KR20100108026A - Method for providing financial service using virtual account - Google Patents

Method for providing financial service using virtual account Download PDF

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Publication number
KR20100108026A
KR20100108026A KR1020090026461A KR20090026461A KR20100108026A KR 20100108026 A KR20100108026 A KR 20100108026A KR 1020090026461 A KR1020090026461 A KR 1020090026461A KR 20090026461 A KR20090026461 A KR 20090026461A KR 20100108026 A KR20100108026 A KR 20100108026A
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KR
South Korea
Prior art keywords
financial transaction
virtual account
transaction service
account
customer
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Application number
KR1020090026461A
Other languages
Korean (ko)
Inventor
정현기
Original Assignee
주식회사 우리은행
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Publication date
Application filed by 주식회사 우리은행 filed Critical 주식회사 우리은행
Priority to KR1020090026461A priority Critical patent/KR20100108026A/en
Publication of KR20100108026A publication Critical patent/KR20100108026A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

PURPOSE: A method for providing a financial service by using a virtual account is provided to perform various financial transactions through a virtual account by operating a virtual account like a real account. CONSTITUTION: A virtual account server opens virtual accounts to which a real account function is allocated to each member, and provides a financial transaction service which can be used through the virtual accounts. When the use request for the financial transaction service is received from the members, the virtual account server checks the financial transaction service registered by the members through the member information stored in a management DB. The registered financial transaction service is arranged in customer terminals(S12). The selected financial transaction service is performed(S14,S16).

Description

How to provide financial transaction services using a virtual account {METHOD FOR PROVIDING FINANCIAL SERVICE USING VIRTUAL ACCOUNT}

The present invention relates to a virtual account, and more particularly, to a method of providing a financial transaction service using a virtual account that supports the use of various financial transaction services using the virtual account.

Second financial institutions (e.g., securities firms, insurance companies, comprehensive financial firms, or investment trust firms) other than the first financial institution (e.g., special banks, general banks, or local banks) that are generally easy to open accounts and / or general In order to process a Cash Management Service (CMS) and / or similar work at an institution (e.g., a construction company, a refinery or a distributor), at least one account number must be assigned at a branch of a first financial institution. 2 Financial institutions and / or general institutions used various constraints to use the sales network operated by the first financial institution.

The virtual account has been introduced as a way to overcome the problems arising in the process of providing the financial services of the existing second financial institutions and / or general institutions.

The virtual account is assigned to the bank and / or affiliated institution and linked with the mother account opened in the bank.The customer and the affiliated institution customer are affiliated with the sales network or the bank of the nationwide bank using the above virtual account. (2) Freedom to handle financial affairs through sales network or internet of financial institution and / or general institution.

The above-described technology is described for understanding the background of the present invention, and does not mean a conventional technology well known in the art.

As described above, the conventional virtual account supports the financial transactions between the customer, the bank and the affiliated institution, but in order for the affiliated institution to withdraw the amount deposited into the virtual account, the bank deposits the amount to the virtual account. Must be deposited into the parent account assigned to the affiliated institution. That is, the conventional virtual account has a problem that withdrawal of the amount deposited in the virtual account is limited.

The present invention has been made to improve the above-described problem, and relates to a financial transaction service providing method using a virtual account that supports a customer to make various financial transactions through the virtual account by operating the virtual account as a real account.

The configuration of the present invention, which is invented to achieve the above-described object, is as follows.

The financial transaction service providing method using the virtual account of the present invention, the virtual account server opens a virtual account granted the function of the real account to each member, and provides the financial transaction service available to the member through the virtual account Registering the financial transaction service; if there is a request for using the financial transaction service from the member, checking, by the virtual account server, the financial transaction service registered by the member through member information stored in a management DB; Listing to the member terminal to select a member of the registered financial transaction service; and if at least one of the registered financial transaction service is selected, the virtual account server selects the selected financial transaction service according to the member's request. Characterized in that it comprises the step of performing.

The registered financial transaction service can be arbitrarily changed and selected by the member at the time of membership registration.

The financial transaction service is characterized in that it includes bill payment, deposit and withdrawal, account transfer, direct debit.

According to the present invention configured as described above, by operating a virtual account as a real account, customers can make various financial transactions through the virtual account.

Another effect of the present invention is that the customer can conveniently perform financial transactions through the virtual account can improve the convenience of financial transactions.

