Method for providing remittance service, method for operating member account terminal, method for operating administrator account terminal, computer program, server, and terminal

Abstract

To provide a method and a program for managing the use of a remittance service of a protected person's account by a protector account on the basis of a family account being a group of user accounts.SOLUTION: An operation method of a server that provides a remittance service includes the steps of: generating a family account including at least one administrator account and at least one member account in response to a request to generate the family account; receiving a request for setting remittance transfer conditions for member accounts from the administrator account's terminal; and processing remittance requests from member accounts on the basis of the remittance conditions set for the member accounts.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The following embodiments relate to a method and apparatus for a remittance service, and in particular to a server providing the remittance service and a client using the remittance service. [Background technology]

[0002] Fintech (Financial Technology) is a compound word of finance and technology, and refers to financial services and industries based on information technology such as mobile, big data, and SNS. Various financial services that are differentiated from existing financial services have emerged using Fintech technology, such as mobile banking and app cards. Recently, Fintech services have become more widespread, and online remittance services are widely used, as banking operations such as transfers and deposits can be handled directly using a computer or mobile device without visiting a bank. Previously, in order to use online remittance services, it was necessary to use an official certificate or exchange personal information such as the recipient's name, bank name, and account number. Recently, however, technologies to provide convenient online remittance services have been actively developed, such as simplifying the authentication process and simplifying the information required for remittance transactions. Summary of the Invention [Problem to be solved by the invention]

[0003] According to an embodiment, a technique is provided in which a guardian account manages the use of remittance services by a protected account based on a family account, which is a group of user accounts.

[0004] According to an embodiment, a technique is provided that allows a guardian account to manage the use of money transfer services by protected accounts in a specific type of chat room based on a family account, which is a group of user accounts.

[0005] However, the technical issues are not limited to those mentioned above, and further technical issues may exist. [Means for solving the problem]

[0006] A method for providing a remittance service in cooperation with a remittance server by a messaging server providing a messaging service according to one aspect includes the steps of receiving a remittance request for a second user account subscribed to the messaging service from a terminal of a first user account subscribed to the messaging service, determining whether the first user account is joined to a family account if the first user account is a protected account, determining a remittance permission status of the first user account based on remittance conditions set for the first user account joined to the family account, and sending the remittance request to the remittance server based on the remittance permission status.

[0007] The step of determining whether or not the first user account is a family account may include determining whether or not the first user account is a family account based on a type of chat room in which the remittance request is received.

[0008] The step of determining whether or not the first user account is a family account may include a step of determining whether or not the first user account is a family account based on a profile type of the second user account designated as the recipient of the remittance request.

[0009] The method for providing the remittance service may further include receiving, from the remittance server, remittance transaction information corresponding to the remittance request generated based on a remittance limit set for the first user account by the family account.

[0010] The remittance conditions can be set for the member accounts of the family account by an administrator account of the family account.

[0011] The step of determining whether the remittance is permitted may include at least one of the steps of determining whether the remittance is permitted through the chat room in which the remittance request occurred based on the remittance conditions regarding whether the remittance is permitted, and determining whether the remittance amount included in the remittance request is permitted based on the remittance conditions regarding a remittance limit.

[0012] The method for providing a remittance service may further include receiving, from the remittance server, remittance transaction information including the second user account as a recipient, and sending a remittance notification message to the second user account based on the remittance transaction information.

[0013] An operating method of a server providing a remittance service according to one aspect includes the steps of generating a family account including at least one administrator account and at least one member account in response to a request to create a family account, receiving a request to set remittance conditions for the member account from a terminal of the administrator account, and processing a remittance request for the member account based on the remittance conditions set for the member account.

[0014] The administrator accounts may include adult authenticated guardian accounts, and the member accounts may include protected accounts.

[0015] The step of generating the family account may include a step of authenticating whether the user account that requested the generation of the family account is an adult; a step of generating the family account including the authenticated adult user account as an administrator account; a step of sending an invitation request to a terminal of a user account designated by the administrator account as a member account of the family account; and a step of adding the user account that accepts the invitation request to the member account of the family account.

[0016] The remittance conditions may include at least one of whether remittance is permitted through a chat room of a predetermined type, a daily remittance limit through the chat room of the predetermined type, and a single remittance limit through the chat room of the predetermined type.

[0017] A messaging server providing a remittance service in conjunction with a remittance server according to one aspect includes at least one processor that receives a remittance request from a terminal of a first user account subscribed to a messaging service to a second user account subscribed to the messaging service, and if the first user account is a protected account, determines whether the first user account is affiliated with a family account, determines a remittance permission status of the first user account based on remittance conditions set for the first user account affiliated with the family account, and transmits the remittance request to the remittance server based on the remittance permission status.

[0018] In determining whether the first user account is a family account, the processor may determine whether the first user account is a family account based on the type of chat room in which the remittance request is received.

[0019] In determining whether or not a family account is joined, the processor may determine whether or not the first user account is joined to a family account based on a profile type of the second user account designated as the recipient of the remittance request.

[0020] The processor may receive from the remittance server remittance transaction information corresponding to the remittance request generated based on a remittance limit set by the family account on the first user account.

[0021] The remittance conditions can be set for the member accounts of the family account by an administrator account of the family account.

[0022] In determining the remittance approval status, the processor may perform at least one of the following operations: determining whether remittance is approved through the chat room in which the remittance request occurred, based on the remittance conditions regarding whether remittance is approved; and determining whether remittance of the remittance amount included in the remittance request is approved, based on the remittance conditions regarding a remittance limit.

