Remittance method, computer program, computer-readable recording medium, and computer device

Abstract

To provide a remittance method and system using an instant messaging service.SOLUTION: A remittance method includes the steps of: providing an instant messaging service; receiving a function transmission request associated with a first account of a first user and a second account of a second user using an identification scheme of the instant messaging service, from a bank server which provides a banking service associated with the instant messaging service; and transmitting a message, in accordance with the function transmission request, including a link to an account information registration function through a dialogue session established between the first account and the second account.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The following description relates to a method and system for transferring money using an instant messaging service. [Background technology]

[0002] Technology exists to process money transfers over instant messaging services.

[0003] 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, information about the user's instant messaging service account and 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 of the instant messaging service on the instant messaging service and request a transfer. When 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.

[0004] 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 encounter a problem in which they cannot transfer money 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, but 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 money transfer, the instant messaging service and the linked bank service do not know the fourth user's account, and therefore the money 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 money 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 money transfer and then process the money transfer after obtaining the account information. In particular, there is a problem in that the request and receipt of such account information must be carried out every time a remittance is made to a fourth user. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Korean Patent Publication No. 10-2019-0095618 Summary of the Invention [Problem to be solved by the invention]

[0006] To provide a method and system for remittance, which receives registration of account information (for example, an account at another bank) for remittance from a user who is not registered with a bank service linked to an instant messaging service and / or does not have an account, records the information in association with the user's instant messaging service account, and processes a remittance request to the user's instant messaging service account using the account information recorded in association with the account. [Means for solving the problem]

[0007] Provided is a method for transferring money in a computer device including at least one processor, 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.

[0008] According to one aspect, the function transfer request may be characterized in that it is sent from the bank server in response to a remittance request 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.

[0009] According to another aspect, the message may be associated with the first account and the second account, and the money transfer method may further include 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.

[0010] According to another aspect, the remittance method may further include, when the link is selected, authenticating by the at least one processor that the user selecting the link is the second user through Short Message Service (SMS) authentication using a telephone number associated with the second user's second account.

[0011] According to 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 terminal of the first user 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.

[0012] According to another aspect, the sending step may be characterized by establishing an interactive 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 interactive session has not been established.

[0013] According to 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.

[0014] According to 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 a bank service provided by the bank server.

[0015] According to yet another aspect, the remittance method may further include providing, by the at least one processor, a message advertising a bank service provided by the bank server, the message including a link to a function for registering account information with the bank service.

[0016] a step of receiving, by the at least one processor, a remittance method for a computer device including at least one processor, the remittance method including: providing, by the at least one processor, a banking service; receiving, by the at least one processor, 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; 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; checking, by the at least one processor, whether account information of the second user has been registered based on the second account if an account of the second user has not been opened; 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, by the at least one processor, the remittance request using a first account of the banking service associated with the first account and the registered account information of the second user.

[0017] According to one aspect, the account information may include account information of a bank other than the bank that provides the banking services.

[0018] According to another aspect, the remittance request may include the first account and the second account.

[0019] According to 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.

[0020] 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 with which the message is associated, and a comparison of the accounts of participants in a chat room in which the selected link is displayed with the first account and the second account with which the message is associated.

[0021] According to yet another aspect, the account information may be authenticated by a Short Message Service (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.

[0022] A computer program is provided that is recorded on a computer-readable recording medium and that, when combined with a computer device, causes the computer device to execute the method.

[0023] A computer-readable recording medium is provided, on which a program for causing a computer device to execute the method is recorded.

[0024] A computer device is provided, comprising: at least one processor configured to execute computer-readable instructions; the at least one processor receiving, from a bank server that provides an instant messaging service and that provides banking services associated with 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 transmitting, 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.

[0025] 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; a second account of the second user according to the identification scheme of an instant messaging service associated with the banking service; a check based on the second account whether an account of the second user has been opened with the banking service; if an account of the second user has not been opened, a check based on the second account whether account information of the second user has been registered; if the account information of the second user has not been registered, an account information registration function is provided through an instant messaging server providing the instant messaging service; a check based on the second account whether account information of the second user has been registered; and a process for the remittance request using a first account of the banking service associated with the first account and the registered account information of the second user. [Effects of the Invention]

[0026] When a user who is not registered with a banking service linked to an instant messaging service and / or does not have an account registers account information for remittance (e.g., an account at another bank), the account 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. [Brief explanation of the drawings]

