KR20240006474A - Method and apparatus for handling capital movement - Google Patents

Abstract

The present technology relates to methods and devices for processing capital movements. The capital movement processing method of this technology is from a first user account (first account) linked with a first user terminal (first terminal) to a second user account (second account) linked with a second user terminal (second terminal). ) as a method of processing the movement of capital, based on the remittance amount input from the first terminal, a GUI that can be touch input is created and provided to the second terminal so that it can be received in cash or in stocks instead of cash. According to this technology, it solves the need for recipients of remittances to invest the small amount they will receive in places that generate more diverse cash flows. Additionally, from the sender's perspective, it goes beyond simply transferring cash and also solves the need to make investment proposals. It also provides a way to incorporate new businesses when sending small amounts of money.

Description

{Method and apparatus for handling capital movement}

The present invention relates to a method and device for processing capital movement, and more specifically, to a method and device for purchasing small stocks immediately upon receiving a remittance.

With the development of fintech, various services exist to facilitate remittance.

Typically, a service that allows money transfer through a chat app application on a smartphone is provided. For example, you can consider the KakaoTalk money transfer function.

These services allow you to send small amounts to other users in a very easy way through the chat window of the chat app. The current small amount determined by related laws is up to 2 million won, and in the future, the transfer limit is expected to increase significantly in accordance with revisions to related laws, thereby improving user convenience. Therefore, it is expected that fintech companies will launch various services to facilitate related remittances. This trend goes hand in hand with the 4th Industrial Revolution.

Existing remittance services are simply cash transfers. Money goes out of account A and into account B. Classic methods do not create new businesses. Simple cash transfers can be solved through increasingly simplified banking applications, so with the development of fintech, incentives are needed to attract young customers to new businesses. In other words, it is time to provide services beyond cash transfers.

When transferring money from user A to user B, there is a need to incorporate a new business.

The inventor of the present invention completed the present invention after a long period of research and trial and error in order to solve these issues.

Embodiments of the present invention provide a capital movement processing method and device that can incorporate new businesses when transferring money between users.

Meanwhile, other unspecified purposes of the present invention will be additionally considered within the scope that can be easily inferred from the following detailed description and its effects.

From a first user account (first account) linked with a first user terminal (first terminal) according to an embodiment of the present invention, a second user account (second account) linked with a second user terminal (second terminal) As a method of processing the movement of capital, a GUI capable of touch input can be created and provided to the second terminal so that the transfer amount can be received in cash or in stocks instead of cash, based on the remittance amount input from the first terminal.

receiving stock items that can be purchased with the remittance amount from a first terminal among the terminals, and providing a first GUI generated based on the remittance amount and the stock items to the second terminal; And according to the result of the touch input of the second terminal on the first GUI, a first process of withdrawing cash from the first account and depositing cash into the second account is performed, or stocks are transferred from the first account. It may include performing a second process of shipping and stocking stocks into the second account.

Before the providing step, calculating the quantity of stocks that can be purchased with the input remittance amount in decimal units based on the market price of the input stock item at a predetermined first point in time and storing it in the first account; It may further include.

When performing the first process, it may include withdrawing the input remittance amount from the first account and depositing it into the second account.

When performing the first process, the deposit amount that can be exchanged for the stock quantity received and processed is calculated based on the market price of the input stock item at a predetermined second point in time, and the difference with the input remittance amount is calculated into the first process. It may further include a step of reflecting the stock in an account and a step of processing a stock cancellation for the stock quantity that has been stocked.

When performing the second process, the calculated stock quantity can be shipped from the first account and stored in the second account.

Stock items that can be purchased with the remittance amount are input from a second terminal among the terminals, and a second GUI is generated based on the remittance amount and a list of recommended stock items extracted from the smartphone application usage history of the second terminal. It may include providing it to the second terminal.

Depending on the result of the touch input of the second terminal on the second GUI, a third process of withdrawing cash from the first account and depositing cash into the second account is performed, or cash is withdrawn from the first account. And it may further include performing a fourth process of stocking stocks into the second account.

When performing the fourth process, the input remittance amount is withdrawn from the first account and the quantity of stocks that can be purchased with the input remittance amount is calculated in decimal units based on the market price of the input stock item at a predetermined point in time. It may further include the step of receiving and processing the goods in the second account.

The second GUI may include information on the stock quantity calculated by calculating the quantity of stock that can be purchased with the input remittance amount for each recommended stock item in decimal units.

In addition, from a first user account (first account) linked with a first user terminal (first terminal) according to an embodiment of the present invention, a second user account (second account) linked with a second user terminal (second terminal) ) is a device that processes the movement of capital, and based on the remittance amount input from the first terminal, a GUI capable of touch input can be created and provided to the second terminal so that it can be received in cash or in stocks instead of cash. .

In addition, as a method of processing the movement of capital from a customer payment account on an external server to a user account linked to a user terminal according to an embodiment of the present invention, based on the remittance amount input from the external server, it is received in cash or stocks instead of cash. The user terminal can be provided by creating a GUI capable of touch input so that it can be received.

This technology solves the need for recipients of remittances to invest the small amount they will receive in places that generate more diverse cash flows.

In addition, this technology solves the need for remitters to go beyond simply transferring cash and make investment proposals.

Additionally, this technology provides a way to incorporate new businesses when sending small amounts of money.

