KR20040035947A - System and method for managing account of membership shop and customer having a mobile phone - Google Patents

Abstract

PURPOSE: A system and a method for managing a member shop/customer account using the mobile are provided to perform price settlement/remittance easily by providing a cash account linked with a mobile terminal of a customer and perform the cash remittance/settlement through the cash account. CONSTITUTION: A financial server(BS1) performs a remittance process to a fixed account by receiving a remittance request signal from the customer or the member shop. A mobile communication server(MCS1) transmits/receives various information from customer mobile terminals(A1-An) and objective mobile terminals(B1-Bn). An MVAMS(Mobile Virtual Account Management Server) performs an account process by receiving a registration request signal for a mobile virtual account from the customer mobile terminal. The MVAMS performs the cash remittance to the mobile virtual account of an objective customer or a settlement process to the mobile virtual account of the member shop by receiving a cash remittance signal and a settlement signal from the customer mobile terminal, and outputs confirmation information to a screen of each mobile terminal.

Description

Merchant and customer account management system using mobile and its management method {SYSTEM AND METHOD FOR MANAGING ACCOUNT OF MEMBERSHIP SHOP AND CUSTOMER HAVING A MOBILE PHONE}

The present invention relates to a merchant and customer account management system using a mobile and a management method thereof, and more specifically, a mobile virtual account management server linked to a financial server for cash transfer and payment of merchants using a cash account, a negative account, or a prepaid account. Through a mobile-to-mobile cash transfer, merchant payments, prepaid payments, etc. relates to a merchant and customer account management system using a mobile and its management method that can be made easily without a separate card.

As is well known, due to the recent development of information and communication technology, the development of information providing technology that provides real-time information to various subscribers through at least one host server through a remote data communication network is actively underway.

Based on this, in recent years, information selection technology and compression technology are being developed to more easily access peripheral technologies such as cache memory expansion technology to provide accurate information to subscribers more quickly and subscribers' tastes and preferences. It is also accelerating the development of various contents and its solutions.

Due to this situation, offline product distributors and stores are attempting to build a homepage and expand servers for online marketing. In the case of marketing at these dealers and stores, a purchase guarantee is provided for the agents and stores. The disadvantage is that you can't support it.

In other words, given the size of the store, even if the event is held in the store, there is no guarantee for the store, and consumers are not sure about how long the event will last, so There is a problem that various marketing, including through marketing, does not work.

In addition, the above-described store and agency size has a disadvantage in that an excessive amount can not be invested only by marketing costs. In particular, small sales offices that are not even the size of an agency cannot afford to calculate separate marketing costs to attract and secure customers. Therefore, there is a problem that it is almost impossible to attract new customers.

In order to solve these problems, credit card companies, etc., while securing a number of merchants under separate agreements, are in the process of establishing a system for promoting merchants through online sites or booklets of credit card companies.

This system is established to meet the desired benefits of both parties, and the credit card company can attract new card issuing customers based on the discount rate of the merchant, while simultaneously marketing the credit card. There is an advantage in that it can easily attract a large number of customers by marketing agency at credit card companies for discount rate.

However, the customer of the merchant that subscribed to the credit card affiliate system is the first reason, not a long-term customer, and whether the majority of customers are affiliated with the credit card company, and confirms whether or not to purchase goods or visit the store. There is a problem that the effectiveness of marketing through credit card companies is inadequate for the second reason.

In addition, there is a problem that the effect is further reduced as the number of affiliates of the same industry for a single credit card company increases. In particular, since most of these merchants are entertainment rather than daily necessities, it is possible to attract customers through discounts, but in the stores that provide daily necessities, credit card companies are used to attract customers through discounts and marketing the discount rate itself. The problem is that it is very difficult to communicate.

In this case, a certain operating fund must be secured for peeling off, but as mentioned above, the merchant card system of the credit card company is not a system capable of securing a certain amount of floating funds, but only one-time customer acquisition. There is a problem in that it is practically impossible to register, and registration as a merchant is not effective.

In addition, to solve each of these problems, two systems have appeared, the first is a system that grants a reserve to the purchaser in proportion to the purchase amount when purchasing the goods in a specific store to secure long-term customers. However, even though such reserve granting system can secure long-term customers, it is impossible to secure a certain amount of floating funds. In addition, since the customer recognizes that a substantial purchase price of a product is essential to actually utilize the reserve, the reserve itself is not regarded as a concept separate from cash. Therefore, there is a problem that the marketing effect is greatly reduced proportionally.

The other system is an offline voucher system. In this case, although it can be performed only by companies with a large number of distributors scattered in each region, the customers who purchase gift certificates do not immediately use them, which has advantages in securing short-term current funds. System.

However, such gift voucher system is used by large-scale gift commodity manufacturers, and it is difficult to provide as a gift in the case of daily necessities. It is difficult to invest huge amounts of money, and there is no guarantee agency for the company, so the customer's trust in the gift certificate is not absolute. In particular, since the margin ratio of the small companies is relatively higher than that of the large-scale gift certificate handling companies, investment to distribute physical gift certificates is more difficult.

Accordingly, in order to solve the above problem, the applicant filed an application for 'Electronic Gift Certificate Management System and its Management Method Using Wire / Wireless Network' on September 12, 2002 (Application No. 10-2002-55402). The present invention relates to a system for providing an electronic voucher pre-stored in an electronic voucher account of a customer pre-accounted to a management server by a merchant terminal according to an operation signal using a mobile terminal of a customer for merchant payment.

In addition, it is a system that allows the payment of the commodity price by purchasing the electronic voucher from the negative card and credit card, various loan products linked in advance when purchasing the electronic voucher.

However, the invention of the electronic voucher management system and its management method using a wired / wireless network uses an electronic voucher as a means of payment through a mobile terminal of a customer versus a merchant's mobile terminal. Since it is used only as a means for merchant payment, there is a problem in that unnecessary processing such as charging and transmitting the electronic gift certificate and updating balance information is necessary.

In addition, when purchasing the merchant voucher electronic voucher using a negative loan was applied to the same interest rate as when using cash, the customer has a disadvantage that does not feel a merit about the interest rate for merchant payment. This disadvantage is that if the merchant wants to pay cash in order to reduce the merchant fee payable by the merchant, the customer does not have a merit of the electronic voucher for merchant payment for mobile cash transfer (aka square service). There is a problem that a new derivation of the disadvantage that the cash transfer can not collect the server usage fee from the merchant owner.

In addition, in the case of a negative loan, the customer's credit limit is adjusted according to the customer's account balance and the number of days the balance is retained, so that the customer can use the 'electronic gift certificate management system using the wired / wireless network' at the merchant. Even if you pay for the purchase of goods, there is a disadvantage that does not affect the credit limit or interest rates at all.

The present invention has been made in view of the above-described prior art, and provides a cash account linked to the mobile terminal of the customer so that the customer and the merchant owner can make a 1: 1 payment using the mobile terminal. It is an object of the present invention to provide a merchant and customer account management system using a mobile and a method of managing the same, which enables easy payment and cash transfer by allowing cash transfer and cash settlement to be processed.

Another object of the present invention is to provide a negative loan account linked to the mobile terminal of the customer so that customers and merchants can make 1: 1 payments using the mobile terminal, and for the cash loan and payment loan through the negative loan account The present invention provides a merchant and a customer account management system using a mobile system and a method of managing the same, which enable easy cash loans and settlement loans by real-time processing at separate interest rates.

Another object of the present invention is to provide a negative loan account that is linked to the customer's mobile terminal using a mobile terminal, and apply a separate interest rate linked to the stock return through the processing of the loan for stock purchase through the negative loan account The present invention provides a merchant and a customer account management system using a mobile and a method of managing the same.

Another object of the present invention is to provide a negative loan account linked to the mobile terminal of the customer so that customers and merchants can make 1: 1 payments using the mobile terminal, the total amount of merchant payments through the negative loan account for a certain period And a merchant and customer account management system using a mobile device to increase the credit limit of the corresponding customer in response to the fees of each merchant and to provide the loan interest rate merit for the customer by reducing the loan interest rate for the extended credit limit. To provide a management method.

Another object of the present invention is a one-to-one payment between the customer and the merchant owners using a mobile terminal, cash transfer, cash loans, stock purchases to the customer's account when the purchase event, slot machine advertising logo split lottery To provide a merchant and customer account management system and its management method using a mobile to provide.

Another object of the present invention is to provide a prepaid account linked to the mobile terminal of the customer so that customers and merchants can make 1: 1 payments using the mobile terminal, real-time processing of the cash transfer and payment through the prepaid account The present invention provides an affiliated store and a customer account management system using a mobile device and a method of managing the same, which enable easy merchant settlement.

It is another object of the present invention to integrate a negative account, a prepaid account, and a cash account so that payments can be made using a merchant card payment terminal and an ATM terminal, which are equipped with a merchant, by using a mobile device to be linked with a separate magnetic card. Merchant and customer account management system and its management method.

Another object of the present invention is to pay the interest rate to the customer's negative account for the merchant owner when the payment processing through the prepaid account, minus account linked to the customer's mobile terminal so that the customer and the merchant owner can make a 1: 1 payment using the mobile terminal. It is to provide a merchant and customer account management system using a mobile and its management method by registering the information in advance so that interest rate settlement processing can be automatically processed to the merchant account.

1 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a first embodiment of the present invention,

Figure 2a, 2b is a view showing the data flow of the merchant and customer account management system using a mobile according to a first embodiment of the present invention,

Figure 3a, 3b, 3c, 3d is a view showing a cash transfer screen through the merchant and customer account management system using a mobile according to a first embodiment of the present invention,

4a, 4b, 4c is a view showing a merchant payment screen through the merchant and the customer account management system using a mobile according to the first embodiment of the present invention,

5 is a block diagram showing the configuration of a virtual account management server of a merchant and a customer account management system using a mobile according to a first embodiment of the present invention;

6A and 6B are flowcharts illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a first embodiment of the present invention;

7 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a second embodiment of the present invention;

8 is a table showing an interest rate settlement process of a merchant and a customer account management system using a mobile according to a second embodiment of the present invention;

9A, 9B, and 9C are data flow diagrams illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a second embodiment of the present invention;

10 is a schematic diagram schematically showing another configuration of an affiliated store and a customer account management system using mobile according to a second embodiment of the present invention;

11 is a data flow diagram showing another account account process of the merchant and the customer account management system using a mobile according to a second embodiment of the present invention;

12 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a third embodiment of the present invention;

13 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a third embodiment of the present invention;

14 is a data flow diagram showing another signal flow of the merchant and the customer account management system using a mobile according to a third embodiment of the present invention;

15 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a fourth embodiment of the present invention;

16 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a fourth embodiment of the present invention;

17 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a fifth embodiment of the present invention;

18 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a fifth embodiment of the present invention;

19 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a sixth embodiment of the present invention;

20A and 20B are flowcharts illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a sixth embodiment of the present invention.

* Description of the symbols for the main parts of the drawings *

A1-An: customer mobile terminal, B1-Bn: transfer target mobile terminal,

BS1 to BSn: Financial Server, MCS1: Mobile Communication Server,

MVAMS: Mobile Virtual Account Management Server.

In order to achieve the above object, according to a preferred embodiment of the present invention to access the virtual account management server via a wireless web network key operation unit and wireless web therein for generating various cash transfer information transmission and merchant payment processing request information; A mobile terminal of a customer with a built-in browser; A target mobile terminal having a key control unit and a wireless web browser therein for accessing a virtual account management server through a wireless web network to receive various cash transfer information and to generate transfer request information to a specific financial account; A financial server for receiving a request for a transfer request from a customer or a merchant and performing transfer processing to a corresponding account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the mobile terminal for transfer target; Receive the registration request signal for the mobile virtual account from the customer's mobile terminal to perform account processing, and transfer the cash from the customer's financial account to register the cash transfer signal and merchant payment signal from the customer's mobile terminal Receive cash transfer to a specific customer's mobile virtual account or payment process to the merchant's virtual account for merchants, mobile virtual account management server that transmits the transfer or payment confirmation information through the screen of each mobile terminal possible Provided is a merchant and customer account management system using a mobile, characterized in that consisting of.

Preferably, the mobile virtual account management server accounts for the virtual account based on the mobile number of the customer, customer terminal number for the merchant payment different from the customer's mobile terminal number (123-456-7890) according to the customer's selection (123-456-78901) by granting the mobile terminal number, virtual account number, merchant payment terminal number, customer real name of the customer linked to the mobile, characterized in that the control to output the representative account for the virtual account transfer screen Merchant and customer account management system is provided.

Preferably, the mobile virtual account management server is provided by the merchant and customer account management system using a mobile, characterized in that for transmitting the mobile number and payment amount information of the payer and the payment target to the merchant owner mobile terminal and the customer mobile terminal. do.

