WO2015102122A1 - Method for providing global financial services by using communication application and bank server therefor - Google Patents

Method for providing global financial services by using communication application and bank server therefor 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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French (fr)
Korean (ko)
Inventor
최수진
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주식회사 신한은행
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Publication of WO2015102122A1 publication Critical patent/WO2015102122A1/en

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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

The present invention relates to a method for providing online banking services between countries by using an application installed in a mobile device or a computer, and a device therefor. A method by which a bank server provides financial services to an international user who has been registered in a platform provider server, according to the present invention, receives, by a second country bank server, a request to open a second country virtual account for a first country user from a first country bank server when a first country virtual account is set up in the first country bank server for the first country user who uses a communication application provided by a first country platform provider server, and transfers, by the second country bank server, to the second country virtual account, money of a second country currency which is exchanged from the original amount of money of a first country currency deposited in the first country virtual account, when a request to exchange money is read from a chat message of the first country user inputted through the application.

Description

커뮤니케이션 애플리케이션을 이용하여 글로벌 금융서비스를 제공하는 방법 및 그 은행서버Method of providing global financial services using communication application and its bank server
본 발명은, 모바일 디바이스나 컴퓨터에 설치된 애플리케이션을 이용하여 타국 간의 온라인 뱅킹 서비스를 제공하는 방법 및 그 장치에 관한 것이다.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.
관광산업은 상대적으로 적은 양의 자원을 투자하여 높은 수익을 얻을 수 있는 고부가가치 산업으로, 국가경제적인 차원에서 그 중요성이 널리 인정되고 있다. 또한, 일본에서 시작된 한류열풍으로 인해 일본 뿐만 아니라 중국, 동남아 등 다양한 국가에서 한국을 방문하는 관광객이 늘어나는 추세이다. 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. In addition, due to the Korean wave, which has begun in Japan, more and more tourists are visiting Korea from various countries such as Japan, China and Southeast Asia.
신용카드 사용량이 우세한 한국인들에 비해, 일본인과 중국인과 같은 해외 관광객들은 한국을 방문하기 전이나 한국에서, 자국통화를 원화로 환전하여 한국 내에서는 현금을 소비하는 경향이 강하다. 따라서, 한국을 방문할 때 관광객들이 다량의 현금을 소지하여야 하므로 여행 활동 중의 불편함 뿐만 아니라 도난의 위험성도 공존한다. Compared to Koreans, where credit card usage is dominant, overseas tourists such as Japanese and Chinese are more likely to spend cash in Korea before they visit Korea or in Korea by converting their currency into Korean won. Therefore, when visiting Korea, tourists must carry a large amount of cash, so not only the inconvenience of travel but also the risk of theft coexist.
해외 관광객이 국내 ATM기에서 글로벌 신용카드사의 신용카드를 이용한 현금대출서비스를 이용할 수는 있지만, 현금대출서비스 수수료가 상당히 높으므로 관광객에게 큰 부담이 될 수 있다. 현실적으로 해외 관광객에게 한국 계좌가 개설되기 어려우므로, 자국에서 미리 한국 방문 전에 여행경비를 한국 계좌로 이체해놓기 어려우며, 설사 한국 계좌 개설이 가능하다 하더라도 해외 관광객들이 단기간 관광을 위해 한국 은행과 거래를 시작하여 직접 한국 계좌를 개설하는 것은 어려운 실정이다.Overseas tourists can use cash lending services using global credit card companies' credit cards at domestic ATMs, but the cash lending service fees are very high, which can be very burdensome for tourists. In reality, it is difficult to open a Korean account to foreign tourists, so it is difficult to transfer travel expenses to a Korean account before visiting Korea in advance. It is difficult to open a Korean account directly.
본 발명은, 은행서버가 커뮤니케이션 애플리케이션의 사용자에게 각국 은행서버에서 사용자에게 가상계좌를 설정하고, 가상계좌에 충전된 금액을 기초로 자국이나 타국에서 사용자가 요청하는 계좌업무나 금융서비스를 처리하는 방법을 제안한다. 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.
또한, 본 발명은 플랫폼 사업자 서버가 사용자가 커뮤니케이션 애플리케이션을 이용하여 대화창에 입력한 채팅메시지를 기초로 금융서비스를 제공하기 위한 방법을 제안한다.In addition, 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.
다양한 실시예에 따라 은행서버가 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법은, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스에 가입하면 제1국 은행서버에 의해 제1국 사용자에 대한 제1국 가상계좌가 설정되는 경우에, 제2국 은행서버가 상기 제1국 은행서버로부터, 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신하는 단계; 및 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되면, 상기 제2국 은행서버가 상기 제1국 가상계좌에 예치된 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액을 상기 제2국 가상계좌로 입금 처리하는 단계를 포함한다. According to various embodiments of the present disclosure, 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.
본 발명에 따른 플랫폼 사업자 서버는, 사용자가 커뮤니케이션 애플리케이션을 이용하여 대화창에 입력한 채팅메시지를 해석하여 금융서비스 요청 정보를 획득하여 은행서버에게 전달하므로, 사용자가 별도의 금융서비스를 위한 애플리케이션을 설치하거나 은행서버로 직접 억세스하지 않더라도 사용자에게 금융서비스를 제공할 수 있다. The platform operator server according to the present invention, 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.
본 발명에 따른 은행서버가 플랫폼 사업자 서버에게 모계좌를 설정하고 이를 기초로 커뮤니케이션 애플리케이션의 사용자에게 사용자에게 가상계좌를 설정하므로, 사용자가 직접 은행계좌를 개설할 필요가 없고 특히 타국 은행에서도 가상계좌가 개설되어 타국 계좌를 기초한 금융서비스도 제공할 수 있다. Since the bank server according to the present invention 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.
또한, 환전서비스의 경우에는 제1국 통화에 사용자에게 유리한 환율을 적용하여 제2국 통화로 환전한 후 제2국 가상계좌에 입금될 수 있다. 또한, 제2국 은행의 자동화기기나 영업점에서 제2국 가상계좌로부터 제2국 통화가 출금될 수 있으므로, 고액의 환전금액을 직접 소지하지 않아도 되므로 현금 운반의 부담이 줄어들 수 있다. In addition, in the case of a currency exchange service, 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. In addition, since the currency of the second country may be withdrawn from the virtual account of the second country at the automated device or branch of the second country bank, the burden of cash transportation may be reduced because it is not necessary to carry a large amount of money directly.
또한, 제2국 가상계좌와 연계된 제2국 신용카드사의 선불카드가 제1국 사용자에게 발급되고 애플리케이션을 통해 사용등록되므로, 제2국 오프라인 가맹점에서 선불카드를 이용한 결제대금을 제2국 가상계좌의 예치금액을 기초로 정산될 수 있다. In addition, since the prepaid card of the second country credit card company associated with the second country virtual account is issued to the user of the first country and registered for use through the application, 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.
또한 제1국 사용자는 제2국에서의 금융혜택이나 제휴혜택에 대한 정보를 직접 수집하기 어렵지만, 제2국 신용카드사와 제휴사가 선불카드에 대해 혜택 서비스를 제공하므로, 제1국 사용자가 제2국에서 선불카드를 이용하여 상품구매대금을 결제하면 제휴사가 제공하는 혜택 서비스를 제공받을 수 있다.In addition, although it is difficult for a user in a first country to collect information on financial or partnership benefits in a second country directly, 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.
도 1 은 다양한 실시예에 따라 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션(이하, '애플리케이션'이라 칭함.)을 통해 글로벌 금융서비스를 제공하는 제1국, 제2국 플랫폼 사업자 서버 및 제1국, 제2국 은행서버의 블록도를 도시한다. 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 block diagram of a two-bank bank server is shown.
도 2 는 다양한 실시예에 따라 제1국 플랫폼 사업자 서버, 제2국 플랫폼 사업자 서버, 제1국 은행서버 및 제2국 은행서버가 애플리케이션을 통해 글로벌 금융서비스를 제공하는 방법의 흐름도를 도시한다.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.
도 3는, 일 실시예에 따라 애플리케이션을 통해 사용자가 환전을 요청하는 메시지가 입력된 인터페이스 화면을 도시한다. 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.
도 4a는, 일 실시예에 따라 일본 플랫폼 사업자가 제공하는 애플리케이션의 일본고객이 글로벌 금융서비스에 가입하는 프로세스를 도시한다. 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.
도 4b는, 일 실시예에 따라 일본고객이 애플리케이션을 통해 엔화를 원화로 환전하기 위한 프로세스를 도시한다. 4B illustrates a process for a Japanese customer to exchange yen into Japanese currency through an application, according to one embodiment.
도 4c는, 일 실시예에 따라 일본고객이 애플리케이션을 통해 원화를 엔화로 재환전하기 위한 프로세스를 도시한다. 4C illustrates a process for a Japanese customer to exchange Korean won to Japanese yen via an application, according to one embodiment.
도 5는, 다른 실시예에 따라 애플리케이션의 회원 간 자금을 이체하기 위한 프로세스를 도시한다.5 shows a process for transferring funds between members of an application according to another embodiment.
도 6는, 또 다른 실시예에 따라 애플리케이션의 회원이 애플리케이션을 통해 컨텐츠를 구매하기 위한 프로세스를 도시한다.6 shows a process for a member of an application to purchase content through the application, according to another embodiment.
도 7은, 또 다른 실시예에 애플리케이션의 회원이 타국에서 발급신청한 선불카드를 이용하여 국내 가맹점에서 결제하기 위한 프로세스를 도시한다.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.
다양한 실시예에 따라 은행서버가 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법은, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스에 가입하면 제1국 은행서버에 의해 제1국 사용자에 대한 제1국 가상계좌가 설정되는 경우에, 제2국 은행서버가 상기 제1국 은행서버로부터, 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신하는 단계; 및 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되면, 상기 제2국 은행서버가 상기 제1국 가상계좌에 예치된 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액을 상기 제2국 가상계좌로 입금 처리하는 단계를 포함한다. According to various embodiments of the present disclosure, 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.
다양한 실시예에 따라 은행서버가 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법은, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스를 가입하면, 상기 제1국 은행서버는 상기 제1국 사용자에 대해 제1국 가상계좌를 설정하고, 제2국 은행서버에게 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송하는 단계; 및 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되면, 상기 제1국 은행서버가 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액이 상기 제2국 가상계좌로 입금되도록 상기 제2국 은행서버에게 입금요청을 전송하는 단계를 포함한다.According to various embodiments of the present disclosure, 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.
다양한 실시예에 따라 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법은, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자로부터 접수된 상기 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리하는 단계; 상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제1국 사용자에 대한 제1국 가상계좌의 개설요청을 전송하는 단계; 상기 제1국 플랫폼 사업자 서버가, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터, 상기 제1국 가상계좌에 예치된 제1국 통화원금을 제2국 통화로 환전하기 위한 환전요청을 판독하는 단계; 및 상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액의 제2국 은행서버의 제2국 가상계좌로 입금되도록 환전요청을 전송하는 단계를 포함하고, 상기 환전요청은 상기 제1국 은행서버로부터 상기 제2국 은행서버로 전달된다. According to various embodiments of the present disclosure, 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. Reading a; And the first country platform operator server of the second country bank server of the 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. And sending a currency exchange request to be deposited into a second station virtual account, wherein the currency exchange request is transferred from the first station bank server to the second station bank server.
다양한 실시예에 따라 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 은행서버는, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스에 가입하면 제1국 은행서버에 의해 제1국 사용자에 대한 제1국 가상계좌가 설정되는 경우에, 상기 제1국 은행서버로부터 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신하는 가상계좌개설 요청 수신부; 제2국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 상기 제1국 사용자에게 상기 제2국 가상계좌를 설정하여, 상기 제2국 가상계좌와 상기 제1국 사용자에 대한 정보를 관리하는 가상계좌 관리부; 및 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독된 경우에, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액을 상기 제2국 가상계좌로 입금 처리하는 계좌업무 처리부를 포함한다.According to various embodiments of the present disclosure, 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. In the case where 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. Establishment request receiving unit; 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. ; And when 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.
다양한 실시예에 따라 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 은행서버는, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스를 가입하면, 상기 제1국 사용자에 대해 제1국 가상계좌를 설정하고, 제2국 은행서버에게 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송하는 가상계좌 개설 요청부; 제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 상기 제1국 사용자에게 상기 제1국 가상계좌를 설정하여, 상기 제1국 가상계좌와 상기 제1국 사용자에 대한 정보를 관리하는 가상계좌 관리부; 및 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되는 경우에, 상기 제1국 은행서버가 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액이 상기 제2국 가상계좌로 입금되도록 상기 제2국 은행서버에게 입금요청을 전송하는 계좌업무 요청부를 포함한다.According to various embodiments of the present disclosure, when 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. ; And when the exchange request is read from the chat message of the first station user input through the application, the first station bank server exchanges the currency from the first station currency principal deposited in the first station virtual account. And 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.
다양한 실시예에 따라 국제사용자에게 금융서비스를 제공하는 플랫폼 사업자 서버는, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자로부터 상기 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리하고, 상기 제1국 은행서버에게, 상기 제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제1국 사용자에 대한 제1국 가상계좌의 개설요청을 전송하는 가입신청 처리부; 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터, 상기 제1국 가상계좌에 예치된 제1국 통화원금을 제2국 통화로 환전하기 위한 환전요청을 판독하는 메시지 판독부; 및 상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액을 제2국 은행서버의 제2국 가상계좌로 입금되도록 하는 입금요청을 전송하는 계좌업무 요청부를 포함하고, 상기 환전요청은 상기 제1국 은행서버로부터 제2국 은행서버에 전송된다.According to various embodiments of the present disclosure, 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; And 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. And 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.
