KR102384574B1 - Method and system for sending account information - Google Patents

Abstract

The account information transmission method includes the steps of receiving an attachment button of a text message input window from a sender terminal, receiving a selection of one of account information registered in advance in the sender terminal as an attachment, the selected account information from the sender terminal to the receiver terminal Transmitting as a text to which the template is applied, displaying the text to which the template is applied on a message display window in the receiver terminal, displaying account details when the text to which the template is applied is selected in the receiver terminal, and in the receiver terminal and executing a banking application associated with the account detailed information.

Description

Account information transmission method and system

The present invention relates to a method and system for transmitting account information.

Mobile banking refers to financial services using mobile phones. Users can use banking services such as deposit and loan inquiry and account transfer anytime, anywhere using a mobile terminal, and can check transaction details through text messages.

In relation to such a mobile banking service, Korean Patent Registration No. 10-0653638, which is a prior art, discloses a mobile banking service system and a method therefor.

Account number entry is essential for financial transactions. In general, during financial transactions between individuals, account numbers are exchanged through messages, and the transferor memorizes or memorizes the account number and enters it into the mobile banking application, so there are many inconveniences. In addition, since there is a possibility that the transferee memorizes or memorizes the account number incorrectly, there is a need for a method for inputting an accurate account number into a mobile banking application.

An object of the present invention is to provide an account information transmission method and system capable of receiving account information through a message and immediately running a mobile banking application linked with account information included in the message. Another object of the present invention is to provide a method and system for transmitting account information so that, when a user selects a message including account information, the account number included in the message is automatically entered into a mobile banking application. Another object of the present invention is to provide an account information transmission method and system that provides convenience so that users can transfer accounts quickly and accurately without individually inputting account numbers into the mobile banking application. However, the technical problems to be achieved by the present embodiment are not limited to the technical problems described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention includes the steps of receiving an attachment button of a text message input window from a sender terminal, receiving one of the account information registered in advance in the sender terminal selected as an attachment Step, transmitting the selected account information from the sender terminal to the receiver terminal as a text to which the template is applied, displaying the text to which the template is applied in the receiver terminal on a message display window, the text to which the template is applied from the receiver terminal When selected, it is possible to provide an account information transmission method comprising the steps of displaying account detailed information and executing a banking application associated with the account detailed information in the receiver terminal.

In addition, another embodiment of the present invention is a sender terminal that receives an attachment button of a text message input window, selects one of previously registered account information as an attachment, and transmits the selected account information as a text to which a template is applied, and the Provide an account information transmission system comprising a recipient terminal configured to display a text to which a template is applied on a message display window, to display detailed account information when the text to which the template is applied is selected, and to execute a banking application associated with the detailed account information can do.

The above-described problem solving means are merely exemplary, and should not be construed as limiting the present invention. In addition to the exemplary embodiments described above, there may be additional embodiments described in the drawings and detailed description.

According to any one of the above-described problem solving means of the present invention, it is possible to provide an account information transmission method and system capable of receiving account information through a message and directly executing a mobile banking application linked with account information included in the message. can In addition, when a user selects a message including account information, it is possible to provide a method and system for transmitting account information so that the account number included in the message is automatically entered into the mobile banking application. In addition, it is possible to provide an account information transmission method and system that provides convenience so that a user can transfer an account quickly and accurately without individually inputting an account number into the mobile banking application.

1 is a block diagram of an account information transmission system according to an embodiment of the present invention.
2A to 2C are diagrams for explaining a process of selecting account information in a caller terminal according to an embodiment of the present invention.
3A to 3C are diagrams for explaining a process of additionally registering account detailed information according to an embodiment of the present invention.
4 is a diagram illustrating account details according to an embodiment of the present invention.
5A to 5B are diagrams illustrating characters to which a template is applied according to an embodiment of the present invention.
6A and 6C are diagrams for explaining a process of executing a banking application associated with detailed account information in a receiver terminal according to an embodiment of the present invention.
7A to 7B are diagrams for explaining a process of setting interworking with a banking application in a receiver terminal according to an embodiment of the present invention.
8 is a flowchart illustrating a method for transmitting account information according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part is "connected" with another part, this includes not only the case of being "directly connected" but also the case of being "electrically connected" with another element interposed therebetween. . In addition, when a part "includes" a certain component, it means that other components may be further included, rather than excluding other components, unless otherwise stated, and one or more other features However, it is to be understood that the existence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded in advance.

In this specification, a "part" includes a unit realized by hardware, a unit realized by software, and a unit realized using both. In addition, one unit may be implemented using two or more hardware, and two or more units may be implemented by one hardware.

