KR20180122218A - System and method for providing cost management service link to virtual account for maintaining car - Google Patents

Abstract

The present invention provides a method for providing a vehicle maintenance expense management service linked to a virtual account to prevent illegal use of a user. A system for providing a vehicle maintenance expense management service linked to a virtual account comprises: an affiliated bank server to receive a request to issue a virtual account from a business to assign and issue a virtual account for each money collection purpose, perform a payment to deposit vehicle maintenance expenses linked to the virtual account in an amount deposited from a business into a preset member store if the vehicle maintenance expenses are used at the member store, and process an amount deposited from the business as an unpaid account; a business terminal which is registered from the business, is woken up by a frequency of a beacon of an affiliated member store to use the vehicle maintenance expenses to execute a payment program or an application, scans or reads a unique member store code of a member store terminal to identify the affiliated member store, and inputs a payment amount corresponding to the vehicle maintenance expenses to request a payment; and a payment agency service providing server to receive registration of a terminal and a vehicle to pay vehicle maintenance expenses from the business, issue the unique member store code of the affiliated member store, register a member store terminal of the affiliated member store in the business terminal, verify a region and an amount requested to be paid to determine whether to approve a payment request if the payment request is transmitted to the affiliated bank server from the payment program or the application of the business terminal and a card linked to the virtual account of the business, transmit a determined approval status to the member store terminal, and settle an amount used by the business to the member store terminal.

Description

TECHNICAL FIELD [0001] The present invention relates to a system and a method for providing a virtual account-linked vehicle maintenance management service,

The present invention relates to a method for providing a virtual account-linked vehicle maintenance cost management service, and provides a method of processing a passport service for vehicle maintenance expense in connection with a virtual account as an unpaid account and providing a service for linking with an automatic loan.

Recently, a variety of technologies have been researched and developed by the spread of smart terminals. However, smart card is not used in the form of a corporate card or a business card for the expenditure of a business operator. It is currently impossible to prevent abuse cases.

At this time, the method of preventing the private use of the card of the business operator is performed by setting the approval condition and grasping the use history of real estate right in real time. In this regard, the prior art Korean Registration No. 10-1653785 (Announcement 2016.09.09) discloses a method for registering and subscribing corporate members by using a gas application that allows a corporation to purchase and pay for a corporate real estate right Purchase is performed, the approval or disapproval is determined only under predetermined conditions, and the usage history is notified to the terminal immediately after the payment is approved.

However, even if the condition is set, when the user takes his / her own vehicle, he / she can also use the card of the business operator privately. Since the operation of the vehicle can not be managed, systematic expenditure management can not be performed. Most of the problems that can not be prevented from the economic loss of the operator are the fact that there is no countermeasure and the problem is transferred to the driver's conscience only.

In an embodiment of the present invention, a virtual account is assigned to each provider for each purpose of collection, and the amount of money deposited from the provider is cleared at an affiliated bank to make the settlement or flow of funds transparent, A beacon, a unique code attached to a vehicle, and an operating condition of an application, so that only a legitimate user can use the card or the application. It should be understood, however, that the technical scope of the present invention is not limited to the above-described technical problems, and other technical problems may exist.

According to an aspect of the present invention, there is provided a method of providing a virtual account for a purpose of collecting a virtual account by issuing a request for virtual account issuance from a business entity, When a vehicle maintenance fee is used at a predetermined merchant, a partner bank server that performs settlement so that the payment is made to the merchant and processes the money deposited from the carrier as an unpaid account, a merchant registered from the carrier and affiliated to use the vehicle maintenance fee The billing program or application is executed according to the frequency of the beacon installed in the mobile terminal, and the merchant unique code of the merchant terminal is scanned or read to identify the affiliated merchant, and a payment amount corresponding to the vehicle maintenance fee is inputted to request payment Vehicle maintenance cost from operator terminal and operator A terminal that is to be settled, a vehicle is registered, a unique code of a merchant of the affiliated merchant is issued, a merchant terminal of an affiliated merchant affiliated with the merchant terminal is registered, and a payment program or application of the merchant terminal and a card When the payment request is transmitted to the affiliate bank server, the payment request service is performed to confirm the region and amount requested for payment, determine whether to approve the payment, transmit the determined approval or disapproval to the merchant terminal, and settle the amount used by the business operator to the merchant terminal Server.

