KR20150080431A - Method and apparatus for providing global banking service using communication application on mobile device - Google Patents

Abstract

The present invention relates to a method for providing an online banking service among other countries using an application installed in a mobile device and the computer, and an apparatus therefor. The present invention relates to a method for providing a financial service for an international user whose bank server has been registered in a platform provider server. When a first station virtual account is set in a first station bank server for a first station user in a communication application provided from a first station platform provider server, a second station bank server receives an open request of a second station virtual account for the first station user from the first station bank server. When a currency exchange request is read from a chat message of a first station user input through an application, a second station bank server is capable of transferring a currency exchange amount, which is a second station currency exchanged from a first station currency principal deposited in the first station virtual account, to the second station virtual account.

Description

METHOD AND APPARATUS FOR PROVIDING GLOBAL FINANCIAL SERVICE USING A COMMUNICATION APPLICATION AND ITS GLOBAL BANKER SERVER

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing online banking services between other countries by using an application installed in a mobile device or a computer.

The tourism industry is a high value-added industry that can earn high profits by investing a relatively small amount of resources. Its importance is widely recognized in the national economy. In addition, due to the Korean Wave craze that started in Japan, the number of tourists visiting Korea from various countries such as China, Southeast Asia, etc. is increasing.

Foreign tourists, such as Japanese and Chinese, are more likely to spend cash in Korea before they visit Korea or in Korea by exchanging their currencies into Korean won, compared to Koreans with a higher credit card usage. Therefore, when visiting Korea, tourists must have a large amount of cash, so there is a risk of stolen as well as inconvenience during travel activities.

Although foreign tourists can use the credit card-based cash lending service of a global credit card company at domestic ATMs, the cash lending service fee is very high, which can be a heavy burden for tourists. In reality, it is difficult for foreign tourists to open a Korean account, so it is difficult to transfer travel expenses to a Korean account before visiting Korea in advance, and even if a Korean account can be opened, foreign tourists start trading with the Bank of Korea for short- It is difficult to open a Korean account directly.

The present invention allows a bank server to provide a user of a communication application with a virtual account or a platform provider's business account from a bank server in each country, It suggests how to handle account services and financial services.

In addition, the present invention proposes a method for providing a financial service based on a financial service menu of a chat message or an application that a user inputs a chat dialog using a communication application.

According to various embodiments, a method for providing a financial service to an international user whose bank server is registered in a platform provider server includes: a first station user of the communication application provided by the first- When a first bank virtual account for a first station user is established by a first bank server, a bank server of a second bank receives from the first bank server a second bank virtual server for the first station user, Receiving an open request for an account; And when the exchange request is read from the chat message of the first station user input through the application, the bank server of the second station notifies the second station exchanged from the first station call deposit deposited in the first station virtual account And depositing the currency exchange amount into the virtual account of the second station.

According to various embodiments, a method for providing a financial service to an international user whose bank server is registered in a platform provider server includes receiving a financial service using the application from a first station user of a communication application provided by the first- , The first bank server establishes a first virtual bank account for the first station user and transmits a second bank virtual server account opening request for the first station user to the second bank server ; And when the exchange request is read from the chat message of the first station user input through the application, the first bank server sends the exchange request to the first station, And transmitting a deposit request to the bank server of the second country so that the exchange amount of the local currency is deposited into the virtual account of the second station.

A method for providing financial services to an international user registered in a platform provider server in accordance with various embodiments includes receiving a subscription for a financial service using the application received from a first station user of a communication application provided by a first- Processing the application; The first platform platform provider server transmits to the first bank server a request for opening a first virtual bank account for the first station user based on the parent account set for the first platform platform operator server ; The first platform platform provider server transmits a currency exchange request for exchanging the first country currency principal deposited in the first country virtual account to the second country currency from the chat message of the first station user input through the application, ; And the first-station platform provider server transmits to the first-station bank server, a second-station bank server of the second-station currency exchange amount of the second-station currency exchanged from the first-station currency principal deposited in the first- And transmitting the exchange request to be transferred to the second country virtual account, wherein the exchange request is transferred from the first country bank server to the second country bank server.

When a first-station user of a communication application provided by a first-party platform provider server subscribes to a financial service using the application, a bank server that provides financial services to international users registered in the platform- A virtual account for receiving a request to open a second virtual account for the first station user from the bank server of the first station when the first station virtual account for the first station user is set by the first bank server, An opening request reception unit; A virtual account management unit for setting the second station virtual account to the first station user based on the parent account set for the second platform platform business server and managing information about the second station virtual account and the first station user, ; And, when the exchange request is read out from the chat message of the first station user inputted through the application, the exchange fee of the second station call, which is the exchange from the first station call deposit deposited in the first station virtual account To the second station virtual account.

According to various embodiments, when a first-station user of a communication application provided by a first-party platform provider server subscribes to a financial service using the application, a bank server that provides financial services to international users registered in the platform- A virtual account opening request unit for setting a first virtual account for the first station user and transmitting a request for opening a second station virtual account for the first station user to the second bank server; A virtual account manager for setting the first station virtual account to the first station user based on the parent account set for the first platform platform operator server and managing information about the first station virtual account and the first station user, ; And when the exchange request is read from the chat message of the first station user input through the application, the first bank server transmits the exchange request from the first station to the first station, And an account task requesting unit for sending a deposit request to the bank server of the second country so that the exchange amount of the second country currency is deposited into the second country virtual account.

According to various embodiments, a platform provider server that provides financial services to international users processes a subscription application for a financial service using the application from a first-station user of a communication application provided by a platform service provider server of the first station, A subscription request processing unit for transmitting to the first-station bank server a request for opening a first-station virtual account for the first-station user based on a parent account set for the first-station platform provider server; A message reading unit for reading, from a chat message of the first station user inputted through the application, a exchange request for exchanging the first party currency currency deposited in the first station virtual account to the second currency; And the first platform platform provider server transmits to the first bank server a currency exchange amount of the second currency exchanged from the first currency call deposit deposited in the first station virtual account to the bank server of the second station And a banking service requesting unit for transmitting a banking request for depositing the money to the second station virtual account, wherein the money exchange request is transmitted from the first bank bank server to the second bank bank server.

According to various embodiments, a method for providing a financial service to an international user whose bank server is registered in a platform provider server includes the steps of: a first station user of a communication application provided by the first- When the subscription is made, the first-station account for the first-station user is opened by the first-station platform operator server, and when the predetermined money of the first-station user is deposited in the account of the first- Receiving from the first platform platform provider server a request for opening a second account for the first station user; And when the exchange request is read from the chat message of the first station user input through the application or when the exchange request is received through the exchange menu of the application, And depositing the exchange amount, which is the second currency, into the account of the second country.

And a money exchange amount, which is the second currency converted from the first currency of the first country deposited in the account of the first country platform provider, on the basis of the exchange request, into the account of the second country.

The method further comprises the step of the second bank server setting the settlement amount with the first platform vendor server after the currency exchange amount of the second country currency is deposited into the account of the second country .

Wherein the first platform platform provider server manages the deposited funds based on a customer account identifier including at least one of a customer ID of the first station user, a card number of the physical card associated with the financial service, .

When the exchange request is read from the chat message of the first station user input through the application or when the exchange request is received through the exchange menu of the application, the bank server of the second station interlocks with the platform server of the first station , Checking the balance range of the deposited amount of the user of the first station on the basis of the customer account identifier, and transferring the exchange amount, which is the second station's currency, to the account of the second station within the checked balance range So that the amount of money to be exchanged can be paid out through an ATM device connected to the second bank server by a computer.

Authentication with the application, authentication of the real card via a card company server or an affiliate server linked with the bank server of the second country or the bank server of the second country, authentication of the real card through the ATM server, One of the authentication by the proprietary information of the one platform provider is performed.

The platform provider server according to the present invention interprets the chat message input by the user using the communication application into the chat window and obtains the financial service request information and transmits it to the bank server so that the user installs an application for a separate financial service A financial service can be provided to a user without directly accessing a bank server.