Some of the operations or functions described as being performed by the terminal or device in this specification may be instead performed by a server connected to the terminal or device. Similarly, some of the operations or functions described as being performed by the server may also be performed in a terminal or device connected to the server.

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

1 is a block diagram of an account information transmission system according to an embodiment of the present invention. Referring to FIG. 1 , the account information transmission system 1 may include a sender terminal 110 , a receiver terminal 120 , and a server 130 . The sender terminal 110, the receiver terminal 120, and the server 130 shown in FIG. 1 exemplarily illustrate components that can be controlled by the account information transmission system 1 .

Each component of the account information transmission system 1 of FIG. 1 is generally connected through a network. For example, as shown in FIG. 1 , the sender terminal 110 and the receiver terminal 120 may be connected to the server 130 through a network.

The network refers to a connection structure in which information exchange is possible between each node, such as terminals and servers, and an example of such a network is Wi-Fi, Bluetooth, Internet, and Local Area (LAN). Network), Wireless Local Area Network (LAN), Wide Area Network (WAN), Personal Area Network (PAN), 3G, 4G, LTE, etc. are included, but are not limited thereto.

The sender terminal 110 may receive an attachment button of the text message input window through the user interface.

The sender terminal 110 may receive one of the previously registered account information selected as an attachment through the user interface. The attached file may include, for example, a photo, a video, contact information, account information, and the like. After receiving a selection for account information from the user, the sender terminal 110 may receive a selection of any one of a plurality of pre-registered account information as an attached file.

When the account information required by the user does not exist in the previously registered account information, the user may additionally register the account information. For example, the sender terminal 110 may receive an account detail item after receiving an account addition button from the user interface. The sender terminal 110 may additionally register account details based on the input account details. The account details may include, for example, a bank name, account number, account holder, title and description. For example, the sender terminal 110, through the user interface, the bank name is 'ㅁ ㅁ Bank', the account number is 'XXX-XX-XXXXX-X', the account holder is 'Hong Gil-dong', the title is 'Passbook for check card', An 'account to inform friends' of the memo may be input, and account information may be additionally registered based on the input account detailed information.

When one of the pre-registered account information is selected as an attachment, the sender terminal 110 may display the selected account information as text in the message input window. In this case, account information displayed in text may be treated as a single entity, so that only the entire deletion is possible, and individual modification may not be possible.

The sender terminal 110 may transmit the selected account information to the receiver terminal 120 as a text to which the template is applied.

The receiver terminal 120 may display the text to which the template received from the sender terminal 110 is applied on the message display window. The text to which the template is applied may be displayed in the form of a speech bubble on the message display window. For example, the title of the text to which the template is applied may be displayed in the first area of the speech bubble, and the body of the text may be displayed in the second area of the speech balloon.

The receiver terminal 120 may display detailed account information when a character to which a template is applied is selected through the user interface. The detailed account information is transmitted from the sender terminal 110, and may include, for example, a bank name, account number, account holder, title and description, and the like. In addition, the receiver terminal 120 may display a deposit button together with account detailed information. At this time, when the receiver terminal 120 receives a deposit button through the user interface, the receiver terminal 120 may display the banking application list as a pop-up window. For example, the recipient terminal 120 may display a banking application list supporting the corresponding extension from account information in which the standard extension is specified. For another example, when the receiver terminal 120 provides an account application setting item in the setting application, and the user inputs a check for the item, the receiver terminal 120 receives a banking application to be interlocked among all banking applications from the user It can be selected and displayed as a list of banking applications. In this case, the receiver terminal 120 may receive a selection for any one banking application from the banking application list from the user.

The recipient terminal 120 may execute a banking application associated with detailed account information. For example, when the recipient terminal 120 receives a selection of any one banking application through the user interface from the banking application list, the recipient terminal 120 executes the corresponding banking application and displays the account deposit page of the corresponding banking application. can In this case, the receiver terminal 120 may automatically input the account information received from the sender terminal 110 in the item of the account transfer page.

The server 130 may perform an account transfer from the receiver terminal 120 to the sender terminal 110 through the banking application. In this case, the server 130 may include a plurality of servers supporting mobile banking.

2A to 2C are diagrams for explaining a process of selecting account information in a caller terminal according to an embodiment of the present invention.

2A is a diagram illustrating a text message input window of a sender terminal. Referring to FIG. 2A , the sender terminal 110 sends a message from the receiver terminal 120 holding the number '010-1023-3574' (210), "Congratulations. Customer. The place to contact is kt. Customer appreciation event for applying Suppose you receive a text message such as "You will be contacted as a winner." The sender terminal 110 may receive the attachment button 220 of the text message input window from the user interface in order to transmit the account number to the receiver terminal 120 .

