KR101764950B1 - Method of providing money withdraw service and apparatus performing the same - Google Patents

Abstract

The method for providing a funds withdrawal service, which is executed in a fund withdrawal service providing apparatus connected to a user terminal according to the present invention, includes the steps of: receiving a request message for a funds withdrawal service from the user terminal; Receiving a fund information to be paid to the specific fund recipient when a specific fund recipient is selected from the previously registered fund recipient list, and receiving a fund receipt informing message capable of receiving an amount corresponding to the fund information, To the terminal of the specific fund recipient. Accordingly, the present invention can provide a money receipt informing the recipient of the money receipt that the money recipient can receive the money using the money receipt prompt message in the place where the money can be received even in the area where the bank is not available .

Description

[0001] METHOD OF PROVIDING MONEY WITHDRAW SERVICE AND APPARATUS PERFORMING THE SAME [0002]

Embodiments of the present invention relate to a method for providing a withdrawal service and an apparatus for executing the same.

The introduction of ATM (Automatic Teller Machine) has brought about innovative development in many respects for the traditional financial transactions which were carried out in direct contact with the manager through the counter at the financial institution.

The waiting time for customers has been significantly reduced, and even after the financial institution's work has ended, customers can benefit from financial transactions whenever they want. Financial service processing time has been reduced not only for customers but also for financial institutions, and it has become possible to improve work efficiency by reducing manpower and costs.

Financial automation equipment basically provides many financial services performed by financial institutions such as banks and village safes. The user can execute the desired financial transaction in a short time by simply manipulating the financial automation device installed in the bank without going through the bank account in the account transfer, balance inquiry, deposit withdrawal, and bank account settlement. With these advantages of the financial automation equipment, the number of customers, installation number and installation place of the financial automation equipment is rapidly increased, and nowadays, it is possible to find the financial automation equipment easily anywhere.

On the other hand, in the modern society, mobile communication terminals are widely used as a necessity for modern people as a means of conveniently communicating without being arbitrarily located in a place. Modern people install mobile banking in mobile communication terminals to handle banking transactions such as account transfer, balance inquiry and deposit withdrawal.

Mobile banking, however, is limited in its use because of the complexity of its procedures and high rates of wireless Internet usage. In addition, in order to use mobile banking, a user has to purchase a separate memory chip through a predetermined registration procedure and install the memory chip in the mobile communication terminal.

The present invention provides a fund receipt guiding message that allows the recipient to receive a small amount of money, thereby allowing the recipient to receive the funds using the receipt of the funds receipt at a place where the money can be received even in an area without a bank A method of providing a fund withdrawal service and an apparatus for executing the same.

In addition, the present invention provides a money receipt notification message that allows a small amount of money to be exchanged into a currency unit corresponding to the position of the recipient of the money and to receive the exchanged amount of money, so that the recipient can receive the money A method of providing a fund withdrawal service and a device for executing the same.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

The method of providing a funds withdrawal service to be executed in a fund withdrawal service providing apparatus connected to a user terminal includes receiving a request message for a fund withdrawal service from the terminal of the user, Receiving a fund information to be paid to the specific fund recipient when a specific fund recipient is selected from the previously registered fund recipient list, and receiving a fund receipt informing message capable of receiving an amount corresponding to the fund information To the terminal of the specific fund recipient.

Among the embodiments, the apparatus for providing a money withdrawal service connected to a user terminal may include a database for storing information on the fund receivers previously registered by the user, and a database for receiving the funds withdrawal service from the user terminal, And a list of funds received from the list of funds received from the list of selected recipients by receiving the information on the funds to be paid to the recipient of the specific funds and receiving the funds corresponding to the funds, And a money withdrawal service providing unit for providing a message.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to the present invention, by providing a money receipt guiding message to receive a small amount of money to a recipient of a money, the recipient can receive the money using the money receipt prompt message at a place where the money can be received even in a region where the bank is not available .

Further, according to the present invention, by providing a money receipt informing message that the small amount of money can be exchanged into the currency unit corresponding to the position of the money receiver and the exchangeable amount can be received, the money receiver can receive the money There is an effect that it can be received.

FIG. 1 is a network diagram illustrating a system for providing a money withdrawal service according to an embodiment of the present invention. Referring to FIG.
2 is a block diagram illustrating an apparatus for providing a funds withdrawal service according to an embodiment of the present invention.
3 is a flowchart illustrating a method of providing a money withdrawal service according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a network diagram illustrating a system for providing a money withdrawal service according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a fund withdrawal service providing system includes a fund withdrawal service providing apparatus 100 and a user terminal 200.

