KR20200122262A - Method and apparatus for integrated management of wallet - Google Patents

Abstract

A device for integrated management of a wallet according to one aspect of the present invention comprises: an input circuit; a display; a memory; and a processor. The processor may be configured to create a master wallet for financial service members and communicate with a financial service server of a financial service company providing a financial service to which the financial service members have subscribed as members for connecting each wallet provided to the financial service members by each financial service company to the master wallet and integrally managing the wallets of the financial service members independently operated by each financial service company through the master wallet.

Description

Wallet integrated management method and device {METHOD AND APPARATUS FOR INTEGRATED MANAGEMENT OF WALLET}

The present invention relates to a method and apparatus for integrated wallet management, and in detail, when a person uses various financial services through various companies, integrated wallet management for integrated management of wallets independently operated by each company It relates to a method and an apparatus thereof.

Recently, as deposit transactions through online have become commonplace, deposit transactions using virtual accounts are widely used.

A virtual account is a linked account attached to an existing account, and it is an account that does not have a passbook and only receives an account number in the customer's name. It is mainly used to pay school fees, various local taxes, apartment management fees, and milk delivery fees. For example, Academia opens an account in the name of Academia at B bank to receive tuition fees, which is a real parent account. Academy A can create linked accounts with as many customers as the number of customers at Bank B, which is a virtual account. Each virtual account is assigned a different number under each customer's name, and when the customer deposits with that number, this money goes into the parent account owned by Academia.

Meanwhile, among the financial services in which such virtual accounts are widely used, there is a P2P funding service. The P2P funding service connects multiple investor members who supply their goods in the form of investment and receive compensation for them, and multiple lender members who use the goods funded from multiple investor members and provide compensation for them Is done.

P2P funding companies that operate P2P funding services are giving investor members virtual accounts for investment, deposit, and remittance. At this time, since P2P funding services of each P2P funding company are operated independently from each other, when a person subscribes to a plurality of P2P funding services as a member and uses the P2P funding service, each P2P funding service has a different ID and password.

Members who subscribe to and use different P2P funding services have to log in with different login information for each P2P funding service, and use different virtual accounts to invest money, deposit, or withdraw money.

In addition, even if the account belonging to any P2P funding service has extra funds, if there is no funds in the virtual account of another P2P funding service you want to invest in, log in to the P2P funding service with extra funds and link to the corresponding P2P funding service account. There was a hassle of having to withdraw money to the connected account of the person who had been connected, and to deposit money into the virtual account of the P2P funding service that he wanted to invest in his connected account.

These hassles are not limited to simple P2P funding services, but can be applied to various financial services in which virtual accounts are used.

The problem to be solved by the present invention is to provide an integrated wallet management method and apparatus for integrating and managing wallets independently operated by each company when one person uses various financial services through various companies. .

An integrated wallet management apparatus according to an aspect of the present invention includes an input circuit; display; Memory; And a processor, wherein the processor generates a master wallet for financial service members, and communicates with the financial service server of a financial service company that provides financial services to which the financial service member has subscribed to each financial service company. It can be configured to integrate and manage the wallets of financial service members independently operated by each financial service company through the master wallet by connecting each wallet given to the financial service members to the master wallet.

The processor communicates with each financial service server to receive a mobile phone number and a withdrawal account number of a financial service member, and compares the last withdrawal request time or the last investment time and the amount of the financial service company that needs to be linked. The same financial service members can be recognized in each financial service company.

Here, the financial service may include a P2P funding service.

The financial service may be a P2P loan service, for example.

The memory may serialize and store name information, account number, deposit/withdrawal time of the financial service company, registered mobile phone number, registered withdrawal account, and amount information.

In another aspect of the present invention, a method for managing integrated wallets includes: generating, by an integrated wallet management device, a master wallet for a financial service member; The integrated wallet management device communicates with the financial service server of a financial service company that provides financial services to which a financial service member has subscribed as a member, and connects each wallet that each financial service company has given to a financial service member to the master wallet. step; And the integrated wallet management device may include a step of integrated management of the wallets of financial service members independently operated by each financial service company through the master wallet.

Another embodiment of the present invention is that the integrated wallet management device communicates with each financial service server to receive the mobile phone number and withdrawal account number of a financial service member, and receive the last withdrawal request time or last It may further include the step of recognizing the same financial service member in each financial service company by comparing the investment time and the amount with each other.

Here, the financial service may include a P2P funding service. The financial service may be a P2P loan service, for example.

According to the present invention, when a person uses various financial services through various companies, by creating a master wallet and connecting the wallets of each company to the master wallet, financial accounts independently operated by each company are integrated. As you can, you can safely protect investors and achieve investment revitalization.

