KR101707184B1 - Apparatus of providing on-line financial service and method thereof - Google Patents

Abstract

The present invention relates to a device of providing an online financial service and a method thereof. The device of providing the online financial service stores the amount information, which converts from a financial amount by the user into online money, or the amount information, which is converted into online money through card payment together with user terminal identification information in online money database, deducts remittance from online balance corresponding to the user terminal identification information in the online money database if the user terminal receives a request for online remittance including identification information and remittance of the user terminal, and adds the remittance to online balance corresponding to the identification information of the user terminal.

Description

[0001] APPARATUS AND METHOD FOR PROVIDING ON-LINE FINANCIAL SERVICE [0002]

The present invention relates to an apparatus and a method for easily providing financial services such as remittance and settlement on-line.

Unless you are traditionally transferring cash offline, you need an account opened by your bank for online remittance. In addition, there are many inconveniences such as logging in a specific bank and inputting the account number of the other party correctly for transferring the account.

Patent Publication No. 10-2010-0029427

An object of the present invention is to provide an online financial service providing apparatus and method which can provide financial services such as remittance and settlement irrespective of an account opened at a bank on-line.

According to another aspect of the present invention, there is provided an apparatus for providing an online financial service, the apparatus including: An online money record section for storing the money in the online money database together with the identification information; A user settlement unit for providing the amount information of the online money to the bank in which the financial account is established or providing it to the card company and receiving real money corresponding to the money information from the bank or credit card company in the server financial account; When receiving the online money transfer request including the identification information of the counterpart user terminal and the remittance amount from the user terminal, subtracts the remittance amount from the online money balance corresponding to the user terminal identification information in the online money database, A remittance management unit for adding the remittance amount to an online money balance corresponding to the identification information; And if the user terminal has an online money transfer for exchange to a bank, the online money corresponding to the real money to be transferred to the bank from the server financial account is subtracted from the online money balance corresponding to the user terminal identification information And a bank settlement department.

According to another aspect of the present invention, there is provided a method for providing an online financial service in a user terminal, the method comprising: detecting a click of a remittance button; Transmitting a remittance request including identification information of the user terminal, identification information of the counterpart user terminal, and remittance amount to the online financial service providing apparatus when the click of the remittance button is detected; And receiving the remittance result of the online money.

According to the present invention, it is possible to easily transfer money between users without a bank account. In addition, the profile screen of the social network service can facilitate remittance or payment. In addition, the merchant or salesperson can increase the advertising effect by providing online money that can be utilized as real money instead of the points or coupons that have been provided for advertisements.

1 illustrates a schematic structure of an overall system for an online financial service according to the present invention;
2 is a diagram illustrating an overall concept of a method of providing an online financial service according to the present invention.
3 is a diagram illustrating the configuration of an embodiment of an online money database according to the present invention,
4 is a diagram illustrating a configuration of an embodiment of an online financial service providing apparatus according to the present invention.
5 is a view illustrating an example of a method of generating an online money according to the present invention.
FIG. 6 is a view showing another example of a method for generating an online money according to the present invention.
7 is a diagram illustrating an example of a method for remitting an online money according to the present invention.
8 is a view illustrating an example of a method for converting online money into real currency according to the present invention.
9 is a view showing an example of a user profile screen according to the present invention,
10 is a view showing an example of a user list for inquiring a user profile screen according to the present invention,
11 is a view illustrating an example of a method for remitting online money through a user profile screen according to the present invention.

Hereinafter, an apparatus and method for providing online financial services according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a schematic structure of an overall system for an online financial service according to the present invention.

1, the online financial service provision apparatus 100 is connected to at least one bank 110, 112, 114 and at least one user terminal 120, 122, 124 through a wired / wireless communication network.

The banks 110, 112 and 114 refer to a kind of computing device (for example, a server or a terminal) capable of transmitting and receiving various information for implementing the present invention with the online financial service providing apparatus 100. However, for convenience of description, it is described as a bank instead of a server or the like.