1 is a diagram schematically showing the movement of capital through a capital movement processing system according to an embodiment of the present invention.
Figure 2 is a diagram illustrating in detail the screen of a terminal where a money transfer process is in progress according to an embodiment of the present invention.
FIG. 3 shows a block diagram focusing on profit and loss processing in the process described above in FIG. 2.
Figure 4 is a diagram illustrating in detail the screen of a terminal where a money transfer process is in progress according to another embodiment of the present invention.
Figure 5 shows a block diagram centered on extracting a list of recommended stock items in the process described above in Figure 4.
Figure 6 is a flowchart showing the capital movement processing method occurring in Figures 2 and 3 over time.
Figure 7 is a flowchart showing the capital movement processing method occurring in Figures 2 and 3 over time.
Figure 8 is a diagram showing the detailed configuration of a capital movement device according to an embodiment of the present invention.
Figure 9 is a flowchart showing the capital movement processing method occurring in Figures 4 and 5 over time.
Figure 10 is a flowchart showing the capital movement processing method occurring in Figures 4 and 5 over time.
Figure 11 is a diagram schematically showing the movement of capital through a capital movement processing system according to another embodiment of the present invention.
The attached drawings are intended as reference for understanding the technical idea of the present invention, and are not intended to limit the scope of the present invention.

Below, the most preferred embodiments of the present invention are described. In the drawings, thickness and spacing are expressed for convenience of explanation, and may be exaggerated compared to the actual physical thickness. In describing the present invention, known configurations unrelated to the gist of the present invention may be omitted. When adding reference numbers to components in each drawing, it should be noted that identical components are given the same number as much as possible even if they are shown in different drawings.

1 is a diagram schematically showing the movement of capital through a capital movement processing system 1 according to an embodiment of the present invention.

As shown in FIG. 1, capital movement occurs from a first user (USER1) to a second user (USER2) through the capital movement processing system 1. In detail, capital is transferred from the first user's account (not shown) to the second user's account (not shown). In the present invention, the first user's account may be referred to as the first account, and the second user's account may be referred to as the second account.

Movement of capital includes movement of cash or movement of stocks. That is, if the first user has money to transfer to the second user, it can be sent in cash or stocks. The capital movement processing system enables the movement of cash from a first account to a second account or the movement of stocks from a first account to a second account. In the present invention, the description is focused on an embodiment in which capital is transferred to a second user due to a remittance request from a first user, but capital movement through such a remittance request may also occur between various users.

Sending cash may be taking money out of a first account and going into a second account. For this purpose, the capital movement processing system may have an inventory account holding sufficient cash. This is an inventory holding account. This allows real-time cash transactions to occur between users. Of course, it is also possible to withdraw cash from each account and deposit cash into the account in real time without an inventory account.

Sending stocks may mean stocks are shipped from a first account and stocks are received into a second account. For this purpose, the capital movement processing system may have an inventory account that holds a sufficient quantity of stocks. This is an inventory holding account. This allows real-time stock trading between users.

The inventory account for sending cash and the inventory account for sending stocks may be one single account.

On the other hand, sending stocks can be done in many other ways. For example, the stock trading proceeds may be deducted from the first account and the stocks may be received in the second account. The first account may pay the trading proceeds on behalf of the other account. This is how the same money flow occurs. Alternatively, stock purchase transactions may occur in each account and only the purchase price may be transferred. In other words, after the stock purchase price is deducted from the first account and the stocks are received into the first account, the stock purchase price is deducted from the second account and the stocks are received into the second account, and along with this, the stocks entered from the first account are The sale may be processed and the stock sale proceeds are returned to the first account and then transferred back to the second account. In either case, money equal to the remittance amount is withdrawn from the first account, and stocks equal to the remittance amount are received into the second account.

In the present invention, the first account and the second account may be a comprehensive stock account, a comprehensive trading account, or a comprehensive personal asset management account that allows both cash and stock transactions. The present invention is not limited to this term, and any account that allows both cash transactions and stock transactions can be used.

The movement of cash according to an embodiment of the present invention is a relative concept to the movement of stocks, and does not necessarily mean the movement of bills (or cash). It may also mean the movement of various means with a monetary function, such as virtual currency, recharge money, membership points, electronic payment money, etc. Therefore, in processing the movement of cash from the first account to the second account, the capital transfer device 100, for example, deducts money equivalent to the remittance amount from the first user's account in the case of recharge money and 2 You can increase the money to the user's account by the amount of the transfer. Alternatively, in the case of membership points, points equivalent to the remittance amount may be deducted from the first user's account and points equivalent to the remittance amount may be increased to the second user's account. Alternatively, in the case of virtual currency, coins equivalent to the remittance amount can be deducted from the first user's account and coins equivalent to the remittance amount can be increased to the second user's account. In addition, in contrast to the movement of stocks, it is possible to move various alternative methods of cash.

It is sufficient for the above-mentioned capital movement to be displayed to the user through the user terminal as if it were occurring in real time, and does not necessarily have to involve actual real-time movement of cash or stock. In other words, the post-settlement method is sufficient. This may mean that the capital movement processing system operates an inventory account that holds sufficient quantities of cash or stocks required for transactions in advance.

Continuing to refer to FIG. 1 , the capital movement processing system 1 according to an embodiment of the present invention includes a first user terminal (TM1), a second user terminal (TM2), and a capital movement processing device 100.

The first user terminal (TM1) is owned by the first user (USER1), and the second user terminal (TM2) is owned by the second user (USER2). In the present invention, the first user terminal can be simply referred to as the first terminal, and the second user terminal can be simply referred to as the second terminal.

