KR20220013993A - A method and server for supporting the provision of charging money - Google Patents

Abstract

According to one embodiment of the present invention, in a method for a server to support provision of recharge money, provided is a method, which includes the steps of: determining a plurality of groups by grouping a plurality of affiliated stores which can use the discharge money according to an industry; determining, according to a user input, a group in which the discharge money of the second account can be used among the plurality of groups; and supporting the first account to provide the discharge money of the second account. Therefore, parents can conveniently provide pocket money to their children and efficiently manage the children's use of pocket money.

Description

A METHOD AND SERVER FOR SUPPORTING THE PROVISION OF CHARGING MONEY

The present invention relates to a method and a server for supporting the provision of charging money, and more particularly, it is possible for a first account to provide charging money to a second account and manage a group in which the charging money of the second account can be used. It relates to a technology that can support parents to conveniently provide pocket money to their children and efficiently manage their children's use of pocket money by supporting them.

In general, as a means for parents to give pocket money to their children, cash, a check card in the parent's name, simple payment/remittance such as Kakao/Toss, and a check card in the child's name are used. However, in the case of cash, there is a high probability of loss and it is impossible to check the usage history. In the case of a check card, the reissuance procedure is inconvenient and there is no means to manage pocket money in advance. The downside is that documentation is required. In addition, in the case of simple payment/remittance, there are many restrictions on use because there is an entry barrier that only children over 14 years of age can use it.

On the other hand, in the online and offline payment markets, digital money is actively used as a payment method replacing the conventional plastic card or mobile card. Such digital money may be charged using a user's financial account or credit card.

However, according to the prior art, when the user who charges the amount of digital money and the user who actually uses the digital money are different, a cumbersome operation is required every time for charging, and there is no way to check how the digital money is being used. There are various restrictions such as legal problems that may also arise.

Accordingly, there is a growing demand for technology that can overcome the above-described problems and allow parents to safely and conveniently provide and manage pocket money to their children.

Korean Patent Laid-Open Patent No. 10-2009-0036162, method and system for charging children's allowance using online account and recording medium therefor

One embodiment of the present invention is to solve the problems of the prior art described above, and it is possible to provide a method and a server for supporting parents to conveniently provide pocket money to their children and to efficiently manage their children's use of pocket money.

The object of the present invention is not limited to the object mentioned above, and other objects not mentioned will be clearly understood from the description below.

A method for a server to support the provision of charging money according to the first aspect of the present disclosure includes the steps of: determining a plurality of groups by grouping a plurality of affiliated stores that can use the charging money according to industry; determining, according to a user input, a group in which the charging money of the second account can be used among the plurality of groups; and supporting the first account to provide charging money for the second account.

In addition, the method may further include; determining an area in which the charging money can be used according to the user input.

In addition, in the supporting step, the first account may repeatedly provide the charging money of the second account according to a preset period.

In addition, the method further includes the step of receiving characteristic information of the subject, wherein the step of determining, according to a user input, a group that can use the charging money of the second account from among the plurality of groups according to a user input A group that can use the recharge money of the second account may be determined based on the characteristic information.

In addition, the step of supporting the first account to provide the charging money of the second account may include determining the amount of the charging money of the second account provided by the first account for a preset period based on the characteristic information. have.

In addition, the method includes the steps of receiving characteristic information of the subject; and a group in which the charging money of the second account can be used among the plurality of groups based on the characteristic information, the amount of the charging money of the second account provided by the first account during a preset period, and the second account The method may further include; providing guide information on at least one of the limit amounts allowed in each group that can use the charging money of .

In addition, the characteristic information may include at least one of age, gender, current school, family relationship, residential area, and interest of the subject.

In addition, the method may further include; determining a time period during which the charging money can be used differently for each of the plurality of groups according to the user input.

In addition, the method may further include the step of providing location information for a plurality of affiliated stores that can use the charging money based on preset map information as the first account provides the charging money of the second account. can

In addition, the method includes the steps of: receiving a change request for the amount of charge money of the second account provided by the first account; and based on the amount of charge money spent in the second account during a preset period and the average amount of charge money spent by users of the same age group as the subject, recommendation information on the amount of charge money in the second account is provided It may further include the step of

A server supporting the provision of charging money according to the second aspect of the present disclosure includes: a receiving unit for receiving a user input; A plurality of affiliated stores that can use the charging money are grouped according to the type of business to determine a plurality of groups, and a group that can use the charging money of the second account among the plurality of groups is determined according to the user input, and the first and a processor that supports the account to provide charging money for the second account.

Also, the processor may determine an area in which the charging money can be used according to the user input.

In addition, the processor may support the first account to repeatedly provide the charging money of the second account according to a preset period.

In addition, the receiving unit receives the characteristic information of the subject, and the processor determines a group that can use the charging money of the second account from among the plurality of groups according to a user input, and the second account among the plurality of groups A group that can use the charging money of may be determined based on the characteristic information.

In addition, the processor may determine the amount of charge money of the second account provided by the first account for a preset period based on the characteristic information.

In addition, the receiving unit receives the characteristic information of the subject, and the processor provides the first account for a group that can use the charging money of the second account among the plurality of groups based on the characteristic information, and for a preset period It is possible to provide guide information about at least one of the amount of the charging money of the second account and the limit amount allowed in each group in which the charging money of the second account can be used.

In addition, the characteristic information

It may include at least one of the subject's age, gender, school attended, family relationship, residential area, and interest.

A third aspect of the present disclosure may provide a computer program stored in a recording medium to implement the method according to the first aspect. Alternatively, the fourth aspect of the present disclosure may provide a computer-readable recording medium in which a program for executing the method according to the first aspect is recorded on a computer.

According to an embodiment of the present invention, it is possible to support a parent to conveniently provide pocket money to a child and to efficiently manage the child's pocket money use.

