KR20230045462A - Method and apparatus for providing financial transactions based on multimedia contents - Google Patents

Abstract

Embodiments of the present invention relate to a financial transaction method and device based on a multimedia content. According to one embodiment of the present invention, a financial transaction method based on a multimedia content includes the steps of: creating a management folder based on text entered with a hashtag in a financial application of a sending terminal; selecting the multimedia content stored in the management folder along with the financial transaction in a financial application of a sending terminal; and transmitting selected multimedia content to a receiving terminal along with a financial transaction from a financial application of a sending terminal to the receiving terminal.

Description

Method and apparatus for providing financial transactions based on multimedia contents}

Embodiments relate to a financial transaction method and apparatus based on multimedia content.

As multi-functional intelligent complex terminals such as smart phones become widely available, users using the multi-functional intelligent complex terminals can transmit and receive various messages through the multi-functional intelligent complex terminals.

Recently, most financial companies provide financial applications for mobile transactions including smart phones. Accordingly, a user installs a financial application on a smartphone and is provided with various mobile services including financial transactions conveniently.

However, in the case of financial transactions through the financial application, for example, transfer, inquiry, etc., only a 7-character transaction memo is provided, but meaningful content is not provided to users or counterparties using the financial application.

Patent Document 1: Korean Patent Registration No. 10-1194369 Patent Document 2: Korean Patent Registration No. 10-2195248 Patent Document 3: Korean Patent Publication No. 10-2014-0110801

The technical problem to be solved by the present invention is to provide a financial transaction method and system based on multimedia contents that can store, transmit, and share multimedia contents related to financial transactions in the counterparty terminal together with or after financial transactions. is in

A financial transaction method based on multimedia contents according to an embodiment of the present invention for solving the above technical problem includes creating a management folder based on text input with a hash tag in a financial application of a sending terminal; selecting multimedia contents stored in the management folder along with financial transactions in a financial application of the transmitting terminal; and transmitting the selected multimedia contents to the receiving terminal along with a financial transaction from the financial application of the transmitting terminal to the receiving terminal.

In order to solve the other technical problem, a financial transaction method based on multimedia contents according to another embodiment of the present invention includes the steps of inputting information for financial transaction in a financial application in a transmitting terminal; generating a management folder on the basis of the text entered together with the hash tag in the sending terminal; inputting multimedia content to be transmitted from the transmitting terminal to the receiving terminal of the other party of the financial transaction; and transmitting the input multimedia contents to the other party's receiving terminal.

In order to solve the another technical problem, a financial transaction method based on multimedia contents according to another embodiment of the present invention includes generating a shared folder based on text input with a hash tag in a sending terminal; installing a financial application and transmitting explanatory text related to the shared folder to a plurality of receiving terminals that will share the shared folder based on the phone numbers of the plurality of receiving terminals stored in the transmitting terminal; In the transmitting terminal, when multimedia contents are stored in the shared folder, transmitting an alarm message to the plurality of receiving terminals.

In order to solve the another technical problem, a financial transaction device based on multimedia content according to another embodiment generates a management folder based on text input with a hashtag in a financial application in a processor of a transmitting terminal, The financial application selects multimedia content stored in the management folder along with a financial transaction, and transmits the selected multimedia content to the receiving terminal together with the financial transaction from the financial application to the receiving terminal.

Provided is a computer readable recording medium storing a program for executing a method for solving another technical problem.

The multimedia content-based financial transaction method and apparatus according to the embodiment may give a user using a financial application or a transaction counterpart a story containing memories in daily financial transactions.

In addition, a management folder is created with hashtags (#) as keywords, and financial transaction and story information, such as images, videos, voices, and texts are stored together, and the saved stories can be sent and shared to the other party to the transaction. By sending it to, it is possible to improve the convenience of managing transaction records and related information.

In addition, transaction details are automatically created as folders through tags, access rights to designated folders are granted through invitations, and recipients who have received access rights to the folders can manage the folders (upload and delete information in the transaction history, etc.), By inducing subscription to financial application services based on send and share functions, it can help increase the time spent in the app and base customers.

In addition, it can be used for in-depth customer analysis and product and service development by securing customer financial transaction purpose and customer behavior data.

