KR20210026245A - Apparatus of providing settlement service for minor - Google Patents

Abstract

The present invention relates to a technology for providing a payment service for minor based on a virtual account. A device for providing payment service for minor comprises: a virtual account providing unit creating a virtual account connected to a real account of a parent and providing the virtual account to a minor child of the parent; a deposit request receiving unit receiving a deposit request together with payment history information including the virtual account number, payment amount, and deposit account number from a payment terminal; a transfer processing unit transferring the payment amount from the real account connected to the virtual account number to the deposit account number through a bank server if a parent terminal decides whether to agree to the transfer for the payment amount and if there is consent; and a pocket money management unit processing the requested amount to be withdrawn from the real account of the parent in an event that virtual pocket money including the limit and period is paid to the virtual account number and there is a request for withdrawal of the pocket money.

Description

Virtual account-based payment service for minors {APPARATUS OF PROVIDING SETTLEMENT SERVICE FOR MINOR}

The present invention relates to a technology for providing a payment service for minors, and more specifically, a virtual account that allows minors to directly pay pocket money, school expenses, etc. by giving a virtual account connected to the parent's account, and to allow the corresponding expenses to be paid from the connected parent account. It relates to an account-based payment service for minors.

A virtual account is a kind of electronic wallet that has the same characteristics as a real account that can be charged with real money, transferred between accounts, paid for goods, and withdrawn in cash. In general, virtual account recharge methods include deposit without a bankbook, internet banking, and automatic transfer.

Recently, a payment service using a virtual account has been widely used. The virtual account payment service is a payment service in which payment is completed when a customer receives a virtual account number and deposits a selected amount into a corresponding virtual account, and has the advantage of efficiently managing deposit and withdrawal transaction details.

On the other hand, parents with minor children receive a prepaid recharge card to manage their children's allowance, recharge a designated amount, and allow it to be used within the designated amount. There is a hassle, such as paying by visiting the academy or paying for it.

Korean Registered Patent Publication No. 10-1871312 (2018.06.20) relates to a system, server, and method for providing a payment service for minors, and when a minor payment terminal receives a request for cash payment, it notifies the payment identification, and the provider terminal makes a cash payment. After requesting the payment to the minor payment terminal, the payment is requested according to the payment identification notified from the minor payment terminal, and the minor payment service providing server requests payment from the provider terminal and transfers cash to the provider's virtual account and approves the payment at the same time. After request, payment approval is notified and transfer is made from the provider's virtual account to the provider's deposit account, and the guardian terminal requests payment approval from the minor payment service providing server and notifies the payment approval to the minor payment service providing server, and the minor is a beacon We present a technology implemented so that you can pay cash directly by using and go to the payment cash by the approval of the guardian.

Korean Registered Patent Publication No. 10-0488291 (2005.04.29) relates to a virtual account charging/payment method. The user's real account balance for each bank is accessed through a screen scraping engine installed in the user terminal to the corresponding bank server. Checking a real withdrawal account that can inquire and withdraw the recharge amount.After checking the real withdrawal account, select a real withdrawal account from the user terminal and charge it to a child account of a virtual account server opened in the same bank as the real withdrawal account. Transferring the amount, performing, by the screen scraping engine in the virtual account server, contacting the bank server to confirm the deposit for the own account of the virtual account server, corresponding to the virtual account of the user who made the deposit after confirming the deposit Including the step of recharging the amount, and transferring the amount from the parent account of the virtual account server to the requested real account when requesting the refund of the virtual account balance, using screen scraping and own account opened for each bank. We introduce technology that can reduce the burden of transfer fees on users and make efficient transfers of funds.

Korean Patent Publication No. 10-1871312 (2018.06.20) Korean Registered Patent Publication No. 10-0488291 (2005.04.29)

An embodiment of the present invention provides an apparatus for providing a payment service for minors based on a virtual account that allows minors to directly pay pocket money and school expenses by giving a virtual account linked to the parent's account, and to allow the corresponding expenses to be paid from the linked parent account. I want to.

One embodiment of the present invention is to issue a physical payment card with a virtual account number assigned to a minor in the amount, period, usage, etc. We intend to provide a virtual account-based payment service providing device for minors that can be provided and verified.

