KR20120046567A - System and method for dealing cash withdrawing using of virtual account - Google Patents

Abstract

PURPOSE: A system for providing a cash withdrawal transaction service using a virtual account and a method thereof are provided to offer member store information to a user terminal in real time based on the current location of a user. CONSTITUTION: A member store terminal(300) transmits customer attracting information to a gathering management device(200). The member store terminal stores member store reservation information received from the gathering management device. When a request signal for virtual account transfer from the gathering management device, a virtual account device(400) authenticates a user terminal(100). The virtual account device transfers withdrawal money to a virtual account of the member store from the virtual account of a user.

Description

System and method for providing cash withdrawal transaction service using virtual account {System and Method for dealing cash withdrawing using of virtual account}

The present invention relates to a system and a method for providing a cash withdrawal transaction service using a virtual account. More particularly, when a user terminal requests an affiliate store cash withdrawal service to a meeting management device, the meeting management device corresponds to the affiliate store cash withdrawal service request. Accordingly, the virtual account transfer request signal including the user terminal number, the merchant terminal number and the withdrawal amount is transmitted to the virtual account device, the virtual account device performs authentication of the user terminal, and if the authenticated user, the merchant in the user's virtual account The present invention relates to a cash withdrawal transaction service providing system and method using a virtual account that transfers the withdrawal amount to a virtual account of the account and, as a result, transfers the account transfer history information to the user terminal and the merchant terminal.

In modern society, not only primary industries such as agriculture and fisheries or secondary industries such as manufacturing industries, but also service industries such as culture, leisure and food service using the human brain are in the spotlight.

Moreover, since human diet is the most basic and essential element of human survival, there have been many developments and changes in the diet in modern times.

In general, service industries, such as catering, develop mainly in communities or by industry. As a result, many restaurant operators have devised a variety of ways to attract customers to survive the fierce competition.

For example, there are means for distributing discount coupons free to customers who use their own restaurants or ordering food for free to customers who visit a predetermined number of times by providing mileage coupons.

Such means are not limited to the catering business, but are used in various ways from the point of view of a store owner who wants to sell clothing and other goods.

Also, in recent years, according to the development of communication technology, merchants related to the current location of the terminal transmit discount coupons, etc., to the customer terminal based on the current position of the terminal, and the user of the terminal uses the received discount coupon. By visiting the affiliated store and presenting a discount coupon sent to the user's terminal to the affiliated store can obtain a discount.

In the case of a customer who is going to visit a merchant, competitively attracting information of a merchant that provides discount events or free services that meets the customer's current conditions (current location, distance traveled, number of people, visit time, discount conditions, etc.) It would be advantageous to obtain the real time and to select a merchant with better conditions. However, when receiving only discount coupons unilaterally transmitted from a particular merchant, there is a limit in selecting the most advantageous merchant from the customer's position. Therefore, even though there is a desire to acquire all the information of affiliates who want to visit based on their current location, the customer position does not have a system that can satisfy such desires.

In addition, after the customer selects the appropriate merchant and makes a reservation, there is no system for notifying the reservation status, so the customer who made the reservation has to notify the friends who are related to them directly by phone.

In addition, when customers go to the second meeting place after the first meal, etc. at the merchant, there is often a need for cash, at this time there is a hassle to go to a cash machine nearby.

The present invention has been made to solve the above problems, an object of the present invention is to provide the merchant information in real time based on the location information where the user is currently located to the user terminal according to the request of the merchant information of the user, or the merchant is a customer By providing information on discounts and mileage usage, etc. to attract users to the user terminal, a virtual account that allows a user to select a merchant to visit or recommend an optimal merchant among multiple merchants near the user's location. To provide a cash withdrawal transaction service providing system and method.

Another object of the present invention is when the user executes a merchant reservation or after the reservation, when requesting the merchant cash withdrawal service using a virtual account transfer to the meeting management device, the meeting management device to request the terminal number, withdrawal amount and merchant terminal number of the requester; The present invention provides a system and a method for providing a cash withdrawal transaction service using a virtual account, which allows the user to receive cash at the affiliated store through the authentication process by transmitting to the virtual account device.

According to an aspect of the present invention to achieve the above objects, by sending an affiliated store information request signal including consumption items to the meeting management device to receive the recommended affiliated store information, the reservation of the affiliated store selected by the user from the recommended affiliated store information; A user terminal requesting an affiliated store cash withdrawal service to the meeting management device, and when an affiliated store information request signal is received from the user terminal, extracting affiliated stores handling the consumption item near the current location of the user; Selecting a recommended affiliate store based on the extracted customer attraction information of the affiliated stores and transmitting the recommended affiliate store information to the user terminal, and completing the reservation of the affiliate store according to the affiliate store reservation request from the user terminal, thereby completing the reservation information. Affiliation to and from the user terminal Meeting management device for transmitting a virtual account transfer request signal including a user terminal number, merchant terminal number and withdrawal amount to the virtual account device in response to a cash withdrawal service request, merchant information according to a request for customer invitation information from the meeting management device; A merchant terminal for transmitting customer attraction information including price and discount information to the meeting management device and storing affiliate store reservation information from the meeting management device, and when a virtual account transfer request signal is received from the meeting management device. Authenticating a user terminal, and in the case of an authenticated user, transfers the withdrawal amount from the user's virtual account to the merchant's virtual account, and as a result, transfers the account transfer history information to the user terminal and the merchant terminal. A system for providing a cash withdrawal transaction service using a virtual account including a device is provided.

The system for providing a cash withdrawal transaction service using the virtual account may further include an LBS device that detects a current location of the user terminal and provides the meeting management device.

According to another aspect of the present invention, a communication interface unit for performing communication over a communication network, a database storing affiliated store information and affiliated store reservation information, and a merchant information request signal including consumption items from a user terminal through the communication interface unit is received. In this case, an affiliated store extracting unit extracting affiliated stores handling the consumer goods in the vicinity of the current location of the user, requesting and receiving customer attraction information from each affiliated store terminal of the extracted affiliated stores, and selecting a recommended affiliated store based on the customer attraction information. A recommendation merchant selection unit that selects and transmits the recommendation merchant information to the user terminal through the communication interface unit; and when the merchant reservation request signal including the merchant reservation information is received from the user terminal, the merchant reservation information is transmitted to the database. Same as bin Merchant reservation processing unit for processing the reservation of the merchant to send to the merchant terminal, if the merchant cash withdrawal service request signal containing the withdrawal amount received from the user terminal, includes the user terminal number, merchant terminal number and withdrawal amount There is provided a meeting management apparatus including a virtual account transfer request processing unit for transmitting a virtual account transfer request signal to a virtual account device.

The affiliated store reservation information may include at least one of a reservation date, a representative participant name and phone number, the number of attendees, and a participant phone number for the affiliated store selected by the user.

The affiliated store extractor may determine a current location of the user terminal through an LBS device or receive information on the current location from the user terminal to determine a current location of the user terminal.

The recommendation affiliate selection unit selects a recommendation affiliate based on a value obtained by calculating a specific weight on a score of the recommendation selection criteria item, and the recommendation selection criteria item includes a price, a discount content, a cumulative number of recommendations, and a visit welcome time. .

The meeting management device may further include a reservation notification unit for notifying the affiliated store reservation to a corresponding user terminal before a predetermined period or a reservation date based on the affiliated store reservation information stored in the database.

According to another aspect of the present invention, a user interface number, merchant terminal number and withdrawal amount from a meeting management device or a merchant terminal through a communication interface unit for performing communication through a communication network, a database storing virtual account information, the communication interface unit When an account transfer request signal is received, the authentication unit performing user authentication using the user terminal number, and if the authenticated user, mapped to the merchant terminal number in the virtual account mapped to the user terminal number There is provided a virtual account apparatus including a virtual account transfer processing unit for transferring the withdrawal amount to a virtual account and transmitting the account transfer history information to the user terminal and the affiliated store terminal.

When the virtual account is requested to open a virtual account from the user terminal through the communication interface, the virtual account device opens a virtual account by mapping the user terminal number and the deposit amount and stores the virtual account information in the database. It may further include wealth.

The authentication unit transmits an authentication request message to the user terminal, and determines that the user is an authenticated user when authentication confirmation information is received.

The virtual account transfer processor determines whether the virtual account can be transferred by comparing the balance of the virtual account and the withdrawal amount of the user terminal number, and if the account transfer is possible, the merchant terminal number in the virtual account mapped with the user terminal number. The withdrawal amount is transferred to the virtual account mapped to and if the transfer is impossible, the virtual account transfer impossible message is transmitted to the user terminal.

The database stores the virtual account information to which the balance for each user terminal number and the amount for each merchant terminal number are mapped.

According to another aspect of the present invention, when an affiliated store information request command including a consumption item is input, extracting affiliated stores handling the consumed item near a current location and recommending based on customer attraction information of the extracted affiliated stores. After selecting the affiliated store, the reservation process of the affiliated store is processed according to a reservation request of an affiliated store selected by the user from among the selected recommended affiliated stores, and when a cash withdrawal service is requested from the reserved affiliated store, its own terminal number and affiliated store A user terminal that transmits a virtual account transfer request signal including a terminal number and a withdrawal amount to a virtual account device, and when a virtual account transfer request signal is received from the user terminal, performs authentication of the user terminal and authenticates the user. If the user withdraws the debit amount from the user's virtual account to the merchant's virtual account, the As a result, there is provided a cash withdrawal transaction service providing system using a virtual account including a virtual account device for transmitting the account transfer history information to the user terminal and the merchant terminal.