Since the bank server according to the present invention establishes a parent account to the platform provider server and sets a virtual account to the user of the communication application based on the parent account, the user does not need to open a bank account directly. In particular, It can also provide an account-based financial service.

In the case of a currency exchange service, the exchange rate may be applied to the first country currency at a rate advantageous to the user, and the money may be transferred to the second country currency after being converted into the second country currency. In addition, since the second country currency can be withdrawn from the second country virtual account at the automation device or branch office of the second country bank, the burden of the cash transportation can be reduced since it is not necessary to carry a large amount of money directly.

In addition, since the prepaid card of the second-country credit card company associated with the second-country virtual account is issued to the first-station user and is registered for use through the application, the payment made using the prepaid card at the second- It can be settled on the basis of the deposit amount of the account.

In addition, it is difficult for first-country users to directly collect information on financial benefits or affiliate benefits in the second country. However, since the credit card company of the second country and the affiliate provide the benefit service for the prepaid card, If you pay the purchase price by using prepaid card, you can get benefits service provided by affiliate.

FIG. 1 is a block diagram illustrating a system for providing a global financial service through a communication application (hereinafter referred to as "application") provided by a platform provider server according to various embodiments; 2 shows a block diagram of a dual bank server.
Figure 2 shows a flow diagram of a method for providing a global financial service through an application by a first country platform carrier server, a second country platform carrier server, a first country bank server and a second country bank server in accordance with various embodiments.
FIG. 3 illustrates an interface screen to which a message requesting a user to exchange money is inputted through an application according to an embodiment.
4A illustrates a process in which a Japanese customer of an application provided by a Japanese platform provider subscribes to global financial services according to an embodiment.
FIG. 4B illustrates a process for a Japanese customer to convert a Japanese yen into a Japanese yen through an application according to an embodiment.
4C illustrates a process for a Japanese customer to re-currency a won through an application according to one embodiment.
4D shows a process in which a Japanese customer of an application provided by a Japanese platform provider subscribes to global financial services according to another embodiment
Figure 5 illustrates a process for transferring funds between members of an application in accordance with another embodiment.
Figure 6 illustrates a process for a member of an application to purchase content through an application in accordance with another embodiment.
FIG. 7 shows a process for payment at a domestic merchant using a prepaid card which is issued by a member of an application in another country in another embodiment.
Hereinafter, with reference to FIGS. 1 to 7, there will be described, via a network between a first country platform server server, a first country bank server, a second country bank server and a second country platform server server according to various embodiments of the present invention, A method for providing a user with a global financial service using an application is described in detail. It should be noted that, in adding reference numerals to the constituent elements of the respective drawings, the same constituent elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

1 is a block diagram of a first-party platform provider server 130, a second-country platform provider server 170, and a first-country bank server (e. G. 110, and a second country bank server 150. As shown in FIG. FIG. 2 is a block diagram illustrating an exemplary embodiment of the present invention in which a first country platform server server 130, a second country platform server server 170, a first country bank server 110 and a second country bank server 150, Lt; RTI ID = 0.0 > financial < / RTI >

'Platform business' means a business that generates profits by allowing users and developers to easily exchange various content and services in the media industry through networks and network communications. Conventional platform operators refer to mobile communication carriers and broadcasters that transmit broadcast contents. However, in an environment where the online media industry is rapidly developing, Internet portal operators and online communication service providers that provide universal media covering texts, images, and videos can be classified as platform operators.

The first server platform provider server 130 according to an embodiment provides a communication service or a social networking service (SNS) service in the first station, and can provide a communication application such as a messenger to a user. The communication application may be a mobile application installed on the terminal or a website for providing an online communication service.

The second-country platform provider server 170 may also be a provider that provides a communication service or an SNS service in the second station.

The communication application according to an embodiment may include a program for delivering instant messages input by users to both parties so that 1: 1 conversation and group conversation between users are possible. The communication application according to one embodiment not only has a function of simply transmitting a text message according to the type of a program but also a program capable of transmitting a file such as a document file, a graphic file, a voice file, etc. using the Internet .

The first platform platform provider server 130 according to an embodiment is operated by the platform business entity of the first station and the second platform platform vendor server 170 is operated by the platform business entity of the second platform. The first-country platform provider, which is the operating entity of the first-country platform provider server 130, and the second-country platform provider, which is the operating entity of the second-country platform provider server 170, may be independent entities, have.

According to one embodiment, the first-station platform provider server 130 and the second-station platform provider server 170 independently provide services to respective users but can provide similar services or mutually compatible services. The first server platform provider server 130 and the second server platform server server 170 may share the customer information of the user of the correspondent station according to the type of service and may permit the use of the user of the other terminal.

In the present invention, through the network 100 between the first country platform server server 130, the second country platform server server 170, the first country bank server 110 and the second country bank server 150, A global financial service for a first-country user who is a member of the one-country platform provider server 130 may be provided.

The first platform platform provider server 130 and the second platform platform provider server 170 can provide a financial service using the communication application to the first station user. Hereinafter, the communication application provided by the server of the first country platform provider is abbreviated as " first station application ".

So that the user of the first station can use the financial service based on the first account by subscribing to the financial service using the application without having to open an account directly by the user of the first station, Can be set. In addition, since the first station user can not open an account in his / her own name in the second station, in order for the first station user to conduct financial transactions based on the account of the second bank server 150, I need a virtual account that I usually do.

To this end, the platform operator of the first country and the platform operator of the second country may each be the parent account of the virtual account set for the first-country user at the home bank. The first-country bank server 110 can set the first-country parent account to the first-station platform operator and set the virtual account to the first-station user based on the first-country parent account. The second-country bank server 150 may also set up a second-country parent account to the second-party platform provider and a virtual account to the first-station user based on the second-party parent account.

In another embodiment of the present invention, a provider account of a first-country platform provider is opened in a first-country bank for a first-country user, and funds of the first-country user are deposited in the account of the first country in the account . The first-country platform operator may manage the deposited funds based on the customer account identifier of the first-country users deposited in the operator account. Here, the customer account identifier may be a customer ID or a customer identifier of a communication application provided to a first-country platform provider, and may be a card number of a real card associated with a financial service.

Hereinafter, the virtual account registered in the first bank server 110 for the first station user is referred to as a 'first bank virtual account' and the virtual account registered in the second bank server 150 is referred to as a ' Account. &Quot;

The first server platform provider server 130 according to various embodiments may include a subscription request processing unit 132, a message reading unit 134, and an account task request unit 136.

The subscription application processing unit 132 of the first platform platform provider server 130 can process the subscription application for the financial service using the application from the first station user. An online subscription application may also be accepted, and the subscription application may be processed at the same time as the subscription application is received.

The message reading unit 134 of the first platform platform provider server 130 may decrypt the chat message of the first station user input through the application and receive the request for utilization of the financial service. For example, the message reading unit 134 may read the exchange request from the chat message of the first station user.

The account task requesting unit 136 of the first platform platform provider server 130 may transmit the exchange request of the first station user to the first bank server 110. [

The first bank server 110 according to various embodiments may include a virtual account opening request unit 112, a virtual account management unit 114, and an account service request unit 116.

When the virtual account opening request unit 112 of the first-country bank server 110 receives information that the first-station user has subscribed to the financial service using the application provided by the first-station platform provider server 130, The first station virtual account can be set for the first station user. In addition, the virtual account opening requesting unit 112 may transmit a request to open the second station virtual account for the first station user to the bank server 150 of the second station. In another example, rather than the first country bank server 110, the first platform carrier server 130 may request the second country bank server 150 to open a second country virtual account for the first country user The virtual account of the first station and the virtual account of the second station can be opened by online application, respectively, and the authentication process can be performed to complete the registration. The first-station virtual account and the second-station virtual account are each a prepaid-type account. In order to utilize the financial service through the application, the user of the first station may transmit the charged amount to a bank transfer service using a bank channel such as Internet banking, visit to a branch office or an ATM machine (Automatic Teller's Machine), credit card payment, direct cash deposit , It can be charged to each virtual account through the parent account. Also, the limit of the amount of money that can be transferred to the first country virtual account and the second country virtual account can be determined in advance.

