100 and the P2P system 200, the wireless network may include a WAP (WAP) for providing a wireless Internet service between the wireless terminal of the client 100 and the peer to peer (P2P) system 200. Wireless Application Protocol) and the wired network interoperate with the wired terminal of the client 100 and the P2P system 200 to provide a financial transaction service provided by the P2P system 200 to the wired terminal of the client 100.

The bank server 300 has a communication means for interworking with the P2P system 200, and stores the P2P system 200 and a plurality of client real accounts. Various financial transaction services provided by the P2P system 200 are provided. It will be reflected in the real account of the P2P system 200 and the plurality of clients 100.

The P2P system 200 sets up a virtual account corresponding to the wireless terminal identifier of the client 100 according to the virtual account setting of the client 100, and performs financial transactions such as simple transfer, reservation transfer, and automatic transfer of the client 100. According to the service request, the remittance amount (ie, electronic money) set in the virtual account of the client 100 is charged or reduced.

The financial server 210 of the P2P system 200 grants the client 100 a virtual account corresponding to the wireless terminal identifier of the client 100 according to the request of the client 100, and the virtual server assigned to the client 100. Using the account, the client 100 provides financial related services such as simple transfer, reservation transfer, automatic transfer or recharge and currency exchange to the client 100. Financial-related services made by the financial server 210 is reflected in the electronic money deposited in the virtual account of the client 100, the financial server 210 according to the transfer request of the remitter client 100 of a certain amount (remittance amount) After the electronic money is withdrawn from the virtual account, the amount of money remitted by the remitter is charged in the virtual account of the payer client 100.

In addition, the financial server 210 charges or refunds a certain amount of electronic money deposited in the virtual account of the client 100 according to the request of the client 100, and in response to the charging request of the client 100, the bank server 300. Transfers a command to the bank server 300 to transfer a certain amount from the real account of the client 100 set to the predetermined account (real account owned by the P2P system 200) to the bank server 300, and requests a refund from the client 100. If there is a bank server 300 transmits a command to deposit a certain amount from the real account set up to the real account of the client 100.

The database 220 may include an ID and password, virtual account information assigned in correspondence with a wireless terminal identifier of the client 100, and a real of the client 100 so that the client 100 may receive financial related services using a wired terminal. Data such as account number, bank name, social security number, wireless terminal identifier (wireless terminal number), transaction details for using financial related services, and point scores awarded for financial transactions are stored. Is updated according to the financial transaction.

Description of the financial transaction services such as money transfer, automatic transfer, virtual account setup, electronic money charging, client registration information inquiry, etc. using the financial transaction service system having the above configuration is as follows.

FIG. 2 is a flow diagram illustrating a virtual account setup and membership step applied to the present invention, and FIGS. 14A to 14D are exemplary diagrams illustrating a subscription step using a wireless terminal applied to the present invention.

First, the client 100 accesses the financial server 210 of the P2P system 200 through a wired / wireless network to access the P2P system 200 that provides the financial transaction service, and the financial server 210 connects to the client. In response to the membership request of 100, an input window for inputting data required for membership is provided to the wired / wireless terminal of the client 100 (S101).

As shown in Figs. 14A to 14B, the financial server 210 enters a wireless terminal number (cell phone number), password, social security number, house account account (real account), and email address into the wireless terminal of the client 100. It provides an input window, and the data input by the client 100 will be transmitted to the financial server 210 through a wired or wireless network after the final confirmation.

The client 100 transmits an e-mail address, a wireless terminal identifier (wireless terminal telephone number), a name, and the like inputted to an input window through a wireless terminal operation to the financial server 210 through a wired / wireless network.

The financial server 210 provides the data received from the client 100 to the database 220 and receives the authentication key and virtual account number corresponding to the wireless terminal identifier of the client 100 from the database 220. In addition, the client 100 is registered in the database 220 as a standby member state (S102 and S103).

The financial server 210 transmits the authentication key received from the database 220 to the wireless terminal of the client 100 in the form of a short message or by using the email address of the client 100 (S104). As shown in FIG. 14C, the financial server 100 transmits a message to the wireless terminal of the client 100 to log in by inputting an authentication key and an authentication key in the form of a short message through a wireless network.

After receiving the authentication key from the financial server 210, the client 100 reconnects to the financial server 210 by operating a confirmation command and inputs the authentication key received from the financial server 210 into the input window to log in. Through (S105).