Preferably, the mobile virtual account management server receives a variety of cash transfer or merchant payment request information for the mobile terminal of the customer and the mobile terminal of the merchant owner or the transfer target, the transfer or payment confirmation information of the customer or merchant owner, transfer target A communication module for performing data processing and protocol processing for transmission to a mobile terminal; A member information management unit for managing information about a member who has registered an account for a virtual account in association with a mobile terminal number and an affiliated store's unique number; A mobile virtual account manager that manages settlement processing, such as deposit and withdrawal, management fees, for customers, virtual accounts, unregistered transfer subjects, and merchant accounts; A linked financial company information management unit for managing various linked financial company information for managing a real account which is linked with a virtual account so that transfer processing is performed; An SMS information management unit managing information generation and transmission of payment confirmation information or transfer confirmation information; Merchant information management unit for managing the information of the merchant registered to receive the payment according to the request signal of the customer's mobile terminal by accounting the virtual account; A merchant fee settlement unit that performs settlement of payment related fees for the merchant; Customer reserve information management unit for managing the reserves given to the customer when the merchant payments through the customer's virtual account; A member DB for storing and storing member information such as a real name and a social security number, respectively, based on the mobile terminal information; A virtual account DB for storing virtual member information for each member and storing the deposit and withdrawal information; An SMS information DB for storing short messaging service data which is a means of transferring the transfer confirmation information and the merchant payment information of the customer; Merchant information DB for storing the information of the merchants that have been given a unique merchant number by accounting the virtual account; A reserve information DB for storing the reserve information received in exchange for the customer's cash transfer and payment of the merchant and the use history information of the reserve; Register the account of the member in accordance with the virtual account account request signal transmitted from the mobile terminal of the customer and the target person of the merchant, and the customer's virtual account according to the customer's transfer request signal and transfer amount information It is composed of a control unit for processing the transfer and payment from the target person and merchant's virtual account from the transfer target, the merchant commission settlement process, and processing to provide the reserves and various online split lottery, ad slot machine lottery to the customer when the merchant pays Merchants and customer account management system using a mobile is provided.

On the other hand, the present invention is the process of the customer access to the mobile virtual account management server to transmit the member information and mobile number to the mobile virtual account registration request; Processing the virtual account by the mobile virtual account management server based on the mobile number of the customer; Transmitting a representative account for transferring a virtual account from the mobile virtual account management server to a mobile terminal of a customer; Generating a transfer request signal of a predetermined amount to a representative account for transfer of the mobile virtual account management server by a client accessing a financial server through a mobile terminal; When the transfer is completed, after the mobile virtual account management server confirms the real name and the amount of the customer, updating the transfer data to the virtual account of the customer; Transmitting a request signal for a certain amount of cash transfer and a mobile terminal number of the transfer target to the transfer target using the mobile terminal; Determining, by the mobile virtual account management server, whether a virtual account associated with the mobile terminal of the transfer target is already registered; The mobile virtual account management server transferring the corresponding amount to the virtual account; There is provided a method for managing merchants and customer accounts using mobile, characterized in that the transfer information transfer process to the mobile terminal of the transfer request customer and the mobile terminal of the transfer target.

Preferably, the mobile virtual account management server is a process of assigning a terminal number (123-456-78901) for the merchant payment different from the customer's mobile terminal number (123-456-7890) according to the customer's selection; A merchant and customer account management method using a mobile is provided, further comprising a process of linking and registering a client's mobile terminal number, a virtual account number, a merchant payment terminal number, and a customer's real name.

Preferably, if the virtual account of the transfer target is already registered, the transfer process is immediately performed to the virtual account of the transfer target, and if the virtual account of the transfer target is not registered, the mobile virtual account management server transfers the transfer. There is provided a method for managing merchants and customer accounts using a mobile, characterized in that the transfer processing after accounting the virtual account to be transferred based on the mobile number of the subject.

Preferably, if the transfer target is a merchant store, the mobile virtual account management server is provided with a merchant and customer account management method using a mobile, characterized in that the deposit to the virtual account after reducing the merchant fee of the merchant.

Preferably, the mobile virtual account management server sequentially counts the payment signal according to the merchant payment signal generated from the mobile terminal of the customer, the slot machine lottery consisting of 1 / N split lottery ticket and the merchant advertising logo to the mobile terminal of the customer Merchants and customer account management method using a mobile, characterized in that to provide a service is provided.

Meanwhile, the present invention accesses a virtual account management server linked with a negative account through a wireless web network to generate various cash transfer information and to generate merchant payment processing request information, and includes a key control unit and a wireless web browser embedded therein. A mobile terminal; Access to a virtual account management server linked to a negative account through a wireless web network to receive various merchant payment information and to generate the transfer request information to a specific financial account, the key control unit and the merchant terminal mobile terminal with a built-in wireless web browser ; A banking server receiving a transfer request signal from a customer or a merchant and performing transfer processing to a corresponding account, evaluating the creditworthiness of the customer according to a customer's request, and opening a negative account to process the link with a virtual account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the affiliated store owner mobile terminal; Account processing is performed by receiving the registration request signal for the mobile virtual account from the customer mobile terminal, and receives the customer information and the negative account information of the corresponding customer from the financial server to link the virtual account and the negative account, and transfers the customer's cash and The merchant and the customer account management method using a mobile, characterized in that consisting of a mobile virtual account management server that performs the payment and transfer processing according to the signal for the merchant payment, and the interest rate settlement processing to apply different interest rates, respectively.

Preferably, the mobile virtual account management server using the mobile, characterized in that the differential interest processing for the mortgage settlement, unsecured, cash transfer and withdrawal, merchant payments each of the negative account linked to the virtual account Merchant and customer account management systems are provided.

On the other hand, the present invention is the process of requesting the account of the virtual account to the mobile virtual account management server customer; Processing the virtual account by the mobile virtual account management server based on the mobile terminal number of the customer; Applying a negative account account request signal linked to the corresponding virtual account from the customer mobile terminal; The mobile virtual account management server transmitting the customer's information to the financial server to make a negative account request; Checking, by the financial server, the credit level of the customer, and accounting for a certain limit of negative account; Transmitting, by the mobile virtual account management server, the corresponding negative account account information to the mobile terminal of the customer; Transmitting, by the customer, a cash transfer request signal through a negative account using a mobile terminal; Transmitting the mobile number and the transfer amount information of the transfer target; Determining, by the mobile virtual account management server, whether a virtual account of the transfer target is set in advance; Transferring the cash by the mobile virtual account management server to the virtual account of the corresponding transfer target; The mobile virtual account management server provides a merchant and customer account management method using a mobile, characterized in that consisting of the process of transmitting the cash transfer information to the mobile terminal of the customer and the mobile terminal of the transfer target.

Preferably, the mobile virtual account management server is provided with a merchant and customer account management method using a mobile, characterized in that the application of differential interest rates depending on whether the transfer target person or merchant owner.

Preferably, the mobile virtual account management server is provided with a merchant and customer account management method using a mobile, characterized in that for determining whether the transfer target is an individual or a merchant owner in accordance with the selection signal of the mobile terminal of the customer.

Preferably, the mobile virtual account management server is provided with a merchant and customer account management method using a mobile, characterized in that by setting the merchant to bear the negative loan interest rate can be settled.

Preferably, the process of transmitting the account request of the negative account to the financial server; Making a link request to the mobile virtual account management server after opening a negative account; The mobile virtual account management server is provided with a merchant and customer account management method using a mobile, characterized in that further comprising the step of linking the negative account and the virtual account according to the customer's negative account linkage request.

On the other hand, the present invention is connected to the automatic response system of the virtual account management server linked to the negative account through the wireless voice communication network to transmit various cash transfer information and merchant payment processing to generate the request information therein, the wireless key operation unit, and wireless A mobile terminal of a customer with a built-in web browser; Receives various merchant payment information about the virtual account management server linked to the negative account through the wireless voice call network, and the merchant owner with the built-in key control unit and the wireless web browser to generate the transfer request information to a specific financial account. A mobile terminal; A financial server which receives various financial signals from customers or merchants and transfers them to the corresponding account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the affiliated store owner mobile terminal; Receive the registration request signal for the mobile virtual account from the customer's mobile terminal to perform account processing, receive cash transfers from the financial server, access it through the customer's mobile terminal, and receive payment signals for specific merchants to perform payment processing. There is provided a merchant and customer account management system using a mobile, characterized in that consisting of a mobile virtual account management server equipped with an automatic answering system (ARS) therein.

On the other hand, the present invention comprises the steps of a customer connecting a call to an automatic answering system provided in the mobile virtual account management server using a mobile terminal; Selecting an account of the virtual account and inputting a mobile number; Allowing the mobile virtual account management server to account for the virtual account based on the corresponding account; Requesting an account of a cash transfer or a negative account by accessing the financial server; Connecting a call to an automatic answering system of the mobile virtual account management server by a customer using a mobile terminal; Selecting a merchant payment and inputting a mobile number and payment amount of the affiliate store owner; The mobile virtual account management server transfers the amount from the virtual account of the customer to the virtual account of the merchant; Merchants and customer account management method using a mobile, characterized in that the process of transmitting the payment confirmation information to the mobile terminal of the customer and the mobile terminal of the merchant, respectively.

Preferably, the payment confirmation information is provided by the merchant and customer account management method using a mobile, characterized in that for transmitting by using a short messaging service (SMS) in the mobile virtual account management server.

Preferably, the process of applying a signal for increasing the negative loan limit granted to the customer in accordance with the request of the merchant owner; Increasing the loan limit; A merchant and customer account management method using a mobile is provided, further comprising the step of differentially setting the interest rate for the increase in the loan limit.

Meanwhile, the present invention generates a negative loan request signal for stock purchase by accessing a virtual account management server linked to a negative account through a wireless voice call network, and therein, a key control unit and a wireless web to receive interest rate information. A mobile terminal of a customer with a built-in browser; A financial server receiving various transfer signals from a customer or a securities company and performing transfer processing to a corresponding account; Receiving a stock purchase deposit from the financial server (BS1) and deposits the account of the customer, and performs the stock purchase process using the deposit in real time, the information on the rate of return of the customer to the mobile virtual account management server to be described later A securities company server that provides; Receives the registration request signal for the mobile virtual account from the customer's mobile terminal, performs account processing, and receives cash transfer information on the purchase and purchase in connection with the securities company server to perform real-time interest rate settlement through the stock purchase and stock return of the customer. Merchant and customer account management system using a mobile, characterized in that configured as a mobile virtual account management server is provided.

On the other hand, the present invention is the process of generating a stock purchase request signal through a virtual account; Receiving stock purchase information and its yield information; A method for managing merchants and customer accounts using mobiles, which comprises a process of applying differential negative interest rates according to stock returns.

Preferably, the application of interest rates based on stock returns provides a method of managing merchants and customer accounts using mobile, which increases interest rates when the stock returns increase and decreases the interest rates when the stock returns decrease.

On the other hand, the present invention is connected to the virtual account management server linked to the negative account through the wireless web network to transmit various cash transfer information, merchant payment processing, on / offline gift voucher to generate the request information, and the inside the key operation unit, wireless A mobile terminal of a customer with a built-in web browser; Access to the virtual account management server linked to the negative account through the wireless web network to receive various merchant payment information, transfer request information to a specific financial account, and to generate a request signal for confirmation of the gift certificate information provided to the customer and the key operation unit A merchant mobile terminal with a built-in wireless web browser; Receive the transfer request signal from the customer or the merchant's request and transfer it to the corresponding account.In accordance with the customer's request, the customer's credit rating is assessed and a negative account is opened to be processed in conjunction with the virtual account. A financial server for issuing a financial voucher for purchasing goods of affiliated stores; The account is processed by receiving the registration request signal for the mobile virtual account from the customer's mobile terminal.The customer information and the negative account information of the customer are provided from the financial server to link the virtual account and the negative account, and the customer's cash transfer and merchant The mobile virtual account performs payment and transfer processing according to a signal for payment, receives gift certificate issuance information from the financial servers BS1 to BSn, and receives gift certificate usage information from merchants and performs interest rate settlement and interest payment processing. Provided is a merchant and customer account management system using a mobile, characterized in that configured as a management server.

Preferably, the mobile virtual account management server receives and registers the gift certificate issuance information from the financial server, and receives the use signal of the gift certificate from the merchant owner's mobile terminal to register the use of the gift certificate from the period of issue until the point of use Merchants and customer account management system using a mobile, characterized in that the interest rate is settled and payment processing to the gift card buyer.

Preferably, the payment of interest on the gift certificate interest rate is provided by the merchant and customer account management system using a mobile, characterized in that the deposit to the virtual account.