In addition, the parent, who is the legal representative, can easily open a second account that is linked to the parent's own first account through authentication and can be used by the child, and can conveniently provide pocket money from the first account to the second account.

In addition, it can reduce the possibility of loss and damage compared to cash or debit cards, and at the same time support parents to easily check their children's pocket money usage history.

In addition, by automatically recharging pocket money into the child's account at every cycle set by the parent, the child's pocket money is automatically paid without separately requesting the pocket money from the parent, thereby improving user convenience.

In addition, there is an advantage of being able to manage pocket money in advance beyond simply checking payment details.

In addition, by setting an optimized value for the availability and amount of charging money for each group of affiliated stores and regions, it is possible to provide a customized service for each child's characteristics.

It should be understood that the effects of the present invention are not limited to the above-described effects, and include all effects that can be inferred from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a diagram schematically illustrating a configuration of a system supporting the provision of charging money according to an embodiment.
2 is a block diagram illustrating an example of a configuration of a charging money support server according to an embodiment.
3 is a flowchart illustrating an example of a method for a charging money support server to support provision of charging money according to an embodiment.
4 is a flowchart illustrating an example of a method for a charging money support server to manage a first account and a second account according to an embodiment.
5 is a flowchart illustrating an example of a method in which a charging money support server manages use of charging money in a second account according to an embodiment.
6 is a flowchart illustrating an example of a method in which the charging money support server provides the charging money usage history of the second account to the first account, according to an embodiment.

The terms used in the embodiments are selected as currently widely used general terms as possible while considering the functions in the present invention, but may vary depending on the intention or precedent of a person skilled in the art, the emergence of new technology, and the like. In addition, in a specific case, there is a term arbitrarily selected by the applicant, and in this case, the meaning will be described in detail in the description of the corresponding invention. Therefore, the term used in the present invention should be defined based on the meaning of the term and the overall content of the present invention, rather than the name of a simple term.

In the entire specification, when a part “includes” a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, the “… wealth", "… The term “module” means a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software.

Throughout the specification, 'support' may be broadly interpreted as meaning including the performance of a related operation to achieve a specific purpose, and is not construed as limiting. For example, if server A supports server A so that server A performs operation B, server C's support for server A comprehensively covers the performance of related operations required in the process of server A performing operation B. can be interpreted as including For example, server C provides related information necessary for server A to perform operation B, a pre-action expected to be required in the process that server A performs operation B, and a message requested by server A to perform operation B can be received and the like.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily carry out the embodiments of the present invention. However, the present invention may be implemented in several different forms and is not limited to the embodiments described herein.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a diagram schematically illustrating a configuration of a system supporting the provision of charging money according to an embodiment.

Referring to FIG. 1 , a system according to an embodiment may include a charging money support server 100 , one or more first user terminals 200 , and one or more second user terminals 200b .

The charging money support server 100 according to an embodiment represents a computing device that supports the provision of charging money, and in an embodiment, may be a server operated by a business that provides a charging money-based electronic payment service, The present invention is not limited thereto, and may include one or more servers operated by business operators that provide fintech-based payment services in various online and offline forms.

In one embodiment, the charging money support server 100 may be implemented as a server such as a computer that operates through a computer program for realizing the functions described herein, and other devices (eg, server, terminal) through a network ) and may include all types of wired/wireless communication devices that can be connected to. Here, the network may be configured through various communication networks such as wired and wireless, for example, a local area network (LAN), a metropolitan area network (MAN), and a wide area network (WAN: wide area network). Network), etc., may be composed of various communication networks.

In an embodiment, the first user terminal 200 represents a computing device associated with the first account, and the second user terminal 300 represents a computing device associated with the second account.

In an embodiment, the first account is an account of a first user (eg, a parent) who subscribes to a charging money service provided by the charging money support server 100 , and the second account is an account of the first user (eg, a parent) It may be an account of a second user (eg, a child) who can receive charging money from the first account as it is created in association with the first account based on authentication. In another embodiment, the first account is the master account of the first user (eg, parent), and the second account is created in association with the first account based on authentication of the first user (eg, parent). It may be a sub-account of a first user (eg, a parent) in which charging money can be provided from the first account and use rights are granted to a second user (eg, a child). An embodiment related thereto will be described later with reference to FIGS. 2 to 6 below.

In one embodiment, the first user terminal 200 and the second user terminal 300 are implemented as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, etc., respectively, to establish a wireless communication network. It includes all kinds of handheld-based wireless communication devices that can be connected to the charging money support server 100 through, or is implemented as a desktop PC, tablet PC, laptop PC, etc. ) and may include a wired/wireless communication device that can be connected.

For convenience, the first user terminal 200 and the second user terminal 300 have been described separately, but the present invention is not limited thereto. It can be collectively understood as a terminal that can be used by

In an embodiment, the first user terminal 200 and the second user terminal 300 may install and store an application for a charging money service in a memory. In an embodiment, the charging money service may be understood as a concept encompassing a method for supporting the provision of charging money described below, and the charging money support server 100 provides an application for the charging money service, is connected to the first user terminal 200 and the second user terminal 300 through the Various additional services (eg, electronic payment using charging money) may be supported.

However, it can be understood by those of ordinary skill in the art that other general-purpose components other than those shown in FIG. 1 may be further included in the system. For example, the system includes a merchant terminal (not shown) for offline payment, a bank server (not shown) or card company server (not shown) that is linked for financial transactions in the process of providing charging money, and electronic for online payment It may further include a commerce server (not shown) and the like. Alternatively, according to another embodiment, some of the components shown in FIG. 1 may be omitted.

2 is a block diagram illustrating an example of the configuration of the charging money support server 100 according to an embodiment.

Referring to FIG. 2 , the charging money support server 100 according to an embodiment may include a receiving unit 110 and a processor 120 .