The financial server 210 receives the authentication key input in the input window and compares the authentication key value generated in the database 220. When the authentication key is incorrect, the financial server 210 requests re-entry to the wired / wireless terminal of the client 100. If the inputted authentication key is the same as the authentication key value generated in the database 220, as shown in FIG. 14D, a message indicating completion of the registration process is transmitted to the client 100 (S105). In this case, the financial server 210 sets the virtual account number generated by the database 220 as the virtual account of the client 100 and stores it in the database 220 and inputted by the client 100. The data is stored in the database 220 and the client 100 is registered in the database 220 as a regular member in the standby member state.

After completing the membership registration, the client 100 selects a member information inquiry menu provided by the financial server 210 of the P2P system 200 and requests the financial server 210 to search for member information, and the financial server 210 According to the member information inquiry request of the client 100, a request is made to search the member information data in the database 220 using the wireless terminal identifier of the client 100 (S107 and S108).

The financial server 210 receives the member information data from the database 220 and displays it on the wired / wireless terminal of the corresponding client 100 (S109).

The client 100 may change an ID, a real account set in a bank, a password, an address, etc. using the member information data transmitted from the financial server 210.

3 is a flowchart showing a transaction history and reservation information inquiry applied to the present invention, Figure 10a to 10b is an exemplary view showing a transaction history inquiry process applied to the present invention.

As shown in the drawing, the financial server 210 provides a menu window for selecting a transaction history inquiry, remittance related menu, reservation transaction inquiry, etc. to the client 100 connected through a wired / wireless network, and the client 100. In accordance with the transaction history inquiry menu selection of the) transaction information is retrieved from the database 220 using the ID of the client 100 or the wireless terminal identifier (S201, S202, S203). In this case, the financial server 210 provides the client 100 with a condition input window for setting a condition such as a period or a transaction title to be inquired in the transaction history inquiry, and the client 100 is provided with the financial server 210. By using the condition input window provided by the user, the desired transaction details can be matched.

Referring to FIG. 10A, when the client 100 accesses the financial server 210 using the wireless terminal, the service menu provided by the financial server 210 to the wireless terminal of the client 100 is shown.

The financial server 210 searches the database 220 according to a condition set by the client 100 and displays the retrieved data on the wired / wireless terminal of the client 100 (S204). For example, referring to FIG. 10B, Remittance information, a deposit transaction date, a current balance, a remittance amount or a deposit amount are displayed on the wireless terminal of the client 100.

In addition, the financial server 210 requests the reservation transaction data corresponding to the client 100 to the database 220 according to the reservation transaction history inquiry request of the client 100, and requests the reservation transaction data retrieved from the database 220. The display is displayed on the wired / wireless terminal 100.

Here, the reservation transaction data refers to such as reservation remittance, reservation recharge, automatic transfer, etc. set by the client 100, and can be changed according to the client 100's modification request.

4 is a flowchart illustrating a real account change process applied to the present invention. As shown in FIG. 4, the client 100 requests a real account change by accessing the financial server 210 through a wired / wireless network ( S301).

The financial server 210 provides an input window for inputting a bank code, a real account number, a name, and the like to the wired / wireless terminal of the client 100 according to a real account change request of the client 100, and inputs the input window into the input window. Receive the data (S302, S303). The financial server 210 requests authentication from the bank server 300 using the received data, and receives a response code indicating whether a real account input by the client 100 exists from the bank server 300. (S304, S305).

If a real account entered by the client 100 exists in the bank server 300 (if authenticated), the financial server 210 instructs the database 220 to update the real account of the client 100. After the update is completed, a message informing that the real account has been changed is transmitted to the client 100 in the form of a short message or an email (S306, S307).

When the real account input by the client 100 does not exist in the bank server 300, the financial server 210 transmits a message indicating that the real account number input to the wired / wireless terminal of the client 100 is wrong.

5 is a flow chart showing a simple remittance process according to a preferred embodiment of the present invention, Figure 13a to 13d is an exemplary view showing a simple remittance process according to the present invention.

The client 100/1 will be described under the assumption that the remitter client 100/1 withdraws and remits a certain amount of electronic money charged to his / her virtual account to the remitter client 100/2.