[0023] The processor may receive remittance transaction information from the remittance server that includes the second user account as a payee, and send a remittance advice message to the second user account based on the remittance transaction information.

[0024] A server providing a remittance service in one aspect includes a server that generates a family account including at least one administrator account and at least one member account in response to a request to create a family account, receives a request to set remittance conditions for the member account from a terminal of the administrator account, and includes at least one processor that processes the remittance request for the member account based on the remittance conditions set for the member account. Effect of the Invention

[0025] According to the present invention, in some embodiments, a guardian account can manage the use of remittance services by a protected account based on a family account, which is a group of user accounts.

[0026] According to the present invention, in some embodiments, a guardian account can manage the use of a money transfer service by a protected account in a specific type of chat room based on a family account, which is a group of user accounts. [Brief description of the drawings]

[0027] [Figure 1] 1 is a flowchart of a method of operation of a server providing a remittance service according to one embodiment. [Figure 2A] 13 is a diagram illustrating an example of an interface screen for managing a family account provided to a terminal of an administrator account of a family account according to an embodiment; FIG. [Figure 2B] 13 is a diagram illustrating an example of an interface screen for managing a family account provided to a terminal of an administrator account of a family account according to an embodiment; FIG. [Figure 2C] 13 is a diagram illustrating an example of an interface screen for managing a family account provided to a terminal of an administrator account of a family account according to an embodiment; FIG. [Figure 3A] FIG. 13 illustrates an example interface screen for managing a family account provided to a terminal of a member account of a family account according to one embodiment. [Figure 3B] FIG. 13 illustrates an example interface screen for managing a family account provided to a terminal of a member account of a family account according to one embodiment. [Figure 3C] FIG. 13 illustrates an example interface screen for managing a family account provided to a terminal of a member account of a family account according to one embodiment. [Figure 3D] FIG. 13 illustrates an example interface screen for managing a family account provided to a terminal of a member account of a family account according to one embodiment. [Figure 4] FIG. 1 illustrates a remittance system according to an embodiment. [Diagram 5] 1 is a flowchart illustrating an operation of a method for providing a remittance service in cooperation with a remittance server in a messaging server according to an embodiment. [Figure 6] FIG. 13 is a diagram illustrating the operation of a server for processing a remittance request in response to receiving the remittance request according to an embodiment. [Figure 7A] FIG. 13 illustrates an example of a notification message regarding a non-remittance according to an embodiment. [Figure 7B] FIG. 13 illustrates an example of a notification message regarding a non-remittance according to an embodiment. [Figure 8]FIG. 2 is a diagram illustrating a configuration of a server according to an embodiment; DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0028] The specific structural or functional description of the embodiments is disclosed for the purpose of illustration only, and may be modified in various forms. Therefore, the embodiments are not limited to the specific disclosed forms, and the scope of the present specification includes modifications, equivalents, or alternatives within the technical spirit.

[0029] Although terms such as first or second may be used to describe multiple components, such terms should be construed only for the purpose of distinguishing one component from the other components. For example, a "first component" may be termed a "second component," and similarly, a "second component" may be termed a "first component."

[0030] When a component is referred to as being "coupled" or "connected" to another component, it should be understood that although it is directly coupled or connected to the other component, there may be other components in between.

[0031] The singular expression includes the plural expression unless the context clearly indicates otherwise. In this disclosure, the terms "comprise" or "have" are intended to specify the presence of the described features, numbers, steps, operations, components, parts, or combinations thereof, and should be understood not to preclude the presence or additional possibility of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

[0032] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which the present invention belongs. Commonly used predefined terms should be interpreted as having a meaning consistent with the meaning they have in the context of the relevant art, and should not be interpreted as ideal or overly formal unless expressly defined in this specification.

[0033] Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. In the description with reference to the accompanying drawings, the same components are given the same reference numerals regardless of the reference numerals, and duplicated description thereof will be omitted.

[0034] FIG. 1 is a flow chart of a method of operation of a server providing a remittance service according to one embodiment.

[0035] Referring to FIG. 1, an operating method of a server providing a remittance service in one embodiment includes step S110 of generating a family account including at least one administrator account and at least one member account in response to a request to create a family account, step S120 of receiving a request to set remittance conditions for the member account from a terminal of the administrator account, and step S130 of processing the remittance request for the member account based on the remittance conditions set for the member account.

[0036] The server according to an embodiment is a server that provides a remittance service, and may provide a service of creating and managing accounts of registered users and sending and receiving a certain amount of money using the accounts. For example, the account may refer to a bank account or may refer to an online account that stores virtual electronic currency having a certain monetary value.

[0037] According to an embodiment, the server may provide a messaging service for transmitting and receiving messages between users who have subscribed to the service and for transmitting notification messages to the users who have subscribed to the service. The server may provide a messaging service based on instant messages transmitted and received via a messenger application installed on the terminals of the users who have subscribed to the service, or may provide a messaging service based on a short message service (SMS) provided by a mobile communication operator.

[0038] According to one embodiment, the server can provide a money transfer service via a messenger application, for example, a user who has subscribed to the service can use the messenger application to request the server to transfer a certain amount of money to another user, and the server can process the received money transfer request.

[0039] According to one embodiment, the remittance service and messaging service provided by the server may be provided by separate servers. For example, the server may include a messaging server for providing the messaging service and a remittance server for providing the remittance service. An embodiment in which the remittance server and the messaging server are separated will be described below.