According to another aspect of the invention, the communication unit for performing the communication through the communication network, merchant information and merchant reservation information is stored database, an input unit for receiving a user command, the merchant information request command including a consumption item through the input unit If input, the position estimator for estimating the current position, the merchant extracting unit for searching the database to extract the merchants handling the consumer goods in the vicinity of the estimated position, the recommendation based on the customer attraction information of the extracted merchants Selecting an affiliated store, and recommending the merchant selection unit for outputting the information of the selected recommended merchants, if the merchant reservation request command for the reservation of the merchants selected by the user from among the recommended recommended merchants is entered, the merchant reservation information Affiliation is stored at the same time as the database Merchant reservation processing unit for processing the reservation of the merchant by sending to the terminal, if the cash withdrawal service is requested at the reserved merchant, the virtual account transfer request signal including their terminal number, merchant terminal number and withdrawal amount is virtual A user terminal including a virtual account transfer request processing unit for transmitting to an accounting apparatus is provided.

The user terminal may further include a virtual account opening request unit for requesting a virtual account to open a virtual account using a terminal number and depositing a predetermined amount of money into the virtual account.

According to another aspect of the present invention, (a) when the meeting management device receives the affiliate store information request signal from the user terminal, extracts the affiliate stores handling the consumer goods near the current location of the user, the extracted affiliate store Requesting customer attraction information to each affiliated store terminal of the customer; (b) transmitting the customer attraction information including the affiliated store information, price, and discount to the meeting management device according to each affiliated store terminal requesting the customer attraction information; c) the meeting management device selecting a recommended affiliate store based on customer attraction information from the affiliated store terminal and transmitting the recommended affiliate store information to the user terminal; and (d) the user terminal by the user in the recommended affiliate store information. Transmitting an affiliated store reservation request signal for reservation of a selected affiliated store to the meeting management device, (e) the meeting hall Storing the affiliated store reservation information included in the affiliated store reservation request signal and transmitting the same to the corresponding affiliated store terminal to process reservation of the affiliated store; (f) the meeting management device with the affiliated store cash withdrawal service from the user terminal; If requested, transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device, (g) the virtual account device performing authentication of the user terminal and authenticating the user If, In the virtual account mapped to the user terminal number mapped to the virtual account mapped to the merchant terminal number and the withdrawal amount, and as a result of the transfer account transfer history information to the user terminal and merchant terminal; A cash withdrawal transaction service providing method using a virtual account is provided.

In the method of providing a cash withdrawal transaction service using the virtual account, before the step (a), the user terminal requests the virtual account device to open a virtual account, the virtual account device according to the request for opening the virtual account, The method may further include opening a virtual account by mapping the user terminal number and the deposit amount.

According to another aspect of the present invention, in a method for providing a cash withdrawal transaction service using a virtual account, the meeting management device, when a merchant information request signal including consumption items is received from the user terminal, the current user's current Extracting merchants handling the consumption items in the vicinity of the location, requesting and receiving customer attraction information from each of the extracted merchant terminals, selecting a recommended merchant based on the customer attraction information from each of the merchant terminals; Transmitting the recommended affiliate store information to the user terminal, and when the affiliate store reservation request signal including the affiliate store reservation information is received from the user terminal, storing the affiliate store reservation information and transmitting the same to the corresponding affiliate store terminal to reserve the affiliate store; Processing, and transmits reservation completion information to the user terminal. In the step, when the merchant cash withdrawal service request signal containing the withdrawal amount from the user terminal is received, transmitting a virtual account transfer request signal including the user terminal number, merchant terminal number and withdrawal amount to the virtual account device; A cash withdrawal transaction service providing method using a virtual account is provided.

According to another aspect of the invention, the virtual account device in the method for providing a cash withdrawal transaction service using a virtual account, (a) from the meeting management device account transfer including the user terminal number, merchant terminal number and withdrawal amount When the request signal is received, transmitting an authentication request message to the user terminal number to perform authentication of the user terminal; (b) when the user terminal is authenticated, the affiliate store in the virtual account mapped to the user terminal number; A method of providing a cash withdrawal transaction service using a virtual account, comprising: transferring the withdrawal amount to a virtual account mapped to a terminal number; and (c) transmitting the account transfer history information to a user terminal and a merchant terminal. do.

The method for providing a cash withdrawal transaction service using the virtual account may further include opening a virtual account by mapping a corresponding user terminal number and a deposit amount when a virtual account opening request is made from the user terminal.

In step (a), if the user terminal is not an authenticated user, an authentication failure message is transmitted to the user terminal.

In the step (b), it is determined whether the virtual account can be transferred by comparing the balance of the virtual account mapped to the user terminal number and the withdrawal amount, and if the transfer is possible, the virtual account mapped to the user terminal number. In the step of the bank account transfer the withdrawal amount to the virtual account mapped to the merchant terminal number.

Transmitting the virtual account transfer impossible message to the user terminal when the account transfer is impossible, and when the deposit request including the deposit amount information is received from the user terminal, the amount requested to be deposited in the virtual account of the user terminal; And depositing, and transmitting the deposit details information to the user terminal.

According to another aspect of the present invention, when the user terminal receives a command for requesting merchant information including consumption items, extracting merchants handling the consumer goods near the current location, and extracting customer attraction information of the extracted merchants. Selecting a recommendation merchant based on the reference; when an affiliated store reservation request command for reservation of an affiliated store selected by the user from among the recommended affiliated stores is input, the user terminal stores the affiliated store reservation information and transmits the same to the corresponding affiliated store terminal; Completing the reservation, the user terminal requesting the merchant cash withdrawal service to the reserved merchant terminal, the merchant terminal according to the merchant cash withdrawal service request the user terminal number, merchant terminal number and withdrawal amount Virtual account transfer request signal containing the virtual And transmitting the withdrawal amount to the virtual account mapped to the affiliated store terminal number in the virtual account mapped to the user terminal number when the virtual account device performs authentication of the user terminal and is an authenticated user. There is provided a method for providing a cash withdrawal transaction service using a virtual account, comprising the step of transferring, and as a result, transmitting the account transfer history information to the user terminal and the merchant terminal.

According to another aspect of the present invention, in a method for enabling a user terminal to withdraw a cash transaction using a virtual account, (a) when a merchant information request command including consumption items is input by a user, Estimating, (b) retrieving previously stored databases and extracting franchisees handling the consumer goods from among the franchisees within a predetermined range from the estimated position; and (c) based on the customer attraction information of the extracted franchisees. Selecting a recommendation merchant as a step (d) when an affiliated store reservation request command for reservation of an affiliated store selected by the user from among the selected recommended affiliated stores is entered, storing the affiliated store reservation information in the database and simultaneously sending the corresponding affiliated store terminal to the corresponding affiliated store terminal; Completing the reservation of the affiliated store by transmitting (e) a cash advance at the reserved affiliated store; When the withdrawal service is requested, transmitting the virtual account transfer request signal including the terminal number, the merchant terminal number, and the withdrawal amount to the virtual account device, and as a result, receiving the account transfer history information from the account transfer device. A cash withdrawal transaction service providing method using a virtual account is provided.

The method for providing a cash withdrawal transaction service using the virtual account may further include requesting the virtual account device to open a virtual account using a terminal number, and depositing a predetermined amount of money into the virtual account.

According to another aspect of the present invention, by sending a merchant information request signal including a consumption item to the meeting management device to receive customer attraction information from a plurality of merchant terminal, and selects a merchant based on the received customer attraction information A user terminal requesting a reservation of an affiliated store selected from the selected affiliated stores and requesting an affiliated store cash withdrawal service to the affiliated store terminal; and when an affiliated store information request signal is received from the user terminal, the current location of the user A meeting management device extracting affiliated stores handling the consumer goods in the vicinity and transmitting a customer attraction information request signal including a user terminal number to each affiliated store terminal of the extracted affiliated stores, and a customer attraction information request signal from the meeting management device; Is received, including merchant information, price, discount details Send customer attraction information to the user terminal, execute a meeting reservation according to the affiliate store reservation request from the user terminal, transmit reservation completion information to the user terminal, and request a merchant cash withdrawal service from the user terminal. A merchant terminal for transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device, and when a virtual account transfer request signal is received from the merchant terminal, performs authentication of the user terminal. In the case of an authenticated user, a virtual account including a virtual account device that transfers the withdrawal amount from the user's virtual account to the merchant's virtual account and, as a result, transfers the account transfer information to the user terminal and the merchant terminal. Provided is a method for providing a cash withdrawal transaction service.

According to another aspect of the present invention, a merchant information request command including a communication unit for performing communication through a communication network, an output unit for outputting information of the recommended affiliate store, an input unit for receiving a user command, the consumption item through the input unit In the case of input, the merchant information request unit for transmitting the affiliated store information request signal including the consumption item to the meeting management device to receive customer attraction information from a plurality of affiliated store terminals, and recommends based on the customer attraction information from the affiliated store terminals. If the affiliated store selection information for selecting the affiliated store and the selected affiliated store selection information to be selected from among the recommended affiliated store information output through the output unit is selected, the merchant reservation request signal including the affiliated store reservation information is selected; To the corresponding merchant terminal through the communication interface unit And, the merchant reservation request processing unit for receiving the reservation completion information from the merchant terminal, when the cash withdrawal service request from the reserved merchant, the merchant cash withdrawal service request signal including the withdrawal amount to the merchant terminal, As a result, a user terminal including a merchant cash withdrawal request processing unit for receiving the account transfer history information is provided.

The user terminal may further include a virtual account opening request unit for requesting a virtual account to open a virtual account using a terminal number and depositing a predetermined amount of money into the virtual account.