As shown in FIG. 5, when the remitter client 100/1 selects a simple remittance menu from among remittance menus such as simple remittance, direct debit, and remittance provided by the financial server 210, the financial server 210 The virtual account of the sender client 100/1 and the electronic money that can be withdrawn are searched, and an input window for inputting related data to the payee is displayed on the wired / wireless terminal of the sender client 100/1 (S310, S311, S312, S313). As an example, referring to FIGS. 13A to 13C, when the remitter client 100/1 accesses the financial server 210 by using a wireless terminal, the financial server 210 is a remitter (recipient) or remittance. Display the input window for inputting remittance-related data such as the amount, attachment message, social security number, etc. on the wireless terminal of the remitter's client (100/1). Provides an input window where you can enter). After completing the input of the data related to the transfer, the remitter client 100/1 determines whether the input data is correctly input and transmits it to the financial server 210 using the send command (S314).

The financial server 210 receives data related to the remittance transaction input by the remitter client 100/1 (recipient, remittance amount, social security number, remitter's wireless terminal identifier (telephone number)), processes it, and sends a simple remittance. Generates information and sends the generated simple remittance information to the payer client (100/2). If the payer client (100/2) does not have a virtual account, attach a button for selecting a subscription command to sign up. It transmits (S315).

The financial server 210 waits for a response from the payee client 100/2 that has transmitted the simple remittance information, and if there is no response from the payee client 100/2 even after a predetermined time has elapsed, the payer client 100 / 1) provide a message in the form of an e-mail or short message notifying the recipient that the transfer was not completed because there was no response.

In addition, the financial server 210 processes the remittance amount after receiving a response from the payer client 100/2 in which the virtual account is set, which is the virtual account of the remitter and the payer client 100/1 and 100/2. Is retrieved from the database 220, the amount of the money is subtracted from the electronic money deposited in the virtual account of the sender client 100/1, and the amount transferred to the electronic money deposited in the virtual account of the payer client 100/2. And (S317), and registers a point score given at a predetermined rate with respect to the use of financial transaction services such as money transfer in the database 220 (S319). In other words, the financial server 210 searches the database 220 for the point score of the remitter client 100/1 and adds the point score given to the retrieved point score.

Thereafter, the financial server 210 provides a message indicating the completion of the remittance to the remitter client 100/1 in the form of an e-mail or a short message as shown in FIG. 13D (S318).

If a subscription request command is received from a collectible client 100/2 having no virtual account set up, the financial server 210 receives the collectible client 100/2 through a membership registration procedure as described in FIG. 2. In addition to registering as a member in the database 220 and granting a virtual account to the client (100/2) of the collection (S316), and proceeds to step 317, step 318, step 319 using the granted virtual account.

6 is a flow chart showing a reservation remittance process according to another preferred embodiment of the present invention, Figures 12a to 12c is an exemplary view showing a reservation remittance process according to the present invention.

As shown in FIG. 6, when the remitter client 100/1 selects a remittance transfer menu from among remittance menus such as simple remittance, direct debit, and remittance transfer provided by the financial server 210, the finance server 210 may transmit the remittance client. Display the input window for searching the virtual account of the remitter client (100/1) and the withdrawable electronic money and inputting relevant data to the searched withdrawable electronic money and the remitter on the wired / wireless terminal of the remitter client (100/1). (S321, S322, S323). As an example, referring to FIGS. 12A to 12C, when the remitter client 100/1 accesses the financial server 210 by using a wireless terminal, the financial server 210 is a remitter (recipient) or remittance. Display the input window for inputting the reservation remittance-related data such as the amount, attachment message, social security number, time to be sent (reservation date), etc. on the wireless terminal of the remitter client (100/1). Provides an input window for entering a phone number (wireless terminal phone number). After completing the input of the data related to the reserved remittance, the remitter client 100/1 determines whether the input data is correctly input and transmits the data to the financial server 210 using the send command (S324).

The financial server 210 receives and processes data related to the reservation remittance transaction input by the remitter client 100/1 (recipient, remittance amount, social security number, remittee wireless terminal identifier (telephone number), reservation date). The reservation remittance information is generated, and the generated reservation remittance information is registered in the database 220 (S325). The financial server 210 retrieves the reservation date from the reservation remittance information registered in the database 220 at predetermined time intervals, and transmits the reservation remittance information to the client 100/2 when the search result is the same day. If the client 100/2 does not have a virtual account, the sender attaches a subscription command selection button for subscription (S326, S327).