The user terminals 120, 122, and 124 include terminals of various types capable of wired / wireless communication. For example, the user terminal may be a smart phone, a tablet PC, or the like. Each user can perform a predetermined subscription procedure in the online financial service provision apparatus 100 for the service of the present invention. For example, each user may transmit user information, user terminal information (e.g., communication company, telephone number, etc.), financial account information (real money account number, virtual account number, And the like) can be registered in advance.

In addition, the user terminals 120, 122, and 124 may download and install a separate application (application) for carrying out the present invention. Of course, a program or hardware for implementing the present invention may be implemented in the user terminals 120, 122, and 124 from the beginning. In this case, the process of installing a separate application may be omitted.

The online financial service providing apparatus 100 manages information on online money that is moved between user terminals without a real money and a bank account transferred through a bank account. Here, online money means a certain value that can be exchanged in real money. Therefore, the value of real money and online money may or may not be one-to-one. For example, the value of real money and online money can be different, such as 1: 0.9.

According to the embodiment, online money can be called by various names such as 'point', 'coupon' and the like. Hereinafter, to facilitate understanding of the present invention, 'online money' corresponding to 'real money' is unified to be described

2 is a diagram illustrating an overall concept of a method of providing an online financial service according to the present invention.

Referring to FIG. 2, the online financial service provision apparatus 100 has a server financial account 210 issued by a bank. The server financial account 210 may be in various forms, such as a real account or a virtual account, but only accounts for which the real currency can be traded at the bank.

For the purposes of the present invention, each user does not need to own an account issued by a bank. Accounts are required for creating online currency and for exchanging online currency for real money, and not for transferring or depositing online money.

Although the user and the user terminal are physically different from each other, each user has his or her own user terminal and is corresponded one to one. Therefore, for convenience of explanation, the user and the user terminal are mixed and used in the same meaning as long as there is no misunderstanding. For example, the account of the user terminal immediately refers to the account of the user, and the user identification information means the user terminal identification information.

First, when the first user 120 desires to generate the online money, the first user 120 requests the online financial service providing apparatus 100 to generate the online money. The online financial service providing apparatus 100 receives an amount of money to be generated as an online money from the financial account 200 of the first user 120 and transfers it to the server financial account 210. Then, And stores the money amount information in the online money database 220. The online financial service providing apparatus 100 provides the online money information generated by the first user terminal 120.

Each of the users 120, 122, and 124 having the online money can provide online money for various purposes to other users who desire within the balance of the online money. For example, the first user 120 may provide online money to a friend whose birthday has not been made without using an account number, or may use online money at the time of payment of an article, service, or the like. As another example, when the first user 120 is a merchant shop such as a restaurant, it is possible to provide online money in which the user has previously provided points for advertisement or promotion.

When the online money of the first user 120 is transferred to the second user 122, the online financial service providing apparatus 100 reflects the transfer details of the online money to the online money database 220. For example, the online financial service providing apparatus 100 subtracts the remittance amount from the online money balance corresponding to the identification information of the first user terminal 120 in the online money database 220, To the online currency balance corresponding to the amount of the remittance. The remittance process will be described in detail again in FIG.

The second user 122 is notified of the reception of the online money in various forms such as a general SMS service (SMS, MMS) or a push message (for example, a message transmission via a social network service (SNS) Can receive.

The second user 122 may remit the online money to another user. In this way, online money can be moved among many users regardless of whether or not each user has a financial account. However, since online money is not a real currency as we have already seen, a financial account is required to exchange it for real money.

When the M < th > user 124 wants to exchange all or part of his or her online money balance with the real money, the M < th > user terminal 124 transmits the online money to be exchanged to the bank. The bank withdraws real money corresponding to the online money received from the M-th user from the server financial account 210 and deposits the real money to the M-th user financial account 230. The process of converting the online money into real money will be described in detail in FIG.

3 is a diagram illustrating the configuration of an embodiment of an online money database according to the present invention.

Referring to FIG. 3, the online money database 220 includes a user terminal identification information field 300, a transaction details field 310, and an online money balance field 320. The online money database 220 may further include a variety of information such as financial account information (real account number or virtual account number) for each user who can move real money.

