KR20080009175A - Game account operation method and system and program recording medium - Google Patents

Abstract

A method and a system for managing a game account, and a program recording medium thereof are provided to offer convenience for payment performed when children use a game, and prevent thoughtless payment and game addiction of the children by opening a safe game account linked with a ledger of a parent and setting conditions, such as available game providers/types and a use limit of each game, to the game account of the children. A storage medium stores/manages client account information and game account information using a client account as a mother account by linking with monthly transfer amount information and available game provider information. A transfer processor(140) extracts the monthly transfer amount information from the storage medium, and transfers the amount from the client account to the game account based on the monthly transfer amount information. A message receiver receives a payment approval request message using the game account as a payment account. An account operator determines whether an object requesting the payment corresponds to the available game provider information extracted from the storage medium, and processes the payment when the object corresponds to the available game provider information.

Description

System and Method for Operating Game Account and Program Recording Medium}

1 is a diagram illustrating a ledger-based parent safe game account management system according to an embodiment of the present invention.

2 is a diagram illustrating a process of operating a ledger-based parent safe game account according to an embodiment of the present invention.

3 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to an embodiment of the present invention.

4 is a diagram illustrating a ledger-based parental safe game account management system according to another embodiment of the present invention.

5 is a diagram illustrating a process of operating a ledger-based parental relief game account according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to another embodiment of the present invention.

7 is a view showing a ledger-based parental safe game account management system according to another embodiment of the present invention.

8 is a diagram illustrating a process of operating a ledger-based parent safe game account according to an embodiment of the present invention.

FIG. 9 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to another embodiment of the present invention.

10 is a view showing a ledger-based parental safe game account management system according to another embodiment of the present invention.

11 is a diagram illustrating a process of operating a ledger-based parental relief game account according to another embodiment of the present invention.

12 is a diagram illustrating a virtual account operation process generated using a ledger-based parental security game account as a parent account according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to an embodiment of the present invention.

14A and 14B illustrate the structure of ledger information including parent security game account related information according to an embodiment of the present invention.

15 is a view showing the ledger-based parental relief game account opening information and associated registration process according to an embodiment of the present invention.

16 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to another embodiment of the present invention.

17A and 17B are diagrams illustrating the structure of ledger information including parent security game account related information according to an embodiment of the present invention.

18 is a view showing the ledger-based parental relief game account opening information and associated registration process according to another embodiment of the present invention.

19 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to another embodiment of the present invention.

20A and 20B are diagrams illustrating the structure of ledger information including parent safe game account related information according to an embodiment of the present invention.

FIG. 21 is a diagram illustrating a process of switching and / or registering a ledger-based parent safe game according to another embodiment of the present invention.

<Description of main parts of drawing>

100: account management server 105: interface unit

110: information receiving unit 115: information checking unit

120: information extraction unit 125: information determination unit

130: payment processing unit 135: information transmission unit

140: transfer processing unit 145: financial system

150: Ledger D / B

According to the present invention, after the customer (parent) opens and registers a ledger-based parental security game account, at least one virtual account having the parental security game account and the parental security game account as a parent account according to the account operation condition according to the present invention. It relates to a ledger-based parent safe game account management system.

In recent years, as the Internet infrastructure has spread rapidly, various online games have appeared instead of directly playing games or playing games alone with a computer.

As these online games have changed more and more interestingly with the desires of users and the development of information technology, the online game market has started to grow in size, and users have been forced to spend more on games.

Under these circumstances, parents could not help but worry about their children's indiscriminate use of the game (game) and game addiction.

The present invention withdraws a predetermined amount from the client account in the direct debit processing means, transfers to a predetermined game-only virtual account, a predetermined payment approval request requesting the game-only virtual account as a payment account in a predetermined information receiving means. Receiving the full text, a storage medium (or storage) for storing in a predetermined information confirming means by linking the game-specific virtual account information and at least one or more game company (or game type) information that is permitted payment processing using the virtual account Media management means), in association with the virtual account information to identify and / or extract the previously stored game company (or game type) information, based on the information identified and / or extracted from a predetermined account management means At least one game company (or crab) to which the payment request is granted is subject to the payment approval. Type), and if it is determined that the object for requesting the payment approval is included in at least one or more game companies (or game types) to which the payment processing is allowed, The present invention provides a game bank operating method and system for processing payment approval.

Game account management system according to the present invention, the client account information, at least one or more game-specific virtual account information having the client account as the mother account and the amount information set to be automatically (monthly) automatic transfer processing from the mother account to the virtual account And a storage medium for linking and storing at least one game company (or game type) information which is allowed to be processed using the virtual account. Checking and / or extracting monthly (or quarterly) automatic debit amount information in association with the storage medium (or storage medium operating means), and based on the confirmed and / or extracted automatic debit amount information, the client Automatic transfer means for withdrawing a predetermined amount from the account, the transfer process to the virtual account dedicated to the game; Specialized receiving means for receiving a predetermined payment approval request full text of the game-only virtual account as a payment account; And identifying at least one or more game company (or game type) information in association with the storage medium (or storage medium operating means), which is linked to the virtual account information, and allows payment processing using the previously stored virtual account. Or extract and determine whether the object for requesting payment approval is included in at least one game company (or game type) to which the payment processing is allowed, based on the confirmed and / or extracted information, and And determining, by the account management means, to process the payment approval corresponding to the payment approval request, when the target of requesting the payment approval is included in at least one or more game companies (or game types) to which the payment processing is permitted. Characterized in that made.

According to the present invention, the storage medium further stores and manages payment limit information for each game company (or game type) to which payment processing using the virtual account is permitted. Identify and / or extract payment limit information for each game company (or game type) that is linked with the virtual account information, and is linked with the virtual account information to allow payment processing using the previously stored virtual account; On the basis of the checked and / or extracted information, it is determined whether the payment approval request object and the payment amount meet the payment limit for each game company (or game type); and as a result of the determination, the payment approval request When the object and the payment amount meet the payment limit for each game company (or game type), the payment approval corresponding to the payment approval request is processed. The.

According to the present invention, the game account management system, withdraws a predetermined amount from the client account, and before and / or after the transfer process to the virtual account dedicated to the game, approves the transfer process to the client communication means. And information providing means for acquiring and / or notifying the transfer processing details to the client communication means.

According to the present invention, the game bank operating system, characterized in that it further comprises information providing means for notifying the payment approval details to the client communication means.

On the other hand, the present invention includes a recording medium, characterized in that for recording a program for executing the means function provided in the above-described game bank operating system.

On the other hand, the game bank operating method according to the present invention, the withdrawal of a predetermined amount from the client account in the automatic transfer processing means, the transfer process to a predetermined game-only virtual account; Receiving, by a predetermined information receiving means, a predetermined payment approval request full text of the game-only virtual account as a payment account; A storage medium (or storage medium operating means) for storing the game-specific virtual account information and at least one game company (or game type) information that is allowed to be settled using the virtual account in a predetermined information checking means; Confirming and / or extracting game company (or game type) information stored in association with the virtual account information in association with the virtual account information; On the basis of the information confirmed and / or extracted by a predetermined account management means, it is determined whether the object for requesting the payment approval is included in at least one or more game companies (or game types) to which the payment processing is allowed. And processing the payment approval corresponding to the payment approval request when the target request for payment approval is included in at least one or more game companies (or game types) to which the payment processing is permitted. Characterized in that made.

According to the present invention, the game account operating method, when the storage limit information for each game company (or game type) that is allowed to the payment processing using the virtual account is stored in the storage medium (or storage medium operation) Means for confirming and / or extracting payment limit information for each game company (or game type) to which payment processing using the previously stored virtual account is processed in association with the virtual account information, and the confirmation and / or Based on the extracted information, it is determined whether the payment approval request object and the payment amount correspond to the payment limit for each game company (or game type), and as a result of the determination, the payment approval request object and the payment amount If it meets the payment limit for each game company (or game type), further comprising the step of processing the payment approval corresponding to the payment approval request is made The features.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a ledger-based parent safe game account management system according to an embodiment of the present invention.

In more detail, Figure 1 shows a customer (parent) in accordance with the present invention after opening and registering a ledger-based parental security game account, at least one or more virtual accounts of the parental security game account and the parental security game account as a parent account Regarding the ledger-based parental security game account management system operating in accordance with the account operating conditions according to the invention, those of ordinary skill in the art to which the present invention belongs, the present invention by referring to and / or modified in the present It is possible to infer the system configuration for the ledger-based parental security game account management system according to the present invention, but the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG.

The ledger-based parent safe game account management system is a predetermined connection that is connected to the customer (child) terminal and the customer terminal registered as a user of at least one virtual account created using the parent safe game account as a parent account through a predetermined network means And the game server 155, the account management server 100 for operating at least one virtual account generated by the parent safe game account and the parent safe game account in conjunction with the game server 155, the parent account; And a ledger D / B 150 in which ledger information corresponding to the opened parental security game account is stored.

Those skilled in the art to which the present invention pertains, The financial management system 145 provided in the financial institution according to the intention of those skilled in the art, the account management server 100 and the ledger D / B shown in FIG. It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system 145 outside of The account management server 100 and / or ledger D / B 150 shown in FIG. 1 are merely one means for easily explaining the technical features of the present invention.

In addition, those skilled in the art to which the present invention belongs, the account management server 100 and ledger D / B 150 shown in Figure 1 is provided in the financial institution according to the intention of those skilled in the art It may be a predetermined online payment server (for example, an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment that is connected to the financial system 145 outside the financial system 145. It will be clearly understood that the account management server and / or ledger D / B 150 shown in FIG. 10 is merely one means for easily describing the technical features of the present invention.

The customer terminal is a terminal operated by a customer (child) registered to use at least one or more virtual accounts generated by using the ledger-based parental security game account according to the present invention, and includes a wired terminal and / or a wireless terminal. It is characterized in that for connecting to a predetermined game server 155 to process a predetermined electronic payment using the virtual account.

Referring to Figure 1, the financial system 145 shown in the ledger-based parental security game account management system to open at least one financial account to at least one or more customers, and to process financial transactions based on the financial account It is a computer system provided to a predetermined financial institution, and it is an accounting system that handles window work such as credit or receiving or trust or foreign exchange occurring in at least one branch, and the processing of this sub-business, branch information support and customer information management. A variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine) by accessing the information system to be processed and the external computer network including the financial system and homes, businesses, stores and card companies. , External exchanges, other exchanges, call centers, financial settlements, etc. Interface module corresponding to the middleware platform that provides the leasing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks). And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), The present invention is not limited by this.

According to the implementation method of the present invention, the financial institution equipped with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes a ledger including at least one of a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and It is characterized in that the predetermined account operation condition information required for operating at least one or more virtual accounts using the parent security game account as a parent account is stored in association.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. Account management server and a financial network or a predetermined communication network operating the parent security game account and the corresponding virtual account using predetermined account operation condition information required for operating at least one virtual account serving as a parent account. Characterized in that connected through.

The ledger D / B 150 stores the parent safe game account in the ledger information corresponding to the parent safe game account opened to the customer (parent) as shown in FIGS. 14a and / or 17a and / or 20a. It is preferable to store at least one virtual account information generated as a parent account and account operation condition information for operating the parental security game account and the virtual account.

Referring to FIG. 1, the illustrated account management server 100 may include at least one virtual account generated using at least one or more game servers 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. An interface unit for connecting and managing a communication channel for processing electronic payment (eg, game fee, game item use (purchase) fee, etc.), and from the game server 155 through the interface unit 105. The information receiving unit 110 receives predetermined virtual account information input (or selected) by a customer (child) who has requested a payment, and the virtual account information (and / or the virtual account information received through the information receiving unit 110). An information confirmation unit 115 for confirming mother account information of the virtual account and account operation condition information associated with the mother account information in association with the ledger D / B 150 based on the included virtual account number); When the account operation condition information for operating the virtual account is confirmed as a result of the check by the information checking unit 115, information for extracting the account operation condition information for operating the virtual account in connection with the ledger D / B 150 An extraction unit 120 and an information determination unit 125 that determines whether electronic payment is possible using the virtual account according to the extracted account operation condition information, and the determination result using the virtual account according to the account operation condition information. When the electronic payment is possible, it characterized in that it comprises a payment processing unit 130 for performing the electronic payment processing using the virtual account of the customer (child).

According to the implementation method of the present invention, the account management server 100, by periodically querying the account operation condition information associated with the parent security game account information and the parent security account information, and included in the account operation condition information If the debit conditions are met, the transfer processing unit 1040 and the transfer processing details for the transfer processing from the parent safe game account to the at least one virtual account created by using the parent safe game account as a parent account; It may be configured to further include an information transmission unit 135 for transmitting to the parental relief game account opening and registration customer (parent) communication means.

The interface unit 105 of the account management server 100 uses a customer (child) virtual account having at least one or more game servers 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. A predetermined communication channel for processing electronic payment is connected, and the communication channel is maintained and managed.

The communication channel connected to and managed by the interface unit 105 and at least one game server 155 may be a dedicated communication network between the financial system 145 provided in the financial institution and the at least one game server 155. According to one embodiment of the present invention, a communication channel connected via at least one or more corresponding to at least one financial transaction (or electronic payment) service defined between the game server 155 and the account management server 100 is provided. It is preferable to include a transaction protocol for transmitting and receiving a full-text (or data), the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is the financial transaction (or electronic payment) business type of each financial institution and the According to the characteristics of the platform constituting the financial system 145 can be defined and used in various ways, the specific financial system 145 The present invention is not limited by the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) adopted.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 110 at least one or more information corresponding to a predetermined financial transaction (or electronic payment) business using the virtual account of the customer (child) from the game server 155 through the interface unit 105 Characterized in that it receives a full text, including the read the full text based on the structure, the information of at least one director corresponding to each financial transaction (or electronic payment) business from the read text It is characterized in that the extraction.

According to another exemplary embodiment of the present invention, the information receiving unit 110 uses a virtual account of the customer (child) from the game server 155 through the interface unit 105 (or electronic payment). Receiving traffic data including at least one information corresponding to a task, and extracting at least one information corresponding to each financial transaction (or electronic payment) task by reading a header of the traffic data. It is possible, and the invention is not limited thereby.

According to the present invention, a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) can be made on the game server 155 (or a server trading predetermined game items). Item), including a related financial transaction (or electronic payment).

The information checking unit 115 receives the predetermined financial transaction (or electronic payment) business information using the virtual account of the customer (child) through the information receiving unit 110, the financial transaction (or electronic payment). Check the parent account (parent security game account) information of the virtual account information (or virtual account number) of the customer (child) included in the work information, and in connection with the confirmed parent account 14a, 17a or Figure below As shown in 20a, it is characterized by checking the account operation condition information stored in the ledger D / B 150.

The information extracting unit 120, when the mother account (parent security game account) associated with the customer (child) virtual account and the account operation condition information associated with the mother account is confirmed through the information verification unit 115, Extracting the confirmed account operating condition information, characterized in that the transfer to the information determination unit 125.

The information determining unit 125 may determine whether to process electronic payment using the customer (child) virtual account with reference to the extracted account operation condition information.

According to an exemplary embodiment of the present invention, in the account operation condition information, the parent security game account opening customer (parent) can not settle a specific game server 155 (game site, unique IP address, etc.) and / or game type. If set, the customer (child) is connected to the non-payable specific game server 155 (game site) set by the parent secure game account opening customer (parent) and / or electronically associated with the game corresponding to the game type. When requesting a payment, payment of the customer (child) virtual account is restricted.

The transfer processing unit 140 periodically queries at least one or more parent safe game account information and account operation condition information associated with the parent safe account information stored in the ledger D / B 150 according to the present invention, the inquiry In the process, if the automatic transfer condition included in the account operation condition information is met, at least one virtual account generated from the parent safe game account as the parent account from the parent safe game account according to the automatic transfer condition It is characterized by processing the transfer amount transfer.

According to an exemplary embodiment of the present invention, when the automatic transfer condition information included in the account operation condition information associated with the predetermined parent safe game account information is 30 days each month and the set virtual account limit amount is 100,000 won, the transfer processing unit ( 140, the balance of the virtual account generated by the parent security game account and the parent security game account as a parent account on the 30th every month, and transfers a predetermined amount from the parent security game account to the virtual account. .

