WO2018203660A1 - System and method for providing vehicle maintenance cost management service linked to virtual account - Google Patents

Abstract

The present invention relates to a method for providing a vehicle maintenance cost management service linked to a virtual account, the method being configured such that: a virtual account is assigned to each business operator on the basis of the money collection purpose thereof; the amount of money deposited from the business operator is processed as accounts payable at an affiliated bank; thereby settlement or fund flow becomes transparent; a beacon, a unique code attached to a vehicle, and operating conditions for an application are configured so as to prevent illegitimate use of a user; and thus only a legitimate user can use a card or the application.

Description

System and method for providing a vehicle maintenance cost management service associated with a virtual account

The present invention relates to a method for providing a virtual account linked vehicle maintenance cost management service, and provides a method for providing a service for linking an automatic loan with a virtual account for a gas ticket service for a vehicle maintenance cost with a virtual account.

Recently, various technologies have been researched and developed due to the spread of smart terminals. However, smart cards are not still used in the form of corporate cards or business cards for the expense of operators. The current situation is not preventing the abuse.

At this time, the method of preventing the private use of the operator's card is made by setting the approval conditions and grasping the usage history of the gas ticket in real time. In this regard, Korean Patent Registration No. 10-1653785 (announced on 09.09.2016), which is a prior art, uses a petrol application to purchase a corporate gasoline right for a corporation and make a payment using the same. The configuration of performing the purchase, determining whether to approve only under predetermined conditions, and notifying the terminal of the usage details immediately after payment approval is started.

However, even if the conditions are set, the owner's card can also be used privately when carrying his or her own vehicle. Since there are no countermeasures and only the conscience of the driver is left, the economic loss of the operators cannot be prevented.

One embodiment of the present invention, by granting a virtual account for each purpose of the collection by the operator, and the amount of money deposited from the operator to process the unpaid account in the affiliated bank to transparently settle or flow of funds, and to prevent illegal use of the user By setting a beacon, a unique code attached to a vehicle, and an operating condition of an application, a method of providing a virtual account linked vehicle maintenance cost management service that allows only a legitimate user to use a card or application can be provided. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention, the virtual account is issued from the operator to grant and issue a virtual account for each collection purpose, and associated with the virtual account of the amount deposited from the operator When the vehicle maintenance fee is used at a predetermined affiliated store, the affiliated bank server performs payment to process the deposit to the affiliated store and processes the amount deposited from the operator as an unpaid account, and is registered with the operator and affiliated to use the vehicle maintenance cost. Wake up according to the frequency of the beacon installed in the billing program or application to run, scan or read the merchant's unique code of the merchant terminal to identify affiliated merchants, and enter a payment amount corresponding to the vehicle maintenance costs to request payment Car maintenance costs from company terminal and company Register the terminal and the vehicle to be paid, issue a merchant specific code of the affiliated merchant, register the affiliated merchant terminal of the affiliated merchant at the operator terminal, the payment program or application of the operator terminal, and the card linked to the virtual account of the operator When the payment request is sent to the partner bank server, the payment request service is provided to determine the approval status by checking the payment request region and amount, and transmit the determined approval status to the merchant terminal, and settle the amount used by the operator to the merchant terminal. Include a server.

Another embodiment of the present invention, the step of storing the virtual account granted and issued by the operator for the purpose of the collection from the at least one affiliated bank server with the operator terminal which is the operator's terminal, the card mapped to the virtual account from the operator terminal, And registering the vehicle identification code, when the application installed in the operator terminal is activated from the affiliated merchant terminal and operated in the front ground, causing the operator terminal to scan the unique code of the affiliated merchant terminal, and the unique code is scanned at the operator terminal. When the condition that satisfies the preset region and the amount is input, and the authorization request is received from the affiliated merchant terminal, the step of granting the approval of the payment, and transmitting the approved amount to the affiliated bank server to transmit the settlement request, And performing settlement to the affiliated merchant terminal.

According to any one of the problem solving means of the present invention described above, by providing a virtual account for each collection purpose for each operator, and the amount of money deposited from the operator to make the settlement or the flow of funds transparent by processing the unpaid account in the affiliated bank, By setting beacons, unique codes attached to the vehicle, and operating conditions of the application to prevent illegal use, only the right user can use the card or application.

