KR20130091114A - Banking system and method using cyber social bank based on non cash economic activity - Google Patents

Abstract

PURPOSE: A banking system and a method thereof is capable of opening an SNS user's social bank account connected to the user's SNS account, quantifying the user's non-currency economic activities online and offline and the activities' value in an online social currency, and performing the user's banking-related services such as money transfer using the online social currency. CONSTITUTION: A request reception unit receives a request for opening a bank account or a request for a banking service from a customer device via a user interface (510). Upon the request for opening a bank account, a bank account opening unit opens a social bank account, which monitors the customer's non-currency economic activities online and offline and manages the customer's social money related to the activities (530). Upon the request for a banking service, a banking processing unit processes the banking service request using the customer's bank account (550). [Reference numerals] (510) Receive a request for opening a bank account from a customer device via a user interface; (520) Set a loan limit according to the customer's credit; (530) Open a virtual social account upon the customer's request; (540) Receive a request for a banking service from the customer device via the user interface; (550) Provide the banking service using the customer's social account; (551) Deal with the customer's transfer; (552) Deal with the customer's request for a loan; (553) Deal with the customer's request for social money; (AA) Start; (BB) End

Description

BANKING SYSTEM AND METHOD USING CYBER SOCIAL BANK BASED ON NON CASH ECONOMIC ACTIVITY

The present invention relates to a banking system and method through online social asset banks based on non-monetary economic activity. More specifically, the non-quantified internet economy resulting from the online activity and the cost of all non-monetary economic activities from offline social life. It is about technology that pays and transfers payments for activities through cyber social money.

Recently, due to the development of Internet technology, social networking services, in which a large number of users establish a social network by connecting with an unspecified number of others through online blogs, cafes, and social networking services (SNS), have been greatly activated. . Many people don't just write in blogs, cafes, social media, and corporate homepages, but also help each other by providing information and exchanging data. As such, people are engaged in a number of non-monetary economic activities that are not converted into money online or offline, but they can convert and quantify them into a certain value, and in return, provide and save social Internet money among economic entities between individuals. There was no system to provide virtual banking services online. Korean Patent Laid-Open Publication No. 2000-0063728 discloses a system and method for providing a cyber bank service on the Internet.

Open a social account of users in connection with an SNS account, provide help through the social account, measure and settle non-monetary economic activities such as predecessor activities, donation activities, internet of blogs, intellectuals, cafe activities, video production, comments, etc. An online social bank server and banking method are presented that can handle various banking tasks to quantify and liquidate rewards for economic activity.

A virtual online social bank server that allows users to quantify the value of non-monetary economic activity and non-monetary economic activity online and offline by converting them into online social money, and transfer them to each other using the quantified online social money, and A banking method is presented.

According to one aspect, the online social bank server, the request receiving unit for receiving the account opening or banking request information from the user terminal through the user interface, the customer's non-monetary economic activity information or its non-monetary economy in accordance with the request to open the account It may include an account opening unit for opening a social account for managing the banking information of the social money associated with the activity and a banking processing unit for processing the banking request using the customer's social account in accordance with the customer's banking request.

In this case, the social account may be an online minus account in which a loan limit is determined according to a degree of providing authentication information of a customer including external system activity information.

In addition, a social account may be created in association with the customer's external system account.

In addition, the non-monetary economic activity information includes one or more of the content, type, time, value of the parties, and value information of the non-monetary economic activity, and the banking information includes the cost of receiving the non-monetary economic activity for each customer. It may include one or more of the amount paid, the amount received in exchange for providing non-monetary economic activity, the current loan information of the social money and the amount of social money purchased in cash.

In addition, the user interface may be any one of an application installed and executed in a customer terminal, an application executed in an external system in conjunction with an external system, and an application executed in a web browser.

According to a further aspect, the banking processing unit, the transfer processing unit for processing the transfer process from the customer's social account to the other customer's social account according to the customer's transfer request information received through the customer terminal, and the customer's loan received through the customer terminal Loan management department that deposits social money into the customer's social account according to the requested information and processes the loan and social which converts the actual deposit of cash based on a predetermined cyber exchange rate according to the customer's cash purchase request information received through the customer terminal It may include a cash purchase processing unit for depositing money into the social account of the customer.

