WO2022231276A1

WO2022231276A1 - Method for automatic account generation, remittance/transfer, and collection by using bank agent

Info

Publication number: WO2022231276A1
Application number: PCT/KR2022/005958
Authority: WO
Inventors: 박경양
Original assignee: 주식회사 하렉스인포텍
Priority date: 2021-04-28
Filing date: 2022-04-26
Publication date: 2022-11-03

Abstract

The present invention relates to a method for automatic account generation, remittance/transfer, and collection by using a bank agent. The method for automatic account generation, remittance/transfer, and collection by using a bank agent, according to an embodiment of the present invention, comprises the steps of: (a) receiving a phone number of a remitter to receive a deposit request; (b) identifying whether an account exists or not on the basis of the phone number of the remitter; (c) generating a new account number by using the phone number of the remitter and requesting information registration; and (d) receiving a response for the information registration request from a terminal of the remitter.

Description

Automatic account creation and remittance transfer and collection method using a bank agent

The present invention relates to an automatic account creation, remittance transfer, and collection method using a bank agent.

In developing countries, Un-Banked (classes who cannot use various financial services because they do not have a bank account), Under-Banked (Online banking such as transfers, cash withdrawals, etc., online banking, loans, insurance, etc. It is difficult for most of the population to use financial services such as banking).

A user creates an account at a commercial bank and can use financial services such as deposits and withdrawals through the account. The user can receive financial services through a cashier at a branch of a customer bank, or use automated automated teller machine (ATM) services outside of business hours or on holidays. Teller Machine) can be used to provide financial services such as cash payment, cash deposit, and account transfer processing.

However, when there are no commercial banks or ATMs around the user, there is a problem in that it is impossible to open an account, transfer money, withdraw cash, and the like.

The present invention has been proposed to solve the above problems, and as long as the sender and the receiver have a mobile phone in an open state, they visit a bank agent located near the sender or use the visiting service of the bank agent, The purpose is to provide a method for automatic account creation, remittance transfer, and collection using a bank agent that automatically creates and supports remittance/transfer services.

According to an embodiment of the present invention, a method for automatically creating an account, transferring money, and collecting money using a bank agent includes the steps of (a) receiving a sender's phone number and receiving a deposit request; (b) based on the sender's phone number Checking the existence of an account, (c) generating a new account number (temporary account number) using the sender's phone number, and requesting information registration; and (d) requesting information registration from the sender's terminal. receiving a response.

In step (a), the sender's phone number is received from the bank agent terminal.

In step (c), the information registration is requested by transmitting a message including the deposit request amount information and temporary password information.

In step (d), the response including name information and password reset information is received and registered in account information.

An automatic account creation method according to another embodiment of the present invention includes the steps of (1) receiving a remittance request including a phone number of a recipient; (2) checking whether an account exists based on the phone number of the recipient; (3) generating a new account number using the recipient's phone number and requesting information registration, and (4) receiving a response to the information registration request from the recipient's terminal.

In step (1), the receiver's phone number is received from the sender's terminal or bank agent terminal on which the money transfer program is installed.

In step (3), the information registration is requested by confirming the remittance request standard of a preset amount or more.

A method for automatically creating an account according to another embodiment of the present invention comprises the steps of (a) receiving the sender's phone number and remittance amount information from a bank agent terminal, and (b) generating new account information of the sender based on the sender's phone number. and transferring the remittance amount from the bank agent account to the sender's new account.

In step (b), a message including remittance amount information and temporary password information is transmitted to the sender's terminal, and response information including name information and password reset information is received to register the new account information. .

A method for automatically generating an account according to another embodiment of the present invention includes (c) receiving a phone number of a recipient, creating and registering new account information of the recipient based on the phone number of the recipient, and registering the new account of the sender The method further includes transferring the remittance amount from to the new account of the recipient.

According to the present invention, even when there is no bank branch in the vicinity, it is possible to visit a bank agent or use the bank agent's visiting service to automatically create an account using the mobile phone number information in the open state and use the remittance service. possible effect.

Effects of the present invention are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the following description.

1 illustrates a method for automatically generating an account according to an embodiment of the present invention.

2 shows an account automatic creation server according to an embodiment of the present invention.

The above and other objects, advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail in conjunction with the accompanying drawings.

However, the present invention is not limited to the embodiments disclosed below, but may be implemented in various different forms, and only the following embodiments are intended for those of ordinary skill in the art to which the present invention pertains. It is only provided to easily inform the composition and effect, and the scope of the present invention is defined by the description of the claims.

Meanwhile, the terminology used herein is for the purpose of describing the embodiments and is not intended to limit the present invention. In this specification, the singular also includes the plural, unless specifically stated otherwise in the phrase. As used herein, “comprises” and/or “comprising” means that a referenced component, step, operation, and/or element is the presence of one or more other components, steps, operations and/or elements. or added.

According to an embodiment of the present invention, the sender 100 without a bank account requests a money transfer to the receiver 400 through a bank agent, and the bank server 300 provides the sender 100 and the receiver 400 ) automatically issues a bank account based on your mobile phone number and provides a remittance service.