The user terminal may be a smartphone, laptop, PC, etc. The user terminal executes a software program or application that provides a capital movement processing method according to an embodiment of the present invention. Through this, the first terminal provides the balance status of the first account to the first user. The second terminal provides the balance status of the second account to the second user. The balance status may be the amount of cash held or the amount of stocks held. The capital transfer processing device can manage the balance of each account according to each user's transaction request and provide information about the status of the balance to each terminal.

The capital movement processing device 100 is a device that provides a capital movement processing method according to an embodiment of the present invention. It may be a server operated by a company that provides a capital movement processing method according to an embodiment of the present invention. Since the present invention relates to an embodiment in which capital movement is processed through a chat program (messenger, etc.), it may be a server of a messenger company. Additionally, since the present invention enables the movement of cash, it can be a bank server. Additionally, since the present invention enables the movement of stocks (i.e., stock trading), it can be a server of a securities company. Although only one server is shown in the drawing, the present invention is not limited to the number, and a plurality of servers among a messenger company's server, a bank's server, and a securities company's server may operate in conjunction. Or, it may be a company server that can provide banking services, stock services, and messenger services.

User terminals (TM1, TM2) and the capital movement processing device 100 are connected through a network. The network may be a wired or wireless communication network.

Basically, the capital transfer processing device 100 receives a transfer request from the first terminal, processes the transfer of capital from the first account to the second account, creates a GUI for this, and provides it to the first terminal and the second terminal. Therefore, the first user can send money through his or her terminal, and the second user can receive the money through his or her terminal.

Hereinafter, with reference to FIGS. 2 to 10, we will examine in more detail the process by which the capital transfer processing device creates a GUI while communicating with user terminals to enable capital movement between accounts linked to user terminals.

The following description will focus on an embodiment in which a remittance service is provided through a chat window, but please note that the remittance service is not necessarily limited to this and that the remittance service can be performed through various types of communication between terminals. Additionally, the present invention is not limited to the types of currency or stock items presented in the examples.

Figure 2 is a diagram illustrating in detail the screen of a terminal where a money transfer process is in progress according to an embodiment of the present invention.

Figures 2A to 2C show the terminal screen of the first user, who is the remitter. Figure 2d shows the terminal screen of the second user, the recipient of the remittance.

The screen configuration shown in the drawing may be created by exchanging information between the capital transfer processing device 100 and the terminals TM1 and TM2.

Referring to FIG. 2A, the first user (ID: Git) can apply a touch input to the remittance GUI in a chat window for chatting with the second user (ID: Albert) through the first terminal. This corresponds to the process of requesting a transfer by pressing the touch input button (SD).

Then, as shown in Figure 2b, a screen is provided where you can enter the amount to be remitted. The amount to be sent in cash or stocks is determined here. This corresponds to the step (S1) of entering the remittance amount.

Referring to FIG. 2C, in step S1, the remittance amount is input as 100,000 won, and as shown in the figure, the recipient of the remittance and the remittance amount are displayed. At this time, a stock recommendation selection GUI (RC_G) according to an embodiment of the present invention is displayed. In detail, the drawing shows a touch input GUI that can send any one stock among Company A, Company B, Company C, and Company D. The present invention is not limited to the number of stock items and a GUI containing fewer or more stock items than four may be provided.

Meanwhile, the above-mentioned companies A to D can send stocks instead of cash when remitting money, that is, stocks that the capital transfer processing device can buy or sell, so they may be stocks that hold a certain amount or more in advance. It may be a stock that has a stock quantity in the inventory account. In other words, a stock recommendation selection GUI can be created based on the stocks held in the inventory account.

In addition, since the stock transfer according to the embodiment of the present invention involves a decimal transaction due to an amount-based transaction (such as a dollar-based trade) rather than a transaction based on the number of stocks, the capital transfer processing device must have a sufficient inventory quantity for such a decimal transaction. It is desirable to hold an inventory account (not shown). In other words, it is desirable for companies A to D to be stocks that are previously held by a company that provides a method for processing capital transfers (enables decimal trading). In other words, a stock recommendation selection GUI can be created based on stocks that can be traded in decimals.

This will be described with reference to FIGS. 2C and 2D. Assume that the first user selects the stock sending GUI for an amount, and the first user makes a touch input on the stock recommendation selection GUI to send stocks of company A among companies A to D. This corresponds to the step (S2) of receiving stock items that can be purchased with the remittance amount from the first terminal.

Then, the capital transfer processing device receives the relevant information and generates and provides a remittance reception method selection GUI (TC_G) to the second terminal, as described later. In the present invention, the remittance reception method selection GUI may be referred to as the first GUI.

In detail, the capital transfer processing device receives remittance amount information and stock item information that can be purchased with the remittance amount from the first terminal and generates the first GUI. And the generated first GUI is provided to the second terminal. This corresponds to the step (S3) of providing the first GUI to the second terminal.

Then, as shown in FIG. 2D, the second user can apply a touch input to the first GUI in a chat window for chatting with the first user through the second terminal.

Specifically, the first GUI includes a touch input area (ST) where a stock item selected by the first user can be received and a touch input area (CA) where the user can receive cash.

Meanwhile, as shown in the drawing, since the process of selecting a remittance reception method is provided through a chat app, this first GUI can be displayed on the second terminal with message reception time information on the right (shown at 1:33 p.m. being).

As will be described later, this time information can provide starting point information regarding when the stock price is determined upon a touch input to ST. The stock price (shown as +2.5%) at the relevant point in time (when the message is received) is shown in the touch input area (ST). This allows the market price at the time of message reception to be provided.