For example, the amount transferred is preferably not exceeding the set virtual account limit amount, including the balance of the virtual account.

The information transmission unit 135, when the transfer processing details occur through the transfer processing unit 140, the generated transfer processing details to the parent safe game account opening and registration customer (parent) communication means Characterized in that the transmission.

When the payment processing unit 130 determines that the electronic payment using the customer (child) virtual account is possible, based on the extracted account operating condition information, the determination result of the information determining unit 125, the ledger Inquiries the account ledger of the game server 155 from the D / B 150 to check the game company account information that the payment amount is to be deposited, withdraw the payment amount from the virtual account to the confirmed game company account It is characterized in that the transfer process.

2 is a diagram illustrating a process of operating a ledger-based parent safe game account according to an embodiment of the present invention.

In more detail, Figure 2 is the parent according to the account management conditions associated with the ledger-based parental security game account in the account management server 100 provided on the ledger-based parental security game account management system shown in FIG. Regarding the implementation method of operating a safe game account, those of ordinary skill in the art to which the present invention belongs, the account operation condition information in the account management server 100 by referring to and / or modified in the Figure 2 According to the present invention, it is possible to infer various implementation methods for operating the parent safe game account, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

Referring to FIG. 2, the account management server 100 periodically monitors parental security game account information and account operation condition information stored in the ledger D / B 150 shown in FIG. 14A, FIG. 17A, or FIG. 20A. (200).

Through the monitoring process, the account management server 100 determines whether the operation of the parent safe game account according to the account operation condition information (205), the determination result, automatic transfer included in the account operation condition information (virtual) When the date of the automatic transfer to the account and the like is determined that the operation of the parent security game account is necessary (210), first, the virtual account information of the parent security game account as the parent account is checked (215).

In addition, the account management server 100 confirms the amount of money to be transferred to the confirmed virtual account by checking the automatic transfer limit condition and / or virtual account balance limit conditions included in the account operation condition information (220) ).

When the amount of money information to be transferred to the virtual account is confirmed, the account management server 100 transfers the confirmed transfer amount to the virtual account (225), and the transfer processing details of the parent secure game account opening customer ( Parent) to transmit to the communication means to notify (230).

3 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to an embodiment of the present invention.

In more detail, Figure 3 is the parent according to the account management condition information associated with the ledger-based parental security game account in the account management server 100 provided on the ledger-based parental security game account management system shown in FIG. As a method of operating a virtual account generated by using a safe game account as a parent account, those of ordinary skill in the art to which the present invention belongs, will be referred to and / or modified by the figure 3 to the account management server ( 100 may be inferred from various implementation methods for operating a virtual account generated by using the parent safe game account as a parent account in accordance with the account operation condition information, the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Referring to FIG. 3, a customer (child) terminal accesses a predetermined game server 155 (300), and through the connected game server 155, a predetermined electronic payment (eg, game use, game item use ( After the request for electronic payment, etc.) (305), the customer's (child) terminal to the game server 155 to the parent secure game account according to the present invention to be used as a payment method of the electronic payment processing mother account Provides the virtual account information generated by (310).

Then, the game server 155 generates the payment information including the virtual account information and transmits to the account management server 100 shown in Figure 1 (315), the account management server 100 is the game The parent account (parent security game account) information associated with the virtual account information transmitted from the server 155 is checked from the ledger D / B 150 (320).

In addition, the account management server 100 stores the account operation condition information stored in association with the confirmed parent account (parent safety game account) information from the ledger D / B 150 shown in Figure 2a, Figure 5a or Figure 8a In operation 330, it is determined whether the virtual account can be settled with reference to the extracted account operation condition information in operation 330.

According to the implementation method of the present invention, the determination of whether the virtual account can be settled includes the unique information (eg, IP address, domain name, etc.) of the connected game server 155 and / or the game type (eg, game Korean). / English name, etc.) to determine whether the virtual account can not use the game server 155 and / or the type of game set in the account operation condition information, and / or the amount to be paid to the virtual account is the account operation And determining whether the payment amount limit set in the condition information is exceeded, and / or determining whether the payment request time corresponds to the payment available time set in the account operation condition information.

If it is determined that payment using the virtual account is possible (335), the account management server 100 withdraws the payment request amount included in the payment information from the virtual account and performs payment processing (335). ).

Thereafter, the account management server 100 transmits the payment processing details to the parent secure game account opening customer (parent) communication means (340).

4 is a diagram illustrating a ledger-based parental security game account management system according to another embodiment of the present invention.

In more detail, Figure 4 shows a customer (parent) in accordance with the present invention after opening and registering the ledger-based parental security game account, at least one virtual account of the parental security game account and the parental security game account as a parent account One embodiment of the ledger-based parental security game account management system operating in accordance with the account operating conditions according to the invention, if the person of ordinary skill in the art to which the present invention belongs, reference and / or modification By inferring the system configuration for the ledger-based parent safe game account management system according to the present invention, the present invention includes all the implementation methods inferred, and is not limited by the implementation method shown in FIG. No.

The ledger-based parent safe game account management system is a predetermined connection that is connected to the customer terminal (child) terminal and the customer terminal registered as a user of at least one virtual account created using the parent safe game account as a parent account through a predetermined network means And the game server 155, the account management server 400 for operating at least one virtual account generated by the parent safe game account and the parent safe game account in conjunction with the game server 155, the parent account, And a ledger D / B 150 in which ledger information corresponding to the opened parental security game account is stored.

Those skilled in the art to which the present invention pertains, The financial system 145 provided in the financial institution according to the intention of those skilled in the art, the account management server 400 and the ledger D / B shown in FIG. It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system 145 outside of The account management server 400 and / or ledger D / B 150 shown in Figure 4 reveals that only one means for easily explaining the technical features of the present invention.

In addition, if those of ordinary skill in the art to which the present invention belongs, the account management server 400 and the ledger D / B 150 shown in Figure 4 is provided in the financial institution according to the intention of those skilled in the art It may be a predetermined online payment server (for example, an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment that is connected to the financial system 145 outside the financial system 145. It will be clearly understood that the account management server 400 and / or ledger D / B 150 shown in FIG. 4 are merely one means for easily describing the technical features of the present invention.

The customer terminal is a terminal operated by a customer (child) registered to use at least one or more virtual accounts generated by using the ledger-based parental security game account according to the present invention, and includes a wired terminal and / or a wireless terminal. It is characterized in that for connecting to a predetermined game server 155 to process a predetermined electronic payment using the virtual account.

Referring to Figure 4, the financial system 145 shown in the ledger-based parental security game account management system to open at least one financial account to at least one or more customers, and to process the financial transaction based on the financial account A computerized system provided to a predetermined financial institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch, processing headquarters, branch office information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), by connecting to the information system and the external computer network including the financial system and homes, businesses, stores and card companies. External exchanges that provide foreign exchange, call centers, financial settlements, etc.), and interfacing between components within the financial system. Interface module corresponding to the middleware platform that provides data, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks). And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), The present invention is not limited by this.

According to the implementation method of the present invention, the financial institution equipped with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and It is characterized in that the predetermined account operation condition information required for operating at least one or more virtual accounts using the parent security game account as a parent account is stored in association.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. Account management server 400 and a financial network or a predetermined network operating the parent security game account and the corresponding virtual account using predetermined account operation condition information required for operating at least one virtual account serving as a parent account). It is characterized in that connected via a communication network.

The ledger D / B 150 is a parent account security account in the ledger information corresponding to the parent security game account opened to the customer (parent) as shown in Figure 14b and / or 17b and / or 20b below It is preferable to store and store at least one or more virtual account information generated as described above, and the parental security game account and account operation condition information for operating each virtual account.

Referring to FIG. 4, the illustrated account management server 400 may include at least one or more game servers 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. An interface unit for connecting and managing a communication channel for processing electronic payment (eg, game fee, game item use (purchase fee), etc.) using the account, and from the game server 155 through the interface unit 405. An information receiver 410 for receiving predetermined virtual account information input (or selected) by the payment request customer (child), and virtual account information (and / or the virtual account information received through the information receiver 410). Information confirmation unit 415 to check the parent account information of the virtual account and the account operating condition information associated with the virtual account information in connection with the ledger D / B (150) based on the virtual account number included in And, if the account operation condition information for operating the virtual account is confirmed by the information check unit 415, the account operation condition information for operating the virtual account in conjunction with the ledger D / B (150) is extracted An information determination unit 425 for determining whether electronic payment using the virtual account is possible according to the information extraction unit 420 and the account operation condition information corresponding to the extracted virtual account, and the determination result of the account operation condition. When the electronic payment using the virtual account is possible according to the information, characterized in that it comprises a payment processing unit 430 for performing the electronic payment processing using the virtual account of the customer (child).

According to the implementation method of the present invention, the account management server 400, by periodically querying the account operation condition information associated with the parent security game account information and the parent security account information, and included in the account operation condition information If the debit conditions are met, the transfer processing unit 1340 and the transfer processing to process a predetermined automatic transfer amount from the parent safe game account to the at least one virtual account created by using the parent safe game account as a parent account It may be configured to further include an information transmitting unit 435 for transmitting the details to the parent security game account opening and registration customer (parent) communication means.

The interface unit 405 of the account management server 400 uses a customer (child) virtual account having at least one or more game servers 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. A predetermined communication channel for processing electronic payment is connected, and the communication channel is maintained and managed.

The communication channel connected and managed with the at least one game server 155 by the interface unit 405 may be a dedicated communication network between the financial system 145 provided in the financial institution and the at least one game server 155. According to one embodiment of the present invention, a communication channel connected through at least one or more corresponding to at least one financial transaction (or electronic payment) service defined between the game server 155 and the account management server 400 is provided. It is preferable to include a transaction protocol for transmitting and receiving a full-text (or data), the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is the financial transaction (or electronic payment) business type of each financial institution and the According to the characteristics of the platform constituting the financial system 145 can be defined and used in various ways, the specific financial system 145 The present invention is not limited by the transaction protocol (and / or the specialized structure corresponding to the transaction protocol) adopted.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 410 receives at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task using the virtual account of the customer (child) from the game server 155 through the interface unit 405. Characterized in that it receives a full message, and based on the full text structure to read the received full text, and extracts the information of at least one director corresponding to each financial transaction (or electronic payment) business from the read text Characterized in that.

According to another embodiment of the present invention, the information receiving unit 410 is a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) from the game server 155 through the interface unit 405 Receiving traffic data including at least one information corresponding to a task, and extracting at least one information corresponding to each financial transaction (or electronic payment) task by reading a header of the traffic data. It is possible that the present invention is not limited thereby.

According to the present invention, a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) can be made on the game server 155 (or a server trading predetermined game items). Item), including a related financial transaction (or electronic payment).

The information checking unit 415 receives the predetermined financial transaction (or electronic payment) business information using the virtual account of the customer (child) through the information receiving unit 410, and receives the financial transaction (or electronic payment). Check the parent account (parent security game account) information of the virtual account information (or virtual account number) of the customer (child) included in the work information, and associated with the virtual account and the following 14b, 175b or 21b As shown, it is characterized by checking the account operating condition information stored in the ledger D / B (150).

According to an embodiment of the present invention, the account operation condition information is stored in the ledger D / B 150 to correspond to each virtual account information (or virtual account ledger information) associated with the parent safe game account ledger It features.

The information extracting unit 420, when the mother account (parent security game account) associated with the customer (child) virtual account and the account operation condition information associated with the mother account is confirmed through the information verification unit 415, Extract the confirmed account operating condition information, and transmits the information to the information determining unit 425.

The information determining unit 425 may determine whether to process electronic payment using the customer (child) virtual account with reference to the extracted account operation condition information.

According to an exemplary embodiment of the present invention, in the account operation condition information, the parent security game account opening customer (parent) can not settle a specific game server 155 (game site, unique IP address, etc.) and / or game type. If set, the customer (child) is connected to the non-payable specific game server 155 (game site) set by the parent secure game account opening customer (parent) and / or electronically associated with the game corresponding to the game type. When requesting a payment, payment of the customer (child) virtual account is restricted.

The transfer processing unit 440 periodically queries the account operation condition information associated with at least one parent safe game account information and the parent safe account information stored in the ledger D / B 150 according to the present invention, the query In the process, if the automatic transfer condition included in the account operation condition information is met, at least one virtual account generated from the parent safe game account as the parent account from the parent safe game account according to the automatic transfer condition It is characterized by processing the transfer amount transfer.

According to an exemplary embodiment of the present invention, when the automatic transfer condition information included in the account operation condition information associated with the predetermined parent safe game account information is 30 days each month and the set virtual account limit amount is 100,000 won, the transfer processing unit ( In step 440, the parent security game account and the parent security game account are searched for the balance of a virtual account generated by using the parent security game account as a parent account, and a predetermined amount is transferred to the virtual account from the parent security game account. .

For example, the amount transferred is preferably not exceeding the set virtual account limit amount, including the balance of the virtual account.

The information transmission unit 435, when the transfer processing details occur through the transfer processing unit 440, transfers the generated transfer processing details to the parent security game account opening and registration customer (parent) communication means Characterized in that.

When the payment processing unit 430 determines that the electronic payment using the customer (child) virtual account is possible, based on the extracted account operating condition information, the determination result of the information determining unit 425, the ledger Inquiries the account ledger of the game server 155 from the D / B 150 to check the game company account information that the payment amount is to be deposited, withdraw the payment amount from the virtual account to the confirmed game company account It is characterized in that the transfer process.

5 is a diagram illustrating a process of operating a ledger-based parent safe game account according to another embodiment of the present invention.

In more detail, Figure 5 is an account operating condition corresponding to the virtual account associated with the ledger-based parental security game account in the account management server 400 provided on the ledger-based parental security game account management system shown in FIG. As a method of operating the parental safety game account (parent account) according to the information, if the person of ordinary skill in the art to which the present invention belongs, reference and / or modify the drawing 5 to the account management server ( In operation 400, various implementation methods for operating the parental security game account may be inferred according to the account operation condition information corresponding to the virtual account, but the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown.

Referring to FIG. 5, the parental game account information stored in the ledger D / B 150 shown in FIG. 14b, FIG. 17b, or FIG. 20b in the account management server 400 and the parental safe game account are used as parent accounts. 500 periodically monitors account operation condition information corresponding to at least one virtual account.

Through the monitoring process, the account management server 400 determines whether or not to operate the parent safe game account according to the account operation condition information (505), the determination result, automatic transfer (virtual) included in the account operation condition information When the date of arrival of the account, etc., is determined that the operation of the parental security game account is necessary (510), the automatic transfer limit condition and / or the virtual account balance limit condition, etc. included in the account operation condition information are determined. In operation 515, the amount information to be transferred to the confirmed virtual account is confirmed.

When the amount information to be transferred to the virtual account is confirmed, the account management server 400 transfers the confirmed transfer amount to the virtual account (520), and the transfer processing details of the parent secure game account opening customer ( Parent) to transmit to the communication means to notify (525).

6 is a diagram illustrating a virtual account operation process generated by using a ledger-based parental security game account as a parent account according to another embodiment of the present invention.

In more detail, Figure 6 is an account operating condition corresponding to the virtual account associated with the ledger-based parental assured game account in the account management server 400 provided on the ledger-based parental assured game account management system shown in FIG. An embodiment of the present invention relates to a method of operating the virtual account generated by using the parent security game account as a parent account, and those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. By using the account management server 400 may infer various implementation methods for operating a virtual account generated by using the parent safe game account as a parent account according to the account operation condition information, the present invention is inferred implementation method It includes all, and is not limited to the implementation method shown in FIG.

Referring to FIG. 6, a customer (child) terminal accesses a predetermined game server 155 (600), and through the connected game server 155 a predetermined electronic payment (eg, game use, game item use ( After the request for electronic payment, etc.) (605), the parental security game account according to the present invention to be used as a payment means of the electronic payment processing from the customer (child) terminal to the game server 155. In operation 610, the virtual account information generated as described above is provided.

Then, the game server 155 generates the payment information including the virtual account information and transmits to the account management server 400 shown in Figure 4 (615), the account management server 400 is the game The mother account (parent security game account) information and the account operation condition information associated with the virtual account information transmitted from the server 155 is confirmed from the ledger D / B 150 (620).

