KR20070027193A - How to provide financial services between virtual accounts using integrated accounts - Google Patents

Abstract

According to the present invention, there is provided a method for providing a financial service between virtual accounts using an integrated account, comprising: (A) receiving, by a financial service providing server, terminal information and purchase information linked to a virtual account of a purchasing member from a terminal of a selling member; (B) the financial service providing server transmitting the purchase information to the terminal of the purchase member and requesting a password; (C) after the financial service providing server performs payment authentication using a password transmitted from the terminal of the purchasing member, the virtual account of the purchasing member and the virtual account of the selling member are respectively linked to different financial companies' integrated accounts. In the case of, the transfer history between the consolidated accounts in each of the consolidated accounts, and the settlement of the purchase member's virtual account by calculating the negative value of the purchase price corresponding to the purchase member's virtual account plus the purchase price corresponding to the purchase price settled; (D) the financial service providing server transmitting the settlement completion to the terminal of the sales member; And (E) requesting a transfer of the settlement difference between integrated accounts by calculating the transfer history between the consolidated accounts for each financial institution recorded in each of the integrated accounts by the financial service providing server when a predetermined settlement time is reached. It is characterized by.

Description

Method for providing financial service among virtual accounts using integrated account}

1 is a conceptual diagram of a financial service between virtual accounts using an integrated account according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a financial service providing server between virtual accounts using an integrated account according to an embodiment of the present invention.

3 is a relationship diagram between a financial company, an integrated account and a virtual account according to an embodiment of the present invention.

4 is a flowchart illustrating a method of providing a financial service between virtual accounts using an integrated account according to an embodiment of the present invention.

5A is a diagram illustrating the overall signal flow of a method for providing a purchase settlement service between virtual accounts using an integrated account according to a first embodiment of the present invention.

5B is a diagram illustrating a screen of a terminal in a method of providing a purchase settlement service between virtual accounts using an integrated account according to a first embodiment of the present invention.

FIG. 5C is a diagram illustrating a transfer history recorded in the integrated account and the virtual account in the method for providing a purchase settlement service between the virtual accounts using the integrated account according to the first embodiment of the present invention.

6A is a diagram illustrating the overall signal flow of a method for providing a transfer service between virtual accounts using an integrated account according to a second embodiment of the present invention.

6B is a diagram illustrating a screen of a terminal in a method for providing a transfer service between virtual accounts using an integrated account according to a second embodiment of the present invention.

FIG. 6C is a diagram illustrating a transfer history recorded in the integrated account and the virtual account in the method for providing a transfer service between virtual accounts using the integrated account according to the second embodiment of the present invention.

FIG. 7A illustrates an overall signal flow of a method for providing a cash withdrawal service between virtual accounts using an integrated account according to a third embodiment of the present invention.

FIG. 7B is a diagram illustrating a transfer history recorded in an integrated account and a virtual account in the method for providing a cash withdrawal service between virtual accounts using the integrated account according to the third embodiment of the present invention.

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

100-1 to 100-n: terminal 200-1 to 200-m: financial server

300: financial service providing server 310: financial service management unit

311: member and virtual account management unit 312: linked financial company information management unit

313: Integrated Account Management and Settlement Department 314: Merchant Information Management Department

320: database unit 321: member and virtual account database

322: linked financial company database 323: integrated account database

324: merchant database 400: mobile communication server

500: Merchant 600: VAN company

700 network

The present invention relates to a method of providing a financial service between virtual accounts using an integrated account, and more particularly, in a financial service such as purchase settlement, remittance, and cash withdrawal, easily finances a terminal number without exposing an account number or a credit card number. The present invention relates to a financial service providing method between virtual accounts using an integrated account that can use a service.

At present, various payment methods have been developed and used to eliminate the inconvenience of possession, cash check, owner's loss, balance return, and lay the groundwork for a credit society. For example, debit cards, credit cards, check cards and the like are used. However, these cards had a problem that a separate terminal is required, and in the case of an online store, an account number or a credit card number has to be entered, and thus, a user's account number or credit card number may be leaked and abused.

In order to solve the problem of the use of the card, a card reader or a mobile banking RF (Radio Frequency) chip is embedded in the terminal device to provide services such as payment and cash withdrawal. The terminal method embedded with the mobile banking RF chip can reduce the risk of leakage of the above-described account number or credit card number, there is an advantage that does not require a separate card reader. However, there has been a problem that a user needs to purchase a separate terminal terminal to use financial services.

In order to solve the above problems, in Korea Patent No. 328576, Korean Patent Publication No. 2002-83570, Korean Patent Publication No. 2004-35947, etc., after the user establishes a virtual account linked to the terminal number, the terminal number There is disclosed a method for providing various financial services, such as purchase payment, remittance, negative account using.

However, financial services between virtual accounts using the integrated accounts disclosed in Korean Patent No. 328576, Korean Patent No. 2002-83570 and Korean Patent No. 2004-35947 are used by a financial company every time a user makes a payment or remittance. Since the transfer of data from a real account to another real account has a large amount of data throughput, a financial company has a huge cost burden for constructing, maintaining, and managing a server for processing the same.

