WO2015102122A1 - Procédé destiné à fournir des services financiers internationaux à l'aide d'application de communication et serveur de banque associé - Google Patents

Procédé destiné à fournir des services financiers internationaux à l'aide d'application de communication et serveur de banque associé Download PDF

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Publication number
WO2015102122A1
WO2015102122A1 PCT/KR2013/012393 KR2013012393W WO2015102122A1 WO 2015102122 A1 WO2015102122 A1 WO 2015102122A1 KR 2013012393 W KR2013012393 W KR 2013012393W WO 2015102122 A1 WO2015102122 A1 WO 2015102122A1
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WIPO (PCT)
Prior art keywords
station
country
server
user
virtual account
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PCT/KR2013/012393
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English (en)
Korean (ko)
Inventor
최수진
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주식회사 신한은행
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Publication of WO2015102122A1 publication Critical patent/WO2015102122A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/14—Travel agencies
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/50—Business processes related to the communications industry
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10—TECHNICAL SUBJECTS COVERED BY FORMER USPC
    • Y10S—TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10S707/00—Data processing: database and file management or data structures
    • Y10S707/99931—Database or file accessing

Definitions

  • the present invention relates to a method and apparatus for providing an online banking service between different countries using an application installed on a mobile device or a computer.
  • the tourism industry is a high value-added industry that can obtain high profits by investing relatively small amount of resources, and its importance is widely recognized from the national economic level.
  • Korean wave which has begun in Japan, more and more tourists are visiting Korea from various countries such as Japan, China and Southeast Asia.
  • the present invention provides a method for a bank server to set up a virtual account for a user in a communication application to a user of a communication application, and to process an accounting service or a financial service requested by a user in his / her country or another country based on the amount charged in the virtual account. Suggest.
  • the present invention proposes a method for a platform provider server to provide a financial service based on a chat message input by a user in a chat window using a communication application.
  • a method in which a bank server provides a financial service to an international user registered on a platform operator server may include: a first country user of a communication application provided by a first country platform operator server subscribes to a financial service using the application. If a first station virtual account is set up for a user of a first station by the first country bank server, the second station bank server is configured from the first station bank server, and the second station virtual account for the first station user is set. Receiving a request to open an account; And when the exchange request is read from the chat message of the user of the first station input through the application, the second station bank server exchanges the currency from the first station's currency deposited in the first station's virtual account. And depositing a currency exchange amount into a currency of the second station.
  • the platform operator server the user interprets the chat message entered into the chat window using the communication application to obtain the financial service request information and delivers it to the bank server, so that the user installs an application for a separate financial service or It is possible to provide financial services to users even without direct access to the bank server.
  • the bank server sets up a mother account to the platform operator server and a virtual account to the user of the communication application based on this, the user does not need to open a bank account directly, and in particular, a virtual account is opened in another bank. It can also provide financial services based on foreign accounts.
  • an exchange rate favorable to a user in a first country currency may be applied to the second country currency and then deposited in the second country virtual account.
  • the burden of cash transportation may be reduced because it is not necessary to carry a large amount of money directly.
  • the second country's offline merchant stores the payment amount using the prepaid card in the second country's virtual merchant. It may be settled based on the deposit amount of the account.
  • the credit card company and a partner in a second country provide a benefit service for the prepaid card. If you pay for your purchases using a prepaid card in the country, you can receive the benefits provided by affiliates.
  • FIG. 1 is a diagram illustrating a platform service server for a first country, a second country, and a first country, a first country, and a second country that provide global financial services through a communication application (hereinafter, referred to as an application) provided by a platform provider server according to various embodiments.
  • a communication application hereinafter, referred to as an application
  • a block diagram of a two-bank bank server is shown.
  • FIG. 2 illustrates a flowchart of a method in which a first station platform operator server, a second station platform operator server, a first station bank server, and a second station bank server provide global financial services through an application, according to various embodiments.
  • FIG. 3 illustrates an interface screen in which a message for requesting a currency exchange by a user is input through an application according to an exemplary embodiment.
  • FIG. 4A illustrates a process in which a Japanese customer of an application provided by a Japanese platform operator subscribes to a global financial service, according to an embodiment.
  • 4B illustrates a process for a Japanese customer to exchange yen into Japanese currency through an application, according to one embodiment.
  • 4C illustrates a process for a Japanese customer to exchange Korean won to Japanese yen via an application, according to one embodiment.
  • 5 shows a process for transferring funds between members of an application according to another embodiment.
  • FIG. 6 shows a process for a member of an application to purchase content through the application, according to another embodiment.
  • Figure 7 shows, in another embodiment, a process for a member of an application to make a payment at a domestic merchant using a prepaid card issued in another country.
  • a method in which a bank server provides a financial service to an international user registered on a platform operator server may include: a first country user of a communication application provided by a first country platform operator server subscribes to a financial service using the application. If a first station virtual account is set up for a user of a first station by the first country bank server, the second station bank server is configured from the first station bank server, and the second station virtual account for the first station user is set. Receiving a request to open an account; And when the exchange request is read from the chat message of the user of the first station input through the application, the second station bank server exchanges the currency from the first station's currency deposited in the first station's virtual account. And depositing a currency exchange amount into a currency of the second station.
  • a method in which a bank server provides a financial service to an international user registered on a platform operator server may include: a user of a first country of a communication application provided by a platform operator server of a first country subscribes to the financial service using the application. Then, the first station bank server establishes a first station virtual account for the first station user, and transmits a request for opening a second station virtual account for the first station user to the second station bank server. ; And when the exchange request is read from the chat message of the first station user input through the application, the second station bank server exchanges the currency from the first station currency principal deposited in the virtual account of the first station. And sending a deposit request to the bank of the second station so that the exchange amount of the local currency is deposited into the second station virtual account.