1 is a schematic diagram of an entire system for financial transactions based on multimedia content according to an embodiment.
2 is an exemplary diagram of a financial transaction based on multimedia content according to an embodiment.
3A and 3B are exemplary diagrams for explaining a “subscription” function of a financial transaction based on multimedia content.
4a to 4e are exemplary diagrams for explaining a “storage” function of a financial transaction based on multimedia content.
5a to 5f are exemplary diagrams for explaining a “send” function of a financial transaction based on multimedia content.
6a to 6e are other exemplary diagrams for explaining a “sending” function of a financial transaction based on multimedia content.
7a to 7f are exemplary diagrams for explaining a “sharing” function of a financial transaction based on multimedia content.
8A to 8D are other exemplary diagrams for explaining a “sharing” function of a financial transaction based on multimedia content.
9 is a schematic diagram of a user terminal for financial transaction based on multimedia content according to an embodiment.

Since the present invention can apply various transformations and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. Effects and features of the present invention, and a method of achieving them will become clear with reference to the embodiments described later in detail together with the drawings. However, the present invention is not limited to the embodiments disclosed below and may be implemented in various forms.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, and when describing with reference to the drawings, the same or corresponding components are given the same reference numerals, and overlapping descriptions thereof will be omitted. .

In the following embodiments, terms such as first and second are used for the purpose of distinguishing one component from another component without limiting meaning.

In the following embodiments, singular expressions include plural expressions unless the context clearly indicates otherwise.

In the following embodiments, terms such as include or have mean that features or elements described in the specification exist, and do not preclude the possibility that one or more other features or elements may be added.

When an embodiment is otherwise embodied, a specific process sequence may be performed differently from the described sequence. For example, two processes described in succession may be performed substantially simultaneously, or may be performed in an order reverse to the order described.

1 is a schematic diagram of an entire system for financial transactions based on multimedia content according to an embodiment.

Referring to FIG. 1 , the entire system includes a plurality of user terminals 110 and 120 and a financial server 100 . The user terminals 110 and 120 may be transmitting or receiving terminals for financial transactions. The financial server 100 may be a server that supports financial transactions based on multimedia content. In addition, the financial server 100 may include functions of a financial server for general financial servers.

The financial server 100 according to the embodiment tags the user's deposit and withdrawal transaction record with #hashtag and creates a management folder. In addition, the financial server 100 stores the user's financial transactions and multimedia contents, such as images, videos, voices, and texts. In addition, the stored story is transmitted to the counterparty through sending and sharing.

Through “save”, the user selects, for example, deposit and withdrawal related to real estate transactions, and creates a management folder by tagging “# my first home in my life”. In addition, it can be stored in the management folder along with related information such as transaction information, sales contracts, and certified copies of registers. Through this, the convenience of managing transaction records and related information can be improved.

In addition, when a user sends money to his mother through "send", for example, he can send a related picture along with it, adding emotion to a simple financial transaction called transfer, and showing the other party a clear meaning of the purpose of the transaction. .

In addition, users can transparently manage various meeting membership fees through "Share", and participants in shared folders can enhance customer value by participating in creating stories related to meeting-related transaction details.

2 is an exemplary diagram of a financial transaction based on multimedia content according to an embodiment.

Referring to FIG. 2, basic terms according to an embodiment are defined. The screen shown in FIG. 2 may be a screen of a financial application of a user terminal or a financial transaction service application based on multimedia content linked with the financial application.

The story bank 201 may be a top-level storage unit for storing various #folders related to financial transaction services based on multimedia contents. Throughout the specification, story banks or multimedia content-based financial transaction services are used with the same meaning.

#I love you mom (202), #monthly rent, and #hobbies are user-created management folders. A #folder is a record storage box that stores multiple records. When a user writes a #tagging phrase in a transaction history, the phrase becomes a #folder name and records can be saved.

The record 203 is a basic file storage unit of a multimedia content-based financial transaction service that simultaneously stores financial transaction details and contents.

The content 204 includes unstructured data such as photos, texts, images, and sounds stored together with financial transaction details.

It should be understood that the terms defined with reference to FIG. 2 or the screen layout are exemplary, and various terms or screen layouts may be used.

3A and 3B are exemplary diagrams for explaining a “subscription” function of a financial transaction based on multimedia content.

Referring to FIGS. 3A and 3B , the most basic screen structure of subscribing is shown. You can sign up by clicking the Join Story Bank button on the main screen of the financial application. If you click the sign up button, you can select an account to set up as a Story Bank account and receive consent to the terms of service from the user.

Although FIG. 3A shows that "Join Story Bank" is displayed on the transaction screen and My Account screen of the financial application, it is not limited to this, and it is possible to sign up after the transfer is completed or through other routes, of course. .