In another embodiment of the present invention, there is provided a method for managing a virtual account, comprising the steps of: mapping a virtual account that is granted and issued according to a purpose of collecting a business from at least one affiliate bank server to a business entity terminal, And registering the vehicle identification code. When the application installed in the business terminal is activated from the affiliated merchant terminal and is operated in the front ground, the business terminal scans the unique code of the affiliated merchant terminal. A step of accepting a settlement approval when receiving an approval request from an affiliated merchant terminal, and a step of transmitting a settlement request by transmitting the approved payment amount to a partner bank server, And performing settlement to the affiliated merchant terminal.

According to any of the above-mentioned tasks, a virtual account is assigned to each of the businesses for each purpose of collection, and the amount of money deposited from the provider is processed by the partner bank to make the flow of settlement or funds transparent, To set the operating conditions of the beacon, the unique code attached to the vehicle, and the application to prevent unauthorized use of the card or application so that only a legitimate user can use the card or application.

FIG. 1 is a block diagram for explaining a virtual account-linked vehicle maintenance cost management service providing system according to an embodiment of the present invention.
FIG. 2 is a configuration diagram for explaining a payment agent service providing server shown in FIG. 1. FIG.
3 is a diagram illustrating an embodiment in which a virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention is implemented.
4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the virtual account-linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a virtual account-linked vehicle maintenance cost management service according to an exemplary embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "including" an element, it is to be understood that the element may include other elements as well as other elements, And does not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

The terms "about "," substantially ", etc. used to the extent that they are used throughout the specification are used in their numerical value or in close proximity to their numerical values when the manufacturing and material tolerances inherent in the stated meanings are presented, Accurate or absolute numbers are used to help prevent unauthorized exploitation by unauthorized intruders of the referenced disclosure. The word " step (or step) "or" step "does not mean" step for. &Quot;

In this specification, the term " part " includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be implemented using two or more hardware, or two or more units may be implemented by one hardware.

In this specification, some of the operations or functions described as being performed by a terminal, a device, or a device may be performed instead in a server connected to the terminal, device, or device. Likewise, some of the operations or functions described as being performed by the server may also be performed in a terminal, device or device connected to the server.

In this specification, some of the operations or functions described in the mapping or matching with the terminal are used for mapping or matching the unique number of the terminal or the identification information of the individual, which is the identification data of the terminal . ≪ / RTI >

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram for explaining a virtual account-linked vehicle maintenance cost management service providing system according to an embodiment of the present invention. 1, the virtual account-linked vehicle maintenance cost management service providing system 1 includes a business terminal 100, a payment agent service providing server 300, a partner bank server 400, an affiliate merchant terminal 500, (600), a unique identification code (700), and a unique code (800). However, the virtual account-linked vehicle maintenance cost management service providing system 1 of FIG. 1 is only an embodiment of the present invention, and thus the present invention is not limited to FIG.

At this time, the respective components of FIG. 1 are generally connected through a network 200. For example, as shown in FIG. 1, a vendor terminal 100 may be connected to a payment agent service providing server 300 through a network 200. The provider terminal 100 may be directly or indirectly connected to the affiliated bank server 400 through the payment agent service providing server 300 through the network 200. [ In addition, the affiliate bank server 400 may be connected to the business entity terminal 100 through the payment agency service providing server 300. Also, the beacon 600 may be connected to the vendor terminal 100 through the network 200. [

Here, the network 200 refers to a connection structure capable of exchanging information between nodes such as a plurality of terminals and servers. One example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, A 5th Generation Partnership Project (5GPP) network, a World Interoperability for Microwave Access (WIMAX) network, an Internet, a LAN (Local Area Network), a Wireless LAN (Local Area Network) But are not limited to, a Wide Area Network (PAN), a Personal Area Network (PAN), a Bluetooth network, an NFC network, a satellite broadcast network, an analog broadcast network, a DMB (Digital Multimedia Broadcasting)