  • a method of providing a financial service to an international user registered on a platform provider server may include: subscribing to a financial service using the application received from a first country user of a communication application provided by a first country platform operator server. Processing the application; Sending, by the first station platform operator server, a request for opening a first station virtual account to the first station user based on a mother account set for the first station platform operator server to the first station bank server; ; Currency exchange request for the first station platform operator server to exchange the first station currency principal deposited in the first station virtual account into a second station currency from the chat message of the first station user input through the application.
  • a bank server providing a financial service to an international user registered to a platform operator server may be configured to register when the first station user of a communication application provided by the platform operator server of the first country subscribes to the financial service using the application.
  • a first station virtual account is set up for a user of a first station by a station bank server, a virtual account that receives a request for opening a second station virtual account for the first station user from the first station bank server.
  • a virtual account manager configured to set the second station virtual account to the first station user based on the mother account set for the second station platform operator server to manage information about the second station virtual account and the first station user.
  • the exchange request is read from the chat message of the user of the first station input through the application, the currency exchange amount of the second station currency exchanged from the currency of the first station deposited in the virtual account of the first station. It includes an accounting processing unit for processing the deposit to the second station virtual account.
  • a bank server providing a financial service to an international user registered on a platform operator server subscribes to a financial service using the application
  • a user of a first station of a communication application provided by the platform operator server of the first country A virtual account opening request unit for setting a first station virtual account for the first station user and transmitting a request for opening a second station virtual account for the first station user to a second station bank server;
  • a virtual account manager configured to set the first station virtual account to the first station user based on the mother account set for the first station platform operator server to manage information about the first station virtual account and the first station user.
  • the first station bank server exchanges the currency from the first station currency principal deposited in the first station virtual account.
  • an accounting request unit for transmitting a deposit request to the banking server of the second station so that the currency exchange amount of the second station currency is deposited into the virtual account of the second station.
  • a platform service provider server providing a financial service to an international user may process a subscription request for a financial service using the application from a first country user of a communication application provided by a first country platform service provider server.
  • a subscription application processing unit for transmitting a request for opening a virtual account of a first station to a user of the first station based on a mother account set for the first station platform operator server, to a first station bank server;
  • a message reading unit for reading a currency exchange request for converting a first station currency principal deposited in the first station virtual account into a second station currency from a chat message of the user of the first station entered through the application;
  • the first country platform operator server exchanges a currency exchange amount of the second country currency exchanged from the first country currency principal deposited in the first country virtual account to the first country bank server.
  • an accounting request unit for transmitting a deposit request for depositing into a virtual account of a second station, wherein the exchange request is transmitted from the first bank server to a second bank server.
  • a communication application may be established through a network between a first station platform operator server, a first station bank server, a second station bank server, and a second station platform operator server according to various embodiments of the present disclosure.
  • the method of providing global financial services using an application to a user is described in detail.
  • the same reference numerals are assigned to the same elements as much as possible even though they are displayed on different drawings.
  • FIG. 1 illustrates a first station platform operator server 130, a second station platform operator server 170, and a first station bank server that provide global financial services through a communication application provided by a platform operator server according to various embodiments of the present disclosure.
  • 110 a block diagram of the second station bank server 150 is shown.
  • 2 illustrates a first station platform operator server 130, a second station platform operator server 170, a first station bank server 110, and a second station bank server 150 according to various embodiments of the present disclosure.
  • a flowchart of a method of providing a financial service is shown.
  • 'Platform business' refers to a business that generates profit by easily exchanging various contents and services in the media industry by using network and network communication.
  • Conventional platform operators refer to mobile communication providers and broadcasters that transmit broadcast contents.
  • Internet portal providers and online communication service providers that provide universal media including text, images, and videos may also be classified as platform providers.
  • the first station platform operator server 130 may be a service provider for providing a communication service or a social networking service (SNS) service in a first station, and may provide a communication application such as a messenger to a user.
  • the communication application may be a mobile application installed on a terminal or a website for providing an online communication service.
  • the second station platform provider server 170 may also be a provider that provides communication services or SNS services in the second station.
  • the communication application may include a program that delivers an instant message input by both users to both parties so as to enable 1: 1 conversation and group conversation between users.
  • Communication application not only a function for delivering a text message according to the type of program, but also a program that can perform a function for delivering a file, such as a document file, a graphic file, a voice file using the Internet It may include.
  • the first station platform operator server 130 is operated by the platform operator of the first country
  • the second station platform operator server 170 is operated by the platform operator of the second country.
  • the first station platform operator, the operator of the first station platform operator server 130, and the second station platform operator, the operator of the second station platform operator server 170 may be independent entities, but may also be the same entity. have.
  • the first station platform operator server 130 and the second station platform operator server 170 independently provide services to users of each country, but may provide services of the same kind or mutually compatible.
  • the first station platform operator server 130 and the second station platform operator server 170 may share customer information of the counterpart user according to the type of service and may allow the counterpart user to apply for use.
  • a global financial service may be provided for a user of a first country who is a member of the one station platform provider server 130.
  • the first station platform operator server 130 and the second station platform operator server 170 may provide financial services using a communication application to the user of the first station.
  • a communication application provided by the first country platform operator server will be referred to as a "first country application" for short.
  • the virtual account of the first country bank 110 is provided to the first country user so that the first country user can use the financial service based on the first country account by subscribing to the financial service using the application without having to open an account directly. Can be set.
  • the principal of the second country is the mother account. You will need a virtual account.
  • the first country platform operators and the second country platform operators may each be the parent account of the virtual account set to the user of the first country in the local bank.
  • the first station bank server 110 may set a first station mother account to the first station platform operator, and a virtual account to the first station user based on the first station mother account.
  • the second station bank server 150 may also set a second station mother account to the second station platform operator and a virtual account to the first station user based on the second station mother account.
