Patent ID: 7665657
Filing Date: 2010-02-23
Classification: G06Q,G07F

Abstract:
1. A method of transacting by linking a primary account and secondary accounts, based on a bank transaction system comprising: a main computer system managing transactions on account holder's accounts including the primary account and the secondary accounts; a database connected to the main computer system and configured to store account holder's account information which is saved and managed by the main computer system; and a payment gateway connected to the main computer system and configured to manage payment between the main computer system and external merchants and/or banks, the method comprising the steps of: creating a transaction request at a user terminal and sending the created transaction request to the main computer system, and in response the main computer system sends an account data request to the user terminal; sending account data from the user terminal to the main computer system; the main computer system classifying the linked primary and secondary accounts based on account classification codes and notifying a linked account translator which is connected to the main computer system and configured to store and manage the primary account and linked secondary accounts; the linked account translator providing the main computer with information related to the classified primary account and linked secondary accounts; selecting transaction accounts to be involved in the transaction from the primary account and linked secondary accounts according to data received from the user terminal; the main computer system receiving transaction information related to a type of transaction and a transaction amount from the user terminal, and storing the transaction information in a common account configured to store the transaction information during the transaction; and the main computer system sending the stored transaction information to the linked account translator to update the primary account and linked secondary accounts based on the transaction information to finish the transaction, wherein the user terminal is selected from a bank computer system, a card transaction terminal connected via a VAN (Value-Added Network), and an authorized financial trade institute computer system via a network, the main computer system sends the account data request to the bank computer system, the card transaction terminal or the authorized financial trade institute computer system via the payment gateway in receipt of the transaction request, the account data including an account number is sent to the main computer system via the payment gateway, the main computer recognizes the account number as a linked account according to the account classification codes and transmits the account number to the linked account translator system, in receipt of the account data, the user terminal transmits a transaction terminal ID to the main computer system and the main computer system sends the transaction terminal ID to the linked account translator, the linked account translator determines whether the transaction terminal ID is associated with one or more accounts of the linked primary and secondary accounts, and causes the transaction to be made on the associated one or more accounts, and the main computer system transmits a determination result to the payment gateway and adjusts the common account based upon the transaction information.