JP7778604B2 - Remittance method, computer program, computer-readable recording medium, and computer device - Google Patents

Description

The following description relates to a method and system for transferring money using an instant messaging service.

Technology exists to process money transfers over instant messaging services.

For example, when a user of an instant messaging service opens an account with a banking service (e.g., an internet-only bank) that is linked to the instant messaging service, the user's instant messaging service account and information about the account opened by the user are linked and recorded on the instant messaging service (recorded on the instant messaging service side and/or the banking service side that is linked to the instant messaging service). In this case, a first user can select a second user's account on the instant messaging service and request a transfer. If the accounts are linked and recorded on the banking service side that is linked to the instant messaging service, the instant messaging service can request the linked banking service to transfer money from the first user's first account to the second user's second account. In this case, the banking service processes the transfer from the first account linked to the first account to the second account linked to the second account.

However, some users may be registered with an instant messaging service but not with a bank service linked to the instant messaging service, or may not have an account with the bank service. In such cases, such users may be unable to transfer funds using only their instant messaging service account. For example, assume that a third user of an instant messaging service has a third account with a bank service linked to the instant messaging service, while a fourth user of the instant messaging service does not have an account with the bank service linked to the instant messaging service. In this case, even if the third user selects the fourth user's account and requests a transfer, the instant messaging service and its linked bank service do not know the fourth user's account, and therefore the transfer cannot be made using only the instant messaging service account. To solve this problem, the third user must either ask the fourth user for the account information of the other bank for the transfer and enter it into the instant messaging service or the linked bank service, or the instant messaging service or the linked bank service must request the fourth user to enter the account information of the other bank for the transfer and then process the transfer after obtaining the account information. In particular, there is the problem that requesting and receiving such account information must be carried out every time a transfer is made to a fourth user.

Korean Patent Publication No. 10-2019-0095618

We provide a money transfer method and system that accepts account information (e.g., an account at another bank) for money transfers from users who are not registered with a banking service linked to an instant messaging service and/or do not have an account, records the information in association with the user's instant messaging service account, and processes a money transfer request to the user's instant messaging service account using the account information recorded in association with the account.

A method for transferring money in a computer device including at least one processor is provided, the method including: providing an instant messaging service by the at least one processor; receiving, by the at least one processor, a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service from a bank server that provides banking services associated with the instant messaging service; and sending, by the at least one processor, a message including a link to an account information registration function through an interactive session established between the first account and the second account in accordance with the function transfer request.

According to one aspect, the function transfer request may be transmitted from the bank server in response to a remittance request from the first user to the second user when the second user does not have an account with the bank server and the second user's account information at another bank is not registered with the bank server.

According to another aspect, the message is associated with the first account and the second account, and the money transfer method may further include verifying, by the at least one processor, whether the account of the user who selected the link is the second user by comparing whether the account of the user who selected the link is the same as the second account of the second user and the accounts of participants in the chat room in which the selected link is displayed with the first account and the second account associated with the message.

In another aspect, the remittance method may further include, when the link is selected, authenticating by the at least one processor that the user who selected the link is the second user through SMS (Short Message Service) authentication using a telephone number associated with the second user's second account.

In another aspect, the remittance method may further include receiving, by the at least one processor, a remittance request from the first user to the second user from the first user's terminal via the instant messaging service, and transmitting, by the at least one processor, the remittance request to the bank server, wherein the function transfer request is associated with the first account and the second account included in the remittance request.

In another aspect, the sending step may be characterized by establishing an interaction session between the first account and the second account based on the first account and the second account associated with the function transfer request if the interaction session has not been established.

In another aspect, the account information registration function may include a first function for receiving consent from the second user to terms and conditions for at least one of the second user receiving a remittance service provided by a bank server and the second user's account information being registered on the bank server using the account information registration function, and a second function for receiving input of the second user's account information.

In another aspect, the remittance method may further include providing, by the at least one processor, a link to the account information registration function through an official account (OA) of the bank service provided by the bank server.

According to yet another aspect, the remittance method may further include a step of providing, by the at least one processor, a message advertising the banking service provided by the bank server, the message including a link to a function for registering account information with the banking service.

A remittance method for a computer device including at least one processor includes: providing a banking service by the at least one processor; receiving a remittance request from a first user to a second user based on a first account of the first user and a second account of the second user using an identification scheme of an instant messaging service associated with the banking service by the at least one processor; checking, by the at least one processor, whether an account of the second user has been opened with the banking service based on the second account; if an account of the second user has not been opened, checking, by the at least one processor, whether account information of the second user has been registered based on the second account; providing, by the at least one processor, an account information registration function through an instant messaging server that provides the instant messaging service if the account information of the second user has not been registered; registering, by the at least one processor, the account information of the second user using the account information registration function; and processing the remittance request by the at least one processor using the first account of the banking service associated with the first account and the registered account information of the second user.

On the other hand, the account information may include account information of a bank other than the bank that provides the banking services.

In another aspect, the remittance request may be characterized as including the first account and the second account.

In another aspect, the step of providing the account information registration function may be characterized by requesting the instant messaging server to send a message including a link to the account information registration function through the interactive session.

According to another aspect, the message may be associated with the first account and the second account, and the account information may be authenticated by the instant messaging server based on a comparison of the account of the user who selected the link with the second account associated with the message, and a comparison of the accounts of participants in the chat room in which the selected link is displayed with the first account and the second account associated with the message.