2B is a diagram illustrating a plurality of attached files. Referring to FIG. 2B , when the sender terminal 110 receives the attachment button 220 from the user interface, the sender terminal 110 may display a plurality of types of attachment files in a pop-up window. The plurality of types of attachments may include, for example, photos, videos, contact information, account information, and the like.

2C is a diagram illustrating previously registered account information. Referring to FIG. 2C , the sender terminal 110 may receive one of pre-registered account information selected as an attachment through the user interface. For example, the sender terminal 110 may display the main account 250 and the entire account 260 on the account selection page 240 . At this time, the user may select the 'ㅇㅇ bank' 251 which is the main account 250 . Alternatively, the user may select any one of the 'A Bank', 'Heo Bank', 'A Bank', and 'A Bank' which are the entire account 260 .

3A to 3C are diagrams for explaining a process of additionally registering account detailed information according to an embodiment of the present invention.

3A is a diagram illustrating an add button on an account selection page. Referring to FIG. 3A , when an account to be transferred is not registered in advance, the sender terminal 110 may receive an add button 310 displayed on the account selection page from the user interface and move to the account addition page.

3B is a diagram illustrating an account addition page. Referring to FIG. 3B , the sender terminal 110 may display the account addition page 320 as a pop-up window to receive account details input through the user interface. The account details may include, for example, a bank name 321 , an account number 322 , an account holder 323 , a title 324 , a memo 325 , and the like. For example, the sender terminal 110 through the user interface 'ㅇㅇ bank' in the bank name 321, 'XXX-XX-XXXX-XXX' in the account number 322, 'Hong Gil-dong' in the account holder 323, 'Payroll passbook' in the title 324, 'account to be notified to friends' in the memo 325, and the like, and a save button 326 may be input to store detailed account items.

3C is a diagram illustrating an account detail page of added account information. Referring to FIGS. 3B and 3C , the sender terminal 110 may additionally register detailed account information based on the account details input through the user interface.

4 is a diagram illustrating account details according to an embodiment of the present invention. Referring to FIG. 4 , the account details may include, for example, a bank name 410 , an account number 420 , an account holder 430 , a title 440 , and a description 450 . For example, the bank name 410 has a property that the user must input, and when the user does not input the corresponding item, the sender terminal 110 may display an unavailable pop-up window on the account addition page. The bank name 410 may receive text, numbers, and special characters input through the user interface. The account number 420 has a property that the user must input, and when the user does not input the corresponding item, the sender terminal 110 may display an unavailable pop-up window on the account addition page. The account number 420 is an item associated with the banking application, and numbers and special characters may be input through the user interface. The account holder 430, the title 440, and the description 450 have attributes that the user can selectively input, and when the user does not input the corresponding item, the sender terminal 110 does not display any information on the account addition page. can The account holder 430 , the title 440 , and the description 450 may receive text, numbers, and special characters input through the user interface.

5A to 5B are diagrams illustrating characters to which a template is applied according to an embodiment of the present invention.

5A is a diagram illustrating a text to which a template transmitted from the sender terminal 110 to the receiver terminal 120 is applied. Referring to FIG. 5A , when one of the account information registered in advance through the user interface in the sender terminal 110 is selected as an attachment, the sender terminal 110 is displayed in the message input window 510 of the sender terminal 110 . The selected account information may be displayed in text and transmitted 520 to the receiver terminal 120 . For example, account information displayed in text may display a bank name, account number, title, account holder, etc. together with a phrase indicating account information such as [account]. At this time, the account information displayed in text is treated as a single entity, and only the entire account information can be deleted, and individual modification is not possible.

5B is a diagram illustrating a text to which a template received from the sender terminal 110 in the receiver terminal 120 is applied. Referring to FIG. 5B , the text 530 to which the template is applied is displayed in the form of a speech bubble 530 on the message display window of the recipient terminal 120 , and the title of the text is displayed in the first area 531 of the speech balloon 530 . and the body of the character may be displayed in the second area 532 of the speech bubble 530 . For example, in the first area 531 of the speech balloon 530, '[account] salary passbook', which is the title of the text, may be displayed, and in the second area 532 of the speech balloon 530, the text ' ㅇㅇ Bank XXX-XX-XXXX-XXX Hong Gil Dong', the bank name, account number, and account holder may be displayed.