이하, 도 1 내지 7를 참조하여 본 발명의 다양한 실시예에 따른 제1국 플랫폼 사업자 서버, 제1국 은행서버, 제2국 은행서버 및 제2국 플랫폼 사업자 서버 간의 네트워크를 통해, 커뮤니케이션 애플리케이션의 사용자에게 애플리케이션을 이용한 글로벌 금융서비스를 제공하는 방법이 상세히 설명된다. 각각의 도면의 구성 요소들에 참조 부호를 부가함에 있어서, 동일한 구성 요소들에 대해서는 비록 다른 도면 상에 표시되더라도 가능한 한 동일한 부호를 가지도록 하고 있음에 유의해야 한다.Hereinafter, referring to FIGS. 1 to 7, 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. In adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are assigned to the same elements as much as possible even though they are displayed on different drawings.
도 1 은 다양한 실시예에 따라 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션을 통해 글로벌 금융서비스를 제공하는 제1국 플랫폼 사업자 서버(130), 제2국 플랫폼 사업자 서버(170) 및 제1국 은행서버(110), 제2국 은행서버(150)의 블록도를 도시한다. 도 2 는 다양한 실시예에 따라 제1국 플랫폼 사업자 서버(130), 제2국 플랫폼 사업자 서버(170), 제1국 은행서버(110) 및 제2국 은행서버(150)가 애플리케이션을 통해 글로벌 금융서비스를 제공하는 방법의 흐름도를 도시한다.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.
'플랫폼 사업'이란 미디어 산업계에서 다양한 컨텐트와 서비스를 망, 네트워크 통신 등을 이용하여 이용자와 개발자가 용이하게 주고 받음으로써 이익을 창출하는 사업을 의미한다. 종래 플랫폼 사업자는, 이동통신 사업자, 방송 컨텐츠를 송출하는 방송사를 지칭하였다. 하지만, 최근 온라인 미디어 산업이 빠르게 발달하는 환경에서, 텍스트, 이미지, 동영상을 포괄하는 보편적 미디어를 제공하는 인터넷 포털 사업자, 온라인 커뮤니케이션 서비스 사업자 등도 플랫폼 사업자로 분류될 수 있다. '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. However, in an environment in which the online media industry is rapidly developing recently, Internet portal providers and online communication service providers that provide universal media including text, images, and videos may also be classified as platform providers.
일 실시예에 따른 제1국 플랫폼 사업자 서버(130)는 제1국에서 커뮤니케이션 서비스 또는 SNS (Social Networking Service) 서비스를 제공하는 사업자로서, 메신저와 같은 커뮤니케이션 애플리케이션을 사용자에게 제공할 수 있다. 커뮤니케이션 애플리케이션은 단말기에 설치되는 모바일 애플리케이션이거나 온라인 커뮤티케이션 서비스를 제공하기 위한 웹사이트일 수 있다. The first station platform operator server 130 according to an embodiment 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.
제2국 플랫폼 사업자 서버(170)도, 제2국에서 커뮤니케이션 서비스 또는 SNS 서비스를 제공하는 사업자일 수 있다. The second station platform provider server 170 may also be a provider that provides communication services or SNS services in the second station.
일 실시예에 따른 커뮤니케이션 애플리케이션은, 사용자간 1:1 대화 및 단체 대화가 가능하도록, 사용자들이 입력한 인스턴트 메시지를 쌍방에게 전달하는 프로그램을 포함할 수 있다. 일 실시예에 따른 커뮤니케이션 애플리케이션은, 프로그램의 종류에 따라 단순히 텍스트 메시지를 전달하는 기능만이 아니라, 문서 파일, 그래픽 파일, 음성 파일 등의 파일을 인터넷을 이용해 전달하는 기능을 수행할 수 있는 프로그램을 포함할 수 있다. The communication application according to an embodiment 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 according to an embodiment, 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.
일 실시예에 따른 제1국 플랫폼 사업자 서버(130)는 제1국의 플랫폼 사업 주체에 의해 운영되며, 제2국 플랫폼 사업자 서버(170)는 제2국의 플랫폼 사업 주체에 의해 운영된다. 제1국 플랫폼 사업자 서버(130)의 운영주체인 제1국 플랫폼 사업자와, 제2국 플랫폼 사업자 서버(170)의 운영주체인 제2국 플랫폼 사업자는 독립적인 주체일 수 있지만, 동일 주체일 수도 있다. The first station platform operator server 130 according to an embodiment 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.
일 실시예에 따르면, 제1국 플랫폼 사업자 서버(130)와 제2국 플랫폼 사업자 서버(170)는 독립적으로 각국 사용자에게 서비스를 제공하지만, 동종의 서비스나 상호 호환 가능한 서비스를 제공할 수 있다. 제1국 플랫폼 사업자 서버(130) 및 제2국 플랫폼 사업자 서버(170)는 서비스의 종류에 따라 상대국 사용자의 고객정보를 공유하며 상대국 사용자의 이용신청을 허용할 수도 있다. According to an embodiment, 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.
본 발명에서, 제1국 플랫폼 사업자 서버(130), 제2국 플랫폼 사업자 서버(170), 제1국 은행서버(110) 및 제2국 은행서버(150) 간의 네트워크(100)를 통해, 제1국 플랫폼 사업자 서버(130)의 회원인 제1국 사용자를 위한 글로벌 금융서비스가 제공될 수 있다. In the present invention, through the network 100 between the first station platform operator server 130, the second station platform operator server 170, the first station bank server 110 and the second station bank server 150, 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.
제1국 플랫폼 사업자 서버(130)와 제2국 플랫폼 사업자 서버(170)는, 제1국 사용자에게 커뮤니케이션 애플리케이션을 이용한 금융서비스를 제공할 수 있다. 이하, 제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션을 '제1국 애플리케이션'이라 축약하여 지칭한다. 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. Hereinafter, a communication application provided by the first country platform operator server will be referred to as a "first country application" for short.
제1국 사용자가 직접 계좌를 개설할 필요없이 애플리케이션을 이용한 금융서비스에 가입함으로써 제1국 계좌를 기초로 하는 금융서비스를 이용할 수 있도록, 제1국 사용자에게 제1국 은행(110)의 가상계좌가 설정될 수 있다. 또한, 제1국 사용자는 제2국에서 본인명의로 계좌를 개설할 수 없으므로, 제1국 사용자가 제2국 은행서버(150)의 계좌를 기초로 금융거래를 하기 위해서는 제2국 주체를 모계좌주로 하는 가상계좌가 필요하다. 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. In addition, since the user of the first country cannot open an account under his / her name in the second country, in order for the user of the first country to make a financial transaction based on the account of the bank server 150 of the second country, the principal of the second country is the mother account. You will need a virtual account.
이를 위해, 제1국 플랫폼 사업자와 제2국 플랫폼 사업자는 각각 자국 은행에서 제1국 사용자에게 설정된 가상계좌의 모계좌주가 될 수 있다. 제1국 은행서버(110)는 제1국 플랫폼 사업자에게 제1국 모계좌를 설정하고, 제1국 모계좌를 기초로 제1국 사용자에게 가상계좌를 설정할 수 있다. 제2국 은행서버(150)도 제2국 플랫폼 사업자에게 제2국 모계좌를 설정하고, 제2국 모계좌를 기초로 제1국 사용자에게 가상계좌를 설정할 수 있다. To this end, 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.
이하, 제1국 사용자를 위해 제1국 은행서버(110)에 등록된 가상계좌는 '제1국 가상계좌'로, 제2국 은행서버(150)에 등록된 가상계좌는 '제2국 가상계좌'로 지칭한다. Hereinafter, 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', and the virtual account registered in the second station bank server 150 is referred to as 'second country virtual account'. Account.
다양한 실시예에 따른 제1국 플랫폼 사업자 서버(130)는, 가입 신청 처리부(132), 메시지 판독부(134), 계좌업무 요청부(136)를 포함할 수 있다. The first country platform operator server 130 according to various embodiments may include a subscription application processing unit 132, a message reading unit 134, and an accounting request unit 136.
제1국 플랫폼 사업자 서버(130)의 가입 신청 처리부(132)는, 제1국 사용자로부터 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리할 수 있다. 온라인 가입 신청도 접수될 수 있으며, 가입 신청 접수와 동시에 신청 처리가 수행될 수 있다. 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.
제1국 플랫폼 사업자 서버(130)의 메시지 판독부(134)는, 애플리케이션을 통해 입력된 제1국 사용자의 채팅 메시지를 해독하여 금융서비스 이용요청을 수신할 수 있다. 예를 들어 메시지 판독부(134)는 제1국 사용자의 채팅 메시지로부터 환전요청을 판독할 수 있다. 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.
제1국 플랫폼 사업자 서버(130)의 계좌업무 요청부(136)는, 제1국 은행서버(110)에게 제1국 사용자의 환전요청을 전달할 수 있다. 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.
다양한 실시예에 따른 제1국 은행 서버(110)는, 가상계좌 개설 요청부(112), 가상계좌 관리부(114) 및 계좌업무 요청부(116)를 포함할 수 있다.The first bank server 110 according to various embodiments may include a virtual account opening request unit 112, a virtual account manager 114, and an accounting request unit 116.
제1국 은행 서버(110)의 가상계좌 개설 요청부(112)는, 제1국 플랫폼 사업자 서버(130)가 제공하는 애플리케이션을 이용한 금융서비스에 제1국 사용자가 가입했다는 정보를 수신하면, 제1국 사용자에 대해 제1국 가상계좌를 설정할 수 있다. 또한, 가상계좌 개설 요청부(112)는, 제2국 은행서버(150)에게 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송할 수 있다. When the virtual account establishment request unit 112 of the first country bank server 110 receives the information that the first country user has subscribed to a financial service using an application provided by the first country platform operator server 130, A first station virtual account can be set for a station user. In addition, 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.
제1국 가상계좌 및 제2국 가상계좌는 각각 온라인 신청으로 개설될 수 있으며, 가입완료를 위해 본인인증 절차가 수행될 수 있다. 제1국 가상계좌 및 제2국 가상계좌는 각각 선불충전형 계좌이다. 제1국 사용자가 애플리케이션을 통한 금융서비스를 이용하기 위해 충전금액을 인터넷 뱅킹, 영업점 방문 또는 ATM 기기(Automatic Teller's Machine)와 같은 은행 채널을 이용한 계좌이체 또는 신용카드 결제, 직접 현금입금 방식 등의 방식으로 미리 지불한다면, 모계좌를 통해 각 가상계좌에 충전 입금될 수 있다. 또한 제1국 가상계좌 및 제2국 가상계좌에 불입 가능한 금액의 한도가 미리 결정될 수 있다. 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. In order for a user in a first country to use a financial service through an application, 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. In addition, 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.
제1국 은행 서버(110)의 제1국 가상계좌 관리부(114)는, 제1국 플랫폼 사업자 서버(130)에 대해 설정된 모계좌를 기초로 제1국 가상계좌를 제1국 사용자에게 설정할 있다. 제1국 가상계좌 관리부(114)는, 제1국 가상계좌와 제1국 가상계좌의 모계좌, 각 계좌의 계좌주인 제1국 사용자 및 제1국 플랫폼 사업자에 대한 정보를 관리할 수 있다. 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.
제1국 은행 서버(110)의 계좌업무 요청부(116)는, 애플리케이션을 통해 접수된 제1국 사용자의 금융서비스 이용요청을 기초로, 계좌업무를 처리할 수 있다. 또한 계좌업무 요청부(116)는, 제1국 사용자가 제2국 계좌를 기초로 하는 금융서비스를 요청한 경우에, 제2국 은행서버에게 제1국 사용자의 요청을 전달할 수 있다. 예를 들어, 애플리케이션을 통해 입력된 제1국 사용자의 채팅 메시지로부터 제1국 통화로부터 제2국 통화로의 환전요청이 판독된 경우에, 제1국 은행서버(110)의 계좌업무 요청부(116)는 제2국 은행서버(150)에게 환전요청을 전송하여, 제1국 가상계좌에 예치된 제1국 통화원금으로부터 환전된 제2국 통화의 환전금액이 제2국 가상계좌로 입금되도록 요청할 수 있다. 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
다양한 실시예에 따른 제2국 은행 서버(150)는, 가상계좌개설 요청 수신부(152), 제2국 가상계좌 관리부(154) 및 계좌업무 처리부(156)를 포함할 수 있다. The second station bank server 150 according to various embodiments may include a virtual account opening request receiving unit 152, a second station virtual account managing unit 154, and an accounting processing unit 156.
제2국 은행 서버(150)의 가상계좌개설 요청 수신부(152)는, 제1국 애플리케이션을 이용한 금융서비스에 제1국 사용자가 가입한 경우에, 제1국 은행서버(150)로부터 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신할 수 있다. 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.
제2국 은행 서버(150)의 제2국 가상계좌 관리부(154)는, 제2국 플랫폼 사업자 서버(170)에 대해 설정된 모계좌를 기초로 제1국 사용자에게 제2국 가상계좌를 설정할 수 있다. 이에 따라 제2국 가상계좌 관리부(154)는, 제2국 가상계좌, 모계좌, 각 계좌의 계좌주인 제1국 사용자 및 제2국 플랫폼 사업자에 대한 정보를 관리할 수 있다. 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.