The charging money support server 100 according to an embodiment determines a plurality of groups by grouping the receiving unit 110 for receiving a user input and a plurality of affiliated stores that can use the charging money according to the type of industry, and the first of the plurality of groups. The processor 120 may include a processor 120 that determines a group that can use the charging money of the second account according to a user input and supports the first account to provide the charging money of the second account.

The above-described series of operations and configurations will be described later in detail with reference to FIGS. 3 to 6 .

The receiver 110 according to an embodiment may receive a user input from the first user terminal 200 and the second user terminal 300 , and the first user terminal 200 and the second user terminal 300 and It may include a wired/wireless communication device that is connected through a network to transmit/receive various types of information described below.

The processor 120 according to an embodiment may perform a series of operations supporting the provision of charging money, and may be implemented as a central processor unit (CPU) that controls the overall operation of the charging money support server 100 , , may be electrically connected to the receiver 110 and other components to control data flow between them.

In addition, those of ordinary skill in the art can understand that other general-purpose components in addition to the components shown in FIG. 2 may be further included in the charging money support server 100 . For example, the charging money support server 100 may further include a storage unit (eg, a memory, a database) for storing data used throughout the operation, an input/output interface for outputting information, and the like.

3 is a flowchart illustrating an example of a method in which the charging money support server 100 supports the provision of charging money according to an embodiment.

In step S310, the charging money support server 100 according to an embodiment may determine a plurality of groups by grouping a plurality of affiliated stores that can use the charging money according to the industry. For example, the charging money support server 100 may store and manage business type information for each of a plurality of affiliated stores determined according to an affiliate contract related to the use of charging money in a database, and set each affiliate store to a plurality of preset business types. Based on it, it can correspond to any one of a plurality of groups.

Here, the charging money may represent electronic money, prepaid electronic payment means, etc. that have the same exchange value as real money or perform the same function through the network, and in one embodiment, the real money according to a preset exchange rate It may include virtual currency that can be exchanged for money, and the like. For example, recharge money may be used for online or offline payment at various affiliated stores, and may perform the same functions as cash, such as being used to transfer money to a savings account.

In an embodiment, the charging money support server 100 may assign a different group identifier (eg, GID) to each of the plurality of groups, and manage each group through the group identifier. In an embodiment, the plurality of groups may include at least one of a convenience store group, a snack shop group, a PC room group, a clothing group, a beverage group, a fast food group, a cosmetics group, and a bookstore group.

In step S320, the charging money support server 100 according to an embodiment may determine a group that can use the charging money of the second account from among a plurality of groups according to a user input. For example, when the charging money support server 100 receives a charging money provision request from the first user terminal 200 for requesting that the charging money be provided to the second account based on the first account, a plurality of groups A group list including information about (eg, group name, example business name, etc.) and a message indicating that group setting is possible according to user selection may be transmitted to the first user terminal 200, and the first user terminal 200 It is possible to determine a group in which the charging money of the second account can be used based on a selection input of the first user (eg, a parent) for one or more of the plurality of groups received from the .

Here, “recharge money of the second account” refers to the recharge money provided by the first account to the second account, and may be understood as a different concept from the above-described “recharge money”. For example, “recharge money for the second account” refers to the second account of the second user who is a child from the first account of the first user who is the parent according to the charge money service contract between the first user and the operator that provides the charge money service. It is provided to the account, and the use of the charging money in the second account may be restricted based on the use setting by the first user who is the parent.

As such, “recharge money of the second account” refers to an account transfer transaction (eg, a specific amount of money transferred from a deposit account set up in Bank A) or card payment transaction (eg, a card company A) used when charging electronic money in general. It represents a concept different from general charging money that is charged according to a post-payment (or pre-payment) payment of a specific amount using a credit card (or debit card). According to an embodiment, normal charging money to the second account by the second user (eg, a child) using the second account through another payment method (eg, card payment in the name of the first user, etc.) instead of through the first account Recharge money may be provided as a way to recharge let it be described

In an embodiment, the charging money support server 100 may receive a request to open a second account associated with the first account before step S310 or S320. For example, the charging money support server 100 receives a request to open a new second account as a sub-account of the first account from the first user terminal 100a of the first user (eg, parent) using the first account. based on the authentication of the first user (eg, parent) according to a preset method (eg, family relationship authentication, parental identity authentication, etc.) It is possible to create a second account capable of this. In this case, the second account is the account of the first user (eg parent) to which the second user (eg child) is granted access, or the first user (eg parent) and second user (eg child). can be managed as a joint account of

In another embodiment, the charging money support server 100 may receive a request for linking the first account and the second account before step S310 or S320. For example, the charging money support server 100 requests the linkage of the first account used by the first user (eg, parent) and the second account used by the second user (eg, child) from the first user terminal 100a can receive, and based on the authentication of the first user (eg, parent) according to a preset method (eg, family relationship authentication, parent identity authentication, etc.), the first account and system of the first user (eg, parent) 2 You can link a second account of a user (eg, a child).

Accordingly, the parent, who is the legal representative, can easily open a second account that is linked to the parent's own first account through authentication and can be used by the child.

In an embodiment, as the first account and the second account are linked, the charging money support server 100 transmits a group list including information on a plurality of groups as described above from the first user terminal 200 . A group that can use the charging money of the second account may be determined based on the received selection input of the first user (eg, a parent).

In an embodiment, the charging money support server 100 may receive characteristic information of the subject, and determine a group that can use the charging money of the second account from among a plurality of groups based on the characteristic information. In an embodiment, the characteristic information of the subject may include at least one of the subject's age, gender, current school, family relationship, residential area, and interest. In an embodiment, the target refers to a second user (eg, a child) who uses the charging money of the second account, and the characteristic information of the target may further include characteristic information of the first user (eg, a parent).