The financial server 210 waits for a response from the remitter client 100/2 which has transmitted the reserved remittance information, and if there is no response from the remitter client 100/2 even after a predetermined time has elapsed, the remitter client 100 / 1) provide a message in the form of an e-mail or short message notifying the recipient that the transfer was not completed because there was no response.

In addition, the financial server 210 processes the remittance amount after receiving a response from the payer client 100/2 in which the virtual account is set, which is the virtual account of the remitter and the payer client 100/1 and 100/2. Is retrieved from the database 220, the amount of the money is subtracted from the electronic money deposited in the virtual account of the sender client 100/1, and the amount transferred to the electronic money deposited in the virtual account of the payer client 100/2. And (S329), and registers the point score given at a predetermined rate for the use of financial transaction services, such as money transfer (S331). In other words, the financial server 210 searches the database 220 for the point score of the remitter client 100/1 and adds the point score given to the retrieved point score.

Thereafter, the financial server 210 provides a message indicating the completion of the transfer to the remitter client 100/1 in the form of an e-mail or a short message as shown in FIG. 13D (S330).

If a subscription request command is received from a collectible client 100/2 having no virtual account set up, the financial server 210 receives the collectible client 100/2 through a membership registration procedure as described in FIG. 2. In addition to registering as a member in the database 220 and granting a virtual account to the client (100/2) of the collection (S328), and proceeds to step 329, step 330, step 331 using the granted virtual account.

7 is a flow chart showing an automatic money transfer process according to another preferred embodiment of the present invention, Figures 11a to 11e is an exemplary view showing an automatic money transfer process according to the present invention.

As shown in FIG. 7, when the remitter client 100/1 selects an automatic remittance menu from among remittance menus such as simple remittance, automatic transfer (automatic remittance), reserved remittance, etc. provided by the financial server 210, the financial server (210) retrieves the virtual account and the electronic money withdrawable money of the sender client (100/1), and inputs an input window for inputting the relevant data to the searched withdrawable electronic money and the payee of the sender client (100/1) Displayed on the wired or wireless terminal (S341, S342, S343). As an example, referring to FIGS. 11A to 11D, when the client 100/1 who is a remitter accesses the financial server 210 by using a wireless terminal, the financial server 210 performs simple remittance and automatic transfer (automatic remittance). ), Reservation remittance, and menus are displayed on the wireless terminal of the remitter's client (100/1), and data related to the direct debit remittance such as the recipient (recipient), remittance amount, attachment message, social security number, transfer date, etc. according to the menu selection. An input window that can be input is displayed on the wireless terminal of the remitter client (100/1), and when this data related to the remittance is completed, an input window for inputting a remitter's telephone number (wireless terminal telephone number) and a transfer start date and transfer Provides an input window for entering the end date. After completing the input of the data related to the automatic transfer, the remitter client 100/1 determines whether the input data is correctly input and transmits the data to the financial server 210 using the send command (S344).

The financial server 210 transmits data related to the automatic remittance (transfer) transaction input by the remitter client 100/1 (recipient, remittance amount, social security number, remitter's wireless terminal identifier (telephone number), transfer date). Receives this processing to generate automatic transfer information, and registers the generated reservation remittance information in the database 220 (S345). The financial server 210 retrieves the transfer date from the automatic transfer information registered in the database 220 at a predetermined time interval, and processes the remittance amount of the automatic remittance information when the search result is the transfer date, which is a remitter and a receivable client ( 100/1, 100/2) is retrieved from the database 220, the money transfer amount is subtracted from the electronic money deposited in the virtual account of the remitter client 100/1, and then the payer client (100/2) The electronic money deposited in the virtual account of the remittance amount of the remittance amount (S347), and the point score given at a predetermined rate for the use of financial transaction services such as remittance is registered in the database 220 (S349). In other words, the financial server 210 searches the database 220 for the point score of the remitter client 100/1 and adds the point score given to the retrieved point score.

Thereafter, the financial server 210 provides a message indicating the completion of the transfer to the remitter client 100/1 in the form of an e-mail or a short message, as shown in FIG. 11E (S348).

As described above, when the point scores given to the client 100/1 who applied for simple remittance, reservation remittance and automatic transfer are more than a predetermined score, the financial server 210 sets the accumulated point score to a preset ratio. In accordance with the electronic money is converted into a virtual account of the sender 100 (100/1).

8 is a flow chart showing an electronic money charging and repayment service process applied to the present invention, Figures 9a to 9e is an exemplary diagram showing the electronic money charging process applied to the present invention.