The apparatus 100 for providing a money withdrawal service is a device for providing a money receipt guiding message to the terminal of the recipient which can receive money corresponding to the money information when the money receiver and the money information are selected by the user. This money withdrawal service providing apparatus 100 will be described below with reference to FIG. 2

The user terminal 200 is a terminal possessed by a user who provides a request message for a funds withdrawal service to the fund withdrawal service providing apparatus 100. The user terminal 200 includes a mobile terminal, a smart phone, a notebook, and a PDA (Personal Digital Assistant) And the like.

The terminal 200 of the user provides a request message for the funds withdrawal service to the fund withdrawal service providing apparatus 100 to receive a message that the specific fund recipient can receive the money corresponding to the fund information, (Eg ATMs, convenience stores, etc.) where funds can be collected.

To this end, the user terminal 200 maintains connection or communication with the fund withdrawal service providing apparatus 100.

In one embodiment, the terminal 200 of the user may load at least a part of the banking engine for accessing the withdrawal service provision apparatus 100. For example, at least some of the predefined operations required for registering a payee may be performed at the user terminal 100 for quick processing. In this embodiment, the terminal 100 of the user can provide the calculated result of the banking engine provided to the terminal 100 to the fund withdrawal service providing apparatus 100.

2 is a block diagram illustrating an apparatus for providing a funds withdrawal service according to an embodiment of the present invention.

2, the apparatus 100 for providing a funds withdrawal service includes a communication unit 110, a database 120, a money withdrawal service providing unit 130, an account management unit 140, and a control unit 150.

The communication unit 110 may set or maintain a communication environment for data communication with the user terminal 120. [

The database 120 stores information on the fund receivers registered by the user.

In one embodiment, the database 120 includes information about the recipient of the fund, which includes at least one of a cell phone number for the fund recipient and a password used for authentication of the fund recipient upon receipt of the funds, per user (e.g., per user ID) Lt; / RTI >

When the fund withdrawal service providing unit 130 receives the request message for the fund withdrawal service from the user terminal 200 through the communication unit 110, the fund withdrawal service providing unit 130 extracts the fund receivers associated with the user from the database 120, And provides the list of the fund recipients to the terminal 200 of the user through the communication unit 110.

When the fund withdrawal service providing unit 130 receives the specific fund recipient and the fund information from the terminal 200 of the user through the communication unit 110, the fund withdrawal service providing unit 130 receives the funds receipt information And provides the message to the terminal of the specific fund recipient.

In one embodiment, the fund withdrawal service provider 130 may generate and provide a funds receipt prompt message that includes an authorization code used to authenticate the fund recipient. Here, the authentication code is used to authenticate the fund recipient by judging whether or not the previously registered password matches the password received from the fund recipient. The authentication code may include at least one of a bar code, a quick response (QR) code, and an image code.

In one embodiment, the fund withdrawal service provider 130 may generate and provide a fund receipt guiding message including information on a fund receivable place within a certain radius based on the location of the fund recipient. Here, the information on the place where the fund can be received includes information on the distance from the position of the fund recipient to the place where the fund can be received, information on how to reach the place where the fund can be received, map information indicating the place where the fund can be received, And / or information.

In one embodiment, the fund withdrawal service provider 130 converts the money corresponding to the fund information into a currency unit corresponding to the position of the fund recipient, and transmits a money receipt informing message to the money receiver And can provide it to the terminal. For example, the fund withdrawal service providing unit 130 may exchange money corresponding to the fund information when the fund receiver is in the US, and provide a fund receipt guiding message to receive the exchanged amount.

In this embodiment, the fund withdrawal service providing unit 130 can exchange money corresponding to the fund information based on the exchange rate at the time of receiving the request message for the funds withdrawal service, into the denomination of the area.

In one embodiment, when the fund withdrawal service providing unit 130 receives the fee payment method for using the fund withdrawal service from the user, the fund withdrawal service providing unit 130 extracts the amount corresponding to the fund information or the amount corresponding to the fund information You can provide a message of receipt of money to receive any one of the amounts except the commission.

The account management unit 140 can open and manage an account associated with the user. Here, the type of the account may include at least one of a free deposit and withdrawal, a deposit, a trust, and a deposit. The account management unit 140 may additionally receive the additional information of the account from the terminal 120 of the user through the communication unit 110 and apply the additional information to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, it may include financial instrument attribute information associated with the account.