According to another aspect of the present invention, a communication unit for communicating with a user terminal, a meeting management device and a virtual account device through a communication network, a database storing merchant reservation information and cash withdrawal information, attracting customers from the meeting management device through the communication unit When the information request signal is received, the customer attraction information providing unit for providing customer attraction information including the merchant information, price, discount details to the user terminal, if the merchant reservation information is received from the user terminal through the communication unit, A merchant reservation processing unit which stores the affiliated store reservation information in the database and transmits the reservation completion information to the user terminal, and when the affiliate store cash withdrawal service request signal including the withdrawal amount is received from the user terminal, the user terminal number , Merchant terminal number and withdrawal amount There is provided a merchant terminal including a virtual account transfer request processing unit for transmitting a virtual account transfer request signal to a virtual account device, and a cash withdrawal processing unit for updating cash withdrawal information stored in the database when cash is received by a user.

According to another aspect of the present invention, when the meeting management device receives the affiliated store information request signal containing the consumption item from the user terminal, extracting the affiliated stores handling the consumption item near the current location of the user, the extraction Requesting customer attraction information to each affiliated store terminal of the affiliated stores, wherein each affiliated store terminal receives customer attraction information including the location of the affiliated store, affiliated store information, price, and discount according to the request for customer attraction information from the meeting management device; Transmitting to the user terminal, the user terminal selecting and outputting a recommended affiliate store based on customer attraction information from the affiliated store terminals, and outputting an affiliate store reservation request signal for reservation of an affiliate store selected from the outputted recommended affiliate stores; Transmitting to the affiliated store terminal of the selected affiliate store; Storing the merchant reservation information included in the affiliated store reservation request signal and simultaneously transmitting reservation completion information to the user terminal, the user terminal requesting the affiliated store cash withdrawal service from the reserved affiliated store to the affiliated store terminal; The merchant terminal transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device according to the merchant cash withdrawal service request, wherein the virtual account device authenticates the user terminal; If the user is an authenticated user, transfer the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number, and as a result, transfer account details to the user terminal and the merchant terminal. Cash withdrawal transaction using a virtual account comprising the step of transmitting The service providing method is provided.

According to another aspect of the present invention, in a method for providing a cash withdrawal transaction service using a virtual account by a user terminal, when a merchant information request command including a consumption item is input by a user, the consumption item includes the consumption item. Transmitting the affiliated store information request signal to a meeting management device to receive customer attraction information from corresponding affiliated store terminals, selecting and outputting a recommended affiliated store based on the customer attraction information from the affiliated store terminals; When affiliated store reservation information for reservation of the selected affiliated store is input among the outputted recommended affiliated stores, the affiliated store reservation request signal including the affiliated store reservation information is transmitted to the affiliated store terminal of the selected affiliated store to receive reservation completion information from the affiliated store terminal. Step, cash withdrawal service at the reserved merchant When a request is made, the cash withdrawal transaction service using the virtual account comprising the step of transmitting a merchant cash withdrawal service request signal including the withdrawal amount to the affiliated store terminal, and as a result, receiving the account transfer history information from the account transfer device. A provision method is provided.

According to another aspect of the present invention, in the method for the merchant terminal to provide a cash withdrawal transaction service using a virtual account, when the customer attraction information request signal is received from the meeting management device, the merchant information, price, discount information Transmitting customer attraction information to a user terminal, receiving an affiliate store reservation request signal based on the customer attraction information from the user terminal, storing affiliate store reservation information included in the affiliated store reservation request signal and simultaneously completing reservation information. Transmitting the virtual account transfer request signal including the user terminal number, the merchant terminal number, and the withdrawal amount to the user terminal when the affiliated store cash withdrawal service request signal including the withdrawal amount is received from the user terminal; Cash withdrawal using a virtual account comprising the step of transmitting to the device The future service delivery is provided.

As described above, according to the present invention, according to the request of the merchant information of the user, the merchant information based on the location information of the current location of the user is provided to the user terminal in real time, or discounts or mileages provided by the merchant to attract customers are used. By providing information on the user terminal and the like, the user can facilitate the selection of affiliated stores to visit or recommend an optimal affiliated store among a plurality of affiliated stores near the user's location.

In addition, when the user executes a merchant reservation or after the reservation, when the user requests the merchant cash withdrawal service using the virtual account transfer to the meeting management device, the meeting management device sends the requester's terminal number, withdrawal amount and merchant terminal number to the virtual account device. Since the user can receive cash at the affiliated store through the authentication process, the user has to go to a cash machine nearby to eat cash at the first place after moving to the second place. Can be eliminated. Therefore, the customer can use the second meeting and the like after the first meeting without having to carry cash separately.

In addition, it is possible to receive a recommendation of the optimal merchant among the various merchants around, so that customers can comfortably consume.

1 is a view showing a cash withdrawal transaction service providing system using a virtual account according to an embodiment of the present invention.
Figure 2 is a block diagram schematically showing the configuration of a user terminal according to an embodiment of the present invention.
Figure 3 is a block diagram schematically showing the configuration of the meeting management device according to an embodiment of the present invention.
Figure 4 is a block diagram schematically showing the configuration of a virtual account device according to an embodiment of the present invention.
5 is a block diagram schematically illustrating a configuration of an affiliated store terminal according to an embodiment of the present invention.
6 is a view showing a cash withdrawal transaction service providing method using a virtual account according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a method for enabling a meeting managing device according to an embodiment of the present invention to enable a cash withdrawal transaction using a virtual account. FIG.
8 is a flowchart illustrating a method for enabling a virtual account device according to an embodiment of the present invention to enable a cash withdrawal transaction using a virtual account.
9 is a view showing a cash withdrawal transaction service providing system using a virtual account according to an embodiment of the present invention.
FIG. 10 is a block diagram schematically illustrating a configuration of a user terminal illustrated in FIG. 9.
11 is a flowchart illustrating a method for enabling a user terminal to withdraw cash using a virtual account according to an embodiment of the present invention.
12 is a view showing a cash withdrawal transaction service providing method using a virtual account according to another embodiment of the present invention.
FIG. 13 is a block diagram schematically illustrating a configuration of a user terminal illustrated in FIG. 12.
14 is a block diagram schematically illustrating a configuration of an affiliated store terminal described in FIG. 12.

The foregoing and other objects, features, and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, in which: FIG.

Merchants described below refers to franchisees handling consumer items such as restaurants, department stores, clothing stores, bookstores.

1 is a view showing a cash withdrawal transaction service providing system using a virtual account according to an embodiment of the present invention.

Referring to FIG. 1, a cash withdrawal transaction service providing system using a virtual account includes a user terminal 100, a meeting management device 200, an affiliated store terminal 300, a virtual account device 400, and an LBS device 500. do.

The user terminal 100 receives the affiliated store information request signal including consumption items through the communication network to the meeting management device 200 to receive the recommended affiliated store information, and requests the reservation of the affiliated store selected by the user from the recommended affiliated store information. And request the merchant cash withdrawal service to the meeting management device (200).

That is, when the user inputs the number of visits, the scheduled time of visit, the consumption item, etc. through the user terminal 100, the user terminal 100 generates the affiliate store information request signal including the input information and the meeting management apparatus. Send to 200.

In addition, the user terminal 100 requests the meeting management device 200 for reservation of an affiliate store selected by the user from among the recommended affiliate stores provided by the meeting management device 200.

In addition, the user terminal 100 receives the account transfer history information from the virtual account device as a result of the merchant cash withdrawal service request, the user receives the account transfer history information to the merchant to receive cash on-line Done.

The user terminal 100 performing the above role is a mobile terminal for communicating through a mobile communication network, such as a smart phone, PDA, and the like, a wired terminal for performing communication through a wired communication network, for performing communication through a local area wireless communication network. A terminal, a terminal for performing communication through a personal area network (PAN), and the like.

Detailed description of the user terminal 100 performing the above role will be described with reference to FIG. 2.

In addition, the communication network connects the user terminal 100, the meeting management device 200, the affiliated store terminal 300, the LBS device 500, and the virtual account device 400.

When the affiliated store information request signal is received from the user terminal 100, the meeting management device 200 extracts affiliated stores that handle the consumer goods near the current location of the user, and extracts each affiliated store terminal of the extracted affiliated stores. After requesting and receiving the customer attraction information, the selected affiliated store is selected based on the customer attraction information, and the recommended affiliate store information is transmitted to the user terminal 100. At this time, the meeting management device 200 may provide the affiliated store information to the user terminal in the form of SMS, MMS, video, images, and the like.

In addition, the meeting management device 200 stores the affiliated store reservation information according to the affiliated store reservation request from the user terminal 100 and transmits the registered store information to the corresponding affiliated store terminal to complete the reservation of the affiliated store and transmits the reservation completion information to the user. Send to the terminal. Herein, the reservation completion information includes a meeting name, a meeting date, a meeting place, a representative contact information, and the like. In addition, the reservation completion information may include a content inquiring whether to attend the meeting. In addition, the reservation completion information may be transmitted in the form of SMS, MMS, image (picture), video.

In addition, the meeting management device 200 transmits a virtual account transfer request signal including a user terminal number, a merchant terminal number and a withdrawal amount to a virtual account device when a merchant cash withdrawal service is requested from the user terminal 100. .

For a detailed description of the meeting management device 200 to perform the role as described above with reference to FIG.

When the customer attraction information is requested from the meeting management device 200, the affiliated store terminal 300 transmits customer attraction information including affiliate store information, price, and discount information to the meeting management device 200. Here, the affiliated store information includes a trade name, a phone number, a location, and the like.

In addition, the affiliated store terminal 300 stores the affiliated store reservation information from the meeting management device 200 to process the reservation of the affiliated store.

In addition, the affiliated store terminal 300 has an application program for communicating with the meeting management device 200 is installed, for example, a customer attraction information request message is displayed from the meeting management device 200 in the form of a pop-up. You can enter customer attraction information through the pop-up window. The affiliated store terminal 300 includes a PC, a POS terminal, and the like.