In addition, the account management server 400 extracts the account operation condition information stored in association with the confirmed virtual account information from the ledger D / B 150 shown in FIGS. 14B, 17B, or 20B (625). In operation 630, it is determined whether the virtual account can be settled with reference to the extracted account operation condition information.

According to the implementation method of the present invention, the determination of whether the virtual account can be settled includes the unique information (eg, IP address, domain name, etc.) of the connected game server 155 and / or the game type (eg, game Korean). / English name, etc.) to determine whether the virtual account can not use the game server 155 and / or the type of game set in the account operation condition information, and / or the amount to be paid to the virtual account is the account operation And determining whether the payment amount limit set in the condition information is exceeded, and / or determining whether the payment request time corresponds to the payment available time set in the account operation condition information.

If it is determined that payment using the virtual account is possible (635), the account management server 400 withdraws the payment request amount included in the payment information from the virtual account and performs payment processing (635). ).

Thereafter, the account management server 400 transmits the payment processing details to the parent secure game account opening customer (parent) communication means (640).

7 is a diagram illustrating a ledger-based parental security game account management system according to another embodiment of the present invention.

In more detail, Figure 7 shows a customer (parent) in accordance with the present invention after opening and registering a ledger-based parental security game account, at least one or more virtual accounts of the parental security game account and the parental security game account as a parent account The present invention relates to a ledger-based parental safe game account management system operating according to an account operating condition according to the present invention, and in particular, the ledger-based parental safe game account management system requests a payment processing using a virtual account of a customer (child). Opening and registering a parent account (parent safe game account) of the customer (parent) to obtain a predetermined agreement for the use of the virtual account of the customer (child), the virtual account of the customer (child) in accordance with the consent of the customer (parent) Characterized in that the payment processing is carried out, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure And / or may be modified to infer the system configuration for the ledger-based parental security game account management system according to the present invention, but the present invention includes all the implementation methods inferred, in the implementation method shown in FIG. It is not limited by.

The ledger-based parent safe game account management system is a predetermined connection that is connected to the customer (child) terminal and the customer terminal registered as a user of at least one virtual account created using the parent safe game account as a parent account through a predetermined network means And the game server 155, the account management server 700 that operates in conjunction with the game server 155 and at least one virtual account generated by the parent safe game account and the parent safe game account as a parent account, And a ledger D / B 150 in which ledger information corresponding to the opened parental security game account is stored.

Those skilled in the art to which the present invention pertains, The financial system 145 provided in the financial institution according to the intention of those skilled in the art, the account management server 700 and the ledger D / B shown in FIG. It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system 145 outside of The account management server and / or ledger D / B 150 shown in FIG. 10 is merely one means for easily explaining the technical features of the present invention.

In addition, if those of ordinary skill in the art to which the present invention belongs, the account management server 700 and the ledger D / B 150 shown in Figure 7 is provided in the financial institution according to the intention of those skilled in the art It may be a predetermined online payment server (for example, an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment that is connected to the financial system 145 outside the financial system 145. It will be clearly understood that the account management server 700 and / or ledger D / B 150 shown in FIG. 7 are merely one means for easily explaining the technical features of the present invention.

The customer terminal is a terminal operated by a customer (child) registered to use at least one or more virtual accounts generated by using the ledger-based parental security game account according to the present invention, and includes a wired terminal and / or a wireless terminal. It is characterized in that for connecting to a predetermined game server 155 to process a predetermined electronic payment using the virtual account.

Referring to FIG. 7, the financial system 145 shown in the ledger-based parental security game account management system opens at least one financial account to at least one or more customers, and processes the financial transaction based on the financial account. A computerized system provided to a predetermined financial institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch, processing headquarters, branch office information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), by connecting to the information system and the external computer network including the financial system and homes, businesses, stores and card companies. External exchanges that provide foreign exchange, call centers, financial settlements, etc.) and interfacing between components within the financial system. Interface module corresponding to the middleware platform that provides the leasing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks). And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), The present invention is not limited by this.

According to the implementation method of the present invention, the financial institution equipped with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and It is characterized in that the predetermined account operation condition information required for operating at least one or more virtual accounts using the parent security game account as a parent account is stored in association.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. Account management server and a financial network or a predetermined communication network operating the parent security game account and the corresponding virtual account using predetermined account operation condition information required for operating at least one virtual account serving as a parent account. Characterized in that connected through.

The ledger D / B 150 is a parent reassuring game in the ledger information corresponding to the parent reassurance game account opened to the customer (parent) as shown in Figure 14a and / or 17a and / or 20a below It is preferable to store at least one virtual account information generated using the account as a mother account and account operation condition information for operating the parental security game account and the virtual account.

Referring to FIG. 7, the illustrated account management server 700 includes at least one virtual account generated by using at least one game server 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. An interface unit for connecting and managing a communication channel for processing electronic payment (eg, game fee, game item use (purchase) fee, etc.), and from the game server 155 through the interface unit 705. An information receiver 710 for receiving predetermined virtual account information input (or selected) by a customer (child) who has requested a payment, and the virtual account information (and / or the virtual account information received through the information receiver 710). An information confirmation unit 715 for confirming the mother account information of the virtual account and the account operation condition information associated with the mother account information in association with the ledger D / B 150 based on the included virtual account number); When the account operation condition information for operating the virtual account is confirmed as a result of the check by the information checking unit 715, information for extracting the account operation condition information for operating the virtual account in connection with the ledger D / B (150) An extraction unit 720, an information determination unit 725 that determines whether electronic payment is possible using the virtual account according to the extracted account operation condition information, and the determination result that uses the virtual account according to the account operation condition information. If the electronic payment is possible, it characterized in that it comprises a payment processing unit 730 for performing the electronic payment processing using the virtual account of the customer (child).

According to an embodiment of the present invention, the account management server 700 periodically queries the account operation condition information associated with the parent safe game account information and the parent safe account information, and included in the account operation condition information. If the debit conditions are met, the transfer processing unit 740 and the transfer processing history for processing the transfer of the predetermined automatic transfer amount from the parent safe game account to the at least one virtual account created by using the parent safe game account as a parent account; It may be configured to further include an information transmitting unit 735 for transmitting to the parent security game account opening and registration customer (parent) communication means.

According to the implementation method of the present invention, the account management server 700, when the electronic judgment using the virtual account according to the account operation condition information determined by the information determination unit 725, the parent safe game account Sending a message requesting a predetermined consent to the settlement of the customer (child) by the established customer and the registered customer (parent) communication means, receiving a response message to the consent request message, the virtual account of the customer (child) Characterized in that it further comprises a customer approval unit 745 to confirm whether the customer (parent) consent for the payment.

The customer approval unit 745 confirms whether the customer (parent) agrees to the payment of the virtual account of the customer (child), and transmits the confirmed customer (parent) approval information to the payment processing unit 730. It features.

According to an embodiment of the present invention, the payment processing unit 730 performs payment processing for the virtual account payment request of the customer (child) according to the customer (parent) approval information transmitted from the customer approval unit 745. It is desirable to.

The interface unit 1605 of the account management server 700 uses a customer (child) virtual account having at least one or more game servers 155 and a ledger-based parental security game account according to the present invention as a parent account through a predetermined communication network. A predetermined communication channel for processing electronic payment is connected, and the communication channel is maintained and managed.

The communication channel connected and managed with the at least one game server 155 by the interface unit 705 may be a dedicated communication network between the financial system 145 provided with the financial institution and the at least one game server 155. According to one embodiment of the present invention, a communication channel connected through at least one or more corresponding to at least one financial transaction (or electronic payment) service defined between the game server 155 and the account management server 700 is provided. It is preferable to include a transaction protocol for transmitting and receiving a full-text (or data), the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is the financial transaction (or electronic payment) business type of each financial institution and the According to the characteristics of the platform constituting the financial system 145 can be defined and used in various ways, the specific financial system 145 Adopted by which the present invention is not limited by the transaction protocol (and / or a specialized structure that corresponds to the transaction protocol).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 710 receives at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task using the virtual account of the customer (child) from the game server 155 through the interface unit 705. Characterized in that it receives a full message, and based on the full text structure to read the received full text, and extracts the information of at least one director corresponding to each financial transaction (or electronic payment) business from the read text Characterized in that.

According to another exemplary embodiment of the present invention, the information receiving unit 710 receives a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) from the game server 155 through the interface unit 705. Receiving traffic data including at least one information corresponding to a task, and extracting at least one information corresponding to each financial transaction (or electronic payment) task by reading a header of the traffic data. It is possible, and the invention is not limited thereby.

According to the present invention, a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) can be made on the game server 155 (or a server trading predetermined game items). Item), including a related financial transaction (or electronic payment).

The information checking unit 715 receives the predetermined financial transaction (or electronic payment) business information using the virtual account of the customer (child) through the information receiving unit 710, the financial transaction (or electronic payment). Check the parent account (parent security game account) information of the virtual account information (or virtual account number) of the customer (child) included in the work information, and associated with the confirmed mother account shown in Figure 14a, 17a or As shown in Figure 20a, it is characterized by checking the account operating condition information stored in the ledger D / B (150).

The information extracting unit 720, when the mother account (parent security game account) associated with the customer (child) virtual account and the account operation condition information associated with the mother account is confirmed through the information verification unit 715, It is characterized in that the extracted account operation condition information is extracted and transmitted to the information determination unit 725.

The information determining unit 725 may determine whether to process the electronic payment using the customer (child) virtual account with reference to the extracted account operation condition information.

According to an exemplary embodiment of the present invention, in the account operation condition information, the parent security game account opening customer (parent) can not settle a specific game server 155 (game site, unique IP address, etc.) and / or game type. If set, the customer (child) is connected to the non-payable specific game server 155 (game site) set by the parent secure game account opening customer (parent) and / or electronically associated with the game corresponding to the game type. When requesting a payment, payment of the customer (child) virtual account is restricted.

The transfer processing unit 740 periodically queries the account operation condition information associated with at least one parent safe game account information and the parent safe account information stored in the ledger D / B 150 in accordance with the present invention, the inquiry In the process, if the automatic transfer condition included in the account operation condition information is met, at least one virtual account generated from the parent safe game account as the parent account from the parent safe game account according to the automatic transfer condition It is characterized by processing the transfer amount transfer.

According to an exemplary embodiment of the present invention, when the automatic transfer condition information included in the account operation condition information associated with the predetermined parent safe game account information is 30 days each month and the set virtual account limit amount is 100,000 won, the transfer processing unit ( 740, the balance of the virtual account generated by using the parent security game account and the parent security game account as a parent account on the 30th every month, and transfers a predetermined amount from the parent security game account to the virtual account. .

For example, the amount transferred is preferably not exceeding the set virtual account limit amount, including the balance of the virtual account.

The information transmission unit 735, when the transfer processing details occur through the transfer processing unit 740, and transfers the generated transfer processing details to the parent safe game account opening and registration customer (parent) communication means. Characterized in that.

When the payment processing unit 730 determines that the electronic payment using the customer (child) virtual account is possible, based on the extracted account operation condition information, the determination result of the information determination unit 725, the ledger Inquiries the account ledger of the game server 155 from the D / B 150 to check the game company account information that the payment amount is to be deposited, withdraw the payment amount from the virtual account to the confirmed game company account It is characterized in that the transfer process.

8 is a diagram illustrating a process of operating a ledger-based parent safe game account according to an embodiment of the present invention.

In more detail, FIG. 8 shows the parent according to the account operation condition information associated with the ledger-based parental security game account in the account management server 700 provided on the ledger-based parental security game account management system shown in FIG. Regarding the implementation method of operating a safe game account, those of ordinary skill in the art to which the present invention belongs, the account operation condition information in the account management server 700 by referring to and / or modified in this figure 8 According to the present invention can be inferred from various implementation methods for operating the parent safe game account, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

Referring to FIG. 8, the account management server 700 periodically monitors parental security game account information and account operation condition information stored in the ledger D / B 150 shown in FIG. 14a, 17a, or 20a below. (800).

Through the monitoring process, the account management server 700 determines whether or not the parent safe game account operation according to the account operation condition information (805), the determination result, automatic transfer (virtual) included in the account operation condition information When the date of arrival of the automatic payment to the account, etc., is determined that the operation of the parent security game account is necessary (810), first, the virtual account information including the parent security game account as the parent account is checked (815).

In addition, the account management server 700 confirms the amount of money to be transferred to the confirmed virtual account by checking the automatic transfer limit condition and / or the virtual account balance limit condition included in the account operation condition information (820). ).

When the amount of money information to be transferred to the virtual account is confirmed, the account management server 700 transfers the confirmed transfer amount to the virtual account (825), and the transfer processing details of the parent secure game account opening customer ( Parent) to transmit to the communication means to notify (830).

FIG. 9 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to another embodiment of the present invention.

In more detail, FIG. 9 shows the parent according to the account operation condition information associated with the ledger-based parental security game account in the account management server 700 provided on the ledger-based parental security game account management system shown in FIG. The present invention relates to a method of operating a virtual account generated by using a secure game account as a parent account, and in particular, when a payment processing request is made using a virtual account of the customer (child), opening and registering a parent account (parent secure game account) of the virtual account. The customer (parent) obtains a predetermined consent for the use of the virtual account of the customer (child), characterized in that the virtual account payment processing of the customer (child) is performed according to the consent of the customer (parent).

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 9 to generate the parental security game account as the parent account in accordance with the account operation condition information in the account management server 700. Various implementation methods for operating the virtual account can be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, a customer (child) terminal accesses a predetermined game server 155 (900) and a predetermined electronic payment (eg, game use, game item use) through the connected game server 155. After the request for electronic payment, etc.) (905), the customer's (child) terminal to the game server 155, the parent secure game account according to the present invention to be used as a payment means of the electronic payment processing mother account It provides the virtual account information generated by (910).

Then, the game server 155 generates payment information including the virtual account information and transmits it to the account management server 700 shown in FIG. 7 (1815), and the account management server 700 is the game. The parent account (parent security game account) information associated with the virtual account information transmitted from the server 155 is confirmed from the ledger D / B 150 (920).

In addition, the account management server 700, the ledger D / B (150) shown in Figure 14a, Figure 17a or Figure 20a of the account operation condition information stored in association with the confirmed parent account (parent security game account) information In step 930, it is determined whether the virtual account can be settled with reference to the extracted account operation condition information (930).

According to the implementation method of the present invention, the determination of whether the virtual account can be settled includes the unique information (eg, IP address, domain name, etc.) of the connected game server 155 and / or the game type (eg, game Korean). / English name, etc.) to determine whether the virtual account can not use the game server 155 and / or the type of game set in the account operation condition information, and / or the amount to be paid to the virtual account is the account operation And determining whether the payment amount limit set in the condition information is exceeded, and / or determining whether the payment request time corresponds to the payment available time set in the account operation condition information.

As a result of the determination, when it is determined that payment using the virtual account is possible (935), the account management server 700 opens and registers the parent account (parent safe game account) from the confirmed parent account (parent safe game account) information. Check the customer (parent) communication means (eg, e-mail, mobile phone number, etc.) information (940), and the customer (child) to the confirmed customer (parent) communication means (eg, e-mail, mobile phone number, etc.) The payment consent request message for the virtual account payment request is transmitted (945).

Thereafter, a response message corresponding to the payment consent request message for the transmitted virtual account payment request is received from the customer (parent) communication means, and the received response message receives the virtual account payment consent information of the customer (child). If it is included (950), the account management server 700 withdraws the payment request amount included in the payment information from the virtual account to perform payment processing (955), and the account management server 700 the payment processing The details are transmitted to the parent secure game account opening customer (parent) communication means (960).

On the other hand, when the response message received in response to the payment consent request message for the virtual account payment request transmitted from the customer (parent) communication means includes information that does not agree to the virtual account payment of the customer (child) The account management server 700 transmits a virtual account settlement impossibility message of the customer (child) to the game server 155, and the game server 155 transmits the virtual account settlement inability to the game server 155. (Child) is transmitted to the terminal (970).

10 is a diagram illustrating a ledger-based parental safe game account management system according to another embodiment of the present invention.