The account management unit 140 may store the account opening history after the opening of the account associated with the user is completed. The account opening history may include information about a user associated with the account. The information about the user may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, an initial transaction date and a final transaction date.

The account management unit 140 can deduct the corresponding amount from the account associated with the user when the money receiver receives the money corresponding to the money information by using the money receiving guidance message.

In one embodiment, the account management unit 140 may deduct the corresponding amount from the account associated with the user at the same time that the money recipient receives the money corresponding to the money information using the money receipt guide message.

In another embodiment, the account management unit 140 sends a money receipt informing message to the fund recipient and at the same time fetches the money from the account associated with the user and deposits the money in the escrow account, and when the money corresponding to the fund information is received, You can deduct that amount from your account.

According to this embodiment, if the money receipt provider does not receive the amount corresponding to the fund information using the money receipt guiding message within the predetermined period, the account management section 140 withdraws the money deposited in the escrow account and transfers the money to the account Deposit.

The account management unit 140 receives the money corresponding to the fund information using the money receipt informing message and subtracts the fee according to the method of paying the fee when the money is subtracted.

In one embodiment, the account management unit 140 may not deduct a particular fee from the account associated with the user if the fee payment method is prepayment.

In another embodiment, the account management unit 140 may deduct a particular fee from the account associated with the user if the fee payment method is post-pay.

The control unit 150 may control the other components of the money withdrawal service providing apparatus 100 to provide a withdrawal service procedure.

3 is a flowchart illustrating a method of providing a money withdrawal service according to an embodiment of the present invention.

Referring to FIG. 3, the apparatus 100 for providing a funds withdrawal service receives a request message for a funds withdrawal service from a user terminal (step S310). The fund withdrawal service providing apparatus 100 provides the terminal of the user with the list of the fund receivers registered by the user (step S320). When the specific fund recipient is selected from the list of registered funds by the user, the apparatus 100 for providing the funds withdrawal service receives the information of the specific fund recipient and the fund information (step S330). The apparatus 100 for providing a funds withdrawal service provides a fund receipt guidance message to the terminal of the specific fund receiver (step S340).

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: a device for providing funds withdrawal service
110:
120: Database
130: Fund withdrawal service offering
140:
150:
200: User terminal

Claims (24)