The first station virtual account management unit 114 of the first bank server 110 sets the first station virtual account to the first station user based on the parent account set for the first platform platform carrier server 130. [ The first-station virtual account management unit 114 can manage information on the parent account of the first-station virtual account and the first-station virtual account, the first-station user who is the account owner of each account, and the first-

The account service request unit 116 of the first country bank server 110 can process the account service on the basis of the financial service use request of the first station user received through the application. The account service requesting unit 116 may also transmit the request of the first station user to the bank server of the second station when the first station user requests the financial service based on the account of the second station. For example, when the exchange request from the first station call to the second station call is read from the chat message of the first station user input through the application, the account task request unit (" 116 transmits a currency exchange request to the second bank server 150 so that the exchange amount of the second currency exchanged from the first currency call deposit deposited in the first station virtual account is transferred to the second station virtual account Can be requested.

The second bank server 150 according to various embodiments may include a virtual account opening request receiving unit 152, a second station virtual account managing unit 154 and an account service processing unit 156.

When the first-station user subscribes to the financial service using the first station application, the virtual account opening request receiving unit 152 of the second- A request for opening the second-station virtual account for the user can be received. In another example, a request for opening a second station virtual account for the first station user may be received from the first station platform operator server 130. [

The second station virtual account management unit 154 of the second country bank server 150 can set the second station virtual account to the first station user based on the parent account set for the second platform platform carrier server 170 . Accordingly, the second-station virtual account management unit 154 can manage information on the second-station virtual account, the parent account, the user of the first station, which is the account owner of each account, and the platform operator of the second station.

The account transaction processing unit 156 of the second country bank server 150 can receive the financial transaction request read from the chat message of the first station user entered into the first station application from the first bank server 110 have. For example, in the case where the exchange request for exchanging the first station call from the first station user's chat message to the second station call is read from the chat message by the first station platform carrier server 130, (156) receives the exchange request from the first bank server (110), and transfers the exchange amount of the second currency exchanged from the first currency call deposit deposited in the virtual account of the first station to the virtual account of the second station Can be processed.

The second platform platform provider server 170 according to various embodiments may include a customer information database 172.

The second-country platform provider server 170 receives the customer information about the first-station user who subscribed to the global financial service through the first-station application from the first-station platform provider server 130 and transmits the customer information database 172 ). ≪ / RTI >

The global financial service through the first station application according to various embodiments may include a currency exchange service, an account transfer service, a first country merchant payment service, a second country merchant payment service, and the like. As well as the exchange service from the first country currency to the third country currency, such as DF (Deliverable Forward) currency, as well as the exchange service from the first country currency to the second country currency.

A specific process for providing a currency exchange service from a first country currency to a second country currency among the financial services using the first station application according to various embodiments will be described in detail with reference to FIG.

In step 211, the subscription request processing unit 132 of the first-country platform provider server 130 can process the subscription request for the financial service using the first station application received from the first station user of the first station application have.

The subscription request processing unit 132 notifies the first bank server 110 and the second terminal platform provider server 170 of the customer information about the first station user Can be transmitted.

The subscription application processing unit 132 of the first platform platform provider server 130 sends the virtual account establishment request unit 112 of the first bank server 110 to the first platform platform provider server 130, The first-station virtual account can be transmitted to the first-station user based on the parent account set for the first-station virtual account.

The subscription request processing unit 132 notifies the virtual account establishment request unit 112 of the first bank server 110 of a request for opening a virtual account of the second station for the first station user, Information can be transmitted.

When the user of the first station prepays the prepaid amount in advance to the platform server 130 of the first station to use the financial service, the first bank server 110 transmits the prepaid amount to the first server of the platform server 130 The prepaid charging amount can be deposited and the prepaid charging amount can be transferred to the virtual account of the first station.

In step 215, the message reading unit 134 of the first-country platform provider server 130 receives, from the chat message of the first-station user input via the first station application, The exchange request to exchange the currency principal to the second currency can be read. The message reading unit 134 can read the exchange request amount together with the exchange request from the chat message.

In step 217, the account task request unit 136 of the first platform platform operator server 130 may forward the exchange request to the account task request unit 116 of the first country bank server 110. The information on the exchange request and the exchange requested amount read out in step 215 may be transmitted to the first bank server 11.

In step 233, the virtual account opening requesting unit 112 of the first-country bank server 110 determines whether or not to open the global banking through the first-station application, based on the request of the first- The first station virtual account can be set for the first station user who subscribed to the service. The virtual account opening requesting unit 112 may transmit a request for opening the virtual account of the second station for the first station user to the account opening request receiving unit 152 of the second station bank server 150. [

When the virtual account opening request unit 112 of the first bank server 110 transmits a virtual account opening request to the account opening request receiving unit 152 of the second bank server 150, Can be transmitted together with the customer information.

The first station virtual account management unit 114 stores information about the first station user, information about the first station virtual account opened for the first station user, and information about the first account of the first station virtual account, As shown in FIG.

Based on the exchange request transmitted from the first-country platform provider server 130 in step 217, the account service request unit 116 of the first-branch bank server 110 in step 237 receives the exchange request from the second- And can transmit the exchange request to the account service processing unit 156. [ The account task requesting unit 116 of the first country bank server 110 notifies the account task processing unit 156 of the second country bank server 150 of the first country currency balance deposited in the first country virtual account in real time And request the deposit processing so that the exchanged second country currency is deposited into the second country virtual account.

The first bank server 110 transmits the exchange request telegram including information on the exchange request amount in accordance with the exchange request transmitted from the account task request unit 136 of the first platform carrier server 130, To the account transaction processing unit 156 of the national bank server 150.

The account opening request receiving unit 152 of the second bank server 150 may receive the virtual account opening request transmitted from the first bank server 110 in Step 237 in Step 253. In other words, the account opening request receiving unit 152 of the bank server 150 of the second-country bank is provided with the first banking request receiving unit 152 so that the first-station user joins the global financial service through the first- A station user may be asked to open a second country virtual account.

Based on the exchange request for the first station user transmitted from the first station platform server server 130 to the first station bank server 110 in step 237, The processing unit 156 may receive information on the amount of the exchange request from the first bank server 110 and a transaction message including the deposit request.

According to one embodiment, the account task requesting unit 116 of the first bank server 110 applies the first country exchange rate to the exchange request amount, which is the first country currency, in real time as the exchange request is received, And the account task request unit 116 may request the account task processing unit 156 of the second country bank server 150 to transfer the exchange amount as the second country currency and deposit the money in the second country virtual account . The first bank server 110 can receive the exchange fee from the exchange principal and remit the remaining money to the second bank server 150. [

According to one embodiment, the account service request unit 116 of the first bank server 110 transmits a currency exchange request to the account transaction processing unit 156 of the second bank server 150 in real time upon receipt of the exchange request And transfer the money exchange request deposited in the first country virtual account to the second country virtual account of the second country bank server 150. The account transaction processing unit 156 of the second country bank server 150 converts the second country currency into the second country currency by applying the second country exchange rate at the time of the exchange request to the exchange request for the first country currency, As shown in FIG. The second-country bank server 150 can receive the exchange fee from the exchange principal and deposit the remaining exchange amount in the second-country virtual account.

As another example, the first bank server 110 and the second bank server 150 may selectively exchange the first currency call to the second currency by selectively applying a more favorable exchange rate to the consumer.

When the first country currency is converted to the second country currency, the exchange rate of the second country may generally be more advantageous to the consumer than the exchange rate of the first country. Accordingly, the account task request unit 116 of the first bank server 110 delivers the exchange request to the account task processor 156 of the second bank server 150, The principal of one currency can be transferred to the virtual account of the second country. The account transaction processing unit 156 of the second country bank server 150 applies the second country currency exchange rate to the first country currency currency deposited in the second country virtual account to perform the exchange processing to the second country currency, Transfer to the second station virtual account.

