KR20160149596A - Method for providing financial service using virtual account - Google Patents

Method for providing financial service using virtual account Download PDF

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Publication number
KR20160149596A
KR20160149596A KR1020150086812A KR20150086812A KR20160149596A KR 20160149596 A KR20160149596 A KR 20160149596A KR 1020150086812 A KR1020150086812 A KR 1020150086812A KR 20150086812 A KR20150086812 A KR 20150086812A KR 20160149596 A KR20160149596 A KR 20160149596A
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South Korea
Prior art keywords
account
virtual account
virtual
payment
financial
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KR1020150086812A
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Korean (ko)
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이창환
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주식회사 우리은행
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Priority to KR1020150086812A priority Critical patent/KR20160149596A/en
Publication of KR20160149596A publication Critical patent/KR20160149596A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a method for providing a financial transaction service using a virtual account, and more particularly, to a method for providing a financial transaction service using a virtual account by performing a financial transaction with a virtual account using a real- The present invention relates to a method of providing a financial transaction service using a virtual account.
A method for providing a financial transaction service using a virtual account according to the present invention comprises the steps of: (a) registering member information including payment account number information of a member whose real name has been confirmed on a management server; (b) issuing and managing a virtual account for the member whose registration of the member information is completed through the management server; (c) registering the payment account number information as a payment account of the virtual account in a server of the financial institution; And (d) approving the deposit only if the deposit account for the virtual account matches the payment account; And the like.

Description

[0001] METHOD FOR PROVIDING FINANCIAL SERVICE USING VIRTUAL ACCOUNT [0002]

The present invention relates to a method for providing a financial transaction service using a virtual account, and more particularly, to a method for providing a financial transaction service using a virtual account by performing a financial transaction with a virtual account using a real- The present invention relates to a method of providing a financial transaction service using a virtual account.

The virtual account is linked to the bank and / or the affiliated organization and is linked to the parent bank opened in the bank, so that the customer and the affiliated institution customer can use the virtual account as described above, It is intended to enable financial institutions to deal freely through financial institutions and / or general institutions' sales networks or via the Internet.

Such a virtual account has been used in recent years due to its ease of use, and particularly in the case of trading companies dealing with cyber money such as game money or beat coin, the proportion of virtual accounts is relatively high .

However, it is known that the crime of financial fraud using a virtual account is greatly increased in response to the increasing use of such a virtual account, and there is also a problem that crime can be more easily performed than when a virtual account and a cyber money are used .

For example, a customer who wishes to purchase a bit coin, for example, is required to deposit a money through a virtual account issued by a bit coin vendor or the like and receive a bit coin corresponding to the money. By exploiting such a structure, the criminal A provides the virtual account issued by the bit coin supplier to the victim B as a payer's deposit account for the loan, etc., and then when the victim B completes the payment of money in the virtual account, A coin is committed to a financial fraud crime by way of taking a coin after receiving it.

In addition to these loan frauds, the use of virtual accounts as a deposit account for fraudulent crimes such as phising and pharming is continuously increasing, and therefore, a method for preventing the abuse of such virtual accounts in crime It is an urgent matter to prepare.

Accordingly, in the present invention, a financial account transaction with a virtual account is performed only through a real-name verification and a registered payment account in which the self-authentication is completed. Thus, in order to prevent the occurrence of various types of financial fraud using a virtual account, We propose a method of providing financial transaction services.

Korean Patent Publication No. 10-2010-0108026 (entitled " Method of Providing Financial Transaction Service Using Virtual Accounts) Korean Patent Laid-Open Publication No. 10-2002-0031531 (entitled " Relay system and method using virtual account " Korean Patent Laid-Open Publication No. 10-2000-0072676 (entitled " Financial settlement method using bank virtual account and system thereof "

Disclosure of the Invention The present invention has been conceived in order to solve the above-mentioned problems, and it is an object of the present invention to prevent financial fraud by using a virtual account by preventing a real account from performing financial transactions with a virtual account using a registered account And a method for providing a financial transaction service using a virtual account.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to another aspect of the present invention, there is provided a method for providing a financial transaction service using a virtual account, comprising the steps of: (a) registering member information including payment account number information of a member whose real name has been confirmed in a management server; (b) issuing and managing a virtual account for the member whose registration of the member information is completed through the management server; (c) registering the payment account number information as a payment account of the virtual account in a server of the financial institution; And (d) approving the deposit only when the deposit account for the virtual account matches the payment account.

