KR20190008602A - Method and system for using virtual account as meeting account based on messenger service - Google Patents

Abstract

The present invention relates to a technology for processing a banking function by opening a virtual account in a meeting account in cooperation with a bank server. The technology comprises: a step of receiving a request for the meeting account; a step of confirming a user′s right information in response to the request; a step of opening the virtual account in accordance with a request of the meeting account on the basis of a result of checking the user′s right information; a step of providing information related to the opened virtual account; and a step of processing a banking function requested through the user or an administrator participating in the meeting in connection with the opened virtual account.

Description

METHOD AND SYSTEM FOR USING VIRTUAL ACCOUNT BASED ON MESSENGER SERVICE AND ACCOUNT BASED ON MESSENGER SERVICE

Embodiments of the present invention relate to a technique for opening a virtual account in a meeting account in cooperation with a bank server to process a banking function.

An instant messenger, a general communication tool, is software that can transmit and receive messages and data in real time. The user can register a contact on the messenger and send and receive messages in real time to the other party in the contact list.

Such a messenger function is becoming popular in the mobile environment of a mobile communication terminal as well as a PC. For example, Korean Patent Laid-Open Publication No. 1020020074304 discloses a mobile messenger service system and method of a mobile terminal using a wireless communication network that can provide a messenger service between mobile messengers installed in a mobile terminal.

In the recent messenger, there is a chat function that performs a chat with a user through text, voice, etc., as well as a data transmission function of exchanging various data such as a still image, a moving image, and a music with the other party, a product such as a cake, a coffee, a donut, To provide a gift to provide a variety of functions are integrated. As such, a variety of payment methods such as payment for a subscription carrier, credit card payment, etc. are used to present a service product (a cake, a coffee, a donut, a gift certificate, etc.) provided by a messenger. Generally, there are a plurality of credit cards for each user, and there are credit cards which mainly use tax deductions or card benefits. As such, since there are a plurality of credit cards, it is difficult for the users to memorize the card numbers individually, and there is a difficulty in carrying all the cards even if only carrying and carrying the cards mainly used. Recently, in order to solve the problem of the payment means, if a user registers his / her credit card related information in advance, a technique of providing a product purchase even if the card number, the CVC number, .

However, due to the nature of the messenger service, in addition to providing a gift to users registered as friends in a chat room or a messenger, there is a case where information is exchanged between a colleague or members of a specific meeting to provide tuition fees. As described above, there is a problem that the user has to use the internet banking, the mobile banking, and the tele banking separately when making a money transaction with the friends registered in the messenger service rather than the credit card payment company. That is, it is necessary to run a mobile banking application that is different from the currently provided messenger service, or to open an internet web page of the corresponding bank.

Therefore, there is a need for a technique that can process remittances with friends registered in the messenger service in the messenger service, in connection with various payment methods other than simple card payment in the messenger service.

Furthermore, it is possible to process remittances within the messenger service regardless of the type of money, such as real money or virtual money (for example, electronic money, points, etc.) It is possible to spend through application, and there is a need for technology that can provide transaction details in real time.

Korean Patent Laid-Open Publication No. 1020020074304 (published on Sep. 30, 2002), " Mobile Messenger Service System and Method of Mobile Terminal Using Wireless Communication Network " Korean Patent Publication No. 1020120122554 (published Nov. 7, 2012), "Public Account Management Method and System Using Virtual Account Number"

It is an object of the present invention to provide a technique capable of providing a banking function using a virtual account capable of handling real money and virtual money (for example, electronic money, points, etc.).

It is another object of the present invention to provide a banking function such as remittance and deposit even if the users participating in the meeting are not aware of the virtual account by linking the virtual account used as the meeting account and the personal virtual account registered by the users participating in the chat room And to provide a technique for real-time checking of transaction details of banking functions through a messenger.

It is another object of the present invention to provide a technique for providing transaction details processed by at least one of an actual account corresponding to a virtual account, an account card, and an application to users participating in a meeting through a messenger service I want to.

A method of using a meeting account using a virtual account according to an exemplary embodiment of the present invention as a meeting account, the method comprising: receiving a request for the meeting account; confirming a user's right information in response to the request; Opening the virtual account according to a request of the meeting account based on a result of checking the information, providing information related to the opened virtual account, and registering the user or manager participating in the meeting with respect to the opened virtual account And processing the requested banking function.

The rights information of the user indicates access rights to the opening and banking functions of the virtual account, and may be set to have different rights according to the level of the users participating in the meeting.

The step of opening the virtual account may open the virtual account or the real account according to the request of the meeting account from the manager based on the result of checking the user's authority information.

The step of providing information related to the opened virtual account may provide information related to the opened virtual account to each user participating in the meeting, and may provide management information of the virtual account to the manager.

The step of processing the banking function may process the banking function from real money and virtual money (or electronic money) according to users participating in the meeting through the opened virtual account.

The step of processing the banking function may process the banking function with an external virtual account registered in advance for each user participating in the meeting.

The step of processing the banking function may process the banking function performed from at least one of an actual account, an account card, and an application corresponding to the opened virtual account.