  • the virtual account registered in the first station bank server 110 for the user of the first station is referred to as 'first station virtual account'
  • the virtual account registered in the second station bank server 150 is referred to as 'second country virtual account'. Account.
  • the first country platform operator server 130 may include a subscription application processing unit 132, a message reading unit 134, and an accounting request unit 136.
  • the subscription application processor 132 of the first country platform operator server 130 may process a subscription request for a financial service using an application from a user of the first country.
  • An online subscription request may also be accepted, and application processing may be performed at the same time as the subscription request is received.
  • the message reader 134 of the first station platform operator server 130 may receive a financial service use request by decrypting a chat message of the first station user input through the application. For example, the message reader 134 may read a currency exchange request from a chat message of a user of a first station.
  • the accounting request unit 136 of the first station platform operator server 130 may transfer the exchange request of the first station user to the first station bank server 110.
  • the first bank server 110 may include a virtual account opening request unit 112, a virtual account manager 114, and an accounting request unit 116.
  • a first station virtual account can be set for a station user.
  • the virtual account opening request unit 112 may transmit a request for opening a second station virtual account for the first station user to the second station bank server 150.
  • the first country virtual account and the second country virtual account can be opened by online application, respectively, and the identity verification process can be performed to complete the subscription.
  • the first country virtual account and the second country virtual account are each prepaid accounts.
  • the amount of the remittance may be transferred via internet banking, visiting a store, or using a bank channel such as an ATM (Automatic Teller's Machine). If you pay in advance, it can be charged to each virtual account through the parent account.
  • a limit on the amount of money that can be input into the first station virtual account and the second station virtual account may be predetermined.
  • the first station virtual account manager 114 of the first station bank server 110 may set the first station virtual account to the first station user based on the mother account set for the first station platform provider server 130.
  • the first station virtual account manager 114 may manage information about a first account virtual account and a parent account of the first station virtual account, a user of a first station who is the account holder of each account, and a platform operator of the first station.
  • the accounting request unit 116 of the first country bank server 110 may process the accounting service based on the financial service use request of the user of the first country received through the application. In addition, the accounting request unit 116 may forward the request of the first country user to the second country bank server when the first country user requests a financial service based on the second country account. For example, when a currency exchange request is read from a first country call to a second country call from a chat message of a first country user input through an application, the accounting request unit of the first country bank server 110 ( 116 transmits a currency exchange request to the second country bank server 150 so that the currency exchange amount of the second country currency exchanged from the first country currency principal deposited in the first country virtual account is deposited into the second country virtual account. You can request
  • the second station bank server 150 may include a virtual account opening request receiving unit 152, a second station virtual account managing unit 154, and an accounting processing unit 156.
  • the virtual account establishment request receiving unit 152 of the second station bank server 150 when the user of the first station subscribes to the financial service using the first station application, receives the first station from the first station bank server 150. A request to open a second station virtual account for a user may be received.
  • the second station virtual account manager 154 of the second station bank server 150 may set a second station virtual account for the first station user based on the mother account set for the second station platform operator server 170. Accordingly, the second station virtual account manager 154 may manage information about the second station virtual account, the parent account, the first station user who is the account holder of each account, and the second station platform operator.
  • the accounting processing unit 156 of the second station bank server 150 may receive a financial transaction request read from the chat message of the first station user input to the first station application from the first station bank server 110. have. For example, when the exchange request for exchanging the first country currency into the second country currency is read from the chat message by the first country platform operator server 130, the accounting processing unit. 156 receives the exchange request from the bank server 110 of the first country, and the currency exchange amount of the second country currency exchanged from the first country currency principal deposited in the first country virtual account is deposited into the second country virtual account. Can be processed.
  • the second station platform operator server 170 may include a customer information database 172.
  • the second station platform operator server 170 receives the customer information for the user of the first station who has subscribed to the global financial service through the first station application from the first station platform operator server 130 and receives the customer information database 172. ) Can be stored.
  • the global financial service through the first country application may include a currency exchange service, a bank transfer service, a first country merchant payment service, a second country merchant payment service, and the like.
  • the exchange service from the first country currency to the second country currency may be included.
  • the exchange service from the first country currency to the third country currency such as a DF (Deliverable Forward) call may be included.
  • the subscription application processing unit 132 of the first station platform operator server 130 may process a subscription request for a financial service using a first station application received from a first station user of the first station application. have.
  • the first country bank server 110 and the second country platform operator server 170 may provide the customer information for the first country user. Can be transmitted.
  • step 213 the subscription application processing unit 132 of the first station platform operator server 130 sends the first station platform operator server 130 to the virtual account establishment request unit 112 of the first station bank server 110.
  • the opening request of the first station virtual account may be transmitted to the first station user based on the mother account set for.
  • the subscription application processing unit 132 requests a user of a first country user to request a virtual account establishment request unit 112 of the first country bank server 110 together with a request for opening a second station virtual account for a first country user. Information can be sent.
  • the first country bank server 110 When the user of the first country pays the prepaid amount to the first country platform operator server 130 in advance to use the financial service, the first country bank server 110 returns to the mother account of the first country platform operator server 130. Deposit the prepaid amount and transfer the prepaid amount to the virtual account of the first country.
  • step 215 the message reading unit 134 of the first station platform operator server 130, from the chat message of the first station user input through the first station application, the first station deposited in the first station virtual account.
  • the exchange request for converting the currency principal into the currency of the second country can be read.
  • the message reading unit 134 may read the exchange request amount together with the exchange request from the chat message.
  • the accounting request unit 136 of the first station platform operator server 130 may transmit a currency exchange request to the accounting request unit 116 of the first station bank server 110.
  • Information about the exchange request and the exchange request amount read in step 215 may be transmitted to the first station bank server 11.