In addition, the user has to pay a fee in order to use a financial service such as remittance and cash withdrawal, and in particular, there is a problem in that a considerable fee must be paid during remittance or cash withdrawal between other parties.

In order to solve the above problems, the technical problem of the present invention is to reduce the number of transfer from the real account to another real account when the user uses financial services such as purchase payment, remittance and cash withdrawal, the server construction, maintenance and management of financial companies It is to provide a financial service providing method between virtual accounts using an integrated account to reduce the cost burden for the company.

Another technical problem of the present invention is to provide a method of providing a financial service between virtual accounts using an integrated account that can reduce the fees incurred when a user uses a financial service such as purchase payment, remittance and cash withdrawal.

In order to solve the above technical problem, in the method of providing a financial service between virtual accounts using an integrated account according to the first aspect of the present invention, a financial service providing server opens a single integrated account for each financial company and a plurality of members in the integrated account. In the system for providing a financial transaction between the member's virtual accounts after opening the virtual account, a method of transferring the payment from the purchase member's virtual account to the sales member's virtual account, (A) the financial service providing server Receiving terminal information and purchase information associated with the virtual account of the purchasing member from the sales member's terminal; (B) the financial service providing server transmitting the purchase information to the terminal of the purchase member and requesting a password; (C) after the financial service providing server performs payment authentication using a password transmitted from the terminal of the purchasing member, the virtual account of the purchasing member and the virtual account of the selling member are respectively linked to different financial companies' integrated accounts. In the case of, the transfer history between the consolidated accounts in each of the consolidated accounts, and the settlement of the purchase member's virtual account by calculating the negative value of the purchase price corresponding to the purchase member's virtual account plus the purchase price corresponding to the purchase price settled; (D) the financial service providing server transmitting the settlement completion to the terminal of the sales member; And (E) requesting a transfer of the settlement difference between integrated accounts by calculating the transfer history between the consolidated accounts for each financial institution recorded in each of the integrated accounts by the financial service providing server when a predetermined settlement time is reached. It is characterized by.

According to a second aspect of the present invention, there is provided a method for providing a financial service between virtual accounts using an integrated account, wherein a financial service providing server opens a single integrated account for each financial company and opens a virtual account of a plurality of members in the integrated account. In a system for providing financial transactions between accounts, a method of transferring a payment from a purchasing member's virtual account to a selling member's virtual account, the method comprising: (A) the financial service providing server connected to the purchasing member's virtual account; Receiving terminal information and purchase information from a sales member's terminal; (B) the financial service providing server transmitting the purchase information to the terminal of the purchase member and requesting a password; (C) after the financial service providing server performs payment authentication using the password transmitted from the terminal of the purchasing member, the virtual account of the purchasing member and the virtual account of the selling member are linked to the integrated account of the same financial company. Calculating the settlement amount by minus the corresponding purchase price in a virtual account of a purchasing member linked to the same integrated account, and calculating the plus amount of the purchase price in a virtual account of a sales member; And (D) the financial service providing server transmitting a settlement completion to the terminal of the sales member.

According to a third aspect of the present invention, there is provided a method of providing a financial service between virtual accounts using an integrated account, wherein a financial service providing server opens a single integrated account for each financial institution and opens a plurality of virtual accounts of the members in the integrated account. In a system for providing a financial transaction between virtual accounts, a method of transferring money from a virtual account of a first member to a virtual account of a second member, wherein (A) the financial service providing server is associated with the virtual account of the first member. Receiving a terminal number and a remittance amount associated with the virtual account of the second member from the terminal; (B) the financial service providing server transmitting the remittance information to the terminal of the first member and requesting a password; (C) after the financial service providing server performs authentication by using the password transmitted from the terminal of the first member, the virtual account of the first member and the virtual account of the second member are different from each other. In the case of being linked to each other, the transfer history between the consolidated accounts is recorded in each of the consolidated accounts, and the settlement amount is negatively recorded in the virtual account of the first member, and the settlement is performed. The remittance amount is transferred to the virtual account of the second member. Recording the amount corresponding to the plus; And (D) requesting a transfer of the settlement difference between integrated accounts by calculating the transfer history between integrated accounts for each financial company recorded in each of the integrated accounts by the financial service providing server when a predetermined settlement time is reached. It is characterized by.

According to a fourth aspect of the present invention, there is provided a method of providing a financial service between virtual accounts using an integrated account, wherein a financial service providing server opens a single integrated account for each financial institution and opens a virtual account of a plurality of members in the integrated account. In a system for providing a financial transaction between virtual accounts, a method of transferring money from a virtual account of a first member to a virtual account of a second member, wherein (A) the financial service providing server is associated with the virtual account of the first member. Receiving a terminal number and a remittance amount associated with the virtual account of the second member from the terminal; (B) the financial service providing server transmitting the remittance information to the terminal of the first member and requesting a password; And (C) an integrated account of a financial company in which the financial service providing server performs authentication using a password transmitted from the terminal of the first member, and then the virtual account of the first member and the virtual account of the second member are the same. In the case of the linkage, the amount including the remittance amount is negatively recorded in the virtual account of the first member linked to the same integrated account and settled, and the amount corresponding to the remittance amount is added to the virtual account of the second member. And recording and paying the bill.