제2국 은행 서버(150)의 계좌업무 처리부(156)는, 제1국 애플리케이션에 입력한 제1국 사용자의 채팅메시지로부터 판독된 금융거래 요청을 제1국 은행서버(110)로부터 수신할 수 있다. 예를 들어, 제1국 플랫폼 사업자 서버(130)에 의해 제1국 사용자의 채팅메시지로부터 제1국 통화를 제2국 통화로 환전하기 위한 환전요청이 채팅메시지로부터 판독된 경우에, 계좌업무 처리부(156)는 제1국 은행서버(110)로부터 환전요청을 전달받고, 제1국 가상계좌에 예치된 제1국 통화원금으로부터 환전된 제2국 통화의 환전금액이 제2국 가상계좌로 입금 처리할 수 있다. 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.
다양한 실시예에 따른 제2국 플랫폼 사업자 서버(170)는, 고객정보 데이터베이스(172)를 포함할 수 있다.The second station platform operator server 170 according to various embodiments may include a customer information database 172.
제2국 플랫폼 사업자 서버(170)는, 제1국 애플리케이션을 통한 글로벌 금융서비스에 가입한 제1국 사용자에 대한 고객정보를 제1국 플랫폼 사업자 서버(130)로부터 수신하여, 고객정보 데이터베이스(172)를 저장할 수 있다.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.
다양한 실시예에 따른 제1국 애플리케이션을 통한 글로벌 금융서비스는, 환전서비스, 계좌이체 서비스, 제1국 가맹점 결제 서비스, 제2국 가맹점 결제 서비스 등을 포함할 수 있다. 제1국 통화에서 제2국 통화로의 환전서비스 뿐만 아니라, 제1국 통화에서 DF(Deliverable Forward) 통화와 같은 제3국 통화로의 환전서비스도 포함될 수 있다. The global financial service through the first country application according to various embodiments 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. In addition to the exchange service from the first country currency to the second country currency, the exchange service from the first country currency to the third country currency such as a DF (Deliverable Forward) call may be included.
다양한 실시예에 따른 제1국 애플리케이션을 이용한 금융서비스 중에서, 제1국 통화에서 제2국 통화로의 환전서비스가 제공되기 위한 구체적인 프로세스가 도 2를 참조하여 상술된다. Among financial services using a first station application according to various embodiments, a specific process for providing a currency exchange service from a first country currency to a second country currency is described in detail with reference to FIG. 2.
단계 211에서, 제1국 플랫폼 사업자 서버(130)의 가입 신청 처리부(132)는, 제1국 애플리케이션의 제1국 사용자로부터 접수된 제1국 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리할 수 있다. In operation 211, 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.
가입 신청 처리부(132)는, 금융서비스에 대한 제1국 사용자의 가입신청을 처리하면, 제1국 은행서버(110) 및 제2국 플랫폼 사업자 서버(170)에게 제1국 사용자에 대한 고객정보를 전송할 수 있다. When the subscription application processing unit 132 processes the subscription request of the user of the first country for the financial service, 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.
단계 213에서, 제1국 플랫폼 사업자 서버(130)의 가입 신청 처리부(132)는, 제1국 은행서버(110)의 가상계좌 개설 요청부(112)에게, 제1국 플랫폼 사업자 서버(130)에 대해 설정된 모계좌를 기초로 하는 제1국 사용자에 대한 제1국 가상계좌의 개설요청을 전송할 수 있다. In 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.
가입 신청 처리부(132)는, 제1국 은행서버(110)의 가상계좌 개설 요청부(112)에게, 제1국 사용자를 위한 제2국 가상계좌의 개설요청과 함께 제1국 사용자에 대한 고객정보를 전송할 수 있다. 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.
제1국 사용자가 금융서비스를 이용하기 위해 제1국 플랫폼 사업자 서버(130)에게 선불충전금액을 미리 지불하면, 제1국 은행서버(110)는 제1국 플랫폼 사업자 서버(130)의 모계좌로 선불충전금액을 입금처리하고, 제1국 가상계좌로 선불충전금액을 이체시킬 수 있다. 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.
단계 215에서, 제1국 플랫폼 사업자 서버(130)의 메시지 판독부(134)는, 제1국 애플리케이션을 통해 입력된 제1국 사용자의 채팅 메시지로부터, 제1국 가상계좌에 예치된 제1국 통화원금을 제2국 통화로 환전하기 위한 환전요청을 판독할 수 있다. 메시지 판독부(134)는, 채팅 메시지로부터 환전요청과 함께 환전요청금액을 판독할 수 있다. In 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.
단계 217에서, 제1국 플랫폼 사업자 서버(130)의 계좌업무 요청부(136)는 제1국 은행서버(110)의 계좌업무 요청부(116)에게 환전요청을 전달할 수 있다. 단계 215에서 판독된 환전요청 및 환전요청금액에 대한 정보가 제1국 은행서버(11)에게 전송할 수 있다. In operation 217, 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.
단계 233에서, 제1국 은행서버(110)의 가상계좌개설 요청부(112)는, 단계 213에서의 제1국 플랫폼 사업자 서버(130)의 요청에 기초하여, 제1국 애플리케이션을 통한 글로벌 금융서비스에 가입한 제1국 사용자에 대해 제1국 가상계좌를 설정할 수 있다. 가상계좌 개설 요청부(112)는, 제2국 은행서버(150)의 계좌개설 요청 수신부(152)에게 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송할 수 있다. In 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.
제1국 은행서버(110)의 가상계좌 개설 요청부(112)는, 제2국 은행서버(150)의 계좌개설 요청 수신부(152)에게 가상계좌 개설 요청을 전송할 때, 수신한 제1국 사용자에 대한 고객정보를 함께 전송할 수 있다. When 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.
제1국 가상계좌 관리부(114)는, 제1국 사용자에 대한 정보 및 제1국 사용자에 대해 개설된 제1국 가상계좌에 대한 정보, 그리고 제1국 가상계좌의 모계좌에 대한 정보를 고객 데이터베이스에 저장하여 관리할 수 있다. 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.
단계 217에서 제1국 플랫폼 사업자 서버(130)로부터 전송된 환전요청에 기초하여, 단계 237에서 제1국 은행서버(110)의 계좌업무 요청부(116)는 제2국 은행서버(150)의 계좌업무 처리부(156)에게 환전요청을 전달할 수 있다. 제1국 은행서버(110)의 계좌업무 요청부(116)는 제2국 은행서버(150)의 계좌업무 처리부(156)에게, 제1국 가상계좌에 예치된 제1국 통화원금으로부터 실시간으로 환전된 제2국 통화가 제2국 가상계좌로 입금되도록 입금처리를 요청할 수 있다. Based on the exchange request transmitted from the first station platform operator server 130 in step 217, in step 237, 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.
제1국 은행서버(110)는, 제1국 플랫폼 사업자 서버(130)의 계좌업무 요청부(136)로부터 전송된 환전요청에 따른 환전요청금액에 대한 정보를 포함하는 환전요청 전문을, 제2국 은행서버(150)의 계좌업무 처리부(156)에게 전송할 수 있다. 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.
단계 253에서 제2국 은행서버(150)의 계좌개설 요청 수신부(152)는, 단계 237의 제1국 은행서버(110)로부터 전송된 가상계좌 개설 요청을 수신할 수 있다. 즉, 제1국 애플리케이션을 통한 글로벌 금융서비스에 제1국 사용자가 가입함에 따라 제2국에서의 계좌업무가 가능하도록, 제2국 은행서버(150)의 계좌개설 요청 수신부(152)는 제1국 사용자에게 제2국 가상계좌를 개설하도록 요청받을 수 있다. In step 253, 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.
단계 237에서 제1국 플랫폼 사업자 서버(130)로부터 제1국 은행서버(110)에게 전송된 제1국 사용자를 위한 환전요청을 기초로, 단계 257에서 제2국 은행서버(150)의 계좌업무 처리부(156)는 제1국 은행서버(110)로부터 환전요청금액에 대한 정보 및 및 입금요청을 포함하는 거래전문을 수신할 수 있다. Based on the exchange request for the user of the first station transmitted from the first station platform operator server 130 to the first station bank server 110 in step 237, the accounting service of the second station bank server 150 in step 257. 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.
일 실시예에 따르면 제1국 은행서버(110)의 계좌업무 요청부(116)는 환전요청을 수신됨에 따라 실시간으로 제1국 통화인 환전요청금액에 제1국 환율을 적용하여 제2국 통화로 환전하고, 계좌업무 요청부(116)는 제2국 은행서버(150)의 계좌업무 처리부(156)에게 제2국 통화인 환전금액을 송금하고 제2국 가상계좌로 입금처리하도록 요청할 수 있다. 제1국 은행서버(110)는 환전원금으로부터 환전 수수료를 수취하고 남은 환전금액을 제2국 은행서버(150)로 송금할 수 있다. According to one embodiment, 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. In addition, 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.
일 실시예에 따르면 제1국 은행서버(110) 의 계좌업무 요청부(116)는 환전요청을 수신됨에 따라 실시간으로 제2국 은행서버(150)의 계좌업무 처리부(156)에게 환전요청을 전달하고 제1국 가상계좌에 예치된 환전요청금을 제2국 은행서버(150)의 제2국 가상계좌로 송금할 수 있다. 제2국 은행서버(150)의 계좌업무 처리부(156)는, 제1국 통화인 환전요청금에 환전요청시점의 제2국 환율을 적용하여 제2국 통화로 환전하고, 제2국 가상계좌로 입금처리할 수 있다. 제2국 은행서버(150)는 환전원금으로부터 환전 수수료를 수취하고 남은 환전금액을 제2국 가상계좌에 입금처리할 수 있다.According to an embodiment, 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.
다른 예로, 제1국 은행서버(110)와 제2국 은행서버(150)는 소비자에게 더 유리한 환율을 선택적으로 적용하여 제1국 통화원금을 제2국 통화로 환전할 수 있다. As another example, the 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.
제1국 통화가 제2국 통화로 환전되는 경우에는, 일반적으로 제1국에서의 환율보다 제2국의 환율이 소비자에게 유리할 수 있다. 이에 따라 제1국 은행서버(110)의 계좌업무 요청부(116)는 제2국 은행서버(150)의 계좌업무 처리부(156)에게 환전요청을 전달하고, 제1국 가상계좌에 예치된 제1국 통화원금이 제2국 가상계좌로 이체시킬 수 있다. 제2국 은행서버(150)의 계좌업무 처리부(156)는, 제2국 가상계좌에 입금된 제1국 통화원금에 제2국 환율을 적용하여 제2국 통화로 환전처리하고, 환전금액을 제2국 가상계좌로 이체 처리할 수 있다.When the currency of the first country is exchanged for the currency of the second country, the exchange rate of the second country may generally be advantageous to the consumer over the exchange rate in the first country. Accordingly, 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.
만일 제1국에서의 환율이 제2국에서의 환율보다 소비자에게 더 유리한 경우에는, 제1국 은행서버(110)의 계좌업무 요청부(116)가 제1국 가상계좌에 예치된 제1국 통화원금에 제1국 환율을 적용하여 제2국 통화로 환전한 후, 제2국 은행서버(150)의 계좌업무 처리부(156)에게 제2국 가상계좌로 제2국 통화인 환전금액을 입금하도록 요청할 수 있다. If the exchange rate in the first country is more favorable to the consumer than the exchange rate in the second country, 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.
제2국 가상계좌로 예치된 제2국 환전금액을 기초로 제1국 사용자가 제2국에서 계좌를 이용한 금융서비스를 제공받을 수 있다.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.
환전을 처리하는 은행서버는 제1국 사용자에게 소정의 환전 수수료를 부과할 수 있다. 예를 들어, 원금에 환율을 적용한 환전원금에서 환전 수수료만큼 감액된 금액이 환전금액으로서 제1국 사용자에게 제공될 수 있다. 환율 뿐만 아니라 환전 수수료의 측면에서도, 온라인 애플리케이션을 이용하여 접수된 환전요청이므로, 오프라인 환전요청보다 상대적으로 낮은 환전 수수료가 결정될 수 있다. 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. In terms of 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.
다양한 실시예에 따르면 제2국 은행서버(150)의 계좌업무 처리부(156)는, 제2국 내 오프라인 루트 또는 온라인 루트를 통해 제1국 사용자로부터 제2국 가상계좌에 대한 계좌업무 요청을 수신할 수 있다. According to various embodiments, 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.
계좌업무 처리부(156)는, 제1국 플랫폼 사업자 서버(130), 제1국 은행서버(110) 및 제2국 플랫폼 사업자 서버(170) 중 적어도 하나에 등록된 제1국 사용자의 고객정보에 기초하여 본인인증을 수행할 수 있다. 본인인증이 완료되면, 계좌업무 처리부(156)는 제2국 가상계좌에 예치된 제2국 통화인 환전금액을 기초로 계좌업무 요청을 처리할 수 있다. 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.