4a to 4e are exemplary diagrams for explaining a “storage” function of a financial transaction based on multimedia content.

The screen for checking deposit and withdrawal transaction details after sign-up shown in FIG. 4A is as shown in FIG. 4B. As shown in reference numeral 401 of FIG. 4B, after inquiry, the transaction details that you want to selectively store in the story bank can be selected and tagged with #, for example, up to 3 # tags can be input. Here, drawing number 401 is # content to be stored, and may be an icon for checking deposit and withdrawal transaction details and #inputting information.

And a folder with the same name as the #tagging phrase is created, and records (financial transaction details and contents) that the user wants to save are stored in the folder. As shown in FIG. 4c, an image to be stored in the management folder created in FIG. 4b can be imported from a photo album or gallery stored in the user terminal. As shown in Fig. 4d, it is saved in the automatically created folder in the View file format. # Save text, images, etc. related to the contents. At this time, the record file is saved in a View file format to increase storage efficiency (smaller storage capacity than existing files).

As shown in FIG. 4E, in Storybank folder management, a customer can check records given to, received from, or shared with the other party in chronological order in the form of a timeline at once. Storybank folder management can be implemented with three menus. Story Bank is a menu that integrates and manages all Story Bank records saved by the user, Shared Story Bank is a menu that manages Story Bank folders shared or received by the other party, and Temporary Story Bank is a menu that manages Story Bank files received/sent from the other party. This is a menu to save temporary records that have not been saved in the story bank file. For example, the multimedia contents stored in the temporary story bank folder may automatically delete the corresponding record stored in the temporary story bank folder after a certain period of time, for example, 3 days or more.

5a to 5f are exemplary diagrams for explaining a “send” function of a financial transaction based on multimedia content. 5A to 5C are screens of a transmitting terminal performing a sending function, and FIGS. 5D and 5E are screens of a receiving terminal.

Embodiments described with reference to FIG. 5 transmit multimedia contents in folder management of a user terminal. That is, after selecting a stored record or a folder in which several records are stored to be sent to the other party in Storybank folder management, the recipient can be designated from the contact information or recent account transfer history, and then the related record or folder can be sent.

As shown in FIG. 5A, when the story bank menu is selected, a plurality of #management folders are displayed. As shown in FIG. 5B, when the user selects the #memory management folder, a recipient can be selected as shown in FIG. 5C. Here, contacts stored in the user terminal or contacts of counterparties transacted through a financial application may be displayed. As shown in FIG. 5c, when a specific contact is selected, as shown in FIG. 5d, multimedia contents stored in the #memory management folder are transmitted.

As shown in FIG. 5D, the transmitted #Memories folder is displayed in the receiving terminal, and multimedia contents stored in the #Memories folder may be displayed according to the user's storage selection 501, as shown in FIG. 5E.

In an embodiment, a receiver or a receiver terminal may not subscribe to a financial transaction service based on a financial application or multimedia content. The process described with reference to FIGS. 5D and 5E is a process when a receiver subscribes to a financial application or a financial transaction service based on multimedia content.

In another embodiment, when the receiver or the receiving terminal has not subscribed to the financial transaction service based on the financial application or multimedia content, the financial transaction service installation URL and record description text based on the financial application or multimedia content may be transmitted as an alarm or text message. there is. For example, if a financial application is installed but a financial transaction service based on multimedia content is not subscribed, a notification message may be received in the financial application, and a text message may be received if the financial application is not installed.

6a to 6e are other exemplary diagrams for explaining a “sending” function of a financial transaction based on multimedia content. 6A to 6C are screens of a transmitting terminal performing a sending function, and FIGS. 6D and 6E are screens of a receiving terminal.

Embodiments described with reference to FIG. 6 are to transmit multimedia content after a financial transaction, for example, a transfer, is completed in a user terminal. That is, by clicking on the content attachment menu on the transfer screen, the content is sent to the counterparty to whom funds have just been transferred. Content stored in the existing user terminal, or by using a recorder, camera, etc., can be immediately generated and lively content can be sent to the other party.

As shown in FIG. 6A , after the user terminal completes the transfer of funds to the counterparty through the financial transaction function of the financial application, a content attachment 601 menu is displayed as a multimedia content-based financial transaction service. When content attachment is selected in the user terminal, a screen for selecting content stored in the management folder or content stored in the user terminal may be displayed. In FIG. 6B, recording is selected in the user terminal, and an interface for recording is displayed. As shown, the user selects # tagging to send the recording after completing the recording. In FIG. 6C, the voice file recorded by the user is transmitted to the counterparty as a #memory management folder.