The first GUI is created by the capital transfer processing device and is meant to provide the recipient of the remittance with the option of receiving stock items suggested by the remitter instead of cash when the remitter sends the remittance. This makes stock recommendations possible. It enables the introduction of new businesses during the remittance process. It ensures that stocks can be purchased immediately during the remittance process.

Depending on the result of the second terminal's touch input on the first GUI, the capital transfer processing device performs a cash-transfer process to withdraw cash from the first account and deposit cash to the second account, or to transfer stocks from the first account. Perform the stock-transfer process of shipping and stocking stocks to the second account. This corresponds to the step (S4) of performing the capital movement process.

Specifically, when the capital transfer processing device receives the result of the touch input for ST from the second terminal, it performs a stock-transfer process of issuing stocks from the first account and storing stocks into the second account. Alternatively, when the touch input result for the CA is received from the second terminal, a cash-transfer process is performed to withdraw cash from the first account and deposit cash to the second account.

The cash-transfer process is described in detail below.

Meanwhile, according to an embodiment of the present invention, before the step (S3), the capital transfer processing device selects the stock item input through the step (S2) at a predetermined first point in time (the market close of the previous day or the sender's send touch). Based on the market price (at the time of input), the quantity of stocks that can be purchased with the remittance amount entered through the above step (S1) is calculated in decimal units and the step (S21) of storing and processing in the first account is performed. In other words, when recommending a stock, the first user purchases the stock and then recommends it. This allows profits from market margins to return to second users. If you are simply recommending a stock without purchasing it, the recipient cannot receive any profit. This makes it difficult to expect the business effect that the present invention seeks to introduce in the remittance process. The steps of the present invention are to maximize the business efficiency of sending stocks instead of cash during the remittance process.

The cash-transfer process continues.

After the above-described steps (S1, S2, S21, S3), when performing step (S4), the capital transfer processing device receives from the second terminal that receiving in cash is selected, inputs in step (S1) A step (S41) of withdrawing the received remittance amount from the first account and depositing it into the second account is performed.

In addition, based on the market price of the stock item entered in the step (S2) at a predetermined second time point (when the market closes on the previous day or when the remittance recipient touches the first GUI (i.e., CA)), the step (S21) ), a step (S42) of calculating the amount of deposit that can be exchanged for the quantity of stocks already received and processed and reflecting the difference (realized profit or loss) with the received remittance amount to the first account; A step (S43) to process stock cancellation is performed. That is, in step S21, the stock received is sold. Since the remitter only intended to remit money and did not intend to purchase stocks, if the remittance is completed in cash at the other party's choice, the previously purchased stocks are sold. The structure is such that the sender bears the burden of profit and loss on the stocks already purchased as the other party chooses to receive it in cash.

Meanwhile, the stocks already purchased through step S21 are automatically sold (S42, S43) once the cash transfer is completed (S41) as described above, but according to another embodiment of the present invention, the user Settings may be possible, and if the user (i.e., the remitter) sets stock holding processing instead of automatic selling processing, automatic selling processing may not occur, but holding processing may be performed. The holding process is to hold on to the stocks that have already been purchased.

In the above process, the first time point is the same as or earlier than the second time point. The first time is when the market closes on the previous day or when the sender touches the send button. The second time is when the market closes on the previous day or when the remittance recipient makes a touch input to the first GUI (i.e., CA).

There is no burden of profit or loss if the two points in time are the same because they are set to the same market closing date on the previous day. Alternatively, if the recipient of the remittance chooses to receive the message in cash the day after receiving it, the change in date incurs a profit or loss burden.

If the first time point is set when the sender touches the send button and the second time point is set when the remittance recipient touches the CA, a burden of profit or loss occurs when the time points are different.

The stock-transfer process is described below.

Note that the above-described step S21 is performed in the same manner.

After the above-described steps (S1, S2, S21, S3), when performing step (S4), the capital transfer processing device receives from the second terminal that receiving as a stock item proposed by the first user has been selected, The stock quantity calculated in step S21 is shipped from the first account and stored in the second account. That is, the stock quantity received in step S21 is shipped from the first account (the corresponding stock quantity may be processed as (-) in the first account), and the stock quantity received in step S21 is shipped to the second account. Stock it (the corresponding stock quantity can be (+) processed in the second account).

If profits are generated at the time of touch input to the first GUI (i.e., ST), the recipient of the remittance can receive stocks with an appraised amount greater than the original amount to be remitted by touching ST.

At this time, even if a loss occurs on the contrary, the recipient can receive stocks with an appraised amount that is less than the amount to be originally remitted by touching ST. This means that they can easily purchase the stocks recommended by the other party and do not have to bear the loss. If they don't like it, the recipient can just receive it in cash through the cash-transfer process described above. Here, a new business integration in the remittance process according to the embodiment of the present invention is an element that arouses users' interest.

Meanwhile, in this case, if the money is received in cash, the loss will be borne by the sender as described above, but since the sender is confident enough to recommend it, it is okay to bear the loss. Furthermore, depending on the user's settings for previously purchased stocks, they may be held instead of automatically sold. In this case, the sender is confident enough to recommend, so it is okay to hold stocks whose prices have fallen.

According to this embodiment of the present invention, the sender can deliver various products other than cash, and the recipient has the fun factor of having to decide when to receive it. If the stock price rises, you will be able to receive a higher amount than the amount sent. If the stock price falls, you will not suffer any loss if you receive it in cash.

FIG. 3 shows a block diagram focusing on profit and loss processing in the process described above in FIG. 2.