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

1 is a block diagram of a financial transaction service providing system using a virtual account according to an embodiment of the present invention.

Financial transaction service providing system using a virtual account according to an embodiment of the present invention, as shown in Figure 1, a virtual account server 30, a virtual account DB 40, a parent account server 60, a mother account DB 70 And other banks 90.

First, the customer 10 opens a virtual account and registers a financial transaction service to be performed using the virtual account. Thereafter, the registered financial transaction service can be used through internet banking using a communication network, such as the Internet, phone banking using a telephone line, or an automated device or a branch of a sales office provided in a bank's sales office or a public place.

The customer 10 will include not only an ordinary individual but also an affiliated organization such as a credit card company. Therefore, the member information input at the time of membership registration or use of the financial transaction service may be different from each other depending on whether the customer is an individual or an affiliated institution.

The virtual account DB 40 has a management DB 42 and a transaction history DB 44.

The management DB 42 stores the member information of the customer registered as a member, for example, a name, a trade name, a social security number, a business registration number, an ID, a password, an address, a contact, and the like, and stores a financial transaction service registered by the customer. In addition, it stores various virtual account information related to the virtual account.

Here, the financial transaction service will include all financial transaction services performed through ordinary real accounts, such as utility bill payment, deposit and withdrawal, account transfer, direct debit, and the like.

In addition, the virtual account information includes information necessary for the use of the virtual account and information generated during the financial transaction through the virtual account, such as account number, password, opening date and time, transfer information according to the deposit and withdrawal of the virtual account.

The customer 10 selects at least one or more of the financial transaction service together with the member information at the time of membership registration, and at this time, the virtual account server 30 registers the financial transaction service selected by the customer 10. Thereafter, the virtual account server 30 allows the financial transaction service to be freely used when the financial transaction service use request is received from the customer 10.

Transaction history DB (44) stores the transaction history during the financial transaction through the virtual account.

When the customer 10 requests to use the financial transaction service using the virtual account, the virtual account server 30 checks the member registration by checking the member information stored in the management DB 42, and if it is not registered as a member Encourage membership, depending on whether you are registered.

On the other hand, if the customer is a member subscribed to the financial transaction services available to the customer through the virtual account.

Here, the method of notifying the customer of the financial transaction service is different from each other depending on the financial system used by the customer 10.

For example, if a customer uses internet banking, financial services available on the Internet screen are displayed, and if phone banking is used, voice is outputted, and an automated device is displayed on the screen of the automated device, and a sales counter is displayed. In the case of use, we display in staff terminal of branch window.

In addition, the virtual account server 30 checks whether the financial transaction service is a registered financial transaction service by querying the management DB 42 when there is a request for using the financial transaction service from the customer 10, and according to the result, the corresponding financial transaction service. Perform transaction services. Thereafter, the virtual account server 30 stores the information generated during the financial transaction through the virtual account in the management DB 42, and stores the transaction details in the transaction history DB 44.

The mother account server 60 manages the mother account at the time of deposit and withdrawal through the virtual account in connection with the virtual account server 30, and stores the transaction history of the mother account, the deposit and withdrawal history with the virtual account.

In particular, the parent account server 60 is connected to other banks 90 through the bank common network, for example, CMS common network, CD common network, and other common network to control other transactions with other banks, Store the transaction details according to the parent account DB (70).

Mother account DB (70) is the personal information for the customer who opened the mother account, for example, customer-specific information such as name, address, social security number, ID, password, trade name, business registration number, business address, etc. It stores various information generated by financial transactions through the parent account, such as other transactions with the bank 90.

Various information generated by such a financial transaction includes the details of deposit and withdrawal, depositor, withdrawal, transaction date and time, balance and transfer history. Such information is recorded in the mother account DB 70 when a financial transaction occurs through the mother account, and thus a detailed description thereof will be omitted here.

2 is a flow chart illustrating a member registration process according to an embodiment of the present invention, Figure 3 is a flow chart of a financial transaction service providing method using a virtual account according to an embodiment of the present invention.

In the member registration process according to the embodiment of the present invention, when the customer 10 requests membership registration to use a financial transaction service using a virtual account, the virtual account server 30 inputs the member information necessary for membership registration.

Accordingly, when the customer 10 inputs the member information (S10), the virtual account server 30 lists the financial transaction list available through the virtual account in the terminal of the customer 10 (S12).