단계 211 및 213에서 제1국 사용자가 제1국 애플리케이션을 이용한 금융서비스에 가입처리됨에 따라 제1국 사용자에게 제1국 가상계좌가 설정되면, 단계 271에서 제2국 플랫폼 사업자 서버(170)는 제1국 플랫폼 사업자 서버(130)로부터 제1국 사용자에 대한 회원가입정보 또는 고객정보를 수신할 수 있다. 수신된 회원가입정보 또는 고객정보는 제2국 플랫폼 사업자 서버(170)의 고객정보 데이터베이스(172)에 저장될 수 있다. When the first station virtual account is set up for the first station user as the first station user is subscribed to the financial service using the first station application in steps 211 and 213, the second station platform operator server 170 in step 271. The first station platform operator server 130 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.
전술된 제1국 사용자를 위한 제1국 통화에서 제2국 통화로의 환전서비스 뿐만 아니라, 제1국 사용자를 위한 제2국 통화에서 제1국 통화로의 재환전서비스도 가능하다. 제1국 플랫폼 사업자 서버(130)가, 제1국 애플리케이션을 통해 입력된 제1국 사용자의 채팅 메시지로부터, 제2국 가상계좌에 예치된 제2국 통화의 잔금을 제1국 통화로 다시 환전하기 위한 재환전요청을 판독할 수 있다. In addition to the exchange service from the first station call to the second station call for the first station user described above, 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.
제1국 플랫폼 사업자 서버(130)는 제1국 은행서버(110)에게 제1국 사용자의 재환전요청을 전송하고, 제1국 은행서버(110)는 제2국 은행서버(150)에게 재환전요청을 전달할 수 있다. 또는 제1국 플랫폼 사업자 서버(130)는 제2국 은행서버(130)에게 직접 제1국 사용자의 재환전요청을 전송할 수도 있다. 재환전 요청을 수신한 제2국 은행서버(130)는, 제2국 가상계좌의 잔금을 제1국 가상계좌로 이체처리하고 제1국 은행서버(110)에게 제2국 통화인 이체금액을 제1국 통화로 재환전하도록 요청할 수 있다. 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. Alternatively, 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. Receiving the request for re-exchange, the second country bank server 130 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.
제1국 은행서버(110)는, 제1국 가상계좌로 입금된 제2 가상계좌의 잔금에 제1국 환율을 적용하여 제1국 통화로 다시 환전하고, 환전된 금액을 제1국 가상계좌에 입금처리할 수 있다. 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.
이상 도 1 및 2를 참조하여 제1국 플랫폼 사업자 서버(130)가 제1국 사용자를 위해 애플리케이션을 통해 제1국 및 제2국에서 계좌업무가 가능한 금융서비스를 제공하는 예를 상술하였다. 하지만 도 1 및 2는 설명의 편의를 위해 제1국 플랫폼 사업자 서버(130)만이 제1국 애플리케이션을 이용한 금융서비스를 제공하는 경우를 예시했을 뿐임에 유의하여야 한다. 1 and 2, 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. However, it should be noted that 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.
예를 들어, 제2국 플랫폼 사업자 서버(170)도 직접 운영하는 제2국 애플리케이션에 가입한 제2국 사용자를 위해 제2국 애플리케이션을 이용한 금융서비스를 제공할 수 있다. 따라서, 제1국에서 제1국 플랫폼 사업자 서버(170)는 제1국 사용자를 위해 제1국 및 제2국에서 계좌업무가 가능하도록 하는 글로벌 금융서비스를 제공하고, 동시에 제2국에서 제2국 플랫폼 사업자 서버(130)는 제2국 사용자를 위해 제2국 및 제1국에서 계좌업무가 가능하도록 하는 글로벌 금융서비스를 제공할 수 있다. For example, 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.
따라서, 양국 플랫폼 사업자 서버 및 은행서버 간의 협업 관계 및 계약 관계가 기초된다면, 양국 사용자에게 상대국가에서의 계좌업무가 처리될 수 있다. 또한, 2개국 이상의 다수 국가의 플랫폼 사업자 서버 및 은행서버 간의 협업 관계 및 계약 관계가 기초된다면, 다국가 사용자들이 커뮤니케이션 애플리케이션을 이용하여, 자국 통화를 다양한 국가 통화로 환전하여 대상국가 계좌로 이체하는 환전서비스를 제공하거나, 다양한 계좌업무 서비스를 제공하는 플랫폼 사업자 서버 및 은행서버에게로, 본 발명의 기술적 사상이 확장되어 해석될 수 있을 것이다. Therefore, if the cooperation relationship and the contract relationship between the platform server and the bank server of the two countries is based, accounting in the other country can be handled by the users of both countries. In addition, if the cooperation and contractual relationship between platform operator servers and banking servers of two or more countries is based, multi-national users can use a communication application to exchange their currencies into various national currencies and transfer them to the target country's account. The technical spirit of the present invention may be extended and interpreted to a platform operator server and a bank server that provide a service or provide various accounting services.
전술한 바와 같이, 제1국 사용자가 애플리케이션에 입력한 채팅 메시지로부터 금융거래 요청을 판독할 수 있다. 도 3는, 일 실시예에 따라 애플리케이션을 통해 사용자가 환전을 요청하는 메시지가 입력된 인터페이스 화면(380)을 도시한다. As described above, it is possible to read the financial transaction request from the chat message entered by the user of the first country into the application. 3 illustrates an interface screen 380 in which a message for requesting currency exchange by a user through an application is input.
설명의 편의를 위해 채팅메시지나 기타 문자가 한글로 기재되어 있으나, 제1국은 반드시 '한국'으로 한정되는 것은 아니다. For convenience of explanation, chat messages or other characters are written in Korean, but the first country is not necessarily limited to 'Korea'.
인터페이스 화면(380)은 제1국 플랫폼 사업자 서버(130)에 의해 운영되는 제1국 애플리케이션인 메신저 프로그램의 채팅창에 해당한다. '홍길동'은 제1국 사용자로서 메신저 프로그램의 회원이면서, 메신저 프로그램이 제공하는 실시간 환전 서비스에 유효하게 가입된 회원이다. 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.
'홍길동'이 실시간 환전 서비스에 대해 억세스를 시도하면, 제1국 플랫폼 사업자 서버(130)는 억세스 시도에 대해 본인인증을 수행할 수 있다. 본인인증이 성공하면 인터페이스 화면(380)에 실시간 시간 환전 서비스에 유효하게 억세스되었음을 알리는 안내 메시지(385)가 표시될 수 있다. When Hong Gil-dong attempts to access the real-time currency exchange service, 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.
제1국 플랫폼 사업자 서버(130)는 금융서비스를 요청하기 위한 채팅메시지들에 대한 정보가 수록된 메시지 데이터베이스를 구비할 수 있다.The first country platform operator server 130 may include a message database that contains information on chat messages for requesting financial services.
제1국 플랫폼 사업자 서버(130)는 '홍길동'에 의해 입력되는 모든 채팅메시지를 메시지 데이터베이스와 대조하여, 현재 채팅메시지가 금융서비스를 요청하기 위한 메시지였는지 결정할 수 있다. 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.
메시지 데이터베이스에 수록되어 금융서비스를 요청하기 위한 채팅메시지로 해석가능한 입력메시지는, 자음, 모음, 단어, 구, 절, 문장과 같은 형태상의 제한은 없다. 예를 들어, 도 3에서 입력메시지(390) 중에서 '환전해주세요', '환전', '원화로', '엔/원' 중 적어도 하나가 메시지 데이터베이스에 수록되어 있었다면, 메시지 판독부(134)는 입력메시지(390)를 환전요청메시지로 결정할 수 있다. 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. For example, in FIG. 3, if at least one of 'Please exchange', 'Exchange', 'Won', 'Yen / Won' among the input messages 390 is included in the message database, the message reader 134 may The input message 390 may be determined as a currency exchange request message.
또한, 메시지 데이터베이스에 수록되어 금융서비스를 요청하기 위한 채팅메시지로 해석가능한 입력메시지가, 반드시 완성된 문자이거나 유효한 의미가 있는 글자일 필요는 없다. 예를 들어, 반드시 뜻이 있는 글자여야 하는 것은 아니다. 또한, 반드시 초성, 중성이 모두 구비되어야 하는 것은 아니다. 자음 또는 모음만으로 구성된 문자일 수도 있다. In addition, 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. In addition, both the initial and the neutral are not necessarily provided. It may also be a letter consisting of consonants or vowels only.
또한, 메시지 데이터베이스에 수록되어 금융서비스를 요청하기 위한 채팅메시지로 해석가능한 입력메시지가, 텍스트 메시지에 한정되지 않는다. 이모티콘, 음성/음향 메시지, 이미지, 비디오 등 다양한 포맷의 메시지가 금융서비스를 요청하기 위한 채팅메시지로서 이용될 수 있다. In addition, 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.
또한, 제1국 플랫폼 사업자 서버(130)의 메시지 판독부(134)는 입력메시지(390)로부터 환전대상통화와 환전요청금액도 판독할 수 있다. 메시지 데이터베이스에, 환전대상통화 및 환전요청금액으로 해석가능한 입력메시지에 대한 데이터도 수록되어 있을 수 있다. In addition, 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. In 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.
제1국 플랫폼 사업자 서버(130)의 메시지 판독부(134)가 메시지 데이터베이스에 기초하여, 제1국 사용자의 입력메시지(390)로부터 금융서비스 요청의사를 판독하면, 제1국 은행서버(110)에게 제1국 사용자의 환전요청을 전달하고, 제1국 은행서버(110)는 제2국 은행서버(120)와 통신하여 환전거래를 처리할 수 있다.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.
일 실시예에 따라 일본 계좌나 한국 계좌에 예치되는 금액은 엔화 및 원화의 현금 자체일 수 있다. 다른 실시예에 따르면 일본 가상계좌나 한국 가상계좌에 예치되는 금액은 사이버머니일 수 있다. 다만, 온라인 공간에서 온라인 뱅킹이나 온라인 쇼핑을 할 때 실제 화폐처럼 사용되는 온라인 전용화폐로 한정되는 것은 아니다. 제1국 은행서버(110)나 제2국 은행서버(150)의 오프라인 영업점이나 자동화기기에서 일본 가상계좌나 한국 가상계좌에 대한 본인인증이 성공하면, 실제 화폐가 출금될 수 있다. 또한, 제1국 플랫폼 사업자와 협업관계인 오프라인 가맹점에서 일본 가상계좌나 한국 가상계좌를 기초로 하는 신용결제도 가능할 수 있다. According to an embodiment, the amount deposited in a Japanese account or a Korean account may be cash in yen and won. According to another embodiment, the amount deposited in the Japanese virtual account or the Korean virtual account may be cyber money. However, 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.
또한, 다른 실시예에 따르면 커뮤니케이션 애플리케이션이 설치된 단말기가, 애플리케이션을 통해 입력된 채팅메시지가 금융서비스 요청을 위한 메시지를 포함하는지 결정할 수 있다. 이 경우에는 단말기에 메시지 데이터베이스가 구비되어, 애플리케이션을 통해 입력된 메시지와 메시지 데이터베이스에 수록된 메시지를 비교하면서, 금융서비스 요청을 위한 메시지를 판독할 수도 있다. 이 경우에는 단말기가 채팅메시지로부터 금융서비스 요청을 판독하여 제1국 플랫폼 사업자 서버(130)에게 전송할 수 있다.In addition, according to another embodiment, 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. In this case, 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. In this case, the terminal may read the financial service request from the chat message and transmit it to the first station platform operator server 130.
이하, 도 4a 및 4c를 참조하여, 일본 플랫폼 사업자에 의해 메신저 프로그램과 같은 모바일 서비스가 운영되는 경우에, 단말기를 이용하여 모바일 서비스에 가입한 일본고객에게, 일본 모바일 서비스의 서브 서비스인 환전서비스가 제공되는 프로세스가 상술된다. 도 4a 및 4c에서의 제1국은 '일본'이며 제2국은 '한국'을 나타낸다. Hereinafter, referring to FIGS. 4A and 4C, when a mobile service such as a messenger program is operated by a Japanese platform operator, 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. In FIG. 4A and FIG. 4C, the first country is 'Japan' and the second country is 'Korea'.
도 4a는, 일 실시예에 따라 일본 플랫폼 사업자가 제공하는 애플리케이션의 일본고객이 글로벌 금융서비스에 가입하는 프로세스를 도시한다. 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.
일본의 제1국 플랫폼 사업자 서버(130)는 일본 모바일 서비스를 제공하고, 일본 모바일 서비스는 서브 서비스로서 '금융서비스'를 포함할 수 있다. 이하 모바일 서비스의 금융서비스를 '커뮤니케이션 금융서비스'로 지칭한다. 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. Hereinafter, financial services of mobile services are referred to as 'communication financial services'.
단계 310에서, 제1국 플랫폼 사업자 서버(130)는 일본고객의 단말기(300)로부터 '금융서비스'에 대한 가입신청을 수신할 수 있다. 이에 따라 제1국 플랫폼 사업자 서버(130)는 금융서비스에 대한 가입신청을 처리하고, 가입완료 내역을 일본고객의 단말기(300)로 전송할 수 있다. In operation 310, 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.
또한, 일본의 제1국 플랫폼 사업자 서버(130)는, 애플리케이션을 이용한 금융서비스에 가입한 일본고객에 대한 고객정보 및 가입사실에 대한 정보를 한국의 제2국 플랫폼 사업자 서버(170)에게 전달할 수 있다. 단계 316에서, 제1국 플랫폼 사업자 서버(130)는, 애플리케이션을 이용한 커뮤니케이션 금융서비스에 가입한 고객들에 대한 정보를 관리할 수 있다. In addition, 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. In operation 316, the first country platform operator server 130 may manage information on customers who have subscribed to a communication financial service using an application.