The user terminal identification information field 300 includes information for identifying each user or each user terminal. For example, the user terminal identification information may be unique information that can distinguish each user, such as a user's resident number, a telephone number, or an i-PIN (internet personal identification number).

The transaction details field 310 stores transaction details such as online money generation, transfer, settlement, and real money exchange for each user.

The online money balance field 320 stores the balance of the online money held by each user.

The online money database 220 includes a transaction history field 310 and an online money balance field 310 in response to a request for change of ownership of the online money, such as online money generation, transfer, payment, 320).

FIG. 4 is a block diagram of an apparatus for providing an online financial service according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 4, the online financial service provision apparatus 100 includes a user settlement unit 400, a remittance management unit 410, a bank settlement unit 420, and an online money database 220.

The online money database 220 stores the money amount information converted from the user financial account into the online money together with the user terminal identification information, as shown in FIG.

2, when the real money is converted into the online money according to the request of the user terminal, the user settlement unit 400 transmits the amount information of the real money converted into the online money to the bank 110 And receives real money corresponding to the amount information from the bank 110 from the user financial account 200 to the server financial account 210. [

Upon receiving the online money transfer request including the identification information of the counterpart user terminal and the remittance amount from the user terminal, the remittance managing unit 410 subtracts the remittance amount from the online money balance corresponding to the user terminal identification information in the online money database 220 And adds the remittance amount to the online money balance corresponding to the identification information of the counterpart user terminal.

The remittance of the online money can be remitted for various purposes such as a case where the user merely transfers the money to another user, a case where the user pays the goods or the like, a case where the user pays for the advertisement or the like instead of the conventional point or coupon.

For example, in the case of payment using online money, a counterpart user terminal is a user terminal of an agent who provides a product or service. In this case, the remittance management unit deducts the remittance amount of the online money for settlement from the online money balance corresponding to the user terminal identification information, and adds the remittance amount to the online money balance corresponding to the user terminal identification information of the merchant.

As another example, online money may be provided as a kind of point concept for advertisements and the like. In other words, there are cases where points or coupons are provided to consumers, for example, when purchasing goods or services on-line or off-line, or when making food at a restaurant or the like. In the case of this embodiment, a user terminal (such as a POS terminal according to an embodiment) of a merchant such as a restaurant provides online money equivalent to a predetermined amount to a consumer terminal instead of a point or a coupon.

The user terminal of the merchant may select the consumer terminal through the screens as shown in FIGS. 9 and 10 to provide online money. However, in the case of a consumer visiting an offline store so as to provide more convenience, when the consumer recognizes a bar code or a QR code located in the store with his / her terminal, the terminal identification information of the consumer and the terminal identification information of the offline store The remittance request may be automatically transmitted to the online financial service providing apparatus 100. The merchant terminal automatically transmits a request for remittance including the consumer terminal identification information (telephone number) and the identification information of the merchant terminal to the online financial service providing apparatus 100 when the merchant terminal orders food or goods or the like to the merchant through telephone, Lt; / RTI > Various other methods can be applied.

The bank settlement unit 420 may refer to the financial account of the user terminal of the bank 114 in the server financial account 210 when referring to FIG. 2, if there is an online money transfer for the exchange from the user terminal to the bank 230 from the online money balance corresponding to the user terminal identification information. The exchange process to real money is shown in FIG.

FIG. 5 is a diagram illustrating an example of a method for generating an online money according to the present invention.

Referring to FIG. 5, the user terminal 500 requests the on-line financial service provision apparatus 510 to generate online money (S550). If the user 500 has already been subscribed to the online financial service provision apparatus 510 and information such as the user financial account has been input in advance, the online financial service provision apparatus 510 switches the online money from the user terminal 500 Only the amount information can be received. On the other hand, if the user 500 is not subscribed to the online financial service provision apparatus 510 or the financial account information is not input even though the user 500 is subscribed, As well as financial account information (bank name, account number, etc.) as well as money amount information to be converted into online money.