The step of processing the banking function may include providing at least one of transaction details of the processed banking function and updated virtual account information to each user participating in the meeting.

The method of using a meeting account for using a virtual account as a meeting account according to an embodiment of the present invention may further include storing transaction details of the processed banking function requested in association with the virtual account.

The step of storing the transaction details may store the transaction history including at least one of an item of income and expenditure, a payment of each of the users participating in the meeting, and a banking result of the users.

Receiving a request for the meeting account, and providing information related to the virtual account opened in response to the request, the system comprising: A virtual account opening unit for opening the virtual account according to a request of the meeting account based on a result of checking the user's authority information and a virtual account opening unit for opening the virtual account upon request of the meeting account, And a banking function processing unit for processing a banking function requested through a user or an administrator participating in the meeting in connection with the opened virtual account.

The information transmitting and receiving unit may provide at least one of transaction details of the processed banking function and updated virtual account information to each user participating in the meeting.

The virtual account opening unit may open the virtual account or the real account according to the request of the meeting account from the manager based on the result of checking the user's authority information.

The banking function processing unit may process the banking function from real money and virtual money (or electronic money) according to users participating in the meeting through the opened virtual account.

The banking function processing unit may process the banking function with an external virtual account registered in advance for each user participating in the meeting.

The banking function processing unit may process the banking function performed from at least one of an actual account, an account card, and an application corresponding to the opened virtual account.

In addition, the meeting account using system using the virtual account according to the embodiment of the present invention may further include a transaction history storing unit that is requested in association with the virtual account and stores a transaction history of the processed banking function have.

According to an embodiment of the present invention, a banking function can be provided using a virtual account that can handle real money and virtual money (e.g., electronic money, points, etc.).

In addition, according to the embodiment of the present invention, the virtual account used as the meeting account and the personal virtual account registered by the users participating in the chat room are linked, so that even if the users participating in the meeting do not know the information about the virtual account, The banking function can be performed, and the transaction details of the banking function can be confirmed in real time through the messenger.

In addition, according to the embodiment of the present invention, transaction details processed by at least one of an actual account corresponding to a virtual account, an account card, and an application can be provided to users participating in a meeting through a messenger service .

FIGS. 1A and 1B are views for explaining an example of a communication environment using a meeting account using system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating an internal configuration of a meeting account using system according to an embodiment of the present invention.
FIG. 3 shows a flowchart of a method of using a meeting account according to an embodiment of the present invention.
FIGS. 4 to 10 illustrate an example of processing a banking function using a virtual account according to an embodiment of the present invention.
11 is a block diagram illustrating an internal configuration of a computer system according to an embodiment of the present invention.
12 is a view for explaining an operation of receiving a transaction history for a banking function according to an embodiment of the present invention.
13 is a diagram for explaining the remittance processing operation according to the embodiment of the present invention.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to or limited by the embodiments. In addition, the same reference numerals shown in the drawings denote the same members.

Also, terminologies used herein are terms used to properly represent preferred embodiments of the present invention, which may vary depending on the viewer, the intention of the operator, or the custom in the field to which the present invention belongs. Therefore, the definitions of these terms should be based on the contents throughout this specification.

The present invention relates to a technology for establishing a virtual account and using the virtual account as a meeting account, in which a virtual account is opened at a corresponding bank, real money or virtual money (for example, electronic money, Point, etc.) to process the banking function.

For example, the embodiments of the present invention can provide a banking function such as remittance, inquiry, transfer, etc. in cooperation with a bank server for users registered as friends in an instant messaging service (i.e., messenger service) . More specifically, a virtual account corresponding to a chat room, in particular, a group chat room is opened, and the virtual account, the group chat room, and the group chat room are registered by the users participating in the virtual chat room, It is possible to provide a banking function such as remittance.

In the present specification, the 'group chat room' is a group chat room formed by gathering people who share a specific purpose, and is also called a so-called room. For example, a room formed by the same team members in a workplace, a kindergarten teacher, A chat room formed by a group of students in the C department of the B university, and a chat room formed by a group of users belonging to the green mother society of the D elementary school.

In this specification, 'virtual account' is a virtually opened account at the bank for use as a meeting account, opened by a manager of a meeting, but opened by a user who has authority to open among a plurality of users participating in the meeting . In addition, the virtual account can be linked with the personal virtual account of each of the users participating in the meeting centered on the one opened by the manager of the meeting. That is, it is a virtual account to use a personal account for a meeting, and a virtual account is a room in which a user participating in a group chat room shares access to the account to handle banking functions such as remittance and inquiry related to the account Can be used, and can exist for each room.

In the present specification, a 'conversation interface' may represent a chat room, a chat room, a band, a service window in a bank server, and the like in an instant messaging service. For example, the chat interface may include a chat room in KakaoTalk, a Naver band in the form of a bulletin board, a service window for opening a virtual account in a bank server, etc. In the embodiment, a virtual account is opened in a chat room The operation of processing the banking function will be described by way of example. However, the present invention is not limited to a meeting formed in a 'conversation interface', but may be a 'conversation interface' that shares a virtual account opened by a manager of a meeting.