제1국 플랫폼 사업자 서버(130)는 일본고객의 금융서비스 가입완료 내역을 일본의 제1국 은행서버(110)에게 전송할 수 있다. 제1국 플랫폼 사업자 서버(130)는, 제1국 은행서버(110)에게 일본고객의 아이디를 포함하는 가입고객정보를 전송하고, 일본고객을 위한 계좌개설을 요청할 수 있다. 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.
이에 따라 단계 312에서 제1국 은행서버(110)는 제1국 플랫폼 사업자 서버(130)에 대해 설정된 모계좌를 기초로 일본고객에 대한 일본 가상계좌를 개설하고, 제1국 사용자에게 일본 가상계좌의 사용권한을 설정할 수 있다. Accordingly, in step 312, 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.
제1국 은행서버(110)는 제1국 플랫폼 사업자 서버(130)에게 일본고객의 가상계좌 사용이 허가됨을 통보할 수 있다. 이에 따라 일본고객은 일본 가상계좌에 소정금액을 미리 충전할 수 있다. 선불충전금액도 최대 한도금액 이내에서 입금될 수 있다. 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.
커뮤니케이션 금융서비스가 엔화와 원화 간의 환전서비스를 포함할 수 있다. 제1국 은행서버(110)는 일본고객을 위한 일본 가상계좌를 개설하고, 한국의 제2국 은행서버(150)에 대해서 일본고객을 위한 한국 가상계좌를 개설하도록 요청할 수 있다. 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.
이에 따라 단계 314에서, 한국의 제2국 은행서버(150)는 커뮤니케이션 금융서비스에 가입한 일본고객을 위해 한국 가상계좌를 개설할 수 있다. 한국의 제2국 은행서버(150)가 개설한 한국 가상계좌는 한국의 제2국 플랫폼 사업자 서버(170)에 대해 설정된 한국 모계좌를 기초로, 일본고객에게 설정될 수 있다.Accordingly, in step 314, 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.
도 4b는, 일 실시예에 따라 일본고객이 애플리케이션을 통해 엔화를 원화로 환전하기 위한 프로세스를 도시한다. 4B illustrates a process for a Japanese customer to exchange yen into Japanese currency through an application, according to one embodiment.
커뮤니케이션 금융서비스는 '환전하기' 서비스를 포함할 수 있다. 단계 330에서 일본의 제1국 플랫폼 사업자 서버(130)는 일본고객의 단말기(300)로부터 '환전하기' 서비스에 대한 이용요청을 수신할 수 있다. 제1국 플랫폼 사업자 서버(130)는 일본고객의 애플리케이션을 통해 입력된 채팅 메시지로부터 한국통화로의 환전요청을 판독하고, 환전요청 통화 및 환전요청 금액을 결정할 수 있다. 또 다른 예로, 일본고객의 단말기(300)에서, 애플리케이션 인터페이스에 구비된 다양한 메뉴들 중에서 '환전하기' 메뉴가 선택됨을 나타내는 선택정보를 수신할 수도 있다. Communication financial services may include 'changing money' services. In operation 330, 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. As another example, 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.
제1국 플랫폼 사업자 서버(130)는 일본고객의 단말기(300)로부터 수신된 환전요청에 기초하여, 일본의 제1국 은행서버(110)에게 일본고객의 환전요청, 환전통화 및 환전요청 금액을 포함하는 환전요청 전문을 전송할 수 있다. 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.
제1국 은행서버(110)에서 환전처리되거나, 또는 제2국 은행서버(150)에서 환전처리되는 두 가지 실시예가 가능하다.Two embodiments may be exchanged at the first bank server 110 or exchanged at the second bank server 150.
일 실시예에 따르면 단계 332에서, 제1국 은행서버(110)는 일본 가상계좌에 예치된 환전요청금액에 대해 환전요청 시점의 환율을 적용하여 원화로 환전할 수 있다. 환전요청금액은 일본 가상계좌에 예치된 금액 이내인 것이 바람직하다. 제1국 은행서버(110)는 환전한 원화를 일본 가상계좌에서 한국 가상계좌로 이체요청할 수 있다. According to an embodiment, in step 332, 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.
다른 실시예에 따르면 단계 331에서 제1국 은행서버(110)는 한국의 제2국 은행서버(150)에게 일본고객의 일본 가상계좌에 충전된 소정금액에 대한 환전하도록 환전요청을 전달할 수 있다. 제1국 은행서버(110)는 일본 가상계좌에 예치된 일본통화인 환전요청금액을 한국 가상계좌로 송금처리할 수 있다. 단계 333에서, 제2국 은행서버(150)는 한국 가상계좌로 이체된 일본통화에 환전요청 시점의 환율을 적용하여 한국통화로 환전할 수 있다. According to another exemplary embodiment, in operation 331, 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. In operation 333, 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.
단계 331 및 332에서 환율은, 환전처리되는 국가에서의 환율이거나 고객에게 유리한 환율로 결정될 수 있다. In steps 331 and 332, 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.
단계 334에서 제2국 은행서버(150)는, 한국 가상계좌에 원화인 환전금액을 보유할 수 있다. 단계 336에서, 제2국 은행서버(150)의 자동화기기(ATM)에서 한국 가상계좌에 대한 출금요청이 접수되면, 제2국 은행서버(150)는 요청자에게 소정의 본인인증을 요청할 수 있다. 제1국 플랫폼 사업자 서버(130)의 애플리케이션을 이용한 금융서비스에 가입한 일본고객임이 본인인증을 통하여 확인되면, 제2국 은행서버(150)는 자동화기기를 통한 출금요청액을 한국 가상계좌로부터 출금하도록 처리할 수 있다. In operation 334, the second country bank server 150 may maintain a currency exchange amount in Korean Won in the Korean virtual account. In operation 336, when the withdrawal request for the Korean virtual account is received at the automated device ATM of the second country bank server 150, 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.
따라서, 일본고객은, 한국으로 오기 전이나 여행, 체류 도중에 애플리케이션을 이용하여, 일본 가상계좌에 예치된 엔화를 원화로 환전할 것을 요청하면, 한국 가상계좌에 원화로 환전된 금액이 입금될 수 있다. 또한, 일본고객은 한국에서 제2국 은행서버(150)의 자동화기기나 영업점에서 본인인증을 거쳐 한국 가상계좌로부터 한국통화의 출금서비스를 제공받을 수 있다. Therefore, when a Japanese customer requests the exchange of Japanese yen deposited in a Japanese virtual account into Korean Won, 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. . In addition, 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.
일본 가상계좌 및 한국 가상계좌 간에 환전금액의 송금이 요청되는 경우에 즉시 대상계좌에 환전금액이 입금되지 않고 일정 처리기간이 있을 수 있다. 이 경우에는 애플리케이션의 '조회하기' 기능을 이용하여 송금한 환전금액이 확인될 수 있다. If 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.
또한, 본인인증에 성공한 일본고객은 한국 가상계좌에 대한 출금요청, 조회요청 이외에도 다양한 계좌업무 서비스를 요청할 수 있다.In addition, Japanese customers who have successfully authenticated themselves can request a variety of accounting services in addition to withdrawal and inquiry requests for Korean virtual accounts.
앞서 도 4a 를 참조하여 설명한 실시예에서는 일본고객이 금융서비스에 가입처리되면, 제1국 은행서버(110) 및 제2국 은행서버(150)에서 각각 일본고객에 대해 가상계좌가 설정된다. 다른 실시예에 따르면, 금융서비스 일본고객이 금융서비스에 가입되더라도 환전요청이 접수되어야 환전통화가 결정될 수 있다. 따라서, 일본고객이 금융서비스에 가입한 시점에서는 제1국 은행서버(110)에서만 일본고객에 대해 가상계좌가 설정되고, 추후 환전요청이 접수되면 제1국 은행서버(110)가 환전통화에 해당하는 제2국 은행서버(150)에게 제2국 가상계좌를 개설하도록 요청할 수도 있다. In the embodiment described with reference to FIG. 4A, when a Japanese customer subscribes to a financial service, a virtual account is set for each Japanese customer in the first and second bank servers 110 and 150. According to another embodiment, even if a financial service Japanese customer is subscribed to financial services, 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.
도 4c는, 일 실시예에 따라 일본고객이 애플리케이션을 통해 원화를 엔화로 재환전하기 위한 프로세스를 도시한다. 4C illustrates a process for a Japanese customer to exchange Korean won to Japanese yen via an application, according to one embodiment.
커뮤니케이션 금융서비스는 '재환전하기' 서비스를 포함할 수 있다. 단계 350에서 일본의 제1국 플랫폼 사업자 서버(130)는 일본고객의 단말기(300)로부터 '재환전하기' 서비스에 대한 이용요청을 수신할 수 있다. 제1국 플랫폼 사업자 서버(130)는 일본고객의 애플리케이션을 통해 입력된 채팅 메시지로부터 원화잔금의 재환전요청을 판독할 수 있다. 이 경우에도 메시지 데이터베이스에 수록된 메시지들과 입력된 메시지를 비교하여, 재환전요청을 위한 메시지임이 결정될 수 있다. 또 다른 예로, 일본고객의 단말기(300)에서, 애플리케이션 인터페이스에 구비된 다양한 메뉴들 중에서 '재환전하기' 메뉴가 선택됨을 나타내는 선택정보를 수신할 수도 있다. Communication financial services may include 're-exchange' services. In operation 350, 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. In this case, the message included in the message database may be compared with the input message to determine that the message is for re-exchange request. As another example, 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.
제1국 플랫폼 사업자 서버(130)가 '재환전하기' 요청을 수신함에 따라 단계 360에서 제2국 은행서버(150)는 한국 가상계좌에 원화 잔금에 대해 재환전 요청 시점의 환율을 적용하여 엔화로 환전할 수 있다. 환전된 금액은 한국 가상계좌로부터 일본 가상계좌로 이체될 수 있다. As the first country platform operator server 130 receives the 're-exchange' request, in step 360, 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.
다른 실시예에 따르면, 제2국 은행서버(150)는 일본의 제1국 은행서버(110)에게 일본고객의 한국 가상계좌에 남아있는 원화에 대한 환전을 요청할 수 있다. 제2국 은행서버(150)는 한국 가상계좌의 원화 잔금을 일본 가상계좌로 이체하고, 제1국 은행서버(110)에게 재환전요청 시점에 환율을 이체금액에 적용하여 엔화로 환전하도록 요청할 수 있다. According to another embodiment, 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.
단계 360에서 환율은, 환전처리되는 국가에서의 환율이거나 고객에게 유리한 환율로 결정될 수 있다.In step 360, 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.
이에 따라 단계 370에서, 제1국 은행서버(110)의 일본 가상계좌에 일본통화인 재환전금액이 다시 적립될 수 있다. Accordingly, in step 370, the Japanese currency re-exchange amount may be accumulated in the Japanese virtual account of the first country bank server 110 again.
일본고객이 한국에서 다 사용하지 못한 원화잔금이 엔화로 재환전되어 일본 가상계좌로 재충전되므로, 일본고객이 일본으로 복귀한 후 일본 가상계좌를 기초로 하는 계좌업무 서비스를 다시 제공받을 수 있다. 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.
이하, 도 5 및 6을 참조하여 모바일 서비스 애플리케이션을 이용하여 자국내의 계좌이체나 오프라인 결제 서비스를 제공하는 프로세스가 상술된다. Hereinafter, a process of providing an account transfer or an offline payment service in a home country using a mobile service application will be described in detail with reference to FIGS. 5 and 6.
도 5는, 다른 실시예에 따라 애플리케이션의 회원 간 자금을 이체하기 위한 프로세스를 도시한다. 도 5의 실시예에서는 제1국이 특정 국가로 제한되는 것은 아니다. 5 shows a process for transferring funds between members of an application according to another embodiment. In the embodiment of FIG. 5, the first country is not limited to a specific country.
커뮤니케이션 금융서비스는 '회원간 이체' 서비스를 포함할 수 있다. '회원간 이체' 서비스를 통해, 회원들의 가상계좌들 간에 자금 이체가 이루어질 수 있다. Communication financial services may include 'transition between members' services. Through the 'member to person transfer' service, funds can be transferred between members' virtual accounts.
단계 400에서 제1국 플랫폼 사업자 서버(130)는 고객1 단말기(400)로부터 '회원간 이체' 서비스에 대한 이용요청을 수신할 수 있다. 제1국 플랫폼 사업자 서버(130)는 고객1의 애플리케이션을 통해 입력된 채팅 메시지를 해석하여, 이체금액과 이체금액의 수령대상이 되는 회원의 아이디 또는 이름과 같은 회원식별정보를 결정할 수 있다. 이 경우에도 메시지 데이터베이스에 수록된 메시지들과 입력된 메시지를 비교하여, 회원간 이체 요청을 위한 메시지임이 결정될 수 있다. 또한, 회원DB와 입력된 메시지를 비교하여 이체금액의 수령대상 회원을 결정할 수 있다. In operation 400, 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. In this case, 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. In addition, the member DB and the input message can be compared to determine the target member of the transfer amount.
이에 따라 제1국 플랫폼 사업자 서버(130)는 단계 400에서 고객1이 고객2에게 소정금액을 이체하기 위한 요청을 수신할 수 있다. 제1국 플랫폼 사업자 서버(130)는 제1국 은행서버(110)에게 고객1의 회원간 이체 요청을 전달할 수 있다. Accordingly, 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.