On the other hand, the present invention is a process for a customer to purchase a gift certificate from the gift voucher; Transmitting the mobile number, the gift certificate sales information, and the gift certificate registration number of the corresponding customer from the gift voucher issuer to the mobile virtual account management server; Registering gift certificate issuance information; Receiving a gift certificate use signal from a merchant; Calculating the interest rate from the time of issuance of the gift certificate to the time of use of the gift certificate; Merchant and customer account management method using a mobile, characterized in that consisting of the process of depositing the gift certificate interest in the virtual account of the buyer is provided.

Preferably, when a gift certificate is purchased with a negative loan linked to a virtual account, a low interest rate is applied from the time of issuance of the gift certificate to the point of use of the gift certificate, and from the point of use, the affiliate store using the mobile terminal, wherein the interest rate is originally applied. And a customer account management method is provided.

EMBODIMENT OF THE INVENTION Hereinafter, the 1st temporary example of this invention is described in detail with reference to drawings.

1 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a first embodiment of the present invention.

Referring to this, the merchant and the customer account management system using a mobile according to the first embodiment of the present invention enables a cash transfer using a mobile virtual account linked to a mobile of a specific customer and a mobile of a desired customer, respectively. . In other words, the merchant and customer account management system using the mobile according to the present invention is linked to a financial company server and linked with a mobile communication server, and does not require any offline means such as a card to account for a certain amount of cyber accounts of a specific customer. The cash can be transferred to the virtual account of the desired third party while the cash is already stored in the cyber account.

The customer uses the mobile terminals A1 to An to deposit cash into a cyber account, transfer cash from the cyber account to a virtual account of a third party, output corresponding transfer information, balance information, and process data.

To this end, the merchant and customer account management system using a mobile according to the first embodiment of the present invention determines whether a non-specified third party receiving a cash transfer is a member who has already registered a virtual account or a new member and is a new member. The third party's virtual account is processed based on the mobile terminal number.

On the other hand, the merchant and customer account management system using a mobile according to the first embodiment of the present invention is to divide the cash transfer into a simple cash transfer and merchant payment, but the merchant payment is entering the merchant number of the customer who attempts to pay, Participating merchants cell phone number input, payment amount input bar, merchant number is the merchant number or business registration number uniquely assigned by the merchant and customer account management system using the mobile. Merchants that have been assigned a merchant number already have a virtual account linked to the merchant's mobile phone number.

If a merchant does not have a virtual account of the merchant, the virtual account account processing is performed in real time. At this time, the account is treated as a merchant and the virtual account is based on the mobile phone number of the merchant. If payment is made to the merchant's virtual account, a certain amount of the merchant's transfer amount must be paid as the merchant's fee.

The merchant and customer account management system using mobile according to the first embodiment of the present invention performing the above processing is connected to the merchant and customer account management system using mobile through ARS, SMS data processing, wireless web network, etc. Cash transfer or merchant payment processing can be performed. In other words, when directly connecting to a wireless web network, real-time interactive data is input and processed, and ARS, Short Message System (SMS), etc., input and process a predetermined delay time bidirectional data. Hereinafter, the present invention describes only data processing through the wireless web network, but this does not mean that the data communication of the present invention is limited to the wireless web network.

For the above processing, the merchant and customer account management system using mobile according to the first embodiment of the present invention is connected to the virtual account management server through a wireless web network to transmit various cash transfer information and generate merchant payment processing request information. To this end, there is provided a key control unit and a mobile terminal A1 to An of a customer with a built-in wireless web browser.

In addition, the merchant and customer account management system using a mobile according to the first embodiment of the present invention is connected to the virtual account management server through a wireless web network to receive various cash transfer information and to generate the transfer request information to a specific financial account internal There is provided a transfer target mobile terminal B1 to Bn having a key operating unit and a wireless web browser.

In this case, the transfer target person who receives cash transfer or merchant payment processing using the transfer target mobile terminals B1 to Bn corresponds to a general customer who receives cash transfer or an affiliate store owner who receives payment for the merchant purchase price.

In addition, the merchant and the customer account management system using a mobile according to the first embodiment of the present invention is provided with a financial server (BS1 ~ BSn) for receiving a transfer request signal of the customer or merchant owner to perform the transfer process to the corresponding account, A mobile communication server MCS1 for transmitting and receiving various types of information to and from the customer terminals A1 to An and the target mobile terminals B1 to Bn is provided.

On the other hand, the merchant and customer account management system using the mobile according to the first embodiment of the present invention receives the registration request signal for the mobile virtual account from the customer mobile terminals (A1 to An) to perform the account processing, the customer's financial In the state of receiving and transferring cash from the account, the cash transfer signal and merchant payment signal are authorized from the corresponding customer mobile terminals A1 to An and transferred to the mobile virtual account of a specific customer or to the merchant account virtual account. There is provided a mobile virtual account management server (MVAMS) that performs payment processing and transfers transfer or payment confirmation information thereof through a screen of each of the mobile terminals A1 to An and B1 to Bn.

Accordingly, the affiliated store and the customer account management system using the mobile according to the first embodiment of the present invention allow access to the mobile terminals A1 to An of the customer who stores certain cash in the virtual account, and the corresponding customer mobile terminal A1. In accordance with the transfer from -An) and the merchant payment signal, the transfer to the virtual account of the third party or the payment processing to the merchant account virtual account can be performed. That is, easy transfer of cash through mobile-to-mobile (P2P) is possible, and payment processing can be performed for the merchant transfer separately from the cash transfer to the general customer.

For the affiliated store payment, the mobile virtual account management server (MVAMS) deducts a fee of a predetermined amount of the merchant payment price and transfers the money to the corresponding merchant merchant virtual account. In this case, fees generally vary depending on the type of business and the type of business of each merchant.

2A and 2B are diagrams illustrating a data flow of an affiliated store and a customer account management system using a mobile according to a first embodiment of the present invention.

2A is a diagram illustrating a data flow when transferring cash to a general customer.

Referring to this, a customer who wants to register an account for a mobile virtual account accesses the mobile virtual account management server (MVAMS) and performs a mobile virtual account registration request.

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile number of the customer, and according to the customer's choice, the merchant payment different from the customer's mobile terminal number (for example, 123-456-7890) By assigning the customer terminal number 123-456-78901, the mobile terminal number of the customer, the virtual account number, the merchant terminal number for payment, and the customer's real name linked, and displays the representative account for the virtual account transfer screen.

In this case, the merchant payment terminal number may be selectively given by the customer for the privacy of the customer, it may not be granted. That is, when an affiliated store owner makes a payment request to the mobile virtual account management server (MVAMS), when a merchant number of a donated customer inputs a terminal number (eg, 123-456-78901) for a donated customer, the mobile virtual account management server (MVAMS) is associated with the actual mobile terminal number of the customer and the terminal number for the merchant payment to determine that the payment request signal is generated to the customer of '123-456-7890'.

In addition, the customer connects to the financial server (BS1) of the banking institution through data communication network, phone banking, Internet banking, etc., and transfers the representative account (000-000-0000) for transfer of the mobile virtual account management server (MVAMS). Generates transfer request signal of semen ②.

When the transfer is completed, the mobile virtual account management server (MVAMS) checks the real name and the amount of the customer, and updates the transfer data to the virtual account of the customer.

In this state, when the customer transmits a request signal for a certain amount of cash transfer and a third party's mobile terminal B1 number to the third party using the mobile terminal A1, the mobile virtual account management server ( MVAMS) determines whether the virtual account associated with the third party's mobile terminal B1 is already registered.

If the virtual account of the transfer target is already registered, the transfer process is immediately performed to the virtual account of the third party, and the transfer confirmation information is transmitted to the customer mobile terminal A1 and the transfer target mobile terminal B1.

On the other hand, if the virtual account of the transfer target is not registered, the mobile virtual account management server (MVAMS) accounts for the virtual account to be transferred based on the mobile number of the transfer target ⑦. Of course, the transfer target person can also be separately given a new mobile terminal number (123-456-78901) for the merchant payment.

When the virtual account account of the transfer target is completed, the mobile virtual account management server (MVAMS) transfers the corresponding amount to the corresponding virtual account, and transfers the transfer information to the mobile terminal A1 of the transfer request customer and the mobile terminal of the transfer target. Transfer to (B1) ⑧⑨.

In summary, the mobile virtual account management server (MVAMS) is to be a server that performs a separate financial business from the financial institutions for cash transfer between mobile terminals. In other words, the mobile virtual account management server (MVAMS) performs the transmission and reception of mobile data, the virtual account account, and payment for the payment amount of the merchant.

2B is a diagram illustrating a data flow when a customer pays for a merchant.

Referring to this, a customer who wants to register an account for a mobile virtual account accesses the mobile virtual account management server (MVAMS) and performs a mobile virtual account registration request.

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile number of the customer, and according to the customer's choice, the merchant payment different from the customer's mobile terminal number (for example, 123-456-7890) By assigning the terminal number (123-456-78901) for the customer's mobile terminal number, virtual account number, merchant payment terminal number, customer real name linked and displays the representative account for the virtual account transfer screen.

In this case, the merchant payment terminal number may be selectively given by the customer for the privacy of the customer, it may not be granted. That is, when the merchant owner makes a payment request to the mobile virtual account management server (MVAMS), and enters the terminal number (for example, 123-456-78901) of the donor customer of the donated customer, the mobile virtual account management server (MVAMS) is associated with the actual mobile terminal number of the customer and the terminal number for the merchant payment to determine that the payment request signal from the customer of '123-456-7890'.

In addition, the customer connects to the financial server (BS1) of the banking institution through data communication network, phone banking, Internet banking, etc., and transfers the representative account (000-000-0000) for transfer of the mobile virtual account management server (MVAMS). Generates transfer request signal of semen ②.

When the transfer is completed, the mobile virtual account management server (MVAMS) checks the real name and amount of the customer, and updates the transfer data to the virtual account of the customer ③.

In this state, when the customer generates a merchant payment signal using the mobile terminal A1 and transmits the merchant number and the amount information, the mobile virtual account management server MVAMS registers the cyber account of the corresponding merchant in advance. ④ ⑤ judge whether it is done.

In other words, it is determined whether the corresponding merchant number is a pre-registered number. If the registered number is a pre-registered number, the corresponding amount is settled to the virtual account of the corresponding merchant. At this time, the amount of money deposited from the mobile virtual account management server (MVAMS) to the merchant's virtual account is the amount reduced the merchant fee. At the same time, the mobile virtual account management server (MVAMS) is stored by connecting the reserve information to the virtual account of the customer.

When the payment process is completed, the payment confirmation information is transmitted to the customer mobile terminal A1 and the affiliated store owner terminal B1.

On the other hand, if the merchant's virtual account is not registered, the mobile virtual account management server (MVAMS) requests to input the merchant's mobile number to the customer mobile terminal (A1). Accordingly, when the customer enters the affiliate store owner mobile number, the mobile virtual account management server (MVAMS) grants a virtual account associated with the affiliate store owner mobile number.

When the merchant's virtual account account is completed, the mobile virtual account management server (MVAMS) transfers the payment amount to the corresponding virtual account, and transfers the transfer information to the mobile terminal A1 of the transfer request customer and the mobile of the target recipient. Transfer to terminal B1 ⑥⑦.

Merchants, like customers, can receive a payment terminal number (123-456-78901) from the mobile virtual account management server (MVAMS), and the payment terminal number ensures the privacy of the merchant and provides convenience for customers. It is given for the purpose, the voice call to the number is impossible, but the number associated with the actual mobile terminal number of the merchant affiliated to be registered in the mobile virtual account management server (MVAMS).

In addition, the affiliated store owner may request a transfer to a specific financial account by accessing the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) performs a transfer process to the corresponding account, the corresponding information is confirmed It is transmitted to the merchant's mobile terminal (B1) ⑧⑨.

In particular, the mobile virtual account management server (MVAMS) of the merchant and customer account management system using mobile according to the first embodiment of the present invention sequentially according to the merchant payment signals generated from the mobile terminal (A1 ~ An) of the customer The payment signal may be counted to provide the 1 / N split lottery ticket to the mobile terminals A1 to An of the corresponding customer, and the slot machine lottery service composed of the logo for the merchant advertisement may be provided.

For example, a 1 / N lottery is a lottery that sequentially counts customers who have generated merchant sign-up signals and grants certain prizes or prizes for each specific order. It is to provide the amount of each drawing. That is, a specific customer generates a merchant payment signal using the mobile terminals A1 to An of the customer in the state set to grant a prize or a prize every 30th time, and transmits the payment signal to the mobile virtual account management server (MVAMS). As a result of counting in, if the customer is the 60th customer, it is a multiple of 30, so that customer is treated as a winner. The mobile virtual account management server (MVAMS) is to provide the winning information of the customer to the customer mobile terminal (A1 ~ An).