[0027] [Figure 1] FIG. 1 illustrates an example of a network environment in accordance with an embodiment of the present invention. [Figure 2] FIG. 1 is a block diagram illustrating an example of a computing device according to an embodiment of the present invention. [Figure 3]1 is a flowchart illustrating an example method for sending money in accordance with an embodiment of the present invention. [Figure 4] FIG. 1 illustrates an example chat room that includes a money transfer feature in accordance with one embodiment of the present invention. [Figure 5] FIG. 10 is a diagram showing an example of a screen for inputting a remittance amount in one embodiment of the present invention. [Figure 6] 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. [Figure 7] 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. [Figure 8] 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. [Figure 9] FIG. 10 is a diagram illustrating an example of an account information registration function in one embodiment of the present invention. [Figure 10] 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. [Figure 11] 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. [Figure 12] 10 is a flowchart illustrating an example of a remittance method of a bank server in an embodiment of the present invention. DETAILED DESCRIPTION OF THE INVENTION

[0028] Hereinafter, the embodiments will be described in detail with reference to the accompanying drawings.

[0029] The remittance system according to the embodiment of the present invention may be realized by at least one computer device. In this case, a computer program according to the embodiment of the present invention may be installed and executed in the computer device, and the computer device may execute the remittance method according to the 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.

[0030] FIG. 1 is a diagram showing an example of a network environment in one embodiment of the present invention. The network environment in FIG. 1 shows an example including multiple electronic devices 110, 120, 130, and 140, multiple servers 150 and 160, and a network 170. FIG. 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 FIG. 1. Furthermore, the network environment in FIG. 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 FIG. 1.

[0031] The electronic devices 110, 120, 130, and 140 may be fixed or mobile terminals implemented by computers. 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 represent one of a variety of physical computer devices capable of communicating with the other electronic devices 120, 130, and 140 and / or the servers 150 and 160 via the network 170 using a substantially wireless or wired communication method.

[0032] The communication method is not limited, and may include not only communication methods using communication networks (such as a mobile communication network, a wired Internet, a wireless Internet, a broadcast network, and a satellite network) that can be included in network 170, but also short-range wireless communication between devices. For example, network 170 may include any one or more of 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, and the like. Furthermore, network 170 may include any one or more of a network topology including, but not limited to, a bus network, a star network, a ring network, a mesh network, a star-bus network, a tree network, or a hierarchical network.

[0033] Each of the servers 150, 160 may be realized by one or more computer 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 service, financial service, game service, group calling service (or audio conferencing service), messaging service, email service, social networking service, map service, translation service, payment service, search service, content provision service, etc.) to multiple electronic devices 110, 120, 130, 140 connected via the network 170.

[0034] 2 is a block diagram showing an example of a computer device according to an embodiment of the present invention. Each of the electronic devices 110, 120, 130, and 140 and each of the servers 150 and 160 described above may be realized by a computer device 200 shown in FIG.

[0035] 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 random access memory (RAM), read-only memory (ROM), 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 another embodiment, the software components may be loaded into the memory 210 through a communication interface 230, which is not a computer-readable recording medium. For example, the software components may be loaded into the memory 210 of the computing device 200 based on a computer program installed by a file received over the network 170 .

[0036] 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 by 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.

[0037] The communication interface 230 may provide a function for the computer device 200 to communicate with other devices (e.g., the above-mentioned storage device) via the network 170. For example, requests, instructions, data, files, etc. generated by the processor 220 of the computer device 200 in accordance with program code stored in a storage 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, instructions, 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, instructions, 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 storage medium (e.g., the above-mentioned permanent storage device) that the computer device 200 may further include.

[0038] The input / output interface 240 may be a means for interfacing with the input / output device 250. For example, the input device may include a device such as a microphone, keyboard, or mouse, and the output device may include a device such as a display or 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 configured as a single device with at least one computer device 200. For example, like a smartphone, the touchscreen, microphone, speaker, etc. may be implemented in a form in which the computer device 200 is included.

[0039] Also, in other embodiments, computing device 200 may include fewer or more components than those shown in Figure 2. However, most prior art components need not be explicitly shown in the figures. For example, 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.

[0040] Figure 3 is a flowchart illustrating an example of a remittance method according to an 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.

[0041] In step 351, the bank server 340 may receive a remittance request from the first user 310 to the second user 320 from the terminal of the first user 310. The 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. The 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 the 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.

[0042] In the two examples described above, the first user 310 and the second user 320 may be commonly identified by an identifier according to the identification scheme of the instant messaging service on the instant messaging server 330 and the bank server 340. In other words, collaboration between the instant messaging service and the bank service may include at least the ability to identify the same user by the same identifier.