The business entity terminal 100 may be a terminal accessing a web page, an application page, an application, or a program provided by the payment agent service providing server 300. At this time, the business entity terminal 100 may be a terminal for registering a business in the payment agency service providing server 300 and requesting a payload service for maintaining the vehicle. In addition, the merchant terminal 100 issues a virtual account to the affiliated bank server 400 for each purpose of collection, and when the merchant arrives at the merchant for vehicle management, the application is activated by the beacon 600 Terminal. The vendor terminal 100 may be a terminal that scans a unique code 800 (not shown) using an application for payment, identifies a merchant, and performs settlement. In addition, the vendor terminal 100 may be a terminal that executes an application only when a unique identification code 700 attached to the vehicle is scanned in order to prevent illegal use of the provider card. The provider terminal 100 may be registered in plural, and may be a card using payment means associated with a virtual account of a business operator other than a business entity, or a terminal of all payer using an application.

Here, the business entity terminal 100 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a set-top box, a notebook equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the business entity terminal 100 may be implemented as a terminal capable of connecting to a remote server or a terminal through the network 200. The provider terminal 100 is a wireless communication device that is guaranteed to be portable and mobility, for example, as a navigation device, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC) Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wibro (Wireless Broadband Internet) A handheld based wireless communication device such as a smartphone, a smartpad, a tablet PC, and the like.

The payment agent service providing server 300 may be a server directly or indirectly providing an app page, a web page, an application, a program, or the like for providing a virtual account-linked vehicle maintenance cost management service. The settlement agency service providing server 300 receives the information of the virtual account issued by the affiliate bank server 400 to the business entity terminal 100 or the affiliated bank server 400, May be a server that performs real-time or next-day settlement to the merchant and requests settlement to the affiliate bank server 400 when the merchant uses the merchant. At this time, you may be charged an amount that includes more fees. The payment agent service providing server 300 may be a server that controls the business agent terminal 100 to wake up and activate using the beacon 600 at the affiliated merchant terminal 500. [ The settlement agency service providing server 300 manages the unique identification code 700 attached to the vehicle of the business operator so that the settlement is activated only when the business entity terminal 100 scans the unique identification code 700 , It is possible to prevent illegal use of the vehicle maintenance cost of the vehicle by the vehicle other than the vehicle registered in the business. The settlement agency service providing server 300 manages the beacon 600 and the affiliated merchant terminal 500 and issues and manages the unique code 800 and the unique identification code 700 and transmits the unique code 800 and the unique identification code 700 to the business entity 100, And can identify the payer by issuing and managing an identification code for each program or application installed in the payer.

At this time, the payment agent service providing server 300 may be implemented as a computer that can access a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The affiliate bank server 400 may be a server that receives a request for a virtual account from a provider, issues a request for issuance of a virtual account from the provider, receives a deposit from a provider to provide a charge service, and provides a service in connection with an automatic loan. In addition, the affiliate bank server 400 may be a server that pays a fee including a fee when a payment is requested from the payment agency service providing server 300. At this time, the affiliate bank server 400 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. [ Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like on which a WEB browser is installed.

The affiliated merchant terminal 500 may be a terminal capable of settlement of QR codes. At this time, the affiliated merchant terminal 500 may be a terminal that identifies the unique identification code 700 of the vehicle and confirms the vehicle and performs settlement when the payment is received by the card. In addition, the affiliated merchant terminal 500 may be associated with the beacon 600, and may activate the application of the business entity terminal 100 with the signal of the beacon 600. [ The affiliated merchant terminal 500 may be a terminal that executes wireless communication so as to be settled at a price input by the affiliated merchant terminal 500 in an application of the provider terminal 100 that has scanned the unique code 800. [

Here, the affiliated merchant terminal 500 may be implemented as a computer capable of connecting to a remote server or terminal through the network 200. Here, the computer may include, for example, a POS terminal, a card terminal, a notebook equipped with a WEB Browser, a desktop, a laptop, and the like. At this time, the business entity terminal 100 may be implemented as a terminal capable of connecting to a remote server or a terminal through the network 200. The affiliate merchant terminal 500 is, for example, a portable communication device with guaranteed portability and mobility, such as a navigation system, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular Personal Handyphone System), PDA (Personal Digital Assistant), IMT (International Mobile Telecommunication) -2000, CDMA (Code Division Multiple Access) -2000, W-CDMA (W- A handheld based wireless communication device such as a smart phone, a smartphone, a smartpad, a tablet PC, and the like.