[0040] The server according to an embodiment creates an account corresponding to the user who has requested subscription, and a client logged into the created account can use the service provided by the server. The client may include a terminal of the user logged into the account for the service provided by the server (or a terminal of the user account).

[0041] According to one embodiment, the server may generate an account based on the real name information of the user who has requested the subscription. For example, the server may generate an account for the user based on the authenticated real name information of the user who has requested the subscription and / or a mobile phone number in the name of the real name of the user who has requested the subscription. The account is a unit for identifying a user who has subscribed to a service on the server.

[0042] According to one embodiment, user accounts subscribed to the service may be grouped into family accounts, which may be any group of user accounts in any relationship, including, for example, a group of user accounts in a parent-child relationship, a group of user accounts in a guardian-ward relationship, and / or a group of user accounts in an administrator-supervised relationship.

[0043] According to one embodiment, a family account may include at least one administrator account and at least one member account. The administrator account is a member account that has been granted administrator status. A member account may include a user account that is an authenticated user and is, for example, a guardian account that is authenticated as an adult. A member account may include a protected account that is a user account included in a family account that is not an administrator account and includes, for example, a minor, a weak-minded person, and / or a person with limited capacity. A guardian account and a protected account may include not only a user account that is in a legal guardian-protected relationship, such as a minor and his / her parents, but also a user account that is in a guardian-protected relationship by contract. As an example, a protected account may include a minor account, and a minor account may be determined based on the actual age of the user from the real name information entered when subscribing to the service. An administrator account of a family account may set conditions for using the service, such as a remittance condition for a member account of the family account.

[0044] Step S110 according to an embodiment includes a step of generating a family account in response to a request for generating a family account received from a terminal of any user account that has subscribed to the service. As an example, a terminal of a user account whose administrator qualification has been confirmed may request the server to generate a family account. The administrator qualification is confirmed based on the presence or absence of adult authentication. The user account whose administrator qualification has been confirmed and that has requested the generation of a family account is designated as an administrator account of the generated family account. The terminal of the administrator account of the generated family account may invite other user accounts to become member accounts of the family account, and the user accounts that accept the invitation may be added to the member accounts of the family account. In other words, step S110 according to an embodiment includes a step of authenticating whether or not the user account that has requested the generation of the family account is an adult, a step of generating a family account including the adult-authenticated user account as an administrator account, a step of sending an invitation request to a terminal of a user account that has been designated by the administrator account as a member account of the family account as a member account of the family account, and a step of adding the user account that has accepted the invitation request to the member account of the family account.

[0045] According to one embodiment, any user account that has not been authenticated with administrator status can designate at least one user account with verified administrator status as the administrator of the family account and request the creation of a family account.

[0046] Step S120 according to one embodiment includes receiving a request to set remittance conditions for each member account of the created family account from a terminal of an administrator account of the family account. For example, the remittance conditions may include at least one of whether remittance is permitted through a chat room of a predetermined type, a daily remittance limit through a chat room of a predetermined type, and a single remittance limit through a chat room of a predetermined type.

[0047] According to an embodiment, the predetermined type of chat room may include an anonymous chat room. The anonymous chat room is a chat room that is joined through a temporary profile that is not an account based on a real name. As an example, the anonymous chat room service may include the Open Chat (registered trademark of Kakao Corporation) service provided by the applicant Kakao, specifically, a non-acquaintance-based open chat service provided in the applicant's KakaoTalk application, and the anonymous chat room means a chat room (or a chat room) of the open chat service provided by the applicant Kakao. The open chat service provided by Kakao is merely an example of an anonymous chat room service, and is not limited thereto. The anonymous chat room service may include a service that provides a chat room that is joined through a temporary profile that is not an account based on a real name. The temporary profile is a profile that is temporarily assigned to a user's account. The profile may include an arbitrary name input by the user, not the user's real name information, or a name arbitrarily generated by the server, as identification information. In other words, the anonymous chat room is a chat room that can be joined through a temporary profile temporarily generated without exposing an account based on the user's real name information. Unlike a general chat room for chatting with other users who know the account, the anonymous chat room can be used as a means for chatting between users who do not share accounts. The anonymous chat room according to one embodiment may include a form of a 1:1 chat room or a group chat room including two or more users as participants.

[0048] The predetermined types of chat rooms are not limited to anonymous chat rooms, but may include various types of chat rooms, such as chat rooms in which accounts based on real names participate, and chat rooms in which user accounts who are friends and know each other's account information participate.

[0049] According to one embodiment, a remittance condition may be set for each chat room type. For example, when an administrator account of a family account sets remittance conditions for member accounts, the administrator account may set remittance conditions corresponding to a first type of chat room and a second type of chat room differently.

[0050] According to one embodiment, when a remittance request is received from a member account in step S130, the server processes the remittance request based on the remittance conditions set for the member account. As an example, if a condition is set for the member account that does not allow remittance through a specific chat room (e.g., an anonymous chat room), the server may not process the remittance request of the member account through the chat room. Also, as an example, if the remittance request of the member account exceeds a set remittance limit, the server may not process the remittance request of the member account. If the remittance request of the member account is not processed based on the remittance conditions, the server sends a message to the terminal of the member account to notify that the remittance is not processed. A specific operation of the server processing the remittance request based on the remittance conditions will be described below.

[0051] 2A to 2C are diagrams illustrating interface screens for managing a family account provided to a terminal of an administrator account of a family account according to an embodiment.