  • step 233 the virtual account opening request unit 112 of the first station bank server 110, based on the request of the first station platform operator server 130 in step 213, the global finance through the first station application
  • a first station virtual account may be set for a first station user who has subscribed to the service.
  • the virtual account opening request unit 112 may transmit a request for opening a second station virtual account for the user of the first station to the account opening request receiving unit 152 of the second station bank server 150.
  • the virtual account opening request unit 112 of the first station bank server 110 transmits a virtual account opening request to the account opening request receiving unit 152 of the second station bank server 150, the received first station user is received. You can also send customer information about.
  • the first station virtual account manager 114 stores information about the user of the first station, information about the first station virtual account opened for the user of the first station, and information about the parent account of the first station virtual account. Can be stored in the management.
  • the accounting request unit 116 of the first station bank server 110 may be configured as the second station bank server 150.
  • the exchange request processing unit 156 may transmit a currency exchange request.
  • the accounting requesting unit 116 of the first station banking server 110 transmits to the accounting processing unit 156 of the seconding station banking server 150 from the first station currency principal deposited in the first station virtual account in real time.
  • the deposit processing may be requested so that the exchanged second country currency is transferred to the second country virtual account.
  • the first country bank server 110, the second full currency exchange request information including information on the exchange request amount according to the exchange request transmitted from the accounting request unit 136 of the platform operator server 130, the second The accounting processing unit 156 of the national bank server 150 may be transmitted.
  • the account opening request receiver 152 of the second station bank server 150 may receive a virtual account opening request transmitted from the first station bank server 110 in step 237. That is, the account opening request receiving unit 152 of the second country bank server 150 enables the accounting service in the second country as the user of the first country joins the global financial service through the first country application. The station user may be asked to open a second station virtual account.
  • the processing unit 156 may receive a transaction message including information on a currency exchange request amount and a deposit request from the first country bank server 110.
  • the accounting request unit 116 of the bank server 110 of the first country in response to the exchange request, exchanges the currency of the second country by applying the exchange rate of the first country to the exchange request amount of the first currency in real time.
  • the accounting request unit 116 may request the accounting processing unit 156 of the second country bank server 150 to transfer the money exchange amount, which is the currency of the second country, and process the deposit into the virtual account of the second country.
  • the first country bank server 110 may receive a money exchange fee from the money transfer money and transfer the remaining money exchange money to the second country bank server 150.
  • the accounting request unit 116 of the first country bank server 110 transmits the exchange request to the accounting processing unit 156 of the second country bank server 150 in real time as the exchange request is received.
  • the money transfer request deposited in the virtual account of the first country may be transferred to the virtual account of the second station of the second bank server 150.
  • the accounting processing unit 156 of the second country bank server 150 exchanges the second country currency by applying the second country exchange rate at the time of the exchange request to the currency request request that is the currency of the first country, and the virtual account of the second country. You can process the deposit with.
  • the second country bank server 150 may receive a currency exchange fee from the money exchange money and process the deposit money remaining in the second country virtual account.
  • first country bank server 110 and the second country bank server 150 may exchange the first country's currency principal to the second country currency by selectively applying the exchange rate more favorable to the consumer.
  • the accounting request unit 116 of the first country bank server 110 transmits a currency exchange request to the accounting processing unit 156 of the second station bank server 150 and deposits a deposit in the first country virtual account.
  • the currency of one country may be transferred to the virtual account of the second country.
  • the accounting processing unit 156 of the second country bank server 150 converts the foreign currency into the second country's currency by applying the second country's exchange rate to the first country's currency principal deposited in the second country's virtual account, and converts the exchange amount. The transfer can be made to the virtual account of the second station.
  • the first country in which the accounting request unit 116 of the first country bank server 110 is deposited in the first country virtual account After converting the currency to the currency of the second country by applying the exchange rate of the first country, and depositing the currency exchange amount of the second country currency into the virtual account of the second country to the accounting processing unit 156 of the bank server 150 of the second country. You can ask.
  • a user of a first country may be provided with a financial service using an account in a second country on the basis of the foreign currency exchange amount deposited in the second country virtual account.
  • the bank server handling the exchange may impose a predetermined exchange fee on the user of the first country. For example, the amount reduced by the exchange fee from the exchange rate that applied the exchange rate to the principal may be provided to the user of the first country as the exchange amount.
  • exchange rate as well as exchange rate, since the exchange request received using the online application, a relatively lower exchange fee than the offline exchange request can be determined.
  • the accounting processing unit 156 of the second station bank server 150 receives an accounting request for a virtual account of the second station from a user of the first station through an offline route or an online route in the second station. can do.
  • the accounting processing unit 156 may be configured to include customer information of a first station user registered in at least one of the first station platform operator server 130, the first station bank server 110, and the second station platform operator server 170. Self-authentication can be performed based on this. When the identity verification is completed, the accounting processing unit 156 may process the accounting request based on the exchange amount of the currency of the second country deposited in the second country virtual account.
  • the second station platform operator server 170 may receive the member registration information or customer information for the user of the first country.
  • the received membership information or customer information may be stored in the customer information database 172 of the second country platform operator server 170.
  • the re-exchange service from the second station call to the first station call for the first station user is also possible.
  • the first station platform operator server 130 converts the balance of the second station currency deposited in the second station virtual account into the first station currency from the chat message of the first station user input through the first station application. It is possible to read the re-exchange request.
  • the first country platform operator server 130 transmits a re-exchange request of the first country user to the first country bank server 110, and the first country bank server 110 returns to the second country bank server 150. You can forward a currency exchange request.
  • the first station platform operator server 130 may transmit a re-exchange request of the first station user directly to the second station bank server 130.
  • the second country bank server 130 receives the request for re-exchange, transfers the balance of the second country virtual account to the first country virtual account and transfers the transfer amount of the second country currency to the first country bank server 110. You may request to reconvert to your first currency.