As shown in FIG. 8, the client 100 applying for membership to the P2P system 200 and setting up a virtual account may select one of menus provided by the financial server 210 to charge electronic money in the virtual account. When the electronic money charging (account transfer) is selected, the financial server 210 searches the database 220 and displays the current balance of the electronic money deposited in the virtual account of the client 100 and the client 100 through the wired / wireless network. Provides an input window for inputting the amount of money to be charged in the wired / wireless terminal, the name of the bank server 300 having the real account, the resident number, the wireless terminal identifier, the real account password, etc. (S401, S402, S403).

For example, referring to FIGS. 9A to 9D, when the client 100 accesses the financial server 210 using a wireless terminal and selects to charge from a menu provided to the financial server 210, the client 100 may be charged. Screen is displayed on the wireless terminal browser, and after completing the input of the data required for charging, the financial server 210 transmits an input information confirmation window asking whether the inputted content is correct or not to the wireless terminal of the client 100.

When the client 100 inputs data through an input window provided by the financial server 210 and transmits the data to the financial server 210 of the P2P system 200 through a wired / wireless network (S404), the P2P system 200 The financial server 210 generates charging information based on the charging data transmitted from the client 100, and transmits the generated charging information to the bank server 300 having a real account of the client 100 through a dedicated line. The client 100 instructs to transfer the amount of charge input by the client 100 from the real account 100 to a preset real account (real account owned by the P2P system 200) (S405).

Receiving the transfer completion notification from the bank server 300, the financial server 210 retrieves the electronic money information of the client 100 by searching the database 220, the amount of the charge required by the client 100 to the electronic money Charged (S406, S407). After completing the charging, the financial server 210 transmits a message indicating the completion of charging to the wired / wireless terminal of the client 100 in the form of an e-mail or a short message (S408). For example, as shown in FIG. 9E, the financial server 210 transmits the electronic money information deposited in the current virtual account in the form of a short message together with a message that the charging is completed to the wireless terminal of the client 100. .

When the client 100 selects the electronic money remittance from the menu provided by the financial server 210 in order to refund the electronic money deposited in the virtual account to the real money, the financial server 210 searches the database 220. A wired / wireless input window for inputting an electronic money amount charged in a virtual account of the client 100 and a desired amount of money exchange, a name of the bank server 300 having a real account, an account number, etc. Provided to the terminal (S409, S410, S411).

When the client 100 inputs the money related data through the input window provided by the financial server 210 and transmits the data related to the financial server 210 of the P2P system 200 through the wired / wireless network, the P2P system 200 The financial server 210 generates the refund information (the bank server 300 in which the real account of the client 100 is opened and the exchange amount, etc.) based on the refund related data transmitted from the client 100, and generates the generated refund information. Transfer to the bank server 300 that has a real account of the client 100 through a dedicated line to instruct the transfer of the exchange amount input by the client 100 from the preset real account to the real account of the client 100 (S412) , S413).

Receiving the transfer completion notification from the bank server 300, the financial server 210 retrieves the electronic money information of the client 100 by searching the database 220, and the exchange amount required by the client 100 in electronic money Subtract it (S415). After completing the exchange, the financial server 210 transmits a message indicating the completion of the refund to the wired / wireless terminal of the client 100 in the form of an email or a short message (S416).

As described above, by providing a financial transaction service such as remittance, automatic remittance, and reservation remittance, which are performed between clients who have been given a virtual account corresponding to the wireless terminal identifier, by using the wireless terminal identifier of the client, the financial transaction service request client is provided. When using the service, it is possible to reduce the inconvenience of entering the account number, thereby enhancing the convenience of the client.

In addition, by using a virtual account filled with electronic money for the financial transaction service made between the other lines, it is possible to reduce the cost due to the transfer of funds to the client between the other line financial transaction services.