Referring to Figure 3, S21 is performed. And as the first GUI is provided to the second user, the second user selects a method of receiving money.

If the recipient of the remittance chooses to receive it in cash, they will receive it in cash. At this time, according to the performance of the above-mentioned step (S41), the sender will obtain the same result as money being withdrawn twice, but if the sale is automatically processed according to the user settings as described above, the sale price will be refunded (S42, S43), if stock holding is processed, it is okay as it is the result of purchasing stock.

If the recipient of the remittance chooses to receive it in stocks, he or she will receive stocks. The sender receives the same amount of stocks as purchased.

At this time, if a profit is generated compared to the time of purchase, the profit goes to the recipient of the remittance, as the stock quantity from which the profit was generated is received as is. Conversely, if a loss occurs compared to the time of purchase, the loss goes to the recipient of the remittance since he or she will receive the same amount of stock that caused the loss. In this case, the recipient of the remittance who does not want to lose money can choose to receive it in cash rather than in stocks (since it is possible to determine the market price).

In the above, we focused on an embodiment in which stock item recommendations are determined by the sender, but they may also be determined by the recipient. This is explained in detail below.

Figure 4 is a diagram illustrating in detail the screen of a terminal where a money transfer process is in progress according to another embodiment of the present invention.

Figures 4A to 4C all show the terminal screen of the second user, who is the recipient of the remittance.

The configuration of the screen shown in the drawing may be created by exchanging information between the document movement processing device 100 and the terminals (TM1 and TM2).

Unlike the embodiments of FIGS. 2 and 3 described above, there is no stock item recommendation process by the remittance sender, and in FIG. 4, stock items are recommended based on information generated in the terminal of the remittance recipient. Let's focus on the differences from the above-described embodiment.

First, as shown in Figure 4a, the remittance reception method selection GUI (TC_G2) is displayed. Hereinafter, this may be referred to as the second GUI.

At this time, note that the processes in FIGS. 2A and 2B described above are performed in the same manner. That is, the step (S1) of receiving the remittance amount from the sender is performed in the same manner. Referring to Figure 4a, it can be seen that the remittance amount was entered as 14,000 won by the sender.

Meanwhile, in the embodiment shown in FIG. 4, it is important how much money the recipient of the remittance will receive, and the method of inputting the remittance amount is possible without going through the first terminal. For example, it is possible to input the amount to be received from the first user to the second user from a capital transfer processing device that automatically calculates the amount (think of the Dutch pay function). In addition, of course, the present invention can be applied when there is an amount to be remitted from the first user to the second user in various ways (government refund, receipt of insurance money, etc.).

Continuing to refer to FIG. 4A, the second GUI includes a touch input area (ST2) for receiving stocks and a touch input area (CA2) for receiving cash.

As shown in the figure, since the process of selecting a remittance reception method is provided through a chat app, this second GUI can be displayed on the second terminal with message reception time information on the right (shown at 1:33 p.m.) .

The second GUI is created by the capital transfer processing device and has the meaning of providing the recipient of the remittance with the option of receiving recommended stock items instead of cash with his/her terminal information when receiving the remittance. This makes stock recommendations possible. It enables the introduction of new businesses in the process of receiving remittances. It ensures that stocks can be purchased immediately during the remittance process.

Continuing to refer to FIG. 4B, a process of receiving stock items that can be purchased with the remittance amount input through the step (S1) from the second terminal is performed (S6).

To this end, the capital transfer processing device generates a second GUI based on the remittance amount and a list of recommended stock items extracted from the smartphone application usage history (frequency, time, etc.) of the second terminal. And the generated second GUI is provided to the second terminal. This corresponds to the step (S11) of providing the second GUI to the second terminal.

In detail, as shown in FIG. 4C, the second terminal has smartphone application usage history. The Internet app with the most usage history is displayed, followed by the Talk app, followed by the Mail app, Contents app, Portal app, and Settings app. . The capital transfer processing device may receive such application usage history information by communicating with a second terminal (S111), extract related stocks based on this (S112), and generate a second GUI (S113).

For example, if the developer of the Internet app is Company A, the developer of the Talk app is Company C, the developer of the mail app is Company E, the developer of the content app is Company F, and the developer of the portal app is Company G, as shown in Figure 4b As shown, a list of recommended stock items can be created based on their ranking: Company A stocks, Company C stocks, Company E stocks, Company F stocks, and Company G stocks.

Additionally, the second GUI may display the quantity of each stock item that can be purchased with the corresponding remittance amount in decimal units. In the drawing, an embodiment is shown where the remittance amount for a total of 5 stock items is automatically distributed according to the usage time for each app and a decimal purchase is made for each stock item with an amount smaller than the remittance amount, but the present invention is limited to this. This is not possible, and Kyungwoong, which selects one stock from the list of recommended stocks, may display the quantity available for purchase as a decimal point for the entire remittance amount.

Depending on the result of the second terminal's touch input on the second GUI, the capital transfer processing device performs a cash-transfer process to withdraw cash from the first account and deposit cash to the second account, or to withdraw cash from the first account. A stock-replacement process is performed to withdraw and credit the stock to the second account (step S7).

Specifically, when the capital transfer processing device receives the result of the touch input for ST2 from the second terminal, it performs a stock-replacement process of withdrawing cash from the first account and storing stocks into the second account. Alternatively, when the touch input result for CA2 is received from the second terminal, a cash-transfer process is performed to withdraw cash from the first account and deposit cash to the second account.

Unlike the cash-transfer process described above in FIG. 2, it is sufficient if a transfer of cash occurs from the first account to the second account, and steps (S21, S41-S43) as in FIG. 2 are not required.