In more detail, Figure 10 is a view of at least one virtual account of the parent (reliable) game account and the parent safe game account after the customer (parent) open and register the ledger-based parental security game account according to the present invention As an embodiment of the ledger-based parental security game account management system that operates in accordance with the account operating conditions according to the invention, in particular, the ledger-based parental security game account management system when the payment processing request using a virtual account of the customer (child) And obtaining a predetermined consent for the use of the virtual account of the customer (child) from the opening of the parent account (parent safe game account) of the virtual account and registering the customer (parent), and in accordance with the consent of the customer (parent) Virtual account payment processing is performed, and if the person of ordinary skill in the art to which the present invention belongs By referring to and / or modifying page 10, the system configuration for the ledger-based parental security game account management system according to the present invention may be inferred, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited by the implementation method shown.

The ledger-based parent safe game account management system is a predetermined connection that is connected to the customer (child) terminal and the customer terminal registered as a user of at least one virtual account created using the parent safe game account as a parent account through a predetermined network means And the game server 155, the account management server 1000 that operates in conjunction with the game server 155 at least one virtual account generated by the parent safe game account and the parent safe game account as a parent account, And a ledger D / B 150 in which ledger information corresponding to the opened parental security game account is stored.

Those skilled in the art to which the present invention pertains, The financial system 145 provided in the financial institution according to the intention of those skilled in the art, the account management server 1000 and the ledger D / B shown in FIG. It will be apparent that any online banking server (e.g., an Internet banking server, a wireless banking server, a home banking server, etc.) and / or a database for online banking may be linked to the financial system 145 outside of The account management server and / or ledger D / B 150 shown in FIG. 19 is merely one means for easily explaining the technical features of the present invention.

In addition, if those skilled in the art to which the present invention belongs, the account management server 1000 and the ledger D / B 150 shown in Figure 19 is provided in the financial institution according to the intention of those skilled in the art It may be a predetermined online payment server (for example, an Internet payment server, a wireless payment server, a home payment server, etc.) and / or a database for online payment that is connected to the financial system 145 outside the financial system 145. It will be clearly understood that the account management server and / or ledger D / B 150 shown in FIG. 19 is merely one means for easily describing the technical features of the present invention.

The customer (child) terminal is a terminal operated by a customer (child) registered to use at least one or more virtual accounts generated by using the ledger-based parent safe game account according to the present invention, a wired terminal and / or wireless terminal It includes, and is connected to a predetermined game server 155, characterized in that for processing a predetermined electronic payment using the virtual account.

Referring to FIG. 10, the financial system 145 illustrated in the ledger-based parental security game account management system opens at least one financial account to at least one or more customers, and processes a financial transaction based on the financial account. A computerized system provided to a predetermined financial institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch, processing headquarters, branch office information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), by connecting to the information system and the external computer network including the financial system and homes, businesses, stores and card companies. External exchanges that provide foreign exchange, call centers, financial settlements, etc.) and interfacing between components within the financial system. Interface module corresponding to the middleware platform that provides the leasing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing information, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks). And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment funding module (not shown), international module (not shown), The present invention is not limited by this.

According to the implementation method of the present invention, the financial institution equipped with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and It is characterized in that the predetermined account operation condition information required for operating at least one or more virtual accounts using the parent security game account as a parent account is stored in association.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. Account management server and a financial network or a predetermined communication network operating the parent security game account and the corresponding virtual account using predetermined account operation condition information required for operating at least one virtual account serving as a parent account. Characterized in that connected through.

The ledger D / B 150 is the parent reassuring game in the ledger information corresponding to the parent reassurance game account opened to the customer (parent) as shown in Figure 14b and / or 17b and / or 20b below At least one virtual account information generated using the account as a parent account, and the parent safe game account and account operation condition information for operating each virtual account is preferably stored.

Referring to FIG. 10, the illustrated account management server 1000 may include at least one virtual account generated using at least one or more game servers 155 and a ledger-based parent safe game account according to the present invention as a parent account through a predetermined communication network. An interface unit 1005 for connecting and managing a communication channel for processing electronic payment (eg, game fee, game item use (purchase fee), etc.) and the game server 155 through the interface unit 1005. Information receiving unit 1010 for receiving the predetermined virtual account information input (or selected) by the payment request customer (child), and virtual account information (and / or the virtual information received through the information receiving unit 1010). Information for confirming the mother account information of the virtual account and the account operation condition information associated with the virtual account information in connection with the ledger D / B 150 based on the virtual account number included in the account information). If the account 1015 and the account operation condition information for operating the virtual account is confirmed by the information confirming unit 1015, the account operation for operating the virtual account in connection with the ledger D / B (150) An information extraction unit 1020 for extracting condition information, an information determination unit 1025 for determining whether electronic payment using the virtual account is possible according to the account operation condition information corresponding to the extracted virtual account, and the determination result When the electronic payment using the virtual account is possible according to the account operation condition information, characterized in that it comprises a payment processing unit 1030 for performing the electronic payment processing using the virtual account of the customer (child).

According to an embodiment of the present invention, the account management server 1000 periodically queries the account operation condition information associated with the parent safe game account information and the parent safe account information, and included in the account operation condition information. If the debit conditions are met, the transfer processing unit 1040 and the transfer processing details for the transfer processing from the parent safe game account to the at least one virtual account created by using the parent safe game account as a parent account; It may be configured to further include an information transmitting unit 1035 for transmitting to the parental relief game account opening and registration customer (parent) communication means.

According to an embodiment of the present invention, the account management server 1000, when the electronic judgment using the virtual account according to the account operation condition information determined by the information determination unit 1025, the parent safe game account Sending a message requesting a predetermined consent to the settlement of the customer (child) by the established customer and the registered customer (parent) communication means, receiving a response message to the consent request message, the virtual account of the customer (child) Characterized in that it further comprises a customer approval unit 1045 for checking whether the customer (parent) consent for the payment.

The customer approval unit 1045 confirms whether the customer (parent) agrees to the payment of the virtual account of the customer (child), and transmits the confirmed customer (parent) approval information to the payment processing unit 1030. It features.

According to the exemplary embodiment of the present invention, the payment processing unit 1030 performs payment processing for the virtual account payment request of the customer (child) according to the customer (parent) approval information transmitted from the customer approval unit 1045. It is desirable to.

The interface unit 1005 of the account management server 1000 uses a customer (child) virtual account having at least one or more game servers 155 and a ledger-based parental security game account according to the present invention as a parent account through a predetermined communication network. A predetermined communication channel for processing electronic payment is connected, and the communication channel is maintained and managed.

The communication channel connected to and managed by the interface unit 1905 with at least one game server 155 may be a dedicated communication network between the financial system 145 and the at least one game server 155 provided in the financial institution. According to an embodiment of the present invention, a communication channel connected through at least one or more correspondences with at least one financial transaction (or electronic payment) service defined between the game server 155 and the account management server 1000. It is preferable to include a transaction protocol for transmitting and receiving a full-text (or data), the transaction protocol (and / or specialized structure corresponding to the transaction protocol) is the financial transaction (or electronic payment) business type of each financial institution and the The financial system 145 may be defined and used in various ways according to the platform characteristics, and the specific financial system 145 may be used. To which the present invention is not limited by the standing adopted Transaction Protocol (and / or a specialized structure that corresponds to the transaction protocol).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The information receiving unit 1010 receives at least one or more information corresponding to a predetermined financial transaction (or electronic payment) task using the virtual account of the customer (child) from the game server 155 through the interface unit 1005. Characterized in that it receives a full message, and based on the full text structure to read the received full text, and extracts the information of at least one director corresponding to each financial transaction (or electronic payment) business from the read text Characterized in that.

According to another exemplary embodiment of the present invention, the information receiving unit 1010 uses the virtual account of the customer (child) from the game server 155 through the interface unit 1005 (or electronic payment). Receiving traffic data including at least one information corresponding to a task, and extracting at least one information corresponding to each financial transaction (or electronic payment) task by reading a header of the traffic data. It is possible, and the invention is not limited thereby.

According to the present invention, a predetermined financial transaction (or electronic payment) using the virtual account of the customer (child) can be made on the game server 155 (or a server trading predetermined game items). Item), including a related financial transaction (or electronic payment).

When the information confirmation unit 1015 receives predetermined financial transaction (or electronic payment) business information using the virtual account of the customer (child) through the information receiving unit 1010, the financial transaction (or electronic payment) Check the parent account (parent security game account) information of the virtual account information (or virtual account number) of the customer (child) included in the work information, and linked to the virtual account shown in Figure 14b, Figure 17b or Figure It is characterized in that the account operation condition information stored in the ledger D / B (150) as shown in 20b.

According to an embodiment of the present invention, the account operation condition information is stored in the ledger D / B 150 to correspond to each virtual account information (or virtual account ledger information) associated with the parent safe game account ledger It features.

The information extraction unit 1020, when the mother account (parent security game account) associated with the customer (child) virtual account and the account operation condition information associated with the mother account is confirmed through the information verification unit 1015, Extracting the checked account operation condition information, and transmits it to the information determination unit 1025.

The information determining unit 1025 may determine whether to process electronic payment using the customer (child) virtual account with reference to the extracted account operation condition information.

According to an exemplary embodiment of the present invention, in the account operation condition information, the parent security game account opening customer (parent) can not settle a specific game server 155 (game site, unique IP address, etc.) and / or game type. If set, the customer (child) is connected to the non-payable specific game server 155 (game site) set by the parent secure game account opening customer (parent) and / or electronically associated with the game corresponding to the game type. When requesting a payment, payment of the customer (child) virtual account is restricted.

The transfer processing unit 1040 periodically inquires at least one or more parental relief game account information and account operating condition information associated with the parental relief account information stored in the ledger D / B 150 according to the present invention, the inquiry In the process, if the automatic transfer condition included in the account operation condition information is met, at least one virtual account generated from the parent safe game account as the parent account from the parent safe game account according to the automatic transfer condition It is characterized by processing the transfer amount transfer.

According to an exemplary embodiment of the present invention, when the automatic transfer condition information included in the account operation condition information associated with the predetermined parent safe game account information is 30 days each month and the set virtual account limit amount is 100,000 won, the transfer processing unit ( 1940, the balance of the virtual account generated by the parent security game account and the parent security game account as a parent account on the 30th every month, and transfers a predetermined amount from the parent security game account to the virtual account. .

For example, the amount transferred is preferably not exceeding the set virtual account limit amount, including the balance of the virtual account.

The information transmission unit 1035, when the transfer processing details occur through the transfer processing unit 1040, transfers the generated transfer processing details to the parent security game account opening and registration customer (parent) communication means Characterized in that.

When the payment processing unit 1030 determines that the electronic payment using the customer (child) virtual account is possible, based on the extracted account operating condition information, as a result of the determination by the information determining unit 1025, the ledger Inquiries the account ledger of the game server 155 from the D / B 150 to check the game company account information that the payment amount is to be deposited, withdraw the payment amount from the virtual account to the confirmed game company account It is characterized in that the transfer process.

11 is a diagram illustrating a process of operating a ledger-based parent safe game account according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates an account operating condition corresponding to a virtual account associated with the ledger-based parental security game account in the account management server 1000 provided on the ledger-based parental security game account management system shown in FIG. As a method for operating the parental security game account (parent account) according to the information, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modified the figure 11 and the account management server ( 1000 may be inferred from various implementation methods for operating the parent security game account according to the account operation condition information corresponding to the virtual account, the present invention includes all the inferred implementation method, as shown in FIG. It is not limited only to the implementation method shown.

Referring to FIG. 11, the parental game account information stored in the ledger D / B 150 shown in FIG. 14B, FIG. 17B or FIG. 20B in the account management server 1000 and the parental safe game account are used as parent accounts. Periodically monitoring the account operating condition information corresponding to the at least one virtual account (1100).

Through the monitoring process, the account management server 1000 determines whether or not to operate the parent safe game account according to the account operation condition information (1105), the determination result, automatic transfer included in the account operation condition information (virtual) When the date of arrival of the account, etc., arrives, and it is determined that the operation of the parental security game account is necessary (1110), the automatic transfer limit condition and / or the virtual account balance limit condition, etc. included in the account operation condition information are determined. In operation 1115, the amount information to be transferred to the confirmed virtual account is confirmed.

When the amount information to be transferred to the virtual account is confirmed, the account management server 1000 transfers the confirmed transfer amount to the virtual account (1120), and the transfer processing details of the parent secure game account opening customer ( Parent) to transmit to the communication means to notify (1125).

FIG. 12 is a diagram illustrating a virtual account operation process generated using a ledger-based parent safe game account as a parent account according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates an account operating condition corresponding to a virtual account associated with the ledger-based parental security game account in the account management server 1000 provided on the ledger-based parental security game account management system shown in FIG. A method of operating the virtual account generated by using the parent security game account as a parent account according to the information, in particular, the ledger-based parent security game account management system when the payment processing request using a virtual account of the customer (child) And obtaining a predetermined consent for the use of the virtual account of the customer (child) from the opening of the parent account (parent safe game account) of the virtual account and registering the customer (parent), and in accordance with the consent of the customer (parent) Virtual account settlement process is performed.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to generate the parental security game account as the parent account in accordance with the account operation condition information in the account management server 1000. Various implementation methods for operating the virtual account can be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12, a customer (child) terminal accesses a predetermined game server 155 (1200), and through the connected game server 155, a predetermined electronic payment (for example, game use, game item use ( After requesting electronic payment, etc.) required for purchase) (1205), the parent secure game account according to the present invention to be used as a payment method of the electronic payment processing from the customer (child) terminal to the game server 155. In operation 1210, the virtual account information generated as provided is provided.

Then, the game server 155 generates payment information including the virtual account information and transmits it to the account management server 1000 shown in FIG. 10 (1215), wherein the account management server is the game server 155. In step 1220, the mother account (parent security game account) information and the account operation condition information associated with the virtual account information transmitted from the general account are checked from the ledger D / B 150.

In addition, the account management server 1000 extracts the account operation condition information stored in association with the confirmed virtual account information from the ledger D / B 150 shown in FIGS. 14B, 17B, or 20B (1225). In operation 1230, it is determined whether the virtual account can be settled with reference to the extracted account operation condition information.

According to the implementation method of the present invention, the determination of whether the virtual account can be settled includes the unique information (eg, IP address, domain name, etc.) of the connected game server 155 and / or the game type (eg, game Korean). / English name, etc.) to determine whether the virtual account can not use the game server 155 and / or the type of game set in the account operation condition information, and / or the amount to be paid to the virtual account is the account operation And determining whether the payment amount limit set in the condition information is exceeded, and / or determining whether the payment request time corresponds to the payment available time set in the account operation condition information.

As a result of the determination, if it is determined that payment using the virtual account is possible (1235), the account management server 1000 opens and registers the parent account (parent safe game account) from the confirmed parent account (parent safe game account) information. Check the customer (parent) communication means (eg, e-mail, mobile phone number, etc.) information (1240), and the confirmed customer (parent) communication means (eg, e-mail, mobile phone number, etc.) of the customer (child) The payment consent request message for the virtual account payment request is transmitted (1245).

Thereafter, a response message corresponding to the payment consent request message for the transmitted virtual account payment request is received from the customer (parent) communication means, and the received response message receives the virtual account payment consent information of the customer (child). If it is included (1250), the account management server withdraws the payment request amount included in the payment information from the virtual account to perform the payment processing (1255), the account management server the payment processing details of the parent safe game The account opening is transmitted to the customer (parent) communication means (1260).

On the other hand, when the response message received in response to the payment consent request message for the virtual account payment request transmitted from the customer (parent) communication means includes information that does not agree to the virtual account payment of the customer (child) The account management server transmits a virtual account settlement impossibility message of the customer (child) to the game server 155 (1265), and the game server 155 records the payment details of the virtual account settlement disability for the customer (child). Transmission to the terminal (1270).

In the following embodiment, the parent safe game account and the parent safe game account according to the present invention is generated using the parent safe game account management system shown in the drawings 1, 4, 7 or 10 as a parent account In order to operate at least one or more virtual accounts, an embodiment illustrating a process of opening and registering a ledger-based parental security game account.

13 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to an embodiment of the present invention.