Claims (15)

A method of providing a financial transaction service between a plurality of clients using a real account and a virtual account filled with electronic money, Generating a virtual account corresponding to the wireless terminal identifier of the client (including the remitter and the remitter) connected through the wired / wireless network; Retrieving a withdrawal amount to the remitter's virtual account according to a simple remittance request of the remitter connected through the wire / wireless network, and sending it to the remitter; Receiving remittance transaction data including the remitter's wireless terminal identifier and the remittance amount from the remitter, generating simple remittance information, and transmitting the generated simple remittance information to the remitter; And retrieving the remittance amount from electronic money in the virtual account of the remitter and charging the remitter's virtual account according to the remitter's response. The method of claim 1, When the payee who has been informed of the simple remittance information does not have the virtual account, the bank uses the electronic money to generate a virtual account corresponding to the wireless terminal identifier of the payer at the request of the payee. How to Provide Transaction Services. The method of claim 1, The virtual account creation step, Generating a confirmation key and a virtual account number for authentication of the client according to the wireless terminal identifier of the client according to the virtual account request of the client, and setting the client as a standby member; Transmitting the confirmation key generated by the data generator through the wired / wireless network to the client in the form of a short message or an e-mail, and providing an input window for inputting the confirmation key to the client; Comparing and confirming the confirmation key input in the input window and the generated confirmation key, and setting the client from a standby member to a full member based on the determination result and registering the virtual account number as a virtual account. Method of providing a financial transaction service using electronic money, characterized in that. The method of claim 1, After charging the remittance amount to the virtual account of the payee, Method of providing a financial transaction service using electronic money, characterized in that to provide a remittance complete message in the form of an email or a short message to the sender. The method of claim 1, The method of charging the electronic money, Withdrawing electronic money information charged to the virtual account of the client according to a charging request of the client connected through the wired / wireless network; Receiving charge data including a charge amount and a bank set in a real account from the charge request client; Directing an account transfer from the real account of the bank to a preset real account based on the charging data; And recharging a recharge amount to a virtual account of the requisition requesting client after completion of the account transfer. The method of claim 5, After completing charging of the amount charged into the virtual account of the client Method of providing a financial transaction service using electronic money, characterized in that for transmitting the charge complete message to the client in the form of an email or a short message. The method of claim 1, The wireless terminal identifier is, The financial transaction service providing method using the electronic money, characterized in that the client's wireless terminal telephone number. The method of claim 1, If there is no answer from the recipient, Method for providing a financial transaction service using electronic money, characterized in that notified by the short message or e-mail message to the sender that the remitter did not complete the transfer due to no response. In the method of providing a financial transaction service between a plurality of clients using a virtual account filled with electronic money, Generating a virtual account corresponding to the wireless terminal identifier of the client (including the remitter and the remitter) connected through the wired / wireless network; Retrieving a withdrawable amount in the virtual account of the remitter according to a remittance request of the remitter connected through the wire / wireless network and sending the remittable money to the remitter; Generating reservation remittance information by receiving reservation remittance transaction data including the remitter's wireless terminal identifier, remittance amount, and remittance remittance date from the remitter; Checking the reservation remittance date by searching the reservation remittance information at predetermined time intervals; Transmitting the reservation remittance information to the payee in accordance with the check remittance date based on the check result; And retrieving the remittance amount from electronic money in the virtual account of the remitter and charging the remitter's virtual account according to the remitter's response. The method of claim 9, In the case where the remittee notified of the reserved remittance information does not have the virtual account, a virtual account corresponding to the remitter's wireless terminal identifier is generated at the request of the remittee. How to Provide Transaction Services. The method of claim 9, After charging the remittance amount to the virtual account of the payee, Method of providing a financial transaction service using electronic money, characterized in that to provide a remittance complete message in the form of an email or a short message to the sender. The method of claim 9, The wireless terminal identifier is, The financial transaction service providing method using the electronic money, characterized in that the client's wireless terminal telephone number. In the method of providing a financial transaction service between a plurality of clients using a virtual account filled with electronic money, Generating a virtual account corresponding to the wireless terminal identifier of the client (including the remitter and the remitter) connected through the wired / wireless network; Retrieving the amount of withdrawal in the sender's virtual account according to the transfer request of the remitter connected through the wire / wireless network and sending it to the remitter; Generating automatic transfer information by receiving the remitter's wireless terminal identifier, automatic transfer amount, and automatic transfer date from the remitter; Checking the automatic transfer date by searching the automatic transfer information at predetermined time intervals; Financial transactions using electronic money, comprising: withdrawing the automatic transfer amount from the electronic money to the sender's virtual account based on the check result and charging it to the payer's virtual account; How we deliver the service. The method of claim 13, After charging the remittance amount to the virtual account of the payee, Method of providing a financial transaction service using electronic money, characterized in that to provide a remittance complete message in the form of an email or a short message to the sender. The method of claim 13, The wireless terminal identifier is, The financial transaction service providing method using the electronic money, characterized in that the client's wireless terminal telephone number.