For example, the charging money support server 100 provides an input form for a plurality of preset characteristics including age, gender, school characteristics (eg, specialization, general), sibling/sister status, etc. in the process of step S320 The first user terminal 200 may request to input the characteristic information of the child who will use the second account, and the child using the user's selection input for each of the plurality of characteristics received from the first user terminal 200 may generate information on a group suitable or recommended to use the charging money of the second account and provide it to the first user terminal 200 .

In an embodiment, the charging money support server 100 sets a group (hereinafter referred to as a 'first setting element') that can use the charging money of the second account among a plurality of groups based on the characteristic information of the subject; The amount of recharge money of the second account provided by the first account during the period (hereinafter referred to as the 'second setting element') and the limit amount allowed in each group that can use the recharge money of the second account (hereinafter, '' Guide information for at least one of the 'third setting elements' may be provided. For example, the charging money support server 100 is based on the big data and the characteristic information of the child input by the parent, the first setting element that is educationally recommended to the child or used on average by other children having similar characteristics to the child. Statistical information about the setting value of the to third setting element may be generated.

In an embodiment, the charging money support server 100 may acquire guide information through machine learning. For example, the charging money support server 100 determines a recommended value for the first to third setting elements based on a plurality of characteristic information (eg, age, gender, school characteristics, sibling/sister status, etc.) It creates a guide decision model that provides The performance of the guide decision model can be improved by performing training.

In an embodiment, the charging money support server 100 determines a similar user group having characteristic information similar to the target's characteristic information by more than a preset level, and a similarity for at least one of the first setting element to the third setting element. Guide information including average usage information of a user group may be generated. For example, if the subject is a 10-year-old boy with one sibling, the charging money support server 100 is within a preset age difference (eg, 2 years) with the subject and includes at least one sibling and a user of the same gender. were determined as a similar user group, and the average percentage of parents of similar user groups granting their children access to each group (e.g., convenience store group: 30%, grocery store group: 70%, PC room group: 80%, etc.) guide information on the first setting element, guide information on the second setting element including the average amount of charging money that the parents of similar user groups provided to their children on average for a month (eg, an average of 200,000 won per month), and A system that includes the average upper limit of the amount of charging money that parents of similar user groups allow their children to use for each group (e.g., convenience store group: up to 30,000 won, grocery store group: up to 50,000 won, convenience store group: up to 50,000 won, etc.) 3 Guide information on the setting element may be generated and provided to the first user terminal 200 .

In an embodiment, the charging money support server 100 may provide guide information on the first setting element by highlighting one or more groups in which average usage information of similar user groups is equal to or greater than a preset reference value. For example, when the charging money support server 100 provides guide information to the first user terminal 200 , the average ratio allowed by the parents of the similar user group is a preset value (eg, 70%) or more. By controlling the group and the PC room group to be visually emphasized and displayed on the first user terminal 200, it is possible to support parents to easily set up a group in which the charging money of the second account can be used.

In an embodiment, the charging money support server 100 generates guide information for the first setting element to the third setting element according to the highest priority in the order of age, gender, siblings, and school type among the characteristic information of the subject. For example, when performing machine learning, age and gender may be sequentially given the highest priority, and school type may be given the lowest priority, so that the recommendation values of the first to third setting elements may be determined.

In an embodiment, the charging money support server 100 may determine a group that can use the charging money of the second account based on the user response to the provided guide information, for example, a recommended value included in the guide information. may be provided to the first user terminal 200 as a default value, and a group that can use the charging money of the second account may be determined based on a user approval or modification request therefor.

Among the factors influencing pocket money, age may be the most influential factor. With age, consumption levels can increase in a cascading fashion. Also, the factor that has the second highest influence on pocket money may be gender. This is because, even at the same age, the types of items that male and female students mainly purchase may be different, and the consumption level according to age may also differ according to gender. The third most influential factor in pocket money may be sibling relationships. In particular, if you have an older brother, older sister, older brother, or older sister, your consumption level may be relatively higher than if you have a younger brother. The fourth most influential factor may be school type. For example, consumption levels may vary depending on whether you attend a liberal arts high school or a vocational high school. However, in the case of school type, the influence on pocket money may be relatively low compared to age, gender, and siblings.

In step S330, the charging money support server 100 according to an embodiment may support the first account to provide the charging money of the second account. For example, the charging money support server 100 provides an amount of charging money to be provided from the first account to the second account from the first user terminal 200 and a payment method (eg, a bank account, a credit card, or a first account). When a charge money provision request including information on the charge money balance, etc. is received, the charge money of the first account corresponding to the requested amount is transferred to the second account, or the payment method of the selected first account (eg, : Payment can be made through a bank account, credit card, etc.) to provide charging money corresponding to the payment amount to the second account.

Accordingly, the charging money support server 100 can support parents to conveniently provide pocket money from their first account, which is their master account, to the second account, which is a sub-account that their children can use. While reducing the likelihood and harm, it can support parents to easily check the history of their children's pocket money.

In an embodiment, the charging money support server 100 may support the first account to repeatedly provide the charging money of the second account according to a preset cycle. For example, when the charging money support server 100 receives a monthly automatic charging request for the charging money of the second account from the first user terminal 200, the monthly first user (eg, parent) designated date ( Example: The first account repeatedly transfers the recharge money of the second account by performing an automatic payment through the payment method (eg parental credit card) of the first account specified in the amount (eg, 200,000 won) in the 1st day of each month. It can be managed to provide

Accordingly, the charging money support server 100 automatically recharges pocket money in the child's account every cycle set in the parent account so that the children are automatically paid pocket money without separately requesting pocket money from the parent, thereby improving user convenience. .

The charging money support server 100 according to an embodiment may manage to use the charging money of the second account based on setting information for the second account set by the first account. Various embodiments related thereto will be described below.