In the present embodiments, a group chat room sharing a specific purpose and a chat room formed simply with an acquaintance are not distinguished from each other, but are referred to as a 'chat room', but the chat room described in the embodiments may mean a 'group chat room'. At this time, the interpretation of the chat room is not limited to the group chat room, but can be extended to a simple chat room formed without a specific purpose, such as a room establisher and one or more persons. That is, the virtual account of the chat room does not exist only for the group chat room, but the chat room for all the chat rooms provided by the messenger service is opened and the virtual account of the opened chat room can be managed.

 In the present embodiments, 'user' may mean a user possessed by a user who uses a messenger service. For example, a user may substantially refer to a personal computer (PC), a laptop computer, a smart phone, a tablet, a wearable computer, and the like.

FIGS. 1A and 1B are views for explaining an example of a communication environment using a meeting account using system according to an embodiment of the present invention.

1A shows a meeting account use system 100, a bank server 200, and a network 10. As shown in FIG. In FIG. 1A, the connection line means that data can be transmitted and received between the components using the wired / wireless network 10. In FIG. 1A, the bank server 200 and the plurality of virtual accounts are shown. However, the bank server 200 and the virtual accounts may exist in more than one.

At this time, the virtual account is opened by a user, and the user may be a user terminal such as a PC (personal computer), a laptop computer, a smart phone, a tablet, a wearable computer, , A connection of a web / mobile site related to the meeting account using system 100, or a service dedicated application. Such a user terminal can perform operations of the entire service such as service screen configuration, data input, data transmission / reception, and data storage under the control of a web / mobile site or a dedicated application.

The meeting account using system 100 can open a virtual account or a real account according to a user's request. At this time, the virtual account may be used as a meeting account and may be opened for each bank server 200. In addition, the virtual account can handle real money or virtual money (e. G., Electronic money, points, etc.) in conjunction with a plurality of virtual accounts for each bank server 200.

Furthermore, the meeting account using system 100 may serve as a messenger platform for providing an instant messaging service to a user (client, client). In other words, the meeting account usage system 100 may be a system that provides a messenger service that transmits and receives data in real time to one or more users. Particularly, in the embodiment of the present invention, the meeting account using system 100 links the virtual account opened in the chat room, the chat room, and the users participating in the chat room (or the personal virtual account registered by each of the chat room participating users) It is possible to provide a messenger service that provides a banking function such as remittance and inquiry in cooperation with the server 200.

At this time, the meeting account using system 100 may be implemented in a form of being included in a platform of a messenger server (not shown) that provides an instant messaging service, but the present invention is not limited thereto, It is also possible to implement official account management through interworking with server. In addition, the meeting account using system 100 may be implemented in the form of an application in which at least some components are installed on a user, that is, a user terminal carried by the user, or included in a platform providing a service in a client server environment It is also possible to be implemented in the form of.

1B shows a meeting account use system 100, a virtual account and a user terminal 20 (hereinafter referred to as "user"). 1B, the connection line means that data can be transmitted and received between the components using the wired / wireless network 10. The number of virtual accounts and user terminals 20 shown in FIG. 1B is not limited to this.

1B, the meeting account using system 100 opens an A virtual account in response to a request of a meeting account received from the user A 20a, and responds to a request of a meeting account received from the user B 20b B virtual account can be opened. At this time, the A virtual account may be a virtual account for A bank, and the B virtual account may be a virtual account for B bank.

The existing transfer transfer technique is a method of transferring from the bank B to the bank A when the user B 20b transfers the transfer to the user A 20a, so the transfer fee should be paid.

However, the meeting account using system 100 according to the embodiment of the present invention can process the banking function for transferring money without using the A virtual account and the B virtual account. For example, when the user B 20b deposits a certain amount in the B virtual account of the bank B, the user A 20a can receive the money from the A virtual account of the bank A. [ At this time, it is assumed that the A virtual account and the B virtual account are in an interlocked state.

More specifically, the meeting account using system 100 according to the embodiment of the present invention can perform a banking function by linking virtual accounts opened for each user. According to an embodiment, user A 20a may be a manager of a meeting, user B 20b may be a user participating in a chat interface, and meeting account using system 100 may be a virtual account A Virtual account) and personal virtual account (B virtual account) registered by the user can be linked, and the meeting account can be managed around A virtual account. That is, the meeting account using system 100 stores transaction details according to a banking function such as remittance, inquiry, transfer, and the like, which are processed in the A virtual account, and updated virtual account information to the user (for example, user B (20b).

Furthermore, the meeting account using system 100 can provide the banking function processed in the A virtual account, the transaction history of the banking function, and the updated information to the conversation interface including the user A 20a and the user B 20b have.

FIG. 2 is a block diagram illustrating an internal configuration of a meeting account using system according to an embodiment of the present invention, and FIG. 3 is a flowchart illustrating a method of using a meeting account according to an embodiment of the present invention.