If the exchange rate in the first country is more advantageous to the consumer than the exchange rate in the second country, the account task request unit 116 of the first country bank server 110 sends the first transaction to the first station After the exchange of the currency of the first country to the currency of the first country and the conversion to the currency of the second country, the money transaction processing unit 156 of the second country bank server 150 deposits the exchange amount of the second currency into the virtual account of the second country .

A user of the first station can receive the financial service using the account in the second station based on the money of the second station deposited in the virtual account of the second station.

The bank server processing the currency exchange may charge the first station user a predetermined exchange fee. For example, an amount reduced by the exchange fee from the exchange principal to which the exchange rate is applied on the principal may be provided to the first-station user as the exchange rate. In terms of the exchange rate as well as the exchange fee, since the exchange request is received using the online application, a relatively low exchange fee can be determined than the offline exchange request.

According to various embodiments, the account business processing unit 156 of the second country bank server 150 receives the account business request for the second country virtual account from the first country user via an offline route or online route within the second country can do.

The account business processing unit 156 stores the customer information of the first station user registered in at least one of the first platform platform provider server 130, the first bank server 110 and the second platform platform server 170 Authentication can be performed on the basis of the authentication. Upon completion of the identity verification, the account service processing unit 156 can process the account service request based on the exchange amount, which is the second-party currency deposited in the second-station virtual account.

If the first station virtual account is set to the first station user as the first station user is subscribed to the financial service using the first station application in steps 211 and 213, then the second station platform carrier server 170 in step 271 And receive membership information or customer information for the first station user from the first station platform provider server 130. The received membership subscription information or customer information may be stored in the customer information database 172 of the second platform platform provider server 170.

In addition to the above-mentioned exchange service from the first call to the second call for the first station user, it is also possible to perform a reconversion service from the second call to the first call for the first station user. The first station platform provider server 130 changes the balance of the second station call deposited in the second station virtual account from the chat message of the first station user input through the first station application back to the first station call It is possible to read out the redirection request.

The first station platform server server 130 transmits a request to reconnect the first station user to the first station bank server 110 and the first station bank server 110 sends the second station bank server 150 a re- The exchange request can be forwarded. Alternatively, the first-station platform provider server 130 may directly transmit the first-station user's re-transfer request to the second-station bank server 130. The second bank server 130 receives the re-transfer request and transfers the remaining balance of the second bank virtual account to the first bank virtual account and notifies the bank server 110 of the first bank to the transfer amount of the second bank You may be asked to transfer back to the first country currency.

The first bank server 110 changes the first currency to the first currency by applying the first currency to the balance of the second virtual account deposited in the first bank, As shown in FIG.

1 and 2, an example has been described in which the platform service provider server 130 of the first station provides a financial service capable of performing account operations in the first and second stations through an application for the first station user. However, it should be noted that FIG. 1 and FIG. 2 only illustrate a case where only the first platform server server 130 provides financial services using the first station application for convenience of explanation.

For example, the second-country platform provider server 170 may also provide a financial service using a second-station application for a second-station user subscribing to a second-station application operating directly. Accordingly, in the first country, the first country platform provider server 170 provides a global financial service that enables account operations in the first country and the second country for the first country user, and at the same time, The country platform provider server 130 may provide a global financial service for the second station user to enable account operations in the second station and the first station.

Thus, if the collaboration and contractual relationships between the platform server server and the bank server of the two countries are based, account operations in the counterpart country can be handled to both users. In addition, if collaboration and contractual relationships between platform provider servers and bank servers in more than one country are based, then multi-national users can use the communication applications to exchange their currencies into various national currencies, The technical idea of the present invention can be extended to a platform provider server and a bank server providing a service or providing various account business services.

As described above, the first-station user can read the financial transaction request from the chat message entered into the application. 3 illustrates an interface screen 380 in which a message is input by a user requesting exchange through an application according to an embodiment.

For convenience of explanation, a chat message or other characters are written in Korean, but the first country is not necessarily limited to 'Korea'.

The interface screen 380 corresponds to a chat window of a messenger program which is a first station application operated by the first platform platform provider server 130. [ 'Hong Kil-dong' is a member of the IM program as a user of the first country, and is a member who is effectively subscribed to the real-time exchange service provided by the messenger program.

When 'Hong Gil Dong' attempts to access the real-time exchange service, the first-station platform provider server 130 can perform the authentication of the access attempt. If authentication of the user is successful, a guide message 385 indicating that the access to the real-time time exchange service is effectively displayed on the interface screen 380 may be displayed.

The first platform carrier server 130 may have a message database containing information on chat messages for requesting financial services.

The first country platform provider server 130 can determine whether the current chat message is a message for requesting a financial service by collating all the chat messages input by 'Hong Gil Dong' with the message database.

There is no form restriction such as consonants, vowels, words, phrases, clauses, sentences, etc., which can be interpreted as a chat message for requesting a financial service that is recorded in a message database. For example, if at least one of "exchange", "exchange", "won" and "yen / won" is included in the message database in the input message 390 in FIG. 3, the message reading unit 134 The input message 390 can be determined as the exchange request message.

Also, the input message interpretable as a chat message for requesting a financial service that is stored in a message database need not necessarily be a completed character or a character with a valid meaning. For example, it does not have to be a meaningful letter. In addition, it is not always necessary to provide both the primer and the neutral. It may be a letter consisting only of consonants or vowels.

Further, an input message that is recorded in the message database and interpretable as a chat message for requesting a financial service is not limited to a text message. Messages in various formats such as emoticons, voice / audio messages, images, and videos can be used as chat messages for requesting financial services.

The message reading unit 134 of the first-country platform provider server 130 can also read the exchange target currency and the exchange request amount from the input message 390. [ The message database may also contain data for input messages that can be interpreted as the currency to be exchanged and the exchange request amount.

When the message reading unit 134 of the first station platform provider server 130 reads the financial service request intention from the input message 390 of the first station user based on the message database, The first bank server 110 may communicate with the second bank server 120 to process the exchange transaction.

According to one embodiment, the amount deposited in the Japanese account or in the Korean account may be the cash of the yen and the won itself. According to another embodiment, the amount deposited in a Japanese virtual account or a Korean virtual account may be cyber money. However, it is not limited to the online exclusive currency that is used as real money when online banking or online shopping in the online space. If the authentication of the Japanese virtual account or the Korean virtual account is successful at the branch office of the first country bank server 110 or the bank server 150 of the second country or an automation device, the real money may be withdrawn. In addition, a credit settlement based on a Japanese virtual account or a Korean virtual account may be possible at an offline merchant that collaborates with a platform operator of the first country.

In addition, according to another embodiment, a terminal equipped with a communication application can determine whether a chat message input through an application includes a message for a financial service request. In this case, a message database is provided in the terminal, and a message for a financial service request may be read while comparing a message entered through the application with a message stored in the message database. In this case, the terminal can read the financial service request from the chat message and transmit it to the first platform carrier server 130.

4A and 4C, when a mobile service such as a messenger program is operated by a Japanese platform vendor, a foreign exchange service, which is a sub service of Japan Mobile Service, is provided to a Japanese customer who subscribes to a mobile service using the terminal The process provided is specified. In Figures 4A and 4C, the first country represents 'Japan' and the second country represents 'Korea'.

4A illustrates a process in which a Japanese customer of an application provided by a Japanese platform provider subscribes to global financial services according to an embodiment.

Japan's first country platform provider server 130 may provide Japan mobile services, and Japanese mobile services may include 'financial services' as sub services. Hereinafter, the financial service of the mobile service is referred to as a 'communication financial service'.

In step 310, the first-country platform provider server 130 may receive a subscription request for the 'financial service' from the Japanese customer's terminal 300. Accordingly, the first server platform provider server 130 can process the subscription request for the financial service and transmit the subscription completion history to the Japanese customer terminal 300.

In addition, the first country platform provider server 130 in Japan can transmit information on the customer information and the affiliation fact to the Japanese customer who subscribed to the financial service using the application to the second country platform provider server 170 in Korea have. In step 316, the first platform platform provider server 130 may manage information about customers who subscribe to the communication financial service using the application.