  • the first country bank server 110 converts the foreign currency into the first country currency by applying the first country exchange rate to the balance of the second virtual account deposited into the first country virtual account, and converts the converted amount into the first country virtual account. You can make a deposit at.
  • the first station platform provider server 130 has been described in the above example of providing a financial service capable of accounting services in the first and second stations through the application for the user of the first station.
  • FIGS. 1 and 2 only exemplify a case where only the first station platform provider server 130 provides a financial service using the first station application.
  • the second station platform operator server 170 may also provide a financial service using a second station application for a second station user who subscribes to a second station application that is directly operated. Accordingly, in the first country, the first station platform operator server 170 provides global financial services that enable accounting in the first and second countries for the users of the first country, while simultaneously providing the second in the second country.
  • the station platform provider server 130 may provide a global financial service that enables accounting services in the second station and the first station for users of the second station.
  • FIG. 3 illustrates an interface screen 380 in which a message for requesting currency exchange by a user through an application is input.
  • chat messages or other characters are written in Korean, but the first country is not necessarily limited to 'Korea'.
  • the interface screen 380 corresponds to a chat window of a messenger program, which is a first station application operated by the first station platform operator server 130.
  • 'Hong Gil-dong' is a member of the messenger program as a user of a first country, and is a member who is effectively subscribed to the real-time currency exchange service provided by the messenger program.
  • the first country platform operator server 130 may perform identity verification for the access attempt. If the authentication is successful, a guide message 385 may be displayed on the interface screen 380 indicating that the real time exchange service is effectively accessed.
  • the first country platform operator server 130 may include a message database that contains information on chat messages for requesting financial services.
  • the first country platform operator server 130 may compare all chat messages input by 'Hong Gil Dong' with a message database to determine whether the current chat message was a message for requesting a financial service.
  • Input messages contained in the message database that can be interpreted as chat messages for requesting financial services are not restricted in the form of consonants, vowels, words, phrases, phrases and sentences.
  • the message reader 134 may The input message 390 may be determined as a currency exchange request message.
  • an input message contained in a message database and interpretable as a chat message for requesting a financial service is not necessarily a completed character or a character having a valid meaning. For example, it does not have to be a meaningful letter.
  • both the initial and the neutral are not necessarily provided. It may also be a letter consisting of consonants or vowels only.
  • an input message contained in a message database and interpretable as a chat message for requesting a financial service is not limited to a text message.
  • Messages of various formats, such as emoticons, voice / sound messages, images, and video, may be used as chat messages for requesting financial services.
  • the message reading unit 134 of the first station platform operator server 130 may also read the exchange target currency and the exchange request amount from the input message 390.
  • the message database data on an input message which can be interpreted as a currency to be exchanged and a currency exchange request amount may be included.
  • the first station bank server 110 When the message reading unit 134 of the first station platform operator server 130 reads the financial service request intention from the input message 390 of the first station user based on the message database, the first station bank server 110 Transfer the exchange request of the user of the first country, the first bank server 110 may communicate with the second bank server 120 to process a currency exchange.
  • the amount deposited in a Japanese account or a Korean account may be cash in yen and won.
  • the amount deposited in the Japanese virtual account or the Korean virtual account may be cyber money.
  • the present invention is not limited to an online-only currency used like real money when doing online banking or shopping online. If the authentication of the Japanese virtual account or the Korean virtual account is successful in the offline branch office or the automated device of the first bank server 110 or the second bank server 150, the actual money may be withdrawn. In addition, it may be possible to make a credit settlement based on a Japanese virtual account or a Korean virtual account at an offline affiliated store that has a cooperative relationship with a first country platform operator.
  • the terminal on which the communication application is installed may determine whether the chat message input through the application includes a message for requesting a financial service.
  • the terminal may be provided with a message database, and the message input for the financial service request may be read while comparing the message input through the application with the message contained in the message database.
  • the terminal may read the financial service request from the chat message and transmit it to the first station platform operator server 130.
  • a currency exchange service which is a sub-service of Japanese mobile service, may be provided to a Japanese customer who subscribes to a mobile service using a terminal.
  • the process provided is detailed.
  • the first country is 'Japan' and the second country is 'Korea'.
  • FIG. 4A illustrates a process in which a Japanese customer of an application provided by a Japanese platform operator subscribes to a global financial service, according to an embodiment.
  • the first country platform operator server 130 of Japan may provide a Japanese mobile service, and the Japanese mobile service may include a 'financial service' as a sub service.
  • financial services of mobile services are referred to as 'communication financial services'.
  • the first country platform operator server 130 may receive a subscription request for 'financial service' from the terminal 300 of a Japanese customer. Accordingly, the first country platform operator server 130 may process the subscription request for the financial service and transmit the subscription completion details to the terminal 300 of the Japanese customer.
  • the Japanese first country platform operator server 130 may transmit the customer information and the facts about the Japanese customer who subscribed to the financial service using the application to the second country platform operator server 170 of Korea. have.
  • the first country platform operator server 130 may manage information on customers who have subscribed to a communication financial service using an application.
  • the first country platform operator server 130 may transmit the financial service subscription completion information of the Japanese customer to the first country bank server 110 of Japan.
  • the first country platform operator server 130 may transmit the subscription customer information including the ID of the Japanese customer to the first country bank server 110 and request an account opening for the Japanese customer.
  • the first country bank server 110 opens a Japanese virtual account for the Japanese customer based on the mother account set for the first country platform operator server 130, and provides the first user with the Japanese virtual account. You can set permissions.
  • the first country bank server 110 may notify the first country platform operator server 130 that the virtual account of the Japanese customer is permitted. As a result, the Japanese customer can prepay a predetermined amount in the Japanese virtual account. Prepaid charges may also be deposited within the maximum limit.
  • Communication financial services may include exchange services between the yen and the won.