1 is a block diagram illustrating a virtual account linked vehicle maintenance cost management service providing system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a payment agency service providing server illustrated in FIG. 1.

3 is a diagram illustrating an embodiment in which a virtual account linked vehicle maintenance cost management service according to an embodiment of the present invention is implemented.

FIG. 4 is a diagram illustrating a process of transmitting and receiving data between components included in the virtual account linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention.

5 is a flowchart illustrating a method for providing a virtual account linked vehicle maintenance management service according to an embodiment of the present invention.

The present invention, when a virtual account is issued from a business operator, grants and issues a virtual account for each collection purpose, and when the vehicle maintenance fee associated with the virtual account is used in a predetermined merchant, among the amounts deposited from the business operator, the money is transferred to the merchant. An affiliate bank server that performs a payment so as to be processed and processes the amount of money deposited from the operator as an unpaid account;

The affiliated merchant is registered from the operator, wakes up according to the frequency of the beacon installed in the affiliated store to use the vehicle maintenance fee, executes a payment program or application, and scans or reads the affiliated store's unique code of the affiliated store terminal to scan the affiliated affiliated store. A service provider terminal for identifying and requesting payment by inputting a payment amount corresponding to the vehicle maintenance cost; And

Register the terminal and the vehicle to pay the vehicle maintenance fee from the operator, issue an affiliate store unique code of the affiliated affiliate store, register the affiliated store terminal of the affiliated affiliate store in the operator terminal, and the payment program or application of the operator terminal. When the payment request is transmitted to the affiliated bank server in the card linked with the virtual account of the operator, the payment request region and amount is determined to determine whether to approve, and the determined approval is transmitted to the affiliated store terminal. It is to provide a virtual account linked vehicle maintenance cost management service providing system comprising; payment agent service providing server for calculating the amount used by the operator to the merchant terminal.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . In addition, when a part is said to "include" a certain component, which means that it may further include other components, except to exclude other components, unless specifically stated otherwise, one or more other features It is to be understood that the present disclosure does not exclude the possibility of the presence or the addition of numbers, steps, operations, components, parts, or combinations thereof.

As used throughout the specification, the terms "about", "substantially", and the like, are used at, or in close proximity to, numerical values when manufacturing and material tolerances inherent in the meanings indicated are intended to aid the understanding of the invention. Accurate or absolute figures are used to assist in the prevention of unfair use by unscrupulous infringers. As used throughout the specification of the present invention, the term "step of" or "step of" does not mean "step for".

In the present specification, the term 'unit' includes a unit realized by hardware, a unit realized by software, and a unit realized by both. In addition, one unit may be realized using two or more pieces of hardware, or two or more units may be realized by one piece of hardware.

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

In the present specification, some of the operations or functions described as mapping or matching with a terminal mean that a unique number of a terminal or identification information of an individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a block diagram illustrating a virtual account linked vehicle maintenance cost management service providing system according to an embodiment of the present invention. Referring to FIG. 1, the virtual account linked vehicle maintenance cost management service providing system 1 includes a service provider terminal 100, a payment agent service providing server 300, an affiliate bank server 400, an affiliated merchant terminal 500, and a beacon. 600, unique identification code 700, and unique code 800. However, since the virtual account linked vehicle maintenance cost management service providing system 1 of FIG. 1 is only one embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

In this case, each component of FIG. 1 is generally connected through a network 200. For example, as shown in FIG. 1, the operator terminal 100 may be connected with the payment service providing server 300 through the network 200. In addition, the operator terminal 100 may be directly or indirectly connected to the affiliated bank server 400 through the payment agency service providing server 300 through the network 200. In addition, the affiliated bank server 400 may be connected to the operator terminal 100 through the payment agent service providing server 300. In addition, the beacon 600 may be connected to the operator terminal 100 through the network 200.

Here, the network 200 refers to a connection structure capable of exchanging information between each node, such as a plurality of terminals and servers, one example of such a network 200 is a 3rd Generation Partnership Project (3GPP) network, Long Term Evolution (LTE) networks, 5th Generation Partnership Project (5GPP) networks, World Interoperability for Microwave Access (WIMAX) networks, the Internet, Local Area Networks, Wireless Local Area Networks, and WANs Wide Area Network (PAN), Personal Area Network (PAN), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network and the like, but are not limited thereto.