단계 420에서 제1국 은행서버(110)의 가상계좌 플랫폼을 통해 고객1의 가상계좌의 예치금액에서 이체요청금액을 출금하여 고객2의 가상계좌로 이체예약을 설정할 수 있다. In step 420, 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.
단계 430에서, 제1국 은행서버(110)를 통해 고객2 단말기(450)로 이체정보를 전송하고, 제1국 플랫폼 사업자 서버(130)는 모바일 서비스의 '선물받기' 서비스를 통해 고객2 단말기(450)에게 선물도착 알림 정보를 전송할 수 있다. 예를 들어, 제1국 플랫폼 사업자 서버(130)는 모바일 서비스를 통해 고객2와의 대화창을 활성화하여, 고객2에게 "고객1이 선물로 충전금을 보냈습니다."라는 채팅메시지를 전송할 수 있다. 이에 따라 고객2로부터 선물받기 서비스에 대해 고객1의 선물을 수락한다는 입력을 수신하는 경우에, 제1국 은행서버(110)는 앞서 이체예약된 고객1의 이체요청금액을 고객2의 가상계좌로 이체할 수 있다. In step 430, 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. For example, 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.
도 6는, 또 다른 실시예에 따라 애플리케이션의 회원이 애플리케이션을 통해 컨텐츠를 구매하기 위한 프로세스를 도시한다.6 shows a process for a member of an application to purchase content through the application, according to another embodiment.
가맹점 서버(550)는, 제1국 플랫폼 사업자 서버(130)가 운영하는 커뮤니케이션 금융서비스를 통해 컨텐트를 매매할 수 있다. 가맹점 서버(550)는 모바일 서비스에서 컨텐트에 대한 상품소개 정보를 제공할 수 있다. 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.
일 실시예에 따른 커뮤니케이션 금융서비스는 '쇼핑하기' 서비스를 포함할 수 있다. '쇼핑하기' 서비스를 통해 이모티콘, 기프트콘 등의 온라인 컨텐트가 매매될 수 있다. Communication financial services according to an embodiment may include a 'shopping' service. Through the 'Shopping' service, online content such as emoticons and gift cones can be sold.
단계 510에서 제1국 플랫폼 사업자 서버(130)는 커뮤니케이션 금융서비스 중 '쇼핑하기' 서비스에 대한 선택입력을 고객1 디바이스(500)로부터 수신하면, 금융서비스의 가맹점인 A 쇼핑업체의 상품소개 정보를 가맹점 서버(520)로부터 획득하여 고객1 디바이스(500)에게 전송할 수 있다. 고객1 디바이스(500)의 애플리케이션은 수신한 상품소개 정보를 디스플레이할 수 있다.In operation 510, when 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.
다른 예로, 고객1 디바이스(500)로부터 '쇼핑하기' 서비스에 대한 선택입력이 수신되면, 제1국 플랫폼 사업자 서버(130)는 가맹점 서버(520)에게 고객1 디바이스(500)로 상품소개 정보를 전송하도록 요청할 수 있다. As another example, 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.
고객1 디바이스(500)에서 애플리케이션을 통해 A 쇼핑업체의 상품소개 정보에 대한 사용자 구매요청이 발생하면, 고객1 디바이스(500)는 모바일 서비스 결제모듈을 호출할 수 있다. 고객1 디바이스(500)에서 모바일 서비스 중 "금융서비스 결제" 서비스에 대한 선택입력이 수신되면, 고객1 디바이스(500)로부터 구매상품에 대한 결제 요청이 제1국 플랫폼 사업자 서버(130)에게 전송될 수 있다. When the user purchase request for the product introduction information of the shopping company A occurs through the application on the customer 1 device 500, the customer 1 device 500 may call the mobile service payment module. When the customer 1 device 500 receives the selection input for the “financial service payment” service among the mobile services, 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.
제1국 플랫폼 사업자 서버(130)를 통해 제1국 은행서버(110)가 고객1 디바이스(500)의 결제요청을 수신하면, 단계 540에서 제1국 은행서버(110)의 가상계좌 플랫폼은, 고객1의 가상계좌에 예치된 충전금을 기초로 고객1의 결제요청을 승인할 수 있다. 이에 따라 제1국 은행서버(110)는 가상계좌의 충전금 중에서 결제금액을 가맹점 서버(550)에게 설정된 계좌로 이체하며 결제금액을 정산할 수 있다. When the first station bank server 110 receives the payment request of the customer 1 device 500 through the first station platform operator server 130, in step 540, 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.
도 6에서 모바일 애플리케이션을 통한 온라인 컨텐트 구매 서비스만을 예시하였지만 이와 유사하게 오프라인 가맹점의 신용결제도 가능할 수 있다. 예를 들어, 신용카드사 서버와 제1국 플랫폼 사업자 서버(130) 간의 제휴를 통해, 제1국 플랫폼 사업자 서버(130)의 회원인 고객1에게 설정된 제1국 은행서버(110)의 제1국 가상계좌를 선불카드에 연결시킬 수 있다. 이에 따라 고객1이 선불카드를 이용하여 오프라인 가맹점에서 결제를 요청한다면 제1국 가상계좌에 예치된 충전금액으로부터 결제금액이 정산 처리될 수 있다. In FIG. 6, only an online content purchase service through a mobile application is illustrated, but similarly, an offline merchant may be able to make a credit payment. For example, 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.
도 7은, 또 다른 실시예에 애플리케이션의 회원이 타국에서 발급신청한 선불카드를 이용하여 국내 가맹점에서 결제하기 위한 프로세스를 도시한다. 도 7의 실시예에서 '제1국'은 일본이고, '제2국'은 한국을 나타낸다.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. In the embodiment of Figure 7, 'first country' is Japan, and 'second country' is Korea.
제1국 플랫폼 사업자 서버(130)는 제2국의 오프라인 가맹점과 제휴하여, 제1국 플랫폼 사업자 서버(130)가 운영하는 커뮤니케이션 금융서비스의 일본고객이 제2국 가맹점에서 상품구매금액을 결제할 수 있도록 하는 선불카드 서비스를 제공할 수 있다. 이를 위해 일본고객에게 국내 선불카드가 발급되고, 국내 오프라인 가맹점에서 일본고객에게 발급된 국내 선불카드를 이용한 결제가 처리될 수 있도록, 제1국 플랫폼 사업자 서버(130), 제1국 은행서버(110), 제2국 은행서버(150), 제2국 플랫폼 사업자 서버(170), 신용카드사 서버(630), 제휴사 서버(660) 간에 협업 네트워킹이 필요하다.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.
앞서 다양한 실시예를 참조하여 전술한 바와 같이 제1국 플랫폼 사업자 서버(130)가 운영하는 커뮤니케이션 금융서비스에 가입한 일본고객에 대해 일본 가상계좌 및 한국 가상계좌가 설정될 수 있다. 일본 가상계좌에 예치된 충전금이 원화로 환전되어 한국 가상계좌에 이체될 수 있다. As described above with reference to various embodiments, 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.
일본고객은 국내은행 지점(640)에서, 커뮤니케이션 금융서비스를 위해 일본고객에게 할당된 국내 가상계좌와 연결가능한 선불카드를 신청하고 교부받을 수 있다. 선불카드는 체크카드와 유사한 카드로서, 선불카드에 연계된 계좌의 예측금액 이내에서 선불카드를 이용한 대금결제가 승인될 수 있다.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.
선불카드는 신용카드사에서 제작되었으나 은행 영업점에서 교부될 수 있다. 신용카드사와 한국의 오프라인 가맹점들과 가맹 계약에 기초하여, 신용카드사 서버(630)에는 선불카드를 사용할 수 있는 국내 가맹점들에 대한 데이터베이스를 구비할 수 있다. 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.
일본고객은 고객 단말기(600)를 통해 커뮤니케이션 금융서비스에 선불카드의 발급을 등록함으로써 선불카드 사용이 개시될 수 있다. 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.
단계 610에서, 커뮤니케이션 금융서비스는 '카드 등록하기' 서비스를 포함할 수 있다. 고객 단말기(600)는 커뮤니케이션 금융서비스를 위한 애플리케이션의 '카드 등록하기' 메뉴를 통해, 교부된 선불카드의 카드번호 또는 식별코드와 같은 카드식별정보를 획득할 수 있다. 고객 단말기(600)에 입력된 선불카드의 카드식별정보는 제1국 플랫폼 사업자 서버(130) 및 제1국 은행서버(110)를 통해 제2국 은행서버(150)에게 전달될 수 있다. 다른 예로 '카드 등록하기' 메뉴를 통해 입력된 타국의 카드식별정보는 고객 단말기(600)를 통해 제2국 은행서버(150)로 직접 전송될 수도 있다. In operation 610, 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. As another example, 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.
단계 620에서, 제2국 은행서버(150)는 선불카드의 카드식별정보 또는 카드번호를 한국 가상계좌에 연결시킬 수 있다. In operation 620, 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.
단계 650에서, 일본고객이 한국 오프라인 가맹점(650)에서 선불카드를 이용하여 상품 결제를 요청할 수 있다. 신용카드사 서버(630)의 가맹점 데이터베이스에 수록된 모든 가맹점에서 선불카드를 이용한 결제요청이 가능할 수 있다. 따라서 신용카드사 서버(630)가 선불카드를 이용한 일본고객의 결제금액을 한국 오프라인 가맹점(650)으로 송금함으로써 신용카드사 서버(630)와 오프라인 가맹점(650) 간에는 선불카드 결제금액이 정산할 수 있다. 또한, 신용카드사 서버(630)는 제2국 은행서버(620)에게 일본고객의 선불카드를 이용한 결제금액을 정산요청할 수 있다. 제2국 은행서버(620)는 일본고객에게 설정된 한국 가상계좌의 충전금에서 정산요청금액만큼 신용카드사 서버(630)의 계좌로 이체함으로써 정산될 수 있다. In operation 650, 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. In addition, 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.
또한 제2국 플랫폼 사업자와 제휴사 간에는, 선불카드를 이용하는 고객에게 혜택을 제공하기 위해 제휴 계약을 맺을 수 있다. 예를 들어, 제휴사 혜택은, 백화점 할인쿠폰, 구매금액의 할인쿠폰, 우대쿠폰과 같은 경품혜택 또는 제휴사 포인트의 적립혜택을 포함할 수 있다. 제휴사 서버(660)는 선불카드를 등록한 일본고객에게 가능한 제휴사 혜택에 대한 정보를 저장하는 혜택 데이터베이스를 구비할 수 있다. 따라서 한국 오프라인 가맹점(650)에서 선불카드를 이용한 결제요청이 발생하는 경우에, 제휴사 서버(660)가 호출되어 현재 선불카드에 대해 적용가능한 제휴사 혜택이 검색될 수 있다. 검색된 제휴사 혜택이 있는 경우에 한국 오프라인 가맹점(650)에서 결제금액을 할인하거나 각종 혜택을 적용할 수 있다. In addition, a partnership between a second country platform operator and an affiliate may be entered into to provide benefits to customers using prepaid cards. For example, 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.
도 1 내지 7를 참조하여 전술한 다양한 실시예들에 따라, 제1국의 커뮤니케이션 애플리케이션의 회원이 애플리케이션을 이용하여 제2국에서의 금융서비스를 제공받을 수 있다. 커뮤니케이션 애플리케이션의 회원은 제1국 및 제2국에서 직접 계좌를 개설할 필요 없이 커뮤니케이션 애플리케이션에 입력하는 채팅메시지를 이용하여 계좌업무서비스를 제공받을 수 있다. 제공가능한 금융서비스로는 제1국 통화 및 제2국 통화 간의 환전 서비스 뿐만 아니라, 회원간 자금 이체서비스, 제1국에서의 온라인/오프라인 가맹점에서의 대금결제 서비스, 제2국 오프라인 가맹점에서 제2국 선불체크카드를 이용한 대금결제 서비스가 제안되었으나, 본 발명의 기술적 사상이 이에 한정되는 것은 아님에 유의하여야 한다.According to various embodiments described above with reference to FIGS. 1 to 7, 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. Although 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.
본 발명에서 개시된 블록도들은 본 발명의 원리들을 구현하기 위한 회로를 개념적으로 표현한 형태라고 당업자에게 해석될 수 있을 것이다. 유사하게, 임의의 흐름 차트, 흐름도, 상태 전이도, 의사코드 등은 컴퓨터 판독가능 매체에서 실질적으로 표현되어, 컴퓨터 또는 프로세서가 명시적으로 도시되든지 아니든지 간에 이러한 컴퓨터 또는 프로세서에 의해 실행될 수 있는 다양한 프로세스를 나타낸다는 것이 당업자에게 인식될 것이다. 따라서, 상술한 본 발명의 실시예들은 컴퓨터에서 실행될 수 있는 프로그램으로 작성가능하고, 컴퓨터로 읽을 수 있는 기록매체를 이용하여 상기 프로그램을 동작시키는 범용 디지털 컴퓨터에서 구현될 수 있다. 상기 컴퓨터로 읽을 수 있는 기록매체는 마그네틱 저장매체(예를 들면, 롬, 플로피 디스크, 하드디스크 등), 광학적 판독 매체(예를 들면, 시디롬, 디브이디 등)와 같은 저장매체를 포함한다.The block diagrams disclosed in the present invention may be interpreted by those skilled in the art as a conceptual representation of a circuit for implementing the principles of the present invention. Similarly, 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.).