At this time, the transfer request information, the non-monetary economic activity information about the non-monetary economic activity provided by the customer, the amount of social money to be transferred to the other customer in return for receiving the non-monetary economic activity and the other customers May include one or more of the information, the loan request information may include customer information or the amount of social money to be loaned, the cash purchase request information includes the amount information to be deposited by the customer or payment means information to deposit the amount can do.

According to a further aspect, the virtual social bank management server mediates the sale of goods or miles or services between customers and requests the transfer processing unit to transfer the social money corresponding to the sale amount from the buyer's social account to the seller's social account. The transaction unit may further include.

According to an aspect, a banking method using a virtual social bank may include receiving account opening or banking request information from a user terminal through a user interface, and requesting non-monetary economic activity information or a non-monetary activity of the customer according to the customer's account opening request. It may include the step of opening a social account for managing the banking information of the social money related to the monetary economic activity and the banking process using the customer's social account according to the customer's banking request.

In this case, the social account may be an online minus account in which a loan limit is determined according to a degree of providing authentication information of a customer including external system activity information.

According to an additional aspect, the banking processing step may include a process of transferring from the social account of the customer to the social account of the other customer according to the transfer request information of the customer received through the customer terminal.

At this time, the transfer request information, the non-monetary economic activity information for the non-monetary economic activity provided by the customer, the amount of social money to be transferred to the other customer in return for receiving the non-monetary economic activity, the other customer's It may include one or more of the information.

According to a further aspect, the banking processing step, the step of converting the actual deposit cash into social money according to a predetermined cyber exchange rate according to the customer's cash purchase request information received through the customer terminal and the converted social money of the customer And depositing a social account.

According to a further aspect, a banking method using a virtual social bank further includes a product transaction step of mediating the sale of goods between customers and transferring the social money corresponding to the sale amount of the goods from the buyer's social account to the seller's social account. can do.

Open a social account of users in connection with an SNS account, and use it to measure and settle non-monetary economic activities and to handle various banking tasks for Internet economic activities such as blogs, intellectuals, cafes, video production, and comments. Can be.

Means of exchange for non-monetary economic activity by users quantifying the value of non-monetary economic activity on and offline by converting it into virtual currency and using the quantified virtual currency to pay for the non-monetary economic activity. Can be provided.

It can be used as a means of exchange for cooperation between corporate customers, and loyal customers can be secured by providing virtual currency in exchange for social activities for the enterprise.

1 is a block diagram of a banking system through a virtual online social bank of non-monetary economic activity according to an embodiment.
2 is a block diagram of an online social bank server according to an embodiment.
3 is a flowchart of a banking method through a virtual online social bank of non-monetary economic activity according to an embodiment.

The details of other embodiments are included in the detailed description and drawings. BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Hereinafter, a banking system and method through a virtual online social bank based on non-monetary economic activity of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of a banking system through a virtual online social bank of non-monetary economic activity according to an embodiment. Referring to FIG. 1, an online social banking banking system 1 includes a social bank server 100 and a customer terminal 200.

Customers may process various banking tasks by communicating with or interworking with the social bank server 100 through their terminals 200. Here, customers are not only general users but also corporate customers. In this case, the customer terminal 200 may include a mobile terminal such as a tablet PC, a smartphone, a PDA, a PMP, a smart TV, a desktop PC, and the like. However, this is only one example and should be construed to include various information processing devices.

Customers install or execute an interface (eg, software, app application, etc.) provided from the social bank server 100 directly on their terminal 200 or through the terminal 100 of the social bank server 100. Access to the social bank server 100 through a web browser interface provided by the can transmit and receive data.