According to a fifth aspect of the present invention, there is provided a method for providing a financial service between virtual accounts using an integrated account, wherein a financial service providing server opens a single integrated account for each financial institution and opens a virtual account of multiple members in the integrated account. In a system for providing financial transactions between virtual accounts, a method for withdrawing cash from a virtual account by a member, comprising: (A) a financial company that receives a member's card, password and withdrawal information associated with the member's virtual account; Receiving, from a teller machine, the financial service providing server receiving card information, password, and withdrawal information including the virtual account information of the member; (B) if the financial company linked to the virtual account of the member and the financial company of the deposit and withdraw machine are different from each other after the financial service providing server performs authentication using a password transmitted from the financial institution's teller machine, Minus the amount including the withdrawal amount in the consolidated account linked to the virtual account, plus the amount corresponding to the withdrawal amount from the consolidated account linked to the financial company of the deposit and withdrawal machine, the withdrawal amount in the member's virtual account Negatively recording an amount including; (C) the financial service providing server transmitting information to the teller machine to approve to pay cash from an integrated account linked to the financial company of the teller machine; And (D) requesting a transfer of the settlement difference between integrated accounts by calculating the transfer history between integrated accounts for each financial company recorded in each of the integrated accounts by the financial service providing server when a predetermined settlement time is reached. It is characterized by.

According to a sixth aspect of the present invention, there is provided a method for providing a financial service between virtual accounts using an integrated account, wherein a financial service providing server opens a single integrated account for each financial institution and opens a plurality of virtual accounts of the members in the integrated account. In a system for providing a financial transaction between virtual accounts, a member withdraws cash from a virtual account, (A) a financial company that receives the terminal number, password and withdrawal information of the member associated with the member's virtual account; Receiving, by the financial service providing server, the terminal information, password and withdrawal information associated with the virtual account information of the member; (B) after the financial service providing server authenticates using the terminal information and the password transmitted from the financial institution's teller machine, if the financial company linked to the virtual account of the member and the financial company of the teller machine are different from each other, Minus the amount including the withdrawal amount in the consolidated account linked to the member's virtual account, plus the amount corresponding to the withdrawal amount in the consolidated account linked to the financial company of the deposit and withdrawal machine, and adds to the member's virtual account Negatively recording an amount including the withdrawal amount; (C) the financial service providing server transmitting information to the teller machine to approve to pay cash from an integrated account linked to the financial company of the teller machine; And (D) requesting a transfer of the settlement difference between integrated accounts by calculating the transfer history between integrated accounts for each financial company recorded in each of the integrated accounts by the financial service providing server when a predetermined settlement time is reached. It is characterized by.

Hereinafter, a method of providing a financial service between virtual accounts using an integrated account according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram of a financial service between virtual accounts using an integrated account according to an embodiment of the present invention.

As shown in FIG. 1, financial services between virtual accounts using an integrated account according to the present invention include a plurality of terminals 100-1 to 100-n, a plurality of financial servers 200-1 to 100-m, and financial services. It includes a service providing server 300, a mobile communication server 400, an affiliated store 500, a value-added network (VAN) company 600, and a network 700 connecting them to each other.

The plurality of terminals 100-1 to 100-n are members of registered members in the financial service providing server 300, and are capable of receiving a Short Message Service (SMS), and are mobile communication servers through a wireless Internet network or a wireless telephone network. General terminals 100-1 to 100-n that can be connected to 400 are used.

The plurality of financial servers 200-1 to 100-m are bank servers, Saemaul safe bank servers, and mutual credit box servers that are linked to the financial service providing server 300, and each financial server 200-1 to 100-m. One by one integrated account is opened in connection with the financial service providing server 300.

The financial service providing server 300 manages virtual accounts respectively associated with the terminals 100-1 to 100-n of the members, and integrated accounts respectively associated with the plurality of financial servers 200-1 to 100-m. It provides financial services such as purchase payment, remittance, and cash withdrawal to members. Here, the integrated accounts are opened one by one financial server (200-1 to 100-m).

In a preferred embodiment, the financial service providing server 300 may be a system integratedly managed in connection with a plurality of financial servers 200-1 to 100-m, and each financial server 200-1 to 100-m. It may be a system that is managed separately in conjunction with each other.

The mobile communication server 400 transmits the information and the terminal number input from the terminals 100-1 to 100-n of the members to the financial service providing server 300, and the SMS transmitted from the financial service providing server 300. To the terminals 100-1 to 100-n of the members.

Merchant 500 is a merchant registered in the financial service providing server 300, the terminal number through the terminal (for example, credit card terminal) provided in each merchant 500 when members use the purchase payment service The purchase item, the payment amount, etc. are transmitted to the financial service providing server 300 through the VAN company 600, and upon receipt of payment, a receipt is issued to the member.

2 is a block diagram showing the configuration of a financial service providing server using a terminal according to an embodiment of the present invention.

As shown in FIG. 2, the financial service providing server 300 according to the present invention includes a financial service managing unit 310 and a database unit 320, wherein the financial service managing unit 310 includes a member and a virtual account managing unit ( 311), the linked financial company information management unit 312, integrated account management and settlement unit 313, and merchant information management unit 314, the database unit 320 is a member and virtual account database 321, linked financial company database 322, an integrated account database 323, and a merchant database 324.