In more detail, Figure 13 shows the opening of a parent security game account and / or a cash card and / or a debit card associated with the parent security game account to a customer (parent) visiting each branch of a financial institution. Or when issuing a financial means (or payment means) including at least one of a credit card and / or a check card and / or an electronic bank account and / or electronic money, as in any one or more of the following figures 14a and / or 14b. Ledger-based parental reassurance bank account establishment and information registration system constituting the ledger information, if the person of ordinary skill in the technical field to which the present invention belongs, refer to and / or modify this figure 13 to the customer (parent) Opening a parental security game account, and / or a cash and / or debit card and / or credit card and / or check card and / or electronic account associated with the parental security game account and When issuing a financial means (or payment means) including at least one or more electronic money, it is possible to infer various system configurations for opening a parental security game account according to the present invention and processing information registration thereof. The invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 13, the financial system 145 shown in the ledger-based parental security game account opening and information registration system opens at least one financial account to at least one or more customers, and finances based on the financial account. A computer system provided to a predetermined financial institution to process a transaction, comprising: an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch, a headquarters business, a branch office information support, and a customer It is connected to an information system that processes information management, and the electronic system including the financial system and homes, businesses, stores and card companies, and various electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic) External systems that provide Teller Machines, other services, call centers, financial settlements, etc. An interface module corresponding to a middleware platform providing small-to-interface interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. It includes a DBMS (Database Management System) including at least one database for storing and managing management information, etc., and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Thereby, this invention is not limited.

According to the implementation method of the present invention, the financial institution provided with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and Ledger D / B including the account operating condition information, characterized in that the predetermined account operating condition information required to operate at least one virtual account using the parental game account as a parent account is stored in association with each other. ) Will be described in more detail with reference to Figures 14a and 14b below.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. And an information registration server 1300 that performs registration of predetermined account operation condition information required to operate at least one virtual account serving as a parent account through a financial network or a predetermined communication network.

Here, the information registration server 1300 is characterized in that the window terminal or CD / ATM (for example, interlocked with the unmanned terminal provided in the branch of the financial institution (and / or place affiliated with the financial institution).

Hereinafter, in connection with the teller terminal on the financial system 145 to process the establishment and information registration of the ledger-based parental security game account according to the present invention and / or through the customer wired and wireless terminal, the parental security game account and the parental security A server (or device) for receiving and processing predetermined account operation condition information required for operating at least one virtual account having a game account as a parent account is referred to as an "information registration server" for convenience.

According to FIG. 13, a system for opening and registering information on the ledger-based parental security game account is provided at each branch of the financial institution, and is used by a teller terminal used by a teller at the branch, through the teller terminal and a predetermined financial network. Ledger information corresponding to the information registration server connected to and provided on the financial system 145 of the financial institution and / or interworking with the financial system 145, and the parent security game account opened to the customer (parent) Ledger D / B 150 is stored is made.

The counter terminal provides predetermined customer (parent) information, predetermined parental secure game account opening application information, and predetermined account operation condition information from the customer (parent) for opening of the ledger-based parental security game account according to the present invention. Receiving and transmitting the customer information and the parental security game account opening application information and / or account operation condition information to the information registration server 1300 through the financial network. The information may be based on the account ledger corresponding to the parent reassuring game account opened to the customer when the ledger-based parent reassuring game account is opened to the customer (parent) according to a predetermined parent reassuring game account opening procedure. At least one virtual account information having the parent secure game account to be stored in association with the ledger; It is preferable that information for operating the parent security game account and / or the at least one virtual account is included.

According to an exemplary embodiment of the present invention, the customer (parent) corresponds to a predetermined parent security game account opening application (for example, a customer information item and a parent security game account opening application information item and a parent security game account opening application information item). It is desirable to provide the customer information and the application for opening a secure game account for parents to the teller terminal by filling out an application with a form) and submitting the application for opening the parental relief game account to the teller.

Here, the customer (parent) has a predetermined information input device associated with the teller terminal (for example, a predetermined screen output device, the information input interface screen including a customer information input item and parental security game account open request information input item) And outputs the customer information and the parent secure game account opening application information through a predetermined key input device through a terminal provided to the window terminal for inputting predetermined information into an information input item corresponding to the information input interface. It is possible to provide input to the window terminal, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the provision of the account operating condition information does not necessarily need to be performed through the window terminal, but may be performed through the wired terminal or the wireless terminal of the customer.

For example, as described above, in the process of opening a parent safe game account through the counter terminal, the account operation condition information may be registered, but the present invention is not limited thereto. After this, the account operating condition information may be provided through the wired terminal or the wireless terminal of the customer.

In this case, when correction or change of the pre-registered account operating condition information is required, the customer (parent) may be provided with a more convenient information registration interface even if the customer (parent) does not visit the window directly. The embodiments thereof will be described in more detail below.

In addition, in order to provide account operation condition information associated with the parent security game account through the wired terminal or the wireless terminal of the customer, a predetermined for authenticating that the customer (parent) is the customer who opened the parent security game account. It is obvious that the means of authentication (eg, accredited certificates, etc.) may be required.

Referring to FIG. 13, an information registration server 1300 provided in the financial system 145 or in association with the financial system 145 to perform opening and information registration processing of a parent security game account of the customer (parent). ) Is an interface unit 1305 for connecting and managing communication channels for receiving at least one or more counter terminals (and / or customer terminals) and parent secure game account application information and opening a secure parent game account through a predetermined financial network; When the window terminal that performs the role of the information registration terminal is connected to the information registration server 1300 through the interface unit 1305, in conjunction with the interface unit 1305 to open the parent safe game account at the window terminal Enter (or select) the parent reassuring game account opening application information including application customer (parent) information and predetermined account operation information corresponding to the parent reassuring game account. An interface providing unit 1310 for generating (or extracting) a predetermined information input (or selection) interface to be transmitted to a window terminal serving as the information registration terminal, and the interface unit 1305; An information receiving unit 1315 for receiving predetermined customer information, parental assured game account opening application information, and predetermined account operation condition information from the counter terminal, and the received customer information and parental assured game account opening application information and account; An information generation unit 1320 for generating at least one ledger information corresponding to the parent-safe game account opened to the customer based on the operation condition information, and the at least one ledger information generated by the ledger D / B (150); Information storage unit 1325 to be stored.

The interface unit 1305 may open at least one window terminal provided at at least one or more branches operated by the financial institution through a predetermined financial network (eg, a branch network) and open a ledger-based parental security game account according to the present invention. It is characterized in that for connecting a predetermined communication channel for maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 1305 with at least one window terminal is a communication channel connected between the financial system 145 provided at the financial institution and at least one window terminal through a dedicated communication network. According to one embodiment of the invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more full text corresponding to at least one or more financial services defined between the teller terminal and the information registration server 1300, The transaction protocol (and / or the specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics constituting the financial system 145, and the specific financial system 145 Corresponds to the transaction protocol (and / or transaction protocol) adopted by To which the present invention is not limited by the specialized structure).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The interface providing unit 1310 may include a function provided in the connected window terminal when the window terminal serving as a predetermined information registration terminal connects to the information registration server 1300 through the interface unit 1305. In response to the configuration, the parental security game account opening application information and the account operating condition information according to the present invention are input (or selected), and the predetermined information input (or can be transmitted to the information registration server 1300 through a predetermined network means). Selection) to generate an interface, and / or to extract from a predetermined database (not shown), and to interface with the interface unit 1305 to generate the generated (or extracted) information input (or selection) interface through the network means. Characterized in that provided to the teller terminal.

According to an embodiment of the present invention, the teller terminal inputs (or selects) the parent secure game account opening application information and account operation condition information based on the information input (or selection) interface, and inputs (or selects) the information. The parent security game account opening application information and account operation condition information are transmitted to the information registration server through the network means.

For example, when the window terminal serving as the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 1310 may include the window terminal and / or Generates (or extracts) a predetermined information input (or selection) interface that can be provided by a financial transaction related program included in a financial automation device (not shown), and the generated (or extracted) information through the interface unit 1305. It is desirable to provide an input (or selection) interface to the teller terminal and / or the automated teller machine (not shown).

The information receiving unit 1315 receives parental security game account opening application information and predetermined account operation condition information from the teller terminal in cooperation with the interface unit 1305 to the information generating unit 1320. It is characterized by transmitting.

The information generation unit 1320 refers to the customer information, parent reassuring game account opening application information and account operation condition information received through the information receiving unit 1315, and the customer information and parent reassuring game account opening application information and Parental security game account ledger information including the account operating condition information, characterized in that for generating.

At this time, if the customer (parent) is the first account opening customer in a financial institution equipped with the financial system 145, the information generation unit 1320, before generating the parent security game account ledger information, the customer It is desirable to create a customer ledger.

Here, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. In accordance with the present invention, the parental security game account ledger is preferably stored in the ledger D / B 150 in association with the customer ledger.

According to another embodiment of the present invention, if the customer (parent) is not the first account opening customer in a financial institution equipped with the financial system 145 (for example, the customer other than the parent security game account according to the present invention) In the case of a customer who has already opened an account), the information generating unit 1320 checks the pre-stored and stored customer ledger information corresponding to the customer information received through the information receiving unit 1315, and generates separate customer ledger information. Parental security game account ledger information to be stored in association with the customer ledger is generated without a process.

According to the present invention, the information generating unit 1320 may be configured to generate at least one virtual account information which is operated according to the account operation condition information using the parent safe game account as a parent account.

According to the present invention, the generated virtual account is in the process of the child of the customer (parent) performs a predetermined payment process according to the use of a predetermined game site and / or a predetermined game use and / or a predetermined game item purchase It is used as a payment means, characterized in that it is operated according to the account operation condition information.

According to the present invention, the account operation condition information, at least one or more games using a customer (parent) requesting the establishment of the parent security game account to use at least one virtual account generated by using the parent security game account as a parent account And at least one or more target customer (child) information, payment limit information for each game company (or game type), payment time information, monthly automatic transfer limit information, account usage period information, and the like.

The information storage unit 1325 may include parent reassuring game account ledger information of the customer (parent) generated through the information generation unit 1320 and at least one virtual account information having the parent reassuring game account as a parent account ( Or virtual account ledger information), and the parent safe game account and account operation condition information for operating the virtual account are stored / registered in the ledger D / B 150.

According to an exemplary embodiment of the present invention, the information storage unit 1325 may include parental security game account ledger information of a customer (parent) generated through the information generation unit 1320 and the parental security game account as a parent account. In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent security game of the ledger D / B 150 The account ledger may store and link the predetermined account operation condition information provided by the customer and the parent safe game account as a parent account, and store at least one virtual account information operated in accordance with the account operation condition information. .

According to another exemplary embodiment of the present invention, the information storage unit 1325 includes parent reassuring game account ledger information of the customer (parent) generated through the information generation unit 1320 and the parent reassuring game account as the parent account. In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent of the ledger D / B (150) At least one virtual account information having the parent safe game account as a parent account may be stored in a game account ledger, and account operation condition information associated with each of the stored virtual account information may be stored.

14A and 14B illustrate the structure of ledger information including parent safe game account related information according to one embodiment of the present invention.

In more detail, Figures 14a and 14b correspond to a parental security game account opened to the customer when the ledger-based parental security game account according to the present invention is opened to the customer according to a predetermined parental security game account opening procedure. Linking at least one virtual account information having the parent secure game account as a parent account and predetermined account operation condition information for operating the at least one parent secure game account and / or the at least one virtual account to an account ledger (or receiving ledger); Or it illustrates the ledger information configuration that includes.

More specifically, Figure 14a is linked to the predetermined account operating condition information provided by the customer to the parent responsible game account ledger of the ledger D / B 150 in the process of opening / registering the parent security game account according to the present invention It is stored and, the parent safe game account as a parent account, and at least one virtual account information that is operated in accordance with the account operating condition information is stored in association with the implementation method, Figure 14b is to open / In the registration process, at least one virtual account information having the parent safe game account as a parent account is stored in the parent safe game account ledger of the ledger D / B 150 in association with each of the virtual account information. It relates to an implementation method in which the account operation condition information is stored.

14A and 14B, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one information associated with the account ledger. For those skilled in the art, the ledger D / B 150 provided in the DBMS on the financial system 145 includes at least one ledger (eg, a customer ledger and an account ledger). And / or at least one additional information for maintaining and managing the ledgers and / or the specific technical matters therefor. Detailed description thereof will be omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains, parental reassurance according to the present invention by referring to and / or modifying the drawings 14a and 14b without departing from the essential technical matters of the present invention. Predetermined information (e.g., account operating condition information, virtual account information using the parent secure game account as a parent account), etc., required in the process of opening / registering a game account is linked to the parent secure game account ledger (or reception ledger). Although various embodiments of the present invention may be inferred, the present invention includes all of the inferred implementation methods, and the present invention is not limited to the implementation methods illustrated in FIGS. 14A and 14B.

14A and 14B, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional classification code, a telephone number, a business number, and a business name. , Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 14A, predetermined account operation condition information provided by the customer (parent) is provided to the parent secure game account ledger of the ledger D / B 150 during the opening / registration process of the parent safe game account according to the present invention. It is stored in association, the parent safe game account as a parent account, characterized in that at least one or more virtual account information that is operated in accordance with the account operation condition information is stored in association.

According to an embodiment of the present invention, the account operation condition information stored in association with the parent responsible game ledger of the ledger D / B 150, the customer (parent) to request the establishment of the parent security game account said At least one customer (child) using the at least one virtual account created using the parent security game account as a parent account, information on the payment limit for each game company (or game type), payment time information, monthly At least one or more of the debit limit information, account usage period information, and the like.

The payment limit information for each game company (or game type) is determined by using a virtual account generated by using a parent secure game account as a mother account by accessing a specific game company site to a specific game company site. Limit information on the amount of payment available in the process of payment processing and the predetermined amount of payment that may occur in the process of using the specific game by the customer (child) to use the game as a parent account account When the payment is to be made through the generated virtual account, it is characterized in that it comprises the payment amount information limit.

According to the implementation method of the present invention, the customer (parent) determines the harmfulness, sensibility, violence, meandering, etc. according to the game company or the type of game without blindly blocking the game use of the customer (child) to use the game, You can select or specify a payment limit amount.

For example, a game company or a game that is concerned about harmfulness, sensibility, violence, and mediocreity may set a small payment limit amount, and in an educational or sound game, a higher payment limit amount may be set. Indiscriminate payments can be prevented.

The payment available time information may include time information (eg, 12: 12) where the game target customer (child) can access a specific game company site and use a virtual account generated by using the parent safe game account as a mother account. 00 ~ 21: 00, etc.) and / or time information for using the virtual account as a payment means for a predetermined payment action that can be issued in the process of using a specific game.

According to the implementation method of the present invention, by setting the virtual account use time (which may be the game use time in the present invention) of the game use customer (child) in accordance with the academic or other schedule of the game use customer (child) In addition, it is possible to allow the use of the game (using a virtual account) within a range that does not interfere with the academic or other schedule of the game target customer (child).

The monthly debit limit information is a monthly amount of the amount to be automatically debited from at least one virtual account to be used by the target customer (child) using the parent secure game account from the parent security game account of the customer (parent) It is characterized by including a limit.

According to the exemplary embodiment of the present invention, the monthly automatic debit limit information may be uniformly set in at least one or more virtual accounts having the parent safe game account as a parent account or set for each virtual account.

The account usage period information may include, for example, account usage period information of at least one or more virtual accounts to be used by the game target customer (child) using the parent security game account as a parent account from the parent security game account of the customer (parent). 1 month, 3 months, and the like).

More specifically, Figure 14b is at least one virtual at least one of the parent safe game account in the parent safe game account ledger of the ledger D / B 150 in the process of opening / registering a parent safe game account in accordance with the present invention The account information is stored in association with each other, and the account operating condition information for operating each virtual account is stored in association with the virtual account information.

In this case, the virtual account is characterized in that it is operated by the corresponding account operating condition information.

15 is a view showing the ledger-based parental relief game account opening information and associated registration process according to an embodiment of the present invention.

In more detail, Figure 15 illustrates a process of opening and registering a ledger-based parental security game account according to the present invention, using the parental security game account opening application information and account operation condition information, the technical field to which the present invention belongs If one of ordinary skill in the art, it will be able to infer various implementation methods for opening and registering the ledger-based parental security game account according to the present invention by referring to and / or modifying this figure 15, the present invention is inferred It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 15, the customer (parent) who wants to open a parent security game account in accordance with the present invention by filling out a predetermined parent security game account opening application form to the counter staff, the customer information and the parent security game account application information And providing the account operating condition information to the teller terminal, and / or inputting the customer information, the parental security game account opening application information, and the account operating condition information through a predetermined information input device connected to the teller terminal. Provided by (1500).