도면들에 도시된 다양한 요소들의 기능들은 적절한 소프트웨어와 관련되어 소프트웨어를 실행할 수 있는 하드웨어뿐만 아니라 전용 하드웨어의 이용을 통해 제공될 수 있다. 프로세서에 의해 제공될 때, 이런 기능은 단일 전용 프로세서, 단일 공유 프로세서, 또는 일부가 공유될 수 있는 복수의 개별 프로세서에 의해 제공될 수 있다. 또한, 용어 "제어부" 또는 "...부"의 명시적 이용은 소프트웨어를 실행할 수 있는 하드웨어를 배타적으로 지칭하는 것으로 해석되지 말아야 하며, 제한 없이, 디지털 신호 프로세서(DSP) 하드웨어, 소프트웨어를 저장하기 위한 판독 전용 메모리(ROM), 랜덤 액세스 메모리(RAM), 및 비휘발성 저장장치를 묵시적으로 포함할 수 있다.The functions of the various elements shown in the figures may be provided through the use of dedicated hardware as well as hardware capable of executing software in association with appropriate software. When provided by a processor, such functionality may be provided by a single dedicated processor, by a single shared processor, or by a plurality of individual processors, some of which may be shared. Furthermore, the explicit use of the term "control" or "..." should not be construed as exclusively referring to hardware capable of executing software, and without limitation, storing digital signal processor (DSP) hardware, software Read-only memory (ROM), random access memory (RAM), and non-volatile storage.
본 명세서의 청구항들에서, 특정 기능을 수행하기 위한 수단으로서 표현된 요소는 특정 기능을 수행하는 임의의 방식을 포괄하고, 이러한 요소는 특정 기능을 수행하는 회로 요소들의 조합, 또는 특정 기능을 수행하기 위한 소프트웨어를 수행하기 위해 적합한 회로와 결합된, 펌웨어, 마이크로코드 등을 포함하는 임의의 형태의 소프트웨어를 포함할 수 있다. In the claims of this specification, 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.
본 명세서에서 본 발명의 원리들의 '일 실시예'와 이런 표현의 다양한 변형들의 지칭은 이 실시예와 관련되어 특정 특징, 구조, 특성 등이 본 발명의 원리의 적어도 하나의 실시예에 포함된다는 것을 의미한다. 따라서, 표현 '일 실시예에서'와, 본 명세서 전체를 통해 개시된 임의의 다른 변형례들은 반드시 모두 동일한 실시예를 지칭하는 것은 아니다.Reference herein to 'one embodiment' of the principles of the present invention and various modifications of this expression is that in connection with this embodiment certain features, structures, characteristics, etc., are included in at least one embodiment of the principles of the present invention. it means. Thus, the expression 'in one embodiment' and any other variation disclosed throughout this specification are not necessarily all referring to the same embodiment.
본 명세서에서, 'A와 B 중 적어도 하나'의 경우에서 '~중 적어도 하나'의 표현은, 첫 번째 옵션 (A)의 선택만, 또는 두 번째 열거된 옵션 (B)의 선택만, 또는 양쪽 옵션들 (A와 B)의 선택을 포괄하기 위해 사용된다. 추가적인 예로 'A, B, 및 C 중 적어도 하나'의 경우는, 첫 번째 열거된 옵션 (A)의 선택만, 또는 두 번째 열거된 옵션 (B)의 선택만, 또는 세 번째 열거된 옵션 (C)의 선택만, 또는 첫 번째와 두 번째 열거된 옵션들 (A와 B)의 선택만, 또는 두 번째와 세 번째 열거된 옵션 (B와 C)의 선택만, 또는 모든 3개의 옵션들의 선택(A와 B와 C)이 포괄할 수 있다. 더 많은 항목들이 열거되는 경우에도 당업자에게 명백하게 확장 해석될 수 있다.In the present specification, in the case of at least one of 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). As an additional example, for at least one of A, B, and C, 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.
이제까지 본 발명에 대하여 그 바람직한 실시예들을 중심으로 살펴보았다.So far I looked at the center of the preferred embodiment for the present invention.
본 명세서를 통해 개시된 모든 실시예들과 조건부 예시들은, 본 발명의 기술 분야에서 통상의 지식을 가진 당업자가 독자가 본 발명의 원리와 개념을 이해하도록 돕기 위한 의도로 기술된 것으로, 당업자는 본 발명이 본 발명의 본질적인 특성에서 벗어나지 않는 범위에서 변형된 형태로 구현될 수 있음을 이해할 수 있을 것이다. 그러므로 개시된 실시예들은 한정적인 관점이 아니라 설명적인 관점에서 고려되어야 한다. 본 발명의 범위는 전술한 설명이 아니라 특허청구범위에 나타나 있으며, 그와 동등한 범위 내에 있는 모든 차이점은 본 발명에 포함된 것으로 해석되어야 할 것이다.All embodiments and conditional examples disclosed throughout the specification are intended to help one of ordinary skill in the art to understand the principles and concepts of the present invention. It will be understood that modifications may be made without departing from the essential features of the invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (18)

  1. 은행서버가 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법에 있어서, In the method that the bank server provides financial services to international users registered on the platform operator server,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스에 가입하면 제1국 은행서버에 의해 제1국 사용자에 대한 제1국 가상계좌가 설정되는 경우에, 제2국 은행서버가 상기 제1국 은행서버로부터, 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신하는 단계; 및 When a first station virtual account for a first station user is set by a first country bank server when a first station user of a communication application provided by a first country platform operator server subscribes to a financial service using the application, Receiving, by the second station bank server, a request for opening a second station virtual account for the first station user from the first station bank server; And
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되면, 상기 제2국 은행서버가 상기 제1국 가상계좌에 예치된 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액을 상기 제2국 가상계좌로 입금 처리하는 단계를 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When the exchange request is read from the chat message of the user of the first station input through the application, the second station currency is exchanged from the first station currency principal deposited by the second station bank server in the first station virtual account. A method of providing a financial service of a bank server, comprising: depositing a money exchange amount into a virtual account of the second country.
  2. 제1항에 있어서, 상기 은행서버의 금융서비스 제공 방법은, The method of claim 1, wherein the bank server provides a financial service.
    상기 제2국 은행서버가, 제2국 내 오프라인 루트 또는 온라인 루트를 통해 상기 제1국 사용자로부터 상기 제2국 가상계좌에 대한 계좌업무 요청을 수신하는 단계;Receiving, by the second station bank server, an accounting request for the second station virtual account from the user of the first station via an offline route or an online route in the second station;
    상기 제2국 은행서버가, 상기 제1국 플랫폼 사업자 서버, 상기 제1국 은행서버 및 제2국 플랫폼 사업자 서버에 등록된 상기 제1국 사용자의 고객정보에 기초하여 본인인증을 수행하는 단계; 및Performing, by the second station bank server, authentication based on customer information of the first station user registered in the first station platform operator server, the first station bank server, and the second station platform operator server; And
    상기 본인인증이 완료되면, 상기 제2국 은행서버가 상기 제2국 가상계좌에 예치된 상기 제2국 통화인 환전금액을 기초로 상기 계좌업무 요청을 처리하는 단계를 더 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When the identity verification is completed, the second country bank server further comprises the step of processing the accounting request based on the exchange amount of the currency of the second country deposited in the virtual account of the second country; How to provide financial services of bank server.
  3. 제1항에 있어서, 상기 금융서비스 제공 방법은, According to claim 1, The financial service providing method,
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 재환전요청이 판독되면, 상기 제2국 은행서버가 상기 제1국 은행서버에게, 상기 제2국 가상계좌에 예치된 상기 제2국 통화의 잔금으로부터 다시 상기 제1국 통화로 환전된 재환전금액을 상기 제1국 가상계좌에 입금처리하도록 요청하는 단계를 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When the re-exchange request is read from the chat message of the user of the first station input through the application, the second station bank server sends the second station deposited in the virtual account of the second station to the first station bank server. And requesting for depositing the re-exchange amount converted into the first country currency from the balance of the currency to the first country virtual account.
  4. 제1항에 있어서, The method of claim 1,
    상기 제1국 플랫폼 사업자 서버에 의해 상기 금융서비스에 대한 상기 제1국 사용자의 가입신청이 처리되면, 상기 제1국 플랫폼 사업자 서버로부터 상기 제1국 사용자에 대한 고객정보가 상기 제1국 은행서버 및 제2국 플랫폼 사업자 서버에게 전송되고, 제2국 은행서버는 상기 제1국 은행서버로부터 상기 제1국 사용자에 대한 고객정보를 수신하고, 상기 제2국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제2국 가상계좌의 개설요청을 수신하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When the first station user's subscription request for the financial service is processed by the first country platform operator server, the customer information for the first country user is transferred from the first country platform operator server to the first country bank server. And a second station bank operator server, the second station bank server receives customer information for the first station user from the first station bank server, and based on a mother account set for the second station platform operator server. And a request for opening a virtual account of the second station.
  5. 제1항에 있어서, The method of claim 1,
    상기 제1국 플랫폼 사업자 서버에 의해, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 상기 환전요청이 판독되고, 상기 제1국 플랫폼 사업자 서버로부터 상기 제1국 은행서버에게 상기 환전요청 및 환전요청금액에 대한 정보가 전달되면, 상기 제2국 은행서버는 상기 제1국 은행서버로부터 상기 환전요청에 따른 환전요청금액에 대한 정보 및 상기 제1국 사용자에 대한 정보를 포함하는 환전요청 전문을 수신하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.The exchange request is read by the first station platform operator server from the chat message of the first station user input through the application, and the exchange request is requested from the first station platform operator server to the first station bank server. And when the information on the exchange request amount is transferred, the second country bank server includes the information on the exchange request amount according to the exchange request and the information about the user of the first country from the first country bank server. Financial service providing method of a bank server, characterized in that for receiving the full text.
  6. 은행서버가 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법에 있어서, In the method that the bank server provides financial services to international users registered on the platform operator server,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스를 가입하면, 상기 제1국 은행서버는 상기 제1국 사용자에 대해 제1국 가상계좌를 설정하고, 제2국 은행서버에게 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송하는 단계; 및 When a first station user of a communication application provided by a first station platform operator server subscribes to a financial service using the application, the first station bank server sets up a first station virtual account for the first station user, Transmitting a request for opening a second station virtual account for the first station user to a second station bank server; And
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되면, 상기 제1국 은행서버가 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액이 상기 제2국 가상계좌로 입금되도록 상기 제2국 은행서버에게 입금요청을 전송하는 단계를 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When the exchange request is read from the chat message of the user of the first station input through the application, the second station exchanged from the first station currency principal of the first station bank server is deposited in the first station virtual account. And transmitting a deposit request to the bank server of the second station so that a currency exchange amount is transferred to the virtual account of the second station.
  7. 제6항에 있어서, 상기 금융서비스 제공 방법은, According to claim 6, The financial service providing method,
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 재환전요청이 판독되면, 상기 제1국 은행서버가 상기 제2국 은행서버에게 재환전 요청을 전달하는 단계;When the re-exchange request is read from the chat message of the user of the first station input through the application, transmitting the re-exchange request to the bank server of the second station;
    상기 제1국 은행서버가, 상기 제2국 가상계좌에 예치된 상기 제2국 통화의 잔금으로부터 다시 환전된 상기 제1국 통화인 재환전 금액을 상기 제1국 가상계좌에 입금처리하는 단계를 더 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.Depositing, by the bank of the first station, a re-exchange amount, which is the currency of the first country, which is exchanged from the balance of the currency of the second country deposited in the virtual account of the second station; Financial service providing method of a bank server, characterized in that it further comprises.
  8. 제6항에 있어서, 상기 은행서버의 금융서비스 제공 방법은,The method of claim 6, wherein the bank server provides a financial service.
    상기 제1국 플랫폼 사업자 서버에 의해 상기 금융서비스에 대한 상기 제1국 사용자의 가입신청이 처리되면, 상기 제1국 은행서버는 상기 제1국 플랫폼 사업자 서버로부터 상기 제1국 사용자에 대한 고객정보를 수신하고, 제2국 은행서버에게 상기 제1국 사용자에 대한 고객정보를 전송하는 단계를 포함하고, When the first station user's subscription request for the financial service is processed by the first country platform operator server, the first country bank server receives customer information for the first country user from the first country platform operator server. Receiving, and transmitting the customer information for the user of the first country to the second country bank server,
    상기 제1국 은행서버는, 제2국 플랫폼 서버에 대해 설정된 모계좌를 기초로 하는 상기 제2국 가상계좌의 개설요청을 상기 제2국 은행서버에게 전송하는 단계를 더 포함하고, The first station bank server further includes transmitting a request for opening the second station virtual account based on a mother account set for the second station platform server, to the second station bank server.
    상기 금융서비스에 대한 가입신청 처리된 상기 제1국 사용자에 대한 고객정보는, 상기 제1국 플랫폼 사업자 서버로부터 제2국 플랫폼 사업자 서버에게 전송되는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.The customer information of the user of the first country, which has been applied for subscription to the financial service, is transmitted from the platform service server of the first country to the platform service server of the second country.