The operator terminal 100 may be a terminal that accesses a web page, an app page, an application, or a program provided by the payment agent service providing server 300. In this case, the operator terminal 100 may be a terminal that registers a business with the payment agent service providing server 300 and applies for a ticketing service for vehicle maintenance. In addition, the operator terminal 100, for this purpose is issued a virtual account for each collection purpose to the partner bank server 400, whereby the application is activated by the beacon 600 when the operator arrives at the merchant for vehicle management It may be a terminal. The operator terminal 100 may be a terminal that scans a unique code 800 (not shown) using an application for payment, identifies an affiliate store, and then performs payment. In addition, the operator terminal 100 may be a terminal that executes an application only when the unique identification code 700 attached to the vehicle is scanned to prevent fraudulent use of the operator card. In addition, the operator terminal 100 may be registered in plural, and may be a card using a payment means associated with a virtual account of the operator other than the operator, and a terminal of all payers using the application.

Here, the operator terminal 100 may be implemented as a computer that can access a server or a terminal in a remote location through the network 200. Here, the computer may include, for example, a set top box, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the operator terminal 100 may be implemented as a terminal that may be connected to a server or terminal in a remote place through the network 200. The operator terminal 100 is, for example, a wireless communication device that ensures portability and mobility, and includes a navigation, a personal communication system (PCS), a global system for mobile communications (GSM), a personal digital cellular (PDC), and a personal personal health (PHS). Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminal, All types of handheld based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like may be included.

The payment agency service providing server 300 may be a server that directly or indirectly provides an app page, a web page, an application, a program, and the like, which provides a virtual account linked vehicle maintenance cost management service. In addition, the payment agent service providing server 300 receives the information of the virtual account issued by the affiliated bank server 400 to the operator terminal 100 or the affiliated bank server 400, and the vehicle maintenance cost at the operator terminal 100. In the case of using at the affiliated store, the settlement to the affiliated store may be performed in real time or next day, and the server may request a payment to the affiliated bank server 400. In this case, an amount including a fee may be charged. In addition, the payment agent service providing server 300 may be a server controlling the operator terminal 100 to wake up and activate using the beacon 600 in the affiliated merchant terminal 500. In addition, the payment agent service providing server 300 manages the unique identification code 700 attached to the vehicle of the operator, by allowing the payment is activated only when the unique identification code 700 is scanned in the operator terminal 100 In addition, it shall be possible to prevent a person other than a vehicle registered with a business operator from misusing the maintenance cost of the business owner. In addition, the payment agent service providing server 300 manages the beacon 600 and the affiliated merchant terminal 500, issues and manages the unique code 800 and the unique identification code 700, and the operator terminal 100. It may be a server for identifying the payer by issuing and managing the identification code for each program or application installed in the.

In this case, the payment agent service providing server 300 may be implemented as a computer that can access a server or a terminal in a remote location through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like, equipped with a web browser.

The affiliated bank server 400 may be a server that receives and issues a request for a virtual account from a business operator, receives a deposit from a business operator to provide a gas sourcing service, and provides a service in connection with an automatic loan. In addition, the affiliated bank server 400 may be a server that pays an amount including a fee when a payment request is received from the settlement service provider server 300. In this case, the affiliated bank server 400 may be implemented as a computer that can access a server or a terminal at a remote location through the network 200. Here, the computer may include, for example, a notebook, a desktop, a laptop, and the like, equipped with a web browser.

The affiliated merchant terminal 500 may be a terminal capable of QR code payment. In this case, when the affiliated merchant terminal 500 receives payment by a card, after identifying the unique identification code 700 of the vehicle, the affiliated merchant terminal 500 may be a terminal that checks the vehicle and performs the payment. In addition, the affiliated merchant terminal 500 may be associated with the beacon 600, may enable the application of the operator terminal 100 by the signal of the beacon 600. In addition, the affiliated merchant terminal 500 may be a terminal that performs wireless communication so that payment is made at the price input from the affiliated merchant terminal 500 in the application of the operator terminal 100 scanning the unique code 800.