The meeting account using system 100 according to an embodiment of the present invention may include a processor 110, a bus 120, a network interface 130, a memory 140, and a database unit 150. The memory 140 may include an operating system 141 and a service providing routine (not shown), and the processor 110 may include an information transmitting and receiving unit 111, an authorization checking unit 112, a virtual account opening unit 113, a banking function processing unit 114, and a transaction history storage unit 115. In addition, the meeting account utilization system 100 may include other components, such as a display or a transceiver, but is not limited to the components shown in FIG. 2, and may include a need to clearly illustrate the prior art components There is no.

The memory 140 may be a computer-readable recording medium and may include a permanent mass storage device such as a random access memory (RAM), a read only memory (ROM), and a disk drive. Also, the memory 140 may store program codes for the operating system 141 and the service providing routine. Such software components may be loaded from a computer readable recording medium separate from the memory 140 using a drive mechanism (not shown). Further, the recording medium readable by a separate computer may include a computer-readable recording medium (not shown) such as a floppy drive, a disk, a tape, a DVD / CDROM drive, or a memory card. In other embodiments, the software components may be loaded into the memory 140 via the network interface 130 rather than from a computer readable recording medium.

The bus 120 may enable communication and data transfer among the components of the meeting account usage system 100. The bus 120 may be configured using a highspeed serial bus, a parallel bus, a Storage Area Network (SAN), and / or other suitable communication technology.

The network interface 130 may be a computer hardware component for connecting the meeting account using system 100 to a computer network. The network interface 130 may connect the meeting account using system 100 to a computer network via a wireless or wired connection.

The database unit 150 stores a virtual account matched to the chat room, a virtual account matched to the manager of the meeting, a virtual account matched to the user, information related to each user participating in the chat room (e.g., a user's name, The personal account information of the user, and the level of the user indicating the access right to the common account), and store and maintain all the information related to the virtual account used in the meeting account. At this time, the chat room identifier information, the virtual account identifier information, and the identifier information of each user participating in the chat room may be matched and stored and maintained. Although FIG. 2 shows that the database unit 150 is built and included in the meeting account using system 100, the present invention is not limited thereto and may be omitted depending on the system implementation method or environment, It is also possible that the database exists as an external database built on a separate, separate system.

The processor 110 may be configured to process instructions of a computer program by performing input / output operations of the basic arithmetic, logic, and meeting account use system 100. The instructions may be provided by the memory 140 or the network interface 130 and to the processor 110 via the bus 120. The processor 110 is configured to execute program codes for the information transmission / reception unit 111, the authority confirmation unit 112, the virtual account opening unit 113, the banking function processing unit 114 and the transaction history storage unit 115 . Such program codes may be stored in a recording device such as the memory 140. [

In this case, the information transmission / reception unit 111, the authority confirmation unit 112, the virtual account opening unit 113, the banking function processing unit 114, and the transaction history storage unit 115 may perform the steps 310 to 360 of FIG. As shown in FIG.

In step 310, the information transmitting / receiving unit 111 receives a request of the meeting account.

For example, in step 310, the information transmitting / receiving unit 111 may receive a request for use of the meeting account from the manager of the meeting. At this time, the information transmission / reception unit 111 can receive a request for a meeting account from a chat room or an administrator terminal provided through a messenger service. At this time, the manager of the meeting may be a manager with specific authority on the meeting, and may be singular or plural.

As another example, in step 310, the information transmitting and receiving unit 111 may receive a request of a meeting account for a meeting from any one of a plurality of users participating in the meeting. For example, at least one of the users participating in the chat room may select an icon displayed on the chat room screen, and the information transmitting and receiving unit 111 may receive a request for the meeting account according to the selection input.

In step 320, the authority confirmation unit 112 confirms the user's authority information in response to the request.

At this time, the authority confirmation unit 112 can confirm the level of the user based on the identification information of the user (or manager) received at the time of requesting the meeting account. In addition, the authority checking unit 112 can check whether the level of the user corresponds to the opening authority of the virtual account. Here, the user's authority information represents the access right to the opening and banking functions of the virtual account, and can be set to have different rights according to the level of the user who participated in the meeting.

For example, the rights information of the user may include a right to manage a banking function for a virtual account (administrator authority), a right to process a remittance function for a virtual account (a remittance right), and a virtual account A right to process a query function (a query authority), and an authority to set and modify the level of other users participating in the chat room (level authority). In addition, it may further include a virtual account revocation authority and a user participation authority. In addition, the identification information corresponding to each authority may be stored in the database unit 150 and matched with the identification information of the user, and each authority may be granted by the administrator.

In step 330, the virtual account opening unit 113 opens a virtual account according to the request of the meeting account based on the result of checking the user's right information.

For example, in step 330, the virtual account opening unit 113 may open a virtual account or an actual account according to a request of the meeting account from the manager based on the result of checking the user's right information. At this time, the request of the meeting account can be received from any one of a plurality of users participating in the chat room besides the manager.

Here, the virtual account is an account capable of handling banking functions such as remittance, inquiry, and transfer by handling both real money and virtual money (or electronic money, points, etc.) It is an online account that can be opened through the Application. Depending on the embodiment, an account card (check card or credit card) linked to the virtual account may be issued and issued as an electronic passbook or paper passbook. In addition, the actual account is an offline account that can handle banking functions such as remittance, inquiry, and transfer by handling only real money.

