System and method for financial transactions
First Claim
1. A system for financial transactions which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising:
- a database for storing information of the mobile terminal subscriber who intends to use the financial transaction;
a subscriber service interface for providing a service menu to the subscriber through a communication network, and outputting a corresponding message when the subscriber selects an item of the menu; and
a service control unit for processing the financial transaction of the mobile account according to the message from the subscriber service interface, and transmitting a result message to the service interface.
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Accused Products
Abstract
The present invention discloses a system and method for financial transactions. The system for financial transactions includes: a database for storing information of a mobile terminal subscriber; a subscriber service interface for interfacing a service for the subscriber through a communication network; and a service control unit for processing the financial transactions according to the message from the subscriber service interface, and transmitting a result message to the interface. In accordance with the present invention, the B to P or the P to P commerce employs various settlement methods through a portable terminal. Moreover, a virtual account is issued to the mobile terminal subscriber, and money is freely transferred between the virtual account and a real bank account. The financial transactions are executed through the portable terminal, thereby improving security and easily settling an account.
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Citations
48 Claims
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1. A system for financial transactions which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising:
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a database for storing information of the mobile terminal subscriber who intends to use the financial transaction;
a subscriber service interface for providing a service menu to the subscriber through a communication network, and outputting a corresponding message when the subscriber selects an item of the menu; and
a service control unit for processing the financial transaction of the mobile account according to the message from the subscriber service interface, and transmitting a result message to the service interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a charging request message from the subscriber who intends to deposit a predetermined amount of money to the mobile account;
extracting bank account information of the subscriber who requests charging;
demanding depositing to an intermediate account; and
depositing money to the mobile account of the subscriber requesting the charging, when money is deposited to the intermediate account. - View Dependent Claims (14)
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15. A method for financial transactions which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a realization request message from the subscriber who intends to transfer a predetermined amount of money from the mobile account to a bank account;
confirming whether realization request money exists in the mobile account of the subscriber;
transferring realization request money from an intermediate account to the bank account of the subscriber, when realization request money exists in the mobile account of the subscriber; and
withdrawing realization request money from the mobile account of the subscriber, and depositing it to the intermediate account, when realization request money is transferred to the bank account of the subscriber. - View Dependent Claims (16)
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17. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a remittance request message from the subscriber who intends to remit a predetermined amount of money from the mobile account to a mobile account of another subscriber;
confirming whether remittance request money exists in the mobile account of the subscriber requesting remittance; and
withdrawing remittance request money from the mobile account of the subscriber requesting the remittance, and depositing it to the mobile account of the subscriber receiving money, when remittance request money exists in the mobile account of the subscriber. - View Dependent Claims (18, 19)
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20. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a billing settlement message from the subscriber who intends to settle an account according to billing contents corresponding to an issued billing code;
extracting the billing contents on the basis of the billing code discriminated from the billing settlement message;
confirming the balance of the mobile account of the subscriber who intends to settle the account according to the billing contents; and
withdrawing billing money from the mobile account of the subscriber who intends to settle the account, and depositing it to the mobile account of the subscriber requesting the settlement, when billing money exists in the mobile account of the subscriber. - View Dependent Claims (21, 22, 23, 24)
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25. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a member store settlement request message from a member store which intends to request settlement;
confirming an authentication code included in the member store settlement request message of the subscriber who intends to settle an account;
confirming whether settlement money exists in the mobile account of the subscriber who intends to settle the account, when the authentication code is valid; and
withdrawing settlement money from the mobile account of the subscriber who intends to settle the account, and depositing settlement money to a settlement account of the member store, when settlement money exists in the mobile account of the subscriber. - View Dependent Claims (26, 27, 28, 29, 30)
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31. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a member store direct payment settlement request message from a member store which intends to request settlement;
confirming authentication information included in the member store direct payment settlement request message of the subscriber who intends to settle an account;
confirming whether settlement money exists in the mobile account of the subscriber who intends to settle the account, when the authentication information is valid, and withdrawing settlement money from the mobile account of the subscriber who intends to settle the account, and depositing settlement money to the mobile account of the member store subscriber, when settlement money exists in the mobile account of the subscriber. - View Dependent Claims (32, 33, 34, 35)
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36. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating an escrow settlement request message from the subscriber who intends to settle an account according to escrow contents corresponding to an escrow code issued between the subscribers who intend to perform conditional transaction;
extracting the escrow contents on the basis of the escrow code included in the escrow settlement request message;
confirming whether settlement money exists in the mobile account of the subscriber who intends to settle the account according to the escrow contents; and
withdrawing settlement money, and depositing settlement money to an escrow account, when settlement money exists in the mobile account of the subscriber. - View Dependent Claims (37, 38, 39, 40, 41)
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42. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a subscription settlement request message from the subscriber who intends to purchase subscriptions according to subscription collection contents corresponding to a subscription collection code issued to the subscriber who intends to collect subscriptions;
extracting the subscription collection contents on the basis of the subscription collection code included in the subscription settlement request message;
confirming whether subscription money exists in the mobile account of the subscriber who intends to subscribe money according to the subscription collection contents; and
withdrawing subscription money, and depositing subscription money to the mobile account of the subscriber who collects subscriptions, when subscription money exists in the mobile account of the subscriber. - View Dependent Claims (43, 44, 45)
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46. A method for financial transactions which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a remittance request message from the subscriber who intends to remit a predetermined amount of money from the mobile account of the subscriber to a bank account of another subscriber;
confirming whether remittance request money exists in the mobile account of the subscriber requesting remittance;
withdrawing remittance request money from the mobile account of the subscriber requesting the remittance, and depositing remittance request money to an intermediate account, when remittance request money exists in the mobile account of the subscriber; and
transferring remittance money from the intermediate account opened in a bank of the subscriber receiving money to the bank account of the subscriber. - View Dependent Claims (47)
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48. A method for financial transaction which issues virtual mobile accounts to mobile terminal subscribers to use the financial transaction through the mobile accounts, comprising the steps of:
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discriminating a remittance request message from the subscriber who intends to remit a predetermined amount of money from a bank account of the subscriber to a bank account of another subscriber;
requesting deposit from the bank account of the subscriber who intends to remit money to an intermediate account opened in a bank of the subscriber; and
requesting deposit from an intermediate account opened in a bank of the subscriber who intends to receive money to the bank account of the subscriber, when remittance money is deposited to the intermediate account.
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Specification