  • the first country bank server 110 may open a Japanese virtual account for a Japanese customer, and request the second country bank server 150 in Korea to open a Korean virtual account for a Japanese customer.
  • the second bank server 150 of Korea may open a virtual account in Korea for Japanese customers who have subscribed to the communication financial services.
  • the Korean virtual account opened by the bank server 150 of the second country of Korea may be set to a Japanese customer based on the Korean mother account set for the platform service server 170 of the second country of Korea.
  • 4B illustrates a process for a Japanese customer to exchange yen into Japanese currency through an application, according to one embodiment.
  • Communication financial services may include 'changing money' services.
  • the first country platform operator server 130 of Japan may receive a request for using the 'changing money' service from the terminal 300 of the Japanese customer.
  • the first country platform operator server 130 may read the exchange request to the Korean currency from the chat message input through the application of the Japanese customer, and determine the exchange request currency and the exchange request amount.
  • the terminal 300 of the Japanese customer may receive selection information indicating that the menu 'changing' is selected from various menus provided in the application interface.
  • the first country platform operator server 130 Based on the exchange request received from the terminal 300 of the Japanese customer, the first country platform operator server 130 exchanges the foreign exchange request, the currency exchange and the exchange request amount of the Japanese customer to the Japanese first country bank server 110. You can send a full currency exchange request.
  • Two embodiments may be exchanged at the first bank server 110 or exchanged at the second bank server 150.
  • the first country bank server 110 may exchange money into the won by applying the exchange rate at the time of the exchange request to the exchange request amount deposited in the Japanese virtual account.
  • the money exchange request amount is preferably within the amount deposited in the Japanese virtual account.
  • the first country bank server 110 may request a transfer of the exchanged won from a Japanese virtual account to a Korean virtual account.
  • the first country bank server 110 may transmit a currency exchange request to the second country bank server 150 of Korea to exchange money for a predetermined amount charged in a Japanese virtual account of a Japanese customer.
  • the first country bank server 110 may transfer the money transfer request amount of the Japanese currency deposited in the Japanese virtual account to the Korean virtual account.
  • the second country bank server 150 may convert the Japanese currency into the Korean currency by applying the exchange rate at the time of the exchange request to the Japanese currency transferred to the Korean virtual account.
  • the exchange rate may be determined at an exchange rate in the country to be exchanged or at an exchange rate favorable to the customer.
  • the second country bank server 150 may maintain a currency exchange amount in Korean Won in the Korean virtual account.
  • the second country bank server 150 may request a predetermined identity verification from the requester. If it is confirmed through the user authentication that the Japanese customer subscribed to the financial service using the application of the first country platform operator server 130, the second country bank server 150 withdraws the withdrawal request through the automated device from the Korean virtual account. Can be handled.
  • the application may be used to exchange the Korean currency into the Korean currency if the user requests to exchange the Japanese currency in Japanese currency.
  • a Japanese customer may receive a withdrawal service of a Korean currency from a Korean virtual account through authentication of an automated device or a branch of a bank server 150 of a second country in Korea.
  • the transfer of the exchange amount is requested between the Japanese virtual account and the Korean virtual account, there may be a certain processing period without the transfer of the exchange amount to the target account immediately. In this case, the amount of money exchanged by using the 'search' function of the application may be confirmed.
  • a virtual account is set for each Japanese customer in the first and second bank servers 110 and 150.
  • a currency exchange may be determined only after a currency exchange request is received. Therefore, when a Japanese customer joins a financial service, a virtual account is set up for the Japanese customer only in the bank server 110 of the first country, and when the exchange request is received later, the bank of the first country 110 corresponds to the currency of the currency.
  • the second country bank server 150 may be requested to open a second account virtual account.
  • 4C illustrates a process for a Japanese customer to exchange Korean won to Japanese yen via an application, according to one embodiment.
  • Communication financial services may include 're-exchange' services.
  • the first country platform operator server 130 of Japan may receive a request for using the 're-changing money' service from the terminal 300 of the Japanese customer.
  • the first country platform operator server 130 may read a request for reconversion of the won balance from a chat message input through an application of a Japanese customer.
  • the message included in the message database may be compared with the input message to determine that the message is for re-exchange request.
  • the terminal 300 of the Japanese customer may receive selection information indicating that the 're-changing' menu is selected from various menus provided in the application interface.
  • the second-country bank server 150 applies the exchange rate at the time of the re-exchange request to the Korean virtual account to the yen. You can exchange money. The exchanged amount can be transferred from Korean virtual account to Japanese virtual account.
  • the second country bank server 150 may request the Japanese first country bank server 110 to exchange currency for the won remaining in the Korean virtual account of the Japanese customer.
  • the second country bank server 150 transfers the won balance of the Korean virtual account to the Japanese virtual account, and requests the first country bank server 110 to exchange the yen for the exchange rate by applying the exchange rate to the transfer amount at the time of the re-exchange request. have.
  • the exchange rate may be determined at an exchange rate in the country to be exchanged or at an exchange rate favorable to the customer.
  • step 370 the Japanese currency re-exchange amount may be accumulated in the Japanese virtual account of the first country bank server 110 again.
  • the Japanese won which is not fully used by Korean customers, is exchanged into yen and recharged into Japanese virtual accounts, so that Japanese customers can be provided with accounting services based on Japanese virtual accounts after returning to Japan.
  • the first country is not limited to a specific country.
  • Communication financial services may include 'transition between members' services. Through the 'member to person transfer' service, funds can be transferred between members' virtual accounts.
  • the first station platform operator server 130 may receive a request for using the 'inter-member transfer' service from the customer 1 terminal 400.
  • the first country platform operator server 130 may interpret the chat message input through the application of the customer 1 and determine the member identification information such as the ID or name of the member who is the recipient of the transfer amount and the transfer amount.