[0052] Referring to FIG. 2A, an interface 210 for managing a family account is provided to a terminal of an administrator account of a family account (hereinafter referred to as an administrator). The administrator can request the server to add a member account of the family account through an interfacing object 211 for adding a member account of the family account in the interface 210. The interfacing object may include, for example, a button that calls up another interface in response to a click input by the user, as an object realized to perform a predetermined operation in response to a user's input. The server transmits an invitation request for the family account to the terminal of the user account designated as the member account. User accounts 212 and 213 that accept the invitation are added to the member accounts of the family account. A user account 214 to which an invitation request has been sent but has not yet accepted the invitation may be displayed in a "being invited" state to distinguish it from a member account.

[0053] According to one embodiment, an administrator can access an interface for managing each of the member accounts (e.g., interface 220 of FIG. 2B) via an interfacing object 215 for managing the member accounts. For reference, an interface 220 for managing member accounts is provided on the terminal of the administrator account. The interface 220 may include an interfacing object 221 for setting date information of the member account joining the family account and remittance conditions. For example, the administrator may remove a member account from the family account via an interfacing object 222 for removing the member account from the family account, and the account removed by the administrator will no longer be a member account that has joined the family account.

[0054] According to one embodiment, the administrator can enter an interface for setting remittance conditions of a member account (e.g., interface 230 in FIG. 2C) through an interfacing object 221 for setting remittance conditions of a member account. Referring to FIG. 2C, an interface 230 for setting remittance conditions of a member account is provided on a terminal of an administrator account. The administrator can set whether remittance is permitted through a predetermined type of chat room (e.g., anonymous chat room or open chat room) through interface 230, and can set a one-time remittance limit and a daily remittance limit through a predetermined type of chat room (e.g., anonymous chat room or open chat room).

[0055] 3A to 3D are diagrams illustrating interface screens for managing a family account provided to a terminal of a member account of a family account according to an embodiment.

[0056] Referring to FIG. 3A, an interface 310 for managing a family account may be provided to a terminal of a member account of a family account (hereinafter, referred to as a member). The member requests the server to add an administrator account or a member account of the family account via an interfacing object 311 for adding a member account of the family account in the interface 310. The server transmits an invitation request for the family account to a terminal of a user account designated as the administrator account or the member account. A user account 312, 313 that accepts the invitation is added to the administrator account or the member account of the family account. For example, if an administrator account of a family account has already been added, the server may transmit an invitation request to a terminal of an invitee user account or add a user account that has accepted the invitation to the member account based on the permission of the administrator account. A user account 314 to which an invitation request has been sent but has not yet accepted the invitation may be displayed in a "being invited" state to distinguish it from a member account.

[0057] According to an embodiment, a member may enter an interface for managing his / her member account (e.g., interface 320 in FIG. 3B) through an interfacing object 315 for managing his / her member account. Referring to FIG. 3B, an interface 320 for managing his / her member account may be provided on a terminal of the member account. The interface 320 may include an interfacing object 321 for checking date information of the member account joining the family account and set remittance conditions. As an example, a member may request to leave the family account to which the member has joined through an interfacing object 322 for leaving the family account. Upon the request for leaving, the member account leaves the family account, and once left, the member account no longer corresponds to a member account that has joined the family account. As an example, the request for leaving the member account may be completed as a withdrawal process based on the administrator account's approval of the withdrawal.

[0058] According to one embodiment, a member may check the transfer terms of his / her member account via an interfacing object 321 for checking transfer terms of his / her account. A member can enter an interface for checking remittance conditions (e.g., interface 330 in FIG. 3C) set in his / her account terminal. Referring to FIG. 3C, an interface 330 for checking remittance conditions set in his / her account is provided on the member's account terminal. Through interface 330, the member can check whether remittance is permitted through a predetermined type of chat room (e.g., anonymous chat room or open chat room) and check the settings of a one-time remittance limit and a daily remittance limit through a predetermined type of chat room (e.g., anonymous chat room or open chat room).

[0059] 3A, a member according to one embodiment can enter an interface for referencing other member accounts or administrator accounts of the family account (e.g., interface 340 in FIG. 3D) via interfacing object 316 for referencing other member accounts or administrator accounts of the family account. Referring to FIG. 3D, a member can enter an interface for referencing information on other member accounts or administrator accounts via interface 340 and checking remittance conditions set for the relevant accounts via interfacing object 341.

[0060] FIG. 4 is a diagram illustrating a remittance system according to an embodiment.

[0061] As described above, the servers providing the remittance service described above with reference to Fig. 1 include the messaging server 410 and the remittance server 420. Referring to Fig. 4, a remittance system according to an embodiment includes the messaging server 410, the remittance server 420, and a client 430. The messaging server 410 and the remittance server 420 include devices that cooperate with each other to provide the remittance service. The client 430 includes a terminal of a user of the remittance service provided by the messaging server 410 and the remittance server 420.

[0062] The messaging server 410 according to one embodiment is a server that provides a messaging service, and can provide a messaging service for sending and receiving messages between users who have subscribed to the services provided by the messaging server 410, and for sending notification messages to subscribed users.

[0063] As an example, in the messaging server 410, a message is delivered to the account of a user designated as a recipient, and a list of chat rooms in which the user participates and messages sent and received in the chat rooms are stored corresponding to the user's account. The client 430 can set a friend relationship with an account of a user different from its own account, and send and receive messages to and from the account of the other user set as a friend relationship via the messaging server 410.

