# US 2014/0207679 A1 · Online money transfer service in connection with instant messenger > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0207679 A1 - Document ID: US20140207679A1 - Status: Published application - Kind: A1 - Application number: 14/160,787 - Filed: 2014-01-22 - Published: 2014-07-24 - Earliest claimed: 2013-01-23 - Assignees: Kt Corporation - Applicants: Kt Corporation - Inventors: Young-Bin CHO - Web page: https://patentgrep.com/patent/US20140207679A1 ## CPC - G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3229: {Use of the SIM of a M-device as secure element} - H04L 51/046: Interoperability with other network applications or services - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract The disclosure is related to performing online money transfer operation in connection with an instant messenger installed in and executed by user equipment. First user equipment may monitor messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation. The first user equipment may obtain information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result. The first user equipment requests a service server to perform the online money transfer operation based on the obtained information. ## Claims ### Claim 1 A method of performing online money transfer operation in connection with an instant messenger at first user equipment, the method comprising: monitoring messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation; obtaining information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result; and requesting a service server to perform the online money transfer operation based on the obtained information. ### Claim 2 (depends on 1) The method of claim 1, wherein the monitoring messages includes: initiating the online money transfer operation upon initiation of the instant messenger; determining whether any word in the messages is matched with a predetermined service initiation word; and invoking an online money transfer event when at least one word in the messages is matched with the predetermined service initiation word. ### Claim 3 (depends on 1) The method of claim 1, wherein the predetermined service initiation word is set by at least one of associated user, a service provider, and a system designer and is made of any combination of alphabets, numbers, characters, and symbols. ### Claim 4 (depends on 1) The method of claim 1, wherein the obtaining information on an online money transfer event includes: analyzing messages exchanged between the first user equipment and the second user equipment before the predetermined service initiation word and related to the online money transfer event; and detecting the information on the online money transfer event based on the analysis result. ### Claim 5 (depends on 1) The method of claim 1, wherein the information on the online money transfer event includes at least one of a sender, a recipient, a transfer amount, a transfer date, a transfer time, a transfer method, and a telephone number. ### Claim 6 (depends on 1) The method of claim 1, wherein the requesting a service server includes: generating an online money transfer request to include the obtained information on the online money transfer event; and transmitting the generated online money transfer request to the service server. ### Claim 7 (depends on 1) The method of claim 1, comprising: receiving a confirmation message from the service server in response to the requesting; and displaying the confirmation message within a graphic user interface of the instant messenger and inquiring an associated user to select one of confirmation approval and for confirmation denial. ### Claim 8 (depends on 7) The method of claim 7, wherein the displayed confirmation message includes at least one of a sender, a recipient, a transfer amount, a transfer date, a transfer time, a transfer method, and a telephone number, which are determined by the service server based on the information included in the online money transfer request. ### Claim 9 (depends on 1) The method of claim 1, comprising: transmitting at least one of a confirmation approval message and a confirmation denial message to the service server based on the user selection; and receiving an online money transfer result from the service server. ### Claim 10 (depends on 1) The method of claim 1, comprising: storing the received online money transfer result, the detected service initiation word, and the messages related to the invoked online money transfer event in a universal subscriber identity module (USIM) of the first user equipment. ### Claim 11 A method of online money transfer operation at a service server, the method comprising: receiving an online money transfer request from first user equipment in order to transfer money from the first user equipment to second user equipment; obtaining information on an online money transfer event from the received online money transfer request; and performing an online money transfer operation based on the obtained information. ### Claim 12 (depends on 11) The method of claim 11, wherein the online money transfer request is generated by the first user equipment when the first user equipment detects a predetermined service initiation word included in messages transmitted to and received from others through an instant messenger. ### Claim 13 (depends on 11) The method of claim 11, wherein the obtaining information includes: extracting the information on the online money transfer event from the received online money transfer request; and determining a sender, a recipient, a transfer amount, a transfer date, and a transfer time based on the extracted information. ### Claim 14 (depends on 11) The method of claim 11, comprising: generating a confirmation message to include the obtained information on the online money transfer event; and transmitting the generated confirmation message to the first user equipment and the second user equipment in order to confirm the obtained information with the first user equipment and the second user equipment. ### Claim 15 (depends on 14) The method of claim 14, wherein the generating a confirmation message includes: determining a sender, a recipient, a transfer amount, a transfer date, and a transfer time based on the obtained information on the online money transfer event; generating the confirmation message to include information on the determined sender, the determined recipient, the determined transfer amount, the determined transfer date, and the determined transfer time; and transmitting the generated confirmation message to the first user equipment and second user equipment in order to confirm at least one of the determined sender, the determined recipient, the determined transfer amount, the determined transfer date, and the determined transfer time. ### Claim 16 (depends on 11) The method of claim 11, wherein the performing an online money transfer operation includes: requesting communication service servers of the first user equipment and the second user equipment to perform a money transfer operation between service accounts associated with the first user equipment and the second user equipment based on the obtained information when a confirmation approval message is received from both of the first user equipment and the second user equipment. ### Claim 17 The method of clam 16, wherein after performing the money transfer operation, the communication service servers of the first user equipment and the second user equipment perform one of: generating an invoice based on the transferred amount of money and sending out the generated invoice to the first user equipment and the second user equipment; and electrically withdrawing the transferred amount of money from or depositing the transferred amount of money to bank accounts associated with the first user equipment and the second user equipment. ### Claim 18 (depends on 11) The method of claim 11, comprising: generating an online money transfer result message to include information on a result of perform the online money transfer operation; and transmitting the generated result message to the first user equipment and the second user equipment. ### Claim 19 User equipment for performing an online money transfer operation in connection with an instant messenger, the user equipment configured to: monitor messages transmitted to and received from second user equipment through the instant messenger upon initiation of the online money transfer operation; obtain information on an online money transfer event upon detection of a predetermined service initiation word based on the monitoring result; and request a service server to perform the online money transfer operation based on the obtained information. ### Claim 20 (depends on 19) The user equipment of claim 19, wherein the user equipment is configured to: receive a confirmation message from the service server in response to the request; display the confirmation message within a graphic user interface of the instant messenger and inquire an associated user to select one of confirmation approval and for confirmation denial; transmit at least one of a confirmation approval message and a confirmation denial message to the service server based on the user selection; and receive an online money transfer result from the service server.