The online financial service provision apparatus 510 provides the amount of money to be converted to on-line money to the bank where the financial account of the user terminal is located (S555), based on the online money generation request requested from the user terminal 500. The bank transfers real money corresponding to the online money from the financial account of the user terminal 500 to the server financial account of the online financial service provision apparatus 510 at step S560.

When the normal transfer of the real money corresponding to the online money is confirmed (S565), the online financial service providing apparatus 510 stores the amount information of the online money generated together with the user terminal identification information in the online money database 220 S570). Then, the result of generating the online money is transmitted to the user terminal 500 (S575).

FIG. 6 is a diagram illustrating another example of a method for generating an online money according to the present invention. 5 is a method for generating online money using a financial account, while FIG. 6 is a method for generating online money through card settlement.

Referring to FIG. 6, the user terminal 600 requests the on-line financial service provision apparatus 610 to generate online money (S650). If the user 600 has already been subscribed to the online financial service provision apparatus 610 and the user card information is inputted in advance, the online financial service provision apparatus 610 transmits only the amount information to be converted from the user terminal 600 to the online currency . On the other hand, if the user 600 is not subscribed to the online financial service provision apparatus 610 or if the card information is not input even though the subscriber is subscribed, the online financial service provision apparatus 610 switches the online terminal As well as the card information.

The online financial service provision apparatus 610 requests the card company 620 to settle the card based on the online money generation request received from the user terminal 600 (S655). The online financial service providing apparatus 610 stores the amount information of the online money generated together with the user terminal identification information in the online money database 220 (S665) when the card payment is normally processed (S660). Then, the result of generating the online money is transmitted to the user terminal 600 (S670).

7 is a diagram illustrating an example of a method for remitting an online money according to the present invention.

Referring to FIG. 7, the online financial service provision apparatus 710 receives an online money transfer request from the first user terminal 700, the second user terminal 720, or the third user terminal (not shown) (S750, S752). For example, the online financial service provision apparatus 710 receives an online remittance request from the first user terminal 700 when the remittance is a simple remittance, and receives an online remittance request from the second user terminal 720 In the case of receiving a remittance request and remitting online money in exchange for a point or a coupon at an affiliated shop or the like, an online remittance request can be received from the second user terminal 720, which is a merchant terminal. In addition to this, the subject of the money transfer request can be variously designed and modified.

If there is an online remittance request, the online financial service providing apparatus 710 reduces the online money balance corresponding to the identification information of the first user terminal by the remittance amount (S756), and increases the online money balance of the second user terminal by the remittance amount (S760). Then, the transfer result is transmitted to both user terminals (S765, S770).

Although not shown in FIG. 7, it may further include a kind of authentication process for remittance or the like. For example, the online financial service provision apparatus 710 performs various conventional authentication methods such as password-based authentication, authorized certificate-based authentication, fingerprint authentication and the like from the user terminal that is the subject of the remittance request, .

FIG. 8 is a view illustrating an example of a method for converting online money into real money according to the present invention.

Referring to FIG. 8, the user terminal 800 transmits an exchange request to the real money for all or a part of the online money to the bank 820 (S850). 7, the user terminal 800 transmits an exchange request through the online financial service provision apparatus 810 to the bank. However, in the present embodiment, the user terminal directly transmits the real money exchange request to the bank, You may.

The bank 820 receives the real money exchange request and transmits information about the real money request (for example, user terminal identification information, online money amount information to be exchanged, etc.) to the online financial service providing apparatus 810 (S855) . If the user terminal 800 requests exchange through the online financial service provision apparatus 810, the present step S855 may be omitted.

The bank 820 fetches the real money corresponding to the online money received from the server financial account of the online financial service providing apparatus 810 and deposits the real money into the financial account of the user terminal 800 at step S860. The online financial service providing apparatus 810 subtracts the amount of money converted from the balance of the online money corresponding to the identification information of the user terminal 800 (S865).

9 is a view showing an example of a user profile screen according to the present invention.

Referring to FIG. 9, users who subscribe to a type of social network service according to the present invention have their own user profile screen 900. For example, when an application (app) providing a service according to the present invention is downloaded and installed in a user terminal, each user can view a user list 1000 having a predetermined relation as shown in FIG. 10 through a user terminal have.