According to yet another aspect, the account information may be authenticated by an SMS (Short Message Service) authentication call made by the instant messaging server to a telephone number associated with the second account in response to the link being selected.

A computer program recorded on a computer-readable recording medium is provided that can be combined with a computer device to cause the computer device to execute the method.

A computer-readable recording medium is provided that stores a program for causing a computer device to execute the method.

A computer device is provided, comprising at least one processor configured to execute computer-readable instructions, wherein the at least one processor receives, from a bank server that provides an instant messaging service and that provides banking services linked to the instant messaging service, a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service, and transmits, in accordance with the function transfer request, a message including a link to an account information registration function through an interactive session established between the first account and the second account.

A computer device is provided, comprising at least one processor configured to execute computer-readable instructions, the at least one processor providing a banking service, receiving a remittance request from a first user to a second user based on a first account of the first user and a second account of the second user according to an identification scheme of an instant messaging service associated with the banking service, verifying whether an account for the second user has been opened with the banking service based on the second account, and if an account for the second user has not been opened, verifying whether account information for the second user has been registered based on the second account, and if the account information for the second user has not been registered, providing an account information registration function through an instant messaging server providing the instant messaging service, registering the account information for the second user using the account information registration function, and processing the remittance request using a first account for the banking service associated with the first account and the registered account information of the second user.

When a user who is not registered with a banking service linked to the instant messaging service and/or does not have an account registers account information for remittances (e.g., an account at another bank), the account information is recorded in association with the user's instant messaging service account, and remittance requests to the user's instant messaging service account can be processed using the account information recorded in association with the account.

FIG. 1 illustrates an example of a network environment in accordance with an embodiment of the present invention. FIG. 1 is a block diagram illustrating an example of a computing device according to an embodiment of the present invention. 1 is a flowchart illustrating an example method for sending money in accordance with an embodiment of the present invention. FIG. 1 illustrates an example chat room that includes a money transfer feature in accordance with one embodiment of the present invention. FIG. 10 is a diagram showing an example of a screen for inputting a remittance amount in one embodiment of the present invention. FIG. 10 is a diagram showing an example of a screen when a user logs in to a bank service in one embodiment of the present invention. FIG. 10 is a diagram showing an example of utilizing account information registered in association with a second account in one embodiment of the present invention. FIG. 10 is a diagram showing an example of a message including a link to an account information registration function in one embodiment of the present invention. FIG. 10 is a diagram illustrating an example of an account information registration function in one embodiment of the present invention. FIG. 10 is a diagram showing an example of a message notifying that registration of account information has been completed in one embodiment of the present invention. 1 is a flowchart illustrating an example of a method for transferring money in an instant messaging server according to an embodiment of the present invention. 10 is a flowchart illustrating an example of a remittance method of a bank server in an embodiment of the present invention.

The following describes the embodiments in detail with reference to the attached drawings.

A remittance system according to an embodiment of the present invention may be realized by at least one computer device. In this case, a computer program according to an embodiment of the present invention may be installed and executed in the computer device, and the computer device may execute a remittance method according to an embodiment of the present invention under the control of the executed computer program. The computer program may be recorded on a computer-readable recording medium in combination with the computer device to cause the computer to execute the remittance method.

Figure 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment in Figure 1 shows an example including multiple electronic devices 110, 120, 130, 140, multiple servers 150, 160, and a network 170. Figure 1 is merely an example for explaining the invention, and the number of electronic devices and the number of servers are not limited to those shown in Figure 1. Furthermore, the network environment in Figure 1 is merely an example for explaining an environment applicable to this embodiment, and the environment applicable to this embodiment is not limited to the network environment in Figure 1.

The electronic devices 110, 120, 130, and 140 may be fixed or mobile terminals implemented as computer devices. Examples of the electronic devices 110, 120, 130, and 140 include smartphones, mobile phones, navigation systems, personal computers (PCs), notebook PCs, digital broadcasting terminals, personal digital assistants (PDAs), portable multimedia players (PMPs), and tablets. While FIG. 1 illustrates a smartphone as an example of the electronic device 110, in embodiments of the present invention, the electronic device 110 may refer to one of a variety of physical computer devices capable of communicating with other electronic devices 120, 130, and 140 and/or servers 150 and 160 via a network 170 using substantially wireless or wired communication methods.

The communication method is not limited, and may include not only communication methods using communication networks that network 170 can include (for example, mobile communication networks, wired Internet, wireless Internet, broadcast networks, satellite networks, etc.), but also short-range wireless communication between devices. For example, network 170 may include one or more of the following networks: a personal area network (PAN), a local area network (LAN), a campus area network (CAN), a metropolitan area network (MAN), a wide area network (WAN), a broadband network (BBN), the Internet, etc. Furthermore, network 170 may include any one or more of the following network topologies, including, but not limited to, a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree or hierarchical network, etc.

Each of the servers 150, 160 may be realized by one or more computing devices that communicate with multiple electronic devices 110, 120, 130, 140 via the network 170 to provide instructions, code, files, content, services, etc. For example, the server 150 may be a system that provides services (e.g., instant messaging services, financial services, gaming services, group calling services (or audio conferencing services), messaging services, email services, social networking services, map services, translation services, payment services, search services, content provision services, etc.) to multiple electronic devices 110, 120, 130, 140 connected via the network 170.

Figure 2 is a block diagram showing an example of a computer device in one embodiment of the present invention. Each of the multiple electronic devices 110, 120, 130, and 140 and each of the servers 150 and 160 described above may be realized by the computer device 200 shown in Figure 2.