Detailed description of the affiliated store terminal 300 performing the above role will be described with reference to FIG. 5.

When the virtual account transfer request signal is received from the meeting management device 200, the virtual account device 400 authenticates the user terminal 100, and if the user is an authenticated user, the virtual account of the affiliate store in the user's virtual account. The withdrawal amount is transferred to the account, and as a result, the account transfer history information is transmitted to the user terminal 100 and the merchant terminal 300.

A detailed description of the virtual account device 400 performing the above role will be described with reference to FIG. 4.

The LBS device 300 detects the current location of the user terminal 100 that requested the affiliated store information and notifies the meeting management device 200 of this.

2 is a block diagram schematically showing the configuration of a user terminal according to an embodiment of the present invention.

Referring to FIG. 2, the user terminal 100 provides a communication unit 102 for performing communication through a communication network, an input unit 104 for input control, and data necessary for using a voice call service or a data service in an auditory or visual manner. It includes an output unit 106, storage unit 108, merchant information request and receiving unit 110, merchant reservation request processing unit 112, merchant cash withdrawal request processing unit 114.

The affiliated store information requesting and receiving unit 110 transmits an affiliated store information request signal including a consumption item input through the input unit 104 to the meeting managing device through the communication unit 102, and recommends the affiliated store from the meeting managing device. Receive information.

When the affiliated store reservation information for the reservation of the affiliated store selected by the user is input from the received recommended affiliated store information, the affiliated store reservation request processing unit 112 transmits an affiliated store reservation request signal including the affiliated store reservation information to the communication unit 102. Send to the meeting management device through. The affiliated store reservation information includes the affiliated store name, the reservation date and time, the name and phone number of the representative participants, the number of attendees, the attendee phone number, and the like.

That is, the user selects a desired affiliated store from the recommended affiliated store information, and inputs affiliated store reservation information including a reservation date, a representative participant name and phone number, the number of attendees, and a participant phone number. Then, the affiliated store reservation request processing unit 112 transmits an affiliated store reservation request signal including the affiliated store reservation information to the meeting managing device.

The affiliated store cash withdrawal request processing unit 114 transmits an affiliated store cash withdrawal service request signal including a withdrawal amount to the meeting management device when a cash withdrawal service is requested from the affiliated merchant requested to make a reservation, and as a result, transfers the account. Receive history information. In this case, the user may request a cash withdrawal service from the affiliated store during or after completing the affiliated store reservation.

That is, when a user inputs a withdrawal amount to be withdrawn through the input unit to use the cash withdrawal service at the requested affiliated store, the affiliated store cash withdrawal request processing unit 112 withdraws the affiliated store cash withdrawal including the withdrawal amount. The service request signal is transmitted to the meeting managing device. Then, the merchant cash withdrawal request processing unit 112 receives the account transfer history information from the virtual account device.

The user terminal 100 configured as described above may further include a virtual account opening request unit 116 requesting the virtual account device to open a virtual account using the terminal number and depositing a predetermined amount of money into the virtual account. have.

Figure 3 is a block diagram schematically showing the configuration of the meeting management device according to an embodiment of the present invention.

Referring to FIG. 3, the meeting management device 200 includes a communication interface 202, a database 204, an affiliated store extractor 206, a recommended affiliated store selector 208, an affiliated store reservation processor 210, and a virtual account transfer. A request processing unit 212.

The communication interface unit 202 communicates with a user terminal, an affiliated store terminal, a virtual account device, and an LBS device through a communication network.

The database 204 includes an affiliate store information database 204a for storing and managing affiliate store information such as a location, an industry type, a menu, an affiliate store owner contact number, and a location for the affiliate store, and an affiliate store reservation information database 204b for storing affiliate store reservation information. Include.

The merchant extracting unit 206 extracts merchants handling the consumer items near the current location of the user when the affiliate store information request signal including the consumption item is received from the user terminal through the communication interface unit 202. do.

That is, when the affiliated store recommendation request signal is received from the user terminal, the affiliated store extractor 206 detects the current location of the user terminal through an LBS device or receives information about the current location from the user terminal. Know your current location. Then, the affiliated store extracting unit 206 extracts affiliated stores within a predetermined radius of the identified location using the affiliated store locations stored in the database 204, and stores affiliated stores that handle the consumption items among the extracted affiliated stores. Extracted from the database 204.

The recommendation affiliate selection unit 208 requests and receives customer attraction information from each affiliated store terminal of the affiliated stores extracted by the affiliate store extraction unit 206, selects a recommended affiliate store based on the customer attraction information, and selects the selected recommendation. The recommended merchant information including the customer attraction information of the affiliated store is transmitted to the user terminal through the communication interface 202. The customer attraction information includes affiliated store information, price, discount contents, event event, and the recommended affiliated store information includes affiliated store information, rank of affiliated stores, number of users, price, discounted contents, and the like.

That is, the recommendation affiliate selection unit 208 selects a predetermined number of affiliate stores as recommended affiliate stores by ranking the affiliate stores based on the extracted customer attraction information of the affiliated stores. In this case, the recommendation affiliate selection unit 208 selects a recommendation affiliate based on a value obtained by calculating a specific weight on the score of the recommendation selection criteria item. Here, the recommendation selection criteria items may include a price, a discount amount or a discount rate, a cumulative recommendation number, and the like, and may refer to a visit welcome time.

For example, we add a rank to each item and add all the median values by multiplying the rank by the weight (2 for the price, 4 for the discount or discount rate, 3 for the cumulative number of recommendations, 1 for the eligible time, etc.). The total score, and select the top 1 or the top 1-5 points for the total score.

With respect to the affiliated shops selected by the affiliated shops or customers, the recommended number of accumulated stores up to the present day of the day is accumulated for the selection of the affiliated stores.

When the affiliated store reservation request signal including the affiliated store reservation information is received from the user terminal, the affiliated store reservation processing unit 210 stores the affiliated store reservation information in the database and transmits the same to the corresponding affiliated store terminal to complete the reservation of the affiliated store. The reservation completion information is transmitted to the user terminal. Here, the affiliated store reservation information includes a reservation date, a representative participant's name and phone number, the number of attendees, and a participant phone number for the affiliated store selected by the user.

The virtual account transfer request processing unit 212, when the merchant cash withdrawal service request signal including the withdrawal amount received from the user terminal, the virtual account transfer request signal including the user terminal number, merchant terminal number and withdrawal amount is virtual Transfer it to the accounting device.

The meeting management apparatus 200 configured as described above further includes a reservation notification unit (not shown) for notifying the affiliated store reservation to the corresponding user terminal or the affiliated store terminal before a predetermined period or reservation date based on the affiliated store reservation information stored in the database 204. It may include.

4 is a block diagram schematically showing the configuration of a virtual account device according to an embodiment of the present invention.

Referring to FIG. 4, the virtual account device 400 may include a communication interface 402 for performing communication through a communication network, a database 404 in which virtual account information is stored, an authentication unit 406, and a virtual account transfer processing unit 408. ).

The database 404 stores virtual account information to which the balance for each user terminal number and the amount for each merchant terminal number are mapped.

When the authentication unit 406 receives a transfer request signal including a user terminal number, an affiliated store terminal number and a withdrawal amount from the meeting management device through the communication interface unit 402, the user by using the user terminal number Perform authentication. That is, the authentication unit 406 transmits an authentication request message to the user terminal, and determines that the user is authenticated when the authentication confirmation information is received.

When the virtual account transfer processing unit 408 is an authenticated user, the virtual account transfer processing unit 408 transfers the withdrawal amount from the virtual account mapped with the user terminal number to the virtual account mapped with the merchant terminal number, and transfers the account transfer history information to the user. Send to the terminal and the merchant terminal.

That is, the virtual account transfer processing unit 408 determines whether the virtual account can be transferred by comparing the balance of the virtual account mapped to the user terminal number and the withdrawal amount, and if the account transfer is possible, the virtual mapped to the user terminal number. The bank transfers the withdrawal amount from the account to the virtual account mapped to the merchant terminal number, and if the account transfer is not possible, transmits a virtual account transfer impossible message to the user terminal.

When the virtual account device 400 configured as described above is requested to open a virtual account from the user terminal through the communication interface 402, the virtual account is opened by mapping the corresponding user terminal number and the deposit amount, and the virtual account. The virtual account opening unit 412 may store the information in the database 404.

5 is a block diagram schematically illustrating a configuration of an affiliated store terminal according to an embodiment of the present invention.

Referring to FIG. 5, the affiliated store terminal 300 includes a communication unit 302 for performing communication through a communication network, a database 304 storing reservation information and cash withdrawal information, an input unit 306 for input control, and a voice call service. B) an output unit 308, a customer attraction information providing unit 310, a reservation information registration unit 312, and a cash withdrawal processing unit 314 for providing data necessary for use in a data service by hearing or time.

When the customer attraction information is requested from the meeting management device through the communication unit 302, the customer attraction information providing unit 310 stores the customer attraction information including the affiliate store information, the price, the discount information, and the like. Send it to the meeting management device.

The reservation information registration unit 312 stores the affiliated store reservation information in the database 304 when the affiliated store reservation information is received from the meeting management device.

The cash withdrawal processing unit 314 updates the cash withdrawal information stored in the database when cash is received by the user. That is, when the user requests cash withdrawal while showing the account transfer history to the merchant, the affiliated store owner withdraws the amount indicated in the account transfer history to the user. Then, the cash withdrawal processing unit 314 deletes or updates the cash information of the user stored in the cash withdrawal information database.

6 is a view showing a cash withdrawal transaction service providing method using a virtual account according to an embodiment of the present invention.