The financial service manager 310 manages member information, virtual account information, linked financial company information, integrated account information, and merchant information so that members can use financial services such as purchase payment, remittance, and cash withdrawal using a terminal number. It also functions to settle the transfer history of consolidated accounts registered one by one at each financial institution when the settlement time (eg, the end of each month) is set in advance.

The member and virtual account manager 311 manages member information such as a terminal number and personal information of an account registered member, and virtual account information such as a password, transaction date and time, transaction type, transaction amount, and balance.

The linked financial company information management unit 312 functions to manage information of financial companies linked to an integrated account for providing financial services such as purchase settlement, remittance and cash withdrawal.

The integrated account management and settlement unit 313 manages the information of the integrated account, which is a real account registered with each financial company, and transaction details such as transaction date and time, transaction integration account, and transaction amount. For example, when the end of the month is reached, the transfer history recorded in the integrated account database 323 may be arranged and settled among the integrated accounts.

Merchant information management unit 314 functions to manage the merchant information, such as trade name, business type, trading goods, etc. of the merchants 500 that the member can use the purchase payment service using the terminal number, where the merchants 500 Are each associated with a virtual account.

The database unit 320 functions to store member information, virtual account information, linked financial company information, integrated account information, and merchant information.

The member and virtual account database 321 functions to store member information such as terminal number and personal information, and virtual account information such as virtual account number, password, transaction date and time, transaction type, transaction amount and balance.

The linked financial company database 322 functions to store information of financial companies linked to the integrated account.

The integrated account database 323 functions to store the information of the integrated account, which is a real account registered with each financial company, and transaction details such as transaction date and time, transaction integration account, and transaction amount.

The affiliate store database 324 functions to store affiliate store information such as trade names, industry types, and trade items of the affiliate stores 500 used by the members.

3 is a relationship diagram between a financial company, an integrated account and a virtual account according to an embodiment of the present invention.

As shown in FIG. 3, the financial service providing server 300 according to the present invention includes an integrated account registered with each financial company one by one. For example, an A financial institution integrated account 323a is opened at A financial institution 200-1, a B financial institution integrated account 323b is opened at B financial institution 200-2, and a C financial institution 200-3 is opened. ) C financial institution integrated account (323c) is opened. Here, the A financial institution integrated account 323a, the B financial institution integrated account 323b, and the C financial institution integrated account 323c are actual accounts, and transfers can be made between the integrated accounts 323a, 323b, and 323c through a common bank network. .

In addition, the financial service providing server 300 according to the present invention includes a plurality of virtual accounts, each linked to one integrated account. For example, a plurality of A financial company virtual accounts 321a-1 to 321a-n are linked to the A financial institution integrated account 323a, and a plurality of B financial company virtual accounts 321b-1 to the B financial institution integrated account 323b. 321b-m) is linked, and a plurality of C financial company virtual accounts 321c-1 to 321c-k are linked to the C financial company integrated account 323c. Here, the A financial company virtual accounts 321a-1 to 321a-n, the B financial company virtual accounts 321b-1 to 321b-m, and the C financial company virtual accounts 321c-1 to 321c-k are associated with the member terminal numbers, respectively. It is a virtual account linked to an integrated account, not an actual account opened at a financial institution.

In an embodiment, the virtual account number according to the present invention may use the terminal number of the member, or may use an identification number associated with the terminal number of the member.

In a preferred embodiment, the financial company of the virtual account according to the present invention is preferably selected as the member's main bank. In this case, when a member deposits into an integrated account for membership registration or virtual account recharge, the transaction becomes inter-party transaction and the transfer fee is very low or free.

When explaining the embodiments of the financial services, such as purchase payment, remittance and cash withdrawal using the financial service providing server 300 according to the present invention as described above.

In the first embodiment, when a member uses the purchase payment service and the member's financial company (for example, A financial company) and the merchant's financial company (for example, A financial company) are the same, the member pays for the purchase of goods. The transfer is made from the member's A bank account to the merchant's A bank account. In this case, since it is a transaction between parties, the fee charged to the member or the merchant is very cheap or free. In addition, since the financial service providing server only needs to update the member's A financial company virtual account database and the merchant's A financial company virtual account database, there is no change in the balance of the A financial company integrated account. In other words, since the transactions between the actual accounts of the financial companies do not occur, the financial company server does not process the transfer.

In the second embodiment, when the member uses the purchase payment service and the member's financial company (for example, B financial company) and the merchant's financial company (for example, B financial company) are different from each other, the member pays for the purchase of goods. This member's bank account is transferred from the member's A bank account to the merchant's bank account B. In this case, if the transaction is recorded in another transaction, but the transfer history is recorded in the A financial company integrated account database and the B financial company integrated account database on the financial service providing server, the balance of the real financial accounts A financial company integrated account and the B financial company integrated account There is no change. That is, since transactions between financial accounts of financial companies do not occur, the financial company server does not perform a transfer process, and a member or merchant does not incur a fee for using the services of the financial company. On the other hand, the transfer records recorded in the consolidated account database are used for settlement between consolidated accounts when the preset settlement time (eg, the end of each month) is reached.