The beacon 600 may be a device that activates and executes an application of the vendor terminal 100 when the vendor terminal 100 transmits a specific frequency.

The unique identification code 700 and the unique code 800 may be codes that identify the vehicle and identify the merchant. This may be a simple sticker type that does not transmit a frequency with a manual code, or an active element that provides a code or frequency for identifying itself. It should be clear that various communication methods can be used for the communication method, not limited to RFID, ultrasound, Bluetooth, and the like.

FIG. 2 is a block diagram illustrating a payment agent service providing server shown in FIG. 1, and FIG. 3 is a diagram illustrating an embodiment in which a virtual account-linked vehicle maintenance fee management service according to an embodiment of the present invention is implemented .

2, a payment proxy service providing server 300 according to an exemplary embodiment of the present invention includes a storage unit 310, a registration unit 320, a scan unit 330, an authorization unit 340, 350).

(Not shown) operating in conjunction with the settlement agent service providing server 300 or the settlement agent service providing server 300 according to an embodiment of the present invention may be provided to the vendor terminal 100 as a virtual account- When transmitting an application, a program, an application page, a web page, or the like, the business entity terminal 100 can install or open a virtual account-linked vehicle maintenance cost management service application, a program, an application page, a web page, Also, the service program may be executed in the business entity terminal 100 using a script executed in the web browser. Here, a web browser is a program that enables a WWW (World Wide Web) service, and is a program for receiving and displaying hypertext described in hypertext mark-up language (HTML), for example, Netscape (Netscape) An Explorer, chrome, and the like. Further, the application refers to an application on the terminal, for example, an app (app) running on a mobile terminal (smart phone).

At this time, the connection of the network 200 is performed by connecting the business terminal 100, the payment agent service providing server 300, the affiliated bank server 400, the affiliated merchant terminal 500, and the beacon 600 to the network 200 Means that the communication object is created at the communication contact for communication with the terminal. The payment agent service providing server 300 can exchange data with each other through a communication object.

The storage unit 310 may store a virtual account that has been granted and issued for at least one vendor's banking pur- pose purpose from at least one affiliate bank server 400 by mapping the virtual account with the business entity terminal 100 that is a terminal of the business entity.

The registration unit 320 can register the card mapped to the virtual account and the vehicle identification code from the business entity terminal 100. [

The scan unit 330 causes the vendor terminal 100 to scan the unique code of the affiliated merchant terminal 500 when the application installed in the vendor terminal 100 is activated from the affiliated merchant terminal 500 and is operated in the front ground .

The license unit 340 receives the approval request from the affiliate merchant terminal 500 when the unique code is scanned in the commercial terminal 100 and a condition satisfying the predetermined region and amount is input. can do. At this time, the condition that satisfies the predetermined area and the amount of money is a condition including the condition of being less than the stored amount mapped to the type of the vehicle maintenance cost, whether or not less than the maximum oilable amount per day is less, Lt; / RTI > The condition for executing the program or application for payment of the business entity terminal 100 is limited to the case where the unique identification code of the vehicle registered by the business entity is recognized and the beacon signal associated with the affiliated merchant terminal 500 is input .

For example, there are two cases where a user uses the vehicle maintenance cost, such as using an application or using a card.

In the first case, suppose that a user makes a payment using an application. At this time, there are cases where a user brings a registered vehicle from a business operator to repair or oil the vehicle, or there is a case where the user brings his own unregistered vehicle to repair or refuel the vehicle. The latter is when you use your card personally, but there is no way to stop or check it. Therefore, when using the application, by confirming whether it is an affiliated merchant (confirmed by the beacon 600) and confirming whether or not the merchant has brought the registered vehicle of the business (confirmed by the unique identification code 700) To further prevent the abuse of the cost of the business operator.

