KR100348997B1 - A reservation service method and system for account transfer using internet - Google Patents

Abstract

According to the present invention, one or more persons can make a reservation for remittance of a specified amount of money on each specific day in the future through a wire transfer, or periodically make a wire transfer for a specified number of times for a specific period (month, quarter, half year, year, etc.). The present invention relates to a method for providing an account transfer reservation service using the Internet and a system thereof, which can process reservations remitted through the Internet. Accessing a server to reserve an account transfer; (b) performing an account transfer on the date the customer reserves the account transfer of the customer stored in the financial institution server; And (c) transmitting the account transfer result from the financial institution server to an e-mail address set in the user computer of the customer.

According to the present invention, by accessing a server of a financial institution using the Internet, the bank transfer is booked and executed, thereby facilitating the convenience of the head and reducing the labor cost of the financial institution.

Description

A reservation service method and system for account transfer using internet}

The present invention relates to a bank transfer and remittance method, and more particularly to a method and system for providing a bank transfer service using the Internet.

Currently, financial institutions, such as banks, provide services for customers to transfer money to specific persons through bank transfers or through automated teller machines. However, the service is only applied to the direct deposit of one person versus one person. Of course, in case of paying regular or utility bills, the bank transfer is an exception. In other words, a monthly change in utility bills from a specific financial institution deposit account in accordance with a service and a contract in which the same amount is automatically transferred to a regular money account from a deposit account designated by a contract with a specific person on a monthly basis. A service is provided in which the amount is automatically transferred to the designator.

Therefore, a customer may not make a reservation for one or more persons to remit a specified amount of money on a specific future date by wire transfer. Except for the transfer of funds to the financial institution, such as periodical payments, reservations for regular remittances through wire transfers for a specified number of times (month, quarter, half-year, year, etc.) cannot be processed at one time.

The technical problem to be achieved by the present invention is to make a reservation for remitting a specified amount of money to one or more persons on each specific day in the future through a wire transfer or for a specified number of times per month (quarter, quarter, half-year, year, etc.). The present invention provides a method and a system for providing an account transfer reservation service using the Internet, which can periodically process a reservation for remittance through wire transfer.

Figure 1 shows the configuration of a bank transfer reservation service system using the Internet according to the present invention.

2 is a flowchart illustrating a method for providing a deposit transfer reservation service using the Internet according to the present invention.

3 illustrates an embodiment of a screen for creating a transfer request information.

The method for providing a bank transfer reservation service according to the present invention for solving the above technical problem is a method of making an account transfer by accessing a server of a financial institution using the Internet. Accessing a server to reserve an account transfer; (b) performing an account transfer on the date the customer reserves the account transfer of the customer stored in the financial institution server; And (c) transmitting the account transfer result from the financial institution server to an e-mail address set in the user computer of the customer.

In addition, in step (a), a customer accesses a financial institution internet site that provides an account transfer service using a user computer, and selects one of [immediate money transfer] and [scheduled money transfer] of [account transfer] on the initial screen. It is characterized by.

In addition, in the step (b), the linked screen is displayed by selecting the [reserved remittance] so that the name of the sender, the account number, the name of the recipient, the name of the financial institution, the account number, the date of the transfer, the amount of the account transfer, and multiple reservations. It is characterized by inputting descriptions such as the number of times and period of time.

In addition, step (b) is characterized in that when changing the reservation contents, click [change] to modify some of the reservation contents already entered, and click [cancel] when canceling the reservation contents.

In addition, the reservation and the change is characterized in that it includes at least one of the sender's name, account number, the recipient's name, financial institution name, account number, date of transfer, the amount of the transfer, the number and time of special reservation .

In addition, the step (c) is characterized in that when the reservation is completed, the reservation number and the reservation details are delivered to the E-mail address previously informed by the customer.

In addition, the first person who enters the site of a financial institution such as a bank is characterized by entering the information such as name, age (resident registration number), address, telephone number, e-mail address, account number.

In addition, the account of the customer who reserves the account transfer is characterized in that the amount to be sent to the designated person on the designated date and the remittance fee of the account.

In addition, the financial institution is characterized in that the reservation service fee can be additionally received.

In addition, the information notified by the e-mail is characterized in that the name of the recipient, the name of the designated financial institution, the deposit account and the transfer amount, as well as the transfer rate and foreign exchange transfer on the day applied.

In addition, the customer is characterized in that the final confirmation by checking their deposit account after receiving the result notification.

In addition, when making a reservation through a financial institution window or an automatic teller machine, it is characterized by confirming through a deposit slip, not an e-mail.