1 is a diagram illustrating a wallet integrated management service according to an embodiment of the present invention.
2 is a diagram illustrating an apparatus for managing integrated wallets according to an embodiment of the present invention.
3 is a diagram for explaining a flow of funds using an integrated wallet management service according to an embodiment of the present invention.
4 is a diagram illustrating a connection between wallets in an integrated wallet management service according to an embodiment of the present invention.
5 is a diagram for explaining an investment product search process performed in a wallet integrated management service according to an embodiment of the present invention.
6 is a diagram illustrating an investment process performed in an integrated wallet management service according to an embodiment of the present invention.
7 is a diagram for explaining a process for segmenting a category in an integrated wallet management service according to an embodiment of the present invention.
8 is a diagram illustrating a function of an investment household account book in an integrated wallet management service according to an embodiment of the present invention.
9 is a diagram illustrating a function of an investment household account book in an integrated wallet management service according to an embodiment of the present invention.
10 is a diagram illustrating a My Page function in a wallet integrated management service according to an embodiment of the present invention.

The present invention will be described in detail with reference to the accompanying drawings as follows. Here, repeated descriptions, well-known functions that may unnecessarily obscure the subject matter of the present invention, and detailed descriptions of configurations are omitted. Embodiments of the present invention are provided to more completely explain the present invention to those with average knowledge in the art. Accordingly, the shapes and sizes of elements in the drawings may be exaggerated for clearer explanation.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

In addition, the term "... unit" described in the specification means a unit that processes one or more functions or operations, which may be implemented by hardware or software, or a combination of hardware and software.

1 is a diagram illustrating a wallet integrated management service according to an embodiment of the present invention.

Referring to FIG. 1, the integrated wallet management service according to an embodiment of the present invention is a member of a plurality of financial service servers 100 providing arbitrary financial services and financial services provided by the financial service server 100. It may be performed by the integrated wallet management device 300 that communicates with the member information terminal 200 of a financial service member by signing up as a financial service.

The financial service server 100 may be, for example, a server operated by a P2P funding company that provides P2P funding services. The P2P funding service may be, for example, a P2P loan service. The P2P loan service may be a service that lends investment funds raised from a plurality of investors to a loan applicant. If necessary, the P2P loan service may be referred to as a P2P investment platform.

The member information terminal 200 is an information terminal of members who use financial services provided from the financial service server 100. For example, the member information terminal 200 may be an information terminal of an investor using a P2P loan service or a P2P investment platform.

The financial service server 100 may provide a wallet necessary to perform a financial service to a financial service member subscribed as a member. The financial service server 100 may provide access information to a financial service member so that each financial service member can access it. The access information may include an ID and password. In addition to access information such as ID and password, the financial service server 100 may receive and store various member identification information for identifying a financial service member from a financial service member.

Member identification information may include a name, social security number, mobile phone number, address, wallet, and linked bank account number.

The financial service server 100 may store investment information, transaction details, deposit and withdrawal information, recent transaction information, and transaction time information of each financial service member.

Each financial service server 200 operates each financial service independently from the other financial service servers 100, so even the same financial service member, each independently access information, member identification information, and investment information of each financial service member. , Transaction history information, deposit and withdrawal information, recent transaction information, and transaction time information are stored.

Accordingly, each of the financial service servers 100 cannot know from each other whether or not a financial service member who is a member of their own financial service is using another financial service provided to another financial service server 100.

Furthermore, each financial service server 100 includes various types of information corresponding to a member of a financial service member subscribed to his or her financial service, and the same member subscribed to another financial service provided to another financial service server 200. Various types of information corresponding to the information of financial service members cannot be linked to each other.

The integrated wallet management device 300 provides an integrated wallet management service to a financial service member by performing communication with the member information terminal 200.

To this end, the integrated wallet management device 300 allocates a master wallet to any financial service member. On the other hand, the financial service member holds each wallet pre-allocated by each financial service server 100 of each financial service company.

The integrated wallet management apparatus 300 may link a mast wallet of a financial service member to wallets of each financial service server 100 owned by a corresponding financial service member.

The integrated wallet management device 300 may perform an interworking necessary for integrated wallet management by using various information stored for each financial service member stored in each financial service server 100.

The integrated wallet management device 300 includes name information, account number, deposit and withdrawal time of the financial service company, registered mobile phone number, and registered withdrawal among information on financial service members stored in each financial service server 100 You can perform the necessary linkage for integrated wallet management by using account, amount information, and various other transaction activities.