In a third embodiment, a member uses a remittance service and the member's financial company (e.g., A financial company) and the financial company of the payee (where the payee is also a member of the financial service providing server according to the present invention) (e.g., If A financial company) is the same, it is transferred from the member's A financial company virtual account to the recipient's A financial company virtual account. In this case, since it is a transaction between parties, the fee charged to the member is very cheap or free. In addition, since the financial service providing server only needs to update the member A financial company virtual account database and the recipient A financial company virtual account database, there is no change in the balance of the A financial company integrated account. In other words, since the transactions between the actual accounts of the financial companies do not occur, the financial company server does not process the transfer.

In a fourth embodiment, a member uses a remittance service and the member's financial company (e.g., A financial company) and the financial company of the payee (where the payee is also a member of the financial service providing server according to the present invention) (e.g., In the case of different B financial institutions), the transfer is made from the member's A financial company virtual account to the recipient's B financial company virtual account. In this case, if the transaction is recorded in another transaction, but the transfer history is recorded in the A financial company integrated account database and the B financial company integrated account database on the financial service providing server, the balance of the real financial accounts A financial company integrated account and the B financial company integrated account There is no change. That is, since the transactions between the actual accounts of the financial companies do not occur, the financial company server does not perform a transfer process, and the member does not incur a fee for using the services of the financial company. On the other hand, the transfer history recorded in the consolidated account database is used for settlement between the consolidated accounts when the predetermined settlement time (for example, the end of each month) is reached.

In a fifth embodiment, if a member uses a cash withdrawal service and the member's financial institution (for example, A financial company) differs from the financial institution of the teller machine with which the cash machine is withdrawn (for example, B financial company) Withdraw cash from a financial institution's virtual account. In this case, although it is another withdrawal, the transfer history of transferring the amount withdrawn from the financial institution providing account database and the financial institution integrated account database from the financial service providing server is recorded, and if the cash is withdrawn from the financial institution integrated account, the member is You will withdraw cash from your account. In other words, because it is a transaction between parties, the fee charged to the member is very cheap or free. On the other hand, the transfer history recorded in the consolidated account database is used for settlement between the consolidated accounts when the predetermined settlement time (for example, the end of each month) is reached.

As can be seen in the above-described embodiments, the financial service providing server 300 according to the present invention, when a member uses financial services such as purchase payment, remittance, and cash withdrawal, the service fee of the financial company is very high. Can be saved.

In addition, the financial service providing server 300 according to the present invention, when the settlement time (eg, the end of each month) is set in advance, the transfer history recorded in the financial services such as purchase payment, remittance and cash withdrawal between the integrated accounts After the settlement, transfers between integrated accounts that are actual accounts are performed as much as the settlement difference, so the number of transfers between real accounts is greatly reduced. Therefore, the cost burden for server construction, maintenance and management of financial companies can be reduced, and the fees for other transfers can be reduced.

4 is a flowchart illustrating a method of providing a financial service between virtual accounts using an integrated account according to an embodiment of the present invention.

As shown in FIG. 4, in the method of providing a financial service between virtual accounts using the integrated account according to the present invention, the financial service providing server receives a terminal number, personal information, transaction financial company, etc. according to membership from the member (S100).

The financial service providing server performs a predetermined authentication procedure (for example, identity verification with a name and social security number), and then opens a virtual account of the financial company of the member who has subscribed (S110).

When the virtual account is opened, the financial service providing server transmits the member's virtual account number and the integrated account number associated with the virtual account number to a terminal, a PC, a notebook, etc. which are being used at the time of membership registration (S120).

When a predetermined amount is deposited from the member to the integrated account number of the financial company, the financial service providing server charges the member's virtual account by the amount (S130). In this case, the financial service system may charge the virtual account of the member with a predetermined point or cash according to membership or deposit as a bonus.

Thereafter, the financial service providing server is selected from the financial services such as purchase settlement service, remittance service and cash withdrawal service from the member (S140).

If, in step S140, the member selects the purchase settlement service (S151), the financial service providing server provides the purchase settlement service to the member, and records the transfer history in the integrated account of the financial companies and the virtual account of the member and the merchant. (S152).

On the other hand, in step S140, when the member selects the transfer service (S161), the financial service providing server provides the transfer service to the member, and records the transfer history in the integrated account and the virtual account of the member (S162).

On the other hand, in step S140, when the member selects the cash withdrawal service (S171), the financial service providing server provides the cash withdrawal service to the member, and records the transfer history in the integrated account of the financial institutions and the virtual account of the member ( S172).

In addition to providing the financial service as described above, the financial service providing server checks whether the settlement time (for example, the end of each month) has been reached (S180).

If the settlement time is not reached, the financial service providing server continuously provides the financial services as described above to the member.

On the other hand, when the settlement time is reached, the financial service providing server settles the transfer details of the integrated accounts recorded in the financial services such as purchase payment, remittance and cash withdrawal, and transfers the integrated accounts which are actual accounts as much as the settlement difference. (S190).