In addition, the present invention may further include: (e) transmitting, to the contact information of the member information, a non-remittable message due to account mismatch when the deposit account for the virtual account does not match the payment account have.

Here, it is preferable that the payment account number information of the step (a) is configured to be capable of registering two or more, or adding, changing or deleting the payment account number information.

According to the present invention as described above, financial transactions with a virtual account can be performed only when a real name verification and a registered account in which authentication has been completed are used, thereby preventing the occurrence of various types of financial fraud using a virtual account It is advantageous.

In other words, the present invention restricts the deposit of a virtual account to be made only through a registered real name authenticated payment account so as to correspond to it, whereby it is impossible to transfer a victim to a virtual account issued with the intention of a crime such as financial fraud Thus, it is possible to prevent the crime through the virtual account and the damage caused thereby, and the like.

FIG. 1 is an explanatory diagram conceptually showing a configuration of a system for applying a financial transaction service providing method using a virtual account of the present invention.
2 is a flowchart illustrating a method of providing a financial transaction service using a virtual account according to an embodiment of the present invention.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to denote the same or similar elements.

FIG. 1 is an explanatory diagram conceptually showing a configuration of a system for applying a financial transaction service providing method using a virtual account of the present invention.

1, a system for applying a financial transaction service using a virtual account according to the present invention includes a transaction customer 110, a server 120 of a management company and a database 125, and a financial institution 130), and the like. That is, the transaction customer 110 may be a terminal device capable of data communication and the like provided by the customer, and the financial institution 130 may be a bank server capable of processing an operation such as internet banking. In the following description of the present invention, these are not separately distinguished from each other.

The transaction customer 110 can perform real name authentication on the management server 120 through an online connection or the like. Such real name authentication can be performed by any conventional method (for example, authentication using a cellular phone or a credit card, Or authentication using an official certificate, etc.). The customer 110 having completed the real name authentication can register the member information including the account number of the management server 120. The member information may include identification information such as an ID and contact information, have.

The management server 120 has a database 125 and manages member information registered by the customer 110 and issues a virtual account to be allocated to the member. At this time, the management server 120, The payment account number information among the member information registered by the customer 110 can be registered in the financial institution 130 such as a bank.

That is, the management server 120 issues a virtual account to the customer 110, registers the payment account information corresponding to the virtual account and the real name authentication of the customer in the financial institution 130, The payment will be made only through the designated payment account. Here, the management server 120 may allow the customer 110 to register two or more real account name payment account information, and may be configured to be able to change or delete registered accounts.

The financial institution 130 manages the payment account number and the virtual account of the customer registered through the management server 120 and determines whether or not the deposit of the money for the virtual account is made through the payment account in real time And perform processing such as processing.

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

2 is a flowchart illustrating a method for providing a financial transaction service using a virtual account according to an embodiment of the present invention.

Referring to FIG. 2, a method of providing a financial transaction service using a virtual account according to an embodiment of the present invention includes a member information registration step (S210), a virtual account issue step (S220), and a payment account information registration step (S230) As shown in FIG.

The member information registration step (S210) is a process in which a customer joins a management company or the like as a member and performs registration of personal information and real name authentication, etc., and the member who is a member registers the ID, contact information and payment account number information Indicates the process of registering member information and authenticating that the user is a real name member by a method such as authentication through the cellular phone of his or her name.

The virtual account issuing step (S220) is a process of issuing a virtual account corresponding to the payment account number information for the member whose real name is authenticated by the management company. Such member information and virtual account information may be stored in a separate database or the like RTI ID = 0.0 > and / or < / RTI >

The payment account information registration step (S230) is a process of registering virtual account information and corresponding payment account number information for the member to a financial institution such as a bank from a management company. In other words, the management company can directly manage the payment account number information registered by the customer and the virtual account issued by the management company so as to correspond to the account, and also register with a financial institution such as a bank.

After the registration of the virtual account and the payment account information is completed in the financial institution through the above process, when the deposit (S240) to the virtual account is attempted, the financial institution judges whether or not the account from which the deposit is attempted is the registered payment account (S250), the settlement service is normally processed (S260) only if the account is a registered account, and otherwise the deposit is refused (S270).

In other words, if a transfer of money is attempted from an arbitrary account to the virtual account (S240), the server of the financial institution determines whether the account to which the money transfer is attempted is linked to the virtual account and is a registered payment account (S250 (S260), the transfer transaction is approved only when the remittance account and the registered account match, so that even if a third party tries to deposit money in the virtual account through financial fraud, the transaction is not approved, Thereby preventing the damage caused by the damage.