Here, the affiliated merchant terminal 500 may be implemented as a computer that can access a server or terminal in a remote location through the network 200. Here, the computer may include, for example, a POS terminal, a card terminal, a laptop equipped with a web browser, a desktop, a laptop, and the like. In this case, the operator terminal 100 may be implemented as a terminal that may be connected to a server or terminal in a remote place through the network 200. The affiliated merchant terminal 500 is, for example, a wireless communication device that ensures portability and mobility, and includes navigation, personal communication system (PCS), global system for mobile communications (GSM), personal digital cellular (PDC), and PHS ( Personal Handyphone System (PDA), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT) -2000, Code Division Multiple Access (CDMA) -2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet (WBRO) terminals , Handheld-based wireless communication devices such as smartphones, smartpads, tablet PCs, and the like.

The beacon 600 may be a device for activating and executing an application of the operator terminal 100 when transmitting a specific frequency and receiving it from the operator terminal 100.

Unique identification code 700 and unique code 800 may be a code for identifying a vehicle and identifying a merchant. This may be in the form of a simple sticker that does not transmit a frequency with a passive code, or may be provided with an active element that provides a code or frequency that directly identifies itself. The communication method is not limited to RFID, ultrasonic waves, Bluetooth, etc. It will be apparent that various communication methods may be used.

2 is a diagram illustrating a payment agency service providing server illustrated in FIG. 1, and FIG. 3 is a diagram illustrating an embodiment in which a virtual account linked vehicle maintenance cost management service according to an embodiment of the present invention is implemented. .

2, the payment service providing server 300 according to an embodiment of the present invention may include a storage unit 310, a register unit 320, a scan unit 330, a permit unit 340, and an implementation unit ( 350).

Another server (not shown) that operates in connection with the payment agency service providing server 300 or the payment agent service providing server 300 according to an embodiment of the present invention is a virtual terminal linked vehicle maintenance cost management service to the operator terminal 100. When transmitting an application, a program, an app page, a web page, or the like, the operator terminal 100 may install or open a virtual account linked vehicle maintenance service application, a program, an app page, a web page, and the like. In addition, the service program may be driven in the operator terminal 100 using a script executed in a web browser. Here, the web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext described in HTML (hyper text mark-up language), for example, Netscape. , Explorer, chrome and the like. In addition, an application means an application on a terminal, and includes, for example, an app running on a mobile terminal (smartphone).

At this time, the connection of the network 200, the operator terminal 100, payment agency service providing server 300, affiliated bank server 400, affiliated merchant terminal 500, beacon 600 is connected to the network 200 It means to create a communication object in the communication contact for communication with the terminal. The payment agency service providing server 300 may exchange data with each other through a communication object.

The storage unit 310 may store a virtual account assigned and issued by the at least one affiliated bank server 400 according to the purpose of collection of the operator with the operator terminal 100 which is the operator's terminal.

The registration unit 320 may receive a card mapped to a virtual account and a vehicle identification code from the operator terminal 100.

When the application installed in the operator terminal 100 is activated from the affiliated merchant terminal 500 and operated in the front ground, the scan unit 330 may cause the operator terminal 100 to scan a unique code of the affiliated merchant terminal 500. Can be.

The permission unit 340, when the unique code is scanned in the operator terminal 100, a condition that satisfies the predetermined region and the amount is input, and when receiving a request for approval from the affiliated merchant terminal 500, the payment approval is granted. can do. In this case, the condition that satisfies the predetermined region and the amount of money, the condition including whether or not less than the amount of the pre-stored amount of the vehicle maintenance costs, less than the maximum daily fuel supply, and whether or not the predetermined region Can be. In addition, a condition for executing a program or application for payment of the operator terminal 100 may be limited to a case where a unique identification code of a vehicle registered by the operator is recognized and a beacon signal interlocked with the affiliated merchant terminal 500 is input. Can be.

For example, two cases in which a user uses a vehicle maintenance cost may use an application or a card.

In the first case, assume that a user makes a payment using an application. In this case, the user may bring a registered vehicle from the operator to fix the vehicle, or to refuel, or to bring the vehicle that is not registered to fix the vehicle or to refuel. The latter is a case of personally using a business card, and there is no way to prevent or confirm this case. Therefore, when using the application, be sure to check whether the affiliated merchants (confirmed by the beacon 600), or whether they bring their registered vehicle (confirmed by the unique identification code 700), thereby limiting the area and amount of money. In addition, it is possible to prevent operators from exploiting costs.