As shown in FIG. 2, such a computer device 200 may include a memory 210, a processor 220, a communication interface 230, and an input/output interface 240. The memory 210 is a computer-readable recording medium and may include RAM (random access memory), ROM (read only memory), and a persistent mass storage device such as a disk drive. Here, a persistent mass storage device such as a ROM or a disk drive may be included in the computer device 200 as a separate persistent storage device distinct from the memory 210. The memory 210 may also store an operating system and at least one program code. Such software components may be loaded into the memory 210 from a computer-readable recording medium separate from the memory 210. Such separate computer-readable recording medium may include a computer-readable recording medium such as a floppy drive, a disk, a tape, a DVD/CD-ROM drive, or a memory card. In other embodiments, software components may be loaded into memory 210 through a communication interface 230 that is not a computer-readable recording medium. For example, software components may be loaded into memory 210 of computer device 200 based on a computer program that is installed by a file received over network 170.

Processor 220 may be configured to process computer program instructions by performing basic arithmetic, logic, and input/output operations. The instructions may be provided to processor 220 by memory 210 or communication interface 230. For example, processor 220 may be configured to execute instructions received according to program code stored in a storage device such as memory 210.

The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (e.g., the recording device described above) via the network 170. For example, requests, commands, data, files, etc. generated by the processor 220 of the computer device 200 in accordance with program code recorded in a recording device such as the memory 210 may be transmitted to other devices via the network 170 under the control of the communication interface 230. Conversely, signals, commands, data, files, etc. from other devices may be received by the computer device 200 via the communication interface 230 of the computer device 200 via the network 170. The signals, commands, data, etc. received via the communication interface 230 may be transmitted to the processor 220 or the memory 210, and files, etc. may be recorded on a recording medium (e.g., the permanent recording device described above) that the computer device 200 may further include.

The input/output interface 240 may be a means for interfacing with the input/output device 250. For example, the input device may include devices such as a microphone, keyboard, or mouse, and the output device may include devices such as a display and speaker. As another example, the input/output interface 240 may be a means for interfacing with a device that integrates input and output functions into one, such as a touchscreen. The input/output device 250 may be composed of at least one computer device 200 and a single device. For example, like a smartphone, the touchscreen, microphone, speaker, etc. may be implemented in a form in which the computer device 200 is integrated.

Also, in other embodiments, the computing device 200 may include fewer or more components than those shown in FIG. 2. However, it is not necessary to explicitly illustrate most of the prior art components. For example, the computing device 200 may be implemented to include at least some of the input/output devices 250 described above, and may further include other components such as a transceiver, a database, etc.

Figure 3 is a flowchart illustrating an example of a remittance method in one embodiment of the present invention. The embodiment of Figure 3 shows a first user 310 who is the entity making the remittance, a second user 320 who is the entity receiving the remittance, an instant messaging server 330 that provides instant messaging services between the first user 310 and the second user 320, and a bank server 340 that provides banking services linked to the instant messaging service.

In step 351, the bank server 340 may receive a remittance request from the first user 310 to the second user 320 from the first user's 310 terminal. Such a remittance request may be transmitted to the bank server 340 via various routes. For example, the remittance request may be transmitted to the bank server 340 via the instant messaging server 330. For example, the instant messaging server 330 may provide a remittance function for selecting a specific user and requesting a remittance through an instant messaging service. Such a remittance function may be provided within a chat room or in association with the identifier of a specific user in a "friends" list, which is another user with whom a personal relationship has been formed through the instant messaging service. When the first user 310 requests a remittance to the second user 320 using such a remittance function, the instant messaging server 330 may receive the remittance request and transmit it to the bank server 340, and the bank server 340 may receive the remittance request from the instant messaging server 330. As another example, the remittance request may be provided through a bank service provided by the bank server 340. As described above, the instant messaging service and the bank service may be linked to each other, and the first user 310's "friends" list may be provided to the bank service. In this case, the first user 310 may select the second user 320 from the "friends" list provided to the bank service and request a remittance. In this case, the bank server 340 may directly receive the remittance request through the bank service.

In the two examples described above, the first user 310 and the second user 320 may be commonly identified by the instant messaging server 330 and the bank server 340 using an identifier based on the instant messaging service's identification scheme. In other words, collaboration between an instant messaging service and a bank service may include at least the ability to identify the same user using the same identifier.

On the other hand, when a remittance request is transmitted to the bank server 340 via the instant messaging server 330, the instant messaging server 330 transmits the remittance request to the bank server 340, including the first account of the first user 310, who is the entity making the remittance, and the second account of the second user 320, who is the entity receiving the remittance, thereby enabling the bank server 340 to identify the users (first user 310 and second user 320) by the same identifiers (first account and second account).

The remittance amount may be included in the remittance request, or after the remittance request is transmitted to the bank server 340, it may be entered into a user interface provided by the bank server 340 to the first user 310 and transmitted to the bank server 340.

In step 352, the bank server 340 may check whether the second user 320 has an account with the bank server 340 based on the second account of the second user 320. As an example, the bank server 340 may check based on the second account whether the second user 320 has an account with the bank service that processes the remittance request.

Here, it is assumed that the first user 310 has an account with the bank server 340. If the first user 310 does not have an account with the bank server 340, the bank server 340 may prompt the first user 310 to open an account with the bank server 340 through the instant messaging server 330. If the first user 310 does not open an account with the bank server 340, the remittance request may be aborted.