In the second case, when the user makes a settlement using the card, there is no way to confirm whether the vehicle is the owner's vehicle or the owner's vehicle. In this case, it may be possible only when the affiliated merchant terminal 500 identifies the inherent code 700 attached to the vehicle of the business operator. Through this, it is possible to prevent the abuse of the corporate card or the business card, to confirm the accurate settlement and the use place, and the settlement process can be simplified.

The implementing unit 350 may transmit the settlement approved amount to the affiliated bank server 400, transmit the settlement request, and perform the settlement to the affiliated merchant terminal 500.

On the other hand, when the unique code is scanned in the provider terminal 100 in the license unit 340, a condition satisfying the predetermined region and amount is input, and when the affiliated merchant terminal 500 receives the approval request, When the card is recognized by the affiliated merchant terminal 500 and the vehicle identification code is recognized by the affiliated merchant terminal 500 and the approval request is received from the affiliated merchant terminal 500, Which makes it possible to legitimately use cards as well as applications.

In summary, the vendor terminal 100 is woken up according to the frequency of the beacon registered at the merchant affiliated to use the vehicle maintenance cost registered by the vendor, executes the billing program or application, and scans or updates the merchant unique code of the merchant terminal It is possible to identify the affiliated merchant by reading and enter the payment amount corresponding to the vehicle maintenance fee to request payment.

 The settlement agency service providing server 300 receives the registration of the terminal and the vehicle for payment of the vehicle maintenance fee from the business entity, issues the unique code of the affiliated merchant of the affiliated merchant, registers the merchant terminal of the affiliated merchant affiliated with the business terminal 100, When a payment request is transmitted from the payment program or application of the business entity terminal 100 to a partner bank server 400 in a card interlocked with a virtual account of a business entity, It is possible to transmit the determined approval or disapproval to the merchant terminal and settle the amount used by the merchant to the merchant terminal.

The affiliate bank server 400 requests and issues a virtual account for the purpose of collection by issuing a virtual account issuance from a business entity and when the virtual account is used in a merchant whose preliminary vehicle maintenance cost associated with the virtual account is used, , And the amount deposited from the provider may be treated as an unpaid account. The partner bank server 400 can be automatically linked to the advance amount of the loan when the deposit is not made from the provider.

The affiliated merchant terminal 500 can also wake up and activate the payment program or the application when recognizing the vehicle identification code included in the registered vehicle from the business partner at the affiliated merchant store. At this time, when the business operator makes a payment request at the merchant terminal using the card in addition to the program or the application in the business operator terminal 100, the affiliated merchant terminal 500 recognizes the condition of recognizing the vehicle identification code disposed in the vehicle registered by the business operator And can transmit a settlement request to the settlement service providing server 300.

Hereinafter, a virtual account-linked vehicle maintenance cost management service having the above-described configuration will be described with reference to FIG.

Referring to FIG. 3, (a) a business operator registers a business, a virtual account is issued, and a monthly deposit of 1,000,000 won is made in a virtual account. At this time, (b) the payment agent service providing server 300 receives registration from the affiliated merchant terminal 500, the affiliate bank server 400, and the provider terminal 100 and shares the information. (C) When the operator arrives at the gas station with the operator terminal 100 and the registered vehicle, the operator terminal 100 is activated and woken up by the beacon 600 and execution starts.

(D) When the provider terminal 100 scans the unique code 800 attached to the affiliated merchant, the screen for inputting the amount is displayed and the payment is made with the amount input from the affiliated merchant terminal 500 . At this time, when settlement is completed in the business entity terminal 100, the affiliated merchant terminal 500 can receive the result from the settlement service providing server 300 and complete the settlement.

Alternatively, (e) the vendor terminal 100 may perform the payment by reading the card wirelessly.

Then, when the settlement is completed (f), the vendor terminal 100 receives the message that the settlement has been completed and transmits the message to another terminal of the provider interlocked with the vendor terminal 100, and performs settlement based on the history You can do it fast.