In the second case, when a user makes a payment using a card, there is no way to check whether the vehicle is a vehicle of an operator or a vehicle owned by the owner. In this case, it may be possible only when the affiliated merchant terminal 500 identifies the unique code 700 attached to the operator's vehicle. Through this, it is possible to prevent the case of misusing the corporate card or the card of the operator, and to check the correct settlement and the use place, the settlement process can be simplified.

The implementation unit 350 may transmit the settlement approved amount to the affiliated bank server 400 to transmit a settlement request and perform settlement at the affiliated merchant terminal 500.

On the other hand, in the licensed unit 340 when the unique code is scanned in the operator terminal 100, a condition that satisfies the predetermined region and the amount is input, and when receiving the approval request from the affiliated merchant terminal 500, payment approval When the authorization, the card is recognized in the affiliated merchant terminal 500, when the affiliated merchant terminal 500 recognizes the vehicle identification code, and when receiving an authorization request from the affiliated merchant terminal 500, the step of authorizing the payment authorization It can be used as a substitute for the card as well as the application.

In summary, the operator terminal 100 is registered from the operator and wakes up according to the frequency of the beacon installed in the affiliated store affiliated to use the vehicle maintenance cost to execute a payment program or an application, and scans the merchant specific code of the merchant terminal or The affiliated merchants may be identified by reading, and payment may be requested by inputting a payment amount corresponding to the vehicle maintenance cost.

 The payment agency service providing server 300 registers a terminal and a vehicle for paying a vehicle maintenance fee from a business operator, issues a merchant unique code of an affiliated merchant, and registers affiliated merchant terminals of the affiliated merchant in the operator terminal 100, When a payment request is transmitted to the affiliated bank server 400 from a payment program or application of the operator terminal 100 and a card linked to the operator's virtual account, the payment request region and amount are determined to determine whether to approve the payment. The determined approval status may be transmitted to the affiliated store terminal, and the amount of money used by the service provider may be settled to the affiliated store terminal.

The affiliated bank server 400, upon request for issuance of a virtual account from the operator, grants and issues a virtual account for each collection purpose, and when the vehicle maintenance fee associated with the virtual account is used in the preset merchant, the affiliate store Payment can be made so that the payment can be processed, and the amount deposited from the business operator can be processed as an unpaid account. In addition, when the affiliated bank server 400 does not receive a deposit from a business operator, the affiliated bank server 400 may be automatically linked to a loan equal to a prepaid amount.

In addition, the affiliated merchant terminal 500 may wake up and activate a payment program or application when the affiliated affiliate store 500 recognizes a vehicle identification code included in a vehicle registered from a business operator. At this time, if the operator makes a payment request from the merchant terminal with a card other than the program or application in the operator terminal 100, the affiliated merchant terminal 500 recognizes a case in which the vehicle identification code is disposed on the vehicle registered by the operator. The payment request service server 300 may transmit a payment request.

Hereinafter, the virtual account linked vehicle maintenance cost management service having the above-described configuration will be described with reference to FIG. 3.

Referring to FIG. 3, (a) a business operator registers a business, receives a virtual account, and deposits 1 million won per month into the virtual account. At this time, (b) the settlement service provider server 300 receives the registration from the affiliated merchant terminal 500, the affiliated bank server 400, the operator terminal 100 and share the information. Then, (c) when the operator arrives at the gas station in the vehicle registered with the operator terminal 100, the operator terminal 100 is activated and wake-up by the beacon 600 and execution starts.

Then, (d) when the operator terminal 100 scans the unique code 800 attached to the affiliated merchant, a screen for inputting an amount of money is output and the payment is made at the amount input from the affiliated merchant terminal 500. . At this time, when the payment is completed in the operator terminal 100, the affiliated merchant terminal 500 may receive the result from the payment service provider server 300 to complete the payment.

Alternatively, (e) the operator terminal 100 may perform a payment by reading a card wirelessly.

Then, (f) when the payment is completed, the operator terminal 100 receives the message that the payment is completed, and transmits to the other terminal of the operator linked with the operator terminal 100 to perform the settlement based on the history You can do it fast.

2 and 3 that are not described about the method for providing a virtual account linked vehicle maintenance cost management service of FIG. 1 is the same as or described above with respect to the method for providing a virtual account linked vehicle maintenance cost management service through FIG. Since it can be easily inferred, a description thereof will be omitted.