On the other hand, customers are connected to an external system 300, such as social networking service (SNS) system that is being activated recently to communicate with the social bank server 100 through an interface linked with the external system 300 Can be. In this case, the interface may be an application programming interface (API) program for interworking with the external system 300 or an application executed by being inserted into the external system in the form of a plug-in or a widget. Here, the external system 300 may be not only an SNS system but also a portal site, a shopping mall site, a blog, a cafe, a game site, and a company's public relations system. The SNS system may be, for example, facebook, twitter, me2day, Google+ and the like.

The social bank server 100 is a server that manages a virtual social bank, and customers create a virtual social account in the social bank through their terminal 100 and use the social account as a social account of another customer. Various banking services such as transfer of social money, loan of social money, and purchase of social money with real money can be performed.

The social bank banking system 1 according to the present embodiment is not a concept of a banking service using real money, like real banks' internet banking systems, and various non-monetary economic activities and internet economic activities, for example, which are performed by customers offline or online. It may be a banking system using a virtual social money that is quantified as a means of giving or receiving help, providing materials, good deeds, donation activities, information providing, comments, tweets on SNS, and corporate publicity.

2 is a block diagram of a social bank server according to an embodiment. The social bank server 100 will be described in detail with reference to FIG. 2.

As shown in FIG. 2, the social bank server 100 may include an interface unit 110, a customer management unit 120, and a banking processor 130. The interface unit 110 may interface with the customer terminal 200 through a user interface to receive various request information from the customer terminal 200 and provide a result of the request to the customer terminal 200. The customer manager 120 may manage a customer's information such as registering a customer who uses a social bank and opening a social account of the customer. The banking processor 130 may process various banking tasks such as transferring social money to another customer, loaning or purchasing social money, or the like by using a social account of the customer at the request of the customer.

More specifically, the interface unit 110 may include an interface providing unit 111, a request receiving unit 112, a result providing unit 113, and an external system linking unit 114.

The interface providing unit 111 may provide the user terminal 200 with a user interface for performing various banking tasks in a social bank. The user interface may be made to fit the platform of various customer terminals 200. For example, the user interface is an application that is directly installed and executed on a customer terminal such as a smartphone, a tablet PC, or a smart TV, or various web browsers (Google, Chrome, Firefox, IE, Safari, etc.) of a terminal capable of internet communication such as a general computer. ) May be a web page that is driven. Or it may be an API interworking program with an external system 300, such as SNS or portal sites.

The request receiver 112 may receive various request information from the customer through the customer terminal 200. In this case, the request information may be a request for membership registration, an account opening request, a banking request, or the like. The customer may request membership by entering various customer information (eg, name, age, gender, occupation, address, etc.) in the interface. According to one embodiment, the request receiving unit 112 is a customer from the external system (for example, SNS, Naver, portal systems such as Daum, public relations systems of various companies, etc.) linked through the external system linking unit 114 In connection with an account of an external system such as SNS, an automatic member registration request can be received.

The result providing unit 113 may provide a result of processing the various request information requested through the request receiving unit 112 to the requested customer terminal through the user interface.

The external system linking unit 114 allows the external system 300 such as an SNS, a portal site, a shopping mall site, or a game site to be linked to each other in the form of an API or a plug-in or a widget. By accessing the system 300, the external system 300 may support various non-monetary economic activities and perform various tasks through social banks at the same time.

Customer management unit 120 may include an account opening unit 124 and the social account DB (125). The account opening unit 124 may open a social account in a virtual social bank according to a request for opening an account of the customer and store the social account in the social account DB 125. At this time, the social account is an account for managing the virtual social money of the customer's non-monetary economic activity, the virtual social money is a non-monetary economic activity such as SNS or blog activity, commenting on corporate publicity, providing data, preceding activities It can be used as a means of payment among customers. The social account may manage various non-monetary economic activity information or banking information about the non-monetary economic activity. In this case, the non-monetary economic activity information may include the content, type, time, party, value of the non-monetary economic activity. In addition, the banking information may include the amount paid for the non-monetary economic activity for each customer, the amount paid for the non-monetary economic activity, the current loan information of the social money and the amount of the social money purchased in cash. Can be.

In recent years, portal sites or companies are using them as a means of publicity by donating to charity in their own name instead of earning certain points and returning them to customers according to the degree of their activities on their portal sites. However, in this case, the customer is not particularly motivated and the customer often ignores it.