To this end, the integrated wallet management device 300 may serialize and store name information, account number, deposit/withdrawal time of a corresponding financial service company, registered mobile phone number, registered withdrawal account, and amount information. That is, name information, account number, deposit and withdrawal time of the financial service company, registered mobile phone number, registered withdrawal account, and amount information are serially arranged and stored in correspondence with each other, so that other information can be easily searched even if one knows only one of various information. To be able to do it.

The integrated wallet management device 300 may receive a mobile phone number and a withdrawal account number of a financial service member and request to input a last withdrawal request time or a last investment time, and an amount of a financial service company requiring interworking.

The integrated wallet management apparatus 300 may compare information input from each financial service server 100 with each other and, if the information is identical, recognize that the wallets belong to the same financial service member.

2 is a view for explaining an integrated wallet management apparatus according to an embodiment of the present invention.

Referring to FIG. 2, the integrated wallet management apparatus 300 according to an embodiment of the present invention may include an input circuit 310, a display 320, a memory 330, and a processor 340. In an embodiment, the integrated wallet management apparatus 300 may omit some components or further include additional components.

In addition, some of the components of the integrated wallet management apparatus 300 are combined to form a single entity, and functions of the corresponding components prior to the combination may be performed in the same manner. In one embodiment, the integrated wallet management device 300 may be configured with a plurality of devices. For example, the integrated wallet management apparatus 300 may include at least one information terminal including a memory 330 and a portion of the processor 340, an input circuit 310 and a display 120; And a central computing device including the rest of the memory 330 and the processor 340.

The input circuit 310 may sense or receive a user input. For example, the input circuit 110 may include at least one of a mouse, a keyboard, and a touch pad.

The display 320 may output content (eg, symbols, text, and images) under the control of the processor 340. The display may include, for example, a liquid crystal display (LCD), a light emitting diode (LED) display, and an organic light emitting diode (OLED) display.

The memory 130 may store various data used by at least one component of the device 300 (eg, the processor 340 ). The data may include, for example, input data or output data for software and instructions related thereto. For example, the memory 330 may store at least one instruction for an integrated wallet management service. The memory 330 may include a volatile memory or a nonvolatile memory.

As the processor 340 executes at least one instruction, it may control at least one other component (eg, hardware or software component) of the device 300 and perform various data processing or operations. The processor 340 is, for example, a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor, an application processor, an application specific integrated circuit (ASIC), and field programmable gate arrays (FPGA). )), and may have a plurality of cores.

3 is a diagram for explaining a flow of funds using an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 3, if the integrated wallet management service according to an embodiment of the present invention is used, a wide area remittance can be performed from one place to several companies, various products can be checked in one place, and investment is possible. Accordingly, it may be possible to build a healthy P2P culture.

The processor 340 allocates a master wallet to member A. Member A has Wallet A in Client A, Wallet B in Client B, Wallet C in Client C, Wallet D in Client D, and Wallet E in Client E Are doing. The master wallet is linked to the wallets of member A owned by each customer.

4 is a diagram for explaining a connection between wallets in an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 4, member A has a mast wallet, a customer company A has a wallet A, and a customer company B has a wallet B.

The processor 340 may link the member A's mast wallet to the customer A's wallet A and the customer B's wallet B.

The linkage between wallets is the most careful part. It is a part that requires a simple, two- and three-fold safe interlocking means.

To this end, the processor 340 may use a customer's deposit and withdrawal time, a registered mobile phone number, a registered withdrawal account, and various other transaction activities.

For example, the processor 340 may request to input a mobile phone number and a withdrawal account number to input a last withdrawal request time or a last investment time and an amount of a company that needs to be connected.

The processor 340 may compare the input information with pre-stored information and, if the information matches, register a lower member of member A or link the wallet through another method.

5 is a diagram for explaining an investment product search process performed in an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 5, the processor 340 may transfer the remaining deposits in the wallet of the affiliated A funding company to the master wallet.

Thereafter, the processor 340 may move to the investment page and check the investment products of the customer that have entered the integrated platform.

At this time, investment in any investment product is possible only if the customer has a wallet of the company. If you want to invest in a product of a company that does not have a wallet, you can simply sign up for a member based on the information of the existing integrated platform member. Accordingly, companies can attract customers without major marketing for safer products.

6 is a diagram illustrating an investment process performed in an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 6, the processor 340 may perform wide area remittance from the master wallet of member A to the wallet of member A in customer A. Thereafter, the processor 340 may perform transaction authentication on the integrated platform and then make an investment in product A.

The processor 340 may make it appear as if all investments are made in one page when investment is completed through the existing investment certification or other investment certification method.

7 is a diagram for explaining a category segmentation process in a wallet integrated management service according to an embodiment of the present invention.