Also, if both the first user 310 and the second user 320 have accounts with the bank server 340, the bank server 340 may process a transfer from the first user 310's first account to the second user 320's second account. If the first user 310 has an account with the bank server 340 but the second user 320 does not have an account with the bank server 340, step 353 may be executed.

In step 353, the bank server 340 may check whether authenticated account information is registered based on the second account of the second user 320. For example, if the second user 320 does not have an account, the bank server 340 may check whether authenticated account information is registered based on the second account. In step 352, it has been confirmed that the second user 320 does not have an account with the bank server 340. In other words, the account information in step 353 may refer to information such as an account number of another bank. As described below, in an embodiment of the present invention, even if a user has not registered for banking services provided by the bank server 340 and/or does not have an account with the bank server 340, the user can use the banking services of the bank server 340 by registering account information of another bank with the bank server 340 for their account, and can use an instant messaging service account as an account for depositing funds.

In this case, if authenticated account information associated with the second user's 320's second account is registered, the bank server 340 may process a remittance from the first user's 310's first account to an account (e.g., an account at another bank) based on the second user's 320's registered account information. In other words, even if the second user 320 is not registered with a bank service linked to an instant messaging service or has not opened an account with that bank service, the bank server 340 may use the instant messaging service to provide a service for the second user 320 to register account information (such as real name, bank name, account number, etc.) at the other bank in association with the second user's 320's instant messaging service account (the above-mentioned second account), thereby enabling the second user 320 to also participate in remittances to the instant messaging service account.

On the other hand, if the authenticated account information of the second user 320 is not registered, step 354 may be executed.

In step 354, the instant messaging server 330 may establish an interactive session between the first account of the first user 310 and the second account of the second user 320. This interactive session may be an interactive session for sending and receiving messages via an instant messaging service. In this case, the first user 310 and the second user 320 may exchange messages in a chat room corresponding to the established interactive session through their respective terminals, and the instant messaging server 330 may route messages between the terminal of the first user 310 and the terminal of the second user 320 through the established interactive session. In this case, step 354 may be performed through the instant messaging server 330 in response to a request from the bank server 340. In some embodiments, if an interactive session has already been established between the first account and the second account, step 354 may be omitted.

In step 355, the bank server 340 may provide a function for registering account information in the interactive session through the instant messaging server 330. For example, the instant messaging server 330 may, at the request of the bank server 340, send a message to the corresponding interactive session, such that the message including a link to the function for registering account information is displayed in a chat room in which the first user 310 and the second user 320 participate. Such a message may be associated with the first account of the first user 310 and the second account of the second user 320. In other words, if the second user 320 does not have an account with the bank server 340 and the second user 320's account information is not registered with the bank server 340, the instant messaging server 330 may, at the request of the bank server 340, send a message including a link to the account information registration function in the interactive session. Here, the account information may include account information of a bank other than the bank providing banking services (the bank of the bank server 340).

In step 356, the bank server 340 may receive account information from the second user 320 and register the second account. For example, the second user 320 may select the link received in the chat room (for example, by touching an area displayed in association with the link in a touchscreen environment (for example, a selection button area)).

In this case, the instant messaging server 330 may check whether the account of the user who selected the link is the same as the account of the second user 320, who is the entity receiving the remittance, and may verify whether the second user 320, who is actually receiving the remittance, is the one registering account information by comparing the accounts of the participants in the chat room where the link was selected with the accounts associated with the message (first account and second account). In this case, even if the link is leaked, the account selected from the link is not the second account of the second user 320, and is not a chat room in which the first user 310 and the second user 320 participate (for example, a chat room corresponding to the interactive session established in step 354 or an already-opened interactive session between the first account and the second account), so authentication will fail.

In another embodiment, when the link is selected, the instant messaging server 330 may authenticate that the user who selected the link is the second user 320 by performing SMS (Short Message Service) authentication using the telephone number associated with the second account of the second user 320. In such an embodiment, the function for registering account information may be provided to the second user 320 through a separate interaction session rather than an interaction session between the first account and the second account. For example, an instant messaging service may have various official accounts (OAs), and there may also be an official account corresponding to the banking service of the bank server 340. In this case, the corresponding function may be provided to the second user 320 through a interaction session between the official account corresponding to the banking service and the second account of the second user 320.

Meanwhile, the function for receiving account information registration may include a first function for receiving consent from the second user 320 to terms and conditions for at least one of the second user 320 receiving the remittance service provided by the bank server 340 and the second user 320's account information being registered with the bank server 340 using the function for receiving account information registration, and a second function for receiving the second user 320's input of account information. In other words, by authenticating the second user 320, a process must be established in which the second user 320 agrees to terms and conditions for the second user 320 receiving the remittance service provided by the bank server 340 and/or registering account information with the bank server 340, and the second user 320 may be provided with a function for actually inputting account information in accordance with the consent to the terms and conditions. Such a function may be provided to the second user 320 through collaboration between the bank service of the bank server 340 and the instant messaging service of the instant messaging server 330.

Once the terms and conditions are agreed to and account information is entered through the relevant function, the bank server 340 may register the account information by recording the second user's 320 second account on the instant messaging service in association with the entered account information.