In addition, a slot machine lottery is a 4 × 4 slot consisting of an affiliate advertising logo or a 5 × 5 slot (no limit for the number of slots). If the corresponding logo is arranged in a straight line, the customer wins the prize and receives the prize. In the lottery, the mobile virtual account management server (MVAMS) to provide the slot machine lottery ticket when the customer generates a merchant payment signal using the mobile terminals A1 to An in a state where the lottery generation rate is set in advance by a random number program. do. At this time, the merchant advertising logo provided with the merchant payment confirmation information and the lottery image data so as to be output in real time on the screen of the mobile terminal (A1 ~ An) of the customer the mobile virtual account management server (MVAMS) of the customer Transfer to mobile terminals A1 to An.

3A, 3B, 3C, and 3D are diagrams illustrating a cash transfer screen through an affiliated store and a customer account management system using a mobile according to a first embodiment of the present invention.

Based on the merchant and customer account management system using a mobile according to the first embodiment of the present invention, a customer transfers cash to a third party who is the target of transfer using the mobile terminals A1 to An, or a specific merchant. If you want to make a payment to the merchant, the customer can access the mobile virtual account management server (MVAMS) in real time through a wireless web network using the mobile terminal (A1 ~ An), the mobile virtual account management server (MVAMS) It can be accessed through the ARS representative number provided in, and can be accessed through the SMS representative number contributed to the mobile virtual account management server (MVAMS).

That is, the representative number of the ARS device provided in the mobile virtual account management server (MVAMS) is a voice call or data to the ARS dedicated representative phone number or SMS representative phone number donated by the customer using the mobile terminals A1 to An. It can connect through communication and perform affiliate or general transfer. Details thereof will be described later.

First, the mobile screen illustrated in FIGS. 3A to 3D is a screen output by a customer connecting to the mobile virtual account management server MVAMS through a wireless web network.

Referring to this, when a customer accesses the mobile virtual account management server (MVAMS) using mobile terminals A1 to An, the mobile virtual account management server MVAMS is a basic tool for cash transfer and merchant payment. Screen data as shown in FIGS. 3A-3D are transmitted.

The screen data is configured as shown, and the customer enters information corresponding to an input field existing in the basic tool to perform data processing in real time.

Initially, the main screen 10 allows the customer to select the cash transfer 12 and the merchant payment 14 as shown in FIG. 3A, among which the customer uses the mobile terminals A1 to An to transfer the cash 18. If is selected, a column 22 for inputting information 20 (for example, the recipient's mobile phone number) and the transfer amount of the cash transfer target person as shown in FIG. 3B is output.

When the customer enters the amount and transfer information, the input information is transmitted to the mobile virtual account management server (MVAMS) by the basic tool. Then, the mobile virtual account management server (MVAMS) transfers the amount to the virtual account of the transfer target entered by the access customer based on the transfer information.

As shown in FIG. 3C, the transfer information is transmitted to the mobile terminals A1 to An of the customer. In the transfer confirmation information screen 24 of FIG. 3C, the transfer of 1 million won from the account of "××× -000- △△△△” to the account of 000- ×××-△△△△ is completed. Current balance: 500,000 won The transfer confirmation information 26 of "and the balance information 28 of the customer currently existing in a virtual account are output.

At the same time, as shown in FIG. 3D, the transfer information is transmitted to the mobile terminals B1 to Bn of the transfer target, and the transfer information 32 is " ×× -000-Δ △△△ " Million won has been transferred. ", And the web URL information (34) and the ARS representative phone number (36) are displayed at the bottom to allow access to the web network or ARS if the transfer target is not a customer registered in the virtual account. Will be.

In other words, the transfer confirmation information is the mobile terminal (A1 ~ An) of the customer or the mobile terminal (B1 ~ of the transfer target) for the transfer target person that the mobile virtual account management server (MVAMS) has not applied for the use of the wireless web network in advance. It is preferable to transmit via SMS (Short Messaging Service) to Bn).

4A, 4B, and 4C are diagrams illustrating a merchant payment screen through a merchant and a customer account management system using a mobile according to a first embodiment of the present invention.

Referring to this, on the basis of the merchant and the customer account management system using the mobile according to the first embodiment of the present invention, the customer can perform payment for the merchant payment from the virtual account linked with the mobile terminals A1 to An. F. When the customer selects "Merchant Payment 14" shown in FIG. 3A using the mobile terminals A1 to An, the merchant information 40 and the payment amount based on the basic tool as shown in FIG. 4A. The main screen 38, which requires input for the information 42, is output.

The merchant information 40 outputted on the main screen 38 includes a merchant registration number of a merchant or a merchant number input box 40a for inputting a merchant ID uniquely donated by the mobile virtual account management server (MVAMS), and a virtual account. It consists of an input field (40b) for inputting the mobile terminal number of the affiliated shop owner, and at the bottom thereof is provided with an input field (42) for inputting the payment amount.

At this time, when the customer enters only the business registration number of the merchant that does not open the virtual account in advance, payment processing is not made, so the unique merchant number or merchant owner's mobile terminal donated from the mobile virtual account management server (MVAMS) B1- The number of Bn) is mandatory.

When the customer enters the merchant information 40 and the payment amount 42 provided on the main screen 38, the payment information is transmitted to the mobile terminals A1 to An of the customer as shown in FIG. 4B. . The payment confirmation information screen 44 of FIG. 4B has a 500,000 won transfer from "×× -000- △△△△ 's account to 123-456-7890's account. Credit: 6750 won" payment confirmation information ( 46) 50 and the balance information 48 of the customer present in the virtual account are output at the same time.

At the same time, as shown in Fig. 4c, the corresponding payment information is transmitted to the mobile terminal B1 to Bn of the merchant, and the transfer information 52 is obtained from the account of " 500,000 won payment completed. ", And the merchant fee information 56 of the mobile virtual account management server (MVAMS) is output, and the current balance information 58 is subtracted from the payment amount is output.

In addition, when the affiliated store owner is not a customer registered in the virtual account, the web URL information and the ARS representative telephone number 60 are outputted at the bottom thereof so as to allow access to the web network or the ARS. The ARS representative phone number 60 may be used for other account transfers, and may reduce a predetermined transfer fee when transferring to an account that is actually accounted to a financial institution.

Therefore, in the case of cash transfer or payment using cash, the merchant and customer account management system using the mobile according to the present invention allows the free transfer to the virtual account of the transfer target to the customer and at the same time to the merchant account virtual account. By granting a reserve at the time of payment will be able to consolidate the merchant system. In addition, it is possible to purchase the product of the merchant using the reserve, and if the purchase request signal of the product using the reserve is generated from the customer mobile terminal (A1 ~ An), the mobile virtual account management server (MVAMS) the corresponding reserve to the virtual account of the merchant Payment is made by transferring the payment, and update the customer's reserve information settled.

In other words, the merchant and customer account management system using mobile according to the present invention provides a basic tool for separately processing cash transfer and merchant payment using a mobile terminal in the mobile virtual account management server (MVAMS).

In addition, merchants can access the mobile virtual account management server (MVAMS) using a portable wireless payment terminal, such as wireless POS, and can perform payment processing, and merchants enter the mobile number of the payment requestor in reverse. Due to this, the customer's acceptance signal may be input to the mobile virtual account management server (MVAMS) to allow payment processing. Detailed description thereof will be described later.

FIG. 5 is a block diagram illustrating a virtual account management server configuration of an affiliated store and a customer account management system using mobile according to a first embodiment of the present invention.

Referring to this, the mobile virtual account management server (MVAMS) is a communication module, member information management unit, mobile virtual account management unit, linked financial company information management unit, SMS information management unit, merchant information management unit, merchant fee settlement unit and It consists of customer reserve information management unit, various DB, control unit.

More specifically, the reference numeral 62 receives various cash transfer or merchant payment request information for the mobile terminals A1 to An of the customer and the mobile terminal B1 to Bn of the merchant owner or the transfer target, and receives the transfer or payment confirmation information. The communication module performs data processing and protocol processing for transmission to the mobile terminals A1 to An and B1 to Bn of customers, merchants, and transfer targets.

Reference numeral 64 denotes a member information management unit that manages information on a member who has registered an account for a virtual account in conjunction with a mobile terminal number and a unique store's unique number, and reference numeral 66 denotes a customer and a virtual account unregistered transfer target person or merchant. Represents a mobile virtual account management unit that manages settlement processing, such as deposit and withdrawal management and fees for a virtual account.

Reference numeral 68 denotes a linked financial company information management unit for managing various linked financial company information for managing a real account to be transferred in conjunction with a virtual account according to the present invention, reference numeral 70 denotes payment confirmation information or transfer confirmation information. Represents an SMS information management unit for managing information generation and transmission thereof.

Reference numeral 72 denotes a merchant information management unit that manages the information of the registered merchant so that the user can receive payment according to the request signal of the mobile terminals A1 to An by accounting for the virtual account, and reference numeral 74 denotes a payment related to the merchant's payment. Denoting the merchant fee settlement unit for performing the settlement of the fee, and reference numeral 76 denotes the customer reserve information management unit for managing the reserves given to the customer when the merchant payment through the customer's virtual account.

Reference numeral 78a denotes a member DB for linking and storing member information such as real name and social security number based on the mobile terminal information, and reference numeral 78b denotes a virtual account information for each member and stores the deposit and withdrawal information. Represents a virtual account DB.

Reference numeral 78c denotes an SMS information DB that stores short messaging service data, which is a means of transmitting customer's transfer confirmation information and merchant payment information, and reference numeral 78d stores information of an affiliate store having a unique merchant number by accounting a virtual account. The reference information 78e represents a reserve information DB for storing the reserve information received in exchange for the customer's cash transfer and payment of the merchant and the use history information of the reserve.

Reference numeral 80 denotes the account registration of the member's virtual account in accordance with the virtual account account request signal transmitted from the customer, the target recipient, and the merchant's mobile terminal A1 to An (B1 to Bn), and the customer's transfer and merchant payment request. In accordance with the signal, transfer and payment amount information, the transfer and settlement processing from the virtual account of the customer to the transfer target and the merchant's virtual account, settlement processing of merchant fees, and when depositing merchants, reserves and various online split lotteries, advertising A control unit for processing a slot machine lottery ticket is shown.

With reference to the accompanying drawings, the function and operation of the merchant and the customer account management system using a mobile according to the first embodiment of the present invention of the above configuration will be described in detail.

6A and 6B are flowcharts illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a first embodiment of the present invention.

First, FIG. 6A is a flowchart illustrating a cash transfer signal flow through a virtual account. A customer who wants to register an account for a mobile virtual account accesses the mobile virtual account management server (MVAMS) and performs a mobile virtual account registration request. In order to register a mobile virtual account, member information and mobile number must be registered. For non-members who do not have a virtual account open at the time of cash transfer or merchant payment, the virtual account for cash transfer or payment amount transfer must be temporarily registered with the mobile number only.

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile number of the customer, and according to the customer's choice, the merchant payment different from the customer's mobile terminal number (for example, 123-456-7890) By assigning the terminal number (123-456-78901) for the customer's mobile terminal number, virtual account number, merchant payment terminal number, customer real name linked and displays the representative account for the virtual account transfer screen.

In addition, the customer accesses the financial server BS1 of the pre-existing financial institution through a data communication network (wireless web network), a phone banking, or an internet banking using the mobile terminals A1 to An, and the mobile virtual account management server (MVAMS). A predetermined amount of transfer request signal is generated to a representative transfer account (000-000-0000).

When the transfer is completed, the mobile virtual account management server (MVAMS) checks the real name and the amount of the customer, and updates the transfer data to the virtual account of the customer.

In this state, when the customer transmits a request signal for a certain amount of cash transfer and a mobile terminal (B1 to Bn) number of the transfer target to the transfer target person using the mobile terminals A1 to An, the mobile virtual account. The management server (MVAMS) determines whether the virtual account associated with the mobile terminal (B1 ~ Bn) of the transfer target is already registered.

If the virtual account of the transfer target is already registered, the transfer process is immediately performed to the virtual account of the transfer target, and the transfer confirmation information is sent to the customer mobile terminals A1 to An and the transfer target mobile terminals B1 to Bn. To send).

On the other hand, if the virtual account of the transfer target is not registered, the mobile virtual account management server (MVAMS) accounts for the virtual account to be transferred based on the mobile number of the transfer target.

When the virtual account account of the transfer target is completed, the mobile virtual account management server (MVAMS) similarly transfers the corresponding amount to the corresponding virtual account, and transfers the transfer information to the mobile terminals A1 to An of the transfer request customer and the target recipient. To the mobile terminals B1 to Bn.

FIG. 6B is a flowchart illustrating a signal flow when a customer pays for a merchant using a virtual account, and a customer who wants to register a mobile virtual account accesses the mobile virtual account management server (MVAMS) and performs a mobile virtual account registration request. .