5A is a diagram illustrating the overall signal flow of a method for providing a purchase settlement service between virtual accounts using an integrated account according to the first embodiment of the present invention, and FIG. 5B is a view of using the integrated account according to the first embodiment of the present invention. In a method of providing a purchase payment service between virtual accounts, a screen of a terminal is illustrated, and FIG. 5C shows a purchase account and a payment service between a virtual account using an integrated account according to a first embodiment of the present invention. This is a diagram showing the transfer history recorded in the, it is a method of providing a purchase payment service when the financial company of the member and the merchant is different.

5A to 5C, the A financial company virtual account member 100-1 purchases an object (eg, a novel book) from a B financial company virtual account affiliated store 500-1 (eg, a bookstore). After that, the payment is requested (S152-1).

At this time, the owner or clerk of the affiliated store 500-1 inquires the terminal number to the member 100-1, and the terminal number of the member 100-1 to the terminal (for example, a credit card terminal), the amount of goods, and the like. Input it and transmit it to the financial service providing server 300 (S152-2).

When the terminal number of the member 100-1, the amount of goods, etc. are transmitted, as shown in the first screen of FIG. 5B, the financial service providing server 300 includes a payment terminal number, a merchant, a purchase item, a payment amount, and the like. The purchase information is transmitted and a password input is requested (S152-3).

When the member 100-1 checks the purchase information and inputs a password (S152-4), the financial service providing server 300 determines whether the password is authenticated, and when it is authenticated, as shown in FIG. 5C. Likewise, the transfer history is recorded in the A financial company integrated account, the B financial company integrated account, the A financial company virtual account of the member 100-1 and the B financial company virtual account of the affiliate 500-1, respectively (S152-5), and the merchant ( 500) The payment approval information is transmitted to the terminal (S152-6).

When the payment approval is completed, the merchant 500-1 issues a receipt to the member 100-1 (S152-7), and the financial service providing server 300 makes a payment as shown in the second screen of FIG. 5B. Payment notification SMS such as terminal number, merchant, purchase item, payment amount, payment date and time is sent (S152-8).

In another embodiment, the purchase settlement service providing method according to the present invention may provide a purchase settlement service even when the financial company of the member 100-1 and the affiliate store 500-1 is the same. In this case, in step S152-5, the transfer history is recorded in the A financial company integrated account, the A financial company virtual account of the member 100-1, and the A financial company virtual account of the affiliate 500-1. In this case, since the A financial institution integrated account has no substantial balance change, transfers recorded in the A financial institution integrated account may be omitted.

6A is a diagram illustrating the overall signal flow of a method for providing a transfer service between virtual accounts using an integrated account according to a second embodiment of the present invention, and FIG. 6B is a virtual diagram using an integrated account according to a second embodiment of the present invention. In the method of providing a remittance service between accounts, a screen of a terminal is shown, and FIG. 6C is a method of providing a remittance service between virtual accounts using an integrated account according to a second embodiment of the present invention. As a diagram showing the transfer history, a remittance service providing method when the financial company of the member and the payee (where the payee is also a member of the financial service providing server according to the present invention) are different.

6A to 6C, the A financial company virtual account member 100-1 is connected to the terminal, and the terminal of the payee (C financial company virtual account member) 100-2 is displayed on the first screen of FIG. 6B. The number and the remittance amount are input and transmitted to the financial service providing server 300 (S162-1).

As shown in the second screen of FIG. 6B, the financial service providing server 300 transmits remittance information such as a payee name, a payee terminal number, a deposit bank, and a remittance amount to a terminal of the member 100-1, and FIG. 6B. As shown in the third screen, a password input request is made (S162-2).

When the member 100-1 checks the remittance information and inputs the password (S162-3), the financial service providing server 300 determines whether the password is authenticated, and when it is authenticated, as shown in FIG. 6C. Likewise, after the transfer history is recorded in the A financial company integrated account, the C financial company integrated account, the A financial company virtual account of the member 100-1, and the C financial company virtual account of the payee (ie, the member) 100-2 (S162-). 4), as shown in the fourth screen of FIG. 6B, sends a remittance and deposit notification SMS to the member 100-1 and the payee 100-2.

In another embodiment, the method for providing a remittance service according to the present invention may provide a remittance service even when the financial company of the member 100-1 and the payee 100-2 is the same. In this case, in step S162-4, the transfer history is recorded in the A financial company integrated account, the A financial company virtual account of the member 100-1, and the A financial company virtual account of the payee 100-2, respectively. In this case, since the A financial institution integrated account has no substantial balance change, transfers recorded in the A financial institution integrated account may be omitted.

7A is a diagram illustrating the overall signal flow of a method for providing a cash withdrawal service between virtual accounts using an integrated account according to a third embodiment of the present invention, and FIG. 7B is a view of using an integrated account according to a third embodiment of the present invention. In the method of providing a cash withdrawal service between virtual accounts, the transfer history recorded in the integrated account and the virtual account is a method of providing a cash withdrawal service when the financial company of the member and the financial company of the teller machine withdrawing cash are different.

7A and 7B, the C financial company virtual account member 100-2 may input a card (for example, a check card or a credit card) issued at the time of membership registration to the B financial company's teller machine 200-1, or Or enter the terminal number (S162-1), input the withdrawal amount and password for authentication (S162-2). The card applied to the present invention preferably includes virtual account information in addition to general card information, and the virtual account information also includes connection information to a financial service providing server according to the present invention.