The meeting account using system 100 according to the embodiment of the present invention can open a virtual account or a real account based on a request of a meeting account and open an account according to the characteristics of the meeting. For example, in a case where the terminal device is actively used and the online activity is frequent, the use of the virtual account is required, and when the terminal device is not used smoothly and the offline activity is frequent, Use may be required. At this time, the actual account may be owned by the user (or manager).

In step 340, the information transmitting / receiving unit 111 provides information related to the opened virtual account.

At this time, the information transmitting / receiving unit 111 provides information related to the opened virtual account or the opened real account to each user who participated in the meeting, and can provide management information of the virtual account to the manager of the meeting.

For example, the information transmitting and receiving unit 111 transmits to each user participating in the meeting the identification information of the manager managing the virtual account, the account number of the virtual account, the corresponding bank information of the virtual account, a certain amount of money for use in the meeting account, At least one of the date and the number of remittances can be provided. In addition, the information transmitting and receiving unit 111 informs the manager of the meeting that the personal virtual account information of each user linked to the virtual account used as the meeting account, the identification information of the user who participated in the meeting, a certain amount of the meeting received every month or every day, The management information including information on at least one of balance, transaction details about the banking function, remittance of the user, and update information.

According to the embodiment, the information transmission / reception unit 111 may provide the information stored in the database unit 150 to an administrator of the meeting or any user authorized by the administrator.

In step 350, the banking function processing unit 114 processes the banking function requested through the user or manager participating in the meeting in association with the opened virtual account.

Specifically, in step 350, the banking function processing unit 114 processes the banking function using real money and virtual money (or electronic money, points, etc.) received from users participating in the meeting based on the opened virtual account .

For example, the banking function processing unit 114 processes the banking function through interlocking with a personal virtual account (external virtual account) registered in advance for a plurality of users participating in the meeting, centering on the virtual account opened by the manager of the meeting can do. At this time, the virtual account opened by the manager and the personal virtual account registered for each of the plurality of users may be opened in different banks, but a certain amount of money may be transferred from the personal virtual account to the virtual account opened by the manager of the meeting The banking function to be remitted can be performed.

That is, when a meeting is formed, the virtual account opened by the manager is linked to the personal virtual account per user, and a certain amount of money can be remitted every month or day set by the meeting to the virtual account opened by the manager. Also, transaction details and updated information according to the banking function processed in the virtual account opened by the administrator can be provided to each user participating in the meeting, or can be updated in the conversation interface.

As another example, the banking function processing unit 114 may process a banking function traded from at least one of an actual account, an account card, and an application corresponding to a virtual account used as a meeting account. For example, a payment can be made using at least one of a paper money account corresponding to a virtual account used as a meeting account, an account card (check card or credit card), an application installed in the terminal device, a bar code, a QR code, And can provide transaction details of settlement to users and managers who participated in the meeting.

At this time, the settlement can be performed by the administrator, and may be performed by the user who has the authority to manage the account in the meeting. Also, transaction details and update information can be pushed to a terminal device held by an administrator and a user, and can be provided to a conversation interface provided through a messenger service.

Also, according to an embodiment of the present invention, in step 360, the transaction history storage unit 115 may store a transaction history of the banking function that is requested and processed in association with the virtual account. For example, the step 360 may store a transaction history including at least one of income and expenditure items, payment of each of the users participating in the dialogue interface, and banking results of the users.

According to the embodiment, the transaction history storage unit 115 stores a result value by classifying a user (member) and a user (member) who have made an entry and an expense item according to daily, monthly, (Bank) and stores the result corresponding to each of the terminals of the chat room or the meeting manager of the personal account of the corresponding meeting manager.

FIGS. 4 to 10 illustrate an example of processing a banking function using a virtual account according to an embodiment of the present invention.

Hereinafter, an example of processing a banking function according to a virtual account between a meeting corresponding to a conversation interface provided through a messenger service and a user participating in the meeting will be described. However, virtual account creation and banking function processing between users and administrators participating in the meeting are not limited to the situation of the interactive interface.

4 shows a screen 410 of a chat room displayed on a terminal carried by an administrator for a group chat room in which users 1, 2, 3, 4, and 5 participate. At this time, it is assumed that the user 5 is the manager of the meeting.

At this time, a virtual account used as a meeting account is opened in an edge area such as the top or bottom of the screen 410 of the chat room, and an icon 411 for confirming the income and expenditure according to the virtual account is displayed And the icon 411 is selected by the administrator, the information transmitting / receiving unit 111 can receive a request to modify and open the settings related to the chat room.

For example, the screen 410 of the chat room may include the account name (or meeting manager) name, bank information, account number, balance, and date created for the virtual account creation according to the manager's selection input among the actual and virtual accounts Information can be provided.

When the icon 411 for virtual account creation is selected, the manager displays the information of each item (bank, account number, account name, date of birth, mobile phone number, Number, etc.), and can select the registration icon 511 for completing the registration of the virtual account. The information transmitting and receiving unit 111 can receive the input information of each item together with the identification information of the administrator who selected the registration icon 511 and the identification information of the corresponding chat room. At this time, the identification information of the administrator may include at least one of the name of the administrator, the mobile phone number, and the terminal device information. The identification information of the chat room may include meeting characteristics of the chat room, the number of users participating in the meeting, And degree of activation.