The customer 10 selects at least one financial transaction list displayed through his terminal. In this case, the financial transaction list can be arbitrarily selected by the customer 10 according to his or her intention. In addition, the financial transaction list may be different from each other depending on whether the customer 10 is an individual customer or an affiliated institution such as an enterprise.

On the other hand, when the customer selects the financial transaction service to use from the financial transaction list, the virtual account server 30 stores the financial transaction service selected by the customer 10 in the management DB 42 to register (S14).

When the financial transaction service registration is completed, the virtual account server 30 registers the customer 10 as a member (S16).

As such, when the customer 10 is registered as a member, the customer 10 uses the financial transaction service in the following order. At this time, the available financial transaction service is limited to the financial transaction service registered by the customer 10 at the time of membership registration. However, the customer 10 may be able to arbitrarily change the registered financial transaction service.

Financial transaction service providing method using a virtual account according to an embodiment of the present invention, the first customer (10) to use the financial transaction service, the member information required for using the financial transaction service through the Internet banking, phone banking, automated devices or branch window Input (S20).

When the customer requests a financial transaction service, the virtual account server 30 compares the member information with the member information previously stored in the management DB 42 and checks the user's authentication (S22).

As a result of identity verification, if the identity verification fails, that is, not registered as a member, or if there is an error in the inputted member information, it is notified that the identity verification failed (S23).

When the identity authentication is completed, the virtual account server 30 checks the registered financial transaction services stored in the management DB 42 and lists the list of financial transaction services registered by the customer 10.

Thereafter, when the customer 10 selects any one of the listed financial transaction services (S26), the customer 10 performs the financial transaction service according to the request of the customer (S28). In addition, the transaction history through the virtual account is stored in the transaction history DB (44).

Here, the financial transaction service, as described above, includes a variety of services, such as payment of bills, delinquency with other banks, deposit and withdrawal, account transfer, automatic transfer, and, if necessary, interworking with the mother account server and through the mother account server 60. Transactions with other banks 90 may be performed.

Although the present invention has been described with reference to the embodiments shown in the drawings, it is merely exemplary and various modifications and equivalent other embodiments are possible to those skilled in the art. Will understand. Therefore, the true technical protection scope of the present invention will be defined by the claims.

1 is a block diagram of a financial transaction service providing system using a virtual account according to an embodiment of the present invention.

2 is a flowchart illustrating a member registration process according to an embodiment of the present invention.

3 is a flow chart of a financial transaction service providing method using a virtual account according to an embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

30: virtual account server 40: virtual account DB

42: management DB 44: transaction history DB

60: mother account server 70: mother account DB

Claims (4)

Opening, by the virtual account server, a virtual account to which each member is given a function of a real account, and providing the member with the financial transaction service available through the virtual account to register the financial transaction service; Checking, by the virtual account server, the financial transaction service registered by the member through the member information stored in the management DB when the member requests a use of the financial transaction service from the member; Listing to the client terminal the member to select the registered financial transaction service; If at least one of the registered financial transaction services is selected, performing the selected financial transaction service in response to the request of the member in the virtual account server. The method of claim 1, wherein the registered financial transaction service is arbitrarily changed. The method of claim 1, wherein the registered financial transaction service is selected by the member at the time of membership registration. The method of claim 1, wherein the financial transaction service includes payment of utility bills, deposit and withdrawal, account transfer, and direct debit.
KR1020090026461A 2009-03-27 2009-03-27 Method for providing financial service using virtual account KR20100108026A (en)

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KR1020090026461A KR20100108026A (en) 2009-03-27 2009-03-27 Method for providing financial service using virtual account

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KR1020090026461A KR20100108026A (en) 2009-03-27 2009-03-27 Method for providing financial service using virtual account

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015101228A1 (en) * 2013-12-31 2015-07-09 Tencent Technology (Shenzhen) Company Limited Method, device and system for performing transactions
KR20160149596A (en) 2015-06-18 2016-12-28 주식회사 우리은행 Method for providing financial service using virtual account

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2015101228A1 (en) * 2013-12-31 2015-07-09 Tencent Technology (Shenzhen) Company Limited Method, device and system for performing transactions
KR20160149596A (en) 2015-06-18 2016-12-28 주식회사 우리은행 Method for providing financial service using virtual account

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