2 and 3 are not described in the same manner as the description of the virtual account-linked vehicle maintenance fee management service providing method described above with reference to FIG. 1 So that the description will be omitted.

4 is a diagram illustrating a process in which data is transmitted and received between the respective components included in the virtual account-linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process of transmitting and receiving data between the respective components will be described with reference to FIG. 4. However, the present invention is not limited to such an embodiment, It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 4, a virtual account is opened in the business terminal 100 to the affiliated bank server 400 in step S 4100, the payment is made in step S 4200, and the payment agent service providing server 300 transmits the virtual account to the affiliated merchant terminal 500 (S4300), and receives the account collection purpose and amount from the affiliate bank server 400 (S4400).

In step S4500, the settlement service providing server 300 converts the information of the business entity, the bank, and the merchant into a database (S4500). Upon receiving the settlement conditions from the business entity terminal 100 (S4600) (S4700).

Then, the settlement agency service providing server 300 issues a unique code to the affiliated merchant terminal 500 and attaches it to the affiliated shop (S4800).

On the other hand, the business entity terminal 100 performs user registration and vehicle registration with the settlement agency service providing server 300 (S4810), and issues a vehicle identification code to the business entity terminal 100 (S4820).

The beacon 600 transmits a signal and recognizes the vehicle identification code in the business terminal 100 in step S4840 and activates the application in step S4960 to recognize the unique code of the affiliated merchant terminal 500 in step S4870, (S4880).

Then, the merchant terminal 100 and the affiliated merchant terminal 500 proceed to settlement (S4890), and when the affiliated merchant terminal 500 requests approval from the affiliated merchant terminal server 500 (S4900) The payment proxy service providing server 300 confirms whether or not the predetermined condition is satisfied (S4910), and when the payment proxy service providing server 300 satisfies the condition, the payment result providing server 300 transmits the approval result to the affiliated merchant terminal 500 (S4920), transmits a payment completion message to the merchant terminal 100 (S4930), and settles the payment to the affiliated merchant terminal 500 (S4940).

The sequence between the above-described steps S4100 to S4940 is merely an example, but is not limited thereto. That is, the order between the above-described steps S4100 to S4940 may be mutually varied, and some of the steps may be executed or deleted at the same time.

4 is a flowchart illustrating a method of providing a virtual account-linked vehicle maintenance fee management service according to an embodiment of the present invention. Referring to FIG. 4, So that the description will be omitted.

5 is a flowchart illustrating a method of providing a virtual account-linked vehicle maintenance cost management service according to an exemplary embodiment of the present invention. Referring to FIG. 5, the settlement service providing server maps the virtual account, which is given and issued according to a purveying purpose of a business from at least one affiliate bank server, to a business terminal that is a terminal of the business and stores the virtual account.

Then, the payment proxy service providing server registers the card mapped to the virtual account and the vehicle identification code from the business entity terminal (S5200), registers the card mapped with the virtual account and the vehicle identification code from the business entity terminal (S5300) .

When the application installed in the business entity terminal is activated from the affiliated affiliated merchant terminal and is operated in the front ground, the payment agency service providing server causes the business entity terminal to scan the unique code of the affiliated merchant terminal (S5400) A condition that satisfies the predetermined area and the amount of money is input, and when the affiliate merchant terminal receives the approval request, the payment approval is granted (S5500).

Finally, the settlement service providing server transmits the settlement approved amount to the affiliated bank server, transmits the settlement request, and performs settlement to the affiliated merchant terminal (S5600).

5, a description of the method for providing the virtual account-linked vehicle maintenance fee management service is the same as that described in connection with the method for providing the virtual account-linked vehicle maintenance fee management service, So that the description will be omitted.