Referring to FIG. 7, the processor 340 may subdivide categories. Members can choose their preferred investment method. The processor 340 can expose the investment product as simple as possible, and when a desired product is clicked, it outputs detailed information. At this time, when the product is clicked, the processor does not move to the company's homepage, but exposes the product content attachment file on the company's homepage as it is.

8 is a diagram illustrating a function of an investment household account book in an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 8, the processor 340 provides an investment household account book function. The processor 340 may enable a member to grasp all investment details of all companies in which he/she is investing at a glance through an investment household account book function.

Accordingly, members can identify company risks and objective analysis of investment products without being common in rewards through pages such as monthly, annual, company, and overdue management.

In addition, members can grasp the actual revenue by month, yearly, and company relative to the principal at a glance.

In fact, members with high current investments, such as professional investors, income-qualified investors, and corporate investors, can provide convenient functions to these investors by using Excel to create household account books.

9 is a diagram illustrating a function of an investment household account book in an integrated wallet management service according to an embodiment of the present invention.

Referring to FIG. 9, the processor 340 may allow members to construct their own portfolio through statistics for each product type through an investment household account book function. In addition, the processor provides the expected repayment amount through the investment household account book function, enabling members to build a more systematic investment plan.

10 is a diagram for explaining a My Page function in a wallet integrated management service according to an embodiment of the present invention.

Referring to FIG. 10, the processor 340 provides a My Page function. My Page allows members to check the balance of their linked wallets at a glance.

My Page allows members to check the virtual account numbers of their wallets at a glance. My Page allows members to check detailed transaction details for the last month's worth of their wallets. My Page provides members with the ability to instantly transfer money to a wide area with their linked wallet.

The method for confirming the true depositor of a virtual account according to an embodiment of the present invention is implemented as a program and can be read by a computer, such as CD-ROM, RAM, ROM, and floppy disk. ), a hard disk, a magneto-optical disk, a Secure Digital (SD) card, a micro SD card, and a Universal Serial Bus (USB) memory.

The integrated wallet management method according to an embodiment of the present invention may be implemented in the form of a web-based program, or may be implemented in the form of an application installed in a mobile terminal. In addition, a program in which the method for managing integrated wallets according to an embodiment of the present invention is implemented may be installed in the integrated wallet management apparatus according to an embodiment of the present invention.

Although specific embodiments of the present invention have been shown and described above, the technical idea of the present invention is not limited to the accompanying drawings and the above description, and various modifications are possible within the scope not departing from the spirit of the present invention. It is obvious to those of ordinary skill in the art, and this type of modification will be deemed to belong to the claims of the present invention within the scope not contrary to the spirit of the present invention.

Claims (10)

Input circuit;
display;
Memory; And
Consists of a processor,
The processor generates a master wallet for a financial service member, and communicates with a financial service server of a financial service company that provides a financial service to which the financial service member has subscribed to the financial service member. Wallet integrated management device configured to integrate and manage wallets of the financial service members independently operated by each financial service company through the master wallet by connecting each of the assigned wallets to the master wallet.
The method of claim 1, wherein the processor,
By performing communication with each of the financial service servers, receiving the mobile phone number and withdrawal account number of a financial service member, and comparing the last withdrawal request time or the last investment time, and amount of financial service companies that need to be linked to each other, Wallet integrated management device that recognizes members of the same financial service in service companies.
The apparatus of claim 1, wherein the financial service is a P2P funding service.
The apparatus of claim 3, wherein the financial service is a P2P loan service.
The method according to claim 1,
The memory is a wallet integrated management device that serializes and stores name information, account number, deposit and withdrawal time of a corresponding financial service company, registered mobile phone number, registered withdrawal account, and amount information.
Generating, by an integrated wallet management device, a master wallet for a financial service member;
The integrated wallet management device communicates with a financial service server of a financial service company that provides a financial service to which the financial service member has subscribed as a member, and stores the respective wallets assigned by each financial service company to the financial service member as the master wallet. Connecting to; And
And integrating, by the integrated wallet management device, managing wallets of the financial service members independently operated by each financial service company through the master wallet.
The method of claim 6,
The wallet integrated management device communicates with each of the financial service servers to receive the mobile phone number and withdrawal account number of a financial service member and receive the last withdrawal request time or last investment time, and amount of a financial service company that needs to be linked. Wallet integrated management method further comprising the step of comparing each other to recognize the same financial service member in each financial service company.
The method of claim 6, wherein the financial service is a P2P funding service.
The method of claim 8, wherein the financial service is a P2P loan service. The method of claim 6,
The integrated wallet management device further comprises serializing and storing name information, account number, deposit/withdrawal time of a corresponding financial service company, registered mobile phone number, registered withdrawal account, and amount information.

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