In an embodiment, the charging money support server 100 may determine an area in which charging money can be used according to a user input. For example, the charging money support server 100 may provide the first user terminal 200 with a setting menu for setting or updating an area in which the charging money of the second account can be used, and through the setting menu By receiving a parent's selection input for one or more of a plurality of regions partitioned by a preset range (eg, city, provincial, county, gu, etc.) from the first user terminal 200, the use of charging money for the second account is reduced Possible regions may be determined, and the use of charging money in the second account may be restricted so that it can be used only at affiliate stores located in the determined region during offline payment.

In an embodiment, the charging money support server 100 may differently determine a region where charging money is available for each of a plurality of groups according to a user input, and in an embodiment, each region is determined through a regional code can be managed For example, according to the selection input of the first user terminal 200, the charging money support server 100 may be used only in affiliate stores located in the first area (eg, Seoul) for the snack store group, and for the PC room group, the second The use of charging money for the second account may be restricted so that it can be used only at affiliate stores located within the 2nd region (eg, Gangnam-gu).

Accordingly, the parent can prevent abnormal payment of the child outside the set area in advance by setting a payment area through the charging money of the second account.

In an embodiment, the charging money support server 100 may determine the amount of charging money of the second account provided by the first account for a preset period based on the characteristic information of the subject. For example, the charging money support server 100 analyzes the acquired characteristic information of the child according to the above-described big data and machine learning, and the average monthly amount of charging money provided to children in a similar user group (or the child's In consideration of the characteristics, a monthly recommended amount of charging money recommended for education) can be generated as recommended amount information, and the recommended amount information is provided to the first user terminal 200, and based on parental approval for this, the first account Through the payment method set in , the first account may manage to provide the charging money of the second account corresponding to the recommended amount on a monthly basis.

In an embodiment, the charging money support server 100 determines at least one of the first to third setting elements for the use of the charging money of the second account based on the user response to the above-described guide information, and the determined The use of charging money for the second account may be restricted according to a setting factor. For example, the charging money support server 100 provides the recommended values of the first setting element and the third setting element included in the guide information to the first user terminal 200 as default values, and user approval or these It is possible to determine or update the first setting element and the third setting element for the use of the charging money of the second account according to a modification request for one or more of the second account, and limit the use of the charging money of the second account according to the determined setting elements can do.

In an embodiment, the charging money support server 100 may determine a time period during which charging money can be used according to a user input, and in an embodiment, the charging money support server 100 may determine a time period during which the charging money can be used according to a plurality of groups according to the user input. can be determined differently. For example, the charging money support server 100 provides the first user terminal 200 with a setting menu for setting or updating a time period during which the charging money of the second account can be used, and through the setting menu, the first By receiving the parent's selection input for the time zone for each group by day of the week from the user terminal 200, it is possible to determine the time period in which the charging money of the second account can be used, and it is available only when it falls within the time period determined for each group during offline payment It is possible to limit the use of the charging money of the second account.

Accordingly, parents can limit the industries that their children can pay for with the second account and can freely set the limit amount and time zone for each industry, so that their child’s pocket money is used efficiently and soundly under the budget for each industry that matches the parents’ wishes can do.

In an embodiment, the charging money support server 100 may provide guide information for at least one of a region and a time zone in which the charging money of the second account can be used, for example, parents of similar user groups It is possible to provide guide information on the regional average and the time period average that are permitted to be used by each group.

Accordingly, the charging money support server 100 provides parents with guide information on the industry, monthly allowance, region, time zone, etc. used by children with characteristics similar to those of their children on average, so that the plan for using pocket money according to the parents' wishes and children It is possible to support the matching of the pocket money usage patterns actually used by children with similar characteristics to a certain degree, thereby improving the satisfaction of both parents and children.

4 is a flowchart illustrating an example of a method for the charging money support server 100 to manage a first account and a second account according to an embodiment.

4 may be understood with reference to all embodiments in which the charging money support server 100 illustrated in FIGS. 1 to 3 supports the provision of charging money.

In step S401, the charging money support server 100 according to an embodiment may receive a request for opening a second account associated with the first account from the first user terminal 100a. For example, the charging money support server 100 creates a second account usable by the child as a sub-account of the first account from the first user terminal 100a connected through the first account of the parent who has signed up for the charging money service. request can be received.

In step S402, the charging money support server 100 according to an embodiment may provide a hyperlink for opening a second account based on user authentication. For example, the charging money support server 100 performs authentication for the parent in a preset first method (eg, legal representative authentication, family relation certificate, mobile phone identity authentication, etc.) through interworking with a certification authority, and authentication Determines the parent's first account as the master account, and includes an application download link and the right to open a second account in the child's second user terminal 100b at the request of the authenticated parent's first user terminal 100a You can send hyperlinks to

In step S403 , the charging money support server 100 according to an embodiment may receive a request for opening a second account from the second user terminal 100b through a hyperlink. For example, the second user terminal 100b installs the charging money service application through the transmitted hyperlink, and then transmits subscription information (eg, ID, password, etc.) through the installed app to provide the charging money support server 100 . You can request to open a second account.

In step S404, the charging money support server 100 according to an embodiment may create a second account based on user authentication and approval. For example, when a request for opening a second account is received from the second user terminal 100b, the charging money support server 100 uses a preset second method (eg, mobile phone identity authentication) through interworking with a certification authority. After performing authentication on the child, and creating a second account of the authenticated child as a sub-account of the first account, a message confirming whether to approve this is transmitted to the first user terminal 100a, and approval by the parent If this is confirmed, the second account can be activated.

In one embodiment, the charging money support server 100 sets the parent's first account and the application installed in the first user terminal 100a as the master account and the master app, and the child's second account and the second user terminal ( The second account may be activated by setting the application installed in 100b) as a sub account and a sub app.