An embodiment of the present invention provides an apparatus for providing a payment service for minors based on a virtual account that can periodically charge virtual pocket money to a virtual account number and transfer payment from a real account of a parent connected to the virtual account number when using the virtual pocket money. I want to provide.

Among embodiments, the apparatus for providing a payment service for minors based on a virtual account includes a virtual account providing unit that creates a virtual account connected to a real account of a parent and provides the virtual account to the minor child of the parent, and the virtual account from a payment terminal. A transfer request receiving unit that receives a transfer request along with payment details information including the number, payment amount, and deposit account number, determines whether or not the parent terminal agrees to transfer the payment amount, and if there is consent, the virtual In the case of a transfer processing unit that transfers the payment amount from the real account linked to the account number to the deposit account number, and a virtual allowance including a limit and period to the virtual account number, and a request for withdrawal of the allowance is made It includes an allowance management unit that processes the requested amount to be withdrawn from the real account of the parent.

The virtual account providing unit may store the virtual account in connection with the real account of the parent, and issue and provide a virtual payment card to which the virtual account number is assigned.

The virtual account provider may designate a charging amount and an expiration period to the virtual account so that payment is made within the limit of the charging amount during the expiration date, and may redesignate the charging amount and expiration date at a predetermined period.

The deposit request receiving unit determines whether the virtual account is valid or not based on the expiration date information specified in the account number when there is a deposit request from the payment terminal, and if it is not valid, the virtual account is sent to the parent terminal. You can request to re-specify the charge amount and expiration date.

The payment request receiving unit may determine whether or not a payment purpose is within a range designated by a parent based on the payment details information, and when out of the range, may notify the payment terminal of the inability to deposit.

The transfer processing unit may provide payment details of the minor child to the parent terminal through a push notification or text message through a chat app with the parent terminal to receive confirmation.

The transfer processing unit may receive transfer details information from the bank server and notify the transfer result to the parent terminal and the payment terminal.

When the remaining limit of the virtual account number falls below a certain amount, the allowance management unit manages the limit of the virtual account by requesting a charge to the parent terminal, and withdraws cash for the virtual account through a cash dispenser or the terminal of the minor child. If there is a request, it may be processed to withdraw cash from the real account of the parent connected to the virtual account number through the bank server to the cash dispenser.

The disclosed technology can have the following effects. However, since it does not mean that a specific embodiment should include all of the following effects or only the following effects, it should not be understood that the scope of the rights of the disclosed technology is limited thereby.

The apparatus for providing a payment service for minors based on a virtual account according to an embodiment of the present invention enables direct payment of pocket money, school expenses, etc. by giving a virtual account linked to a parent's account to minors, and the corresponding payment cost is a parent connected to the virtual account. You can have your account payable.

The device for providing a payment service for minors based on a virtual account according to an embodiment of the present invention issues a physical payment card in the name of the minor to the minor and makes a direct payment through the personal payment card for a limited amount within a predetermined validity period without using the parent's name card. By providing the payment details to the parents and receiving confirmation, theft due to the loss of the parent's name card can be prevented.

The apparatus for providing a payment service for minors based on a virtual account according to an embodiment of the present invention periodically charges a virtual pocket money to a virtual account number, and when using the virtual pocket money, transfers and pays from the real account of the parent connected to the virtual account number, You can manage your child's use of pocket money.

1 is a diagram illustrating a system for providing a payment service for minors based on a virtual account according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a physical configuration of the apparatus for providing a payment service for a minor in FIG. 1.
FIG. 3 is a block diagram illustrating a functional configuration of the apparatus for providing payment service for minors in FIG. 1.
4 is a flowchart illustrating an embodiment of a process of providing a payment service for minors based on a virtual account in the device for providing payment service for minors in FIG. 1.
5 is an exemplary view showing a form of notification of payment details provided to a parent terminal in FIG. 1.

Since the description of the present invention is merely an embodiment for structural or functional description, the scope of the present invention should not be construed as being limited by the embodiments described in the text. That is, since the embodiments can be variously changed and have various forms, the scope of the present invention should be understood to include equivalents capable of realizing the technical idea. In addition, since the object or effect presented in the present invention does not mean that a specific embodiment should include all or only such effects, the scope of the present invention should not be understood as being limited thereto.

Meanwhile, the meaning of terms described in the present application should be understood as follows.