[0043] 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 may transmit 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 identifier (first account and second account).

[0044] The remittance amount may be included in the remittance request, or after the remittance request is transmitted to the bank server 340, the remittance amount 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.

[0045] In step 352, the bank server 340 may check, based on the second account of the second user 320, whether the second user 320 has an account with the bank server 340. 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.

[0046] 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.

[0047] Additionally, if both first user 310 and second user 320 have accounts with bank server 340, bank server 340 may process a transfer from a first account of first user 310 to a second account of second user 320. If first user 310 has an account with bank server 340 but second user 320 does not have an account with bank server 340, step 353 may be performed.

[0048] 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 of the second user 320 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 a banking service provided by the bank server 340 and / or does not have an account with the bank server 340, the user can use the banking service of the bank server 340 by registering account information of another bank with the bank server 340 and can use an account for an instant messaging service as an account for depositing funds.

[0049] In this case, if account information associated with and authenticated by the second account of the second user 320 is registered, the bank server 340 may process a remittance from the first account of the first user 310 to an account (e.g., an account at another bank) based on the registered account information of the second user 320. 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 the 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, and account number) at the other bank in association with the second user 320's instant messaging service account (the above-mentioned second account), thereby enabling the second user 320 to also participate in remittances to the account of the instant messaging service.

[0050] On the other hand, if the authenticated account information of the second user 320 is not registered, step 354 may be executed.

[0051] 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. Such an interactive session may be an interactive session for sending and receiving messages through an instant messaging service. In this case, the first user 310 and the second user 320 may exchange messages in chat rooms 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.

[0052] 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 interactive session including a link to the function for registering account information so 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 account information of the second user 320 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 function for registering account information in the interactive session. Here, the account information may include account information of a bank other than the bank that provides banking services (the bank of the bank server 340).

[0053] 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, touch an area displayed in association with the link in a touchscreen environment (for example, a selection button area)).

[0054] 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 who is 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 (the first account and the 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.

[0055] 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 Short Message Service (SMS) authentication using a phone 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 interactive session rather than an interactive session between the first account and the second account. For example, an instant messaging service may have various official accounts (OA), and an official account corresponding to a banking service of the bank server 340 may also exist. In this case, the corresponding function may be provided to the second user 320 through a interactive session between the official account corresponding to the banking service and the second account of the second user 320.

[0056] Meanwhile, the function for receiving registration of account information 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 in the bank server 340 using the function for receiving registration of account information, and a second function for receiving input of the second user 320's 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 in the bank server 340, and a function for actually inputting account information in accordance with the consent to the terms and conditions may be provided to the second user 320. Such a function may be provided to the second user 320 through cooperation between the bank service of the bank server 340 and the instant messaging service of the instant messaging server 330.

[0057] Once the terms and conditions are agreed to and account information is entered using the relevant function, the bank server 340 may register the account information by recording the second account on the instant messaging service of the second user 320 in association with the entered account information.

[0058] In step 357, the bank server 340 may process a remittance 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 remittance by communicating with the system of the other bank. The remittance amount may be included in the remittance request in step 351, or may be input into a user interface provided by the bank server 340 to the first user 310 and transmitted to the bank server 340 after the remittance request is transmitted to the bank server 340. In this case, the bank server 340 may process the remittance so that the remittance amount is transferred from the first account to the second account.

[0059] In the embodiment of FIG. 3 , an example of a process of registering the account information of the second user 320 and processing the remittance in response to a request from the first user 310 to remit money to the second user 320 has been described. In one embodiment, the second user 320 may pre-register the account information through various channels. For example, an official account corresponding to the bank service described above may be utilized. In this case, the second user 320 may add the official account as a friend and access a function for pre-registering the 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 the 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 the 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, 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 340 through the instant messaging service.

[0060] Thus, 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 account on the instant messaging service, and the first user 310 can 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.

[0061] FIG. 4 is a diagram illustrating an example of a chat room including a remittance function according to an embodiment of the present invention. FIG. 4 shows a screen 400 of chat room A. This screen 400 may be an example of a screen displayed on the terminal of a first user 310, who is the entity attempting to remit money, in the embodiment of FIG. 3. In this case, chat room A may be provided with a remittance function 410 and a function 420 for requesting a remittance from a second user 320 participating in chat room A. In practice, functions 410 and 420 may include links to pages for remittance or request. Furthermore, chat room A may be a one-to-one chat room between a first user 310 and a second user 320.