Referring to FIG. 6, when the user terminal transmits an affiliate store information request signal including a consumption item to the meeting managing device (S600), the meeting managing device checks the current location of the corresponding user (S602). That is, the user terminal accesses the meeting management device and transmits a merchant information request signal including a consumption item (menu). The affiliated store information request signal may be in the form of, for example, a menu: pork belly. In this case, the user terminal may also select whether it is a simple request or a recommendation request.

When the meeting management device receives the affiliate store information request signal from the user terminal, the current location of the user terminal is determined through the LBS device or the current location of the user terminal is received by receiving information about the current location from the user terminal. do.

When the step S602 is performed, the meeting management device extracts the affiliated stores handling the consumption item from among the affiliated stores within a predetermined range from the identified location (S604).

For example, if the identified location is Gangnam Station and the consumption item is pork belly, the service server extracts merchants handling pork belly from the merchants located near Gangnam Station.

Then, the meeting management device requests and receives customer attraction information from the extracted merchant terminals of the affiliated stores, selects a recommended affiliate store based on the customer attraction information (S606), and transmits the recommended affiliate store information to the user terminal. (S608).

That is, the meeting management device requests the customer attraction information from each affiliated store terminal of the extracted affiliated stores. In this case, in some cases, the customer invitation information request message may be transmitted to the store contact information of the affiliated stores. At this time, the number of visitors can also be transmitted. However, the scheduled visit time may not be transmitted.

The affiliated store terminal transmits customer attraction information to the meeting management device. Here, the customer attraction information includes a price, a discount amount or a discount rate, the number of current users, the number of seats remaining, and a welcome time to visit.

Then, the meeting management device selects the recommended affiliated store based on the customer attraction information from the affiliated store terminal and transmits the recommended affiliated store information to the user terminal. At this time, the meeting management device may provide the recommended affiliated store information to the user terminal in the form of SMS, MMS, video, images, and the like.

In addition, if there are two or more recommended merchants, the meeting management device transmits a list of recommended merchants to the user terminal in the form of SMS, MMS, video, image, etc., and selects one of the recommended merchant lists from the user terminal. The selection information may be transmitted to the service device through the URL, and the meeting management device may transmit a selection message to the selected affiliated store.

Then, the user selects a desired affiliate store using the recommended affiliate store information displayed on the user terminal.

The user terminal transmits an affiliated store reservation request signal including the affiliated store reservation information to the meeting managing device when the affiliated store reservation information for the reservation of the affiliated store selected by the user is input from the recommended affiliated store information (S610). .

The meeting management device stores the affiliated store reservation information included in the affiliated store reservation request signal and simultaneously transmits to the corresponding affiliated store terminal to process the affiliated store reservation (S614), and transmits the affiliated store reservation completion information to the user terminal (S616). ).

Subsequently, when the user inputs a withdrawal amount or the like to use the cash withdrawal service at the affiliated store where the reservation is requested, the user terminal transmits an affiliate store cash withdrawal service request signal including the withdrawal amount to the meeting management device (S618). .

The meeting management device transmits a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to the virtual account device according to the merchant cash withdrawal service request from the user terminal (S620).

Then, the virtual accounting device performs authentication of the user terminal (S622), and if the authenticated user transfers the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number. As a result, the account transfer history information is transmitted to the user terminal and the affiliated store terminal (S626).

7 is a diagram illustrating a method of enabling a cash management transaction using a virtual account in a meeting management apparatus according to an exemplary embodiment of the present invention.

Referring to FIG. 7, if a meeting information request signal including a consumption item is received from the user terminal (S700), the meeting management apparatus checks the current location of the corresponding user (S702).

Then, the meeting management device extracts affiliated stores handling the consumption item in the vicinity of the identified current location (S704), and requests and receives customer acquisition information from each affiliated store terminal of the extracted affiliated stores (S706).

The meeting management device selects a recommended affiliated store based on customer attraction information from each affiliated store terminal and transmits the recommended affiliated store information to the user terminal (S708).

The meeting management device receives an affiliated store reservation request signal including affiliated store reservation information from the user terminal (S710), and stores the affiliated store reservation information and transmits the affiliated store reservation information to the corresponding affiliated store terminal to reserve the affiliated store. Process and transmit the merchant reservation completion information to the user terminal (S712).

Later, when the merchant cash withdrawal service is requested from the user terminal (S714), the meeting management device transmits a virtual account transfer request signal including the user terminal number, the merchant terminal number and the withdrawal amount to the virtual account device (S716). . That is, when the user inputs a withdrawal amount or the like to use the cash withdrawal service at the affiliated store for which reservation is requested, the user terminal transmits an affiliate store cash withdrawal service request signal including the withdrawal amount to the meeting management device. Then, the meeting management device transmits a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to the virtual account device according to the affiliate cash advance withdrawal service request.

8 is a flowchart illustrating a method for enabling a virtual account withdrawal transaction using a virtual account according to an embodiment of the present invention.

Referring to FIG. 8, when a virtual account transfer request signal including a user terminal number, an affiliated store terminal number, and a withdrawal amount is received from the meeting management apparatus (S800), the virtual account device transmits an authentication request message to the user terminal number. Authentication of the user terminal is performed (S802). For example, the user terminal inputs an authentication number according to an authentication request message, and the virtual account device performs authentication of the user terminal using the authentication number.

As a result of performing the authentication, the virtual account device determines whether the user terminal is an authenticated user (S804).

As a result of the determination in S804, the virtual account device determines whether the virtual account can be transferred by comparing the withdrawal amount and the balance of the virtual account mapped to the user terminal number (S808). That is, the virtual account device determines that the virtual account transfer is possible when the balance is greater than the withdrawal amount.

If it is determined in S808 that the account transfer is possible, the virtual account device transfers the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number (S810) and transfers the account transfer history information. It transmits to the user terminal and the merchant terminal (S812).

If it is determined in S808 that account transfer is impossible, the virtual account device transmits a virtual account transfer impossible message to the user terminal (S814).

Then, when the deposit request including the deposit amount information is received from the user terminal (S816), deposit the requested amount of money in the virtual account of the user terminal (S818), the details of the deposit to the user terminal The information is transmitted (S820).

That is, the user who receives the virtual account transfer impossible message requests a deposit of a predetermined amount from the virtual account device in order to use the cash withdrawal service at the affiliated store. In this case, the deposit request amount may be charged as a user fee of the user terminal.

If it is determined as S804 that the user is not an authenticated user, the virtual account device transmits an authentication failure message to the user terminal (S822).

9 is a diagram showing a system for providing a cash withdrawal transaction service using a virtual account according to an embodiment of the present invention.

Referring to FIG. 9, a cash withdrawal transaction service providing system using a virtual account includes a user terminal 900, a virtual accounting apparatus 1000, and an affiliated store terminal 1100.

When the affiliated store information request command including a consumption item is input, the user terminal 900 extracts affiliated stores that handle the consumed item near a current location, and selects a recommended affiliated store based on the customer attraction information of the extracted affiliated stores. Select.

In addition, the user terminal 900 processes the reservation of the corresponding merchant in accordance with the reservation request of the merchant selected by the user among the selected recommended merchants, if the cash withdrawal service is requested from the requested merchant, The virtual account transfer request signal including the terminal number, the merchant terminal number and the withdrawal amount of the virtual account device 1000 is transmitted.

A detailed description of the user terminal 900 that performs the above role will be described with reference to FIG. 10.

When the virtual account transfer request signal is received from the user terminal 900, the virtual account device 1000 performs authentication of the user terminal 900, and if the user is an authenticated user, the virtual account of the affiliate store in the user's virtual account. The withdrawal amount is transferred to an account, and as a result, the account transfer history information is transmitted to the user terminal 900 and the merchant terminal 1100.

A detailed description of the virtual account device 1000 performing the above role will be described with reference to FIG. 4.

The affiliated store terminal 1100 stores affiliated store reservation information from the user terminal 900 and processes the affiliated store reservation.

FIG. 10 is a block diagram schematically illustrating a configuration of a user terminal illustrated in FIG. 9.

Referring to FIG. 10, the user terminal 900 includes a communication unit 902 for performing communication through a communication network, a database 908 in which affiliate store information and affiliate store reservation information are stored, an input unit 904 for receiving a user command, and an output unit. 906, a location estimator 910, a merchant extractor 912, a recommended merchant selector 914, a merchant reservation processor 916, and a virtual account transfer request processor 918.

The database 908 stores an affiliate store information database 908a for storing and managing affiliate store information such as a location, an industry type, a menu, an affiliate store owner contact number, and location for the affiliate store, and an affiliate store reservation information database 908b for storing affiliate store reservation information. Include.

The location estimator 910 estimates a current location when an affiliate store information request command including a consumption item is input through the input unit 904. The location estimating unit 910 may estimate the current location of the user using a GPS or the like, and may receive information on the current location from the user.

The affiliated store extractor 912 searches the database 908 to extract affiliated stores that handle the consumer items in the vicinity of the estimated location. That is, the affiliated store extractor 912 extracts affiliated stores within a predetermined radius of the estimated location using the affiliated store locations stored in the database 908, and stores affiliated stores that handle the consumption items among the extracted affiliated stores. Extracted from the database 908.

The recommendation affiliate selection unit 914 selects a recommendation affiliate based on the extracted customer attraction information of the affiliated stores, and outputs the information of the selected recommendation affiliate through the output unit 906. That is, the recommendation affiliate selection unit 914 requests and receives customer attraction information from each affiliated store terminal of the affiliated stores extracted by the affiliate store extraction unit 912 and selects a recommended affiliate store based on the customer attraction information. In this case, the recommendation affiliate selection unit 914 ranks the affiliated stores based on the customer attraction information of the extracted affiliated stores and selects a predetermined number of affiliated stores as the recommended affiliated stores.