[0064] According to an embodiment, the messaging server 410 may provide a messaging service not only to users who have subscribed to the messaging service, but also to users who have subscribed to other services linked with the messaging server 410. The client 430 may log in with an account of the other services linked with the messaging server 410 and use the services provided by the messaging server 410. The messaging server 410 according to an embodiment may provide an anonymous chat room service.

[0065] The remittance server 420 according to an embodiment is a server that provides a remittance service in conjunction with the messaging server 410, and can provide a service of creating and managing accounts of registered users and sending and receiving a certain amount of money using the accounts. For example, the remittance server 420 may include an online banking server of a bank, or an online banking server that provides a remittance service via an application.

[0066] According to one embodiment, the remittance server 420 creates an account corresponding to the user who has requested to join, and the client 430 logged into the created account can use the services provided by the remittance server 110. According to one embodiment, the account corresponding to the messaging server 410 and the account corresponding to the remittance server 420 of the same user can be linked to each other, for example, the messaging server 410 can identify the account corresponding to the messaging server 410 from the account corresponding to the remittance server 420, and the remittance server 420 can identify the account corresponding to the remittance server 420 from the account corresponding to the messaging server 410.

[0067] According to an embodiment, the messaging server 410 may provide a remittance service in conjunction with the remittance server 420. As an example, the messaging server 410 may provide a user who has subscribed to the messaging service with the ability to request remittance to another user's account and to request receipt of the remitted amount from the other user's account via a messaging application or chat room interface. The remittance server 420 may identify a remitter who has requested remittance to the messaging server 410 and a recipient of the requested remittance, and process a remittance transaction between the remitter's account and the recipient's account provided by the remittance server 420. The messaging server 410 may deliver a message for the remittance transaction processed by the remittance server 230 to the user's account. In other words, the messaging server 410 may provide a remittance service in conjunction with the remittance server 130 to a client 430 logged into a created account. According to one embodiment, the messaging server 410 may interface with a remittance server 420 to provide a remittance service whereby a participant in an anonymous chat room, whose account information is not known, can request a remittance of money by designating another participant as the recipient.

[0068] FIG. 5 is a flowchart illustrating a method for providing a remittance service in cooperation with a remittance server in a messaging server according to an embodiment.

[0069] A method of providing a remittance service in cooperation with a remittance server using a messaging server according to one embodiment includes step S510 of receiving a remittance request for a second user account subscribed to the messaging service from a terminal of a first user account subscribed to the messaging service, step S520 of determining whether the first user account is joined to a family account if the first user account is a protected account, step S530 of determining whether the first user account is allowed to remit based on the remittance conditions set for the first user account joined to the family account, and step S540 of sending the remittance request to the remittance server based on the remittance allowed status.

[0070] In step S510 according to an embodiment, the first user account is a remitter and the second user account is a recipient. The remittance request is received through a chat room in which the first user account and the second user account participate. As an example, the first user account and the second user account can participate in an anonymous chat room using a temporary profile, and a remittance request specifying the temporary profile of the second user account as a recipient can be received from the terminal of the first user account through the anonymous chat room. As another example, the remittance request can be received through a general chat room in which the user participates using a real-name-based profile, or the remittance request can be received together with information of the second user account registered as a friend to the first user account without going through a chat room.

[0071] According to one embodiment, the messaging server may be responsive to a remittance request received from a terminal of a first user account to determine whether the first user account requesting the remittance is a protected account. The account may be determined to be a protected account based on the real name information of the account. For example, if the age information included in the real name information of the account indicates that the user of the account is a minor, the account is determined to be a protected account. If the user account that requested the remittance is a protected account, the messaging server determines whether the account is a family account.

[0072] Step S510 according to an embodiment includes a step of determining whether the first user account, which is a protected account, is a member of a family account based on the type of the chat room in which the remittance request is received. As an example, when a remittance request occurs in a chat room of a predetermined specific type, whether the first user account, which is a protected account that has requested the remittance, is a member of a family account may be determined. For example, when a remittance request occurs from the first user account in a chat room of the first type, the messaging server determines whether the first user account is a member of a family account and determines whether the remittance is permitted. On the other hand, when a remittance request occurs from the first user account, which is a protected account, in a chat room of the second type, the remittance is permitted regardless of whether the first user account is a member of a family account. As an example, the first type of chat room may be an anonymous chat room, and the second type of chat room may be a different type of chat room that is not an anonymous chat room (e.g., a general chat room that is joined via a real-name-based profile).

[0073] Step S520 according to an embodiment includes a step of determining whether the first user account, which is a protected account, is a member of a family account based on the profile type of the second user account designated as the recipient of the remittance request. As an example, when a remittance request is made specifying a profile of a predetermined specific type as the recipient, whether the first user account, which is a protected account that has requested the remittance, is a member of a family account is determined. For example, when a remittance request is made by the first user account specifying a profile of the first type as the recipient, the messaging server may determine whether the first user account is a member of a family account and determine whether the remittance is permitted. On the other hand, when a remittance request is made by the first user account specifying a profile of the second type as the recipient, the remittance may be permitted regardless of whether the family account is a member. As an example, the first type of profile corresponds to a temporary profile, and the second type of profile corresponds to a real name-based profile.

[0074] According to one embodiment, a remittance condition may be set for a first user account that has joined a family account. The remittance condition may be set for a member account of the family account by an administrator account of the family account. As described above, the remittance condition may include at least one of whether remittance is permitted through a chat room of a predetermined type, a daily remittance limit through a chat room of a predetermined type, and a single remittance limit through a chat room of a predetermined type.