6A and 6C are diagrams for explaining a process of executing a banking application associated with detailed account information in a receiver terminal according to an embodiment of the present invention.

6A is a diagram illustrating a text to which a template selected from a user interface is applied in the recipient terminal 120 . Referring to FIG. 6A , the recipient terminal 120 may receive a selection 611 of a text 610 to which a template displayed on the message display window is applied from the user interface.

6B is a diagram illustrating detailed account information displayed on the receiver terminal 120 . Referring to FIG. 6B , when a text to which a template is applied is selected through the user interface, the receiver terminal 120 may display detailed account information transmitted from the sender terminal 110 . The detailed account information may include, for example, a bank name, account number, account holder, title and description. At this time, the receiver terminal 120 may display the deposit button 620 connected to the banking application together with the detailed account information, and the deposit button 620 may be selected through the user interface.

FIG. 6c is a diagram illustrating a list of banking applications in the recipient terminal 120 . Referring to FIG. 6C , the receiver terminal 120 may display a list of banking applications to which account information is linked, and after receiving a banking application selected from the user interface, may execute the selected banking application. At this time, when the banking application is executed, the account information may be automatically input according to the items on the account transfer page.

For example, the receiver terminal 120 may designate a standard extension for account information to display the banking application list, and display the banking application list 630 supporting the extension. For another example, the receiver terminal 120 selects an application to be linked with account information from among a plurality of applications on the account application setting page after receiving account application setting selection from the setting application through the user interface to display the banking application list It can be received and displayed as a banking application list (630). At this time, when the user selects any one of the banking applications 631 from the banking application list 630, the recipient terminal 120 may execute the selected banking application 631 to connect to the account transfer page.

7A to 7B are diagrams for explaining a process in which a user sets up interworking with a banking application in a receiver terminal according to an embodiment of the present invention.

7A is a diagram illustrating a setting application of a receiver terminal. Referring to FIG. 7A , the receiver terminal 120 may set an application related to the account information when receiving account information from the sender terminal 110 by checking the account application setting 710 in the setting application.

7B is a diagram illustrating an account application setting page. Referring to FIG. 7B , the receiver terminal 120 may display an application list in all applications 720 . At this time, by the user checking 'ㅇㅇ Bank Mobile Banking' (721) and 'A Bank Mobile Banking' 722 among a plurality of applications in the application list, 'ㅇㅇ Bank Mobile Banking' 721 and 'A Bank Mobile Banking' ' 722 may be displayed on the designated application 730 to be linked with account information. For example, when a deposit button is input through the user interface in the detailed account information, the designated application 730 may be displayed on the display as a list of banking applications to be used.

8 is a flowchart illustrating a method for transmitting account information according to an embodiment of the present invention. The account information transmission method performed by the sender terminal 110 and the receiver terminal 120 according to the embodiment shown in FIG. 8 is time-series processing in the account information transmission system 1 according to the embodiment shown in FIG. includes the steps to be Therefore, even if omitted below, the content already described with respect to the account information transmission system 1 according to the embodiment shown in FIG. 1 is the sender terminal 110 and the receiver terminal 120 according to the embodiment shown in FIG. ) is also applied to the account information transmission method performed by

In step S810, the sender terminal 110 may receive an attachment button of the text message input window through the user interface. In step S820, the sender terminal 110 may receive one of the previously registered account information selected as an attachment through the user interface. In step S830, the sender terminal 110 may transmit the selected account information to the receiver terminal 120 as a text to which the template is applied. In step S840, the recipient terminal 120 may display the text to which the template is applied on the message display window. In this case, the text to which the template is applied may be displayed in the form of a speech bubble on the message display window, the title of the text may be displayed in the first area of the speech bubble, and the body of the text may be displayed in the second area of the speech bubble. In step S850, the receiver terminal 120 may display detailed account information when a character to which a template is applied is selected through the user interface. In this case, the detailed account information may include at least one or more of a bank name, account number, account holder, title, and description. In step S860, the recipient terminal 120 may execute a banking application associated with the detailed account information.

Although not shown in FIG. 8, the sender terminal 110 receives an input of an account addition button through a user interface, a step of receiving an input of account details, and the steps of additionally registering account details based on the inputted account details may further include.

Although not shown in FIG. 8 , after step S820 , the sender terminal 110 may further include a step of displaying the selected account information in text in the message input window of the sender terminal 110 . In this case, the account information displayed in text may only be completely deleted and may not be individually modified.

Although not shown in FIG. 8 , in step S850 , the receiver terminal 120 may further include displaying a deposit button along with detailed account information. In this case, in step S860, the receiver terminal 120 may further include a step of receiving a selection of a deposit button through the user interface.