The method for providing the virtual account-linked vehicle maintenance cost management service according to the embodiment described with reference to FIG. 5 may also be embodied in the form of a recording medium including instructions executable by a computer, such as an application executed by a computer or a program module . Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer readable medium may include both computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

The method for providing a virtual account-linked vehicle maintenance cost management service according to an embodiment of the present invention may be implemented by an application installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal) And may be executed by an application (that is, a program) directly installed on a master terminal by a user via an application providing server such as an application store server, an application, or a web server associated with the service. In this regard, the method for providing the virtual account-linked vehicle maintenance cost management service according to the embodiment of the present invention may be implemented as an application installed in the terminal or directly installed by the user (i.e., a program) And can be recorded on a readable recording medium.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form. In addition, although the transaction through the affiliated bank has been described in the above embodiments, the present invention is also applicable to a block chain, which is a call system directly managed by users.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (7)

When a virtual account is requested to be issued from a provider and a virtual account is assigned and issued for each purpose of collection, and when a vehicle maintenance fee associated with the virtual account is used at a predetermined merchant among the money deposited from the business, An affiliate bank server that processes the amount of money deposited from the provider as an unpaid account;
The billing program or the application is executed in accordance with the frequency of the beacon registered at the merchant affiliated to use the vehicle maintenance fee and is scanned or read by the merchant unique code of the merchant terminal, A business entity terminal for identifying the business entity, requesting payment by inputting a payment amount corresponding to the vehicle maintenance fee; And
A terminal and a vehicle to be paid for vehicle maintenance costs are registered from the provider, a unique code of a merchant of the affiliated merchant is issued, a merchant terminal of the affiliated merchant is registered in the provider terminal, , When a payment request is transmitted from the card linked to the virtual account of the provider to the affiliate bank server, it determines whether to approve the region and amount requested for payment, and transmits the determined approval or disapproval to the merchant terminal A settlement agency service providing server for settlement of an amount used by the business entity to the merchant terminal;
The system comprising: a storage unit for storing management information of the virtual accounts;
The method according to claim 1,
Wherein said business entity terminal performs wake-up and activation of said payment program or application when recognizing a vehicle identification code included in a vehicle registered by said business entity at said affiliated merchant's terminal, Delivery system.
The method according to claim 1,
When the business operator makes a payment request at the merchant terminal with the card in addition to the program or application in the business terminal, the partner merchant terminal recognizes the condition of recognizing the vehicle identification code disposed in the vehicle registered by the business operator, And transmits the settlement request to the agent service providing server.
The method according to claim 1,
Wherein the affiliate bank server automatically interlocks with a loan of a prepaid amount when the deposit is not made from the business entity.
A method of providing a virtual account-linked vehicle maintenance cost management service executed in a payment agent service providing server,
The method comprising the steps of: mapping a virtual account assigned and issued by at least one affiliate bank server to a provider terminal that is a terminal of the provider;
Receiving a card mapped with the virtual account and a vehicle identification code from the vendor terminal;
Causing the business entity terminal to scan a unique code of the affiliated merchant terminal when the application installed in the business entity terminal is activated from the affiliated merchant terminal and is operated in the front ground;
Allowing the merchant terminal to scan the unique code, input a condition satisfying the preset region and amount, and authorize payment approval when receiving an approval request from the affiliated merchant terminal; And
Transmitting the settlement approved amount to the affiliate bank server to transmit a settlement request, and performing settlement to the affiliate merchant terminal;
Wherein the method comprises the steps of:
6. The method of claim 5,
Conditions that satisfy the predetermined area and amount are as follows:
A condition including whether or not it is less than the stored amount mapped to the type of the vehicle maintenance cost, whether or not it is less than the maximum oilable amount per day,
A condition for executing a program or an application for payment of the business entity terminal is limited to a case where a unique identification code of a vehicle registered by the business entity is recognized and a beacon signal interlocked with the affiliated merchant terminal is input. A method of providing an account maintenance vehicle maintenance service.
6. The method of claim 5,
Wherein the step of permitting payment approval when receiving the approval request from the affiliated merchant terminal comprises the steps of scanning the unique code in the business entity terminal,
When the card is recognized by the affiliated merchant terminal and the vehicle identification code is recognized by the affiliated merchant terminal and the approval request is received from the affiliated merchant terminal, A method of providing an account maintenance vehicle maintenance service.

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