Terms such as "first" and "second" are used to distinguish one component from other components, and the scope of rights is not limited by these terms. For example, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component.

When a component is referred to as being "connected" to another component, it should be understood that although it may be directly connected to the other component, another component may exist in the middle. On the other hand, when it is mentioned that a component is "directly connected" to another component, it should be understood that there is no other component in the middle. On the other hand, other expressions describing the relationship between components, that is, "between" and "just between" or "neighboring to" and "directly neighboring to" should be interpreted as well.

Singular expressions are to be understood as including plural expressions unless the context clearly indicates otherwise, and terms such as "comprises" or "have" refer to implemented features, numbers, steps, actions, components, parts, or It is to be understood that it is intended to designate that a combination exists and does not preclude the presence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof.

In each step, the identification code (e.g., a, b, c, etc.) is used for convenience of explanation, and the identification code does not describe the order of each step, and each step has a specific sequence clearly in the context. Unless otherwise stated, it may occur differently from the stated order. That is, each of the steps may occur in the same order as specified, may be performed substantially simultaneously, or may be performed in the reverse order.

All terms used herein have the same meaning as commonly understood by one of ordinary skill in the field to which the present invention belongs, unless otherwise defined. Terms defined in commonly used dictionaries should be construed as having meanings in the context of related technologies, and cannot be construed as having an ideal or excessively formal meaning unless explicitly defined in the present application.

1 is a diagram illustrating a system for providing a payment service for minors based on a virtual account according to an embodiment of the present invention.

1, a virtual account-based payment service providing system for minors 100 includes a minor terminal 110, a virtual payment card 120, a parent terminal 130, a payment terminal 140, a bank server 150, and It may include a minor payment service providing device 160.

The minor terminal 110 may correspond to a computing device capable of requesting a virtual account recharge from the parent terminal 130, which is a guardian, and inquiring the balance and charging status of the virtual account, and may be implemented as a smartphone, laptop, or computer. It may be, but is not limited thereto, and may be implemented in various devices such as a tablet PC.

The virtual payment card 120 may correspond to a real IC card to which a virtual account number is assigned. The virtual payment card 120 includes a microcomputer and a memory embedded in a plastic card having the same size and thickness as a check card or a credit card, and may include a virtual account number. The virtual payment card 120 may be issued through a financial institution such as a bank in which a parent's real account is opened with parental consent, or through an underage payment service provider. The virtual payment card 120 may have a limited one-time charge amount, a valid period may be determined for the one-time charge amount, and a purpose such as payment of pocket money and school expenses may be determined. The virtual payment card 120 may be automatically charged with a specified amount once a month on a predetermined date. For example, the virtual payment card 120 may be used as an allowance card that automatically recharges 50,000 won on the first day of each month. The virtual payment card 120 may be immediately charged with the permission of the parent according to the user's request for charging.

The parent terminal 130 is a computing device that can receive payment details whenever a payment request for the virtual payment card 120 held by the minor child and agree to transfer the payment amount from the real account connected to the virtual account number. This may be applicable, and may be implemented as a smartphone, a laptop computer, or a computer, but is not necessarily limited thereto, and may be implemented as various devices such as a tablet PC. The parent terminal 130 may determine whether or not to consent to the transfer of the payment request from the payment terminal 140, and when the transfer consent is granted, transfer the corresponding amount from the real account connected to the virtual account to the designated account of the payment terminal 140. I can. After the transfer is completed, the parent terminal 130 may receive transfer details information from the bank server 150 of the real account or the payment service providing device 160 for minors.

The payment terminal 140 may correspond to a point of sale (POS) provided for payment at an affiliate store that sells goods or provides services, and is not limited thereto, and uses the virtual payment card 120 presented by a minor. It may be implemented as a computing device capable of performing payment. In one embodiment, the payment terminal 140 transmits the amount to be paid together with the virtual account number read from the virtual payment card 120 to the minor payment service providing device 160 to request a transfer and information indicating that the transfer is complete. Upon receipt, you can issue a payment receipt.

The bank server 150 may issue a virtual payment card 120 to which a virtual account number is assigned, and an account designated as a payment destination in the parent's real account according to internet banking, non-bankbook deposit, and ATM deposit attempts through the parent terminal 130. The payment amount can be transferred to and notified of the completion of the transfer to the payment service providing device 150 for minors.