  9. 제6항에 있어서, 상기 제2국 은행서버에게 환전요청을 전송하는 단계는,The method of claim 6, wherein the step of transmitting a currency exchange request to the bank server of the second country,
    상기 제1국 플랫폼 사업자 서버에 의해, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 상기 환전요청이 판독되면, 상기 제1국 은행서버가 상기 제1국 플랫폼 사업자 서버로부터 상기 환전요청 및 환전요청금액에 대한 정보를 수신하는 단계; 및When the exchange request is read from the chat message of the first station user input through the application by the first station platform operator server, the first station bank server requests the currency exchange request from the first station platform operator server. And receiving information on the exchange request amount; And
    상기 제1국 은행서버가, 상기 환전요청에 따른 환전요청금액에 대한 정보 및 상기 제1국 사용자에 대한 정보를 포함하는 환전요청 전문을 상기 제2국 은행서버에게 전송하는 단계를 포함하는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.And transmitting, by the bank server of the first country, a full currency exchange request message including information on the money exchange request amount according to the exchange request and information about the user of the first country to the bank of the second country. Financial service providing method of the bank server.
  10. 제6항에 있어서, The method of claim 6,
    제2국 내 오프라인 루트 또는 온라인 루트를 통해 상기 제1국 사용자로부터 상기 제2국 가상계좌에 대한 계좌업무 요청이 상기 제2국 은행서버에게 전달되면, 상기 제2국 은행서버에서 상기 제1국 플랫폼 사업자 서버, 상기 제1국 은행서버 및 제2국 플랫폼 사업자 서버에 등록된 상기 제1국 사용자의 고객정보에 기초하여 본인인증이 수행되고, 상기 본인인증이 완료되면 상기 제2국 은행서버에서 상기 제2국 가상계좌에 예치된 상기 제2국 통화인 환전금액을 기초로 상기 계좌업무 요청이 처리되는 것을 특징으로 하는 은행서버의 금융서비스 제공 방법.When an accounting request for the virtual account of the second station is transmitted from the user of the first station through an offline route or an online route in the second station to the bank of the second station, the bank of the first station is connected to the bank of the second station. Identity authentication is performed based on the customer information of the first station user registered in the platform operator server, the first station bank server and the second station platform operator server, and when the identity authentication is completed, the second station bank server And the accounting request is processed based on a currency exchange amount of the currency of the second country deposited in the virtual account of the second country.
  11. 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 방법에 있어서, In the method for providing financial services to international users registered on the platform operator server,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자로부터 접수된 상기 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리하는 단계; Processing a subscription application for a financial service using the application received from a first station user of a communication application provided by a first country platform operator server;
    상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제1국 사용자에 대한 제1국 가상계좌의 개설요청을 전송하는 단계; 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; ;
    상기 제1국 플랫폼 사업자 서버가, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터, 상기 제1국 가상계좌에 예치된 제1국 통화원금을 제2국 통화로 환전하기 위한 환전요청을 판독하는 단계; 및 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. Reading a; And
    상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액이 제2국 은행서버의 제2국 가상계좌로 입금되도록 환전요청을 전송하는 단계를 포함하고,The first country platform operator server, the first country bank server, the exchange amount of the second country currency exchanged from the currency currency of the first country deposited in the virtual account of the first country is the first currency of the second country bank server; Transmitting a currency exchange request to be deposited into a two-country virtual account;
    상기 환전요청은 상기 제1국 은행서버로부터 상기 제2국 은행서버로 전달되는 것을 특징으로 하는 플랫폼 사업자 서버의 금융서비스 제공 방법.The exchange request is a financial service providing method of the platform operator server, characterized in that the transfer from the bank server of the first country to the bank server of the second country.
  12. 제11항에 있어서, 상기 플랫폼 사업자 서버의 금융서비스 제공 방법은,The method of claim 11, wherein the platform provider server provides a financial service.
    상기 제1국 플랫폼 사업자 서버가 상기 제1국 사용자의 가입신청을 처리하면, 상기 제1국 은행서버 및 제2국 플랫폼 사업자 서버에게 상기 제1국 사용자에 대한 고객정보를 전송하는 단계를 더 포함하고, If the first country platform operator server processes the subscription request of the first country user, transmitting the customer information for the first country user to the first country bank server and the second country platform operator server; and,
    상기 제1국 은행서버로부터 상기 제2국 은행서버에게, 상기 제2국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제1국 사용자를 위한 상기 제2국 가상계좌의 개설요청과 상기 제1국 사용자에 대한 고객정보가 전송되는 것을 특징으로 하는 플랫폼 사업자 서버의 금융서비스 제공 방법.A request for opening of the second station virtual account for the first station user based on a mother account set for the second station platform operator server from the first station bank server to the second station bank server; The financial service providing method of the platform operator server, characterized in that the customer information for the station user is transmitted.
  13. 제12항에 있어서, 상기 플랫폼 사업자 서버의 금융서비스 제공 방법은, The method of claim 12, wherein the platform provider server provides a financial service.
    상기 제1국 플랫폼 사업자 서버가, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터, 상기 제2국 가상계좌에 예치된 상기 제2국 통화의 잔금을 상기 제1국 통화로 다시 환전하기 위한 재환전요청을 판독하는 단계; 및The first station platform operator server converts the balance of the second station currency deposited in the second station virtual account back into the first station currency from the chat message of the first station user input through the application. Reading a re-exchange request for payment; And
    상기 제1국 플랫폼 사업자 서버가 상기 판독된 재환전요청을 상기 제1국 은행서버에게 전달하는 단계를 포함하고,Transmitting, by the first station platform operator server, the read exchange request to the first station bank server;
    상기 제1국 은행서버에서, 상기 제2국 가상계좌의 상기 잔금을 상기 제1국 통화로 다시 환전된 금액이 상기 제2국 가상계좌에 입금처리되고, In the bank of the first country, the amount of money exchanged back into the currency of the first country is transferred to the second country virtual account.
    상기 제1국 은행서버에 의해 상기 제1국 사용자에게 상기 제1국 가상계좌를 설정하면, 상기 제1국 은행서버로부터 상기 제2국 은행서버에게 상기 제1국 사용자를 위한 상기 제2국 가상계좌의 개설요청이 전달되는 것을 특징으로 하는 플랫폼 사업자 서버의 금융서비스 제공 방법.If the first station virtual account is set to the first station user by the first station bank server, the second station virtual for the first station user from the first station bank server to the second station bank server. Financial service providing method of the platform operator server, characterized in that the request to open the account is delivered.
  14. 제11항에 있어서, 상기 제2국 은행서버에게 환전요청을 전송하는 단계는,The method of claim 11, wherein the step of transmitting a currency exchange request to the bank server of the second country,
    상기 제1국 플랫폼 사업자 서버가, 상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 판독한 상기 환전요청을 기초로, 상기 제1국 은행서버에게 상기 환전요청 및 환전요청금액에 대한 정보를 전송하는 단계를 포함하고,Information on the exchange request and the exchange request amount to the bank server of the first station based on the exchange request read by the first station platform operator server from the chat message of the user of the first station input through the application; Transmitting a;
    상기 제1국 은행서버에 의해, 상기 환전요청 및 환전요청금액에 대한 정보 및 상기 제1국 사용자에 대한 정보를 포함하는 환전요청 전문이 상기 제2국 은행서버에게 전송되는 것을 특징으로 하는 플랫폼 사업자 서버의 금융서비스 제공 방법.The platform operator, characterized in that by the first bank server, the full currency exchange request, including information about the exchange request and the exchange request amount and information about the user of the first country is transmitted to the bank server of the second country. How to provide financial services on the server.
  15. 제12항에 있어서, The method of claim 12,
    제2국 내 오프라인 루트 또는 온라인 루트를 통해 상기 제1국 사용자로부터 상기 제2국 가상계좌에 대한 계좌업무 요청이 상기 제2국 은행서버에게 전달되면, 상기 제2국 은행서버에서 상기 제1국 플랫폼 사업자 서버, 상기 제1국 은행서버 및 상기 제2국 플랫폼 사업자 서버에 등록된 상기 제1국 사용자의 고객정보에 기초하여 본인인증이 수행되고, 상기 본인인증이 완료되면 상기 제2국 은행서버에서 상기 제2국 가상계좌에 예치된 상기 제2국 통화인 환전금액을 기초로 상기 계좌업무 요청이 처리되는 것을 특징으로 하는 플랫폼 사업자 서버의 금융서비스 제공 방법.When an accounting request for the virtual account of the second station is transmitted from the user of the first station through an offline route or an online route in the second station to the bank of the second station, the bank of the first station is connected to the bank of the second station. Identity authentication is performed based on the customer information of the first station user registered in the platform operator server, the first station bank server and the second station platform operator server, and when the identity authentication is completed, the second station bank server And the accounting request is processed based on a currency exchange amount of the currency of the second country deposited in the virtual account of the second country.
  16. 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 은행서버에 있어서, In the bank server that provides financial services to international users registered on the platform operator server,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스에 가입하면 제1국 은행서버에 의해 제1국 사용자에 대한 제1국 가상계좌가 설정되는 경우에, 상기 제1국 은행서버로부터 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 수신하는 가상계좌개설 요청 수신부; When a first station virtual account for a first station user is set by a first country bank server when a first station user of a communication application provided by a first country platform operator server subscribes to a financial service using the application, A virtual account opening request receiving unit which receives a request for opening a second station virtual account for the first station user from the first station bank server;
    제2국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 상기 제1국 사용자에게 상기 제2국 가상계좌를 설정하여, 상기 제2국 가상계좌와 상기 제1국 사용자에 대한 정보를 관리하는 가상계좌 관리부; 및 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. ; And
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독된 경우에, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화인 환전금액을 상기 제2국 가상계좌로 입금처리하는 계좌업무 처리부를 포함하는 것을 특징으로 하는 은행서버.When a currency exchange request is read from a chat message of the user of the first station input through the application, the currency exchange amount, which is the currency of the second station, is exchanged from the currency of the first station deposited in the virtual account of the first station. And a banking processing unit for depositing the virtual account into the second station.
  17. 플랫폼 사업자 서버에 등록된 국제사용자에게 금융서비스를 제공하는 은행서버에 있어서, In the bank server that provides financial services to international users registered on the platform operator server,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자가 상기 애플리케이션을 이용한 금융서비스를 가입하면, 상기 제1국 사용자에 대해 제1국 가상계좌를 설정하고, 제2국 은행서버에게 상기 제1국 사용자를 위한 제2국 가상계좌의 개설요청을 전송하는 가상계좌 개설 요청부; When a first station user of a communication application provided by a first station platform operator server subscribes to a financial service using the application, a first station virtual account is set for the first station user, and the second station bank server is A virtual account opening request unit for transmitting a request for opening a second station virtual account for a user of a first station;
    제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 상기 제1국 사용자에게 상기 제1국 가상계좌를 설정하여, 상기 제1국 가상계좌와 상기 제1국 사용자에 대한 정보를 관리하는 가상계좌 관리부; 및 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. ; And
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터 환전요청이 판독되는 경우에, 상기 제1국 은행서버가 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액이 상기 제2국 가상계좌로 입금되도록 상기 제2국 은행서버에게 입금요청을 전송하는 계좌업무 요청부를 포함하는 것을 특징으로 하는 은행서버.When the currency exchange request is read from the chat message of the user of the first station input through the application, the first country bank server exchanges the currency from the first station currency principal deposited in the first station virtual account. And a banking request unit for transmitting a deposit request to the bank of the second station so that the exchange amount of the currency of the two countries is deposited into the virtual account of the second station.
  18. 국제사용자에게 금융서비스를 제공하는 플랫폼 사업자 서버에 있어서, In the platform provider server that provides financial services to international users,
    제1국 플랫폼 사업자 서버가 제공하는 커뮤니케이션 애플리케이션의 제1국 사용자로부터 상기 애플리케이션을 이용한 금융서비스에 대한 가입신청을 처리하고, 상기 제1국 은행서버에게, 상기 제1국 플랫폼 사업자 서버에 대해 설정된 모계좌를 기초로 하는 상기 제1국 사용자에 대한 제1국 가상계좌의 개설요청을 전송하는 가입신청 처리부;Process a subscription application for a financial service using the application from a user of a first station of a communication application provided by a first country platform operator server, and set a bank account for the first country platform operator server to the first country bank server. A subscription application processing unit for transmitting a request to open a virtual account of a first station for a user of the first station based on the first state;
    상기 애플리케이션을 통해 입력된 상기 제1국 사용자의 채팅 메시지로부터, 상기 제1국 가상계좌에 예치된 제1국 통화원금을 제2국 통화로 환전하기 위한 환전요청을 판독하는 메시지 판독부; 및 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; And
    상기 제1국 플랫폼 사업자 서버가 상기 제1국 은행서버에게, 상기 제1국 가상계좌에 예치된 상기 제1국 통화원금으로부터 환전된 상기 제2국 통화의 환전금액을 제2국 은행서버의 제2국 가상계좌로 입금되도록 하는 입금요청을 전송하는 계좌업무 요청부를 포함하고, The first station 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 requesting unit for transmitting a deposit request for depositing into a virtual account of a two-country;
    상기 환전요청은 상기 제1국 은행서버로부터 제2국 은행서버에 전달되는 것을 특징으로 하는 플랫폼 사업자 서버.The exchange request is a platform operator server, characterized in that the transfer from the first bank server to the second bank server.
PCT/KR2013/012393 2013-12-30 2013-12-30 Method for providing global financial services by using communication application and bank server therefor WO2015102122A1 (en)

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