The sender 100 and the receiver 400 are those who have a mobile phone in an open state capable of making calls, and the bank agent is a subject who has received separate authorization from the bank in accordance with due process.

The sender 100 is a person who does not have a bank account. Hereinafter, in order to help those skilled in the art understand, it is assumed that the sender 100 wants to remit 10,000 won to the receiver 400 .

The sender 100 meets a bank agent by visiting a nearby bank agent or using a visit service provided by the bank agent.

The sender 100 requests a remittance from the bank agent, presents the sender 100's mobile phone number (010-1212-1234), and gives 100,000 won (if there is a remittance fee, for example, the remittance fee is 500 won) In this case, while giving 100,500 won), a deposit request is made (S101). As another example, when the sender 100 has installed a remittance program in his/her mobile phone and has a phone number-based bank account (010-1212-1234), he/she directly calls account information to a bank agent, or BLE, NFC It is also possible to transmit account information through short-distance communication using such as. As another example, the sender 100 does not request to open its own account, but transfers only the mobile phone number (010-3434-3456) of the receiver 400 and may request a transfer to the receiver 400 have. In this case, the bank agent may guide the sender 100 to open an account by notifying that the remittance fee is waived or reduced when opening an account.

Referring back to FIG. 1 , the bank agent terminal 200 runs a remittance program, accesses the bank server 300 , and remits 100,000 won from the bank agent's account to the sender's mobile phone number (010-1212-1234). to request

The bank server 300 checks whether a bank account number created with the sender's mobile phone number (010-1212-1234) exists, and if it does not exist, creates a new account number. If there is a bank account number based on the sender's mobile phone number, the bank server 300 transmits the account owner's identification information (eg, name information) to the bank agent terminal 200, and the bank agent 200 transmits the money. Check the person's identification information and request a remittance.

The bank server 300 transmits a message including the deposit amount and the temporary password to the terminal of the sender 100 .

For example, the message is "100,000 won was deposited from the OO bank agent terminal to the OO bank account number 010-1212-1234. The temporary password is 9876S. Be sure to reset the password."

The sender 100 checks the message, installs the remittance program on its own terminal, performs authentication with the temporary password 9876S, confirms the user's account, and requests information registration. At this time, when requesting information registration, the user's name and password reset information are included.

After completing the information registration in the bank server 300, the sender 100 requests a transfer to the receiver's mobile phone number (010-3434-3456) using the OO bank remittance program.

In step S110 , the bank server 300 checks whether account information of the recipient 400 exists using the recipient's mobile phone number. When the account information of the receiver 400 exists, the bank server 300 transfers the corresponding amount (100,000 won) from the sender's account to the receiver's account, and the terminal of the sender 100 and the receiver 400 Sends a remittance completion message to the terminal of When the account information of the receiver 400 does not exist, the bank server 300 generates account information based on the mobile phone number of the receiver 400, transmits a message to the receiver 400, and Account creation is completed according to information registration of 400 , transfer is executed from the account of the sender 100 to the account of the receiver 400 , and remittance is transferred to the terminals of the sender 100 and the receiver 400 . Send a completion message. The receiver 400 may check the remittance completion message and go to a nearby cash machine (cash machine using a mobile device) to withdraw cash. As another example, the receiver 400 may visit a nearby bank agent or use the bank agent's visit service to drive a withdrawal program to withdraw cash.

In order to prevent the sender from visiting the bank agent and recklessly requesting remittance for a small amount in spam and attempting to automatically create the recipient's account, the bank agent terminal 200 remits only when a remittance request of a specific standard amount or more is requested. The user's deposit request is transferred to the bank server 300 .

If the recipient does not have an account, the recipient who decides to receive a specific amount from the sender through bank A can access the server of bank A and create his or her own account in advance. Proceed with the procedure so that the recipient's account opening and registration procedure is carried out only when a remittance request is made by entering the recipient's mobile phone number (that is, when it is confirmed that the sender is actually requesting a remittance by meeting a bank agent and paying a specific amount) Alternatively, it is possible to pre-authorize the reception of the procedure guide (information registration request message).

Assume that the bank agent is in charge of the agent of bank A, bank B, and bank C. When a sender who does not have an account requests a remittance, the bank agent may provide recommended bank information in consideration of the interest rate preference, exemption or reduction of remittance fee due to opening a new account. Through this, banks A, B, and C can provide various benefit information to motivate them to create a new account. In addition, the bank agent may provide a Local Based Service (LBS) by using base station information of a telecommunication company. In addition to the above-described example, the bank agent additionally receives the receiver's mobile phone number from the sender and, if pre-approved for sharing the receiver's location information, identifies the location information using the receiver's mobile phone number. Alternatively, a message may be sent to the receiver to inform the sender's request for remittance, as well as the type of bank that can open an account and information on benefits. For example, if it is confirmed that the recipient lives in a remote place, there are no agents or cash machines of Bank A and Bank C around the recipient, and only an agent of Bank B exists, the bank agent sends a new account through the server of Bank B (At this time, a new account of the sender is created at bank A in consideration of the above-mentioned benefit information, etc., a new account of the recipient is created at bank B using the location information of the recipient, and remittance of bank A It is possible to transfer money from the child's account to the beneficiary's account in Bank B).