The payment service providing device for minors 160 can issue a virtual account to a minor child, and can notify the payment details to the parent terminal 130 of the real account connected to the virtual account in response to a payment request based on the virtual account, and transfer It can be implemented as a server corresponding to a computer or program that can be checked. Here, the virtual account may be issued through the bank server 150, and at this time, the minor payment service providing device 160 provides the virtual account and real account information connected thereto through the bank server 150 or the parent terminal 130. You can receive and manage. The minor payment service providing device 160 may be connected to the payment terminal 140 through a network, and may receive payment-related information from the payment terminal 140, and the real account name connected to the virtual account number included in the payment-related information. Payment information may be provided to the parent terminal 130 of the parent terminal 130 as a push notification or text through a chat app. The minor payment service providing device 160 may provide a notification of payment details to the parent terminal 130. In one embodiment, the minor payment service providing device 160 may receive transfer information from the bank server 150 and transfer the transfer information to the minor terminal 110 and the payment terminal 140, respectively.

In one embodiment, the minor payment service providing device 160 may link and store a virtual account issued to a minor child with a real account of a parent in connection with a database. The payment service providing apparatus 160 for minors may be implemented by including a database therein as needed. In addition, the minor payment service providing apparatus 160 may be implemented including a processor, a memory, a user input/output unit, and a network input/output unit, which will be described in more detail with reference to FIG. 2.

FIG. 2 is a block diagram illustrating a physical configuration of the apparatus for providing a payment service for a minor in FIG. 1.

Referring to FIG. 2, an apparatus for providing payment service for minors 160 may include a processor 210, a memory 230, a user input/output unit 250, and a network input/output unit 270.

The processor 210 can execute each procedure for providing pocket money payment and school expenses payment services to minors based on the virtual account, and can manage the memory 230 that is read or written throughout the process, and the memory It is possible to schedule a synchronization time between the volatile memory and the non-volatile memory in 230. The processor 210 can control the overall operation of the payment service providing device 160 for minors, and is electrically connected to the memory 230, the user input/output unit 250, and the network input/output unit 270 to control data flow between them. Can be controlled. The processor 210 may be implemented as a CPU (Central Processing Unit) of the payment service providing device 160 for minors.

The memory 230 is implemented as a nonvolatile memory such as a solid state disk (SSD) or a hard disk drive (HDD), and may include an auxiliary storage device used to store all data required for the payment service providing device 160 for minors. In addition, a main memory device implemented with volatile memory such as random access memory (RAM) may be included.

The user input/output unit 250 may include an environment for receiving a user input and an environment for outputting specific information to a user. For example, the user input/output unit 250 may include an input device including an adapter such as a touch pad, a touch screen, an on-screen keyboard, or a pointing device, and an output device including an adapter such as a monitor or a touch screen. In one embodiment, the user input/output unit 250 may correspond to a computing device accessed through a remote connection, and in such a case, the minor payment service providing device 160 may be performed as a server.

The network input/output unit 270 includes an environment for connecting to an external device or system through a network, for example, a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and a VAN ( Value Added Network) may include an adapter for communication.

FIG. 3 is a block diagram illustrating a functional configuration of the apparatus for providing payment service for minors in FIG. 1.

3, the minor payment service providing device 160 may include a virtual account providing unit 310, a deposit request receiving unit 330, a transfer processing unit 350, an allowance management unit 370, and a control unit 390. have.

The virtual account providing unit 310 may create a virtual account connected to a real account of a parent and provide the virtual account to a minor child of the parent. In one embodiment, the virtual account providing unit 310 may store the virtual account by linking it with a real account of a parent, and issue and provide a virtual payment card 120 to which a virtual account number is assigned. Here, the virtual payment card 120 may be issued in the form of a plastic IC card that a minor child may possess, and may store a virtual account number.

In one embodiment, the virtual account providing unit 310 may designate a charging amount and an expiration date in the virtual account so that payment can be made within the limit of the charging amount during the expiration date, and the charging amount and expiration date are re-read at a certain period. Can be specified. The virtual account providing unit 310 may manage the current balance and expiration date of the virtual account.