In the present embodiment, the degree to which customers have their own social accounts and their activities, for example, earning a certain social money in return for providing help to other customers, or promoting companies or activities on portal sites, etc. Because it is possible to earn social money, customers can donate the accumulated social money to charity or purchase goods in their own name, thereby making the non-monetary economic activities harder. Therefore, companies can increase the publicity effect by general customers' hard work of non-monetary economic activities.

According to an additional aspect, the social account may be a negative account in which the negative loan limit is determined according to the credit level of the customer. In addition, the social account may be generated for each account in association with an external system 300 account such as SNS, or may generate an integrated social account integrating the same. The degree of credit of the customer may be determined by the degree to which the customer provided authentication information. The table below illustrates loan limits and credit ratings depending on the degree of authentication information provided.

Certification Information Loan Limit Credit rating Email Authentication -10 million won 6 Email, Twitter mention verification -20 million won 5 Email, Twitter mentions, Facebook URL verification -30 million won 4 Email, Twitter Mention, Facebook URL, Mobile Phone Verification -50 million won 3 Email, Twitter mention, Facebook URL, mobile phone, public certificate certification -100 million won 2 Email, Twitter Mention, Facebook URL, Mobile Phone, Authorized Certificate, Credit Card Verification -200 million won One

As above, the credit rating and the loan limit may be determined according to the degree of authentication provided by the customer. However, this is just an example and can be further adjusted according to the degree of SNS activities such as Twitter and Facebook, and the degree of non-monetary economic activity in external systems.

According to an additional aspect, the social bank server 100 may further include a customer register 121 and a customer information DB 122. The customer registration unit 121 may store customer information in the customer information DB 121 according to the customer registration request information received by the request receiving unit 112. Customer information may be basic information such as name, age, gender, address, occupation of the customer, and may additionally include external system account information such as SNS.

According to an additional aspect, the social bank server 100 may further include a credit management unit 123. The credit management unit 123 may determine the credit rating and store in the customer information DB 121 according to the degree of the authentication information provided by the customer as shown in the table above, and also, through the external system linking unit 114 The degree of activity in the external system 300 can be determined to adjust the credit rating. Alternatively, the non-monetary economic activity information, social money transfer history, balance, etc. can be identified in the customer's social account to adjust the customer's credit rating.

The banking processor 130 may include a transfer processor 131, a loan manager 132, and a cash purchase processor 134. The transfer processing unit 131 may transfer processing from the social account of the customer to the social account of another customer according to the transfer processing request of the customer. When a customer receives certain help from another customer, they can transfer their social money to that customer's social account in return for that help. Alternatively, corporate customers can pay social money by transferring it to their customers.

At this time, the transfer request information is the non-monetary economic activity information about the non-monetary economic activity provided by the customer, the amount of social money to be transferred to the other customer in exchange for receiving the non-monetary economic activity, and the information of the other customer. Can include them. In other words, customers can input and process information such as the type of help provided from other customers, the amount of transfer, the party to be transferred, and the like.

At this time, the transfer amount for the help can be arbitrarily determined between the customers. According to an additional aspect, the value can be quantified and managed according to various types of non-monetary economic activity. This allows transfers only within the limits of their quantified value.

Loan management unit 132 may process the loan by depositing the social money to the customer's social account at the request of the customer. At this time, the loan management unit 132 may determine the customer loan limit by checking the customer's credit rating in the customer information DB (122). The customer can improve his or her credit rating according to the situation in the external system 300 interlocked through the external system interworking unit 114, or provide additional authentication information as illustrated in the table above. Can improve the grade. In this case, the loan request information may include customer information to be loaned and social money amount information to be loaned.