The automatic account creation server according to an embodiment of the present invention includes a deposit request receiving unit 310 that receives a deposit request including the sender's mobile phone number information from a bank agent terminal, and the sender's account number based on the sender's mobile phone number information. The account confirmation and creation unit 320 that checks whether or not there is an account and generates a new account number if it does not exist, the information registration unit 330 that receives an information registration request from the sender terminal and registers account information, and the sender and a remittance execution unit 340 for executing remittance using the recipient's mobile phone number received from the terminal.

When the new account number is created, the account confirmation and generation unit 320 transmits a message including the deposit amount and the temporary password to the sender terminal, and receives an information registration request in response to the message.

The account checking and generating unit 320 checks whether the recipient's account number exists using the recipient's mobile phone number, and if it does not exist, creates a new account number of the recipient, and sends a message to the recipient's terminal to receive a response. is used to register information, and the remittance execution unit 340 transfers from the sender's account number to the recipient's account number.

Meanwhile, the automatic account creation method according to an embodiment of the present invention may be implemented in a computer system or recorded in a recording medium. The computer system may include at least one processor, a memory, a user input device, a data communication bus, a user output device, and storage. Each of the above-described components performs data communication through a data communication bus.

The computer system may further include a network interface coupled to the network. The processor may be a central processing unit (CPU) or a semiconductor device that processes instructions stored in a memory and/or storage.

The memory and storage may include various types of volatile or non-volatile storage media. For example, memory may include ROM and RAM.

Accordingly, the automatic account creation method according to an embodiment of the present invention may be implemented as a computer-executable method. When the automatic account creation method according to an embodiment of the present invention is performed in a computer device, computer readable instructions may perform the automatic account creation method according to the present invention.

On the other hand, the automatic account creation method according to the present invention described above may be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes any type of recording medium in which data that can be read by a computer system is stored. For example, there may be a read only memory (ROM), a random access memory (RAM), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, and the like. In addition, the computer-readable recording medium may be distributed in computer systems connected through a computer communication network, and stored and executed as readable codes in a distributed manner.

A method for automatically creating an account according to an embodiment of the present invention comprises the steps of: (a) receiving a sender's phone number and receiving a deposit request; (b) checking whether an account exists based on the sender's phone number; (c) generating a new account number using the sender's phone number and requesting information registration; and (d) receiving a response to the information registration request from the sender's terminal.

Claims

(a) receiving a transfer request by receiving the sender's phone number;

(b) checking whether an account exists based on the sender's phone number;

(c) generating a new account number using the sender's phone number and requesting information registration; and

(d) receiving a response to the information registration request from the sender's terminal

Automatic account creation and remittance transfer, collection method using a bank agent, including.
According to claim 1,

The step (a) is to receive the sender's phone number from the bank agent terminal.

Automatic account creation and remittance transfer and collection method using a bank agent.
According to claim 1,

The step (c) is to request the information registration by sending a message including the deposit request amount information and temporary password information

Automatic account creation and remittance transfer and collection method using a bank agent.
According to claim 1,

The step (d) is to register in account information by receiving the response including name information and password reset information

Automatic account creation and remittance transfer and collection method using a bank agent.
(1) receiving a remittance request including the recipient's phone number;

(2) checking whether an account exists based on the recipient's phone number;

(3) generating a new account number using the recipient's phone number and requesting information registration; and

(4) receiving a response to the information registration request from the receiver's terminal

Automatic account creation and remittance transfer, collection method using a bank agent, including.
According to claim 1,

Step (1) is to receive the recipient's phone number from the sender's terminal or bank agent terminal in which the remittance program is installed.

Automatic account creation and remittance transfer and collection method using a bank agent.
According to claim 1,

The step (3) is to request the information registration by confirming the remittance request standard of a preset amount or more

Automatic account creation and remittance transfer and collection method using a bank agent.
(a) receiving the sender's phone number and remittance amount information from the bank agent terminal; and

(b) generating new account information of the sender based on the sender's phone number, and transferring the remittance amount from the bank agent account to the sender's new account;

Automatic account creation and remittance transfer, collection method using a bank agent, including.
9. The method of claim 8,

In step (b), a message including remittance amount information and temporary password information is transmitted to the sender's terminal, and response information including name information and password reset information is received to register the new account information. thing

Automatic account creation and remittance transfer and collection method using a bank agent.
9. The method of claim 8,

(c) receiving a phone number of a recipient, creating and registering new account information of the recipient based on the phone number of the recipient, and transferring the remittance amount from the new account of the sender to the new account of the recipient;

Automatic account creation and remittance transfer, collection method using a bank agent further comprising a.