  • the message included in the message database may be compared with the input message, and it may be determined that the message is a request for transfer between members.
  • the member DB and the input message can be compared to determine the target member of the transfer amount.
  • the first country platform operator server 130 may receive a request for the customer 1 to transfer the predetermined amount to the customer 2 in step 400.
  • the first country platform operator server 130 may transmit a transfer request between members of the customer 1 to the first country bank server 110.
  • the transfer request amount may be withdrawn from the deposit amount of the virtual account of the customer 1 through the virtual account platform of the first country bank server 110 to set the transfer reservation to the virtual account of the customer 2.
  • the transfer information is transmitted to the customer 2 terminal 450 through the first country bank server 110, and the first country platform operator server 130 receives the customer 2 terminal through the 'receive gifts' service of the mobile service.
  • Gift arrival notification information may be transmitted to the 450.
  • the first country platform operator server 130 may activate the chat window with the customer 2 through the mobile service, and send a chat message to the customer 2, " Customer 1 has sent the money as a gift. " Accordingly, when receiving input from the customer 2 to accept the gift of the customer 1 for the gift receiving service, the bank server 110 of the first country transfers the transfer request amount of the customer 1 previously reserved for transfer into the virtual account of the customer 2. You can transfer it.
  • FIG. 6 shows a process for a member of an application to purchase content through the application, according to another embodiment.
  • the affiliate server 550 may purchase and sell content through a communication financial service operated by the first country platform operator server 130.
  • the affiliate server 550 may provide product introduction information on the content in the mobile service.
  • Communication financial services may include a 'shopping' service.
  • a 'shopping' service Through the 'Shopping' service, online content such as emoticons and gift cones can be sold.
  • the first country platform operator server 130 receives a selection input for the 'shopping' service from among the communication financial services from the customer 1 device 500
  • the first country platform operator server 130 receives product introduction information of the A shopping company that is a member of the financial services. Obtained from the merchant server 520 may be transmitted to the customer1 device 500.
  • the application of the customer1 device 500 may display the received product introduction information.
  • the first country platform operator server 130 when a selection input for a 'shopping' service is received from the customer 1 device 500, the first country platform operator server 130 sends the product introduction information to the merchant server 520 to the customer 1 device 500. You can request to send.
  • the customer 1 device 500 may call the mobile service payment module.
  • the payment request for the purchased product from the customer 1 device 500 may be transmitted to the first country platform operator server 130. Can be.
  • the virtual account platform of the first station bank server 110 is determined.
  • the payment request of the customer 1 may be approved based on the deposit deposited in the customer's virtual account. Accordingly, the first country bank server 110 may transfer the payment amount from the deposit of the virtual account to the account set to the merchant server 550 and settle the payment amount.
  • an offline merchant may be able to make a credit payment.
  • the first station of the first station bank server 110 set to the customer 1 that is a member of the first station platform operator server 130 through an alliance between the credit card company server and the first station platform operator server 130. You can link your virtual account to your prepaid card. Accordingly, if the customer 1 requests a payment from an offline affiliated store using a prepaid card, the payment amount may be settled from the charge amount deposited in the virtual account of the first country.
  • Figure 7 shows, in another embodiment, a process for a member of an application to make a payment at a domestic merchant using a prepaid card issued in another country.
  • 'first country' is Japan
  • 'second country' is Korea.
  • the first country platform operator server 130 may be affiliated with an offline merchant in a second country so that a Japanese customer of a communication financial service operated by the first country platform provider server 130 may settle a purchase price of the product at the second country merchant.
  • Providing prepaid card services to enable To this end a domestic prepaid card is issued to a Japanese customer, and a payment is made using a domestic prepaid card issued to a Japanese customer at a domestic offline merchant, so that the first country platform operator server 130 and the first country bank server 110 are processed.
  • Collaborative networking is required between the second station bank server 150, the second station platform operator server 170, the credit card company server 630, the affiliate server 660.
  • a Japanese virtual account and a Korean virtual account may be set for a Japanese customer who has subscribed to a communication financial service operated by the first country platform operator server 130. Deposits deposited in Japanese virtual accounts can be converted into Korean won and transferred to Korean virtual accounts.
  • the Japanese customer may apply for and receive a prepaid card at the domestic bank branch 640 that is connectable with a domestic virtual account assigned to the Japanese customer for communication financial services.
  • the prepaid card is a card similar to a check card, and the payment using the prepaid card can be authorized within the estimated amount of the account linked to the prepaid card.
  • Prepaid cards are produced by credit card companies but can be issued at bank branches. Based on the affiliate contract with the credit card company and offline merchants in Korea, the credit card company server 630 may be provided with a database of domestic merchants that can use the prepaid card.
  • the Japanese customer can start using the prepaid card by registering the issuance of the prepaid card to the communication financial service through the customer terminal 600.
  • the communication financial service may include a 'register card' service.
  • the customer terminal 600 may obtain card identification information such as a card number or an identification code of a prepaid card issued through a 'register card' menu of an application for a communication financial service.
  • the card identification information of the prepaid card input to the customer terminal 600 may be transferred to the second station bank server 150 through the first station platform operator server 130 and the first station bank server 110.
  • the card identification information of another country input through the 'register card' menu may be directly transmitted to the second station bank server 150 through the customer terminal 600.
  • the second country bank server 150 may link the card identification information or the card number of the prepaid card to the Korean virtual account.
  • a Japanese customer may request a payment of a product using a prepaid card at a Korean offline affiliated store 650.
  • Payment request using a prepaid card may be available at all merchants listed in the merchant database of the credit card company server 630. Therefore, the credit card company server 630 transfers the payment amount of the Japanese customer using the prepaid card to the Korean offline affiliated store 650, so that the prepaid card payment amount can be settled between the credit card company server 630 and the offline affiliated store 650.