The cash purchase processor 133 may deposit the social money, which is converted based on a predetermined cyber exchange rate, of the actually deposited cash according to the cash purchase request information of the customer, into the customer's social account. In other words, customers can actually pay cash and buy social money. Customers may need more social money to get more help from others. Customers can earn social money in their social accounts by doing more non-monetary economic activities, such as providing help, providing donations, providing information, providing information, and commenting, to earn social money. You can also purchase the social money with real cash. In this case, the cash purchase request information may include information on the amount of money to be deposited by the customer or payment means information to deposit the amount. In addition, the social money may be purchased through the linked external system 300, for example, a mileage or a storage point of a shopping mall, a portal site, a game site, or the like.

On the other hand, according to an additional aspect, it may further include an exchange rate DB (133) for storing the exchange rate information of the actual cash or earn points and the like. The cash purchase processor 133 may convert the actual cash deposited into the social money based on the exchange rate information of the exchange rate DB 133 and deposit the converted amount into the social account of the customer. In this case, the exchange rate information may be periodically adjusted, and may be managed for each customer by differentiating according to the age, occupation, and credit rating of the customer. In addition, the cash purchase processing unit 133 may check the age, occupation, and credit rating of the customer in the customer information DB 122 to determine the limit of money exchange according to the age, occupation, and credit rating of the customer. .

According to an additional aspect, the social bank server 100 may further include a commodity trading unit 135. The commodity trading unit 135 may request the transfer processing unit 131 to mediate the sale of goods between customers and transfer the social money corresponding to the commodity price from the buyer's social account to the seller's social account. For example, when a product is purchased at an associated shopping mall site or a paid game item is purchased at a game site, purchasers may pay the price with social money. Then, the shopping mall or game site, etc. may pay their money to the customer instead of earning points. In addition, the commodity trading unit 135 may operate a separate open market to sell and sell various products and services settled by social money.

3 is a flowchart illustrating a banking method using a virtual social bank, according to an exemplary embodiment. A banking method using a virtual social bank will be described with reference to FIG. 3.

First, the social bank server 100 receives the account opening request information from the customer terminal through the user interface (step 510). As described above, the user interface may be an application that can access the social bank server 100 from the customer terminal 200 and process a virtual social bank related task. For example, the application may be installed and executed directly on a terminal such as a smart phone, a tablet, and a smart TV. Or it may be in the form of web content that can be integrated control of social banking work through a web browser, such as a computer or a smart terminal. Or it may be an API for interworking with SNS, portal system, and the like.

The social bank server 100 may set a loan limit according to the degree of authentication provided by the customer and open a social account of the customer (step 520). In this case, the social account may be a negative account that can be freely used within the loan limit of the customer. As illustrated in the table above, customers can open a social account by determining the loan limit according to the authentication information provided by the customers to authenticate themselves, and the social account is linked with an external system (eg SNS system) account. Can be created per account.

The social bank server 100 may receive the banking request information from the customer terminal 200 through the user interface (step 540). Customers may enter various banking request information into their terminal 200 through the provided user interface and perform banking tasks. In this case, the banking request information includes non-monetary economic activity type, transfer amount, transfer request information including party information, or customer information, loan request information including loan amount or cash to be deposited, payment means information including payment method information. Information.

The social bank server 100 may then process the banking request using the customer's social account in accordance with the customer's banking request (step 550).

For example, as described above, a customer may be provided with help from another customer and, in return, process the transfer work in response to a request to transfer a certain social money from his social account to his or her social account. (Step 551).

Alternatively, when loan request information is input from the customer, the loan limit may be checked and the loan business may be processed (step 552).

Alternatively, in response to a request for customers who lack social money to purchase social money with their actual cash or points earned in an external system, the exchange rate information is converted into the social money of the customer by checking the exchange rate information in the exchange rate database 133. The deposit can be made to the account (step 553).

On the other hand, it is possible to additionally broker the sale of goods between customers and transfer the social money corresponding to the sale amount of the product from the buyer's social account to the seller's social account.

Meanwhile, the embodiments of the present invention can be embodied as computer readable codes on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device and the like, and also a carrier wave (for example, transmission via the Internet) . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion. And functional programs, codes and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention belongs.

It will be understood by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the foregoing detailed description, and all changes or modifications derived from the meaning and scope of the claims and the equivalents thereof are included in the scope of the present invention Should be interpreted.