In step S405, the charging money support server 100 according to an embodiment may receive input information on the characteristic information of the subject from the first user terminal 100a. For example, as the child's second account is activated, the charging money support server 100 supports the parent's setting for the charging money of the second account, the child's age, gender, and school characteristics (eg, specialization) , general), and an input form for a plurality of preset characteristics including whether or not there is a brother/sister may be transmitted to the first user terminal 200 .

In step S406, the charging money support server 100 according to an embodiment may provide guide information for setting the charging money use of the second account through machine learning based on the received characteristic information. For example, the charging money support server 100 uses big data collected from users and a pre-stored machine learning-based guide decision model, the amount of charging money mainly used in a group of children similar to the target child, and available groups , guide information including statistical analysis information on the limit amount for each group, region, time zone, etc. may be transmitted to the first user terminal 200 .

In step S407, the first user terminal 200 according to an embodiment transmits a user input for using the charging money of the second account to the charging money support server 100 based on the provided guide information, and in step S408, the charging money The support server 100 may configure the use of charging money for the second account according to the received user input. For example, the charging money support server 100 determines the guide information as a default setting value for the above-described various setting elements such as the above-described charging money amount, available groups, limit amount for each group, region, time zone, etc. It is provided to the user terminal 200, and according to a correction input of the first user terminal 200 for the provided guide information, a setting value for a setting element may be updated.

In step S409, the charging money support server 100 according to an embodiment may repeatedly provide charging money from the first account to the second account according to a set cycle. For example, the charging money support server 100 includes period information (eg, a month), amount information (eg, 200,000 won) and payment method information (eg, parent's bank account) from the first user terminal 200 . When a request for automatic charging for charging money of the second account is received, payment method verification (eg, bank account authentication and withdrawal consent confirmation) is performed in conjunction with the first user terminal 200, and through the verified payment method Charging money may be automatically charged to the second account every set period.

Accordingly, the charging money support server 100 can support the parent who is the legal representative to easily open a second account that is linked with the parent's own first account through authentication and can be used by the child, and the charging money provided as pocket money can be supported. It can support children under the age of 14 so that they can conveniently use the conventional payment service, which is difficult to use.

5 is a flowchart illustrating an example of a method in which the charging money support server 100 manages the use of charging money for a second account according to an embodiment.

5 may be understood with reference to all embodiments in which the charging money support server 100 illustrated in FIGS. 1 to 4 supports the provision of charging money.

In step S501, the charging money support server 100 according to an embodiment provides setting information for the charging money use of the second account set by the first account to the second user terminal 300, and the second user terminal ( 300) may support to use the charging money of the second account according to the setting information. For example, the charging money support server 100 may charge money to the child's second account through the payment method set in the parent's first account. When is provided, the balance of the charging money in the child's second user terminal 300, the group in which the charging money can be used, the region, the limit amount for each group, the time zone for each group, etc. for various setting elements set in the first account You can provide configuration information.

Accordingly, the second user terminal 300 displays the provided setting information so that the child's pocket money amount (eg, 200,000 won), the pocket money cycle (eg, one month), the type of business that the parent is permitted to use, and how much by each business type You can easily check at any time information on whether you have enough budget and at what time of day for each type of business, so that you can use it as a reference when using pocket money.

In step S502, the second user terminal 300 according to an embodiment may request the charging money support server 100 for information on a location of an affiliated store where charging money is available, and in step S503, the charging money support server 100 is Based on the location information of the second user terminal 300, the pre-stored map information, and the above-described setting information, it is possible to visually provide the available affiliate store information in conjunction with the map.

For example, the charging money support server 100 collects real-time location information from the second user terminal 300, and stores the locations of one or more affiliated stores within a preset distance based on the current location of the terminal to the pre-stored map information. The map of the affiliated stores displayed by mapping can be visualized on the second user terminal 300 through the application, and the affiliated store list arranged in the order of proximity to the current location of the terminal (eg, business name, industry type, address, etc.) It can be provided, and information such as the limit amount and the remaining amount for each group can be provided together for each affiliated store. Accordingly, the child can intuitively check his/her location on the map, available affiliated stores, and available amount for each affiliated store through the application.

In one embodiment, the charging money support server 100 may use the charging money set in the second account based on the current time based on various setting factors such as groups, regions, limit amounts for each group, and time zones for each group. Only the affiliated store locations may be selectively displayed on the affiliated store map, and in another embodiment, the available affiliated store locations based on the current time may be visually distinguished (eg, in different colors) from the unavailable affiliated store locations and displayed. Also, in another embodiment, an icon corresponding to a reason (eg, industry, time zone, region, etc.) that is unavailable for an affiliated store that is unavailable based on the current time may be overlaid together on the location of the affiliated store.

In step S504, the second user terminal 300 according to an embodiment may request payment using the second charging money in conjunction with the affiliated store terminal, and in step S505, the charging money support server 100 sets the settings set in the second account. Whether to approve payment may be determined based on factors.

For example, the charging money support server 100 may store, update and manage an image (eg, barcode, QR code, etc.) corresponding to the charging money of the second account so that it can be used as a payment method during offline payment, The second user terminal 300 may display an image (eg, barcode, QR code, etc.) received from the charging money support server 100 in the process of purchasing a specific product or service (eg, restaurant, etc.) provided by the affiliated store. In addition, the affiliated store terminal (not shown) obtains payment method information for charging money of the second account by scanning the image, and then communicates with the charging money support server 100 to include payment amount, affiliated store information, and payment method information. can transmit a payment request, and the charging money support server 100 sets the contents of the payment request to the second account (eg, the balance of the charging money, available groups, time zone, limit amount for each group, etc.) Payment can be approved only when the conditions of This payment process is one embodiment, and it goes without saying that online or offline payment may be made in various forms and in various ways.