The first server platform provider server 130 may transmit the financial service subscription completion details of the Japanese customer to the first bank server 110 in Japan. The first platform platform provider server 130 may transmit the subscription customer information including the ID of the Japanese customer to the first bank server 110 and request the account opening for the Japanese customer.

Accordingly, in step 312, the first-branch bank server 110 opens a Japanese virtual account for the Japanese customer based on the parent account set for the first-station platform carrier server 130, and sends the first- You can set permissions.

The first country bank server 110 may notify the first platform platform business server 130 that the use of the virtual account of the Japanese customer is permitted. Accordingly, a Japanese customer can pre-charge a predetermined amount to a Japanese virtual account. The prepaid amount of money can be deposited within the maximum amount of money.

Communication Financial services may include currency exchange services between the yen and the won. The first country bank server 110 may open a Japan virtual account for a Japanese customer and ask the second country bank server 150 in Korea to open a Korean virtual account for the Japanese customer.

Accordingly, in step 314, the second country bank server 150 in Korea can open a virtual account in Korea for a Japanese customer who has joined the communication financial service. The Korean virtual account opened by the second country bank server 150 in Korea can be set to the Japanese customer based on the Korean mother bank established for the second country platform carrier server 170 in Korea.

4D illustrates a process in which a Japanese customer of an application provided by a Japanese platform provider subscribes to global financial services according to another embodiment.

Japan's first country platform provider server 130 may provide Japan mobile services, and Japanese mobile services may include 'financial services' as sub services. Hereinafter, the financial service of the mobile service is referred to as a 'communication financial service'.

In step 310, the first-country platform provider server 130 may receive a subscription request for the 'financial service' from the Japanese customer's terminal 300. Accordingly, the first server platform provider server 130 can process the subscription request for the financial service and transmit the subscription completion history to the Japanese customer terminal 300.

In step 313, the first country platform provider server 130 establishes a first country account for the first country user. When the first station platform provider server 130 requests the second station bank server 150 to open a second station account for the first station user, the second station bank server 150, at step 315, Establish a second country account for users.

Although not shown in the drawings, in another embodiment, the first country bank server 110 may establish a business account of a first country platform provider, and may be a first country platform provider server 130 or a first country bank server The user terminal 110 can deposit the deposit to the operator account opened to the user of the first station. The first-country platform provider server 130 receives the customer account identifier of the first-station user based on the customer account identifier including at least one of the customer ID of the first-station user, the card number of the physical card subscribed to the financial service, You can manage your funds. Here, the real card is a card issued by an affiliate company that is affiliated with a financial company or a general company by a platform provider of a first country or a platform company of a second country, for example, a membership card, a traffic card, a credit card, / Prepaid card can be included.

Communication Financial services may include currency exchange services between the yen and the won. The first country bank server 110 may open a business account of the Japanese platform provider for the Japanese customer and request the second country bank server 150 in Korea to open a Korean account for the Japanese customer. Here, the Korean account is for distinguishing users, and may include a ledger for managing transactions of a user in the form of a virtual account or a database of the second-country bank server 150, but the present invention is not limited thereto, Of course, it is possible to distinguish the type of users.

FIG. 4B illustrates a process for a Japanese customer to convert a Japanese yen into a Japanese yen through an application according to an embodiment.

Communication Financial services may include 'exchange' services. The Japanese first country platform provider server 130 may receive a use request for the " exchange money " service from the Japanese customer terminal 300 in step 330. The first platform platform provider server 130 can read the exchange request from the chat message input through the application of the Japanese customer to the Korean currency and determine the exchange request currency and the exchange request amount. As another example, in the terminal 300 of the Japanese customer, selection information indicating that the 'exchange' menu is selected among various menus provided in the application interface may be received. That is, the exchange can be performed by reading the exchange request from the chat message, or by receiving the selection of the menu of the application, that is, the exchange request. Herein, as an example of the application, "exchange" has been described, but it is needless to say that it includes a exchange request through a function corresponding to the exchange.

The first station platform provider server 130 sends a request for exchange of a Japanese customer, a currency exchange call, and a money exchange request amount to the first bank server 110 of Japan based on the exchange request received from the Japanese customer's terminal 300 You can send a complete request for a currency exchange. In another example, the first-country platform provider server 130 may transmit a foreign exchange request message including the exchange request, the currency exchange request, and the exchange request amount of the Japanese customer to the second country bank server 150 in Korea.

Two embodiments are possible in which the money is exchanged at the first bank server 110 or the second bank server 150 is exchanged.

According to one embodiment, in step 332, the first-country bank server 110 may exchange the requested amount of money deposited in the Japanese virtual account by applying the exchange rate at the time of the exchange request. The exchange request amount should be within the amount deposited in the Japan virtual account. The first country bank server 110 can request the transfer of the won money from the Japan virtual account to the Korea virtual account. As shown in FIG. 4, it may be a Japanese customer account deposited in a business account of a Japanese platform provider as well as a Japanese virtual account.

According to another embodiment, in step 331, the first-branch bank server 110 may exchange a predetermined amount of money charged into the Japanese virtual account of the Japanese customer or the business account of the Japanese platform provider to the second- The exchange request can be forwarded. The first-country bank server 110 can transfer money to the virtual account of Japan or the account of the Japanese customer, which is the Japanese currency deposited in the virtual account or the business account of the first country. In step 333, the second-country bank server 150 can exchange the Japanese currency transferred to the Korean virtual account to the Korean currency by applying the exchange rate at the time of the exchange request.

In steps 331 and 332, the exchange rate may be determined by the exchange rate in the country where the exchange is performed or by the exchange rate favorable to the customer.

At step 334, the second bank server 150 may retain the currency exchange amount in Korean virtual account. In step 336, when the withdrawal request for the Korean virtual account is received at the ATM of the second bank server 150, the second bank server 150 may request the requestor for a predetermined authentication. When the second customer's bank account server 150 confirms that the customer is a Japanese customer who subscribes to the financial service using the application of the first-party platform provider server 130, the second-country bank server 150 withdraws the withdrawal request amount from the automation device from the Korean virtual account .

Therefore, if a Japanese customer asks you to exchange a JPY deposited in a Japanese virtual account with a Korean currency before you arrive in Korea or during your travel or stay, you may be entitled to a currency converted into a Korean virtual account . In addition, a Japanese customer can receive a withdrawal service of a Korean currency from a Korean virtual account through authentication of an automation device or a branch office of a second country bank server (150) in Korea.

In the event that a money transfer is requested between a Japan virtual account and a Korean virtual account, the exchange amount may not be immediately transferred to the target account and there may be a certain processing period. In this case, the currency exchange amount can be confirmed by using the 'inquiry' function of the application.

In addition, a Japanese customer who has successfully authenticated himself or herself can request various account service in addition to a request for withdrawal and inquiry to a Korean virtual account.

In the embodiment described with reference to FIG. 4A, when a Japanese customer is subscribed to a financial service, a virtual account is set for a Japanese customer in the first bank server 110 and the second bank server 150, respectively. According to another embodiment, even if a financial customer in Japan is subscribed to a financial service, a currency exchange request can be determined only upon receipt of a currency exchange request. Accordingly, when a Japanese customer subscribes to the financial service, a virtual account is set up for the Japanese customer only in the first country bank server 110, and when the exchange request is received later, the first country bank server 110 To the second bank server 150 of the second bank.

In the embodiment described with reference to FIG. 4D, when the exchange request is read from the chat message of the user of the first station, which is the Japanese entered through the application, the second bank server 150 transmits the exchange request It is possible to check the balance range of the deposited amount of the first-country user who is Japanese, based on the client account identifier of the operator account of the first-country platform operator, in cooperation with the server of the first-country platform operator or the server of the second- have.