  • the credit card company server 630 may request the payment of the payment amount using the prepaid card of the Japanese customer to the bank server 620 of the second country.
  • the second country bank server 620 may be settled by transferring to the account of the credit card company server 630 as much as the settlement request amount from the charge of the Korean virtual account set to the Japanese customer.
  • a partnership between a second country platform operator and an affiliate may be entered into to provide benefits to customers using prepaid cards.
  • the affiliate benefits may include a discount coupon of a department store, a discount coupon of a purchase amount, a prize benefit such as a preferential coupon, or an accumulated benefit of affiliate points.
  • the affiliate server 660 may include a benefit database that stores information on affiliate benefits available to Japanese customers who have registered a prepaid card. Therefore, when a payment request using a prepaid card occurs in the Korean offline affiliated store 650, the affiliate server 660 may be called to search for the affiliate benefits applicable to the current prepaid card. If there is a searched affiliate benefits, the discount amount may be applied or various benefits may be applied in the offline merchant 650 in Korea.
  • a member of a communication application of a first station may be provided with a financial service in a second station using the application.
  • Members of the communication application may be provided with an accounting service by using a chat message input to the communication application without having to open an account directly in the first and second countries.
  • Financial services that can be provided include not only currency exchange services between first and second currency, but also transfer of funds between members, payment services at online / offline merchants in the first country, and second at offline merchants in the second country.
  • payment service using a prepaid check card has been proposed, it should be noted that the technical idea of the present invention is not limited thereto.
  • any flow chart, flow chart, state diagram, pseudocode, etc. may be substantially represented on a computer readable medium, such that the computer or processor may be executed by such a computer or processor whether or not it is explicitly shown. It will be appreciated by those skilled in the art to represent the process. Therefore, the above-described embodiments of the present invention can be written as a program that can be executed in a computer, and can be implemented in a general-purpose digital computer which operates the program using a computer-readable recording medium.
  • the computer-readable recording medium may include a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).
  • a storage medium such as a magnetic storage medium (eg, a ROM, a floppy disk, a hard disk, etc.) and an optical reading medium (eg, a CD-ROM, a DVD, etc.).
  • DSP digital signal processor
  • an element represented as a means for performing a specific function encompasses any way of performing a specific function, and the element may be a combination of circuit elements performing a specific function, or performing a specific function. It may include any form of software, including firmware, microcode, etc., coupled with suitable circuitry to carry out the software for.
  • the expression 'at least one of' means only the selection of the first option (A), or only the selection of the second listed option (B), or both. It is used to cover the selection of options (A and B).
  • the expression 'at least one of' means only the selection of the first option (A), or only the selection of the second listed option (B), or both. It is used to cover the selection of options (A and B).
  • only the selection of the first listed option (A), or the selection of the second listed option (B), or the third listed option (C ) Only the selection of the first and second listed options (A and B), only the selection of the second and third listed options (B and C), or the selection of all three options ( A, B, and C) may be encompassed. Even if more items are enumerated, it may be obviously extended to those skilled in the art.

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Abstract

La présente invention concerne un procédé destiné à fournir des services bancaires en ligne entre des pays à l'aide d'une application installée dans un dispositif mobile ou dans un ordinateur, ainsi qu'un dispositif associé. Un procédé selon lequel un serveur de banque fournit des services financiers à un utilisateur international qui a été enregistré dans un serveur de fournisseur de plateforme, selon la présente invention, reçoit, par un serveur de banque d'un second pays, une demande visant à ouvrir un compte virtuel dans un second pays pour un utilisateur du premier pays à partir d'un serveur de banque du premier pays, un compte virtuel de premier pays étant créé dans le serveur de banque de premier pays pour l'utilisateur de premier pays qui utilise une application de communication fournie par un serveur de fournisseur de plateforme de premier pays et transfère, par le serveur de banque de second pays, sur le compte virtuel de second pays, de l'argent d'une devise de second pays qui est changé à partir du montant original d'argent d'une devise de premier pays versé sur le compte virtuel de premier pays, lorsqu'une demande de change d'argent est lue à partir d'un message de dialogue en ligne de l'utilisateur de premier pays entré à l'aide de l'application.
PCT/KR2013/012393 2013-12-30 2013-12-30 Procédé destiné à fournir des services financiers internationaux à l'aide d'application de communication et serveur de banque associé WO2015102122A1 (fr)

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KR20060093196A (ko) * 2005-02-21 2006-08-24 주식회사 비즈모델라인 모바일 환전신청방법 및 시스템과 이를 위한 모바일 환전처리 서버 및 무선단말기와 기록매체
KR20120098978A (ko) * 2012-06-29 2012-09-06 김재현 국가별 금융사 식별 번호를 이용하는 국제 선불 카드의 결제 시스템 및 국제 선불 카드의 결제 방법

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CN107204957A (zh) * 2016-03-16 2017-09-26 阿里巴巴集团控股有限公司 一种账号绑定和业务处理的方法及装置
US11107073B2 (en) 2016-03-16 2021-08-31 Advanced New Technologies Co., Ltd. Method and device for linking to account and providing service process
US11120433B2 (en) 2016-03-16 2021-09-14 Advanced New Technologies Co., Ltd. Method and device for linking to account and providing service process
WO2019160344A1 (fr) * 2018-02-14 2019-08-22 주식회사 페이게이트 Système d'envoi et de réception de fonds à l'étranger utilisant des comptes non résidents intégrés et procédé d'envoi et de réception de fonds à l'étranger utilisant celui-ci
CN113313600A (zh) * 2020-02-26 2021-08-27 京东数字科技控股股份有限公司 消息的处理方法、装置及系统、存储介质、电子装置
CN113313600B (zh) * 2020-02-26 2024-05-17 京东科技控股股份有限公司 消息的处理方法、装置及系统、存储介质、电子装置

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