As shown in FIG. 6D, the receiver terminal displays the multimedia content management folder # to receive memories along with the financial transaction details transmitted from the sending terminal, and if the user selects it, as shown in FIG. 6E, the attached voice file is played

As described with reference to FIG. 5 , when the receiver terminal is not subscribed to a financial application or a financial transaction service based on multimedia contents, an installation URL and record description text may be transmitted as a message.

7a to 7f are exemplary diagrams for explaining a “sharing” function of a financial transaction based on multimedia content. The sharing process will be described with reference to FIG. 7 . On the folder management screen, convert the existing saved Story Bank folder into a shared #folder, or select deposit/withdrawal transaction details to create a shared #folder right away to create a shared #folder to share with multiple people. Then, you can select a person to invite as a mobile phone contact and send a request to join the shared #folder or a request to access the shared folder to the other party through text message. If the receiver who received the subscription request message was using Storybank, he or she can join the shared #folder right away.

7A to 7C are example screens of a transmitting terminal, and FIGS. 7D to 7F are example screens of a receiving terminal that has received a sharing request.

Referring to FIG. 7A , a # folder to be shared with friends is selected in the Story Bank folder management menu. Through the shared #folder invitation, if the other party accepts the invitation request, you can check the financial transaction history, account deposit and withdrawal transaction history, contents, photos, text, etc. in the shared #folder.

Referring to FIG. 7B , a list of friends to be invited is displayed through an address book or contacts stored in the user terminal. Alternatively, a list of friends to be invited may be displayed through information on counterparties of the financial application. As shown in FIG. 7C , when the friend invitation is completed, a completion message is output.

Referring to FIG. 7D, when the invited friend has not subscribed to the multimedia content-based financial transaction service, an invitation message (installation URL information, shared folder, and subscription message) is received in the message box of the receiving terminal.

As shown in FIG. 7E, if subscription is selected in the receiver's terminal, after going through the subscription procedure, as shown in FIG. 7F, multimedia contents stored in the #shared folder and transaction history in the corresponding account can be checked.

8A to 8D are other exemplary diagrams for explaining a “sharing” function of a financial transaction based on multimedia content. If the shared user has completed subscription to the shared #folder, the shared #folder participants can access the records or folders stored in their storybank. Alternatively, content stored in the shared user's terminal or content created in real time can be shared in the shared # folder. However, the right to delete can initially be limited to only the creator of the shared folder.

In addition, notifications are sent to all shared #folder participants, and participants can text content, financial transaction history, and #tagging. You can receive the contents and check the related contents on the deposit and withdrawal transaction details screen.

As shown in FIG. 8A , when the shared user selects share 801 , as shown in FIGS. 8B and 8C , the content stored in the user's management folder can be uploaded to the shared folder. Alternatively, content stored in the user terminal or created content may be shared in a shared folder.

As shown in FIG. 8D , in the content shared by the shared user, other sharing users can check the multimedia content shared by the user.

9 is a schematic diagram of a user terminal for financial transaction based on multimedia content according to an embodiment.

Referring to FIG. 9 , the user terminal 1000 may include a user input unit 1100 , a memory 1300 and a processor 1300 . In addition, the device 1000 according to some embodiments includes an output unit 1200, a sensing unit 1400, an A/V input unit 1600, and a communication unit in addition to the user input unit 1100, the memory 1300, and the processor 1300. (1500) may be further included.

The user input unit 1100 means a means through which a user inputs data for controlling the device 1000 . For example, the user input unit 1100 includes a key pad, a dome switch, a touch pad (contact capacitance method, pressure resistive film method, infrared sensing method, surface ultrasonic conduction method, integral type tension measuring method, piezo effect method, etc.), a jog wheel, a jog switch, and the like, but are not limited thereto.

The output unit 1200 may output an audio signal, a video signal, or a vibration signal, and the output unit 1200 may include a display unit 1210, a sound output unit 1220, and a vibration motor 1230. there is.

The display unit 1210 displays and outputs information processed by the device 1000 .

Meanwhile, when the display unit 1210 and the touch pad form a layer structure to form a touch screen, the display unit 1210 may be used as an input device as well as an output device. The display unit 1210 includes a liquid crystal display, a thin film transistor-liquid crystal display, an organic light-emitting diode, a flexible display, a 3D display ( 3D display) and at least one of electrophoretic display.