[0075] Step S530 according to an embodiment includes determining whether the remittance request is permitted based on remittance conditions set for the first user account that has joined the family account. As an example, step S530 may include at least one of determining whether remittance through the chat room in which the remittance request occurred is permitted based on remittance conditions related to whether remittance is permitted, and determining whether the remittance amount included in the remittance request is permitted based on remittance conditions related to a remittance limit.

[0076] For example, the remittance conditions regarding whether remittance is permitted may include a condition regarding whether remittance is permitted set for each type of chat room. For example, the remittance conditions regarding remittance limits may include a condition regarding a daily limit amount and / or a condition regarding a one-time limit, and the condition regarding the remittance limit may also be set for each type of chat room. A remittance permission status may be determined, including at least one of whether remittance is permitted corresponding to the type of chat room, a daily remittance limit corresponding to the type of chat room from which the remittance request occurred, and a single remittance limit corresponding to the type of chat room from which the remittance request occurred.

[0077] According to one embodiment, if the first user account, which is a protected account, does not join a family account, no remittance conditions are set and remittance requests may or may not always be granted.

[0078] Step S540 in one embodiment includes sending the remittance request to the remittance server if it is determined that the remittance is acceptable, and not sending the remittance request to the remittance server if it is determined that the remittance is not acceptable.

[0079] For example, referring to Fig. 6, in response to receiving a remittance request from a terminal of a first user account (S610), the messaging server determines whether the first user account requesting the remittance is a protected account (S620). If the first user account is a protected account, the messaging server determines whether the first user account is a member of a family account (S640).

[0080] According to one embodiment, the messaging server determines whether or not the first user account is joined to a family account based on the type of the chat room in which the remittance request occurred. For example, the type of the chat room in which the remittance request occurred is determined (S630). If the type of the chat room in which the remittance request occurred is an anonymous chat room, the messaging server determines whether or not the first user account is joined to a family account (S640). If the type of the chat room in which the remittance request occurred is not an anonymous chat room (e.g., if it is a general chat room), the messaging server can send the remittance request to the remittance server (S660) regardless of whether or not the first user account is joined to a family account and the remittance conditions.

[0081] According to one embodiment, if the first user account is not a member of a family account, the remittance request of the first user account may not be processed, and the messaging server sends a remittance failure notification to the terminal of the first user account (S670).

[0082] According to one embodiment, when a first user account joins a family account, a remittance permission state is determined based on the set remittance conditions (S650). As an example, if the administrator account of the family account sets the first user account to not allow remittance, remittance is determined to be in a state not allowed, and a remittance failure notice is sent to the terminal of the first user account (S670). As another example, if the administrator account of the family account sets conditions related to a remittance limit for the first user account, when the remittance amount of a remittance request exceeds the conditions related to the remittance limit, remittance of the first user account is determined to be in a state not allowed, and a remittance failure notice is sent to the terminal of the first user account (S670).

[0083] According to one embodiment, based on the remittance conditions, if the remittance is determined to be allowed according to the set conditions, the messaging server sends a remittance request to the remittance server (S660). As an example, if the remittance of the first user account is set as allowed and the remittance amount by the remittance request satisfies the set condition regarding the remittance limit, the messaging server sends a remittance request to the remittance server (S660). Also, as an example, if the condition regarding the remittance limit is not set, the remittance request may be processed based on the condition regarding whether the remittance is allowed. Also, as an example, if the condition regarding whether the remittance is allowed is not set, the remittance request may be processed based on the condition regarding the remittance limit.

[0084] According to one embodiment, when a remittance request is sent to a remittance server, a messaging server The remittance service providing method may further include receiving, from the remittance server, remittance transaction information corresponding to the remittance request generated based on the remittance limit set for the first user account by the family account.

[0085] According to one embodiment, the remittance conditions related to the remittance limit are sent to the remittance server, and the remittance server determines the conditions related to the remittance limit. In other words, the messaging server determines the remittance conditions related to whether the remittance is allowed, and if the remittance is allowed, the remittance request can be sent to the remittance server regardless of the remittance amount. The remittance server can compare the remittance amount of the remittance request with the conditions related to the remittance limit to determine whether the remittance is allowed according to the limit conditions. If the requested amount of remittance exceeds the remittance limit, the remittance server notifies the terminal of the first user account that the remittance cannot be processed. The remittance server may notify the messaging server to the terminal of the first user account that the remittance cannot be processed, or the messaging server may send a remittance failure notification to the terminal of the first user account.

[0086] According to one embodiment, the method of providing a remittance service by the messaging server may further include receiving, from the remittance server, remittance transaction information including the second user account as a recipient, and sending a remittance advice message to the second user account based on the remittance transaction information. The remittance advice message and the remittance failure notice message are described below.

[0087] 7A and 7B are diagrams illustrating a notification message regarding a remittance failure according to an embodiment.

[0088] 7A, when an administrator account of a family account according to an embodiment sets a remittance condition that does not allow a member account to remit money through an anonymous chat room, the messaging server transmits a remittance failure notification message 710 to the terminal of the member account that requested the remittance through the anonymous chat room. The remittance failure notification message 710 may include a guide message that says "Anonymous chat remittance is not allowed."