The second country bank server 150 of the Republic of Korea may transfer the exchange amount of the second country currency of the Republic of Korea within the range of the confirmed balance of the amount deposited by the first country user who is a Japanese person in the account of the operator of the first country platform provider It can be deposited into Korea's second country account. Optionally, even if the transfer from the first bank server 110 to the second bank server 150 is not completed, the money exchanged by the user of the first user who is a Japanese is deposited into the account of the second country in Korea , It is possible that the system of settlement of the exchange amount with the first-country platform provider is possible. For example, it is possible to settle the amount of money exchanged for one month at the end of the month by the contract with the platform provider of the first country, and the payment can be made. However, it is needless to say that various settlement methods are possible. Here, the transfer from the first bank server 110 to the second bank server 150 means that the money corresponding to the actual money exchange amount is transferred or includes the money transfer notification.

As described above, according to the process of depositing the Korean currency, the Korean currency, on the account of the second country for the first country user who is the Japanese of the exchange amount, the first country user who is a Japanese is transferred to the second country bank server through the computer You can withdraw the exchange amount. Illustratively, when a first-country user, who is a Japanese, withdraws a currency exchange amount through an ATM device in Korea, authentication via an application, a card issuer server linked to a second bank server or a bank server of the second country, or an affiliate server It is possible to withdraw the exchange amount through one of authentication by the physical card and authentication by the unique information of the first platform operator in Japan. Here, the authentication includes a unique number, a character system matching a user's ID and the like, and a number and a character system for authenticating a temporarily granted user, in a manner of distinguishing a first platform platform provider and a first user promised.

4C illustrates a process for a Japanese customer to re-currency a won through an application according to one embodiment.

The communication financial service may include a 'reassign' service. In step 350, the first country platform provider server 130 in Japan can receive a request for use of the " rewrite " service from the Japanese customer terminal 300. The first-station platform provider server 130 can read the request for reconversion of the original balance from the chat message input through the application of the Japanese customer. In this case, it is also possible to compare the messages included in the message database with the inputted messages, and to determine the message to be a request for reconversion. As another example, the terminal 300 of the Japanese customer may receive selection information indicating that the 'rewrite' menu is selected among various menus provided in the application interface.

Upon receipt of the 'rewrite' request from the first platform platform provider server 130, the second bank server 150 applies the exchange rate at the time of requesting the redirection to the Korean virtual account at step 360, You can exchange money. The converted amount can be transferred from the Korea virtual account to the Japan virtual account.

According to another embodiment, the second country bank server 150 may request the first country bank server 110 in Japan to exchange money for the Korean currency remaining in the Korean virtual account of the Japanese customer. The second country bank server 150 may transfer the balance of the Korean virtual account balance to the Japan virtual account and request the first country bank server 110 to exchange the currency at the time of requesting the transfer to the yen by applying the exchange rate to the transfer amount have.

At step 360, the exchange rate may be determined by the exchange rate in the country where the exchange is processed or by the exchange rate favorable to the customer.

Thus, at step 370, the redemption amount, which is the Japanese currency, can be re-credited to the Japanese virtual account of the first country bank server 110.

The balance of the Korean won, which the Japanese customer can not use in Korea, is re-converted into yen and recharged to the Japanese virtual account, so that after the Japanese customer returns to Japan, the account service service based on the Japanese virtual account can be provided again.

Hereinafter, a process of providing a local account transfer or an offline payment service using a mobile service application will be described with reference to FIGS. 5 and 6. FIG.

Figure 5 illustrates a process for transferring funds between members of an application in accordance with another embodiment. In the embodiment of FIG. 5, the first country is not limited to a specific country.

Communication Financial services may include a 'transfer between members' service. Through the 'transfer between members' service, funds can be transferred between members' virtual accounts.

In step 400, the first platform platform provider server 130 may receive a use request for the 'inter-member transfer' service from the customer 1 terminal 400. The first platform platform provider server 130 can interpret the chat message input through the application of the customer 1 and determine the member identification information such as the ID or the name of the member to receive the transfer amount and the transfer amount. In this case, it is also possible to compare the messages included in the message database with the inputted messages, and determine that the message is a request for transfer request between members. Also, the member DB can be compared with the input message to determine the member to receive the transfer amount.

Accordingly, the first-party platform provider server 130 may receive the request to transfer the predetermined amount to the customer 2 in step 400. [ The first server platform provider server 130 may transmit the transfer request of the customer 1 to the first bank server 110.

In step 420, the transfer request amount can be withdrawn from the deposit amount of the virtual account of the customer 1 through the virtual account platform of the first bank server 110, and the transfer reservation can be set to the virtual account of the customer 2.

In step 430, the first station platform provider server 130 transmits the transfer information to the customer 2 terminal 450 through the first bank server 110. The first station platform provider server 130 transmits the transfer information to the customer 2 terminal 450 through the ' (450). For example, the first-country platform provider server 130 activates a chat window with the customer 2 through the mobile service, and can transmit a chat message to the customer 2 that the customer 1 has sent a charge as a gift . Accordingly, when receiving an input from the customer 2 to accept the gift of the customer 1 for the gift receiving service, the first bank server 110 transmits the transfer request amount of the transfer customer 1 to the virtual account of the customer 2 You can transfer.

Figure 6 illustrates a process for a member of an application to purchase content through an application in accordance with another embodiment.

The merchant server 550 can purchase and sell the content through the communication financial service operated by the first platform platform provider server 130. [ The merchant server 550 may provide the product introduction information on the content in the mobile service.

The communication financial service according to one embodiment may include a 'shopping' service. Online contents such as emoticons and gift cones can be bought and sold through 'shopping' service.

In step 510, when the first platform platform provider server 130 receives a selection input for the 'shopping' service among the communication financial services from the customer 1 device 500, the first station platform provider server 130 transmits the product introduction information of the A shopping company, May be obtained from the merchant server 520 and transmitted to the customer 1 device 500. The application of the customer 1 device 500 can display the received product introduction information.

As another example, when a selection input for the 'shopping' service is received from the customer 1 device 500, the first platform platform provider server 130 transmits product introduction information to the merchant server 520 to the customer 1 device 500 To be transmitted.

When the user 1 device 500 receives a user purchase request for the product introduction information of the A shopping company through the application, the customer 1 device 500 can call the mobile service payment module. When the customer 1 device 500 receives a selection input for the "financial service settlement" service in the mobile service, a payment request for the purchased product from the customer 1 device 500 is transmitted to the first platform platform server 130 .

When the first-station bank server 110 receives the payment request of the customer 1 device 500 through the first-station platform provider server 130, the virtual account platform of the first- It is possible to approve the settlement request of the customer 1 based on the deposit money deposited in the virtual account of the customer 1. Accordingly, the first bank server 110 transfers the settlement amount of the virtual account to the account set in the merchant server 550, and the settlement amount can be settled.

In FIG. 6, only the online content purchase service through the mobile application is exemplified, but similarly, an offline merchant credit settlement may be possible. For example, through a cooperation between the credit card company server and the first-station platform provider server 130, the first station of the first-station bank server 110 set to the customer 1, which is a member of the first- You can link a virtual account to a prepaid card. Accordingly, if the customer 1 requests payment at the offline merchant using the prepaid card, the settlement amount can be settled from the charge amount deposited in the virtual account of the first station.

FIG. 7 shows a process for payment at a domestic merchant using a prepaid card which is issued by a member of an application in another country in another embodiment. In the embodiment of FIG. 7, 'first country' represents Japan and 'second country' represents Korea.

The first station platform provider server 130 cooperates with the offline merchant station of the second station so that the Japanese customer of the communication financial service operated by the first station platform carrier server 130 pays the commodity purchase amount at the second station merchant To provide a pre-paid card service. To this end, a domestic prepaid card is issued to a Japanese customer, and a settlement using a domestic prepaid card issued to a Japanese customer at a domestic offline merchant is processed. The first-station platform server server 130, the first-station bank server 110 ), The second-country bank server 150, the second-country platform carrier server 170, the credit card company server 630, and the affiliate server 660.

