| 摘要 |
A method for providing a banking service among virtual accounts using an integrated account is provided to enable a bank to reduce expense burden for constructing, maintaining and managing a server by reducing a transfer frequency from one real account to another real account in the banking service and enable a user to reduce a fee for using the banking service. A banking service providing server receives terminal information linked with the virtual account of a buyer and purchase information from a seller terminal. The server transmits the purchase information to a buyer terminal and requests a password. The server authenticates settlement by using the received password. If the banks of the integrated account linked with the virtual account of a seller and the buyer are different, the server records transfer particulars between the integrated accounts, subtracts a purchase price from the virtual account of the buyer terminal and adds the purchase price to the virtual account of the seller terminal(S152). If a settlement time point is reached, the server requests the transfer of a difference between the integrated accounts by settling the transfer particulars between the integrated accounts of each bank(S190). |