100: social bank server 110: interface unit
111: interface providing unit 112: request receiving unit
113: result providing unit 114: external system interworking unit
120: customer management department 121: customer registry
122: Customer Information DB 123: Credit Management Department
124: account opening section 125: social account DB
130: banking processing unit 131: transfer processing unit
132: loan management unit 133: exchange rate DB
134: cash purchase processing unit 135: commodity trading unit
200: customer terminal 300: external system

Claims (14)

Request receiving unit for receiving the account opening or banking request information from the user terminal through the user interface;
An account opening unit that opens a social account for managing the non-monetary economic activity information of the customer or the banking information of the social money related to the non-monetary economic activity according to the customer's request to open the account; And
And a banking processor configured to process the banking request by using the customer's social account according to the banking request of the customer. The method of claim 1, wherein the social account,
Online social bank server, which is an online minus account whose loan limit is determined by the degree of customer's authentication information including external system activity information. The method of claim 1, wherein the social account,
An online social bank server created in association with the customer's external system account. According to claim 1, The non-monetary economic activity information,
Contains one or more of the content, type, time of the non-monetary economic activity, the parties and the value information of the non-monetary economic activity,
The banking information,
Online, which includes one or more of the amount paid by customers for non-monetary economic activity, the amount paid for non-monetary economic activity, the current loan information of social money and the amount of social money purchased in cash. Social Bank Server. The method of claim 1, wherein the user interface is
An online social bank server, which is one of an application installed and executed in a customer terminal, an application executed in an external system in conjunction with an external system, and an application executed in a web browser. The method of claim 1, wherein the banking processing unit,
A transfer processing unit transferring the transfer process from the social account of the customer to the social account of another customer according to the transfer request information of the customer received through the customer terminal;
A loan management unit for depositing and processing social money into a social account of the customer according to the loan request information of the customer received through the customer terminal; And
An online social bank server comprising: a cash purchase processing unit for depositing social money, which is converted into cash based on a predetermined cyber exchange rate, according to a customer's cash purchase request information input through a customer terminal to a social account of the customer; . According to claim 6, The transfer request information,
Includes non-monetary economic activity information about the non-monetary economic activity provided by the customer, the amount of social money to be transferred to the other customer in return for receiving the non-monetary economic activity, and information of the other customer; ,
The loan request information,
Include customer information or the amount of social money to be lent,
The cash purchase request information,
An online social bank server containing amount information to be deposited by the customer or payment method information to deposit the amount. The method of claim 1,
An online social bank server further comprising a product transaction unit for brokering the sale of goods or miles or services between customers and transferring the social money corresponding to the sale amount from the buyer's social account to the seller's social account. Receiving account opening or banking request information from a user terminal through a user interface;
Opening a social account for managing the non-monetary economic activity information of the customer or the banking information of the social money related to the non-monetary economic activity according to the customer's request to open an account; And
Banking process using the customer's social account according to the customer's banking request; banking method using an online social bank comprising a. The method of claim 9, wherein the social account,
A banking method using an online social bank, which is an online minus account whose loan limit is determined by the degree of customer's authentication information including external system activity information. The method of claim 9, wherein the banking processing step,
Banking method using an online social bank comprising a; processing the transfer from the social account of the customer to the social account of the other customer according to the transfer request information of the customer received through the customer terminal. The method of claim 11, wherein the transfer request information,
Non-monetary economic activity information about a non-monetary economic activity provided by another customer, including the amount of social money to be transferred to that other customer in return for receiving the non-monetary economic activity, and one or more of the other customer's information. Banking method using online social bank. The method of claim 9, wherein the banking processing step,
Converting the actually deposited cash into social money according to a predetermined cyber exchange rate according to the cash purchase request information of the customer received through the customer terminal; And
And depositing the converted social money into a social account of the customer. 10. The method of claim 9,
A product trading step of brokering a product sale between customers and transferring a social money corresponding to the sale amount of the product from the buyer's social account to the seller's social account; The banking method using the online social bank further comprising.

Images