The teller terminal provided with the customer information, the parental secure game account opening application information, and the account operating condition information provides the customer information, the parental secure game account opening application information, and the account operating condition information through a predetermined financial network in FIG. It transmits to the illustrated information registration server 1300 (1505).

According to an embodiment of the present invention, the information registration server 1300 transmits a predetermined information input (or selection) interface for opening the parental security game account to the counter terminal, and inputs the information transmitted to the counter terminal. Customer information provided from the customer (parent), parent secure game account opening application information, and account operation condition information are input (or selected) through the interface (or selection) and are transmitted to the information registration server 1300.

At this time, the information registration server 1300, which has received customer information, parental security game account opening application information, and account operation condition information from the teller terminal, firstly the customer (parent) is provided with the information registration server 1300. If the customer opens an account at a financial institution for the first time (for example, a customer who has an account previously opened at the financial institution before opening the parent security game account, etc.) (1510), the information registration server 1300 is the parent security game. The customer ledger information corresponding to the account opening request customer is generated (1515).

On the other hand, if it is determined that the customer (parent) is a customer owning another account already opened in the financial institution, the customer ledger information generation process may be omitted.

If the customer ledger information corresponding to the parent security game account opening request customer is generated or already exists, the information registration server 1300 is the customer information received from the window terminal and parent security game account opening application information and account management At least one ledger information (eg, at least one account ledger for opening a financial account and the ledger (or each ledger) as necessary for opening a financial security game account to the customer based on the condition information) Generate at least one additional information associated with the information (1520).

When the ledger information is successfully generated, the information registration server 1300 connects the generated ledger information and the account operating condition information to the ledger D / B (e.g., provided in the financial system 145 shown in FIG. 13). 150, the parent security game account opening / registration information is transmitted to the teller terminal and / or the customer communication means (1530).

16 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to another embodiment of the present invention.

In more detail, Figure 16 shows the opening of a parent security game account and / or a cash card and / or a debit card associated with the parent security game account to a customer (parent) who visited each branch of a financial institution. Or when issuing a financial means (or payment means) including at least one of a credit card and / or a check card and / or an electronic bank account and / or electronic money, as in any one or more of the following drawings 17a and / or 17b. An embodiment of a ledger-based parental reassurance account establishment and information registration system for configuring ledger information, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 16 Opening a parent secure game account to the customer (parent), and / or a cash and / or debit card and / or credit card and / or check card associated with the parent secure game account And / or when a financial means (or payment means) issuing at least one electronic bank account and / or electronic money issuing, infers various system configurations for opening a parental security game account according to the present invention and processing information registration therefor. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 16, the financial system 145 shown in the ledger-based parental security game account opening and information registration system opens at least one financial account to at least one or more customers, and finances based on the financial account. A computer system provided to a predetermined financial institution to process a transaction, comprising: an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch, a headquarters business, a branch office information support, and a customer It is connected to an information system that processes information management, and the electronic system including the financial system and homes, businesses, stores and card companies, and various electronic financial services (e.g., Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic) External systems that provide Teller Machines, other services, call centers, financial settlements, etc. An interface module corresponding to a middleware platform providing small-to-interface interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or) required for each function in a component in the financial system. It includes a DBMS (Database Management System) including at least one database for storing and managing management information, etc., and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) And according to the purpose and characteristics of the financial system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Thereby, this invention is not limited.

According to the implementation method of the present invention, the financial institution provided with the financial system 145 includes all financial companies, such as commercial banks, savings banks, securities companies, etc., which may open and / or operate the ledger-based parental security game account. It is desirable to make, but not limited to, specific financial institutions.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, after the customer (parent) in the ledger D / B (150) of the financial system 145 open the parental security game account according to the present invention, the opened parental security game account and the Ledger D / B (150) including the account operation condition information, characterized in that for storing the account operation condition information required for operating at least one virtual account with a parent security game account as a parent account; A more detailed description of the structure will be described with reference to FIGS. 17A and 17B below.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. And an information registration server 1600 that registers predetermined account operation condition information required for operating at least one virtual account serving as a mother account through a financial network or a predetermined communication network.

In addition, according to the embodiment of the present invention, the information registration server 1600 is provided with the application information for opening the parental security game account according to the present invention through a predetermined window terminal, and also in conjunction with the predetermined server 1630 The server 1630 may be provided with predetermined account operation condition information required for operating the parent safe game account and at least one virtual account having the parent safe game account as a parent account.

Here, the server 1630 is a predetermined wired terminal (for example, a personal computer, a laptop, etc. used by the customer), and / or a wireless terminal (for example, a Code Division Multiple Access (CDMA) based cellular phone used by the customer, IEEE 802.16x) Based mobile Internet terminal, etc.) and at least one virtual account connected to the parent secure game account and the parent secure game account through the customer wired terminal and / or wireless terminal. Receives (or selects) predetermined account operation condition information required for the purpose, and operates the at least one virtual account having the parent (reliable) game account and the parent reassuring game account as the parent account. It is characterized by providing the account operating condition information to the information registration server 1600.

Hereinafter, in connection with the teller terminal on the financial system 145, the establishment of the ledger-based parental security game account and information registration in accordance with the present invention and / or the parental security game account through a server linked to the customer wired and wireless terminal And a server (or device) for receiving and processing predetermined account operation condition information required for operating at least one virtual account having the parental security game account as a parent account, for convenience.

According to FIG. 16, a system for opening and registering the ledger-based parental security game account is provided at each branch of the financial institution, and is used by a teller terminal used by a teller at the branch, through the teller terminal and a predetermined financial network. Ledger information corresponding to the information registration server connected to and / or provided on the financial system 145 of the financial institution and / or interworking with the financial system 145, and the parent security game account opened to the customer (parent) Ledger D / B 150 is stored.

The teller terminal receives predetermined customer (parent) information and predetermined parent relieved game account opening application information from the customer (parent) for opening of a ledger-based parent safe game account according to the present invention, the customer information and the parent It is characterized in that it comprises a function of transmitting the application information for opening a secure game account to the information registration server 1600 through the financial network.

According to an exemplary embodiment of the present invention, the customer (parent) corresponds to a predetermined parent security game account opening application (for example, a customer information item and a parent security game account opening application information item and a parent security game account opening application information item). It is preferable to provide the customer information and the parental security game account opening application information to the teller terminal by filling out an application having a form) and submitting the application for opening the parental security game account to the counter staff.

Here, the customer (parent) has a predetermined information input device associated with the teller terminal (for example, a predetermined screen output device, the information input interface screen including a customer information input item and parental security game account open request information input item) And outputs the customer information and the parent secure game account opening application information through a predetermined key input device through a terminal provided to the window terminal for inputting predetermined information into an information input item corresponding to the information input interface. It is possible to provide input to the window terminal, whereby the present invention is not limited.

Referring to FIG. 16, an information registration server 1600 provided in the financial system 145 or linked with the financial system 145 to open a parent safe game account of the customer (parent) and process information registration. ) Is an interface unit 1605 that connects and manages at least one or more window terminals (and / or customer terminals) and parent secure game account application information and a communication channel for opening a parent safe game account through a predetermined financial network; When the window terminal that performs the role of the information registration terminal is connected to the information registration server 1600 through the interface unit 1605, the parent terminal secure game account opened in the window terminal in conjunction with the interface unit 1605 Predetermined information input (or selection) interface for inputting (or selecting) and sending parental security game account application information including application customer (parent) information. The interface providing unit 1610 which provides a window terminal serving as the information registration terminal to perform (or extract) the information registration terminal, and the predetermined customer information and the parent safe game account from the window terminal in cooperation with the interface unit 1605. On the basis of the information receiving unit 1615 for receiving opening application information and receiving predetermined account operating condition information from the server 400, and based on the received customer information, parental security game account opening application information, and account operating condition information. An information generator 1620 for generating at least one ledger information corresponding to the parent security game account opened to the customer, and an information storage unit for storing the generated at least one ledger information in the ledger D / B (150) 1625 is provided.

The interface unit 1605 establishes at least one window terminal provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network) and open a ledger-based parental security game account according to the present invention. It is characterized in that for connecting a predetermined communication channel for maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 1605 with at least one window terminal is a communication channel connected through a dedicated communication network between the financial system 145 provided in the financial institution and the at least one window terminal. According to an embodiment of the present invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the window terminal and the information registration server, the transaction protocol ( And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system 145, and the transaction adopted by the specific financial system 145. The protocol (and / or transaction protocol) To which the present invention is not limited to the structure).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The interface providing unit 1610 has a function provided in the connected window terminal when a window terminal serving as a predetermined information registration terminal connects to the information registration server 1600 through the interface unit 1605. Corresponding to the configuration to generate (or select) the parent security game account opening application information according to the present invention to generate a predetermined information input (or selection) interface that can be transmitted to the information registration server 1600, and / or Extract from a database (not shown), and provide it to the counter terminal through the generated (or extracted) information input (or selection) interface in conjunction with the interface unit 1605.

According to an embodiment of the present invention, the teller terminal inputs (or selects) the parent secure game account opening application information based on the information input (or selection) interface, and inputs (or selects) the parent secure game account. Opening application information and account operation condition information is transmitted to the information registration server 1600 via the network means.

For example, when the window terminal serving as the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 1610 may include the window terminal and / or Generate (or extract) predetermined information input (or selection) interface that can be provided by a financial transaction related program included in a financial automation device (not shown), and generate (or extract) the information through the interface unit 1605. It is desirable to provide an input (or selection) interface to the teller terminal and / or the automated teller machine (not shown).

The information receiving unit 1615 receives parental security game account opening application information and predetermined account operation condition information from the teller terminal in cooperation with the interface unit 1605, and sends the information to the information generating unit 1620. It is characterized by transmitting.

In addition, the information receiving unit 1615 is the parent security game account (and / or parent) provided by the parent security game account opening customer (parent) from the server 1630 shown in Figure 16 through a predetermined network means Receive predetermined account operating condition information for the operation of at least one virtual account using a safe game account as a parent account, and transmits it to the information generation unit 1620.

The information generating unit 1620 refers to the customer information received through the information receiving unit 1615 and the parent secure game account opening application information and the account operating condition information received from the server 1630, the customer information and It is characterized in that it generates the parent reassuring game account ledger information, including the parent reassuring game account opening application information and account operation condition information.

At this time, if the customer (parent) is the first account opening customer in a financial institution equipped with the financial system 145, the information generation unit 1620, before generating the parent security game account ledger information, the customer It is desirable to create a customer ledger.

Here, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. In accordance with the present invention, the parental security game account ledger is preferably stored in the ledger D / B 150 in association with the customer ledger.

According to another embodiment of the present invention, if the customer (parent) is not the first account opening customer in a financial institution equipped with the financial system 145 (for example, the customer other than the parent security game account according to the present invention) In the case of a customer who has already opened an account), the information generating unit 1620 checks the pre-stored and stored customer ledger information corresponding to the customer information received through the information receiving unit 1615 and generates separate customer ledger information. Parental security game account ledger information to be stored in association with the customer ledger is generated without a process.

According to the present invention, the information generating unit 1620, the parent security game account as a parent account, characterized in that for generating at least one or more virtual account information operated in accordance with the account operation condition information.

According to the present invention, the generated virtual account is in the process of the child of the customer (parent) performs a predetermined payment process according to the use of a predetermined game site and / or a predetermined game use and / or a predetermined game item purchase It is used as a payment means, characterized in that it is operated according to the account operation condition information.

According to the present invention, the account operation condition information, at least one or more games using a customer (parent) requesting the establishment of the parent security game account to use at least one virtual account generated by using the parent security game account as a parent account And at least one or more target customer (child) information, payment limit information for each game company (or game type), payment time information, monthly automatic transfer limit information, account usage period information, and the like.

The information storage unit 1625 may include parent reassuring game account ledger information of the customer (parent) generated through the information generation unit 1620 and at least one virtual account information having the parent reassuring game account as a parent account ( Or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account are stored / registered in the ledger D / B 150.

According to an exemplary embodiment of the present invention, the information storage unit 1625 includes parent security game account ledger information of a customer (parent) generated by the information generation unit 1620 and the parent security game account as a parent account. In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent security game of the ledger D / B 150 The account ledger may store and link the predetermined account operation condition information provided by the customer and the parent safe game account as a parent account, and store at least one virtual account information operated in accordance with the account operation condition information. .

According to another exemplary embodiment of the present invention, the information storage unit 1625 includes parent security game account ledger information of the customer (parent) generated through the information generation unit 1620 and the parent security game account as a parent account. In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent of the ledger D / B (150) At least one virtual account information having the parent safe game account as a parent account may be stored in a game account ledger, and account operation condition information associated with each of the stored virtual account information may be stored.

Referring to FIG. 16, a predetermined server 1630 provided in the financial system 145 and interworking with an information registration server that performs opening and information registration processing of a parent security game account of the customer (parent) is provided. Communication for receiving account operation condition information for operating the opened parent reassured game account (and / or at least one virtual account having the parent reassured game account as a parent account) from at least one customer wired or wireless terminal through a network means. Interface unit 1635 for connecting and managing a channel, and when the customer terminal is connected to the server 1630 through the interface unit 1635, the interface established in the customer terminal in conjunction with the interface unit 1635 Account operating conditions for operating a parent security game account (and / or at least one virtual account with the parent security game account as the parent account) An interface providing unit 1640 for generating (or extracting) a predetermined information input (or selection) interface for inputting (or selecting) and transmitting the information to the customer wired / wireless terminal, and registering the account operating condition information with the information. And an information transmitter 1645 for transmitting to the server 1600.

According to the implementation method of the present invention, the account operation condition information is opened to the customer when the ledger-based parental security game account according to the present invention is opened to the customer (parent) according to a predetermined parental security game account opening procedure. At least one virtual account information having the parent secure game account to be stored in association with an account ledger (or receiving ledger) corresponding to the parent secure game account and the parent secure game account and / or the at least one virtual account It is preferable that the information for operating and / or the customer (parent) information for opening the parental security game account is included.

The interface unit 1635 of the server 1630 is a predetermined account associated with a customer terminal that has opened (or opened an application) the parental security game account through a predetermined network means and the ledger-based parental security game account according to the present invention. And a predetermined communication channel for registering the operating condition information, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 1635 with at least one customer terminal is a communication channel connected between the server 1630 and at least one customer terminal through a predetermined communication network.

The interface providing unit 1635 of the server 1630, when the customer terminal is connected to the server 1630 through the interface unit 1635, the present invention corresponds to the functional configuration provided in the connected customer terminal Generate (or select) the predetermined information input (or selection) interface for inputting (or selecting) the account operation condition information associated with the opened (or application for opening) the secured parent account; And / or extracted from a predetermined database (not shown) and provided to the customer terminal through the information input (or selection) interface generated (or extracted) in conjunction with the interface unit 1630. .

According to the implementation method of the present invention, the customer terminal is based on the information input (or selection) interface and the opened parent security game account (and / or at least one virtual account of the parent security game account as a parent account) and The account operating condition information to be stored in association is input (or selected), and the input (or selected) account operating condition information is transmitted to the server 1630 through the network means.

For example, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1635 may input predetermined information that may be provided to a browser program and / or a communication program included in the customer terminal. Optional) It is preferable to generate (or extract) the interface, and provide the generated (or extracted) information input (or selection) interface to the customer terminal through the interface unit 1635.

In addition, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1635 may input predetermined information that may be provided to a browser program and / or a communication program included in the customer terminal. Optional) It is preferable to generate (or extract) the interface, and provide the generated (or extracted) information input (or selection) interface to the customer terminal through the interface unit 1635.

In addition, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface provider 1635 inputs (or selects) predetermined information that can be provided to the call terminal (not shown). ) Create (or extract) an interface and convert the generated (or extracted) information input (or select) interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1635. It is desirable to provide.

In addition, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface provider 1635 inputs (or selects) predetermined information that can be provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) an interface and provide the generated (or extracted) information input (or selection) interface to the wired terminal (or interactive digital TV) through the interface unit 1635.

The information transmitting unit 1645 of the server 1630 receives the account operation condition information input (or selected) through the information input (or selection) interface, and receives the received account operation condition information from the information registration server. Characterized in that the transmission to (1600).