FIG. 4 is a diagram illustrating a process of transmitting and receiving data between components included in the virtual account linked vehicle maintenance cost management service providing system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each component will be described with reference to FIG. 4, but the present disclosure is not limited to the above-described embodiments, and is illustrated in FIG. 4 according to the various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data may be changed.

Referring to FIG. 4, a virtual account is opened from the operator terminal 100 to the partner bank server 400 (S4100), the deposit is made (S4200), and the payment agency service providing server 300 is an affiliated merchant terminal 500. Receive a registration from (S4300), and receives the purpose and the amount of the account collection from the partner bank server (400) (S4400).

In addition, the payment agent service providing server 300, the database of the information of the operator, bank, affiliated stores (S4500), when receiving the payment terms from the operator terminal (100) (S4600), the payment terms are mapped to the operators carriers Register with the information of (S4700).

And, the payment agent service providing server 300, by issuing a unique code to the affiliated merchant terminal 500 to attach to the affiliated store (S4800).

On the other hand, to the payment agent service providing server 300, the operator terminal 100 performs a user registration and vehicle registration (S4810), and issues a vehicle identification code to the operator terminal 100 (S4820).

When the beacon 600 transmits a signal and recognizes the vehicle identification code in the operator terminal 100 (S4840), activates the application (S4960), and recognizes the unique code of the affiliated merchant terminal 500 (S4870). Identify (S4880).

Then, the operator terminal 100 and the affiliated merchant terminal 500 proceed with the payment (S4890), and when the affiliated merchant terminal 500 requests an approval from the payment agent service providing server 300 (S4900), The payment agency service providing server 300 checks whether the predetermined condition is satisfied (S4910), and when the condition is satisfied, the payment agency service providing server 300 transmits the approval result to the affiliated merchant terminal 500. And (S4920), and transmits the message of the completion of payment to the operator terminal 100 (S4930), and settles to the affiliated merchant terminal 500 (S4940).

The order between the above-described steps S4100 to S4940 is merely an example, and is not limited thereto. That is, the order between the above-described steps (S4100 to S4940) may be interchanged, and some of the steps may be executed or deleted at the same time.

The matters that are not described for the method for providing a virtual account linked vehicle maintenance cost management service of FIG. 4 are the same as or have been described above with respect to the method for providing a virtual account linked vehicle maintenance cost management service through FIGS. 1 to 3. Since it can be easily inferred, a description thereof will be omitted.

5 is a flowchart illustrating a method for providing a virtual account linked vehicle maintenance management service according to an embodiment of the present invention. Referring to FIG. 5, the settlement agent service providing server maps and stores a virtual account granted and issued for each collection purpose of an operator from at least one affiliated bank server with an operator terminal which is an operator's terminal (S5100).

In addition, the payment agent service providing server registers the card and the vehicle identification code mapped to the virtual account from the operator terminal (S5200), and receives the card and the vehicle identification code mapped to the virtual account from the operator terminal (S5300). .

In addition, the payment agent service providing server, if the application installed in the operator terminal is activated from the affiliated merchant terminal and operated in the front ground, the operator terminal to scan the unique code of the affiliated merchant terminal (S5400), the unique code in the operator terminal When scanning, a condition that satisfies the preset region and amount is input, and when the approval request is received from the affiliated merchant terminal, the payment approval is permitted (S5500).

Finally, the payment agent service providing server transmits the payment approved amount to the affiliated bank server, transmits the settlement request, and performs settlement to the affiliated merchant terminal (S5600).

The matters that are not described for the method for providing a virtual account linked vehicle maintenance cost management service of FIG. 5 are the same as or described above with respect to the method for providing a virtual account linked vehicle maintenance cost management service through FIGS. 1 to 4. Since it can be easily inferred, a description thereof will be omitted.

The method for providing a virtual account linked vehicle maintenance management service according to an embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including instructions executable by a computer such as an application or a program module executed by a computer. Can be. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, computer readable media may include all computer storage media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data.

In the above-described method for providing a virtual account linked vehicle maintenance management service according to an embodiment of the present invention, an application basically installed in a terminal (which may include a program included in a platform or an operating system basically mounted in the terminal) It may be executed by an application (ie, a program) installed by the user directly on the master terminal through an application providing server such as an application store server, an application, or a web server associated with the corresponding service. In this sense, the above-described method for providing a virtual account linked vehicle maintenance management service according to an embodiment of the present invention is implemented as an application (that is, a program) that is basically installed in a terminal or directly installed by a user, and is provided to a computer such as a terminal. It can be recorded on a readable recording medium.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form. In addition, although the above embodiments have described transactions through affiliated banks, the present invention is also applicable to a blockchain which is a currency system directly managed by users.