The affiliated store reservation processing unit 916 stores the affiliated store reservation information in the database 908 and simultaneously sends the corresponding affiliated store terminal to the corresponding affiliated store terminal when the affiliated store reservation request command for the reservation of the affiliated store selected by the user is input among the outputted recommended affiliated stores. Process the reservation of the merchant by sending. Here, the affiliated store reservation information includes a reservation date, a representative participant name and phone number, the number of attendees, a participant phone number, etc. for the affiliated store selected by the user.

The virtual account transfer request processing unit 918 transmits a virtual account transfer request signal including a terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device when a cash withdrawal service is requested at the reservation requested affiliate store. do.

The user terminal 900 configured as described above may further include a reservation notification unit (not shown) for notifying the affiliated store reservation before a predetermined period or a reservation date based on the affiliated store reservation information stored in the database 908.

11 is a flowchart illustrating a method for enabling a user terminal to withdraw cash using a virtual account according to an embodiment of the present invention.

Referring to FIG. 11, when a user terminal receives an input of an affiliated store information request command including a consumption item by a user (S1100), the user terminal estimates its current location (S1102).

At this time, the user terminal should be a process of periodically collecting the merchant information stored in the database.

After the execution of the S1102, the user terminal searches a pre-stored database and extracts the affiliated stores handling the consumption item among the affiliated stores within a predetermined range from the estimated location (S1104), and the customer attraction information of the extracted affiliated stores. Based on these, select the affiliated shop (S1106).

Then, if a merchant reservation request command for the reservation of the merchant selected by the user among the selected recommended merchants is input (S1108), the user terminal stores the merchant reservation information in the database and simultaneously transmits the corresponding merchant terminal to the corresponding merchant terminal. Process the reservation of the merchant (S1110).

After the execution of the S1110, if the cash withdrawal service is requested by the user requested by the reservation (S1112), the user terminal is a virtual account transfer request signal including its terminal number, merchant terminal number and withdrawal amount To transmit to the virtual account device (S1114).

Then, the virtual account device performs authentication of the user terminal, and if the user is an authenticated user, transfers the withdrawal amount from the user's virtual account to the virtual account of the affiliate store, and as a result, the account transfer history information is transferred to the user terminal. Send to the merchant terminal.

12 is a view showing a cash withdrawal transaction service providing method using a virtual account according to another embodiment of the present invention.

12, since S1200 to S1204 correspond to S600 to S604 in FIG. 6, a description thereof will be omitted.

When S1204 is performed, the meeting management apparatus requests customer acquisition information from the affiliated store terminals of the affiliated stores extracted at S1204 (S1206). At this time, the meeting management device transmits a customer invitation information request signal including the number of people, consumption items, scheduled visit time, user terminal number, etc. to each affiliated store terminal. For example, if the 30 affiliated stores are extracted, the meeting management device transmits a customer invitation information request signal to each of the affiliated store terminals of the 30 affiliated stores.

Each merchant terminal receiving the customer attraction information request by performing the step S1206 receives the customer attraction information directly from the merchant owner or extracts the previously stored customer attraction information to the user terminal (S1208). Here, the customer attraction information includes affiliated store location, affiliated store information, price, discount amount or discount rate, current number of users, remaining seats, visit welcome time, and the like.

Then, the user terminal selects one affiliate store by using the customer attraction information received from each affiliate store terminal (S1210). That is, the user terminal selects and outputs a recommended affiliated store based on customer attraction information from the affiliated store terminals, and the user selects one of the outputted recommended affiliated stores.

The user terminal transmits an affiliate store reservation request signal for the reservation of the selected affiliate store to the selected affiliate store (S1212). In this case, the user inputs merchant reservation information including a reservation date, a representative participant's name and phone number, the number of attendees, a participant's phone number, etc., for the reservation of the affiliated store, and the user terminal stores the affiliated store reservation including the affiliated store reservation information. The request signal is transmitted to the affiliated store terminal.

Then, the affiliated store terminal stores the affiliated store reservation information included in the affiliated store reservation request signal to reserve the corresponding meeting (S1214), and transmits the reservation completion information to the user terminal (S1216). Here, the reservation completion information includes the meeting name, meeting date and time, meeting place and representative contact information. In addition, the reservation completion information may include a content inquiring whether to attend the meeting. In addition, the reservation completion information may be transmitted in the form of SMS, MMS, image (picture), video.

After the affiliate store reservation is completed by performing the operation of S1216, when the user inputs a withdrawal amount to use the cash withdrawal service at the reserved affiliate store, the user terminal sends the affiliated store cash withdrawal service request signal including the withdrawal amount to the affiliate store. Transmission to the terminal (S1218).

The affiliated store terminal transmits a virtual account transfer request signal including a user terminal number, an affiliated store terminal number, and a withdrawal amount to the virtual account device according to the affiliated store cash withdrawal service request (S1220).

Then, the virtual accounting device performs authentication of the user terminal (S1222), and if the authenticated user transfers the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number. As a result, the account transfer history information is transmitted to the user terminal and the affiliated store terminal (S1226).

FIG. 13 is a block diagram schematically illustrating a configuration of a user terminal described with reference to FIG. 12.

Referring to FIG. 13, the user terminal 1300 may include a communication unit 1302 for performing communication through a communication network, an output unit 1306 for outputting information of a recommended affiliate store, an input unit 1304 for receiving a user command, and a storage unit. 1308, an affiliated store information request unit 1310, a recommended affiliated store selection unit 1312, an affiliated store reservation request processing unit 1314, and an affiliated store cash withdrawal processing unit 1316.

When the affiliated store information request command including the consumption item is input through the input unit 1304, the affiliated store information request unit 1310 transmits the affiliated store information request signal including the consumed item to a meeting management device to provide a plurality of affiliated stores. Receive customer attraction information from the terminal.

The recommendation affiliate selection unit 1312 selects a recommendation affiliate based on customer attraction information from the affiliated store terminals and outputs the selected affiliated store through the output unit 1306.

The affiliated store reservation request processing unit 1314 receives an affiliated store reservation request signal including the affiliated store reservation information when the affiliated store reservation information for the reservation of the selected affiliated store is selected from the recommended affiliated store information output through the output unit 1306. It transmits to the affiliated store terminal through the communication unit 1302, and receives reservation completion information from the affiliated store terminal.

The affiliated store cash withdrawal processing unit 1316 transmits an affiliated store cash withdrawal service request signal including a withdrawal amount to the affiliated store terminal when the cash withdrawal service is requested from the reserved affiliated store, and as a result, the account transfer detail information. Receive.

The user terminal 1300 configured as described above may further include a virtual account establishment request unit 1318 for requesting a virtual account to open a virtual account using a terminal number and depositing a predetermined amount of money in the virtual account. have.

FIG. 14 is a block diagram schematically illustrating a configuration of an affiliated store terminal illustrated in FIG. 12.

Referring to FIG. 14, the affiliated store terminal 1400 uses a communication unit 1402 for communicating with a user terminal, a meeting management device, and a virtual account device, an input unit 1404 for input control, a voice call service, or a data service through a communication network. Output unit 1406, customer attraction information providing unit 1408, reservation processing unit 1410, virtual account transfer request processing unit 1412, cash withdrawal processing unit 1414, merchant reservation for providing data necessary for hearing or time A database 1416 that stores information and cash withdrawal information.

When the customer attraction information providing unit 1408 receives a customer attraction information request signal from the meeting management device through the communication unit 1402, the customer attraction information providing unit 1408 includes customer attraction information including price information and discount information to the user terminal. to provide.

When the reservation processing unit 1410 receives affiliated store reservation information from the user terminal through the communication unit 1402, the reservation processing unit 1410 stores the affiliated store reservation information in the database 1416 and simultaneously stores the reservation completion information on the user terminal. send. Here, the affiliated store reservation information includes a reservation date, a representative participant's name and phone number, the number of attendees, and a participant phone number for the affiliated store selected by the user.

When the merchant bank withdrawal service request signal including the withdrawal amount is received from the user terminal, the virtual account transfer request processing unit 1412 virtualizes the virtual account transfer request signal including the user terminal number, the affiliated store terminal number and the withdrawal amount. Transfer it to the accounting device.

The cash withdrawal processing unit 1414 updates the cash withdrawal information stored in the database when cash is received by the user. That is, when the user requests cash withdrawal while showing the account transfer history to the merchant, the affiliated store owner withdraws the amount indicated in the account transfer history to the user. Then, the cash withdrawal processing unit 1414 deletes or updates the cash information of the corresponding user stored in the cash withdrawal information database.

The database 1414 includes a reservation information database 1416a in which reservation information reserved by the reservation processor 1410 is stored, and a cash withdrawal information database 1416b in which cash withdrawal information is stored.

The affiliated store terminal 200 configured as described above may further include a reservation notification unit (not shown) for notifying the affiliated store reservation to a corresponding user terminal before a predetermined period or a reservation date based on the affiliated store reservation information stored in the database 204. .

As such, those skilled in the art will appreciate that the present invention can be implemented in other specific forms without changing the technical spirit or essential features thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not as restrictive. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

As described above, the system and method for providing a cash withdrawal transaction service using a virtual account according to the present invention facilitates a user to select an affiliated store to visit or recommends an optimal affiliated store among a plurality of affiliated stores near the user's location, and the user selects an affiliated store. When executing the reservation or after the reservation, when requesting the merchant cash withdrawal service using the virtual account transfer to the meeting management device, the meeting management device transmits the requester's terminal number, withdrawal amount and merchant terminal number to the virtual account device to perform the authentication process. It is suitable when the user can receive cash at the affiliated store.