[0089] According to one embodiment, the remittance failure notification message 710 may include an interfacing object 711 for checking remittance conditions. The terminal of the member account can enter an interface (e.g., interface 330 in FIG. 3C ) for checking the remittance conditions set for the member account by the administrator account of the family account via the interfacing object 711 of the message 710.

[0090] According to one embodiment, the information message of the money transfer failure notification message may be changed according to the money transfer conditions that limit the money transfer request. For example, referring to FIG. 7B, if the money transfer request is not processed according to the conditions regarding the one-time transfer limit, the messaging server may send a money transfer failure notification message 720 to the terminal of the member account that requested the money transfer via the anonymous chat room. The money transfer failure notification message 720 may include a information message that says, "Anonymous chat money transfer has exceeded the one-time limit (50,000 won)."

[0091] Also, for example, if a remittance request is not processed in accordance with the conditions regarding the daily remittance limit, a remittance failure notification message sent to the member account terminal may include a guidance message stating, "Anonymous chat remittance has exceeded the daily limit (100,000 won)."

[0092] According to one embodiment, the remittance failure notification message 720 may include an interfacing object 721 for confirming the remittance conditions. The member account terminal may confirm the remittance conditions of the family account through the interfacing object 721 of the message 720. The user may then enter an interface (eg, interface 330 in FIG. 3C) to check the remittance conditions set for his / her account by the user's administrator account.

[0093] FIG. 8 is a diagram illustrating an example of a configuration of a server according to an embodiment.

[0094] 8, the server 800 includes a processor 801, a memory 803, and a communication module 805. The server 800 according to an embodiment may include the server or messaging server described above with reference to FIGS.

[0095] The processor 801 according to an embodiment may perform at least one of the operations described above with reference to FIGS.

[0096] As an example, the processor 801 may perform a method of operating a server providing a remittance service, including step S110 of generating a family account including at least one administrator account and at least one member account in response to a request to generate a family account as described above with reference to FIG. 1, step S120 of receiving a request to set remittance conditions for the member account from the terminal of the administrator account, and step S130 of processing a remittance request for the member account based on the remittance conditions set for the member account.

[0097] In addition, as an example, the processor 801 may perform a method of providing a remittance service in cooperation with a remittance server via a messaging server, including step S510 of receiving a remittance request for a second user account subscribed to the messaging service from a terminal of a first user account subscribed to the messaging service described above with reference to FIG. 5, step S520 of determining whether the first user account is joined to a family account if the first user account is a protected account, step S530 of determining a remittance permission status of the first user account based on the remittance conditions set for the first user account joined to the family account, and step S540 of sending the remittance request to the remittance server based on the remittance permission status.

[0098] The memory 803 according to an embodiment may be a volatile memory or a non-volatile memory, and may store data related to the method of providing the remittance service described above with reference to Figures 1 to 7. As an example, the memory 803 may store data generated in the process of providing the remittance service or data necessary for providing the remittance service. For example, the memory 803 may store data related to remittance conditions set for the member account by the account subscribing to the service, the family account, and the administrator account of the family account.

[0099] The communication module 805 according to an embodiment can provide a function for the server 800 to communicate with other electronic devices or other servers via a network. In other words, the server 800 can be connected to an external device (e.g., a terminal, a server, or a network of a user account) via the communication module 805 and exchange data. For example, the server 800 can transmit and receive data with other servers and clients included in a remittance system (e.g., the advertising system 400 in FIG. 4) via the communication module 805.

[0100] According to an embodiment, the memory 803 may store a program embodying the operation method of a server providing a remittance service described above with reference to FIGS. 1 to 7 and / or the method of providing a remittance service by a messaging server providing a messaging service in cooperation with a remittance server. The processor 801 executes the program stored in the memory 803. and control the server 800. The code of the program executed by the processor 801 can be stored in the memory 803.

[0101] The server 800 according to an embodiment may further include other components not shown. For example, the server 800 may further include an input / output interface including an input device and an output device as a means for interfacing with the communication module 805. Also, for example, the server 800 may further include other components such as a transceiver, various sensors, a database, etc.

[0102] The embodiments described above may be implemented using hardware components, software components, or a combination of hardware and software components. For example, the devices and components described in the embodiments may be implemented using a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor (DSP), a PLC, a memory, a memory controller ... The processor may be embodied using one or more general-purpose or special-purpose computers, such as a signal processor, a microcomputer, a field programmable array (FPA), a programmable logic unit (PLU), a microprocessor, or a different device that executes and responds to instructions. The processor executes an operating system (OS) and one or more software applications that run on the operating system. The processor also accesses, stores, manipulates, processes, and generates data in response to the execution of the software. For ease of understanding, the processor may be described as being one in which a single processor is used, but one skilled in the art will appreciate that the processor may include multiple processing elements and / or multiple types of processing elements. For example, the processor may include multiple processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

[0103] The software may include computer programs, codes, instructions, or any combination of one or more thereof, capable of configuring or instructing a processing device to operate as desired, either independently or in combination. The software and / or data may be embodied in any type of machine, component, physical device, virtual device, computer storage medium or device, or transmitted signal wave, either permanently or temporarily, to be interpreted by the processing device or to provide instructions or data to the processing device. The software may be distributed across computer systems coupled to a network, and may be stored and executed in a distributed manner. The software and data may be stored on one or more computer readable recording media.