When a specific user is selected from the user list 1000 displayed on the user terminal, the profile screen 900 of the selected user is displayed on the user terminal as shown in FIG.

The user profile screen 900 includes at least one or more advertisement areas 930 along with a user information area 910 and a remitting button 920. Each user can leave the user information area of his / her profile screen blank, or upload a picture or the like. Such as a sales business or a franchisee, can upload various images or texts for advertisement to the user information area 910 of the profile screen 900 of the user.

The remitting button 920 is a button for remitting online money. For example, if the first user selects a second user existing in the user list 1000, the profile screen 900 of the second user is displayed on the first user terminal. When the first user presses the remitting button 920 of the profile screen 900 of the second user, remittance is performed from the first user terminal to the second user terminal through the process described in FIG.

In the advertisement area 930, an advertisement may be displayed according to a user's selection. For example, the first user may register the contents of the advertisement for the second user in the advertisement area of the profile screen of the first user. When the first user clicks the user information area of the second user profile screen, the user information (i.e., the contents of the advertisement) of the second user profile screen may be registered in the advertisement area of the first user profile screen .

Each user can receive a kind of consideration for the advertisement placed in the advertisement area of his profile screen. For example, when the second user-related advertisement is registered in the first user profile screen, the first user terminal notifies the second user terminal that the advertisement has been uploaded. The second user can inquire the first user profile screen to confirm that the advertisement for the user is uploaded, and click the remitting button of the first user profile screen to remit the online money to the first user terminal. The duration of the advertisement of the second user placed on the first user profile screen is determined according to the amount of the transferred online money. If the first user terminal does not receive the online money from the second user terminal after the advertisement of the second user terminal is registered on the first user profile screen, the advertisement of the second user terminal in the first user profile screen Can be automatically deleted.

11 is a view illustrating an example of a method for remitting online money through a user profile screen according to the present invention.

Referring to FIG. 11, the first user terminal displays the profile screen of the second user (S1100). The second user profile screen may be selected through the user list as shown in FIG.

When the first user terminal detects the depression of a remitting button located on the displayed second user profile screen (S1110), the remittance request is transmitted to the online financial service providing apparatus after receiving the remittance amount (S1120). The remittance process by the online financial service provision apparatus can be applied to the method of FIG. Upon completion of the remittance process, the user terminal has the online money subtracted by the remittance amount (S1130).

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like. The computer-readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner.

The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (8)

delete delete delete A method for providing an online financial service at a user terminal,
Detecting a click of a remitting button;
Transmitting a remittance request including identification information of the user terminal, identification information of the counterpart user terminal, and remittance amount to the online financial service providing apparatus when the click of the remittance button is detected; And
And receiving the remittance result of the online money,
And displaying a profile screen of the counterpart user on the user terminal when the counterpart user is selected from the user list of the user terminal and selecting the contents of the advertisement on the profile screen of at least one counterpart user through the user list, Registering in an advertisement area of a user profile screen;
Notifying at least one or more counterpart users whose advertisements are registered in the advertisement area of the advertisement registration fact; And
Receiving a fee for an advertisement displayed in the advertisement area from at least one or more opponent users in an online currency through a click of a remittance button located on a user profile screen of the user terminal displayed on at least one opponent user terminal Wherein the online financial service providing method comprises: 5. The method of claim 4, wherein the step of detecting a click of the remitting button comprises:
Inquiring a profile screen of at least one or more opponent users subscribed to the set service;
Detecting a click of a remittance button displayed on the profile screen; And
And identifying the terminal identification information of the counterpart user corresponding to the profile screen. 5. The method of claim 4,
Transmitting an actual money change request for all or part of the online money; And
And receiving real money corresponding to the online money requested to be converted into real money from the server financial account into the user financial account. 5. The method of claim 4,
Displaying at least one advertisement on a user profile screen; And
And determining the duration of the displayed advertisement according to a remittance amount from a user related to the advertisement. A computer-readable recording medium on which a program for performing the method according to any one of claims 4 to 7 is recorded.

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