The stock-replacement process, unlike the one described above in FIG. 2, is sufficient when the amount corresponding to the remittance amount is withdrawn from the first account and the stock quantity corresponding to the remittance amount is received into the second account, and the same steps as in FIG. 2 (S21 , S46) is not requested.

When performing the step (S7), the input remittance amount is withdrawn from the first account and the input stock item is selected at a predetermined time (when the market closes on the previous day or when the remittance recipient touches the second GUI (i.e., ST2) Based on the market price (at the time of input), the quantity of stocks that can be purchased with the input remittance amount can be calculated in decimal units and stored in the second account.

Figure 5 shows a block diagram centered on extracting a list of recommended stock items in the process described above in Figure 4. We will focus on the process of receiving the remittance amount in stocks when the second user selects to receive it in stocks.

Referring to Figure 5, S11 is performed. In detail, the capital transfer processing device extracts recommended stock items from the app usage history obtained from the second terminal (S111, S112). In the extraction process (S112), app developer or distributor, app category or genre, similar technology stack, etc. can be considered together.

And as the second GUI is provided to the second user, the second user selects the method of receiving the remittance and, if he or she selects to receive it in cash, receives cash. In this process, the second user can select automatic distribution according to the usage time for each app as described above, thereby distributing the stock portfolio according to the amount of remittance received.

Unlike the case of FIG. 2 described above, in the embodiment of FIG. 4, there is no concept of profit or loss compared to the time of purchase. It is sufficient if the recipient of the remittance receives the corresponding amount in stocks at the time he or she wishes to receive the remittance amount in stocks.

Figures 6 and 7 are flowcharts showing the capital movement processing method that occurs in Figures 2 and 3 described above over time.

And Figure 8 is a diagram showing the detailed configuration of a capital transfer device according to an embodiment of the present invention.

First, referring to FIG. 6, the capital movement processing method according to an embodiment of the present invention includes receiving a remittance amount from a first terminal (S1), and receiving stock items that can be purchased with the remittance amount from the first terminal among the terminals. Step (S2), calculating the quantity of stocks that can be purchased with the input remittance amount in decimal units based on the market price of the input stock item at a predetermined first point in time and storing it in the first account (S21), Step (S3) of providing a first GUI generated based on the remittance amount and stock items to the second terminal, and withdrawing cash from the first account and It may include performing a cash-transfer process of depositing cash into an account 2, or performing a stock-transfer process of issuing stocks from a first account and receiving stocks into a second account (S4).

To this end, the capital movement processing device 100 may include a communication unit 110, a pre-stocking processing unit 120, a first GUI providing unit 130, and a process performing unit 140, as shown in FIG. . Steps S1 and S2 can be performed in the communication unit. Step (S21) can be performed in the pre-warehousing processing unit. Step (S3) can be performed by the first GUI provider. Step S4 can be performed in the process execution unit.

Referring to FIG. 7, step S4 of the capital transfer processing method according to an embodiment of the present invention includes withdrawing the input remittance amount from the first account and depositing it into the second account when performing the cash-transfer process ( S41), calculating the deposit amount that can be exchanged for the stock quantity received and processed based on the market price of the input stock item at a predetermined second point in time and reflecting the difference with the input remittance amount in the first account It may include a step (S42) and a step (S43) of processing stock cancellation for the stock quantity that has been stocked.

Alternatively, the step (S4) of the capital transfer processing method according to an embodiment of the present invention includes the step (S46) of issuing the calculated stock quantity from the first account and receiving it into the second account when performing the stock-transfer process. It can be included.

Steps S41 to S43 and S46 can be performed by the process execution unit.

Figures 9 and 10 are flowcharts showing the capital movement processing method that occurs in Figures 4 and 5 described above over time.

First, referring to Figure 9, the capital movement processing method according to an embodiment of the present invention includes a step (S1) of receiving a remittance amount from a first terminal, and extracting the remittance amount from the smartphone application usage history of the second terminal. A step of providing a second GUI generated based on a list of recommended stock items to the second terminal (S11), a step of receiving stock items that can be purchased with the remittance amount from the second terminal among the terminals (S6), and a second step. Depending on the result of the second terminal's touch input on the GUI, a cash-transfer process is performed to withdraw cash from the first account and deposit cash to the second account, or to withdraw cash from the first account and stocks to the second account. It may include a step (S7) of performing a stock-replacement process of stocking.

To this end, the capital movement processing device 100 may further include a second GUI providing unit 150, as shown in FIG. 8. Steps S1 and S6 can be performed in the communication unit. Step (S11) can be performed by the second GUI provider. Step S7 can be performed by the process execution unit.

Referring to Figure 10, step (S11) of the capital transfer processing method according to the embodiment of the present invention includes receiving smartphone app usage details from a second terminal (S111) and extracting a list of recommended stock items from the app usage details. It may include a step (S112), and a step of generating a second GUI based on the extracted information (S113). Steps S111 to S113 may be performed by the second GUI provider.

Meanwhile, in the above, we have looked at embodiments focusing on operations between user terminals (i.e., during transactions between individuals), but embodiments of the present invention also apply when transferring money between external servers and terminals (i.e., between companies and individuals or between institutions and individuals). It can also be applied during transactions). Let's look at it in more detail below.

Figure 11 is a diagram schematically showing the movement of capital through a capital movement processing system 1' according to another embodiment of the present invention.