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile number of the customer, and register the customer's mobile terminal number, virtual account number, merchant number payment terminal number, customer real name, Displays a representative account for virtual account transfer.

In addition, the customer connects to the financial server (BS1) of the banking institution through data communication network, phone banking, Internet banking, etc., and transfers the representative account (000-000-0000) for transfer of the mobile virtual account management server (MVAMS). Generate transfer request signal of semen.

When the transfer is completed, the mobile virtual account management server (MVAMS) checks the real name and the amount of the customer, and updates the transfer data to the virtual account of the customer.

In this state, when the customer generates a merchant payment signal using the mobile terminals A1 to An, and transmits the merchant number and the amount information, the mobile virtual account management server (MVAMS) has a cyber account of the merchant. It is determined whether it is already registered.

In other words, it is determined whether the corresponding merchant number is a pre-registered number. If the registered number is a pre-registered number, the corresponding amount is settled to the virtual account of the corresponding merchant. At this time, the amount of money deposited from the mobile virtual account management server (MVAMS) to the merchant's virtual account is the amount reduced the merchant fee. At the same time, the mobile virtual account management server (MVAMS) is stored by connecting the reserve information to the virtual account of the customer.

When the payment processing is completed, the payment confirmation information is transmitted to the customer mobile terminals A1 to An and affiliated store owner terminals B1 to Bn.

On the other hand, if the merchant's virtual account is not registered, the mobile virtual account management server (MVAMS) requests to input the merchant's mobile number to the customer mobile terminal (A1). Accordingly, when the customer enters the affiliate store owner mobile number, the mobile virtual account management server (MVAMS) grants a virtual account associated with the affiliate store owner mobile number.

When the merchant's virtual account account is completed, the mobile virtual account management server (MVAMS) transfers the payment amount to the virtual account, and transfers the transfer information to the mobile terminal (A1 to An) of the transfer request customer and the target person. To the mobile terminals B1 to Bn.

In addition, the affiliated store owner may request a transfer to a specific financial account by accessing the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) performs a transfer process to the corresponding account, the corresponding information is confirmed The mobile station B1 transmits to the affiliated owner's mobile terminal B1. At this time, the merchant account virtual processing to reduce the fee for the transfer to the financial institution.

In addition, the mobile virtual account management server (MVAMS) of the merchant and the customer account management system using mobile according to the first embodiment of the present invention sequentially in accordance with the merchant payment signals generated from the mobile terminal (A1 ~ An) of the customer The payment signal is counted to provide the 1 / N split lottery ticket to the mobile terminals A1 to An of the customer, and the slot machine lottery service composed of the logo for the merchant advertisement is provided.

EMBODIMENT OF THE INVENTION Hereinafter, the 2nd temporary example of this invention is described in detail with reference to drawings.

7 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a second embodiment of the present invention.

Referring to this, the merchant and customer account management system using the mobile according to the second embodiment of the present invention automatically applies interest rate settlement processing by applying a different interest rate for the merchant payment in cash or withdrawal from a single negative account. It is a system to perform.

That is, if the interest rate of cash transfer or cash withdrawal is 12% in a certain customer's negative account, the interest rate generated when making a payment from the minus account to the merchant for payment of the merchant is reduced to 6%. In addition, a plurality of variable interest rates in such a single negative account is possible because part of the merchant's promotional costs are applied as interest rates, and the loan rate is applied when the cash is actually transferred to the merchant. In other words, if the merchant owner transfers cash from the virtual account to the financial account after one month, the loan rate of the negative account for one month can be secured in the financial sector, thereby reducing the interest rate applied from the point of use.

And, the negative account is automatically linked to the virtual account of the merchant and the customer account management system using the mobile according to the present invention to automatically perform the interest rate settlement process for the customer, as in the first embodiment between mobile-to-mobile (P2P) Cash transfers, cash withdrawals and merchant payments can be performed.

To this end, the merchant and customer account management system using mobile according to the second embodiment of the present invention accesses a virtual account management server linked with a negative account through a wireless web network, and transmits various cash transfer information and the merchant payment processing request information. In order to generate a key control unit and a mobile terminal (A1 to An) of the customer with a built-in wireless web browser is provided.

In addition, the merchant and customer account management system using a mobile according to the second embodiment of the present invention is connected to a virtual account management server linked to a negative account through a wireless web network to receive various merchant payment information and request for transfer to a specific financial account. In order to generate information, there is provided a key operating unit and affiliated store owner mobile terminals B1 to Bn having a wireless web browser therein.

In addition, the merchant and the customer account management system using the mobile according to the second embodiment of the present invention receives a transfer request signal from the customer or the merchant's owner, transfers to the corresponding account, and evaluates the creditworthiness of the customer according to the customer's request. By opening a negative account to provide a financial server (BS1 to BSn) for interworking with the virtual account, and for transmitting and receiving various types of information to and from the customer terminals (A1 to An) and merchant mobile terminals (B1 to Bn). The mobile communication server MCS1 is provided.

On the other hand, the merchant and customer account management system using the mobile according to the second embodiment of the present invention receives the registration request signal for the mobile virtual account from the customer mobile terminal (A1 to An) to perform the account processing, the financial server (BS1 ~ BSn) receives the customer information and the negative account information of the customer, link the virtual account and the negative account, and perform the payment and transfer processing according to the signal of the customer's cash transfer and merchant payment, each with different interest rates A mobile virtual account management server (MVAMS) which performs interest rate settlement processing is provided.

Therefore, the merchant and customer account management system using the mobile according to the second embodiment of the present invention is linked to the negative account of the virtual account and the financial institution to perform cash withdrawal, cash transfer, merchant payment from the minus account at the request of the customer In addition, different interest rates apply to cash withdrawals and merchant payments in a single account. In other words, the upper interest rate is applied when cash withdrawal or transfer, and the lower interest rate is applied when paying the merchant.

8 is a table showing interest rate settlement processing of a merchant and a customer account management system using a mobile according to a second embodiment of the present invention.

Referring to this, the interest rate settlement tool is provided in the mobile virtual account management server (MVAMS), and shared with the financial server (BS1). The interest rate settlement tool omits the description of the basic tool for negative loan dates, and has an interest rate settlement table 90.

The interest rate settlement table 90 is largely composed of collateral interest rates 92 and unsecured interest rates 94, and even if unsecured, there is a case where there is a guarantor and there is no guarantor. Omit. Therefore, different interest rates are applied to the collateral interest rate 92 and the unsecured interest rate 94, respectively. In the present invention, the differential interest rate is applied to the customer at the time of cash transfer and the settlement of the merchant even in the unsecured or collateral interest rates 92 and 94. The interest rate settlement tool is configured to automatically process the system.

In other words, if the interest rate at the time of collateral is set at 7% (the upper interest rate), the merchant payment rate is applied at 5% (the lower interest rate), and even at the unsecured rate, the cash transfer (withdrawal) interest rate. If the state is set to 12% (high rate), the merchant payment rate is set in the mobile virtual account management server (MVAMS) to be applied to 6% (lower rate).

And, when the merchant payment, the interest rate information and payment confirmation information is transmitted together from the mobile virtual account management server (MVAMS) to the mobile terminal (A1 ~ An) of the customer.

In addition, the limit that a specific customer can withdraw or merchant payment through the negative account linked virtual account is set in the mobile virtual account management server (MVAMS). The interest rate does not apply to cash receipts of negative account linked virtual accounts.

On the other hand, the mobile virtual account management server (MVAMS) may be set to bear the interest rate of the negative account given to the customer in accordance with the request of the merchant. In this case, the burden setting for the minus account interest rate of the customer of the merchant must be registered in the mobile virtual account management server (MVAMS). In addition, the mobile virtual account management server (MVAMS) to send the merchant interest rate burden information to the mobile terminal (A1 ~ An) of the customer of the member to induce the merchant payment.

With reference to the accompanying drawings, the function and operation of the merchant and the customer account management system using a mobile according to a second embodiment of the present invention of the above configuration will be described in detail.

9A, 9B, and 9C are data flow diagrams illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a second embodiment of the present invention.

9A illustrates a data flow for cash transfer through a virtual account linked to a negative account. First, a customer requests an account of a virtual account to the mobile virtual account management server (MVAMS).

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile terminal number of the customer. In addition, when a negative account account request signal linked with the corresponding virtual account is applied from the customer mobile terminals A1 to An, the mobile virtual account management server MVAMS transmits the information of the corresponding customer to the financial server BS1. Negative accounts will be reviewed.

In the present invention, the mobile virtual account management server (MVAMS) in the form of relaying data when the negative account, but this is only one example, the financial server (BS1) is directly authorized by the account request signal for the negative account to account the negative account In the future, the mobile device may manage the virtual account managed by the mobile virtual account management server (MVAMS) and its negative account.

Subsequently, after checking the creditworthiness of the customer in the financial server (BS1), a negative account of a certain limit is accounted, and the information is transmitted to the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) Transmits the corresponding negative account account information to the mobile terminals A1 to An of the customer.

When the customer transmits a cash transfer request signal through a negative account using the mobile terminals A1 to An, and transmits the mobile number and the transfer amount information of the transfer target, the mobile virtual account management server (MVAMS) transfers the transfer. It is determined whether the subject's virtual account has been settled, and at the same time, interest rate information (high rate) for cash withdrawal of the negative account is transmitted to the mobile terminals A1 to An of the customer.

The mobile virtual account management server (MVAMS) transfers cash to the virtual account of the transfer target. The mobile virtual account management server MVAMS transmits cash transfer information to the mobile terminals A1 to An of the customer and the mobile terminals B1 to Bn of the transfer target.

9B illustrates a data flow diagram of performing a merchant payment using a virtual account linked to a negative account. First, a customer requests an account of a virtual account from the mobile virtual account management server (MVAMS).

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile terminal number of the customer. In addition, when a negative account account request signal linked with the corresponding virtual account is applied from the customer mobile terminals A1 to An, the mobile virtual account management server MVAMS transmits the information of the corresponding customer to the financial server BS1. Negative accounts will be reviewed.

In the present invention, the mobile virtual account management server (MVAMS) in the form of relaying data when the negative account, but this is only one example, the financial server (BS1) is directly authorized by the account request signal for the negative account to account the negative account In the future, the mobile device may manage the virtual account managed by the mobile virtual account management server (MVAMS) and its negative account.

Subsequently, after checking the creditworthiness of the customer in the financial server (BS1), a negative account of a certain limit is accounted, and the information is transmitted to the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) Transmits the corresponding negative account account information to the mobile terminals A1 to An of the customer.

When the customer transmits the merchant payment signal through the minus account using the mobile terminals A1 to An, the merchant's mobile number and the payment amount information, the mobile virtual account management server (MVAMS) is the merchant's virtual account is It is determined whether the machine is determined, and at the same time, interest rate information (lower interest rate) for the merchant payment of the negative account is transmitted to the mobile terminals A1 to An of the customer.

The mobile virtual account management server (MVAMS) transfers cash to the virtual account of the merchant. The mobile virtual account management server MVAMS transmits payment confirmation information to the mobile terminals A1 to An of the customer and the mobile terminals B1 to Bn of the merchant.

FIG. 9C is a data flow diagram illustrating a setting and payment processing process for a merchant to bear a negative account interest rate of a customer, and the merchant owner's mobile terminal for the merchant owner to bear interest rates for the merchant payment of the negative account of the customer. (B1 to Bn) are used to access the mobile virtual account management server (MVAMS) to set interest rate burden information and burden period.

Then, the mobile virtual account management server (MVAMS) may provide the affiliate store promotional information by transmitting the interest rate burden information of the affiliate store to the customer mobile terminals (A1 to An).

Then, the customer requests an account of the virtual account to the mobile virtual account management server (MVAMS).

Then, the mobile virtual account management server (MVAMS) accounts for the virtual account based on the mobile terminal number of the customer. In addition, when a negative account account request signal linked with the corresponding virtual account is applied from the customer mobile terminals A1 to An, the mobile virtual account management server MVAMS transmits the information of the corresponding customer to the financial server BS1. Negative accounts will be reviewed.

In the present invention, the mobile virtual account management server (MVAMS) in the form of relaying data when the negative account, but this is only an example, the account is directly authorized by the account request signal for the negative account from the financial server (BS1) account In the future, the mobile device may manage the virtual account managed by the mobile virtual account management server (MVAMS) and its negative account.

Subsequently, after checking the creditworthiness of the customer in the financial server (BS1), a negative account of a certain limit is accounted, and the information is transmitted to the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) Transmits the corresponding negative account account information to the mobile terminals A1 to An of the customer.

When the customer transmits the merchant payment signal through the minus account using the mobile terminals A1 to An, the merchant's mobile number and the payment amount information, the mobile virtual account management server (MVAMS) is the merchant's virtual account is It determines whether the machine is determined, and at the same time transmits the merchant's interest rate burden information for the merchant payment of the negative account to the mobile terminal (A1-An) and the merchant terminal (B1-Bn) of the customer.