A method of providing a funds withdrawal service executed in a fund withdrawal service providing apparatus connected to a user terminal,
When receiving a request message for a funds withdrawal service from the terminal of the user, when receiving a fund from the user, the fund receiver provides a list of funds recipients including a password used for authentication of the fund recipient to the terminal of the user step;
Receiving, from the terminal of the user, the fund information to be paid to the specific fund recipient when a specific fund recipient is selected from the provided fund recipient list; And
And providing a terminal to the terminal of the specific fund recipient, the terminal receiving a guidance message for receiving a money corresponding to the fund information,
The step of providing the funds receipt informing message to the terminal of the specific fund recipient
Receiving a fee payment method for use of the funds withdrawal service from the user; And
Providing the terminal of the specific fund recipient with a money receipt guiding message capable of receiving any one of the money amount or the money amount excluding the specific commission fee according to the fee payment method,
The fund receipt guiding message including an authentication code used for authenticating the specific fund recipient,
Wherein the authentication code includes a function of authenticating the specific fund recipient by determining whether the password used for the authentication of the fund recipient matches the password received from the specific fund recipient,
The money receipt guiding message includes information on a money receivable place within a certain radius based on the position of the specific money recipient,
The information on the place where the fund can be received includes information on the distance from the position of the specific fund recipient to the place where the fund can be received and information on how to reach the place where the fund can be received
How to provide a withdrawal service.
delete The method according to claim 1,
The authentication code
A barcode, a Quick Response (QR) code, and an image code.
How to provide a withdrawal service.
delete The method according to claim 1,
Information on the place where the fund can be received
Further comprising at least one of map information indicating the place where the fund can be received, contact information of the place where the fund can be received, and business hours information
How to provide a withdrawal service.
The method according to claim 1,
The step of providing the funds receipt informing message to the terminal of the specific fund recipient
And a step of exchanging an amount corresponding to the money information into a currency unit corresponding to the position of the specific fund recipient and providing a money receipt informing message to the terminal of the specific money receiver capable of receiving the exchanged money Characterized by
How to provide a withdrawal service.
The method according to claim 6,
The step of providing a money receipt guiding message to the terminal of the specific fund recipient capable of receiving the exchanged amount
And converting the money corresponding to the money information into a currency unit at the location based on the exchange rate at the time of receiving the request message for the money withdrawal service
How to provide a withdrawal service.
delete The method according to claim 1,
Further comprising the step of subtracting the amount from the account associated with the user upon completion of receipt of the amount corresponding to the fund information by the specific fund recipient
How to provide a withdrawal service.
The method according to claim 1,
Providing the funds receipt informing message to the terminal of the specific fund recipient and withdrawing the money from the account associated with the user and depositing the money in the escrow account; And
And subtracting the amount from the escrow account at the same time that receipt of the amount corresponding to the fund information is completed by the specific fund recipient
How to provide a withdrawal service.
11. The method of claim 10,
Withdrawing the money from the escrow account and depositing the money in the account associated with the user if the receipt of the money corresponding to the fund information is not completed within a predetermined period by the specific fund recipient
How to provide a withdrawal service.
11. The method according to claim 9 or 10,
The step of subtracting the amount
Not deducting a specific fee from an account associated with the user if the fee payment method is prepaid; And
And subtracting the specific fee from the account associated with the user if the fee payment method is postpaid
How to provide a withdrawal service.
A money withdrawal service providing apparatus connected to a user terminal,
A database for storing information on a fund recipient, which is registered by a user and includes a password used for authentication of the fund recipient when the fund recipient receives funds from the user; And
Receiving a request message for a funds withdrawal service from the terminal of the user, reading a fund recipient from the database and providing a list of fund recipients to the terminal of the user, and when a specific fund recipient is selected from the provided fund recipient list, And a fund withdrawal service providing unit for receiving funds information to be paid to a fund recipient from the terminal of the user and providing a fund receipt informing message to the terminal of the specific fund recipient that can receive an amount corresponding to the fund information,
The fund withdrawal service providing unit
Receiving a money receipt informing message capable of receiving any one of the money or the amount of money other than the specific commission in accordance with the fee payment method when receiving the fee payment method for use of the money withdrawal service from the user, To the terminal of the fund recipient,
The fund receipt guiding message including an authentication code used for authenticating the specific fund recipient,
Wherein the authentication code includes a function of authenticating the specific fund recipient by determining whether the password used for the authentication of the fund recipient matches the password received from the specific fund recipient,
The money receipt guiding message includes information on a money receivable place within a certain radius based on the position of the specific money recipient,
The information on the place where the fund can be received includes information on the distance from the position of the specific fund recipient to the place where the fund can be received and information on how to reach the place where the fund can be received
A device for providing funds withdrawal service.
delete 14. The method of claim 13,
The authentication code
A barcode, a Quick Response (QR) code, and an image code.
A device for providing funds withdrawal service.
delete 14. The method of claim 13,
Information on the place where the fund can be received
And at least one of map information indicating a place where the fund can be received, contact information of the place where the fund can be received, and business hours information.
A device for providing funds withdrawal service.
14. The method of claim 13,
The fund withdrawal service providing unit
The money amount corresponding to the money information is converted into a currency unit corresponding to the position of the specific money receiver and a money receipt informing message capable of receiving the exchanged money is provided to the terminal of the specific money receiver
A device for providing funds withdrawal service.
19. The method of claim 18,
The fund withdrawal service providing unit
The money amount corresponding to the money information is converted into a currency unit of the corresponding region based on the exchange rate at the time of receiving the request message for the money withdrawal service
A device for providing funds withdrawal service.
delete 14. The method of claim 13,
Further comprising an account management unit for subtracting the amount from the account associated with the user after receipt of the money corresponding to the fund information by the specific fund recipient
A device for providing funds withdrawal service.
22. The method of claim 21,
The account management unit
The money receipt informing message is provided to the terminal of the specific fund recipient and the money is withdrawn from the account associated with the user and deposited in the escrow account, and the receipt of the money corresponding to the fund information is completed by the specific fund recipient And subtracting the amount from the escrow account at the same time
A device for providing funds withdrawal service.
23. The method of claim 22,
The account management unit
And if the receipt of the money corresponding to the fund information is not completed within a predetermined period by the specific fund recipient, the money is withdrawn from the escrow account and is deposited into the account associated with the user
A device for providing funds withdrawal service.
22. The method of claim 21,
The account management unit
If the fee payment method is prepaid, does not deduct a specific fee from the account associated with the user, and if the fee payment method is postpaid, subtracts the specific fee from the account associated with the user
A device for providing funds withdrawal service.

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