The audio output unit 1220 outputs audio data received from the communication unit 1500 or stored in the memory 1700 .

The vibration motor 1230 may output a vibration signal. For example, the vibration motor 1230 may output a vibration signal corresponding to an output of audio data or video data (eg, call signal reception sound, message reception sound, etc.).

The processor 1300 typically controls the overall operation of the device 1000. For example, the processor 1300 executes programs stored in the memory 1700, thereby enabling the user input unit 1100, the output unit 1200, the sensing unit 1400, the communication unit 1500, and the A/V input unit 1600. ) can be controlled overall.

The processor 1300 has programs installed for financial transaction services based on financial applications and multimedia contents. In addition, the above programs may be installed according to an installation URL received from an external server (financial server shown in FIG. 1).

The processor 1300 creates a management folder based on the text entered together with the hash tag in the financial application. The processor 1300 selects multimedia content stored in the management folder along with a financial transaction in the financial application, and transmits the selected multimedia content to the receiving terminal together with the financial transaction to the receiving terminal.

Also, the processor 1300 may receive information for a financial transaction from the financial application and create a management folder based on the input text along with the hashtag. The processor 1300 receives input of multimedia contents to be transmitted to the counterpart receiver terminal of a financial transaction, and transmits the input multimedia contents to the counterpart receiver terminal.

In addition, the processor 1300 creates a shared folder based on the text input together with the hash tag, and provides financial support to a plurality of receiving terminals that will share the shared folder based on the phone numbers of the plurality of receiving terminals stored in the memory 1700. An explanation text related to application installation and the shared folder may be transmitted. When multimedia content is stored in a shared folder, the processor 1300 may transmit an alarm message to a plurality of receiving terminals.

The sensing unit 1400 may sense a state of the device 1000 or a state around the device 1000 and transmit the sensed information to the processor 1300 .

The sensing unit 1400 includes a magnetic sensor 1410, an acceleration sensor 1420, a temperature/humidity sensor 1430, an infrared sensor 1440, a gyroscope sensor 1450, and a position sensor. (eg, GPS) 1460, an air pressure sensor 1470, a proximity sensor 1480, and an RGB sensor (illuminance sensor) 1490, but may include at least one, but is not limited thereto.

The communication unit 1500 may include one or more components for communication with an external device (not shown) and an external server (not shown). For example, the communication unit 1500 may include a short range communication unit 1510, a mobile communication unit 1520, and a broadcast reception unit 1530.

The short-range wireless communication unit 151 includes a Bluetooth communication unit, a Bluetooth Low Energy (BLE) communication unit, a Near Field Communication unit, a WLAN (Wi-Fi) communication unit, a Zigbee communication unit, and an infrared ( It may include an infrared data association (IrDA) communication unit, a Wi-Fi Direct (WFD) communication unit, an ultra wideband (UWB) communication unit, an Ant+ communication unit, etc., but is not limited thereto.

The mobile communication unit 1520 transmits and receives a radio signal with at least one of a base station, an external terminal, and a server on a mobile communication network. Here, the radio signal may include a voice call signal, a video call signal, or various types of data according to text/multimedia message transmission/reception.

The broadcast receiver 1530 receives a broadcast signal and/or broadcast-related information from the outside through a broadcast channel. Broadcast channels may include satellite channels and terrestrial channels. According to an implementation example, the device 1000 may not include the broadcast receiver 1530.

An audio/video (A/V) input unit 1600 is for inputting an audio signal or a video signal, and may include a camera 1610 and a microphone 1620.

The memory 1700 may store programs for processing and control of the processor 1300 and may store data input to or output from the device 1000 .

The memory 1700 may include a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (eg SD or XD memory, etc.), RAM (RAM, Random Access Memory) SRAM (Static Random Access Memory), ROM (Read-Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory), magnetic memory, magnetic disk , an optical disk, and at least one type of storage medium.

Programs stored in the memory 1700 may be classified into a plurality of modules according to their functions, such as a UI module 1710, a touch screen module 1720, and a notification module 1730. .

An embodiment of the present disclosure may be implemented in the form of a recording medium including instructions executable by a computer, such as program modules executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. Also, computer readable media may include computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media may typically include computer readable instructions, data structures, or other data in a modulated data signal such as program modules.