The Japanese virtual account and the Korean virtual account may be set up for the Japanese customer who subscribes to the communication financial service operated by the first platform platform provider server 130 as described above with reference to various embodiments. Charges deposited in a Japanese virtual account can be converted into Korean won and transferred to a Korean virtual account.

A Japanese customer can apply for and receive a prepaid card that can be linked to a domestic virtual account assigned to a Japanese customer for communication financial services at a Korean bank branch (640). A prepaid card is a card similar to a check card, and payment by a prepaid card may be approved within the predicted amount of the account associated with the prepaid card.

Prepaid cards are made by a credit card company, but they can be issued by a bank branch. The credit card company server 630 may be provided with a database of domestic franchisees that can use the prepaid card based on the affiliation agreement with the credit card company and the offline merchants in Korea.

The Japanese customer can start using the prepaid card by registering the issuance of the prepaid card in the communication financial service through the customer terminal 600. [

In step 610, the communication financial service may include a 'register card' service. The customer terminal 600 can acquire card identification information such as a card number or an identification code of the issued prepaid card through the 'register card' menu of the application for the communication financial service. Card identification information of the prepaid card input to the customer terminal 600 may be transmitted to the second bank server 150 through the first platform server server 130 and the first bank server 110. [ As another example, the card identification information of the other station input through the 'register card' menu may be directly transmitted to the second bank server 150 through the customer terminal 600.

In step 620, the second bank server 150 may connect the card identification information or the card number of the prepaid card to the Korean virtual account.

At step 650, the Japanese customer can request payment of goods using the prepaid card at the Korean offline merchant 650. The payment request using the prepaid card can be made at all the merchants registered in the merchant database of the credit card company server 630. Accordingly, the credit card company server 630 sends the settlement amount of the Japanese customer using the prepaid card to the Korean offline merchant 650 so that the prepaid card payment amount can be settled between the credit card company server 630 and the offline merchant 650. In addition, the credit card company server 630 may request the second bank server 620 to settle the settlement amount using the prepaid card of the Japanese customer. The second-country bank server 620 can be settled by transferring to the account of the credit card company server 630 as much as the settlement request amount from the charge of the Korean virtual account set for the Japanese customer.

In addition, a partnership agreement can be made between the second-country platform operator and the affiliate to provide benefits to customers using the prepaid card. For example, an affiliate benefit may include a discount coupon for a department store, a discount coupon for a purchase amount, a prize benefit such as a preferential coupon, or an affiliate point accumulation benefit. The affiliate server 660 may have a benefit database for storing information on possible affiliate benefits for Japanese customers who have registered the prepaid card. Accordingly, when a settlement request using the prepaid card occurs in the Korean offline merchant 650, the affiliate server 660 is called and the applicable affiliate benefit for the current prepaid card can be searched. If there is an affiliate benefit that is searched, you can discount the payment amount or apply various benefits at the Korean offline merchant store (650).

According to the various embodiments described above with reference to Figures 1-7, members of the communication application of the first station may be provided financial services in the second station using the application. The member of the communication application can receive the account service using the chat message input in the communication application without having to open an account directly in the first and second countries. The financial services that can be offered include not only the exchange service between the first country currency and the second country currency, but also the inter-member money transfer service, the payment service at the online / offline merchant in the first country, the second payment service in the second country offline merchant, A payment service using a prepaid check card has been proposed, but it should be noted that the technical idea of the present invention is not limited thereto.

The block diagrams disclosed herein may be construed to those skilled in the art to conceptually represent circuitry for implementing the principles of the present invention. Likewise, any flow chart, flow diagram, state transitions, pseudo code, etc., may be substantially represented in a computer-readable medium to provide a variety of different ways in which a computer or processor, whether explicitly shown or not, It will be appreciated by those skilled in the art. Therefore, the above-described embodiments of the present invention can be realized in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

The functions of the various elements shown in the figures may be provided through use of dedicated hardware as well as hardware capable of executing the software in association with the appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared. Also, the explicit use of the term " control portion "or" portion "should not be construed to refer exclusively to hardware capable of executing software and includes, without limitation, digital signal processor (DSP) hardware, (ROM), a random access memory (RAM), and a non-volatile storage device.

In the claims hereof, the elements depicted as means for performing a particular function encompass any way of performing a particular function, such elements being intended to encompass a combination of circuit elements that perform a particular function, Or any form of software, including firmware, microcode, etc., in combination with circuitry suitable for carrying out the software for the processor.

Reference throughout this specification to " one embodiment " of the principles of the invention and various modifications of such expression in connection with this embodiment means that a particular feature, structure, characteristic or the like is included in at least one embodiment of the principles of the invention it means. Thus, the appearances of the phrase " in one embodiment " and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.

In this specification, the expression 'at least one of' in the case of 'at least one of A and B' means that only the selection of the first option (A) or only the selection of the second listed option (B) It is used to encompass the selection of options (A and B). As an additional example, in the case of 'at least one of A, B and C', only the selection of the first enumerated option (A) or only the selection of the second enumerated option (B) Only the selection of the first and second listed options A and B or only the selection of the second and third listed options B and C or the selection of all three options A, B, and C). Even if more items are listed, they can be clearly extended to those skilled in the art.

The present invention has been described with reference to the preferred embodiments.

It is to be understood that all embodiments and conditional statements disclosed herein are intended to assist the reader in understanding the principles and concepts of the present invention to those skilled in the art, It will be understood that the invention may be embodied in various other forms without departing from the spirit or essential characteristics thereof. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (24)