In step S506, the charging money support server 100 according to an embodiment transmits a notification message including payment details to the first user terminal 200 and the second user terminal 300, respectively, when the payment is approved, and the second You can update the balance of the charge money in the account.

In an embodiment, the charging money support server 100 provides a first notification message and a second notification message including different payment details to the first user terminal 200 and the second user terminal 300, respectively. and payment details included in the first notification message and the second notification message, respectively, may be set and updated by the first account and the second account, respectively. For example, the parent's first user terminal 200 transmits a first notification message including the merchant's business type, business name, location, payment amount and charge money balance, and the child's second user terminal 200a is charged A second notification message including the money balance, the group name of the affiliated store, the limit amount granted to the group, and the remaining amount obtained by subtracting the accumulated amount of use from the limit amount granted to the group may be transmitted.

In step S507, the charging money support server 100 according to an embodiment may transmit a notification message including a reason for rejection to the first user terminal 200 and the second user terminal 300, respectively, when the payment approval is rejected. For example, the charging money support server 100 may provide a notification message including the group and location of the affiliated store to the parent when the child tries to make a payment in an industry or region that is not permitted to the child.

In an embodiment, the charging money support server 100 determines that the approval of the first account for the corresponding payment request is confirmed within a preset time, even if the payment approval rejection is determined according to the payment request of a condition not granted to the second account. In this case, payment approval may be determined based on this. For example, the charging money support server 100 transmits a notification message regarding the payment approval rejection decision to the first account, and when the parental payment approval for the notification message is received within a preset time (eg, 3 minutes), In exceptional cases, the payment may be approved and the payment may proceed.

In an embodiment, the charging money support server 100 is temporarily allowed charging for at least one of a group, a limit amount, a time zone, and a region that is not granted by the first account according to the request of the second user terminal 300 . The money use request may be received, and the use of the charging money may be managed based on the approval of the first user terminal 200 for the request. For example, when the charging money support server 100 receives a one-time charging money use request that can be paid with charging money even at a merchant in a region where the parent's first account is not allowed from the child's second user terminal 300 , can be used for charging money payment regardless of region within an amount (eg 30,000 won), deadline (eg 1 day), or number (eg 1 time) set by the parent based on parental approval for this The use of charging money can be managed by providing a single-shot image (eg, barcode, QR code) that can be used.

Accordingly, the charging money support server 100 provides the location of the affiliated store that the child can use in conjunction with the map based on the location, thereby supporting the children to intuitively check the available affiliated stores based on the amount available for each group and the current location. can

6 is a flowchart for explaining an example of a method in which the charging money support server 100 provides the charging money usage details of the second account to the first account according to an embodiment.

6 may be understood with reference to all embodiments in which the charging money support server 100 illustrated in FIGS. 1 to 5 supports the provision of charging money.

In step S601 , the charging money support server 100 according to an embodiment transmits the charging money usage details of the second account to the first user terminal 200 according to a preset period or at the request of the first user terminal 200 . can provide For example, when the charging money support server 100 is set to automatically recharge the charging money corresponding to 200,000 won in the child's second account on the first day of every month from the parent's first account, the second account for a month on the day before the automatic charging date By providing a pop-up message that allows access to the charging money usage history, including details such as the total amount of charging money used in the account, and the amount used by region for each time period by group, pocket money from the previous month before parents give allowance for a new month You can support to review the usage history in detail.

In an embodiment, the charge money usage history of the second account may include an analysis result of the charge money use of the second account performed in comparison with a similar child group based on machine learning, for example, The results of analysis of the difference in the amount of money used by each group compared to other children, the difference in frequency of use, the group mainly used, etc. may be included. The results of this analysis can help parents better understand the characteristics of their children according to their pocket money usage patterns, rather than just giving them pocket money.

In step S602, the first user terminal 200 can check the details of each payment through the charge money usage history of the second account provided, and check the child's pocket money usage pattern through detailed details such as the amount used by region for each group and time zone. can be checked easily.

In step S603, the charging money support server 100 according to an embodiment analyzes the charging money usage pattern for a preset period (eg, one month) used in the second account to determine the amount and usage of the charging money to be provided in the next month. It is possible to provide recommendations on possible groups and limit amounts for each group. For example, the charging money support server 100 is the parent's first including the analysis result of the child's charging money use pattern, the charging money use pattern of the similar children group, and the age/situational customized consumption pattern performed based on them. It can be recommended to the parent's first account to adjust the settings to the recommended value of the amount of charge money determined according to the analysis result by providing it to the account, available groups, and the limit amount for each group By providing the charging money usage pattern of a similar group of children to the child's second account, it is possible to support the child to refer to the use of pocket money.

When receiving from the first user terminal 200 to change the charging money use setting of the second account according to the recommendation information from the first user terminal 200 in step S604, the charging money support server 100 changes the setting according to the recommended value Accordingly, it is possible to manage the use of the charging money of the second account. In other words, children can also request for pocket money renewal, and by supporting the presentation of pocket money statistical information for similar children together, it is possible to support effective pocket money negotiations.

Accordingly, the charging money support server 100 supports a parent to set an environment for using pocket money optimized for their child, thereby creating a user-customized consumption pattern.

In step S605 , the charging money support server 100 according to an embodiment receives a charging money setting change request based on the charging money usage pattern of the similar child group from the second user terminal 300 , the charging money of the similar child group Transmitting a request for changing the charging money setting including the usage pattern, the requested amount of charging money, the group for which use permission is requested, the limit amount for each requested group, etc. to the first user terminal 200, and the first user terminal for this Based on the response of ( 200 ), at least one of the settings for the charge money use of the second account may be updated.

Accordingly, when a child wants to change the amount of pocket money, the limit amount by industry, etc., the charging money support server 100 can support the parents to request an increase in pocket money more rationally by using statistics of users in a similar group group.