In addition, the mobile virtual account management server (MVAMS) transfers the amount of the interest rate and the merchant fee subtracted from the merchant account virtual account. The mobile virtual account management server MVAMS transmits payment confirmation information to the mobile terminals A1 to An of the customer and the mobile terminals B1 to Bn of the merchant.

10 is a schematic diagram schematically showing another configuration of an affiliated store and a customer account management system using a mobile according to a second embodiment of the present invention.

Referring to this, the virtual account of the merchant and the customer account management system using a mobile according to the present invention includes a cash account management tool 100, a negative account management tool 102, a prepaid account management tool 104 and In conjunction with each other, the management of the corresponding account is performed for each customer. In the case of a prepaid account, a rechargeable prepaid card has been a conventional art, and a prepaid account has no state. Postpay accounts take the form of accounts, but this is only a payment-only account for postpay payments. Most prepaid accounts are used for transportation.

The present invention manages the prepaid account to be automatically charged from the cash account (100) or the negative account (102) when using a mobile transport in conjunction with the virtual account, the customer when using the merchant payment or prepaid account A tool 108 that can provide 1 / N lottery or ad slot lottery is provided with the mobile virtual account management server (MVAMS). In addition, the merchant owner can make a customer's payment request using a wireless force, a mobile terminal (B1 to Bn) provided at the affiliated store, and a PC with web access.

11 is a data flow diagram illustrating another account account process of a merchant and a customer account management system using a mobile according to a second embodiment of the present invention.

First, the diagram shown in FIG. 11 shows a flow chart of data in which a customer makes an account request for a negative account to the financial server BS1, and then makes an interworking request for a virtual account. MVAMS) requires an account of a virtual account.

Then, the customer provides various personal information to the financial server BS1 and requests cash transfer to a virtual account or account of a negative account. Accordingly, the financial server BS1 transfers cash to the mobile virtual account management server MVAMS or provides negative account information along with customer information.

Then, the mobile virtual account management server (MVAMS) transmits the account information and cash transfer information of the negative account linked to the virtual account to the customer mobile terminal (A1 ~ An) so that the screen can be confirmed.

Subsequently, when a customer receives an item purchase or a service from an affiliated store, the affiliated store owner may access the mobile virtual account management server (MVAMS) for a purchase price or a service price of the corresponding customer to perform a payment request. In this case, it is preferable to provide a basic payment request tool to the affiliated store owner mobile terminals B1 to Bn in advance in the mobile virtual account management server (MVAMS).

The payment request tool is somewhat similar to the payment tool provided by the mobile virtual account management server MVAMS to the mobile terminals A1 to An of the customer, but the request target is different. For example, when the merchant owner checks and inputs the mobile number of the customer, inputs a payment amount after receiving the customer's confirmation, and generates a payment request signal to the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) Again, the payment request information is provided to the mobile terminals A1 to An of the customer to receive confirmation.

When confirmation of the payment request signal is made, the mobile virtual account management server (MVAMS) performs the payment processing and the payment confirmation information to the mobile terminal (A1 ~ An) and the merchant owners mobile terminal (B1 ~ Bn) of the customer send.

EMBODIMENT OF THE INVENTION Hereinafter, the 3rd temporary example of this invention is described in detail with reference to drawings.

12 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a third embodiment of the present invention.

Referring to this, the merchant and customer account management system using a mobile according to a third embodiment of the present invention, the customer accesses an automatic response system (ARS) provided in the mobile virtual account management server (MVAMS) account of the virtual account Requests, merchant payments, and cash transfers.

That is, in this case, when the mobile terminals A1 to An of the customer do not register the use of the wireless web service with the mobile carrier in advance, the customer accounts the virtual account using the mobile terminals A1 to An. It is a system for performing cash transfers or merchant payments through virtual accounts.

To this end, the merchant and customer account management system using the mobile according to the third embodiment of the present invention is connected to the automatic response system (ARS) of the virtual account management server linked with the negative account through a wireless voice communication network and transfers various cash. In order to generate the information for requesting information transmission and merchant payment processing, a key control unit and a mobile terminal A1 to An of a customer equipped with a wireless web browser are provided therein.

In addition, the merchant and customer account management system using a mobile according to the third embodiment of the present invention receives various merchant payment information about a virtual account management server linked to a negative account through a wireless voice communication network, and to a specific financial account. In order to generate the transfer request information of the key control unit and a mobile terminal (B1 to Bn) affiliated with a built-in wireless web browser is provided.

In addition, the merchant and the customer account management system using a mobile according to the third embodiment of the present invention is provided with a financial server (BS1 ~ BSn) for performing a transfer process to a corresponding account by receiving various financial signals of the customer or merchant. There is provided a mobile communication server MCS1 for transmitting and receiving various types of information to and from the customer terminals A1 to An and affiliated store mobile terminals B1 to Bn.

On the other hand, the merchant and the customer account management system using the mobile according to the third embodiment of the present invention receives the registration request signal for the mobile virtual account from the customer mobile terminal (A1 to An) to perform the account processing, the financial server (BS1 A mobile virtual account equipped with an automatic answering system (ARS) to receive cash transfers from the BSn and access them through the mobile terminals A1 to An to receive payment signals for specific merchants and perform payment processing. A management server (MVAMS) is provided.

With reference to the accompanying drawings, the function and operation of the merchant and the customer account management system using a mobile according to a third embodiment of the present invention of the above configuration will be described in detail.

FIG. 13 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a third embodiment of the present invention.

First, when a customer connects to an automatic answering system (ARS) provided in the mobile virtual account management server MVAMS using mobile terminals A1 to An, selects an account of a virtual account and inputs a mobile number. The mobile virtual account management server (MVAMS) accounts for the virtual account based on the account. The mobile virtual account management server (MVAMS) transmits the account information of the virtual account to the mobile terminals A1 to An of the customer through SMS.

In this state, the customer connects to the financial server BS1 and requests an account of cash transfer or negative account. Accordingly, the financial server BS1 transfers cash to the mobile virtual account management server MVAMS or provides negative account information along with customer information.

Then, the mobile virtual account management server (MVAMS) transmits the account information and cash transfer information of the negative account linked to the virtual account to the customer mobile terminal (A1 ~ An) so that the screen can be confirmed.

In addition, the customer is connected to the automatic answering system (ARS) of the mobile virtual account management server (MVAMS) using a mobile terminal (A1 ~ An) to select the merchant payment, and enter the mobile number and payment amount of the merchant do.

Then, the mobile virtual account management server (MVAMS) transfers the corresponding amount from the customer's virtual account to the merchant's virtual account, the payment confirmation information of the customer's mobile terminal (A1 ~ An) and the merchant's mobile terminal (B1) To Bn). At this time, it is preferable that the information transmitted to the mobile terminal A1 to An (B1 to Bn) of the customer and the affiliated owner is transmitted by SMS.

14 is a data flow diagram illustrating another signal flow of the affiliated store and the customer account management system using a mobile according to the third embodiment of the present invention.

The merchant and customer account management system using the mobile according to the third embodiment of the present invention increases the minus limit given to the customer by the financial server BS1 through the virtual account linked to the negative account by applying the utilization of the customer to the merchant. It is a system that can be used. In this case, the increase limit is the available limit 110, the financial server (BS1) is set to the mobile virtual account management server (MVAMS), the mobile virtual account management server (MVAMS) is available to each affiliated store corresponding limit ( 110) to be used as a promotion.

In this case, the negative loan rate for the amount increased due to the available limit 110 may be relatively smaller than the interest rate for the existing cash transfer and merchant payment loans to promote the promotion effect.

Therefore, the merchant owner performs a promotion using the available limit 110 assigned through the mobile virtual account management server (MVAMS) in the financial server (BS1), the customer to perform the merchant payment using the relatively reduced interest rates. It becomes possible. In addition, the merchant can secure a fixed customer through the provision of the available limit (110).

EMBODIMENT OF THE INVENTION Hereinafter, the 4th temporary example of this invention is described in detail with reference to drawings.

15 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a fourth embodiment of the present invention.

Referring to this, the merchant and customer account management system using a mobile according to the fourth embodiment of the present invention applies a variable interest rate according to the yield of the corresponding stock when purchasing a spot stock using a virtual account linked to a negative account. It is a system to give. In this case, it is preferable to set a withdrawal limit in advance when the securities company receives the return information on the customer's stock from the securities company and changes the stock to a deposit.

For example, the merchant and customer account management system using a mobile according to the present invention, when a customer who uses a negative account and a virtual account in conjunction with a negative loan to buy stocks, when the rate of return through the stock of the customer is increased Set a relatively high interest rate for negative loans in advance and settle the settlement, and set a relatively low interest rate when the yield through the client's stock decreases or have a negative return. do. That is, when investing a stock through a virtual account according to the present invention is to apply the variable interest on the negative loan used for the purchase of the stock.

To this end, the merchant and customer account management system using mobile according to the fourth embodiment of the present invention generates a negative loan request signal for stock purchase by accessing a virtual account management server linked to a negative account through a wireless voice call network. In order to receive the interest rate information, a key control unit and a mobile terminal A1 to An of a customer equipped with a wireless web browser are provided.

In addition, the merchant and customer account management system using the mobile according to the fourth embodiment of the present invention is provided with financial servers BS1 to BSn which receive various transfer signals from customers or securities companies and perform transfer processing to the corresponding accounts.

In addition, the present invention receives a stock purchase deposit from the financial server (BS1) and performs a deposit processing to the account of the customer, and the stock purchase processing using the deposit in real time, the mobile virtual account management server (MVAMS) to be described later Securities firm servers SOS1 to SOSn providing information on the rate of return of the customer are configured.

On the other hand, the merchant and customer account management system using the mobile according to the fourth embodiment of the present invention receives the registration request signal for the mobile virtual account from the customer mobile terminal (A1 ~ An) to perform the account processing, and to purchase A mobile virtual account management server (MVAMS) is provided that performs real-time interest rate settlement based on stock purchases and stock returns of the customer in connection with securities company servers (SOS1 to SOSn) by receiving cash transfer information.

With reference to the accompanying drawings, the function and operation of the merchant and customer account management system using a mobile according to a fourth embodiment of the present invention of the above configuration will be described in detail.

16 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a fourth embodiment of the present invention.

First, a customer who pre-registers a virtual account linked to a negative account in the mobile virtual account management server (MVAMS) to a specific stock account using the mobile terminals A1 to An in the mobile virtual account management server (MVAMS). When a negative transfer is requested, the mobile virtual account management server (MVAMS) provides the interest rate information when the stock purchase due to the negative loan to the customer.

At the same time, the mobile virtual account management server (MVAMS) transfers cash to the corresponding security account (130). In addition, the customer's stock return information is provided in real time from the server company (SOS1 to SOSn). The mobile virtual account management server (MVAMS) calculates the negative loan interest rate in conjunction with the stock return for the customer, the settlement process based on a certain period and when the interest rate settlement is complete from the stock deposit or the virtual account of the customer The cash corresponding to the interest rate is processed to withdraw in real time.

That is, the mobile virtual account management server (MVAMS) is provided with a variable interest rate setting unit 140 to settle the variable interest rate in real time, the information set in the variable interest rate setting unit 140 is the financial server (BS1) Configure basic tools to share with the public and open access routes for the variable rate setting information.

EMBODIMENT OF THE INVENTION Hereinafter, the 5th temporary example of this invention is described in detail with reference to drawings.

17 is a schematic diagram showing a schematic configuration of an affiliated store and a customer account management system using a mobile according to a fifth embodiment of the present invention.

Referring to this, the merchant and customer account management system using a mobile according to the fifth embodiment of the present invention allows a negative account, a prepaid account, a cash account to be integrated with the virtual account, and the integrated virtual account dedicated magnetic card (C1). ) Can be used to make bank transfers and withdrawals in real time using ATMs.

That is, the card recognition information received from the ATM is such that the transmission path data is set on the magnetic card C1 to be authorized to the mobile virtual account management server MVAMS through a financial company, and the transmission tool It is installed in the bank teller machine (ATM).

Since the magnetic card (C1) is a means for transmitting payment and transfer information to the mobile virtual account management server (MVAMS), the virtual account of the customer and the magnetic card (accessed to the mobile terminal A1 to An) of the customer ( The information of the virtual account accessed through C1) is the same. That is, through the mobile terminals A1 to An and the magnetic card C1, the customer can perform merchant payment, cash transfer, and cash withdrawal in real time.

With reference to the accompanying drawings, the function and operation of the merchant and the customer account management system using a mobile according to the fifth embodiment of the present invention of the above configuration will be described in detail.