Accordingly, the meeting account using system 100 can access the bank account server 100 based on the received virtual account related information (account information such as a bank and an account number and identification information of an administrator such as an account name, a mobile phone number, 200) to perform authentication.

For example, the information transmission / reception unit 111 may request a session setup for communication with the corresponding bank server 200 based on the bank information included in the virtual account related information. When the communication session is established, the information transmission / reception unit 111 can transmit the account number, the account name, the date of birth, and the mobile phone number of the virtual account to the bank server 200. Thereafter, the bank server 200 refers to the database in the server and confirms whether or not the account number, the account name, the date of birth, and the mobile phone number of the virtual account received from the meeting account using system 100 match the information registered in the database And transmit the confirmation result to the meeting account using system 100.

At this time, the information transmission / reception unit 111 receives the information including the confirmation result from the bank server 200, and the authority confirmation unit 112 can authenticate the administrator based on the confirmation result. That is, the meeting account using system 100 can process the authentication of the administrator or the user through the interlocking with the bank server 200. If authentication fails, the meeting account using system 100 re-determines whether or not there is a disagreement more than a predetermined number of times, can do. Furthermore, the information transmitting / receiving unit 111 may disconnect the established communication session with the bank server 200 due to the authentication failure.

Meanwhile, if it is confirmed that the manager authentication is successful, the virtual account related information, the identification information of the chat room, and the identification information of the user may be matched and stored in the database unit 150.

Referring again to FIG. 5, the virtual account registration completion screen 520 according to the authority authentication of the administrator can be provided. The virtual account registration completion screen 520 displays an icon 521 for registering the users participating in the meeting can do.

As the virtual account is registered in the chatting room, the identification information of the user who has participated in the meeting as well as the manager, the chat room, and the virtual account related information registering the virtual account may be matched together and stored and maintained in the database unit 150. At this time, the identification information of the user can be updated whenever a change is made to the user who participated in the chat room.

Referring to FIG. 6, users (i.e., members) participating in a chat room can be set to have access to a virtual account. That is, the users participating in the chat room can be set the authority to process banking functions such as remittance and inquiry by using a virtual account. At this time, the initial rights setting of each user is performed by the administrator who opened the virtual account, and then the authority can be modified by the user who is granted the modification right.

The administrator in FIG. 6 can set or modify the authority for the virtual account on a user-by-user basis by selecting the icon 611 related to the level setting displayed on the authority setting screen 610. For example, Level 1 represents the authority to manage the virtual account or the right to modify the level of the users participating in the chat room, Level 2 represents the remitting right to carry out remittance processing using the virtual account, Level 3 represents the remittance right You can indicate the authority of the query that can perform query processing on the query. In addition, there may be a transfer / deposit right to a virtual account through another virtual account or another payment means (such as a check card or a credit card) in addition to the remittance related to the processing of the banking function of the virtual account and the information inquiry about the virtual account have.

When the administrator (user 5) selects the completion icon 612 after setting the level indicating the authority to the virtual account for each user participating in the chat room on the authority setting screen 610, the authority of a plurality of users and administrators participating in the chat room Information may be stored in the database unit 150.

Thereafter, the authority setting completion screen 620 may be displayed on the screen of the administrator terminal. Accordingly, users participating in the chat room can browse and process information related to the virtual account based on the set right information.

7, information on the opened virtual account (bank information, account name, account number, etc.) is provided in the chat room initial screen 710, and users participating in the meeting (user 1, user 2, user 3 And the user 4) can confirm the information of the virtual account opened in the chat room.

Thereafter, an icon 721 for selecting an information menu can be positioned at the lower end of the chat room screen 720. When an icon 721 is selected by an administrator or a user, an information menu May be displayed. For example, when the icon 721 is selected, the information menu providing screen 730 displays information including display information corresponding to various functions such as data transmission / reception, voice communication, location information, banking, Menus 731, 732, and 733 may be displayed.

The meeting account using system 100 according to the embodiment of the present invention can provide the virtual account opened by the manager of the meeting to the users participating in the chat room and can link the personal virtual account registered in advance by the users participating in the meeting.

Referring to FIG. 8, a personal virtual account of users participating in a meeting can be linked based on a virtual account opened by a manager in a chat room on the virtual account linked screen 810. FIG. For example, the administrator establishes an A virtual account and sets it as a meeting account, and creates an A virtual account and a B virtual account of user 1, a C virtual account of user 2, a D virtual account of user 3, and an E virtual account of user 4 Can be interlocked. At this time, the A virtual account, the B virtual account, the C virtual account, the D virtual account, and the E virtual account may be virtual accounts opened in different banks.

FIG. 9 shows an example in which a user participating in a meeting remits a certain amount of money.