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

The present invention can be applied to a method field for providing a service for linking an auto loan with a virtual account service for a vehicle maintenance expenses in conjunction with a virtual account.

Claims (7)

Upon receiving a request for issuing a virtual account from a business operator, granting and issuing a virtual account for each collection purpose, and when a vehicle maintenance fee associated with the virtual account is used in a predetermined merchant among the amounts deposited from the business operator, payment is processed to be deposited to the merchant. An affiliated bank server that performs and processes the amount of money deposited from the operator as an unpaid account; The affiliated merchant is registered from the operator, wakes up according to the frequency of the beacon installed in the affiliated store to use the vehicle maintenance fee, executes a payment program or application, and scans or reads the affiliated store's unique code of the affiliated store terminal to scan the affiliated affiliated store. A service provider terminal for identifying and requesting payment by inputting a payment amount corresponding to the vehicle maintenance cost; And Register the terminal and the vehicle to pay the vehicle maintenance fee from the operator, issue an affiliate store unique code of the affiliated affiliate store, register the affiliated store terminal of the affiliated affiliate store in the operator terminal, and the payment program or application of the operator terminal. When the payment request is transmitted to the affiliated bank server in the card linked with the virtual account of the operator, the payment request region and amount is determined to determine whether to approve, and the determined approval is transmitted to the affiliated store terminal. A payment agent service providing server configured to settle the amount used by the service provider to the affiliated store terminal; Virtual account linked vehicle maintenance cost management service providing system comprising a. The method of claim 1, When the operator terminal recognizes the vehicle identification code included in the vehicle registered from the operator in the affiliated merchant, the virtual account linked vehicle maintenance cost management service, characterized in that to wake up and activate the payment program or application Provide system. The method of claim 1, If the operator makes a payment request from the affiliated store terminal with the card, in addition to a program or application in the operator terminal, the affiliated merchant terminal recognizes the vehicle identification code placed in the vehicle registered by the operator. Virtual account linked vehicle maintenance cost management service providing system, characterized in that for transmitting a payment request to the agency service providing server. The method of claim 1, The affiliated bank server, the virtual account linked vehicle maintenance cost management service providing system, characterized in that when the deposit from the operator is automatically linked to the loan as much as the prepaid amount. In the method for providing a virtual account linked vehicle maintenance cost management service executed in the payment agency service providing server, Mapping and storing a virtual account assigned and issued by at least one affiliated bank server for each collection purpose of an operator with an operator terminal which is a terminal of the operator; Receiving a card and a vehicle identification code mapped to the virtual account from the operator terminal; If the application installed in the operator terminal is activated from the affiliated merchant terminal and operated in the front ground, causing the operator terminal to scan a unique code of the affiliated merchant terminal; Authorizing payment approval when the unique code is scanned in the operator terminal, a condition satisfying a preset region and amount, and an approval request is received from the affiliated merchant terminal; And Transmitting the settlement approved amount to the affiliated bank server to transmit a settlement request, and performing settlement to the affiliated affiliated store terminal; Virtual account linked vehicle maintenance cost management service providing method comprising a. The method of claim 5, wherein The condition that satisfies the preset region and amount, A condition including whether it is less than the amount of money previously mapped to the type of the vehicle maintenance cost, whether it is less than the maximum daily fuel supply amount, and whether it is a predetermined area, The condition for executing a program or application for payment of the operator terminal is limited to a case where a unique identification code of a vehicle registered by the operator is recognized and a beacon signal interlocked with the affiliated merchant terminal is input. How to provide linked account maintenance service. The method of claim 5, wherein When the unique code is scanned in the operator terminal, a condition that satisfies a predetermined region and amount is input, and the approval request is received from the affiliated merchant terminal, the step of granting the approval of the payment, When the card is recognized in the affiliated affiliated store terminal, the affiliated affiliated store terminal recognizes the vehicle identification code, and receives the approval request from the affiliated affiliated store terminal, the virtual replacement, it is possible to substitute the step of granting the payment approval How to provide linked account maintenance service.

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