A method for providing a financial service to an international user whose bank server is registered in a platform provider server,
When the first station user of the communication application provided by the first station platform provider server subscribes to the financial service using the application, if the first station virtual account for the first station user is set by the first station bank server, Receiving from the first bank server a second bank server request for opening a second bank virtual account for the first station user; And
When the exchange request is read from the chat message of the first station user input through the application, the bank server of the second station transmits the second station call exchanged from the first station call deposit deposited in the first station virtual account And transferring the money to the virtual account of the second station. The method as claimed in claim 1,
Receiving, by the second bank server, an account transaction request for the second station virtual account from the first station user via an offline route or an online route within the second station;
Performing the identity authentication based on the customer information of the first station user registered in the server of the first station, the bank server of the first station, and the platform server of the second station; And
Further comprising the step of, when the authentication of the principal is completed, processing the account service request on the basis of the exchange amount, which is the second telephone call deposited in the virtual account of the second station, by the bank server of the second station A method of providing financial services to a bank server. The method as claimed in claim 1,
When the request for redirection is read from the chat message of the first station user input through the application, the bank server of the second station notifies the bank server of the first station of the second station And requesting, in the first country virtual account, a transfer of the reconversion amount transferred from the balance of the currency back to the first country currency to the first country virtual account. The method according to claim 1,
When the subscription application of the first station user to the financial service is processed by the server of the first station platform provider, the customer information of the first station user is transmitted from the first station platform server server to the first station bank server And a second station platform server server, wherein the second banking server receives the customer information for the first station user from the first bank server, and based on the parent account set for the second station platform operator server, And a request for opening the second station virtual account is received. The method according to claim 1,
The exchange request is read from the chat message of the first station user entered through the application by the first platform platform operator server and the exchange request is read from the first station platform server server to the first bank server, And the exchange request amount, the second bank server receives from the bank server of the first bank information on the exchange request amount in accordance with the exchange request and information on the first station user, Wherein the bank server receives the specialist service. A method for providing a financial service to an international user whose bank server is registered in a platform provider server,
When a first station user of a communication application provided by a first station platform provider server subscribes to a financial service using the application, the first station bank server establishes a first station virtual account for the first station user, Transmitting a request for opening a second-station virtual account for the first-station user to a second-station bank server; And
When the exchange request is read from the chat message of the first station user input through the application, the bank server of the first station transmits the exchange request to the second station exchanged from the first station call money deposited in the first station virtual account And transmitting a deposit request to the bank server of the second country so that the currency exchange amount is transferred to the second country virtual account. 7. The method of claim 6,
When the request for redirection is read from the chat message of the first station user input through the application, the first bank server transmits a redirection request to the second bank server;
The first bank server server depositing the redirected money amount, which is the first national currency, again from the balance of the second national currency deposited in the second national virtual account into the first virtual bank account The method comprising the steps of: 7. The method of claim 6,
When the subscription application of the first station user to the financial service is processed by the server of the first station platform server, the bank server of the first station receives the customer information of the first station user from the first station platform server server And transmitting customer information for the first station user to a bank server of a second station,
The first bank server further comprises transmitting to the second bank server a request for opening the second bank virtual account based on the parent account set for the second terminal platform server,
Wherein the customer information on the first station user who has applied for the subscription for the financial service is transmitted from the first platform platform provider server to the second platform platform vendor server. 7. The method of claim 6, wherein transmitting the exchange request to the second bank server comprises:
When the exchange request is read from the chat message of the user of the first station inputted through the application by the first platform platform operator server, the first bank server transmits the exchange request And receiving information on a requested amount of money to be exchanged; And
And transmitting the exchange request message including the information on the exchange request amount in response to the exchange request and information on the first station user to the bank server of the second station, The method comprising the steps of: The method according to claim 6,
When an account transaction request for the second station virtual account is transmitted from the first station user to the bank server of the second station through an offline route or an online route in the second station, The user authentication is performed based on the customer information of the first station user registered in the platform server server, the bank server of the first station, and the user of the first station registered in the platform server of the second station. When the user authentication is completed, And the account service request is processed based on the exchange amount, which is the second call, deposited in the second station virtual account. A method for providing financial services to an international user registered in a platform provider server,
Processing a subscription request for a financial service using the application received from a first-station user of a communication application provided by a first-party platform provider server;
The first platform platform provider server transmits to the first bank server a request for opening a first virtual bank account for the first station user based on the parent account set for the first platform platform operator server ;
The first platform platform provider server transmits a currency exchange request for exchanging the first country currency principal deposited in the first country virtual account to the second country currency from the chat message of the first station user input through the application, ; And
Wherein the first platform platform provider server sends to the first bank server a currency exchange amount that is the second currency exchanged from the first currency call deposit deposited in the first station virtual account, And transmitting the exchange request to be transferred to the two-station virtual account,
Wherein the exchange request is transmitted from the bank server of the first station to the bank server of the second station. 12. The method as claimed in claim 11,
And transmitting the customer information for the first station user to the first station bank server and the second station platform operator server when the first station platform server server processes the subscription request of the first station user and,
A request for opening the second station virtual account for the first station user based on the parent account set for the second station platform carrier server from the first bank server to the bank server of the second station, Wherein the customer information is transmitted to the user of the platform. 13. The method of claim 12, wherein the financial service providing method of the platform-
The first platform platform provider server exchanges the balance of the second station call deposited in the second station virtual account from the chat message of the first station user inputted through the application back to the first station call Reading a redirection request for redirection; And
And the first platform platform provider server transmitting the read reconversion request to the first bank server,
In the first bank server, an amount of money transferred back to the first station currency from the balance of the second station virtual account is deposited in the second station virtual account,
Establishing the first station virtual account by the first bank server by the first bank server, transmitting to the second bank server, from the first bank server to the second bank server, the second station virtual for the first station user And a request to open an account is transmitted to the server. 12. The method of claim 11, wherein transmitting the exchange request to the second bank server comprises:
The information on the exchange request and the exchange request amount is transmitted to the first bank server on the basis of the exchange request read from the chat message of the first station user input through the application, The method comprising:
Wherein the first bank server transmits to the second bank server a conversion request message including information on the exchange request and the amount of money requested for exchange and information on the first station user, A method of providing a financial service to a server. 13. The method of claim 12,
When an account transaction request for the second station virtual account is transmitted from the first station user to the bank server of the second station through an offline route or an online route in the second station, Authentication is performed based on the customer information of the platform operator server, the first-station bank server, and the first-station user registered in the second-station platform provider server, and when the identity authentication is completed, Wherein the account service request is processed based on the exchange amount, which is the second call, deposited in the second station virtual account. A bank server for providing financial services to international users registered in a platform provider server,
When the first station user of the communication application provided by the first station platform provider server subscribes to the financial service using the application, if the first station virtual account for the first station user is set by the first station bank server, A virtual account opening request receiving unit for receiving a request for opening a virtual account of a second station for the first station user from the first bank server;
A virtual account management unit for setting the second station virtual account to the first station user based on the parent account set for the second platform platform business server and managing information about the second station virtual account and the first station user, ; And
When the exchange request is read out from the chat message of the first station user input through the application, the exchange money amount, which is the second station currency exchanged from the first station call deposit deposited in the first station virtual account, And an account transaction processing unit for transferring the money to the second station virtual account. A bank server for providing financial services to international users registered in a platform provider server,
When a first station user of a communication application provided by a first station platform provider server subscribes to a financial service using the application, a first station virtual account is established for the first station user, A virtual account opening request unit for transmitting a request for opening a virtual account of a second station for a first station user;
A virtual account manager for setting the first station virtual account to the first station user based on the parent account set for the first platform platform operator server and managing information about the first station virtual account and the first station user, ; And
When the exchange request is read out from the chat message of the first station user inputted through the application, the first bank server transmits the exchange request from the first station's currency account deposited in the first station virtual account, And transmits the deposit request to the bank server of the second country so that the exchange amount of the second currency is transferred to the second country virtual account. A platform operator server for providing financial services to international users,
The method comprising: processing a subscription request for a financial service using the application from a first-station user of a communication application provided by a first-party platform provider server; transmitting, to the first-station bank server, A subscription request processing unit for transmitting a request for opening a first-station virtual account to the first-station user based on the first-station virtual account;
A message reading unit for reading, from a chat message of the first station user inputted through the application, a exchange request for exchanging the first party currency currency deposited in the first station virtual account to the second currency; And
The first platform platform provider server transmits to the first bank server a currency exchange amount of the second currency exchanged from the first currency call deposit deposited in the first station virtual account to the second bank server And a bank account requesting unit for transferring a deposit request for depositing the bank account to the two-station virtual account,
Wherein the exchange request is transmitted from the first bank server to the second bank server. A method for providing a financial service to an international user whose bank server is registered in a platform provider server,
When a first-station user of a communication application provided by a first-party platform provider server joins a financial service using the application, a first-station account for the first-station user is established by the first- When a predetermined money of the first station user is deposited in the account of the first station platform provider, the bank server of the second station receives, from the first station platform carrier server, the account of the second station account for the first station user Receiving an opening request; And
When the exchange request is read from the chat message of the first station user inputted through the application or when the exchange request is received through the exchange menu of the application, And depositing a currency exchange amount as a national currency into the account of the second country. 20. The method of claim 19,
Wherein the second server receives the exchange request and deposits the exchange amount, which is the second currency, converted from the first country currency deposited in the account of the first country platform provider, into the account of the second country based on the exchange request. How to provide financial services. 20. The method of claim 19,
Further comprising the step of the bank server of the second country accounting for the exchange amount with the first platform provider server after the exchange amount of money of the second country is deposited into the account of the second country A method of providing financial services to a bank server. 20. The method of claim 19,
Wherein the first platform platform provider server manages the deposited funds based on a customer account identifier including at least one of a customer ID of the first station user, a card number of the physical card associated with the financial service, Wherein the financial service providing method comprises: 23. The method of claim 22,
When the exchange request is read from the chat message of the first station user input through the application or when the exchange request is received through the exchange menu of the application, the bank server of the second station interlocks with the platform server of the first station , Checking the balance range of the deposited amount of the user of the first station on the basis of the customer account identifier, and transferring the exchange amount, which is the second station's currency, to the account of the second station within the checked balance range Wherein the money amount can be withdrawn through an ATM device connected to the second bank server by a computer. 24. The method of claim 23,
Authentication with the application, authentication of the real card via a card company server or an affiliate server linked with the bank server of the second country or the bank server of the second country, authentication of the real card through the ATM server, Wherein one of the authentication by the unique information of the one platform provider is performed.

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