In step 357, the bank server 340 may process a transfer between the first account associated with the first account and the second account corresponding to the account information registered in the second account. As described above, the account corresponding to the registered account information may be an account at another bank, and the bank server 340 may process the transfer by communicating with the other bank's system. The transfer amount may be included in the transfer request in step 351, or may be entered into a user interface provided by the bank server 340 to the first user 310 and transmitted to the bank server 340 after the transfer request is transmitted to the bank server 340. In this case, the bank server 340 may process the transfer so that the transfer amount is transferred from the first account to the second account.

3 illustrates an example of a process in which a first user 310 requests a second user 320 to transfer money and registers the second user 320's account information to process the remittance. In some embodiments, the second user 320 may pre-register their account information through various channels. For example, an official account corresponding to the bank service described above may be used. In this case, the second user 320 may add the official account as a friend and access a function for pre-registering their account information through the official account. To this end, the instant messaging server 330 may provide the user of the instant messaging service with a link to a function for registering account information through the official account of the bank service provided by the bank server 340. In another embodiment, the second user 320 may access the function for pre-registering their account information from an advertising message for the bank service provided to the second user 320 through the instant messaging service. For example, the instant messaging server 330 may provide the user with a message through the instant messaging service, as an advertising message for the bank service provided by the bank server 340, that includes a link to a function for registering account information with the bank service.

As such, according to an embodiment of the present invention, even if a second user 320 who is a member of an instant messaging service is not registered with a bank service linked to the instant messaging service and/or does not have an account with the bank service, the second user 320 can easily participate in a money transfer service using an account for the instant messaging service by being able to register account information for the instant messaging service account. This enables the first user 310 to transfer money to a second user 320 who is not registered with a bank service linked to the instant messaging service or does not have an account, simply by selecting an account.

Figure 4 is a diagram showing an example of a chat room including a remittance function in one embodiment of the present invention. Figure 4 shows a screen 400 of chat room A. Such screen 400 may be an example of a screen displayed on the terminal of the first user 310, who is the entity attempting to remit money, in the embodiment of Figure 3. In this case, chat room A may be provided with a remittance function 410 and a function 420 for requesting a remittance from the second user 320 participating in chat room A. In practice, functions 410 and 420 may include links to pages for remittance or request. Chat room A may also be a one-to-one chat room between the first user 310 and the second user 320.

As mentioned above, the money transfer function may be provided to users through various channels other than chat rooms. For example, the money transfer function may be provided in one of the user interfaces of various pages provided through an instant messaging service, or may be provided in association with each friend in a "friends" list. The money transfer function may also be provided through a banking service.

Figure 5 is a diagram showing an example of a screen for entering a remittance amount in one embodiment of the present invention. Screen 500 of Figure 5 is an example of a screen for entering a remittance amount, and is an example of a screen provided by a bank service linked to an instant messaging service. Such screen 500 may be provided to the first user 310 through the instant messaging server 330 as the instant messaging server 330 transmits a remittance request to the bank server 340. In this case, the first dashed frame 510 of screen 500 indicates that when there are multiple services related to remittance as sub-services of the bank service linked to the instant messaging service related to remittance, the first user 310 may select a service for remittance. As an example, screen 500 shows an example in which the first user 310 selects a second service. In this case, a screen including a function for logging in to the selected second service (for example, a PIN code input screen) may be provided to the first user 310. On the other hand, it is assumed that "Ellie Kim" shown in the second dashed box 520 on screen 500 is the real name of the second user 320 and also the nickname of the second user 320 on the instant messaging service.

Figure 6 is a diagram showing an example of a screen when a user logs in to a bank service in one embodiment of the present invention. Screen 600 in Figure 6 shows an example when first user 310 logs in to the second service using an appropriate method. At this time, the dashed frame 610 on screen 600 shows an example of displaying information such as the first user's 310 account and balance on the second service. If there are multiple accounts, first user 310 may select an account to use for remittance.

The bank server 340 obtains the account and remittance amount of the first user 310, who is the entity making the remittance, but is only aware of the second account of the second user 320, who is the entity receiving the remittance. Based on the second account, the bank server 340 can then check whether the second user 320 has a bank service account, and if the second user 320 does not have a bank service account, it can check whether there is account information registered in association with the second account.

FIG. 7 is a diagram illustrating an example of utilizing account information registered in association with a second account in one embodiment of the present invention. Screen 700 of FIG. 7 illustrates an example in which the second user 320's registered account information, such as the second user's real name "Ellie Kim," the bank name "A Bank," and the account number "123-4-56789-0," are displayed to the first user 310. After confirming the displayed information, the first user 310 may press a confirmation button (e.g., "Confirm" on screen 700) to request the bank server 340 to transfer funds from the first user's 310's main account to the account corresponding to the second user's 320's registered account information (account number "123-4-56789-0"). Once the transfer process is complete, the bank server 340 may provide the first user 310 with an information screen indicating that the transfer process has been completed.

On the other hand, there may be no account information registered for the second user 320. In other words, if the second user 320 does not have an account with the corresponding bank service and there is no account information registered for the second user 320's instant messaging service account, the bank server 340 may provide the second user 320 with an account information registration function through the instant messaging server 330.

Figure 8 is a diagram showing an example of a message including a link to an account information registration function in one embodiment of the present invention. Screen 800 in Figure 8 shows an example in which a message 810 for account information registration is displayed in chat room A, as described with reference to Figure 4. In this case, screen 800 shows chat room A from the perspective of second user 320. Message 810 includes information informing first user 310 "Cristy Lee" that she is attempting to transfer money, as well as a link 820 to the account information registration function. When second user 320 selects link 820, second user 320 may be provided with the account information registration function.

