ONLINE MONEY TRANSFER SERVICE IN CONNECTION WITH INSTANT MESSENGER

• US 20140207679A1
• Filed: 01/22/2014
• Published: 07/24/2014
• Est. Priority Date: 01/23/2013
• Status: Abandoned Application

• Current Assignee: KT Corporation
• Original Assignee: KT Corporation
• Inventors: CHO, Young-Bin
• Application Number:
  US14/160,787
• Publication Number:
  US 20140207679A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: H04L 51/046 Interoperability with other network applications or services

Abstract

The disclosure is related to performing online money transfer operation in connection with an instant messenger installed in and executed by user equipment. First user equipment may monitor messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation. The first user equipment may obtain information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result. The first user equipment requests a service server to perform the online money transfer operation based on the obtained information.

Claims

1. A method of performing online money transfer operation in connection with an instant messenger at first user equipment, the method comprising:

monitoring messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation;

obtaining information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result; and

requesting a service server to perform the online money transfer operation based on the obtained information.

2. The method of claim 1, wherein the monitoring messages includes:

initiating the online money transfer operation upon initiation of the instant messenger;

determining whether any word in the messages is matched with a predetermined service initiation word; and

invoking an online money transfer event when at least one word in the messages is matched with the predetermined service initiation word.

3. The method of claim 1, wherein the predetermined service initiation word is set by at least one of associated user, a service provider, and a system designer and is made of any combination of alphabets, numbers, characters, and symbols.

4. The method of claim 1, wherein the obtaining information on an online money transfer event includes:

analyzing messages exchanged between the first user equipment and the second user equipment before the predetermined service initiation word and related to the online money transfer event; and

detecting the information on the online money transfer event based on the analysis result.

5. The method of claim 1, wherein the information on the online money transfer event includes at least one of a sender, a recipient, a transfer amount, a transfer date, a transfer time, a transfer method, and a telephone number.

6. The method of claim 1, wherein the requesting a service server includes:

generating an online money transfer request to include the obtained information on the online money transfer event; and

transmitting the generated online money transfer request to the service server.

7. The method of claim 1, comprising:

receiving a confirmation message from the service server in response to the requesting; and

displaying the confirmation message within a graphic user interface of the instant messenger and inquiring an associated user to select one of confirmation approval and for confirmation denial.

8. The method of claim 7, wherein the displayed confirmation message includes at least one of a sender, a recipient, a transfer amount, a transfer date, a transfer time, a transfer method, and a telephone number, which are determined by the service server based on the information included in the online money transfer request.

9. The method of claim 1, comprising:

transmitting at least one of a confirmation approval message and a confirmation denial message to the service server based on the user selection; and

receiving an online money transfer result from the service server.

10. The method of claim 1, comprising:

storing the received online money transfer result, the detected service initiation word, and the messages related to the invoked online money transfer event in a universal subscriber identity module (USIM) of the first user equipment.

11. A method of online money transfer operation at a service server, the method comprising:

receiving an online money transfer request from first user equipment in order to transfer money from the first user equipment to second user equipment;

obtaining information on an online money transfer event from the received online money transfer request; and

performing an online money transfer operation based on the obtained information.

12. The method of claim 11, wherein the online money transfer request is generated by the first user equipment when the first user equipment detects a predetermined service initiation word included in messages transmitted to and received from others through an instant messenger.

13. The method of claim 11, wherein the obtaining information includes:

extracting the information on the online money transfer event from the received online money transfer request; and

determining a sender, a recipient, a transfer amount, a transfer date, and a transfer time based on the extracted information.

14. The method of claim 11, comprising:

generating a confirmation message to include the obtained information on the online money transfer event; and

transmitting the generated confirmation message to the first user equipment and the second user equipment in order to confirm the obtained information with the first user equipment and the second user equipment.

15. The method of claim 14, wherein the generating a confirmation message includes:

determining a sender, a recipient, a transfer amount, a transfer date, and a transfer time based on the obtained information on the online money transfer event;

generating the confirmation message to include information on the determined sender, the determined recipient, the determined transfer amount, the determined transfer date, and the determined transfer time; and

transmitting the generated confirmation message to the first user equipment and second user equipment in order to confirm at least one of the determined sender, the determined recipient, the determined transfer amount, the determined transfer date, and the determined transfer time.

16. The method of claim 11, wherein the performing an online money transfer operation includes:

requesting communication service servers of the first user equipment and the second user equipment to perform a money transfer operation between service accounts associated with the first user equipment and the second user equipment based on the obtained information when a confirmation approval message is received from both of the first user equipment and the second user equipment.

18. The method of claim 11, comprising:

generating an online money transfer result message to include information on a result of perform the online money transfer operation; and

transmitting the generated result message to the first user equipment and the second user equipment.

17. The method of clam 16, wherein after performing the money transfer operation, the communication service servers of the first user equipment and the second user equipment perform one of:

generating an invoice based on the transferred amount of money and sending out the generated invoice to the first user equipment and the second user equipment; and

electrically withdrawing the transferred amount of money from or depositing the transferred amount of money to bank accounts associated with the first user equipment and the second user equipment.

19. User equipment for performing an online money transfer operation in connection with an instant messenger, the user equipment configured to:

monitor messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation;

obtain information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result; and

request a service server to perform the online money transfer operation based on the obtained information.

20. The user equipment of claim 19, wherein the user equipment is configured to:

receive a confirmation message from the service server in response to the request;

display the confirmation message within a graphic user interface of the instant messenger and inquire an associated user to select one of confirmation approval and for confirmation denial;

transmit at least one of a confirmation approval message and a confirmation denial message to the service server based on the user selection; and

receive an online money transfer result from the service server.