Although not shown in FIG. 8, in step S860, the receiver terminal 120 displays the account deposit page of the banking application, and automatically enters the account information received from the sender terminal 110 in the items of the account transfer page. may include more.

In the above description, steps S810 to S860 may be further divided into additional steps or combined into fewer steps according to an embodiment of the present invention. In addition, some steps may be omitted if necessary, and the order between steps may be changed.

The account information transmission method performed by the sender terminal 110 and the receiver terminal 120 described through FIG. 8 is also in the form of a recording medium including instructions executable by a computer, such as a program module executed by a computer. can be implemented. Computer-readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer-readable media may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other data in a modulated data signal such as a carrier wave, or other transport mechanism, and includes any information delivery media.

The description of the present invention described above is for illustration, and those of ordinary skill in the art to which the present invention pertains can understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be interpreted as being included in the scope of the present invention. do.

110: caller terminal
120: receiver terminal
130: server

Claims (14)

In the account information transmission method,
receiving an attachment button of a text message input window from a sender terminal;
receiving selected one of the account information registered in advance in the sender terminal as an attachment;
transmitting the selected account information as a template applied text from the sender terminal to the receiver terminal;
displaying the text to which the template is applied on a message display window in the recipient terminal;
displaying detailed account information when the character to which the template is applied is selected in the receiver terminal; and
executing a banking application associated with the account detailed information in the recipient terminal
including,
The step of executing the banking application is,
receiving a selection of a specific banking application from a preset banking application list associated with the account detailed information in the receiver terminal;
displaying a direct deposit page of the selected specific banking application; and
Comprising the step of automatically inputting the account information received from the sender terminal according to the item of the account deposit page of the specific banking application,
setting at least one banking application to be associated with the account detailed information when the recipient terminal receives the text to which the template is applied from the sender terminal; and
The method further comprising the step of displaying the banking application list including the set at least one banking application in the receiver terminal, account information transmission method.
The method of claim 1,
receiving an account addition button from the sender terminal;
receiving account details; and
Further comprising the step of additionally registering the account details based on the input account details, account information transmission method.
The method of claim 1,
The account detailed information includes at least one of a bank name, account number, account holder, title, and description.
The method of claim 1,
After the step of being selected as the attachment,
Further comprising the step of displaying the selected account information in text on the message input window of the sender terminal,
The account information displayed in the text can only be deleted entirely and can not be individually modified, the account information transmission method.
The method of claim 1,
The text to which the template is applied is,
It is displayed in the form of a speech bubble on the message display window,
The title of the text is displayed in a first area of the speech bubble, and the body of the text is displayed in a second area of the speech bubble.
The method of claim 1,
The step of displaying the account detailed information includes:
Displaying a deposit button together with the account detailed information in the receiver terminal,
The step of running the banking application is
Including the step of receiving the selection of the deposit button from the receiver terminal, account information transmission method.
delete In the account information transmission system,
Receive the attachment button in the text message input window,
One of the pre-registered account information is selected as an attachment,
a sender terminal for transmitting the selected account information as a text to which a template is applied; and
Display the text to which the template is applied on the message display window,
When the character to which the template is applied is selected, the account details are displayed,
Recipient terminal configured to run a banking application associated with the account detailed information
including,
The receiver terminal,
A specific banking application is selected from a preset banking application list linked to the account detailed information,
Display the direct deposit page of the selected specific banking application,
Automatically input the account information received from the sender terminal according to the items on the account deposit page of the specific banking application,
The receiver terminal,
setting at least one banking application to be linked with the account detailed information when receiving the text to which the template is applied from the sender terminal;
Which will display the banking application list including the set at least one banking application, the system.
9. The method of claim 8,
The sender terminal is
A system that receives an account detail item through an account addition button input, and additionally registers the account detail information based on the input account detail item.
9. The method of claim 8,
The account detailed information includes at least one or more of a bank name, account number, account holder, title, and description.
9. The method of claim 8,
The sender terminal is
Displaying the selected account information as text in the message input window of the sender terminal,
The system, wherein the account information displayed in the text can only be deleted in its entirety and cannot be individually modified.
9. The method of claim 8,
The text to which the template is applied is,
It is displayed in the form of a speech bubble on the message display window,
wherein the title of the text is displayed in a first area of the speech bubble, and the body of the text is displayed in a second area of the speech bubble.
9. The method of claim 8,
The receiver terminal,
Displaying a deposit button together with the account detailed information, and receiving the selection of the deposit button, the system.
delete

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