At this time, as described above, first, a first function may be provided to the second user 320 to obtain consent from the second user 320 to terms and conditions for at least one of receiving the remittance service provided by the bank server 340 and registering the second user 320's account information on the bank server 340 using the function for receiving account information registration, and the account information registration function may be provided after consent to the terms and conditions.

Figure 9 is a diagram showing an example of an account information registration function in one embodiment of the present invention. Screen 900 in Figure 9 shows an example of the account information registration function provided to second user 320 by bank server 340. Screen 900 in Figure 9 allows second user 320 to select a specific bank from a list 910 of multiple banks, and allows second user 320 to enter the account number of the selected bank ("G bank" in screen 900) using account number input function 920.

The bank server 340 may verify the validity of the selected bank name and the entered account number, and if the validity is verified, may register the account information by recording the second user's 320 real name, bank name, account number, etc. as account information in association with the second user's 320 second account. The second user's 320 real name included in the account information may be entered directly by the second user 320, or may be obtained from the specific bank based on the specific bank name and account number entered as account information.

Meanwhile, the bank server 340 may provide the second user 320, who accesses the bank server 340 through a link included in a message provided to the second user 320 or through the bank server 340's official account for the bank service, with a function for modifying and/or deleting the second user 320's registered account information. As one example, the bank server 340 may send the second user 320 a message through the official account informing them that registration of the second user 320's account information has been completed. At this time, the message may include a link to a function for modifying and/or deleting the registered account information. As another example, the official account of the bank server 340 may be set with a link that allows visiting users to modify and/or delete the account information they have registered. Users who access the link may be identified by their instant messaging service accounts, and the bank server 340 may provide the second user 320 with a function for modifying and/or deleting the account information recorded in association with the account through such account.

Figure 10 is a diagram showing an example of a message notifying the second user 320 that the registration of account information has been completed in one embodiment of the present invention. Screen 1000 of Figure 10 shows a message 1010 for notifying the second user 320 that the registration of account information has been completed. In this case, message 1010 may include a first link 1020 for guiding the second user 320 to register for bank services and begin using the services (e.g., opening and using an account), and a second link 1030 to a function for the second user 320 to modify and/or delete the account information registered.

FIG. 11 is a flowchart illustrating an example of a remittance method of an instant messaging server according to one embodiment of the present invention. The remittance method according to this embodiment may be performed by a computer device 200 implementing the instant messaging server 330 described above. In this case, the processor 220 of the computer device 200 may be implemented to execute control instructions provided by the operating system code and at least one computer program code stored in the memory 210. Here, the processor 220 may control the computer device 200 to perform steps 1110 to 1160 included in the method of FIG. 11 according to the control instructions provided by the code recorded in the computer device 200. As described above, if the remittance request occurs through a bank service, steps 1120 and 1130 may be omitted.

In step 1110, the computer device 200 may provide an instant messaging service. Such step 1110 may provide well-known functions of an instant messaging service, and therefore, a detailed description thereof will be omitted.

In step 1120, the computer device 200 may receive a request for money transfer from a first user to a second user from the first user's terminal through an instant messaging service. For example, a money transfer function may be provided through various pages provided by the instant messaging service, such as a page providing a chat room or a page providing a "friends" list. In this case, the computer device 200 may receive the money transfer request from the first user using the money transfer function. Here, the first user and the second user may correspond to the first user 310 and the second user 320 described with reference to FIG. 3.

In step 1130, the computer device 200 may transmit a remittance request to the bank server. In this case, the remittance request may include the first account of the first user and the second account of the second user according to the identification scheme of the instant messaging service. In this case, the instant messaging service may be linked to a bank service provided by the bank server, and the bank server may identify the first user and the second user based on the first account and the second account included in the remittance request. Here, the bank server may correspond to the bank server 340 described with reference to FIG. 3, and as described above, the link between the instant messaging service and the bank service includes at least being able to identify the same user by the same identifier.

At step 1140, the computer device 200 may receive from the bank server a function transfer request associated with the first user's first account and the second user's second account according to the instant messaging service's identification scheme. Such a function transfer request may be sent from the bank server in response to a request for money transfer from the first user to the second user at the bank server when the second user does not have an account with the bank server and the second user's account information at another bank is not registered with the bank server.

In step 1150, the computer device 200 may send a message including a link to an account information registration function through the interactive session established between the first account and the second account in response to the function transfer request. In this case, a remittance request from the first user to the second user may be processed based on account information registered with the bank server using the account information registration function. For example, if the second user's bank service account or account information with another bank is not registered, the account information registration function may be used to register the second user's account information. In other words, if the message is displayed in a chat room in which the first and second users participate through the interactive session, the second user can access the account information registration function from the link in the message and register their account information with the bank server. In this case, the bank server may process the remittance request using the account information registered by the second user.

On the other hand, the account information registration function may include a first function for receiving consent from the second user to the terms and conditions for at least one of the second user receiving the remittance service provided by the bank server and the second user's account information being registered on the bank server using the account information registration function, and a second function for receiving input of the second user's account information.

Also, if an interaction session has not been established, the computer device 200 may establish an interaction session between the first account and the second account based on the first account and the second account associated with the function transfer request in step 1150.