The B financial company deposit and withdrawal machine 200-1 transmits the information input to the financial service providing server 300 and requests member confirmation and withdrawal approval (S162-3).

The financial service providing server 300 determines whether to be authenticated from the card information or the terminal number and the password of the member inputted from the deposit and withdrawal machine 200-1, and when authenticated, as shown in FIG. 7B, the B financial company integrated account. , Records the transfer history in the C financial company integrated account and the member C 100 of the C financial company virtual account (S162-4), and the B financial company deposit and withdrawal machine (200-1) It transmits to (S162-5).

The B financial institution deposit and withdrawal machine 200-1 withdraws cash from the B financial institution integrated account and pays it to the member 100-2 (S162-6). In this case, the financial service providing server 300 may send a cash withdrawal notification SMS to the terminal of the member.

When the settlement time arrives after completing the purchase settlement service, the transfer service and the cash withdrawal service as shown in FIGS. 5 to 7, the transfer history recorded in the integrated account of the financial service providing server 300 is shown in FIG. It will be written as the table at the top of 7b.

In this case, KRW 30,000 should be transferred from the A financial company integrated account to the B financial company integrated account, KRW 50,000 should be transferred from the A financial company integrated account to the C financial company integrated account, and 50,000 KRW from the C financial company integrated account to the B financial company integrated account. You must transfer.

However, the method for providing financial services according to the present invention is offset by fifty thousand won of the A financial institution integrated account to be transferred by the C financial company integrated account and 50,000 won to the B financial company integrated account to be transferred, thereby offsetting the B financial company from the A financial company integrated account. Once you transfer 80,000 won to the consolidated account, all financial transactions are completed.

In other words, the transfer fee between the other banks due to the use of the financial company service is paid only once, not three times, so that the fee can be given to the member as a benefit, and the server of the financial company can be established and maintained by reducing the number of transfers between the actual accounts. Reduced management costs

In the above-described embodiments, the case of three transfers is described, but the financial service system and method between virtual accounts using the integrated account according to the present invention can be applied to the case of more financial companies and more transfers. It will be apparent to those skilled in the art who are typically skilled in the art to provide more effective financial services than the case.

In another embodiment, a financial service system and method between virtual accounts using an integrated account according to the present invention may also provide a direct debit service. If the member subscribes to the A financial company's virtual account and the mobile carrier subscribes to the B financial company's virtual account, the member's mobile telecommunications charges are transferred to the member's A financial company's virtual account, the mobile company's B financial company, This can be recorded in the A financial institution integrated account and the B financial institution integrated account.

Although the present invention has been described above, this is only one embodiment, and various changes and modifications can be made without departing from the spirit and scope of the present invention to those skilled in the art. will be. However, it will be confirmed through the claims that such changes and modifications fall within the scope of the present invention.

As described above, the method of providing a financial service between virtual accounts using the integrated account according to the present invention only records the transfer history of the virtual account and the integrated account when the member uses the financial services such as purchase payment and remittance, and the actual actual account. Since there is no transaction between them, it is possible to reduce the cost burden for the server construction, maintenance and management of financial institutions.

In addition, the method of providing a financial service between virtual accounts using the integrated account according to the present invention by recording the transfer history of the virtual account and the integrated account when the member uses the financial services such as purchase payment, remittance, and cash withdrawal transaction as another transaction, Since it is a transaction between parties, it is also possible to reduce the fees incurred in using members' financial services.

In addition, the financial service providing method between the virtual accounts using the integrated account according to the present invention, because the financial company does not manage a plurality of small customers, only one integrated account deposited by the members who deal with one financial company, financial company It also has the effect of reducing manpower and costs for customer management.

In addition, the method of providing a financial service between virtual accounts using the integrated account according to the present invention provides a financial service using a terminal number rather than a complex account number or a card number, so that the user is convenient to use the account number or credit card. There is also an effect that can prevent the risk of leaking numbers.

In addition, the method of providing a financial service between virtual accounts using the integrated account according to the present invention, since the user can be provided with a variety of financial services using a conventional terminal, the user does not need to purchase a separate terminal for financial services There is also.

In addition, the method of providing a financial service between virtual accounts using the integrated account according to the present invention can use a conventional credit card terminal of the merchant, the merchant does not need to purchase a separate terminal.

Claims (6)