17A and 17B illustrate a structure of ledger information including information related to a parent safe game account according to an embodiment of the present invention.

In more detail, Figures 17a and 17b correspond to the parental security game account opened to the customer when the ledger-based parental security game account according to the present invention is opened to the customer according to a predetermined parent security game account opening procedure Linking at least one virtual account information having the parent secure game account as a parent account and predetermined account operation condition information for operating the at least one parent secure game account and / or the at least one virtual account to an account ledger (or receiving ledger); Or it illustrates the ledger information configuration that includes.

In more detail, Figure 17a is linked to the predetermined account operating condition information provided by the customer to the parent responsible game account ledger of the ledger D / B 150 in the process of opening / registering the parent security game account according to the present invention Stored in the parent safe game account as a parent account, and at least one virtual account information operated in accordance with the account operation condition information is stored in association with the implementation method, Figure 17b is to open / In the registration process, at least one virtual account information having the parent safe game account as a parent account is stored in the parent safe game account ledger of the ledger D / B 150 in association with each of the virtual account information. It relates to an implementation method in which the account operation condition information is stored.

17A and 17B, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one information associated with the account ledger. For those skilled in the art, the ledger D / B 150 provided in the DBMS on the financial system 145 includes at least one ledger (eg, a customer ledger and an account ledger). And / or at least one additional information for maintaining and managing the ledgers and / or the specific technical matters therefor. Detailed description thereof will be omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains, parental reassurance according to the present invention by referring to and / or modified in the drawings 17a and 17b without departing from the essential technical matters of the present invention. Predetermined information (e.g., account operating condition information, virtual account information using the parent secure game account as a parent account), etc., required in the process of opening / registering a game account is linked to the parent secure game account ledger (or reception ledger). Although various embodiments of the present invention can be inferred, the present invention includes all the above inferred embodiments, and is not limited to the embodiments shown in FIGS. 17A and 17B.

17A and 17B, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional classification code, a telephone number, a business number, a business name. , Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to Figure 17a, in the process of opening / registering the parent security game account according to the present invention, the predetermined account operation condition information provided by the customer (parent) to the parent security game account ledger of the ledger D / B 150 It is stored in association, the parent safe game account as a parent account, characterized in that at least one or more virtual account information that is operated in accordance with the account operation condition information is stored in association.

According to an embodiment of the present invention, the account operation condition information stored in association with the parent responsible game ledger of the ledger D / B 150, the customer (parent) to request the establishment of the parent security game account said At least one customer (child) using the at least one virtual account created using the parent secure game account as a parent account, information on the payment limit for each game company (or game type), payment time information, It includes at least one or more monthly debit limit information, account period information and the like.

The payment limit information for each game company (or game type) is determined by using a virtual account generated by using a parent secure game account as a mother account by accessing a specific game company site to a specific game company site. Limit information on the amount of payment available in the process of payment processing and the predetermined amount of payment that may occur in the process of using the specific game by the customer (child) to use the game as a parent account account When the payment is to be made through the generated virtual account, it is characterized in that it comprises the payment amount information limit.

According to the implementation method of the present invention, the customer (parent) determines the harmfulness, sensibility, violence, meandering, etc. according to the game company or the type of game without blindly blocking the game use of the customer (child) to use the game, You can select or specify a payment limit amount.

For example, a game company or a game that is concerned about harmfulness, sensibility, violence, and mediocreity may set a small payment limit amount, and in an educational or sound game, a higher payment limit amount may be set. It is possible to prevent the unreasonable settlement of the bill.

The payment available time information may include time information (eg, 12: 12) where the game target customer (child) can access a specific game company site and use a virtual account generated by using the parent safe game account as a mother account. 00 ~ 21: 00, etc.) and / or time information for using the virtual account as a payment means for a predetermined payment action that can be issued in the process of using a specific game.

According to the implementation method of the present invention, by setting the virtual account use time (which may be the game use time in the present invention) of the target customer (child) to use the game in accordance with the academic or other schedule of the target customer (child) In addition, it is possible to allow the use of the game (using a virtual account) within a range that does not interfere with the academic or other schedule of the game target customer (child).

The monthly debit limit information is a monthly amount of the amount to be automatically debited from at least one virtual account to be used by the target customer (child) using the parent secure game account from the parent security game account of the customer (parent) It is characterized by including a limit.

According to the exemplary embodiment of the present invention, the monthly automatic debit limit information may be uniformly set in at least one or more virtual accounts having the parent safe game account as a parent account or set for each virtual account.

The account usage period information may include, for example, account usage period information of at least one or more virtual accounts to be used by the game target customer (child) using the parent security game account as a parent account from the parent security game account of the customer (parent). 1 month, 3 months, and the like).

In more detail, Figure 17b is at least one virtual account of the parent safe game account in the parent safe game account ledger of the ledger D / B (150) in the process of opening / registering the parent safe game account in accordance with the present invention The information is linked and stored, and the account operating condition information for operating each virtual account is stored in association with the virtual account information.

In this case, the virtual account is characterized in that it is operated by the corresponding account operating condition information.

18 is a view showing the ledger-based parental relief game account opening information and associated registration process according to another embodiment of the present invention.

In more detail, Fig. 18 illustrates a process of opening and registering a ledger-based parental security game account according to the present invention using parental security game account opening application information and account operation condition information, in particular through a counter terminal. After opening (or opening an application) a ledger-based parental security game account, at least one virtual parental game account (and / or the parental security game account) opened as a parent account through the predetermined server. In connection with the information of the parent secured game account (and / or at least one virtual account having the parent secured game account as the parent account) provided with the predetermined account operation condition information for operating the account; It shows the process of storing and registering.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for opening and registering a ledger-based parental security game account according to the present invention. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 18, the customer (parent) who wants to open a parent security game account in accordance with the present invention by filling out a predetermined parent security game account opening application form to the counter staff, the customer information and the parent security game account application information Provides to the teller terminal, and / or input (or select) the customer information and the parental relief game account opening application information through a predetermined information input device connected to the teller terminal (1800). .

The window terminal provided with the customer information and the application for opening the secure parental game account information transmits the customer information and the application for opening the parental security game account to the information registration server 1600 shown in FIG. 16 through a predetermined financial network. (1805).

According to an embodiment of the present invention, the information registration server 1600 transmits a predetermined information input (or selection) interface for opening the parental security game account to the teller terminal, and inputs the information transmitted to the teller terminal. Customer information provided from the customer (parent) and parent secure game account opening application information are input (or selected) through the interface (or selection) and transmitted to the information registration server 1600.

At this time, the information registration server 1600 that receives the customer information and the application for opening the parental security game account from the teller terminal, the customer (parent) first the account at the financial institution that the information registration server 1600 is provided; In the case of an opening customer (for example, a customer who has an account previously opened in the financial institution before opening the parent security game account, etc.) (1810), the information registration server 1600 is applied to the parent security game account opening application customer. The corresponding customer ledger information is generated (1815).

On the other hand, if it is determined that the customer (parent) is a customer owning another account already opened in the financial institution, the customer ledger information generation process may be omitted.

If the customer ledger information corresponding to the parent security game account opening request customer is generated or already exists, the information registration server 1600 is based on the customer information received from the counter terminal and the parent security game account opening application information. At least one ledger information (eg, at least one account ledger for opening a financial account, and at least one associated with the ledger (or each ledger), if necessary, for opening the parent security game account according to the present invention to the customer) The above additional information) is generated (1820).

When the ledger information is successfully generated, the information registration server 1600 stores the generated ledger information in the ledger D / B 150 provided in the financial system 145 shown in FIG. 16 (1825). In step 1830, the parental relief game account opening / registration information is transmitted to the counter terminal and / or the customer communication means.

Thereafter, the parent security game account opening (or application for opening) a customer (parent) accesses the server 1630 shown in FIG. 16 through a predetermined terminal, and opens the parent security game account (or application for opening). (And / or at least one virtual account having the parent safe game account as the parent account) provides predetermined account operation condition information for operation to the server 1630 (1835).

According to an embodiment of the present invention, the server 1630 transmits a predetermined information input (or selection) interface for inputting (or selecting) account operation condition information to be stored in association with the parent safe game account to the customer terminal. And, through the information input (or selection) interface transmitted to the customer terminal, the account operating condition information to be stored in association with the parent safe game account may be input (or selected) and provided to the server 1630.

Then, the server 1630 transmits the account operation condition information provided from the customer terminal to the information registration server 1600 (1840), the information registration server 1600 and the transmitted account operation condition information and / Alternatively, the parent security game account (or open application) checks the parent security game account information (or ledger information) corresponding to the customer (parent) information (1845).

If the parental relief game account information (or ledger information) corresponding to the account operation condition information and / or parental security game account opening (or application for opening) customer (parent) information is confirmed, the information registration server is the confirmed parent relief The account operation condition information is stored in association with game account information (or ledger information) (1850), and the server operation condition information storage / registration result is stored in the server 1630 and / or the customer through a predetermined network means. (Parent) transmits to communication means (1855).

19 is a diagram illustrating a ledger-based parental security game account opening and information registration system according to another embodiment of the present invention.

In more detail, FIG. 19 shows a case in which a customer (parent) who opens a predetermined financial account from a financial institution requests to convert (or reissue) the financial account to a ledger-based parental security game account according to the present invention. Regarding the ledger-based parental security game account opening and information registration system constituting the ledger information, such as any one or more of 20a and / or 20b, if one of ordinary skill in the art to which the present invention belongs, this figure 19 Opening and / or opening a parent reassuring game account to the customer (parent), and / or the cash and / or debit card and / or credit card and / or check card and / or electronics associated with the parent reassuring game account. When issuing a financial means (or payment means) including at least one bankbook and / or electronic money, open a parental security game account according to the present invention, and Would be able to infer a variety of system configurations to process the information registration, the present invention includes both all exemplary way in which the inference, not limited by the exemplary method shown in the figure 19.

Referring to FIG. 19, a financial institution equipped with the illustrated financial system 145 includes all financial companies that can open and / or operate the ledger-based parental security game account, such as commercial banks, savings banks, and securities companies. Preferably, it is not limited to any particular financial institution.

In addition, the DBMS provided in the financial system 145 includes at least one ledger including a customer ledger, a reception ledger, a loan ledger, a security ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is referred to as ledger D / B 150.

According to the implementation method of the present invention, in the ledger D / B 150 of the financial system 145, the customer (parent) in the process of opening a parent safe game account according to the present invention, the parent safe game account and Ledger D / B including the account operating condition information, characterized in that the predetermined account operating condition information required to operate at least one virtual account using the parental game account as a parent account is stored in association with each other. ) Will be described in more detail with reference to Figures 20a and 20b below.

According to the implementation method of the present invention, the financial system 145 stores information related to the parent security game account (for example, the parent security game account and the parent security game account) opened by the customer (parent) according to the present invention. And an information registration server 1900 that performs registration of predetermined account operation condition information required for operating at least one virtual account serving as a parent account, through a financial network or a predetermined communication network.

Here, the information registration server 1900 is characterized in that the window terminal or CD / ATM (for example, interlocking with the unmanned terminal provided in the branch of the financial institution (and / or place affiliated with the financial institution).

Hereinafter, in connection with the teller terminal on the financial system 145 to process the establishment and information registration of the ledger-based parental security game account according to the present invention and / or through the customer wired and wireless terminal, the parental security game account and the parental security A server (or device) for receiving and processing predetermined account operation condition information required for operating at least one virtual account having a game account as a parent account is referred to as an "information registration server" for convenience.

According to FIG. 19, the system for opening and registering the ledger-based parental security game account is provided at each branch of the financial institution, and is used by a teller terminal used by a teller at the branch, through the teller terminal and a predetermined financial network. Ledger information corresponding to the information registration server connected to and provided on the financial system 145 of the financial institution and / or interworking with the financial system 145, and the parent security game account opened to the customer (parent) Ledger D / B 150 is stored is made.

The teller terminal is a customer's financial account information and parent's reassuring game from the customer (parent) to the customer's (parent) to change and / or register to the ledger-based parent reassuring game account for the establishment of a ledger-based parent reassuring game account according to the present invention Receiving the account switch request information and predetermined account operation condition information, and transmits the provided customer financial account information, the parent security game account switch request information and predetermined account operation condition information to the information registration server through the financial network And the account operation condition information is when the financial account requested by the customer (parent) to be converted and / or registered is converted and / or registered into a ledger-based parental security game account according to the present invention. , Linked with the account ledger (or receiving ledger) corresponding to the conversion and / or registered parental security game account Preferably, at least one virtual account information having the parent safe game account to be stored and stored therein and information for operating the parent safe game account and / or the at least one virtual account.

According to an embodiment of the present invention, the customer (parent) is a predetermined parent security game account switch and / or registration application (for example, customer information items and parental security game account switch and / or registration application information items and parent security game) Application form with a corresponding form for account switching and / or registration application information item) and submitting the parental security game account switching and / or registration application form to the counter staff, thereby providing the customer information and the parental security game account. It is desirable to provide conversion and / or registration application information to the counter terminal.

Here, the customer (parent) is a predetermined information input device associated with the teller terminal (for example, the information including the customer information input item and the parent security game account switching and / or registration application information input item to a predetermined screen output device) When the input interface screen is outputted, the customer information and the parent safe game account through a predetermined key input device through a terminal provided to the counter terminal for inputting predetermined information into an information input item corresponding to the information input interface). It is possible to provide conversion and / or registration application information to the counter terminal, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the provision of the account operating condition information does not necessarily need to be performed through the window terminal, but may be performed through the wired terminal or the wireless terminal of the customer.

For example, as described above, in the process of converting and / or registering the previously held financial account of the customer into the parent safe game account according to the present invention, the customer (parent) may register the account operation condition information through the counter terminal. However, the present invention is not limited thereto, and the account operation condition information may be provided through the wired terminal or the wireless terminal of the customer after the conversion and / or registration of the parental security game account of the customer is made.

In this case, when correction or change of the pre-registered account operating condition information is required, the customer (parent) may be provided with a more convenient information registration interface even if the customer (parent) does not visit the window directly. Can be.

In addition, in order to provide the account operation condition information associated with the parent security game account through the wired terminal or wireless terminal of the customer, it is authenticated that the customer (parent) is the customer (parent) who opened the parent security game account. Certain authentication means (eg, accredited certificates, etc.) may be required.

Referring to FIG. 19, an information registration server 1900 provided in the financial system 145 or linked with the financial system 145 to open a parent safe game account of the customer (parent) and process information registration. ) Connects a communication channel for receiving at least one counter terminal (and / or client terminal) with the parent secure game account and / or registration request information and switching the parent secure game account and / or registration through a predetermined financial network. When managing the interface unit 1905 and the window terminal connected to the information registration server through the interface unit 1905, the parent terminal secure game account switching in the window terminal in conjunction with the interface unit 1905 and / Or inputting parent security game account switching and / or registration information including registration application customer (parent) information and predetermined account operation information corresponding to the parent security game account. An interface providing unit 1910 for generating (or extracting) a predetermined information input (or selection) interface for transmitting (or selecting) and providing the same to the window terminal serving as the information registration terminal, and the interface unit ( An information receiving unit 1915 for receiving predetermined customer information, parental security game account switching and / or registration application information, and predetermined account operating condition information from the counter terminal in conjunction with 1905; and the received customer information and parental security An information generation unit 1920 for generating at least one ledger information corresponding to the parent secure game account to be converted and / or registered based on game account switching and / or registration application information and account operation condition information; An information storage unit 1925 for storing at least one or more ledger information in the ledger D / B (150).

The interface unit 1905 includes at least one or more teller terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network) and a ledger-based parental security game account according to the present invention. And / or connect a predetermined communication channel for registration, and maintain and manage the communication channel.

The communication channel connected and managed by the interface unit 1905 with at least one window terminal is a communication channel connected through a dedicated communication network between the financial system 145 provided in the financial institution and at least one window terminal. According to an embodiment of the present invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more telegrams corresponding to at least one or more financial services defined between the window terminal and the information registration server, the transaction protocol ( And / or a specialized structure corresponding to a transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system 145, and the transaction adopted by the specific financial system 145. The protocol (and / or transaction protocol) To which the present invention is not limited to the structure).