In step 1160, the computer device 200 may verify that the user who selected the link is the second user by determining whether the account of the user who selected the link is the same as the second account of the second user and by comparing the accounts of the participants in the chat room in which the selected link is displayed with the first and second accounts associated with the message. In one embodiment, when the link is selected, the computer device 200 may verify that the user who selected the link is the second user through SMS (Short Message Service) authentication using the telephone number associated with the second user's second account. Such authentication of the second user also serves to verify the account information registered by the second user. In other words, authentication of the second user may be utilized at least to verify that the registered account information has not been registered by another user.

Meanwhile, in one embodiment, the computer device 200 may provide a link to the account information registration function through the official account (OA) of the bank service provided by the bank server. In another embodiment, the computer device 200 may provide a message including a link to a function for registering account information with the bank service as an advertising message for the bank service provided by the bank server. In this case, by accessing the account information registration function from the link provided through the official account or advertising message, a user can pre-register the account information of another bank from which the user will receive remittances with the bank service, even if the user is not yet registered with the bank service.

Figure 12 is a flowchart illustrating an example of a remittance method of a bank server according to one embodiment of the present invention. The remittance method according to this embodiment may be performed by a computer device 200 that implements the bank server 340 described above. In this case, the processor 220 of the computer device 200 may be implemented to execute control instructions provided by the operating system code and at least one computer program code contained in the memory 210. Here, the processor 220 may control the computer device 200 to perform steps 1210 to 1270 included in the method of Figure 12 according to the control instructions provided by the code recorded in the computer device 200.

In step 1210, the computer device 200 may provide banking services. Such step 1210 may provide well-known banking service functions on a bank server, such as an Internet-only bank, and therefore, detailed description thereof will be omitted.

At step 1220, the computer device 200 may receive a request for a remittance from a first user to a second user based on the first user's first account and the second user's second account according to an identification scheme of an instant messaging service associated with the banking service. As described above, the remittance request may be received through the banking service, but may also be transmitted through the instant messaging service. Furthermore, as described above, the association between an instant messaging service and a banking service may include at least the ability to identify the same user by the same identifier. In this case, the remittance request may include the first account and the second account, and therefore the computer device 200 may identify the first user and the second user based on the first account and the second account according to the identification scheme of the instant messaging service.

In step 1230, the computer device 200 may check whether the second user has an account with the bank service based on the second account. The second user's account referred to here may be an account with the bank service.

In step 1240, if an account has not been opened for the second user, the computer device 200 may check whether account information for the second user has been registered based on the second account. The account information referred to here may include account information for other banks, not just the bank that provides banking services.

In step 1250, if the second user's account information is not registered, the computer device 200 may provide an account information registration function through an instant messaging server that provides an instant messaging service. As an example, the computer device 200 may request the instant messaging server to send a message including a link to the account information registration function through the interactive session established between the first account and the second account.

In step 1260, the computer device 200 may register the account information of the second user using the account information registration function. At this time, messages sent through the interactive session may be associated with the first account and the second account, and the account information may be authenticated by the instant messaging server based on a comparison between the account of the user who selected the link and the second account associated with the message, and a comparison between the account of the participant in the chat room where the selected link is displayed and the first account and the second account associated with the message. In another embodiment, the account information may be authenticated by an SMS (Short Message Service) authentication call made by the instant messaging server to the phone number associated with the second account in response to the link being selected.

In step 1270, the computer device 200 may process the remittance request using the first account of the bank service associated with the first account and the registered account information of the second user.

In this way, according to an embodiment of the present invention, information about an account (e.g., an account at another bank) for receiving remittances is registered by a user who is not registered with a bank service linked to an instant messaging service and/or does not have an account, and the information is recorded in association with the user's instant messaging service account, and a remittance request to the user's instant messaging service account can be processed using the account information recorded in association with the account.

The systems or devices described above may be implemented using hardware components or a combination of hardware and software components. For example, the devices and components described in the embodiments may be implemented using one or more general-purpose or special-purpose computers, such as a processor, controller, arithmetic logic unit (ALU), digital signal processor, microcomputer, field programmable gate array (FPGA), programmable logic unit (PLU), microprocessor, or various devices capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications that run on the OS. The processing device may also access, record, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, the description may refer to the use of a single processing device; however, those skilled in the art will recognize that a processing device may include multiple processing elements and/or multiple types of processing elements. For example, a processing unit may include multiple processors or one processor and one controller. Other processing configurations, such as parallel processors, are also possible.

Software may include computer programs, code, instructions, or a combination of one or more of these, and may configure a processing device to operate as desired or may independently or collectively instruct the processing device. The software and/or data may be embodied in any type of machine, component, physical device, virtual device, computer storage medium, or device to be interpreted by the processing device or to provide instructions or data to the processing device. The software may be distributed, stored, and executed in a distributed manner on computer systems connected by a network. The software and data may be stored on one or more computer-readable storage media.

Methods according to embodiments may be implemented in the form of program instructions executable by various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The medium may continuously record a computer-executable program or temporarily record it for execution or download. Furthermore, the medium may be a variety of recording or storage means, including a single or multiple hardware devices, and is not limited to media directly connected to a computer system but may also be distributed over a network. Examples of media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; ROM, RAM, flash memory, and the like, configured to record program instructions. Other examples of media include recording media or storage media managed by application stores that distribute applications, or other software distribution sites, servers, etc. Examples of program instructions include not only machine code, such as that produced by a compiler, but also high-level language code that is executed by a computer using an interpreter or the like.

While the embodiments have been described above based on limited examples and drawings, those skilled in the art will appreciate that various modifications and variations may be made in light of the above description. For example, the techniques described may be performed in an order different from that described, and/or the components of the described systems, structures, devices, circuits, etc. may be coupled or combined in a manner different from that described, or may be substituted or replaced by other components or equivalents, and still achieve suitable results.