[0062] As described above, the remittance function may be provided to users through various channels other than chat rooms. For example, the remittance function may be provided in one user interface among various pages provided through an instant messaging service, or may be provided in association with each friend in a "friends" list. The remittance function may also be provided through a banking service.

[0063] FIG. 5 is a diagram illustrating an example of a screen for inputting a remittance amount according to an embodiment of the present invention. Screen 500 of FIG. 5 is an example of a screen for inputting a remittance amount, and is provided by a banking service linked to an instant messaging service. Such screen 500 may be provided to the first user 310 through the instant messaging server 330 when the instant messaging server 330 transmits a remittance request to the bank server 340. In this case, a first dashed frame 510 of screen 500 indicates that the first user 310 may select a service for remittance when multiple services related to remittance exist as sub-services of the banking service linked to the instant messaging service related to remittance. As an example, screen 500 illustrates 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 (e.g., 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 frame 520 on the screen 500 is the real name of the second user 320 and is also the nickname of the second user 320 on the instant messaging service.

[0064] 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, 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.

[0065] The bank server 340 acquires the account and remittance amount of the first user 310 who is the entity making the remittance, while it only recognizes the second account of the second user 320 who is the entity receiving the remittance. As a result, the bank server 340 may check whether the second user 320 has an account with a bank service based on the second account, and if the second user 320 does not have an account with a bank service, it may check whether there is account information registered in association with the second account.

[0066] 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 money 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"). When the transfer process is completed, the bank server 340 may provide the first user 310 with an information screen indicating that the transfer process has been completed.

[0067] Meanwhile, 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 account with the instant messaging service, the bank server 340 may provide the second user 320 with an account information registration function through the instant messaging server 330.

[0068] FIG. 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 FIG. 8 shows an example in which message 810 for account information registration is displayed in chat room A, as described with reference to FIG. 4. In this case, screen 800 shows chat room A from the perspective of second user 320. Message 810 includes information informing second user 320 that first user 310, "Cristy Lee," is about to transfer money, as well as 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.

[0069] 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 the 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 on the bank server 340 using the function for receiving account information registration, and after consent to the terms and conditions, the account information registration function may be provided.

[0070] Figure 9 illustrates an example of an account information registration function in one embodiment of the present invention. Screen 900 of Figure 9 illustrates an example of the account information registration function provided to second user 320 by bank server 340. Screen 900 of Figure 9 allows second user 320 to select a specific bank from a list 910 of banks, and then allows second user 320 to enter the account number of the selected bank ("G bank" in screen 900) using account number entry function 920.

[0071] 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 real name, bank name, account number, etc. of the second user 320 as account information in association with the second account of the second user 320. The real name of the second user 320 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 the account information.

[0072] 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. For 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 provided with a link that allows the visiting user to modify and / or delete the account information they have registered. The user accessing the link may be identified by an account for an instant messaging service, 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 the account.

[0073] 10 is a diagram showing an example of a message notifying the second user 320 that the registration of account information has been completed, according to one embodiment of the present invention. Screen 1000 of FIG. 10 shows 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 banking services and start 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.

[0074] FIG. 11 is a flowchart illustrating an example of a remittance method of an instant messaging server according to an embodiment of the present invention. The remittance method according to this embodiment may be performed by a computer device 200 that implements the instant messaging server 330 described above. In this case, the processor 220 of the computer device 200 may be configured to execute control instructions provided by operating system code and at least one computer program code stored in the memory 210. 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 stored in the computer device 200. As described above, when a remittance request is made through a bank service, steps 1120 and 1130 may be omitted.

[0075] The computer device 200 may provide an instant messaging service in step 1110. Such step 1110 may provide a well-known function of an instant messaging service, and therefore, a detailed description thereof will be omitted.

[0076] In operation 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.

[0077] In step 1130, the computer device 200 may transmit a remittance request to the bank server. At this time, the remittance request may include the first account of the first user and the second account of the second user according to an identification scheme of the instant messaging service. In this case, the instant messaging service may be linked to a banking 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. As described above, the link between the instant messaging service and the banking service includes at least being able to identify the same user by the same identifier.

[0078] In step 1140, the computer device 200 may receive, from the bank server, a function transfer request associated with 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. 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.

[0079] 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.

[0080] 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.

[0081] Additionally, if an interactive session has not been established, the computer device 200 may, in step 1150, establish an interactive session between the first account and the second account based on the first account and the second account associated with the function transfer request.

[0082] 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 where 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 by Short Message Service (SMS) authentication using the phone 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 to at least verify that the registered account information is not registered by another user.