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The interface providing unit 1910 is provided in the connected window terminal when a window terminal serving as a predetermined information registration terminal connects to the information registration server 1900 through the interface unit 1905. In response to the functional configuration, input (or select) predetermined information that can be transferred to the information registration server 1900 by inputting (or selecting) the parental security game account switching and / or registration application information and account operation condition information according to the present invention. Create an interface and / or extract it from a predetermined database (not shown), and provide it to the counter terminal through the information input (or selection) interface generated (or extracted) in conjunction with the interface unit 1905. Characterized in that.

According to an embodiment of the present invention, the counter terminal inputs (or selects) the parental security game account switching and / or registration application information and account operation condition information based on the information input (or selection) interface, and inputs the input. (Or selected) the parent security game account switch and / or registration application information and account operation condition information are transmitted to the information registration server 1900 via the network means.

For example, when the window terminal serving as the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 1910 may include the window terminal and / or Generate (or extract) predetermined information input (or selection) interface that can be provided by a financial transaction related program included in the automated teller machine (not shown), and the generated (or extracted) information through the interface unit 1905. It is desirable to provide an input (or selection) interface to the teller terminal and / or the automated teller machine (not shown).

According to the implementation method of the present invention, the parental security game account switch and / or registration application information, the function of the parental security game account according to the present invention to the financial account previously held by the customer (parent) and / Or as information for switching to the parent security game account, it is preferably configured to include the customer's existing financial account information.

The information receiving unit 1915 receives the parental security game account switching and / or registration application information and predetermined account operation condition information from the counter terminal in cooperation with the interface unit 1905, and the information generating unit It is characterized in that the transfer to (1920).

The information generating unit 1920 refers to the customer information and the parent safe game account switching and / or registration application information and account operation condition information received through the information receiving unit 1915, the customer information and the parent safe game account And generating parental security game account ledger information including the conversion and / or registration application information and account operation condition information.

At this time, the generated parent safety game account ledger information is preferably stored in the ledger D / B 150 in association with the customer ledger information of the customer.

Here, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date , State headquarters information, settlement date, cash available date, surname, name, resident registration number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. .

According to the present invention, the information generating unit 1920, the parent safe game account as a parent account, characterized in that for generating at least one or more virtual account information operated in accordance with the account operation condition information.

According to the present invention, the generated virtual account is in the process of the child of the customer (parent) performs a predetermined payment process according to the use of a predetermined game site and / or a predetermined game use and / or a predetermined game item purchase It is used as a payment means, characterized in that it is operated according to the account operation condition information.

According to the present invention, the account operation condition information, at least one or more games using a customer (parent) requesting the establishment of the parent security game account to use at least one virtual account generated by using the parent security game account as a parent account And at least one or more target customer (child) information, payment limit information for each game company (or game type), payment time information, monthly automatic transfer limit information, account usage period information, and the like.

The information storage unit 1925 may include parent reassuring game account ledger information of the customer (parent) generated through the information generation unit 1920 and at least one virtual account information having the parent reassuring game account as a parent account ( Or virtual account ledger information), and the parent safe game account and account operation condition information for operating the virtual account are stored / registered in the ledger D / B 150.

According to the implementation method of the present invention, the information storage unit 1925, the parent safety game account ledger information of the customer (parent) generated through the information generation unit 1920, and the parent security game account as the parent account In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent security game of the ledger D / B 150 The account ledger may store and link the predetermined account operation condition information provided by the customer and the parent safe game account as a parent account, and store at least one virtual account information operated in accordance with the account operation condition information. .

According to another embodiment of the present invention, the information storage unit 1925, the parent security game account ledger information of the customer (parent) generated through the information generation unit 1920, the parent security game account to the parent account In the process of storing at least one or more virtual account information (or virtual account ledger information), and the parent security game account and account operation condition information for operating the virtual account, the parent of the ledger D / B (150) At least one virtual account information having the parent safe game account as a parent account may be stored in a game account ledger, and account operation condition information associated with each of the stored virtual account information may be stored.

20A and 20B illustrate the structure of ledger information including parent safe game account related information according to an embodiment of the present invention.

In more detail, Figures 20a and 20b are converted to and / or ledger-based parental security game account of the customer (parent) according to the present invention in accordance with a predetermined parent security game account conversion and / or registration procedure When registered, at least one virtual account information having the parent safe game account as a parent account and the parent safe game account and / or in the account ledger (or receiving ledger) corresponding to the converted and / or registered parent safe game account. It illustrates a ledger information configuration that connects or includes predetermined account operation condition information for operating the at least one virtual account.

In more detail, Figure 20a is a predetermined account operation condition information provided by the customer in the parent safe game account ledger of the ledger D / B (150) in the process of switching and / or registered the parent safe game account in accordance with the present invention The parent secure game account is stored in association with the parent account, and at least one virtual account information that is operated in accordance with the account operation condition information is stored in association with the implementation method, Figure 20b is a parent safe game account In the opening / registration process, at least one virtual account information having the parent safe game account as a parent account is stored in the parent safe game account ledger of the ledger D / B 150 in association with each of the virtual account information. It relates to an implementation method in which linked account operation condition information is stored.

20A and 20B, the ledger information includes a predetermined customer ledger, a reception ledger associated with the customer ledger (hereinafter referred to as an "account ledger"), and at least one information associated with the account ledger. For those skilled in the art, the ledger D / B 150 provided in the DBMS on the financial system 145 includes at least one ledger (eg, a customer ledger and an account ledger). And / or at least one additional information for maintaining and managing the ledgers and / or the specific technical matters therefor. Detailed description thereof will be omitted for convenience.

In addition, those of ordinary skill in the art to which the present invention pertains, parents reassured according to the present invention by referring to and / or modified in the drawings 20a and 20b without departing from the essential technical matters of the present invention. Predetermined information (e.g., account operating condition information, virtual account information using the parent secure game account as a parent account), etc., required in the process of opening / registering a game account is linked to the parent secure game account ledger (or reception ledger). Although various embodiments of the present invention may be inferred, the present invention includes all of the inferred implementation methods, and the present invention is not limited to the implementation methods illustrated in FIGS. 20A and 20B.

20A and 20B, the customer ledger includes a customer information file (CIF) number, a country code, a contact person ID, a store number, a customer classification, a customer name, a customer address, a regional classification code, a telephone number, a business number, and a business name. , Classification code, expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, Usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 20A, predetermined account operating conditions provided by the customer (parent) to the parent safe game account ledger of the ledger D / B 150 during the conversion and / or registration of the parent safe game account according to the present invention. Information is stored in association, the parent safe game account as a parent account, characterized in that at least one or more virtual account information that is operated in accordance with the account operation condition information is stored in association.

According to an embodiment of the present invention, the account operation condition information stored in association with the parent responsible game ledger of the ledger D / B 150, the customer (parent) to request the establishment of the parent security game account said At least one customer (child) using the at least one virtual account created using the parent security game account as a parent account, information on the payment limit for each game company (or game type), payment time information, monthly At least one or more of the debit limit information, account usage period information, and the like.

The payment limit information for each game company (or game type) is determined by using a virtual account generated by using a parent secure game account as a mother account by accessing a specific game company site to a specific game company site. Limit information on the amount of payment available in the process of payment processing and the predetermined amount of payment that may occur in the process of using the specific game by the customer (child) to use the game as a parent account account When the payment is to be made through the generated virtual account, it is characterized in that it comprises the payment amount information limit.

According to the implementation method of the present invention, the customer (parent) determines the harmfulness, sensibility, violence, meandering, etc. according to the game company or the type of game without blindly blocking the game use of the customer (child) to use the game, You can select or specify a payment limit amount.

For example, a game company or a game that is concerned about harmfulness, sensibility, violence, and mediocreity may set a small payment limit amount, and in an educational or sound game, a higher payment limit amount may be set. Indiscriminate payments can be prevented.

The payment available time information may include time information (eg, 12: 12) where the game target customer (child) can access a specific game company site and use a virtual account generated by using the parent safe game account as a mother account. 00 ~ 21: 00, etc.) and / or time information for using the virtual account as a payment means for a predetermined payment action that can be issued in the process of using a specific game.

According to the implementation method of the present invention, by setting the virtual account use time (which may be the game use time in the present invention) of the target customer (child) to use the game in accordance with the academic or other schedule of the target customer (child) In addition, it is possible to allow the use of the game (using a virtual account) within a range that does not interfere with the academic or other schedule of the game target customer (child).

The monthly debit limit information is a monthly amount of the amount to be automatically debited from at least one virtual account to be used by the target customer (child) using the parent secure game account from the parent security game account of the customer (parent) It is characterized by including a limit.

According to the exemplary embodiment of the present invention, the monthly automatic debit limit information may be uniformly set in at least one or more virtual accounts having the parent safe game account as a parent account or set for each virtual account.

The account usage period information may include, for example, account usage period information of at least one or more virtual accounts to be used by the game target customer (child) using the parent security game account as a parent account from the parent security game account of the customer (parent). 1 month, 3 months, and the like).

More specifically, Figure 20b is at least one of the parent safe game account in the parent safe game account ledger of the ledger D / B 150 in the process of switching and / or registering a parent safe game account according to the present invention at least one The virtual account information is linked and stored, and the account operating condition information for operating each virtual account is stored in association with the virtual account information.

In this case, the virtual account is characterized in that it is operated by the corresponding account operating condition information.

FIG. 21 is a diagram illustrating a process of switching and / or registering a ledger-based parent safe game according to another embodiment of the present invention.

In more detail, Figure 21 shows the use of parental security game account conversion and / or registration application information and account operating conditions information, the customer's (parent) of the existing financial account to the ledger-based parental security game account according to the present invention and And / or illustrating the registration process, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 21 to convert and / or ledger-based parental security game accounts according to the present invention. Various implementation methods for registering may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 21, a customer (parent) who wants to convert and / or register a predetermined financial account to a parent security game account according to the present invention fills out a predetermined parent security game account conversion and / or registration application. Providing the counter staff with the customer information, the parental security game account switching and / or registration application information, and account operation condition information to the counter terminal, and / or the customer through a predetermined information input device connected to the counter terminal. Information and parental security game account conversion and / or registration application information and the account operating condition information is input to provide to the teller terminal (2100).

The teller terminal provided with the customer information, the parent reassuring game account switch and / or registration application information, and the account operation condition information, through the predetermined financial network, the customer information and the parent reassuring game account switch and / or registration application information and account The operation condition information is transmitted to the information registration server 1900 shown in FIG. 7 (2105).

According to the implementation method of the present invention, the information registration server 1900 transmits a predetermined information input (or selection) interface for switching and / or registering the parent safe game account to the counter terminal, and to the counter terminal. Through the information input (or selection) interface, the customer information provided from the customer (parent) and the parent safe game account switching and / or registration application information and account operation condition information are input (or selected) to the information registration server ( 1900).

At this time, the information registration server 1900, which has received customer information and parental security game account switching and / or registration application information and account operation condition information from the window terminal, firstly, the customer (parent) is assured of the parent according to the present invention. The validity of the previously held financial account entered (or selected) for conversion and / or registration into the game account is checked (2110).

If the validity of the financial account is confirmed (2115), the information registration server 1900 checks the customer ledger information corresponding to the parent safe game account switch and / or registration request customer (2120).

On the other hand, the financial account of the client (parent) is less than 10,000 won, one year after the last transaction date, or the balance is less than 50,000 won, two years after the last transaction date, or the balance is less than 100,000 won, and after the last transaction date. If the validity is not confirmed due to an account processed as a dormant account such as three years or other error of account number, the process of switching and / or registering a parental security game shown in FIG. 21 may not be performed successfully. No.

On the other hand, when the customer ledger information corresponding to the parent security game account open request customer is confirmed, the information registration server 1900 is the customer information received from the counter terminal and parental security game account switch and / or registration application information and At least one ledger information (eg, at least one account ledger for opening a financial account and the ledger, if necessary) for the customer to convert and / or register a parent safe game account according to the present invention based on the account operation condition information (Or at least one additional information associated with each ledger) (2125).

When the ledger information is successfully generated, the information registration server 1900 connects the generated ledger information and the account operating condition information to the ledger D / B (e.g., provided in the financial system 145 shown in FIG. 19). 150, and transmits the parental security game account switch and / or registration information to the teller terminal and / or the customer communication means (2135).

According to the present invention, the parent is linked to the account in the process of registering the ledger-based parental security game account and registered information, the predetermined condition information (game company, type of game, specified by game, etc.) for the virtual account to be used by the child By setting the, there is an advantage that can provide convenience for payment when using the game of children.

In addition, it is possible to block indiscriminate payment processing of children, which has the advantage that it can prevent the game addiction of children.

In addition, the parent security game account opening financial institution can earn the payment processing fee revenue on the use of the game, there is an advantage that can secure additional prospects (customer children) due to customer acquisition and secured customer.

Claims (7)

Client account information, at least one or more game-specific virtual account information having the client account as a mother account, money information set to be automatically transferred monthly (or quarterly) from the mother account to the virtual account, and payment processing using the virtual account; A storage medium for linking and storing at least one game company (or game type) information which is allowed and stored; Checking and / or extracting monthly (or quarterly) automatic debit amount information in association with the storage medium (or storage medium operating means), and based on the confirmed and / or extracted automatic debit amount information, the client Automatic transfer means for withdrawing a predetermined amount from the account, the transfer to the game dedicated virtual account; Specialized receiving means for receiving a predetermined payment approval request full text of the game-only virtual account as a payment account; And Identify and / or at least one or more game company (or game type) information in association with the storage medium (or storage medium operating means), which is linked to the virtual account information to allow payment processing using the previously stored virtual account. And extracting, and determining whether the object for requesting payment approval is included in at least one game company (or game type) to which the payment processing is allowed, based on the confirmed and / or extracted information, and determining As a result, if the target request for payment approval is included in at least one or more game companies (or game types) that the payment processing is permitted, account management means for processing payment approval corresponding to the payment approval request; Game account management system, characterized in that made. The method of claim 1, The storage medium further stores and manages payment limit information for each game company (or game type) to which payment processing using the virtual account is permitted. The account management means, in connection with the storage medium (or storage medium operation means), the payment limit for each game company (or game type) that is allowed to process payment using the virtual account stored in association with the virtual account information. Check and / or extract information, and determine whether the payment approval request object and the payment amount meet the payment limit for each game company (or game type), based on the confirmed and / or extracted information, And determining that the payment approval request object and the payment amount meet the payment limit for each game company (or game type), wherein the payment approval request corresponding to the payment approval request is processed. The method of claim 1, Withdraw a predetermined amount from the client account, and before and / or after the transfer process to the virtual account dedicated to the game, obtain approval for the transfer process to the client communication means, and / or to the client communication means. Game account operating system, characterized in that further comprises information providing means for notifying the transfer processing details. The method of claim 1, And the information providing means for notifying the payment approval details to the client communication means. A recording medium comprising a program for executing the means function of any one of claims 1 to 4. Withdrawing a predetermined amount of money from the client account by the direct debit processing means and transferring it to a predetermined game-only virtual account; Receiving, by a predetermined information receiving means, a predetermined payment approval request full text of the game-only virtual account as a payment account; A storage medium (or storage medium operating means) for storing the game-specific virtual account information and at least one game company (or game type) information that is allowed to be settled using the virtual account in a predetermined information checking means; Confirming and / or extracting game company (or game type) information stored in association with the virtual account information in association with the virtual account information; On the basis of the information confirmed and / or extracted by a predetermined account management means, it is determined whether the object for requesting the payment approval is included in at least one or more game companies (or game types) to which the payment processing is allowed. And processing the payment approval corresponding to the payment approval request when the target request for payment approval is included in at least one or more game companies (or game types) to which the payment processing is permitted. Game account operating method, characterized in that made. The method of claim 6, In the case where the payment limit information for each game company (or game type) to which payment processing using the virtual account is allowed is further stored in the storage medium, Check and / or payment limit information for each game company (or game type) that is linked to the storage medium (or storage medium operating means), and is processed in connection with the virtual account information to allow payment processing using the previously stored virtual account. And determining whether the payment approval request object and the payment amount match the payment limit for each game company (or game type), based on the checked and / or extracted information. If the object of the approval request and the payment amount meets the payment limit for each game company (or game type), further comprising the step of processing the payment approval corresponding to the payment approval request, characterized in that the game bank operating method.

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