The deposit request receiving unit 330 may receive a deposit request from the payment terminal 140 along with payment details information including a virtual account number, a payment amount, and a deposit account number. In one embodiment, the deposit request receiving unit 330 may determine whether the virtual account is valid based on the expiration date information specified in the account number when there is a deposit request from the payment terminal 140, and if it is not valid, the parent terminal You can request (130) to reassign the amount and expiration date of the virtual account.

In one embodiment, the payment request receiving unit 330 may determine whether or not the payment purpose is within the range specified by the parent based on the payment details information, and when out of the specified range, the payment terminal 140 is notified of the inability to deposit. can do. Here, the payment purpose may be designated in advance during the issuing process of the virtual payment card 120 or may be designated through confirmation of the parent during the payment process. For example, you can designate a payment destination such as academy, bookstore, stationery, snack shop, and convenience store, and you can designate payment items such as books and stationery. When the payment purpose is out of the specified range, the payment request receiving unit 330 may receive payment details from the parent terminal 130 before notifying the payment terminal 140 of the inability to deposit.

The transfer processing unit 350 may determine whether to consent to the transfer of the payment amount of the parent terminal 130, and if there is consent, transfer the payment amount from the real account connected to the virtual account number through the bank server 150 to the deposit account number. It can be processed to transfer. In one embodiment, the transfer processing unit 350 may provide the payment details of the minor child to the parent terminal 130 through a push notification or text message through a chat app with the parent terminal 130 to receive confirmation.

In response to a transfer request from the transfer processing unit 350, the bank server 150 may transfer an amount corresponding to the payment amount among the amounts contained in the real account number of the parent to the deposit account. Here, the process of performing the transfer from the parent's real bank account to the deposit account through the bank server 150 may be a matter that is obvious to those skilled in the art, even if it is not described in detail.

The transfer processing unit 350 may receive transfer details information from the bank server 150 and may notify the transfer result to the parent terminal 130 and the payment terminal 140. Here, the transfer history information may include a withdrawal account (parent's real account), a transfer amount, and deposit account information. The parent terminal 130 may confirm that the transfer has been completed through the transfer history information. The payment terminal 140 may confirm that the payment has been completed through the transfer history information and may issue a payment receipt.

The pocket money management unit 370 may pay virtual pocket money including a limit and a period to the virtual account number, and when there is a request for withdrawal of the pocket money, it may process to withdraw the requested amount from the real account of the parent. In an embodiment, when the remaining limit of the virtual account number falls below a certain amount, the pocket money management unit 370 may request a charge to the parent terminal 130 to manage the limit of the virtual account. The pocket money management unit 370 may be charged immediately by limiting the amount of charging once, and may be charged regularly by specifying the date and amount once a month. The minor child may request withdrawal of cash through an ATM using the virtual payment card 120 in possession, and may request withdrawal of cash by accessing the network through the minor terminal 110 in the vicinity of the ATM.

In one embodiment, the pocket money management unit 370, when there is a cash withdrawal request for the virtual account through the cash machine or the minor terminal 110, cash in the real account of the parent connected to the virtual account number through the bank server 150 Cash withdrawals can be processed with a teller machine. When the balance is insufficient in the virtual account, the allowance management unit 370 may notify the parent terminal 130 of the lack of balance to charge and then withdraw cash.

The control unit 390 can control the overall operation of the virtual account-based payment service providing device 160 for minors, and the virtual account providing unit 310, the deposit request receiving unit 330, the transfer processing unit 350, and the pocket money management unit ( It is possible to control the data flow between 370).

4 is a flowchart illustrating an embodiment of a process of providing a payment service for minors based on a virtual account in the device for providing a payment service for minors in FIG. 1.

In FIG. 4, the minor payment service providing device 160 generates a virtual account number that is connected to the parent's real account (step S410). Here, the virtual account number may be issued and provided to a parent's minor child in the form of a plastic IC card. Minor children can make payments based on a virtual account through a card with a virtual account.

The minor payment service providing device 160 receives a payment request from the payment terminal 140 for the payment of the minor child based on the virtual account (step S430). Here, the payment terminal 140 may request a deposit together with payment details information including a virtual account number, a payment amount, and a deposit account number read from the virtual payment card 120.