18 is a data flow diagram illustrating a signal flow of an affiliated store and a customer account management system using a mobile according to a fifth embodiment of the present invention.

First, when a customer requests to open a virtual account while accessing the mobile virtual account management server (MVAMS) via mobile terminals A1 to An, and at the same time requests for issuance of a magnetic card, the mobile virtual account management The server MVAMS opens an account based on the mobile number linked with the virtual account, and provides the issued information of the magnetic card C1 linked with the virtual account to the mobile terminals A1 to An of the customer.

At the same time, the mobile virtual account management server MVAMS requests the issuance of a magnetic card for virtual account to the financial server BS1. Then, the financial company provides the customer with a tool that automatically connects to the magnetic card to the virtual account, and registers the magnetic card to the server to set the tool so that the ATM can recognize the card. .

In this state, when the customer requests cash withdrawal from the ATM using the card C1, the ATM sends the information to the mobile virtual account management server MVAMS.

Then, the mobile virtual account management server (MVAMS) checks the customer information based on the card information to provide withdrawal permission information to the financial server (BS1), the financial server (BS1) is the bank teller machine (ATM) Send withdrawal authorization information to allow customers to withdraw cash.

When the cash withdrawal is completed, the cash withdrawal information is again applied to the mobile virtual account management server (MVAMS) via the financial server (BS1), the mobile virtual account management server (MVAMS) is the mobile terminal of the customer (A1 ~) An) sends cash withdrawal and balance information.

In addition, when a customer inputs a mobile terminal number and payment amount information of a specific affiliated store and generates a payment request signal while accessing the mobile virtual account management server MVAMS using the mobile terminals A1 to An, The mobile virtual account management server (MVAMS) performs a payment processing to the merchant's virtual account in accordance with the customer's payment request signal.

The mobile virtual account management server MVAMS transmits payment confirmation information to the mobile terminals A1 to An of the corresponding customer and the mobile terminals B1 to Bn of the affiliated store.

Therefore, the merchant and the customer account management system using the mobile according to the fifth embodiment of the present invention allows the customer to easily withdraw and transfer cash through ATM (ATM), and the information on the mobile terminal (A1). ~ An) to be provided in real time, and merchant payment is to access and process the virtual account with the mobile terminal (A1 ~ An), the merchant owner also exists in the virtual account using the magnetic card (C1) of the same method It is very convenient because you can withdraw cash. In other words, it is possible to perform cash withdrawal, cash transfer, and merchant payment using offline and online.

EMBODIMENT OF THE INVENTION Hereinafter, the 6th temporary example of this invention is described in detail with reference to drawings.

19 is a schematic diagram showing a schematic configuration of a merchant and a customer account management system using a mobile according to a sixth embodiment of the present invention.

Referring to this, the merchant and customer account management system using the mobile according to the sixth embodiment of the present invention for the distribution and management of financial vouchers (including retailer vouchers: department store vouchers, etc.) to which interest rates are applied, interest rate settlement and interest rate provision, etc. System.

By granting the gift certificate and the banknote illustrated in the sixth embodiment of the present invention, it is issued in the banknote, and the interest rate up to the point of use of the gift certificate is given to the corresponding buyer by having a separate server perform the use check and the settlement of the interest rate. The present invention relates to a system for processing a voucher to be paid if the voucher is exceeded at the point of use or if a cash payment is desired before the point of use is exceeded.

In addition, in the present invention, in addition to the financial gift certificate, the distribution management of the gift certificate and the communication gift certificate of a general distributor, the interest rate settlement processing from the time of its issuance, and the interest rate payment can be performed.

In addition, the present invention is to purchase a gift certificate through a virtual account linked to the negative account exemplified in the above embodiment, to settle the purchase rate, and to process the minus loan interest rate together with the gift certificate interest rate.

Therefore, according to the sixth embodiment of the present invention, a customer can purchase an online / offline gift certificate through cash or a minus loan, and at this point, even if the user owns or presents the purchased gift certificate until the time before using the gift certificate. Interest rates will be applied and paid at interest. Interest payments are deposited through virtual accounts and can be used as payments by merchants at various merchants.

When a gift certificate is purchased with a negative loan, the minimum interest rate is applied before the point of use of the gift certificate, and after the point of use of the gift certificate, the original negative interest rate is applied.

In particular, in the case of vouchers issued by financial institutions, even if the voucher is purchased, the voucher price is paid to the corresponding company at the point of use of the voucher, so cash is not moved before the voucher is used. Therefore, the negative loan rate of the virtual account linked to the financial institution may apply the minimum rate before the voucher is used, and apply the original interest rate from the point of use of the gift certificate or apply a smaller interest rate than the original negative interest rate.

To this end, the merchant and customer account management system using a mobile according to the sixth embodiment of the present invention is connected to a virtual account management server linked with a negative account through a wireless web network to transmit various cash transfer information and merchant payment processing, on / In order to generate the request information for offline voucher purchase, a key operating unit and a mobile terminal A1 to An of a customer with a built-in wireless web browser are provided therein.

In addition, the merchant and customer account management system using a mobile according to the sixth embodiment of the present invention is connected to a virtual account management server linked to a negative account through a wireless web network to receive various merchant payment information and request transfer to a specific financial account. In order to generate a request for confirmation of the information and the gift certificate information provided to the customer, there is provided a key operator and an affiliated store owner mobile terminal (B1 to Bn) having a built-in wireless web browser.

In addition, the merchant and the customer account management system using the mobile according to the sixth embodiment of the present invention receives a transfer request signal from the customer or the merchant's owner, transfers to the corresponding account, and evaluates the creditworthiness of the customer according to the customer's request. By opening a negative account to process the interworking with the virtual account, and in cooperation with other merchants are provided with a financial server (BS1 ~ BSn) for issuing financial vouchers that can purchase goods of the merchants.

On the other hand, the merchant and customer account management system using the mobile according to the sixth embodiment of the present invention receives the registration request signal for the mobile virtual account from the customer mobile terminal (A1 to An) to perform the account processing, the financial server (BS1 Receiving the customer information and the negative account information of the customer, and linking the virtual account and the negative account, and performing the settlement and transfer processing according to the signal of the customer's cash transfer and merchant payment, and the financial server (BS1). A mobile virtual account management server (MVAMS) is provided, which receives the gift voucher issuing information from ˜BSn), receives the gift voucher usage information from the merchant, and performs interest rate settlement and interest payment processing.

The mobile virtual account management server (MVAMS) receives and registers the gift certificate issuance information from the financial server (BS1 ~ BSn), and receives the use signal of the gift certificate from the merchant terminal (B1 ~ Bn) to use the gift certificate The registration is made and the interest rate from the issuing period to the point of use is settled and paid to the gift certificate buyer. In this case, it is preferable that the payment of interest on the gift certificate interest rate be deposited into the virtual account so that the gift certificate buyer can use it at another merchant.

With reference to the accompanying drawings, the function and operation of the merchant and customer account management system using a mobile according to the sixth embodiment of the present invention of the above configuration will be described in detail.

20A and 20B are flowcharts illustrating signal flows of an affiliated store and a customer account management system using a mobile according to a sixth embodiment of the present invention. The issuance of a gift certificate according to the present invention may be issued directly in a financial institution, or may be issued by a gift certificate issuer in a state in which the financial instrument is excluded.

First, when a customer requests issuance of a gift certificate to a gift certificate issuer (merchant) and deposits the amount of the gift certificate amount, the gift certificate issuer issues a gift certificate to the customer.

The gift voucher issues the amount of money to the financial servers BS1 to BSn. At the same time, the gift voucher transmits issuance information to the mobile virtual account management server (MVAMS). Then, the mobile virtual account management server (MVAMS) registers the issue information. The customer can present the gift certificate.

In this state, the recipient who received the gift certificate can register the gift certificate with the mobile virtual account management server (MVAMS), and perform the loss processing using the registration number of the gift certificate. The gift certificate has a unique registration number, so if you lose it, you cannot use the gift card.

Therefore, the mobile virtual account management server (MVAMS) is registered when the loss report is received and the voucher is registered, and provides a certain percentage of the voucher to the gift certificate recipient. At the same time, the mobile virtual account management server MVAMS pays interest by applying the interest rate of the gift certificate to the virtual account of the customer who originally purchased the gift certificate.

If the person receiving the gift certificate uses the gift certificate at a merchant, the affiliated store owner accesses the mobile virtual account management server (MVAMS) using the mobile terminal B1 to Bn and uses the corresponding gift certificate registration number. Generate a payment processing signal.

Then, the mobile virtual account management server (MVAMS) similarly pays the gift voucher interest to the virtual account of the first gift voucher buyer, and performs the use registration processing of the gift voucher.

On the other hand, when a financial company issuing a voucher for a gift voucher, the customer can purchase a voucher using a negative loan linked to a virtual account, such as the present invention. The purchase price of the gift certificate is not immediately deposited to the issuer (such as a merchant), but the deposit is processed to the issuer of the gift certificate (such as the merchant) at the point of use of the gift certificate.

Therefore, in this case, the financial servers BS1 to BSn and the mobile virtual account management server MVAMS are linked to register sales information and voucher registration numbers of the vouchers to perform interest rate settlement and payment processing.

Therefore, when a gift voucher is purchased using a negative loan, the price of the gift voucher is not paid to the voucher issuer (eg, a merchant) until the voucher is used, so that a low interest rate may be applied, and the minus value from the point at which the voucher is distributed and used. Since the interest rate of the loan is applied, even at this point, the interest on the purchase price of the gift certificate is summed up, so the negative loan rate from the point of use of the gift certificate may be slightly lower. The mobile virtual account management server (MVAMS) is provided with an interest rate settlement tool for performing such interest rate settlement processing therein.

In addition, a gift certificate holder may use the gift certificate even after the distribution period of the gift certificate passes, and may receive payment for the gift certificate.

On the other hand, the merchant and customer account management system and mobile management method using a mobile according to an embodiment of the present invention is not limited to the above embodiments, but various changes are possible within the scope not departing from the technical gist.

As described above, the merchant and customer account management system using the mobile according to the present invention and a method of managing the same through a virtual account linked to a cash account and a negative account, prepaid account, cash transfer, payment, mobile to mobile (P2P), Merchant payments can be performed in real time, and different interest rates are applied in a single virtual account according to the terms of collateral, unsecured, cash transfer, and merchant payments when the loan is negative, so that a very efficient and convenient payment processing is achieved. In addition, by setting up and registering a merchant's interest rate agreement, the merchant can bear the interest rate during the set period when purchasing the merchant's goods using a negative loan, attracting fixed customers, and providing an increase in the negative limit to the customers who requested the merchant's demand. It is possible to induce active consumption of customers by assigning a low interest rate for the increase. In addition, when purchasing stocks through the virtual account, differential interest rates are applied according to the stock return of the corresponding customer, which gives the advantage of stock purchases, mobile-to-mobile payment and cash transfer through wireless web, wired web, and ARS. This can increase the convenience of the customer. In addition, it is possible to activate the gift voucher market by paying the interest from the point of issuance to the point of use of the voucher by managing the voucher linked to the virtual account.