[0083] Meanwhile, in one embodiment, the computer device 200 may provide a link to an account information registration function through an 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 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.

[0084] FIG. 12 is a flowchart illustrating an example of a remittance method of a bank server according to an 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 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 1210 to 1270 included in the method of FIG. 12 according to the control instructions provided by the code stored in the computer device 200.

[0085] In step 1210, the computer device 200 may provide banking services. Such step 1210 may provide well-known banking services in a bank server, such as an internet-only bank, and therefore, detailed description thereof will be omitted.

[0086] In 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 the instant messaging service and the banking service may include at least being able 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.

[0087] In step 1230, the computing device 200 may determine 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.

[0088] In step 1240, if the second user does not have an account, the computer device 200 may check whether the second user's account information is registered based on the second account. The account information referred to here may include account information of other banks, not just the bank that provides banking services.

[0089] In step 1250, if the account information of the second user 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.

[0090] 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 accounts of participants in the chat room where the selected link is displayed and the first and second accounts associated with the message. In another embodiment, the account information may be authenticated by a Short Message Service (SMS) authentication call made by the instant messaging server to a phone number associated with the second account in response to selecting the link.

[0091] In step 1270, the computing device 200 may process the remittance request using the first account of the bank service associated with the first account and the account information of the second user registered therewith.

[0092] In this way, according to an embodiment of the present invention, information on an account (e.g., an account at another bank) for receiving remittances is registered by a user who is not registered with a banking 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.

[0093] The above-described systems or devices may be realized using hardware components or a combination of hardware and software components. For example, the devices and components described in the embodiments may be realized using one or more general-purpose or special-purpose computers, such as a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a 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 running 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, a single processing device may be described. However, those skilled in the art will understand that a processing device may include multiple processing elements and / or multiple types of processing elements. For example, a processing device may include multiple processors or one processor and one controller. Other processing configurations, such as parallel processors, are also possible.

[0094] Software may include computer programs, codes, instructions, or a combination of one or more of these, which 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 and stored or 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.

[0095] 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 store a computer-executable program or temporarily store 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 store program instructions. Other examples of media include recording media or storage media managed by application stores that distribute applications, or other sites or servers that provide or distribute various software. 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 or the like.

[0096] Although 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 from the above description. For example, the described techniques may be performed in an order different from that described, and / or the described system, structure, device, circuit, or other element may be coupled or combined in a manner different from that described, or may be substituted or replaced by other elements or equivalents, and still achieve suitable results.

[0097] Therefore, different embodiments that are equivalent to the claims are within the scope of the appended claims. [Explanation of symbols]

[0098] 310:1st user 320: 2nd user 330: Instant messaging server 340: Bank server

Claims

1. 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 request for transferring a function 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; 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. Including, 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.

2. the message is associated with the first account and the second account; The remittance method is and verifying, 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 a second account of the second user and by comparing the accounts of participants in the chat room in which the selected link appears with the first account and the second account associated with the message. The method of claim 1 further comprising:

3. The remittance method is and if the link is selected, authenticating, by the at least one processor, that the user selecting the link is the second user through SMS authentication using a phone number associated with a second account of the second user. The method of claim 1 further comprising:

4. The remittance method is receiving, by the at least one processor, a request to transfer money from the first user to the second user from a 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. further comprising 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.

5. 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.

6. 2. The remittance method according to 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.

7. The remittance method is 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 method of claim 1 further comprising:

8. The remittance method is 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; The method of claim 1 further comprising:

9. 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; registering, by the at least one processor, account information of the second user using the account information registration function; and and processing the remittance request by the at least one processor using a first account of the bank service associated with the first account and account information of the registered second user. including, payment methods.

10. The method of claim 9, wherein the account information includes account information of a bank other than the bank that provides the banking services.

11. The remittance method according to claim 9, wherein the remittance request includes the first account and the second account.

12. 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.

13. the message is associated with the first account and the second account; 13. The method of claim 12, wherein 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 participants in a chat room in which the selected link is displayed with the first account and the second account associated with the message.

14. 13. The method of claim 12, wherein the account information is authenticated by an SMS authentication call made by the instant messaging server to a phone number associated with the second account in response to the link being selected.

15. 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.

16. A computer-readable recording medium having recorded thereon a computer program for causing a computer device to execute the method according to any one of claims 1 to 12.

17. At least one processor implemented to execute computer-readable instructions Including, 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:

18. At least one processor implemented to execute computer-readable instructions Including, by the at least one processor Providing banking services, receiving a request for a remittance 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, it is confirmed 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; 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. A computer device comprising:

Images