As shown in FIG. 11, the capital movement processing system 1' may include an external server (SV), a user terminal (TM), and a capital movement processing device 100. 1 to 10, the same description applies except that the first user terminal (TM1) is changed to the external server (SV) and the first user account is changed to the customer payment account of the external server. As possible, the following will focus on the differences.

The external server (SV) may be a server operated by a financial company (CS). Or, it may be a server operated by an insurance company. Or, it may be a server operated by a public institution.

The customer payment account on the external server may be an account managed by a financial company, insurance company, or public institution to pay various expenses to customers. It may be an account for internal customer management of a company/institution. Or, it may be a bank account linked to a company/institution (such as a Shinhan Bank account). The present invention is not limited to terms, and the customer payment account according to an embodiment of the present invention is sufficient as an account managed by a company/institution to pay expenses to customers.

External servers and capital movement processing units are connected through a network. The network may be a wired or wireless communication network.

The external server (SV) may be a server of a company whose customers are users of the user terminal (TM). Accordingly, when there is an amount to be paid (or refunded) to the customer, the external server can remit the money through the capital transfer device according to the embodiment of the present invention. Therefore, it becomes possible to receive cash or stocks when remitting money.

For example, if the external server is a financial company server, the interest income or refund to be paid by the financial company to the customer can be transferred in cash or stocks through a capital transfer device. As another example, if the external server is an insurance company server, the insurance company can transfer the insurance money to be paid to the customer in cash or stocks through a capital transfer device. As another example, a government agency may transfer refunds to customers in cash or stocks through a capital transfer device.

According to the first embodiment of FIGS. 2 and 3 described above, the capital transfer device generates a GUI capable of touch input so that it can be received in cash or in stocks instead of cash, based on the remittance amount input from an external server, and sends the information to the user terminal. can be provided. For example, the first GUI (TC_G) described above in FIG. 2D can be created and provided to the user terminal.

However, at this time, while the first GUI described above in FIGS. 2 and 3 is created based on the stock item input from the remitter (and therefore includes a procedure for inputting the stock item from the remitter), in the embodiment of FIG. 11 Since it is an external server rather than a first user terminal, the procedure for inputting stock items from an external server may be omitted. In other words, there is no separate such procedure, and it is sufficient for the capital transfer processing device to generate the first GUI by receiving the remittance amount and stock items that can be purchased with the remittance amount from an external server. Alternatively, in some cases, an embodiment in which the administrator of the external server inputs the remittance amount and stock items that can be purchased with the remittance amount through a terminal (central computer, etc.) that controls the external server is also possible.

Hereinafter, the fact that a cash-transfer process or a stock-transfer process is performed according to the result of a touch input on the first GUI of the user terminal is the same as in FIGS. 2 and 3 described above, and a more detailed description will be omitted.

According to the second embodiment of FIGS. 4 and 5 described above, the capital transfer device generates a GUI capable of touch input so that the remittance amount can be received in cash or in stocks instead of cash based on the remittance amount input from the external server and sends the information to the user terminal. can be provided. For example, the second GUI (TC_G2) described above in FIG. 2A can be created and provided to the user terminal.

At this time, the stock items that can be purchased with the remittance amount are input from the user terminal, and a second GUI can be created and provided to the user terminal based on the remittance amount and the list of recommended stock items extracted from the smartphone application usage history of the user terminal. .

Hereinafter, the fact that a cash-transfer process or a stock-substitution process is performed according to the result of a touch input on the second GUI of the user terminal is the same as in FIGS. 4 and 5 described above, and a more detailed description will be omitted.

The term 'system' used in this document may be a collection of related elements combined according to certain rules to realize necessary functions. It may be a small aggregate combining related elements into small units, or it may be a large aggregate combining all related elements. The system may include various modules that perform processing to perform financial services, such as capital movement processing, on the elements it contains. A module may refer to a unit that includes, for example, one or a combination of two or more of hardware, software, or firmware. Module may be used interchangeably with terms such as unit, logic, logical block, component, or circuit, for example.

Additionally, the term “unit” used in this document may mean, for example, a unit including one or a combination of two or more of hardware, software, or firmware. “Part” can be used interchangeably with terms such as, for example, module, unit, logic, logical block, component, or circuit. ) can be. A “part” may be the minimum unit of an integrated part or a part thereof. “Part” may be the minimum unit or part of one or more functions. The “part” may be implemented mechanically or electronically. For example, a “part” may be an application-specific integrated circuit (ASIC) chip, field-programmable gate arrays (FPGAs), or programmable-logic device, known or to be developed in the future, that performs certain operations. It can contain at least one.

A server according to an embodiment of the present invention may include a communication unit, a processor, and memory. For example, a server may be a terminal such as a computer that can install software or applications. The communication unit is connected to the processor and memory to transmit and receive data. The communication unit is connected to other external devices and can transmit and receive data. Hereinafter, the expression "transmitting and receiving "A" may refer to transmitting and receiving "information or data representing A." The communication unit can be implemented as a circuitry within the server. For example, the communication unit may include an internal bus and an external bus. As another example, the communication unit may be an element that connects a server and an external device. The communication unit may be an interface. The communication unit may receive data from an external device and transmit the data to the processor and memory. The processor processes data received by the communication unit and data stored in memory. A “processor” may be a data processing device implemented in hardware that has a circuit with a physical structure for executing desired operations. For example, the intended operations may include code or instructions included in the program. For example, data processing devices implemented in hardware include microprocessors, central processing units, processor cores, multi-core processors, and multiprocessors. , ASIC (Application-Specific Integrated Circuit), and FPGA (Field Programmable Gate Array). The processor executes computer-readable code (e.g., software) stored in memory and instructions triggered by the processor. The memory stores data received by the communication unit and data processed by the processor. For example, memory can store programs (or applications, software). The stored program or application may be a set of syntax that is coded to perform payment for a product and can be executed by a processor. According to one embodiment, the memory may include one or more volatile memory, non-volatile memory, random access memory (RAM), flash memory, hard disk drive, and optical disk drive. Memory stores the set of instructions (e.g. software or applications) that run the server. The set of instructions that run the server are executed by a processor.