After notifying the payment details to the parent terminal 130, the minor payment service providing device 160 checks the transfer status and processes the transfer from the parent's real bank account connected to the virtual account number (step S450). Here, the payment details may include a virtual account number, a payment amount, and deposit account information. The payment details may be provided to the parent terminal 130 through a push notification or text message through a chat app, and the notification may be provided in various ways without being limited thereto. The parent terminal 130 may check the payment details of the minor child in real time and determine whether to consent to the transfer, so that the transfer process is performed only for the payment approved (permitted) by the parent.

The minor payment service providing device 160 pays virtual pocket money to the virtual account number and, when there is a request for cash withdrawal of the pocket money, withdraws the requested amount from the real bank account of the parent (step S470).

5 is an exemplary view showing a form of notification of payment details provided to a parent terminal in FIG. 1.

Referring to FIG. 5, a notification of payment details based on a virtual account of a minor child may be provided to the parent terminal 130 as a text message in real time. In the payment service providing apparatus 160 for minors according to an embodiment, the payment details including at least the payment amount are notified to the parent terminal 130 registered as a guardian, and a transfer agreement is queried, and an answer may be provided by text.

The apparatus for providing payment service for minors based on a virtual account according to an embodiment can allow minors to pay pocket money, school expenses, etc. directly by giving a virtual account to minors, and the payment can be made in the account of a connected parent, so that the child's pocket money is used. Monitor and prevent inappropriate payment behavior and use of parents' cards by children.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the following claims. You will understand that you can do it.

100: Virtual account-based payment service providing system for minors
110: minor terminal 120: virtual payment card
130: parent terminal 140: payment terminal
150: bank server 160: minor payment service providing device
210: processor 230: memory
250: user input/output unit 270: network input/output unit
310: virtual account providing unit 330: deposit request receiving unit
350: transfer processing unit 370: pocket money management unit
390: control unit

Claims (8)

A virtual account providing unit that creates a virtual account connected to a real account of a parent and provides the virtual account to the underage children of the parent;
A deposit request receiving unit configured to receive a deposit request together with payment details information including the virtual account number, a payment amount, and a deposit account number from a payment terminal;
A transfer processing unit that determines whether a parent terminal agrees to transfer the payment amount and, if there is consent, transfers the payment amount from a real account connected to the virtual account number to the deposit account number through a bank server; And
Virtual account-based payment for minors including an allowance management unit that pays a virtual allowance including a limit and a period to the virtual account number and processes to withdraw the requested amount from the real account of the parent when there is a request for withdrawal of the allowance Service providing device.
The method of claim 1, wherein the virtual account providing unit
A virtual account-based payment service providing apparatus for minors, characterized in that the virtual account is connected to the real account of the parent, stored, and issued as a virtual payment card to which the virtual account number is assigned.
The method of claim 2, wherein the virtual account providing unit
Payment for a minor based on a virtual account, characterized in that the charging amount and the expiration date are specified in the virtual account so that payment is made within the limit of the charging amount during the expiration date, and the charging amount and the expiration period are redesignated at regular intervals. Service providing device.
The method of claim 1, wherein the deposit request receiving unit
If there is a deposit request from the payment terminal, the validity of the virtual account is determined based on the expiration date specified in the account number, and if the payment is not valid, the amount and expiration date of the virtual account charged to the parent terminal Virtual account-based payment service providing device for minors, characterized in that requesting to be redesignated.
The method of claim 4, wherein the deposit request receiving unit
Providing a virtual account-based payment service for minors, characterized in that it determines whether or not the payment purpose is within the range specified by the parent based on the payment details information, and if it is out of the range, the payment terminal is notified of the inability to deposit. Device.
The method of claim 1, wherein the transfer processing unit
A virtual account-based minor payment service providing device, characterized in that the payment content of the minor child is provided to the parent terminal through a push notification or text message through a chat app with the parent terminal to receive confirmation.
The method of claim 6, wherein the transfer processing unit
An apparatus for providing payment service for minors based on a virtual account, characterized in that receiving transfer details information from the bank server and notifying the transfer result to the parent terminal and the payment terminal.
The method of claim 1, wherein the allowance management unit
When the remaining limit of the virtual account number falls below a certain amount, a request is made to the parent terminal to manage the limit of the virtual account, and when a cash withdrawal request is made for the virtual account through a cash machine or the terminal of the minor child In the virtual account-based minor payment service providing apparatus, characterized in that processing to withdraw cash from the real account of the parent connected to the virtual account number through the bank server to the cash dispenser.

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