Referring to FIG. 9, a bank name, an account number, an account note, an amount, and a remittance date for remittance to a virtual account used as a meeting account may be displayed on the remittance screen 910. For example, in case of user 1 participating in the meeting, he can send money by inputting a certain amount into B virtual account. Accordingly, the amount can be deposited into the A virtual account, which is a meeting account linked to the B virtual account.

The corresponding money deposited from the user 1 in FIG. 9 may be provided as update information 1011 on the chat screen 1010 in FIG.

For example, a bank account, an account card (check card or credit card) corresponding to an A virtual account used as a meeting account, an application installed in a terminal device, a bar code, a QR code and an NFC function The transaction history information 1011 on the banking function of the A virtual account can be provided (updated) in the chat screen 1010 when the banking function such as settlement, payment, etc. is processed. At this time, the transaction history information 1011 may display the expenditure amount, the use place, the payment method, and the balance. The payment method may be at least one of a paper passbook, an account card (check card and credit card), an application (bar code, QR code and NFC function), account transfer and virtual money (for example, electronic money, Lt; / RTI >

Accordingly, the plurality of users participating in the meeting can confirm the real-time update information 1011 according to the banking function of the A virtual account used as the meeting account.

However, FIGS. 4 to 10 are exemplary screens for facilitating understanding of the invention and for convenience of description, and the configuration and order of the screen can be changed as desired.

11 is a block diagram illustrating an internal configuration of a computer system according to an embodiment of the present invention.

11, a computer system 1100 includes at least one processor 1110, a memory 1120, a peripheral interface 1130, an input / output subsystem (I / O subsystem) 1140, a power circuit 1150, and a communication circuit 1160. At this time, the computer system 1100 may be a user terminal (or an administrator terminal).

The memory 1120 can include a high speed random access memory, a magnetic disk, an SRAM, a DRAM, a ROM, a flash memory or a non-volatile memory, A set of instructions, or other various data necessary for the operation of the computer system 1100. [ At this time, accessing the memory 1120 from other components, such as the processor 1110 and the peripheral device interface 1130, may be controlled by the processor 1110.

The peripheral device interface 1130 may couple the input and / or output peripheral devices of the computer system 1100 to the processor 1110 and the memory 1120. Processor 1110 may execute a variety of functions and process data for computer system 1100 by executing a software module or set of instructions stored in memory 1120.

The input / output subsystem 1140 can couple various input / output peripheral devices to the peripheral interface 1130. For example, the input / output subsystem 1140 may include a controller for coupling peripheral devices such as a monitor, keyboard, mouse, printer, or a touch screen, sensor, etc. as needed to the peripheral interface 1130. Depending on the embodiment, the input / output peripheral devices may be coupled to the peripheral device interface 1130 without going through the input / output subsystem 1140.

The power circuitry 1150 can provide power to all or a portion of the components of the terminal device. For example, the power circuitry 1150 may include one or more power sources, such as a power management system, a battery or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, And any other components for power generation, management, and distribution.

Communication circuitry 1160 may utilize at least one external port to enable communication with other computer systems and meeting account usage systems in accordance with embodiments of the present invention. Or as described above, the communication circuitry 1160 may include RF circuitry to enable communication with other computer systems or meeting account usage systems by sending and receiving RF signals known as electromagnetic signals.

11 is only an example of the computer system 1100, and the computer system 1100 may be considered as some components shown in Fig. 11, or may further include additional components, and two The above components may be combined or arranged. For example, in addition to the components shown in FIG. 11, a computer system for a communication terminal in a mobile environment may further include a touch screen, a sensor, and the like, and various communication methods (WiFi, 3G, LTE , Bluetooth, NFC, Zigbee, etc.).

That is, components that may be included in computer system 1100 may be implemented in hardware, software, or a combination of both hardware and software, including integrated circuitry specific to one or more signal processing or application.

12 is a view for explaining an operation of receiving a transaction history for a banking function according to an embodiment of the present invention.

12 may be performed by the meeting account using system 1200 according to the embodiment of the present invention.

For example, in the case of a virtual account used as a meeting account, when an administrator selects an icon of a transaction history inquiry for a virtual account through the administrator terminal 1210, a manager or a user who has authority to view the transaction details, To the banking system 1220 for the transaction history inquiry.

At this time, the manager may be a person having the authority to manage the virtual account, and the transaction details about the banking function of the virtual account can be inquired through the manager terminal 1210 possessed by the manager. According to the embodiment, the administrator can click an icon for transaction history inquiry or storage in a specific page (only a page accessible by an administrator having authority) in the chat room through the administrator terminal 1210, and the resultant value Can be displayed on a specific page.

12, the administrator can receive the transaction details from the company server 1230 according to the bank system 1220, and the manager terminal 1210 can receive income (meeting dues) and expenses An item, a user who has paid membership (member) and a user who has not been paid (member), displays the result value, and receives the banking result for the users. It is also possible to provide and store the results received in the chat room or manager terminal 1210 where the meeting is formed.

13 is a diagram for explaining the remittance processing operation according to the embodiment of the present invention.

Referring to FIG. 13, in the event that a user participating in a meeting conducts remittance using a personal virtual account registered in advance, the system of using a meeting account according to an embodiment of the present invention allows a user Remittance can be made. At this time, the user who participated in the meeting can send remittance to the administrator of the meeting, but the remittance can also be performed among the users participating in the meeting.

