APPARATUS OF PROVIDING SETTLEMENT SERVICE FOR MINOR

摘要

The present invention relates to a technology for providing a payment service for minors based on a virtual account, a virtual account providing unit that creates a virtual account connected to a real account of a parent and provides the virtual account to the underage children of the parent, and the virtual account from a payment terminal. A deposit request receiving unit that receives a deposit request along with payment details information including an account number, payment amount, and deposit account number, determines whether or not the parent terminal agrees to transfer the payment amount, and if there is consent, the bank server sends the reminder. A transfer processing unit that transfers the payment amount from a real account linked to a virtual account number to the deposit account number, and a virtual allowance including a limit and period is paid to the virtual account number, and there is a request for withdrawal of the allowance. Includes an allowance management unit for processing to withdraw the requested amount from the real account of the parent.