At this time, if the transaction approval is not made due to the discrepancy between the remittance account and the registered account (S250), the financial institution or the management company transmits the fact to the customer using the contact information of the member information May be desirable.

The present invention will now be described in more detail with reference to the following examples.

For example, as in the case of the example of the Background of the Invention, in the conventional case, when a customer who wants to purchase a bit coin deposits a money through a virtual account issued by a bit coin company or the like, And it was possible to receive the corresponding bit coin irrespective of whether or not the deposit was made through the deposit method, and it has been explained that various crimes are accomplished by abusing such a structure.

However, according to the method of providing a financial transaction service using a virtual account as in the embodiment of the present invention, a customer who wishes to purchase a bit coin must register his / her real name authentication and a payment account of his or her name in a bit coin business, The coin company issues a virtual account linked to the payment account and registers the payment account and the virtual account in a financial institution such as a bank.

Thereafter, when a deposit attempt for the virtual account is made, the financial institution judges whether or not the account attempting to deposit matches the registered account, and approves the transaction only when they match. Thus, It becomes impossible to deal with the virtual account other than the payment account, so that it is possible to prevent the occurrence of financial fraud and the like using the virtual account.

At this time, it may be possible for the customer to register more than one payment account at the same time, add, change or delete the registered payment account, or if the transaction can not be approved due to inconsistency between the remittance account and the registration account, It is preferable to be configured to be notified in real time through contact information of the user. In addition, in the embodiment of the present invention described above, the customer may refer to a terminal device capable of data communication and the like provided by the customer, and the financial institution may be a bank or the like It is also described above.

As described above, according to the present invention, a financial transaction with a virtual account can be performed only when a real name verification and a registered account in which the self-authentication is completed are used, so that a criminal is issued with the intention of a crime such as financial fraud It is possible to provide benefits such as preventing a victim from depositing money on a virtual account, and preventing a crime through a virtual account and damage caused thereby.

The present invention is not limited to the above-described embodiments, and various changes, substitutions, and alterations can be made hereto without departing from the scope of the present invention. But the present invention is not limited thereto.

110: customer 120: management server
125: Database 130: Financial institution

Claims (3)

(a) registering member information including payment account number information of a member whose real name confirmation has been completed in the management server;
(b) issuing and managing a virtual account for the member whose registration of the member information is completed through the management server;
(c) registering the payment account number information as a payment account of the virtual account in a server of the financial institution; And
(d) accepting the deposit only when the deposit account for the virtual account matches the payment account.
The method according to claim 1,
and (e) if the deposit account for the virtual account does not match the payment account, transmitting, to the contact of the member information, a message of non-transferable due to account mismatch, Delivery method.
3. The method according to claim 1 or 2,
Wherein the payment account number information of the step (a) can be registered in two or more.
KR1020150086812A 2015-06-18 2015-06-18 Method for providing financial service using virtual account KR20160149596A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108154372A (en) * 2018-01-18 2018-06-12 北京网信云服信息科技有限公司 A kind of account communications and liaison method and apparatus
KR101879353B1 (en) * 2017-01-31 2018-07-17 권양호 Mediation Service System and Method using Virtual Money
KR20200062095A (en) * 2020-05-19 2020-06-03 주식회사 페이게이트 System and method for depositing by confirming true depositor

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000072676A (en) 2000-09-19 2000-12-05 김정태 Method and system for settling of financial money utilize the virtual account
KR20020031531A (en) 2000-10-20 2002-05-02 채명길 Relay system and method using virtural-account on internet commerce
KR20100108026A (en) 2009-03-27 2010-10-06 주식회사 우리은행 Method for providing financial service using virtual account

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000072676A (en) 2000-09-19 2000-12-05 김정태 Method and system for settling of financial money utilize the virtual account
KR20020031531A (en) 2000-10-20 2002-05-02 채명길 Relay system and method using virtural-account on internet commerce
KR20100108026A (en) 2009-03-27 2010-10-06 주식회사 우리은행 Method for providing financial service using virtual account

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101879353B1 (en) * 2017-01-31 2018-07-17 권양호 Mediation Service System and Method using Virtual Money
CN108154372A (en) * 2018-01-18 2018-06-12 北京网信云服信息科技有限公司 A kind of account communications and liaison method and apparatus
KR20200062095A (en) * 2020-05-19 2020-06-03 주식회사 페이게이트 System and method for depositing by confirming true depositor

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