Embodiments of the present invention described so far may be implemented with hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, and a field programmable gate (FPGA). It may be implemented using a general-purpose computer or a special-purpose computer, such as an array, programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and software applications running on the operating system. Additionally, a processing device may access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described as being used; however, those skilled in the art will understand that a processing device includes multiple processing elements and/or multiple types of processing elements. It can be seen that it may include. For example, a processing device may include multiple processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are possible.

Software may include a computer program, code, instructions, or a combination of one or more of these, which may configure a processing unit to operate as desired, or may be processed independently or collectively. You can command the device. Software and/or data may be used on any type of machine, component, physical device, virtual equipment, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on a computer-readable recording medium.

Additionally, embodiments of the present invention may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and constructed for the present invention or may be known and usable by those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes optical media (magneto-optical) and hardware devices configured to store and execute program instructions such as ROM, RAM, flash memory, etc. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware device described above may be configured to operate as at least one software module to perform the operations of the embodiments of the present invention, and vice versa.

As described above, the present invention has been described with specific details such as specific components and limited embodiments and drawings, but this is only provided to facilitate a more general understanding of the present invention, and the present invention is not limited to the above embodiments. , those skilled in the art can make various modifications and variations from this description. Accordingly, the spirit of the present invention should not be limited to the described embodiments, and the scope of the patent claims described below as well as all modifications that are equivalent or equivalent to the scope of this patent claim shall fall within the scope of the spirit of the present invention. .

1: Capital movement processing system
100: capital movement processing unit
110: Department of Communications
120: Pre-stocking processing department
130: first GUI provision unit
140: Process execution unit
150: Second GUI provision unit
TM1: first user terminal
TM2: Second user terminal
RC_G: Stock recommendation selection GUI
TC_G: GUI for selecting remittance reception method, 1st GUI
TC_G2: GUI for selecting remittance reception method, 2nd GUI

Claims (12)

Processing the movement of capital from a first user account (first account) linked to a first user terminal (first terminal) to a second user account (second account) linked to a second user terminal (second terminal) As a method,
A capital transfer processing method that generates a touch-inputable GUI and provides it to the second terminal, based on the remittance amount input from the first terminal, so that it can be received in cash or in stocks instead of cash. According to paragraph 1,
The stock items that can be purchased with the remittance amount are input from the first terminal among the terminals,
providing a first GUI generated based on the remittance amount and the stock item to the second terminal; and
Depending on the result of the touch input of the second terminal on the first GUI, a first process of withdrawing cash from the first account and depositing cash into the second account is performed, or stocks are released from the first account. and performing a second process of receiving stocks into the second account. According to paragraph 2,
Before the providing step, calculating the quantity of stocks that can be purchased with the input remittance amount in decimal units based on the market price of the input stock item at a predetermined first point in time and storing it in the first account; A capital movement processing method further comprising: According to paragraph 3,
When performing the first process, a capital transfer processing method comprising withdrawing the input remittance amount from the first account and depositing it into the second account. According to paragraph 4,
When performing the first process, the deposit amount that can be exchanged for the stock quantity received and processed is calculated based on the market price of the input stock item at a predetermined second point in time, and the difference with the input remittance amount is calculated into the first process. A capital movement processing method further comprising reflecting the stock in an account and processing a stock cancellation for the stock quantity that has been stocked. According to paragraph 3,
When performing the second process, a capital transfer processing method of issuing the calculated stock quantity from the first account and receiving it into the second account. According to paragraph 1,
Stock items that can be purchased with the remittance amount are input from a second terminal among the terminals, and a second GUI is generated based on the remittance amount and a list of recommended stock items extracted from the smartphone application usage history of the second terminal. A capital movement processing method including; providing to the second terminal. In clause 7,
Depending on the result of the touch input of the second terminal on the second GUI, a third process of withdrawing cash from the first account and depositing cash into the second account is performed, or cash is withdrawn from the first account. and performing a fourth process of stocking stocks into the second account. According to clause 8,
When performing the fourth process, the input remittance amount is withdrawn from the first account and the quantity of stocks that can be purchased with the input remittance amount is calculated in decimal units based on the market price of the input stock item at a predetermined point in time. A capital transfer processing method further comprising the step of receiving and processing the money in the second account. In clause 7,
The second GUI is a capital transfer processing method that includes information on the quantity of stocks calculated in decimal units as the quantity of stocks that can be purchased with the input remittance amount for each recommended stock item. Processing the movement of capital from a first user account (first account) linked to a first user terminal (first terminal) to a second user account (second account) linked to a second user terminal (second terminal) As a device,
A capital transfer processing device that generates a touch-inputable GUI and provides it to the second terminal, based on the remittance amount input from the first terminal, so that it can be received in cash or in stocks instead of cash. As a method of processing the movement of capital from a customer payment account on an external server to a user account linked to a user terminal,
A capital transfer processing method that generates a touch-inputable GUI and provides it to the user terminal so that the remittance amount input from the external server can be received in cash or in stocks instead of cash.