In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between the virtual accounts of the members, the sales member in the virtual account of the purchasing member. As a way to transfer your payments to your virtual account, (A) receiving, by the financial service providing server, terminal information associated with the virtual account of the purchasing member and purchasing information from the terminal of the selling member; (B) the financial service providing server transmitting the purchase information to the terminal of the purchase member and requesting a password; (C) after the financial service providing server performs payment authentication using a password transmitted from the terminal of the purchasing member, the virtual account of the purchasing member and the virtual account of the selling member are respectively linked to different financial companies' integrated accounts. In the case of, the transfer history between the consolidated accounts in each of the consolidated accounts, and the settlement of the purchase member's virtual account by calculating the negative value of the purchase price corresponding to the purchase member's virtual account plus the purchase price corresponding to the purchase price settled; (D) the financial service providing server transmitting the settlement completion to the terminal of the sales member; And (E) when the predetermined settlement time is reached, the financial service providing server requesting a transfer of the settlement difference between integrated accounts by calculating transfer details between integrated accounts for each financial company recorded in each of the integrated accounts; Method of providing a financial service between virtual accounts using an integrated account, characterized in that. In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between member virtual accounts, the sales member's virtual account As a way to transfer your payment to a virtual account, (A) receiving, by the financial service providing server, terminal information associated with the virtual account of the purchasing member and purchasing information from the terminal of the selling member; (B) the financial service providing server transmitting the purchase information to the terminal of the purchase member and requesting a password; (C) after the financial service providing server performs payment authentication using the password transmitted from the terminal of the purchasing member, the virtual account of the purchasing member and the virtual account of the selling member are linked to the integrated account of the same financial company. Calculating the settlement amount by minus the corresponding purchase price in a virtual account of a purchasing member linked to the same integrated account, and calculating the plus amount of the purchase price in a virtual account of a sales member; And (D) a method for providing a financial service between virtual accounts using an integrated account, wherein the financial service providing server transmits a settlement completion to the terminal of the sales member. In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between the virtual accounts of the members, As a method of sending money to a member's virtual account, (A) receiving, by the financial service providing server, terminal information associated with the virtual account of the second member and a remittance amount from a terminal associated with the virtual account of the first member; (B) the financial service providing server transmitting the remittance information to the terminal of the first member and requesting a password; (C) after the financial service providing server performs authentication by using the password transmitted from the terminal of the first member, the virtual account of the first member and the virtual account of the second member are different from each other. In the case of being linked to each other, the transfer history between the consolidated accounts is recorded in each of the consolidated accounts, and the settlement amount is negatively recorded in the virtual account of the first member, and the settlement is performed. The remittance amount is transferred to the virtual account of the second member. Recording the amount corresponding to the plus; And (D) when the predetermined settlement time is reached, the financial service providing server requesting the transfer of the settlement difference between the consolidated accounts by calculating the transfer history between the consolidated accounts for each financial company recorded in each of the consolidated accounts; Method of providing a financial service between virtual accounts using an integrated account, characterized in that. In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between the virtual accounts of the members, As a method of sending money to a member's virtual account, (A) receiving, by the financial service providing server, terminal information associated with the virtual account of the second member and a remittance amount from a terminal associated with the virtual account of the first member; (B) the financial service providing server transmitting the remittance information to the terminal of the first member and requesting a password; And (C) after the financial service providing server performs authentication using a password transmitted from the terminal of the first member, the virtual account of the first member and the virtual account of the second member are combined in the same financial company. If the link is linked, the amount including the remittance amount is negatively recorded in the virtual account of the first member linked to the same integrated account and settled, and the amount corresponding to the remittance amount is recorded in the virtual account of the second member. Method of providing a financial service between virtual accounts using the integrated account, characterized in that it comprises the step of calculating. In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between the virtual accounts of the members, the member withdraws cash from the virtual account. As a way to, (A) Card information, password and withdrawal information including the member's virtual account information, the financial service providing server from the teller machine with the financial company received the member's card, password and withdrawal information associated with the member's virtual account Receiving a transmission; (B) if the financial company linked to the virtual account of the member and the financial company of the teller machine differ from each other after the financial service providing server performs authentication using a password transmitted from the teller machine of the financial company, the virtual of the member Minus the amount including the withdrawal amount in the consolidated account linked to the account, plus the amount corresponding to the withdrawal amount in the integrated account linked to the financial company of the deposit and withdrawal machine, and the withdrawal amount in the virtual account of the member Negatively recording an amount comprising; (C) the financial service providing server transmitting information to the teller machine to approve to pay cash from an integrated account linked to the financial company of the teller machine; And (D) if the settlement time is set in advance, the financial service providing server comprises the step of requesting the transfer of the settlement difference between the consolidated accounts by calculating the transfer history between the consolidated accounts for each financial company recorded in each of the consolidated accounts; A financial service providing method between virtual accounts using an integrated account. In a system in which a financial service providing server opens a single integrated account for each financial company, opens a virtual account of multiple members in the integrated account, and provides financial transactions between the virtual accounts of the members, the member withdraws cash from the virtual account. As a way to, (A) From the teller machine of the financial company that receives the member's terminal number, password and withdrawal information associated with the member's virtual account, the financial service providing server is connected to the terminal information, password and Receiving withdrawal information; (B) after the financial service providing server authenticates using the terminal information and the password transmitted from the financial institution's teller machine, if the financial company linked to the virtual account of the member and the financial company of the teller machine are different from each other, Minus the amount including the withdrawal amount in the consolidated account linked to the member's virtual account, plus the amount corresponding to the withdrawal amount in the consolidated account linked to the financial company of the deposit and withdrawal machine, and adds to the member's virtual account Negatively recording an amount including the withdrawal amount; (C) the financial service providing server transmitting information to the teller machine to approve to pay cash from an integrated account linked to the financial company of the teller machine; And (D) if the settlement time is set in advance, the financial service providing server comprises the step of requesting the transfer of the settlement difference between the consolidated accounts by calculating the transfer history between the consolidated accounts for each financial company recorded in each of the consolidated accounts; A financial service providing method between virtual accounts using an integrated account.

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