100, 900, 1300: user terminal 102, 302, 902, 1302, 1402: communication unit
104, 406, 904, 1304, 1404: input unit 106, 308, 906, 1306, 1406: output unit
108, 1308: storage unit 110: merchant request and receiving unit
112, 1314: Merchant reservation request processing unit
114, 1316: Merchant Cash Withdrawal Request Processing Unit
116, 1318: request to open a virtual account 200: meeting management device
202, 402: communication interface unit
204, 304, 404, 908, 1416: Database
206, 912: merchant extracting unit 208, 914, 1312: recommended merchant selection unit
210, 916: Merchant reservation processing unit
212, 918, 1412: virtual account transfer request processing unit
300, 1100: merchant terminal 310, 1408: customer attraction information provider
312: Reservation information register 314, 1414: cash withdrawal processing unit
400, 1000: virtual account device 406: authentication unit
408: virtual account transfer processing unit 412: virtual account opening unit
910: location estimation unit 1310: merchant information request unit
1410: reservation processing unit

Claims (33)

Sending the affiliated store information request signal including consumption items to the meeting management device to receive the recommended merchant information, requesting the reservation of the merchant selected by the user among the recommended merchant information, and requesting the merchant cash withdrawal service to the meeting management device. A user terminal;
When the affiliated store information request signal is received from the user terminal, the affiliated stores that handle the consumption items are extracted in the vicinity of the current location of the user, and the recommended affiliated store information is selected based on the customer attraction information of the extracted affiliated stores. To the user terminal, and completes the reservation of the affiliated store according to the affiliated store reservation request from the user terminal and transmits the reservation completion information to the user terminal, and the user terminal according to the merchant cash withdrawal service request from the user terminal. A meeting management device for transmitting a virtual account transfer request signal including a number, a merchant terminal number, and a withdrawal amount to a virtual account device;
An affiliated store terminal transmitting customer attraction information including affiliated store information, price, and discount information to the meeting management device according to a request for customer attraction information from the meeting management device, and storing affiliated store reservation information from the meeting management device; And
When the virtual account transfer request signal is received from the meeting management device, authentication of the user terminal is performed, and if the authenticated user transfers the withdrawal amount from the user's virtual account to the virtual account of the affiliate store, and as a result, A virtual account device for transmitting account transfer history information to the user terminal and the affiliated store terminal;
Cash withdrawal transaction service system using a virtual account comprising a. The method of claim 1,
A cash withdrawal transaction service system using a virtual account further comprising an LBS device for providing the meeting management device to determine the current location of the user terminal. A communication interface unit for performing communication through a communication network;
A database storing affiliate store information and affiliate store reservation information;
An affiliated store extracting unit configured to extract affiliated stores that handle the consumed item in the vicinity of a current location of the user, when an affiliated store information request signal including a consumed item is received from the user terminal through the communication interface unit;
A recommendation merchant selection unit for requesting and receiving customer attraction information from each of the extracted affiliated stores, selecting a recommendation affiliate based on the customer attraction information, and transmitting the recommended affiliate information to the user terminal through the communication interface;
An affiliated store reservation processing unit configured to process the reservation of the affiliated store by storing the affiliated store reservation information in the database and transmitting the affiliated store reservation information to the corresponding affiliated store terminal when the affiliated store reservation request signal including the affiliated store reservation information is received from the user terminal; And
When the merchant cash withdrawal service request signal including the withdrawal amount is received from the user terminal, a virtual account transfer request processor for transmitting the virtual account transfer request signal including the user terminal number, merchant terminal number and withdrawal amount to the virtual account device; ;
Meeting management device comprising a. The method of claim 3,
The affiliated store reservation information includes at least one of a reservation date, a representative participant name and phone number, the number of attendees, and a participant phone number for the affiliated store selected by the user. The method of claim 3,
Wherein the merchant extracting unit is a meeting management device characterized in that to grasp the current location of the user terminal through the LBS device or to receive information about the current location from the user terminal to determine the current location of the user terminal. The method of claim 3,
The recommendation merchant selection unit selects a recommendation merchant based on a value obtained by calculating a specific weight on the score of the recommendation selection criteria item,
The recommendation selection criteria item includes a price, a discount, a cumulative number of recommendations, visit welcome time characterized in that it comprises a visit. The method of claim 3,
And a reservation notification unit for notifying the affiliated store reservation to a corresponding user terminal before a predetermined period or a reservation date and time based on the affiliated store reservation information stored in the database. A communication interface unit for performing communication through a communication network;
A database in which virtual account information is stored;
An authentication unit configured to perform user authentication using the user terminal number when an account transfer request signal including a user terminal number, an affiliated store terminal number, and a withdrawal amount is received from a meeting management device or an affiliated store terminal through the communication interface unit; And
In the case of the authenticated user, the virtual money is transferred from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number, and the account transfer information is transmitted to the user terminal and the merchant terminal. A bank transfer processor;
Virtual accounting device comprising a. The method of claim 8,
When the virtual account is requested to be opened from the user terminal through the communication interface, the virtual account is opened by mapping the corresponding user terminal number and the deposit amount, and further comprising a virtual account opening unit for storing the virtual account information in the database. Accounting devices. The method of claim 8,
The authentication unit transmits an authentication request message to the user terminal, and when the authentication confirmation information is received, the virtual account device, characterized in that it is an authenticated user. The method of claim 8,
The virtual account transfer processor determines whether the virtual account can be transferred by comparing the balance of the virtual account and the withdrawal amount of the user terminal number, and if the account transfer is possible, the merchant terminal number in the virtual account mapped with the user terminal number. The account transfers the withdrawal amount to the virtual account mapped to the virtual account device, characterized in that for transmitting the virtual account transfer impossible message to the user terminal if the account transfer is impossible. The method of claim 8,
The virtual account device, characterized in that the database stores the virtual account information mapped to the balance of each user terminal number and the amount of each merchant terminal number. When an affiliated store information request command including a consumption item is input, extracting affiliated stores handling the consumed item near the current location, selecting a recommended affiliated store based on the customer attraction information of the extracted affiliated stores, and then selecting the selected recommendation. According to the reservation request of the merchant selected by the user among the merchants to process the reservation of the merchant, if the cash withdrawal service is requested at the reserved merchant, the virtual number including their terminal number, merchant terminal number and withdrawal amount A user terminal for transmitting a bank transfer request signal to a virtual account device; And
When a virtual account transfer request signal is received from the user terminal, authentication of the user terminal is performed, and when the authenticated user transfers the withdrawal amount from the user's virtual account to the virtual account of the affiliated store, and as a result, the account Virtual account device for transmitting the transfer history information to the user terminal and the merchant terminal;
Cash withdrawal transaction service system using a virtual account comprising a. A communication unit for performing communication through a communication network;
A database storing affiliate store information and affiliate store reservation information;
An input unit for receiving a user command;
A position estimating unit estimating a current position when an affiliated store information request command including a consumption item is input through the input unit;
An affiliated store extraction unit configured to search the database and extract affiliated stores that handle the consumption item in the vicinity of the estimated location;
A recommendation affiliate selection unit for selecting a recommendation affiliate based on the extracted customer attraction information of the affiliated stores and outputting information of the selected recommendation affiliated store;
If the merchant reservation request command for the reservation of the merchant selected by the user from among the recommended affiliate stores is input, the merchant reservation is stored in the database and transmitted to the corresponding merchant terminal at the same time to process the reservation of the merchant. Processing unit; And
A virtual account transfer request processor for transmitting a virtual account transfer request signal including a terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device when a cash withdrawal service is requested at the reserved affiliated store;
User terminal comprising a. The method of claim 14,
The user terminal further comprises a request for opening a virtual account to the virtual account device using the terminal number, and a virtual account opening request unit for depositing a predetermined amount of money into the virtual account. (a) When the meeting management device receives the affiliate store information request signal from the user terminal, extracts affiliate stores handling the consumer goods near the current location of the user, and provides customer attraction information to each affiliated store terminal of the extracted affiliate stores. Requesting;
(b) transmitting, by the affiliated terminal, customer attraction information including affiliate store information, price, and discount to the meeting management device according to the request of the customer attraction information;
(c) selecting, by the meeting management device, a recommending affiliate store based on customer attraction information from the affiliate store terminal, and transmitting the recommended affiliate store information to the user terminal;
(d) transmitting, by the user terminal, an affiliated store reservation request signal for reservation of an affiliated store selected by the user from the recommended affiliated store information to the meeting management device;
(e) storing the affiliated store reservation information included in the affiliated store reservation request signal and transmitting the stored information to the corresponding affiliated store terminal to process the reservation of the affiliated store;
(f) when the meeting management device requests a merchant cash withdrawal service from the user terminal, transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device; And
(g) when the virtual accounting device authenticates the user terminal and is an authenticated user, transfers the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number; As a result, transmitting the bank transfer history information to the user terminal and the merchant terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. The method of claim 16,
Before step (a) above,
Requesting, by the user terminal, to open a virtual account to the virtual account device; And
The virtual account apparatus, according to the request for opening the virtual account, mapping the user terminal number and the deposit amount further comprises the step of opening a virtual account using a virtual account cash withdrawal transaction service providing method. In the meeting management device to provide a cash withdrawal transaction service using a virtual account,
When a merchant information request signal including a consumption item is received from a user terminal, the merchants handling the consumption item are extracted near the current location of the user, and the customer acquisition information is requested to each merchant terminal of the extracted merchants. Receiving;
Selecting a recommended affiliate store based on customer attraction information from each affiliated store terminal and transmitting the recommended affiliate store information to the user terminal;
When an affiliated store reservation request signal including affiliated store reservation information is received from the user terminal, the affiliated store reservation information is stored and transmitted to the corresponding affiliated store terminal to process the corresponding affiliated store reservation, and the reservation completion information is transmitted to the user terminal. Making; And
Transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device when a merchant cash withdrawal service request signal including a withdrawal amount is received from the user terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. In the virtual account device to provide a cash withdrawal transaction service using a virtual account,
(a) performing an authentication of the user terminal by transmitting an authentication request message to the user terminal number when an account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount is received from a meeting management device;
(b) when the user terminal is authenticated, transferring the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the affiliated store terminal number; And
(c) transmitting the bank transfer history information to a user terminal and an affiliated store terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. 20. The method of claim 19,
When the request for the opening of a virtual account is requested from the user terminal, the method of providing a cash withdrawal transaction service using a virtual account further comprising the step of opening a virtual account by mapping the user terminal number and the deposit amount. 20. The method of claim 19,
In the step (a),
If the user terminal is not an authenticated user, a cash withdrawal transaction service providing method using a virtual account, characterized in that for transmitting an authentication failure message to the user terminal. 20. The method of claim 19,
In step (b),
Determining whether a virtual account can be transferred by comparing a balance of the virtual account mapped to the user terminal number and a withdrawal amount; And
And if the account transfer is possible, transferring the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number. How to Provide. The method of claim 22,
Transmitting a virtual account transfer impossible message to the user terminal when the account transfer is impossible as a result of the determination; And
When the deposit request including the deposit amount information is received from the user terminal, depositing the requested amount of money into the virtual account of the user terminal, and transmitting the deposit history information to the user terminal; How to provide cash withdrawal transaction service using a virtual account. When the user terminal receives a request for an affiliate store information request including a consumption item, extracting affiliate stores handling the consumption item near a current location, and selecting a recommended affiliate store based on the customer attraction information of the extracted affiliate stores;
When an affiliated store reservation request command for reservation of an affiliated store selected by the user from among the recommended affiliated stores is input, the user terminal stores the affiliated store reservation information and transmits the same to the corresponding affiliated store terminal to complete the reservation of the affiliated store;
Requesting, by the user terminal, a merchant cash withdrawal service from the reserved affiliated store terminal;
Transmitting, by the merchant terminal, a virtual account transfer request signal including the user terminal number, the merchant terminal number, and the withdrawal amount to the virtual account device according to the merchant cash withdrawal service request; And
When the virtual accounting device authenticates the user terminal and is an authenticated user, transfer the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number, and as a result, the account. Transmitting transfer history information to the user terminal and the affiliated store terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. In the method for enabling the user terminal to enable cash withdrawal transaction using a virtual account,
(a) estimating a current location when a merchant information request command including consumption items is input by a user;
(b) searching the pre-stored database and extracting merchants handling the consumption item from among merchants within a predetermined range from the estimated position;
(c) selecting a recommended affiliate store based on the customer attraction information of the extracted affiliate stores;
(d) When an affiliated store reservation request command for the reservation of an affiliated store selected by the user is input among the selected recommended affiliated stores, the affiliated store reservation information is stored in the database and transmitted to the corresponding affiliated terminal to complete the reservation of the affiliated store. Making; And
(e) When the cash withdrawal service is requested at the reserved merchant, the virtual account transfer request signal including its terminal number, merchant terminal number and withdrawal amount is transmitted to the virtual account device, and as a result, the account transfer. Receiving wire transfer history information from the device;
Cash withdrawal transaction service providing method using a virtual account comprising a. The method of claim 25,
A method for providing a cash withdrawal transaction service using a virtual account further comprising the step of requesting the virtual account device to open a virtual account using a terminal number and depositing a predetermined amount of money in the virtual account. Sending a merchant information request signal including a consumption item to a meeting management device to receive customer attraction information from a plurality of affiliated terminal, select the affiliated store based on the received customer attraction information, and select the merchants selected from the selected affiliated stores A user terminal requesting a reservation from a corresponding merchant terminal and requesting a merchant cash withdrawal service from the merchant terminal;
When the affiliated store information request signal is received from the user terminal, extracting affiliated stores handling the consumer goods near the current location of the user, and requesting customer attraction information including a user terminal number to each of the extracted affiliated store's merchant terminals Meeting management device for transmitting a signal;
When the customer attraction information request signal is received from the meeting management device, the customer attraction information including affiliate store information, price, and discount information is transmitted to the user terminal, and the meeting reservation is executed according to the affiliate store reservation request from the user terminal. Transmitting reservation completion information to the user terminal, and transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to the virtual account device according to a merchant cash withdrawal service request from the user terminal. Merchant terminal; And
When the virtual account transfer request signal is received from the merchant terminal, authentication of the user terminal is performed, and when the authenticated user transfers the withdrawal amount from the user's virtual account to the virtual account of the merchant, and as a result, the account Virtual account device for transmitting the transfer history information to the user terminal and the merchant terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. A communication unit for performing communication through a communication network;
An output unit configured to output information of the recommended affiliate store;
An input unit for receiving a user command;
Merchant information request unit for receiving the customer information from a plurality of merchant terminals by transmitting a merchant information request signal including the consumption item to the meeting management device when the instruction requesting the merchant information including the consumption item through the input unit; ;
A recommended affiliated store selection unit for selecting a recommended affiliated store based on customer attraction information from the affiliated store terminals and outputting the selected affiliated store through the output unit;
When affiliated store reservation information for reservation of the selected affiliated store is input from the recommended affiliated store information output through the output unit, the affiliated store reservation request signal including the affiliated store reservation information is transmitted to the corresponding affiliated store terminal through the communication interface unit, and the affiliated store Merchant reservation request processing unit for receiving the reservation completion information from the terminal; And
An affiliated store cash withdrawal request processing unit that transmits an affiliated store cash withdrawal service request signal including a withdrawal amount to the affiliated store terminal when the cash withdrawal service is requested at the reserved affiliated store, and receives account transfer history information as a result;
User terminal comprising a. The method of claim 28,
The user terminal further comprises a request for opening a virtual account to the virtual account device using the terminal number, and a virtual account opening request unit for depositing a predetermined amount of money into the virtual account. A communication unit for communicating with a user terminal, a meeting management device, and a virtual account device through a communication network;
A database storing affiliated store reservation information and cash withdrawal information;
A customer attraction information providing unit providing customer attraction information including affiliated store information, price, and discount information to the user terminal when a customer attraction information request signal is received from the meeting management device through the communication unit;
An affiliated store reservation processing unit, when the affiliated store reservation information is received from the user terminal through the communication unit, storing the affiliated store reservation information in the database and transmitting reservation completion information thereof to the user terminal;
When the merchant cash withdrawal service request signal including the withdrawal amount is received from the user terminal, a virtual account transfer request processor for transmitting the virtual account transfer request signal including the user terminal number, merchant terminal number and withdrawal amount to the virtual account device; ; And
A cash withdrawal processing unit for updating cash withdrawal information stored in the database when cash is received by a user;
Merchant terminal comprising a. When the meeting management device receives the affiliated store information request signal containing the consumed items from the user terminal, extracts the affiliated stores handling the consumed items near the current location of the user, and attracts customers to each of the extracted affiliated stores' merchant terminals. Requesting information;
Transmitting, by each affiliated store terminal, customer attraction information including affiliated store location, affiliated store information, price, and discount to each user terminal according to the request for customer attraction information from the meeting management device;
The user terminal selects and outputs a recommended affiliate store based on customer attraction information from the affiliated store terminals, and transmits an affiliate store reservation request signal for reservation of the selected affiliate store among the outputted recommended affiliate stores to the affiliated store terminal of the selected affiliate store. step;
Storing, by the affiliated store terminal, the affiliated store reservation information included in the affiliated store reservation request signal and transmitting reservation completion information to the user terminal;
Requesting, by the user terminal, the affiliated store cash withdrawal service from the reserved affiliated store;
Transmitting, by the merchant terminal, a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device according to the merchant cash withdrawal service request; And
When the virtual accounting device authenticates the user terminal and is an authenticated user, transfer the withdrawal amount from the virtual account mapped to the user terminal number to the virtual account mapped to the merchant terminal number, and as a result, the account. Transmitting transfer history information to the user terminal and the affiliated store terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a. In the method for the user terminal to provide a cash withdrawal transaction service using a virtual account,
When the affiliated store information request command including the consumption item is input by the user, transmitting the affiliated store information request signal including the consumption item to a meeting management device and receiving customer attraction information from corresponding affiliated store terminals;
Selecting and outputting a recommending affiliated store based on the customer attraction information from the received affiliated store terminals;
When affiliated store reservation information for reservation of the selected affiliated store is input among the outputted recommended affiliated stores, the affiliated store reservation request signal including the affiliated store reservation information is transmitted to the affiliated store terminal of the selected affiliated store to receive reservation completion information from the affiliated store terminal. Making;
When the cash withdrawal service is requested at the reserved affiliated store, transmitting a merchant cash withdrawal service request signal including a withdrawal amount to the affiliated store terminal and, as a result, receiving the account transfer history information from the account transfer device;
Cash withdrawal transaction service providing method using a virtual account comprising a. In the method for the merchant terminal to provide a cash withdrawal transaction service using a virtual account,
When the customer attraction information request signal is received from the meeting management device, transmitting customer attraction information including affiliate store information, price, and discount to the user terminal;
Receiving a franchise reservation request signal based on the customer attraction information from the user terminal;
Storing the affiliated store reservation information included in the affiliated store reservation request signal and transmitting reservation completion information to the user terminal; And
Transmitting a virtual account transfer request signal including a user terminal number, a merchant terminal number, and a withdrawal amount to a virtual account device when a merchant cash withdrawal service request signal including a withdrawal amount is received from the user terminal;
Cash withdrawal transaction service providing method using a virtual account comprising a.

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