In an embodiment, the charging money support server 100 may determine different settings for charging money provided whenever charging money is provided from the first account to the second account. For example, if the charging money support server 100 is not automatic charging, each time the charging money is charged to the second account in the same or different amount according to the request of the first account, the group using each charging money The setting may be determined to be the same or different according to a user input. Accordingly, in the case of monthly automatic recharging, parents make sure that the basic pocket money usage rules determined by the parents are applied, and in exceptional circumstances, additionally pay the charging money when necessary to set different settings, so even the same pocket money can be used flexibly according to the situation can make it happen

In an embodiment, the charging money support server 100 may analyze the usage status of pocket money based on the charging money usage history of the second account, and may provide the analysis result to one or more of the first account and the second account. For example, the charging money support server 100, when the charging money provided as allowance for a month is being used up too quickly by more than a preset rate, analyzes the result of the analysis including a warning message for this to the child's second user terminal 300 An analysis including a praise message for this can be recommended to reduce the speed of using pocket money by sending it to The result may be transmitted to both the parent's first user terminal 200 and the child's second user terminal 300 to inform that pocket money is being used well.

In addition to the information described above, a step of transmitting and receiving various information such as basic or additional user information, user approval for information provision, and user authentication that may be required for account opening and payment, etc. may be additionally performed. and a description of these additional steps will be omitted.

In addition, the order and combination of the steps shown above is an embodiment, and the order, combination, branch, function and the performing subject are added, omitted or modified within a range that does not depart from the essential characteristics of each component described in the specification. It can be seen that it can be implemented in various ways.

Meanwhile, the above-described method can be written as a program that can be executed on a computer, and can be implemented in a general-purpose digital computer that operates the program using a computer-readable recording medium. In addition, the structure of the data used in the above-described method may be recorded in a computer-readable recording medium through various means. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (eg, ROM, RAM, USB, floppy disk, hard disk, etc.) and an optically readable medium (eg, CD-ROM, DVD, etc.) do.

The description of the present invention described above is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the following claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention.

100: charging money support server
110: receiver
120: processor
200: first user terminal
300: second user terminal

Claims (18)

A method for a server to support provision of charging money, the method comprising:
determining a plurality of groups by grouping a plurality of affiliated stores that can use the charging money according to the industry;
determining, according to a user input, a group in which the charging money of the second account can be used among the plurality of groups; and
Supporting the first account to provide replenishment money of the second account; the method comprising a.
The method of claim 1,
Determining an area in which the charging money can be used according to the user input; further comprising, the method.
The method of claim 1,
The supporting steps are
The method, wherein the first account repeatedly provides the charging money of the second account according to a preset period.
The method of claim 1,
Receiving the characteristic information of the subject; further comprising,
The step of determining, according to a user input, a group that can use the charging money of the second account from among the plurality of groups
A method of determining, from among the plurality of groups, a group that can use the recharge money of the second account based on the characteristic information.
5. The method of claim 4,
The step of supporting the first account to provide the charging money of the second account comprises:
The method of determining, based on the characteristic information, the amount of charge money of the second account provided by the first account during a preset period.
The method of claim 1,
receiving characteristic information of the subject; and
Based on the characteristic information, a group in which the charging money of the second account can be used among the plurality of groups, the amount of the charging money of the second account provided by the first account during a preset period, and the value of the second account The method further comprising; providing guide information on at least one of the limit amount allowed in each group that can use the charging money.
7. The method according to claim 4 to 6,
The characteristic information is
A method comprising at least one of the subject's age, gender, school attended, family relationships, residential area, and fields of interest.
The method of claim 1,
The method further comprising; determining a time period during which the charging money can be used differently for each of the plurality of groups according to the user input.
The method of claim 1,
The method further comprising the step of providing, based on preset map information, location information for a plurality of affiliated stores that can use the charging money in response to the first account providing the charging money of the second account.
The method of claim 1,
receiving a request to change the amount of charging money of the second account provided by the first account; and
Providing recommendation information on the amount of charging money in the second account based on the charging money spending amount used in the second account for a preset period and the average charging money spending average amount used by users of the same age group as the subject A method further comprising a step.
In the server supporting the provision of charging money,
a receiving unit for receiving a user input;
Determine a plurality of groups by grouping a plurality of affiliated stores that can use the charging money according to the industry,
determining, according to the user input, a group that can use the charging money of the second account among the plurality of groups;
A processor supporting the first account to provide the charging money of the second account; including, a charging money support server.
12. The method of claim 11,
the processor is
A charging money support server that determines an area in which the charging money can be used according to the user input.
12. The method of claim 11,
the processor is
A charging money support server that supports the first account to repeatedly provide the charging money of the second account according to a preset period.
12. The method of claim 11,
The receiving unit receives the characteristic information of the subject,
the processor is
determining, according to a user input, a group in which the charging money of the second account can be used among the plurality of groups;
A charging money support server that determines, from among the plurality of groups, a group that can use the charging money of the second account based on the characteristic information.
15. The method of claim 14,
the processor is
The charging money support server which determines the amount of the charging money of the second account provided by the first account for a preset period based on the characteristic information.
12. The method of claim 11,
The receiving unit receives the characteristic information of the subject,
the processor is
Based on the characteristic information, a group in which the charging money of the second account can be used among the plurality of groups, the amount of the charging money of the second account provided by the first account during a preset period, and the value of the second account A charging money support server that provides guide information on at least one of the limit amounts allowed in each group that can use the charging money.
17. The method according to claim 14 to 16,
The characteristic information is
Rechargeable money support server, including at least one of the subject's age, gender, school attended, family relationships, residential area, and fields of interest.
A computer program stored in a recording medium to implement the method of any one of claims 1 to 10.

Images