Claims (28)

A mobile terminal of a customer having a key control unit and a wireless web browser embedded therein for accessing a virtual account management server through a wireless web network to generate various cash transfer information and to generate merchant payment processing request information; A target mobile terminal having a key control unit and a wireless web browser therein for accessing a virtual account management server through a wireless web network to receive various cash transfer information and to generate transfer request information to a specific financial account; A financial server for receiving a request for a transfer request from a customer or a merchant and performing transfer processing to a corresponding account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the mobile terminal for transfer target; Receive the registration request signal for the mobile virtual account from the customer's mobile terminal to perform account processing, and transfer the cash from the customer's financial account to register the cash transfer signal and merchant payment signal from the customer's mobile terminal Receive cash transfer to a specific customer's mobile virtual account or payment process to the merchant's virtual account for merchants, mobile virtual account management server that transmits the transfer or payment confirmation information through the screen of each mobile terminal possible Merchant and customer account management system using a mobile, characterized in that consisting of. The method of claim 1, wherein the mobile virtual account management server accounts for the virtual account based on the mobile number of the customer, and according to the customer's choice for the merchant payment different from the customer's mobile terminal number (123-456-7890) By assigning the customer terminal number (123-456-78901), the mobile terminal number of the customer, the virtual account number, the merchant terminal number for payment, and the real name of the customer linked and registered, and controls to output the representative account for the virtual account transfer screen Merchants and customer account management system using a mobile. The method of claim 1, wherein the mobile virtual account management server to manage the merchant and the customer account using the mobile, characterized in that for transmitting the mobile number and payment amount information of the payer and the payment target to the merchant owners mobile terminal and the customer mobile terminal. system. According to claim 1, The mobile virtual account management server receives a variety of cash transfer or merchant payment request information for the mobile terminal of the customer and the mobile terminal of the merchant owner or the target recipient, transfer or payment confirmation information to the customer or merchant owner, A communication module for performing data processing and protocol processing for transmitting to a mobile terminal of a transfer subject; A member information management unit for managing information about a member who has registered an account for a virtual account in association with a mobile terminal number and an affiliated store's unique number; A mobile virtual account manager that manages settlement processing, such as deposit and withdrawal, management fees, for customers, virtual accounts, unregistered transfer subjects, and merchant accounts; A linked financial company information management unit for managing various linked financial company information for managing a real account which is linked with a virtual account so that transfer processing is performed; An SMS information management unit managing information generation and transmission of payment confirmation information or transfer confirmation information; Merchant information management unit for managing the information of the merchant registered to receive the payment according to the request signal of the customer's mobile terminal by accounting the virtual account; A merchant fee settlement unit that performs settlement of payment related fees for the merchant; Customer reserve information management unit for managing the reserves given to the customer when the merchant payments through the customer's virtual account; A member DB for storing and storing member information such as a real name and a social security number, respectively, based on the mobile terminal information; A virtual account DB for storing virtual member information for each member and storing the deposit and withdrawal information; An SMS information DB for storing short messaging service data which is a means of transferring the transfer confirmation information and the merchant payment information of the customer; Merchant information DB for storing the information of the merchants that have been given a unique merchant number by accounting the virtual account; A reserve information DB for storing the reserve information received in exchange for the customer's cash transfer and payment of the merchant and the use history information of the reserve; Register the account of the member according to the virtual account account request signal transmitted from the mobile terminal of the customer and the target person of the merchant, and the customer's virtual account according to the customer's transfer request signal and transfer amount information It is composed of a control unit for processing the transfer and payment from the target person and merchant's virtual account from the transfer target, the merchant commission settlement process, and processing to provide the reserves and various online split lottery, ad slot machine lottery to the customer when the merchant pays Merchants and customer account management system using a mobile. Accessing a mobile virtual account management server by a customer to transmit member information and a mobile number to make a mobile virtual account registration request; Processing the virtual account by the mobile virtual account management server based on the mobile number of the customer; Transmitting a representative account for transferring a virtual account from the mobile virtual account management server to a mobile terminal of a customer; Generating a transfer request signal of a predetermined amount to a representative account for transfer of the mobile virtual account management server by a client accessing a financial server through a mobile terminal; When the transfer is completed, after the mobile virtual account management server confirms the real name and the amount of the customer, updating the transfer data to the virtual account of the customer; Transmitting a request signal for a certain amount of cash transfer and a mobile terminal number of the transfer target to the transfer target using the mobile terminal; Determining, by the mobile virtual account management server, whether a virtual account associated with the mobile terminal of the transfer target is already registered; The mobile virtual account management server transferring the corresponding amount to the virtual account; Merchant and customer account management method using a mobile, characterized in that the transfer information is made of a transfer request to the customer's mobile terminal and the mobile terminal of the transfer target. The method of claim 5, wherein the mobile virtual account management server is further configured to assign a terminal number for payment of a merchant (123-456-78901) different from the customer's mobile terminal number (123-456-7890) according to a customer's selection; Merchant and customer account management method using a mobile, characterized in that it further comprises the process of linking and registering the mobile terminal number of the customer, virtual account number, merchant payment terminal number, customer real name. The mobile virtual account management server according to claim 5, wherein if the virtual account of the transfer target is already registered, the transfer process is immediately performed to the virtual account of the transfer target, and if the virtual account of the transfer target is not registered, the mobile virtual account management server. How to manage the merchant and customer account using a mobile, characterized in that the transfer processing after the account processing the virtual account to be transferred based on the mobile number of the transfer target. The method of claim 5, wherein when the transfer target person is an affiliated store owner, the mobile virtual account management server deposits a virtual account after reducing the affiliated store fee of the affiliated store. The mobile virtual account management server of claim 5, wherein the mobile virtual account management server sequentially counts the payment signal according to the merchant payment signal generated from the mobile terminal of the customer, and the 1 / N split lottery ticket and the merchant advertisement logo are included in the mobile terminal of the customer. Merchant and customer account management method using a mobile, characterized in that the slot machine provides lottery services. A mobile terminal of a customer equipped with a key control unit and a wireless web browser therein for accessing a virtual account management server linked with a negative account through a wireless web network to generate various cash transfer information and to generate merchant payment processing request information; Access to a virtual account management server linked to a negative account through a wireless web network to receive various merchant payment information and to generate the transfer request information to a specific financial account, the key control unit and the merchant terminal mobile terminal with a built-in wireless web browser ; A banking server receiving a transfer request signal from a customer or a merchant and performing transfer processing to a corresponding account, evaluating the creditworthiness of the customer according to a customer's request, and opening a negative account to process the link with a virtual account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the affiliated store owner mobile terminal; Account processing is performed by receiving the registration request signal for the mobile virtual account from the customer mobile terminal, and receives the customer information and the negative account information of the corresponding customer from the financial server to link the virtual account and the negative account, and transfers the customer's cash and The merchant and the customer account management method using a mobile virtual account management server characterized in that the settlement and transfer processing in accordance with the signal to the merchant payment, and the interest rate settlement processing to apply different interest rates, respectively. 11. The method of claim 10, wherein the mobile virtual account management server characterized in that the interest rate settlement of the negative account linked to the virtual account, the differential rate application processing for each collateral, unsecured, cash transfer and withdrawal, merchant payment Merchant and customer account management system using mobile. Requesting an account of the virtual account from the mobile virtual account management server; Processing the virtual account by the mobile virtual account management server based on the mobile terminal number of the customer; Applying a negative account account request signal linked to the corresponding virtual account from the customer mobile terminal; The mobile virtual account management server transmitting the customer's information to the financial server to make a negative account request; Checking, by the financial server, the credit level of the customer, and accounting for a certain limit of negative account; Transmitting, by the mobile virtual account management server, the corresponding negative account account information to the mobile terminal of the customer; Transmitting, by the customer, a cash transfer request signal through a negative account using a mobile terminal; Transmitting the mobile number and the transfer amount information of the transfer target; Determining, by the mobile virtual account management server, whether a virtual account of the transfer target is set in advance; Transferring the cash by the mobile virtual account management server to the virtual account of the corresponding transfer target; And the mobile virtual account management server is configured to transmit cash transfer information to the mobile terminal of the customer and the mobile terminal of the transfer target. The method of claim 12, wherein the mobile virtual account management server performs differential interest rate application according to whether the transfer target person is an individual or an affiliated store owner. The method of claim 13, wherein the mobile virtual account management server determines whether a transfer target is an individual or a merchant owner according to a selection signal of a mobile terminal of a customer. [13] The method of claim 12, wherein the mobile virtual account management server is configured to pay a negative loan interest rate to set the affiliate store owner to perform interest rate settlement. 13. The method of claim 12, further comprising: transmitting an account request for a negative account to a financial server; Making a link request to the mobile virtual account management server after opening a negative account; Merchant and customer account management method using a mobile, characterized in that the mobile virtual account management server further comprises the step of linking the negative account and the virtual account according to the customer's negative account linkage request. A key control unit and a wireless web browser are built in to access the automatic response system of the virtual account management server linked to the negative account through the wireless voice call network to generate the required information for sending various cash transfer information and processing the merchant payment. A mobile terminal of the customer; Receives various merchant payment information about the virtual account management server linked to the negative account through the wireless voice call network, and the merchant owner with the built-in key control unit and the wireless web browser to generate the transfer request information to a specific financial account. A mobile terminal; A financial server which receives various financial signals from customers or merchants and transfers them to the corresponding account; A mobile communication server for transmitting and receiving various types of information about the customer terminal and the affiliated store owner mobile terminal; Receive the registration request signal for the mobile virtual account from the customer's mobile terminal to perform account processing, receive cash transfers from the financial server, access it through the customer's mobile terminal, and receive payment signals for specific merchants to perform payment processing. Merchant and customer account management system using a mobile, characterized in that consisting of a mobile virtual account management server equipped with an automatic answering system (ARS) therein. Connecting a call to an automatic answering system provided in a mobile virtual account management server by a customer using a mobile terminal; Selecting an account of the virtual account and inputting a mobile number; Allowing the mobile virtual account management server to account for the virtual account based on the corresponding account; Requesting an account of a cash transfer or a negative account by accessing the financial server; Connecting a call to an automatic answering system of the mobile virtual account management server by a customer using a mobile terminal; Selecting a merchant payment and inputting a mobile number and payment amount of the affiliate store owner; The mobile virtual account management server transfers the amount from the virtual account of the customer to the virtual account of the merchant; Merchant and customer account management method using a mobile, characterized in that consisting of the process of transmitting the payment confirmation information to the mobile terminal of the customer and the mobile terminal of the merchant. The method of claim 18, wherein the payment confirmation information is transmitted from the mobile virtual account management server using a short messaging service (SMS). 19. The method of claim 18, further comprising the steps of: applying a signal for requesting an increase in the negative loan limit granted to the customer according to the request of the merchant; Increasing the loan limit; Merchant and customer account management method using a mobile, characterized in that further comprising the step of differentially setting the interest rate for the increase of the loan limit. A customer who has a key control unit and a wireless web browser built in to access a virtual account management server linked to a negative account through a wireless voice call network, generate a negative loan request signal for stock purchase, and receive the interest rate information. A mobile terminal; A financial server receiving various transfer signals from a customer or a securities company and performing transfer processing to a corresponding account; Receiving a stock purchase deposit from the financial server (BS1) and deposits the account of the customer, and performs the stock purchase process using the deposit in real time, the information on the rate of return of the customer to the mobile virtual account management server to be described later A securities company server that provides; Receives the registration request signal for the mobile virtual account from the customer's mobile terminal, performs account processing, and receives cash transfer information on the purchase and purchase in connection with the securities company server to perform real-time interest rate settlement through the stock purchase and stock return of the customer. Merchant and customer account management system using a mobile, characterized in that consisting of a mobile virtual account management server. Generating a stock purchase request signal through a virtual account; Receiving stock purchase information and its yield information; Merchant and customer account management method using a mobile, characterized in that the process consisting of applying differential negative interest rates according to the stock returns. 23. The method of claim 22, wherein the application of interest rates based on stock returns increases interest rates when the stock returns increase, and reduces interest rates when the stock returns decrease. A key control unit and a wireless web browser are built-in to generate a request information for sending various cash transfer information, processing merchant payments, and purchasing online / offline gift certificates by accessing a virtual account management server linked to a negative account through a wireless web network. A mobile terminal of the customer; Access to the virtual account management server linked to the negative account through the wireless web network to receive various merchant payment information, transfer request information to a specific financial account, and to generate a request signal for confirmation of the gift certificate information provided to the customer and the key operation unit A merchant mobile terminal with a built-in wireless web browser; Receive the transfer request signal from the customer or the merchant's request and transfer it to the corresponding account.In accordance with the customer's request, the customer's credit rating is assessed and a negative account is opened to be processed in conjunction with the virtual account. A financial server for issuing a financial voucher for purchasing goods of affiliated stores; The account is processed by receiving the registration request signal for the mobile virtual account from the customer's mobile terminal.The customer information and the negative account information of the customer are provided from the financial server to link the virtual account and the negative account, and the customer's cash transfer and merchant The mobile virtual account performs payment and transfer processing according to a signal for payment, receives gift certificate issuance information from the financial servers BS1 to BSn, and receives gift certificate usage information from merchants and performs interest rate settlement and interest payment processing. Merchant and customer account management system using a mobile, characterized in that consisting of a management server. 24. The mobile virtual account management server of claim 23, wherein the mobile virtual account management server receives and registers the gift certificate issuance information from the financial server, and receives the use signal of the gift certificate from the merchant terminal and registers the use of the gift certificate. Merchant and customer account management system using a mobile, characterized in that the settlement of interest rates up to the point of use and payment to the gift certificate buyer. 24. The merchant and customer account management system of claim 23, wherein the interest payment for the gift certificate interest rate is deposited in a virtual account. The customer purchases the gift certificate at the gift voucher issuer; Transmitting the mobile number, the gift certificate sales information, and the gift certificate registration number of the corresponding customer from the gift voucher issuer to the mobile virtual account management server; Registering gift certificate issuance information; Receiving a gift certificate use signal from a merchant; Calculating the interest rate from the time of issuance of the gift certificate to the time of use of the gift certificate; Merchant and customer account management method using a mobile, characterized in that consisting of a process of depositing the gift certificate interest in the virtual account of the buyer. 28. The method of claim 27, wherein when a gift certificate is purchased with a negative loan linked to a virtual account, a low interest rate is applied from the time of issuance of the gift certificate to the point of use of the gift certificate, and the original negative loan rate is applied from the point of use. Merchant and customer account management method using.