Therefore, even if there are different embodiments, if they are equivalent to the scope of the claims, they fall within the scope of the appended claims.

310: First user 320: Second user 330: Instant messaging server 340: Bank server

Claims (18)

1. A method of remittance for a computer device including at least one processor, comprising:
providing, by said at least one processor, an instant messaging service;
receiving, by the at least one processor, a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service from a bank server that provides bank services associated with the instant messaging service; and transmitting, by the at least one processor, a message including a link to an account information registration function through an interactive session established between the first account and the second account in accordance with the function transfer request ;
A remittance method characterized in that the function transfer request is sent from the bank server in response to a remittance request from the first user to the second user when the second user does not have an account with the bank server and account information of the second user at another bank is not registered in the bank server . the message is associated with the first account and the second account;
The remittance method is
2. The method of claim 1, further comprising: authenticating, by the at least one processor, that the user who selected the link is the second user by determining whether the account of the user who selected the link is the same as the second account of the second user, and by comparing the accounts of participants in the chat room in which the selected link is displayed with the first account and the second account associated with the message. The remittance method is
2. The method of claim 1, further comprising: if the link is selected by the at least one processor, authenticating that the user selecting the link is the second user by SMS authentication using a telephone number associated with the second user's second account. The remittance method is
receiving, by the at least one processor, a remittance request from the first user to the second user from the terminal of the first user through the instant messaging service; and transmitting, by the at least one processor, the remittance request to the bank server,
The remittance method of claim 1, wherein the function transfer request is associated with the first account and the second account included in the remittance request. The transmitting step includes:
2. The remittance method of claim 1, wherein if the interactive session is not established, an interactive session is established between the first account and the second account based on the first account and the second account associated with the function transfer request. The remittance method of claim 1, wherein the account information registration function includes a first function for receiving consent from the second user to terms and conditions for at least one of the second user receiving a remittance service provided by a bank server and the second user's account information being registered on the bank server using the account information registration function, and a second function for receiving input of the second user's account information. The remittance method is
The method of claim 1 , further comprising: providing, by the at least one processor, a link to the account information registration function through an official account of a bank service provided by the bank server. The remittance method is
The remittance method according to claim 1 , further comprising: providing, by the at least one processor, a message including a link to a function for registering account information with the bank service as an advertising message for the bank service provided by the bank server. 1. A method of remittance for a computer device including at least one processor, comprising:
providing, by said at least one processor, banking services;
receiving, by the at least one processor, a request to transfer money from the first user to the second user based on a first account of the first user and a second account of the second user according to an identification scheme of an instant messaging service associated with the banking service;
determining, by the at least one processor, whether an account for the second user is established with the banking service based on the second account;
and determining, by the at least one processor, if an account for the second user has not been opened, whether account information for the second user is registered based on the second account;
providing, by the at least one processor, an account information registration function through an instant messaging server that provides the instant messaging service if the account information of the second user is not registered;
a step of registering, by the at least one processor, account information of the second user using the account information registration function; and a step of processing, by the at least one processor, the remittance request using a first account of the bank service associated with the first account and the registered account information of the second user. The method of claim 9 , wherein the account information includes account information of a bank other than the bank that provides the banking services. The remittance method according to claim 9 , wherein the remittance request includes the first account and the second account. The step of providing the account information registration function includes:
10. The remittance method of claim 9, further comprising: requesting the instant messaging server to send a message including a link to the account information registration function through an interactive session established between the first account and the second account. the message is associated with the first account and the second account;
The remittance method of claim 12, characterized in that the account information is authenticated by the instant messaging server by comparing the account of the user who selected the link with the second account associated with the message, and by comparing the accounts of the participants in the chat room in which the selected link is displayed with the first account and the second account associated with the message. The remittance method of claim 12, wherein the account information is authenticated by an SMS authentication call made by the instant messaging server to a telephone number associated with the second account in response to the link being selected. A computer program recorded on a computer-readable recording medium for causing a computer device to execute the method according to any one of claims 1 to 14 in combination with the computer device. A computer-readable recording medium having a computer program recorded thereon for causing a computer device to execute the method according to any one of claims 1 to 12 . at least one processor implemented to execute computer-readable instructions;
by the at least one processor
provide instant messaging services,
receiving a function transfer request associated with a first account of a first user and a second account of a second user according to an identification scheme of the instant messaging service from a bank server that provides a bank service associated with the instant messaging service;
In response to the function transfer request, a message including a link to an account information registration function is sent through the interactive session established between the first account and the second account ;
The function transfer request is transmitted from the bank server in response to a remittance request from the first user to the second user when the second user does not have an account with the bank server and the account information of the second user at another bank is not registered with the bank server.
A computer device comprising: at least one processor implemented to execute computer-readable instructions;
by the at least one processor
Providing banking services,
receiving a request for a transfer of money from the first user to the second user based on a first account of the first user and a second account of the second user according to an identification scheme of an instant messaging service associated with the banking service;
confirming whether an account of the second user is opened in the bank service based on the second account;
If the second user does not have an account, confirming whether account information of the second user is registered based on the second account;
If the account information of the second user is not registered, an account information registration function is provided from an instant messaging server that provides the instant messaging service;
registering the account information of the second user using the account information registration function;
and processing the remittance request using the first account of the bank service associated with the first account and account information of the registered second user.