[0104] The method according to the present invention may be embodied in the form of program instructions to be executed by various computer means and recorded on a computer-readable recording medium. The recording medium may include program instructions, data files, data structures, and the like, alone or in combination. The recording medium and the program instructions may be specially designed and constructed for the purposes of the present invention, or may be well known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, and hardware devices specially configured to store and execute program instructions, such as ROMs, RAMs, flash memories, and the like. Examples of program instructions include not only machine language code, such as that generated by a compiler, but also high-level language code executed by a computer using an interpreter, etc.

[0105] The hardware devices described above may include one or more software components for performing the operations described in this invention. It may be configured to operate as a software module or vice versa.

[0106] Although the embodiments have been described above with reference to limited drawings, those skilled in the art may apply various technical modifications and variations based on the above description. For example, the described techniques may be performed in a different order than described, and / or the components of the described systems, structures, devices, circuits, etc. may be combined or combined in a different form than described, and may be replaced or substituted with other components or equivalents to achieve appropriate results.

[0107] Accordingly, other implementations, embodiments, and equivalents of the claims are intended to be within the scope of the following claims.

Claims

1. A method for providing a remittance service in cooperation with a remittance server in a messaging server that provides a messaging service, comprising: receiving, from a terminal of a first user account that has subscribed to the messaging service, a remittance request for a second user account that has subscribed to the messaging service; determining whether remittance of the first user account is permitted based on a remittance condition set for the first user account by an administrator account of a group to which the first user account belongs; sending the remittance request to the remittance server based on the determination of whether the first user account is allowed to remit; (c) a method for providing money transfer services,

2. A method for providing a remittance service as described in claim 1, wherein the remittance conditions include conditions based on at least one of the type of chat room in which the remittance request was received and the profile type of the second user account.

3. A method for providing a remittance service as described in claim 1, wherein the group includes at least one administrator account and at least one member account.

4. A method for providing a remittance service as described in claim 1, wherein the step of determining whether remittance is permitted for the first user account includes a step of determining whether remittance is permitted for the first user account when the first user account is a member account of the group.

5. A method for providing a remittance service as described in claim 1, wherein the remittance conditions corresponding to the first type of chat room and the remittance conditions corresponding to the second type of chat room are at least partially different from each other.

6. A method for providing a remittance service as described in claim 1, wherein the step of determining whether remittance is permitted for the first user account includes a step of determining whether remittance is permitted for the remittance amount included in the remittance request based on the remittance conditions relating to remittance limits.

7. A method for providing the remittance service described in claim 1, wherein the administrator account includes an adult-verified account.

8. The remittance conditions are: Whether or not money transfers are allowed through pre-determined types of chat rooms; a daily transfer limit through said predetermined type of chat room; and The upper limit of remittance amount per time through the chat room of the predetermined type, 2. The method of providing a remittance service according to claim 1, comprising at least one of:

9. A method of operating a terminal of a member account that uses a messaging service, comprising: requesting a transfer of funds to a second user account subscribed to the messaging service; outputting a processing result of the request based on a remittance condition set by an administrator account of a group to which the member account belongs; How your Member Account's devices operate, including

10. A method of operating a terminal of a member account as described in claim 9, wherein the transfer conditions include conditions based on at least one of the type of chat room in which the transfer request was received and the profile type of the second user account.

11. A method for operating a terminal of a member account as described in Claim 9, wherein the step of outputting the processing result of the request includes a step of outputting a remittance impossibility notification message if it is determined that the remittance conditions do not permit the member account to remit.

12. A method for operating a terminal of a member account as described in claim 9, wherein the step of outputting a result of processing the request includes a step of outputting a message for a remittance transaction processed in response to the request if it is determined that the remittance conditions permit the member account to remit.

13. A method for operating a terminal of an administrator account that uses a messaging service, comprising: requesting a server to create a group including at least one member account; setting transfer terms for said member account; Including how the terminal works with an administrator account.

14. A method of operating a terminal of an administrator account as described in claim 13, wherein the remittance conditions include conditions based on at least one of the type of chat room in which the remittance request occurred on the terminal of the member account and the profile type of an account designated as the recipient of the remittance request.

15. A method for operating a terminal of an administrator account as described in claim 13, wherein the step of requesting the generation of the group includes a step of transmitting an authentication result of whether the administrator account is an adult to the server.

16. A method of operating a terminal of an administrator account as described in claim 13, wherein the step of requesting the generation of the group includes a step of transmitting information of at least one user account selected as a member account of the group.

17. A computer program stored on a computer readable medium for performing, in combination with hardware, the method according to any one of claims 1 to 16.

18. A server comprising: one or more processors; Memory for storing instructions Including, The instructions, when executed by the one or more processors, cause the server to: receiving, from a terminal of a first user account subscribed to a messaging service, a request to remit money to a second user account subscribed to the messaging service; A step of determining whether or not remittance of the first user account is permitted based on a remittance condition set in the first user account by an administrator account of a group to which the first user account belongs; sending the remittance request to a remittance server based on whether the first user account is allowed to remit; The server on which the

19. A terminal for a member account using a messaging service, comprising: one or more processors; Memory for storing instructions Including, The instructions, when executed by the one or more processors, cause the terminal to: requesting a transfer of funds to a second user account subscribed to the messaging service; outputting a processing result of the request based on a remittance condition set by an administrator account of a group to which the member account belongs; The terminal on which it runs.

20. A terminal of an administrator account using a messaging service, one or more processors; Memory for storing instructions Including, The instructions, when executed by the one or more processors, cause the terminal to: requesting a server to create a group including at least one member account; setting transfer terms for said member account; The terminal on which it runs.

Images