For example, when the user 1 selects at least one of a plurality of users participating in the manager and the meeting through the B virtual account, and transmits money by inputting the amount, the user 2 as the selected user accepts the transfer for the transfer , The transfer can be completed. For example, when the user 1 transfers money to the virtual account A, which is a meeting account, via the virtual account B, the banking function of the money transfer can be handled before the acceptance of the manager who manages the virtual account A is performed.

Embodiments of the present invention as described above with reference to FIGS. 1 to 13 may be implemented not only in a messenger or a chat room, but also in various social networking service applications.

The apparatus described above may be implemented as a hardware component, a software component, and / or a combination of hardware components and software components. For example, the apparatus and components described in the embodiments may be implemented within a computer system, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA) A programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For ease of understanding, the processing apparatus may be described as being used singly, but those skilled in the art will recognize that the processing apparatus may have a plurality of processing elements and / As shown in FIG. For example, the processing unit may comprise a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as a parallel processor.

The software may include a computer program, code, instructions, or a combination of one or more of the foregoing, and may be configured to configure the processing device to operate as desired or to process it collectively or collectively Device can be commanded. The software and / or data may be in the form of any type of machine, component, physical device, virtual equipment, computer storage media, or device , Or may be permanently or temporarily embodied in a transmitted signal wave. The software may be distributed over a networked computer system and stored or executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

The method according to an embodiment may be implemented in the form of a program command that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program instructions to be recorded on the medium may be those specially designed and configured for the embodiments or may be available to those skilled in the art of computer software. Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape, optical media such as CDROMs and DVDs, magnetic optical media such as floppy disks, magnetooptical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of program instructions include machine language code such as those produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. For example, it is to be understood that the techniques described may be performed in a different order than the described methods, and / or that components of the described systems, structures, devices, circuits, Lt; / RTI > or equivalents, even if it is replaced or replaced.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (17)

In a method of using a meeting account using a virtual account as a meeting account,
Receiving a request for the meeting account;
Confirming the user's rights information in response to the request;
Opening the virtual account according to a request of the meeting account based on a result of checking the user's authority information;
Providing information related to the opened virtual account; And
Processing the banking function requested through the user or manager participating in the meeting in connection with the opened virtual account
How to use a meeting account that includes. The method according to claim 1,
The rights information of the user
Wherein the access right of the virtual account and the access right to the banking function are set to have different rights according to the level of the user who participated in the meeting. 3. The method of claim 2,
The step of establishing the virtual account
And establishing the virtual account or the actual account according to the request of the meeting account from the manager based on the result of checking the user's authority information. The method of claim 3,
The step of providing information related to the opened virtual account
Providing information related to the opened virtual account to each user participating in the meeting, and providing management information of the virtual account to the manager. The method according to claim 1,
The step of processing the banking function
And the banking function is processed from real money and virtual money (or electronic money) according to users participating in the meeting through the opened virtual account. The method according to claim 1,
The step of processing the banking function
And processing the banking function with an external virtual account registered in advance for each user participating in the meeting. The method according to claim 1,
The step of processing the banking function
Wherein the banking function is executed from at least one of an actual account, an account card, and an application corresponding to the opened virtual account. The method according to claim 1,
The step of processing the banking function
Providing at least one of transaction details of the processed banking function and updated virtual account information to each user participating in the meeting
How to use a meeting account that includes. The method according to claim 1,
Storing transaction details for the processed banking function requested in connection with the virtual account
≪ / RTI > 10. The method of claim 9,
The step of storing the transaction history
Wherein the transaction history includes at least one of an income and expenditure item, a payment amount of each of the users participating in the meeting, and a banking result of the users. A system for using a meeting account in a virtual account as a meeting account,
An information transceiver for receiving a request for the meeting account and providing information related to the virtual account opened in response to the request;
An authority checking unit for checking the user's authority information in response to the request of the meeting account;
A virtual account opening unit for opening the virtual account at the request of the meeting account based on a result of checking the user's right information; And
A banking function processor for processing a banking function requested through a user or an administrator participating in the meeting in connection with the opened virtual account,
A system for using a meeting account comprising: 12. The method of claim 11,
The information transmission /
And provides at least one of the transaction details of the processed banking function and the updated virtual account information to each user participating in the meeting. 12. The method of claim 11,
The virtual account opening unit
And establishes the virtual account or the actual account according to the request of the meeting account from the manager based on the result of checking the user's authority information. 12. The method of claim 11,
The banking function processing unit
And the banking function is processed from real money and virtual money (or electronic money) according to users participating in the meeting through the opened virtual account. 12. The method of claim 11,
The banking function processing unit
And processes the banking function with an external virtual account registered in advance for each user participating in the meeting. 12. The method of claim 11,
The banking function processing unit
And the banking function executed from at least one of an actual account, an account card, and an application corresponding to the opened virtual account. 12. The method of claim 11,
A transaction history storage unit that stores a transaction history of the processed banking function requested in association with the virtual account,
The system further comprising:

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