Also, in the present disclosure, terms such as “unit” and “module” may refer to a hardware component such as a processor or a circuit, and/or a software component executed by a hardware component such as a processor. .

"Unit" and "module" may be implemented by a program stored in an addressable storage medium and executed by a processor. For example, "part" and "module" refer to components such as software components, object-oriented software components, class components, and task components, processes, functions, properties, and programs. It can be implemented by procedures, subroutines, segments of program code, drivers, firmware, microcode, circuitry, data, databases, data structures, tables, arrays and variables.

The specific implementations described in this disclosure are only one example and do not limit the scope of the disclosure in any way. For brevity of the specification, a description of conventional electronic components, control systems, software, and other functional aspects of the systems may be omitted.

In addition, in the present disclosure, “including at least one of a, b, or c” means “including only a, only b, only c, including a and b, including b and c, It may mean including a and c, or including all of a, b, and c.

The description of the present disclosure described above is for illustrative purposes, and those skilled in the art can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present disclosure. will be. Therefore, the embodiments described above should be understood as illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present disclosure is indicated by the following claims rather than the detailed description above, and all changes or modifications derived from the meaning and scope of the claims and equivalent concepts should be interpreted as being included in the scope of the present disclosure. do.

Claims (14)

In the financial transaction method based on multimedia contents,
generating a management folder based on the text entered together with the hash tag in the financial application of the sending terminal;
selecting multimedia contents stored in the management folder along with financial transactions in a financial application of the transmitting terminal; and
and transmitting the selected multimedia content to the receiving terminal along with a financial transaction from a financial application of the transmitting terminal to the receiving terminal. According to claim 1,
The multimedia content,
A financial transaction method based on multimedia content, characterized in that it includes at least one of text, image, video, audio and file attachments generated in relation to the financial transaction. According to claim 1,
A financial transaction method based on multimedia content, characterized in that, after inputting transaction information for a financial transaction to the receiving terminal, multimedia content to be transmitted together with the receiving terminal is generated. According to claim 1,
When the financial application is not installed in the receiving terminal, installation information of the financial application and explanatory text related to the management folder are transmitted together. According to claim 1,
In the financial application of the receiving terminal, the transmitted multimedia contents of the transmitting terminal are displayed on a screen displaying financial transaction details. In the financial transaction method based on multimedia contents,
inputting information for a financial transaction in a financial application in a transmitting terminal;
generating a management folder on the basis of the text entered together with the hash tag in the sending terminal;
inputting multimedia content to be transmitted from the transmitting terminal to the receiving terminal of the other party of the financial transaction; and
A financial transaction method based on multimedia contents comprising the step of transmitting the input multimedia contents to the receiving terminal of the other party. According to claim 6,
The multimedia content-based financial transaction method further comprising the step of storing the transmitted multimedia content in the management folder. According to claim 6,
A financial transaction method based on multimedia content, characterized in that when the financial application is not installed in the other party's receiving terminal, the installation information of the financial application and explanatory text related to the management folder are transmitted together. According to claim 6,
In the sending terminal, further comprising creating a plurality of management folders and shared folders;
In the input step,
The multimedia content-based financial transaction method characterized in that the multimedia content stored in the management folder selected from among the plurality of management folders is input as the multimedia content to be transmitted. In the financial transaction method based on multimedia contents,
generating a shared folder based on the text inputted with the hash tag in the sending terminal;
installing a financial application and transmitting explanatory text related to the shared folder to a plurality of receiving terminals that will share the shared folder based on the phone numbers of the plurality of receiving terminals stored in the transmitting terminal;
and transmitting, at the sending terminal, an alarm message to the plurality of receiving terminals when multimedia contents are stored in the shared folder. According to claim 10,
Further comprising displaying details of financial transactions related to the shared folder on each of the plurality of receiving terminals, the multimedia content-based financial transaction method. According to claim 11,
The multimedia content-based financial transaction method characterized in that each of the plurality of receiving terminals checks and displays the multimedia content stored in the shared folder on a screen displaying the details of the financial transaction. A recording medium recording a program for executing the multimedia content-based financial transaction method according to any one of claims 1 to 12 in a computer. In the multimedia content-based financial transaction device,
In the processor of the sending terminal,
In the financial application, a management folder is created based on the text entered with the hashtag,
Selecting multimedia content stored in the management folder together with financial transactions in the financial application;
A financial transaction device based on multimedia content for transmitting the selected multimedia content to the receiving terminal along with a financial transaction from the financial application to the receiving terminal.

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