In the account transfer reservation service providing system according to the present invention for solving the other technical problem in the account transfer service providing system that automatically receives the account transfer from the customer through the network, and performs the account transfer of the customer, performing At least one financial institution server for transmitting a result to the customer; And at least one user computer capable of delivering the customer's account transfer reservation request to the operator server and being notified of the result from the operator server, wherein the financial institution server stores the customer's account transfer reservation; It is characterized in that it is programmed to check the reservation date of the customer's account transfer reservation details and automatically transfer the account to the requested account, and transfer the result of the transfer to the user's user computer.

In addition, the financial institution server is an account transfer reservation processing unit for accepting the account transfer reservation when the customer requests an account transfer reservation using a user computer; A database for storing the account transfer reservations received from the bank transfer reservation processing unit: a reservation date checker for checking a reservation date among the account transfer reservations of the customer stored in the database; An automatic transfer processing unit for automatically performing an account transfer to an account for which a customer's account transfer reservations corresponding to a reservation date checked by the reservation date checker are requested; And a result transfer unit for transmitting the result of the account transfer executed from the automatic transfer processing unit to the user computer of the customer.

In addition, the direct debit processing unit to the amount of money sent to the specified person on the designated date and the transfer fee to be taken out of the account of the customer who has booked the account transfer, the recipient's account is processed so that the amount to be sent, the foreign currency remittance It is characterized in that it further adds a function that handles the conversion operation at the applied rate.

In addition, the database stores information such as the name, age (resident registration number), address, telephone number, e-mail address, account number, etc. of customers who make a reservation at the time of account reservation, and stores the account transfer reservations and changes requested by the customer. It stores the exchange rate and remittance fee, and stores it when the operator receives the reservation service fee in addition to the remittance fee, and stores the reservation number assigned by Yanbian to the reserved customer.

In addition, even when a bank transfer service, such as a bank or automatic teller machine to change or cancel the reservation transfer service, it is characterized in that the input content is stored and processed.

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

The Internet consists of a huge number of computers and networks that interconnect these computers through communication links. Interconnected computers exchange information using a variety of services, such as email, gophers, and the World Wide Web.

The WWW allows a server computer system (eg a web server or website) to send graphical web pages of information to a remote client computer system. The remote client computer system can display a web page. Each resource of the WWW (ie, computer or web page) can be uniquely identified by a URL. To view a particular web page, the client computer system specifies the URL for that web page in the request (eg, HyperText Transfer Protocol (HTTP)). This request is forwarded to the web server that supports the web page. When the web server receives the request, the web server sends the web page to the client computer system. When the client computer system receives the web page, the client computer system displays the web page using the web browser. The web browser is a special purpose application program that enables the request of web pages and the display of web pages.

Currently, web pages are defined using the HyperText Markup Language (HTML). HTML provides a set of standard tags that define how web pages are displayed. When the user specifies the browser to display a web page, the browser sends a request to the server computer system to deliver an HTML document that defines the web page to the client computer system. When the requested HTML document is received, the browser displays the web page as specified in the HTML document. HTML documents contain various tags that control the display of text, graphics, controls, and other features. The HTML document may include URLs of server web systems or other web pages accessible on other server computer systems.

1 is a block diagram showing a configuration of a bank transfer reservation service system using the Internet according to the present invention, and includes a financial institution server 110, an internet network 120, and a user computer 130.

The financial institution server 110 stores the transfer payment details of the customer, checks the reservation date among the transfer payment reservations of the customer, and automatically executes the transfer to the requested account, and the execution result of the transfer of the customer It is programmed to transfer to the user's computer.

The financial institution server 110 is composed of a web page 111, a database 112, a bank transfer reservation processing unit 113, a reservation date check unit 114, an automatic transfer processing unit 115 and a result transmission unit 115.

Web page 111 is a page that provides services such as financial institution information, bank transfer services and account information verification, the customer accesses the Internet site of the financial institution that provides bank transfer services using a user computer in the initial screen This is a page where you can log in and enter your name, age (resident registration number), address, phone number, e-mail address, account number, and more.

The database 112 stores the bank transfer reservation information received from the bank transfer reservation processing unit 113.

The bank transfer reservation processing unit 113 accepts the bank transfer reservation when the customer requests a bank transfer reservation using a user computer.

The reservation date checker 114 checks a reservation date among the customer's account transfer reservations stored in the database 112.

The automatic transfer processing unit 115 automatically transfers the funds to the account requested for the account transfer reservation of the customer corresponding to the reservation date checked by the reservation date checker 114.

The result transmission unit 116 transmits the result of the account transfer execution processed from the automatic transfer processing unit 115 to the user computer of the customer.

The account transfer reservation service providing system using the Internet according to the present invention is a reservation system for remittance through an account transfer at a specific time after the present.

2 is a flowchart illustrating a method for providing a deposit transfer reservation service using the Internet according to the present invention.

The first step is a step in which a customer accesses a server of a financial institution using a user computer and reserves an account transfer (S210).

The customer must enter the Internet site of a financial institution, such as a bank, that provides this service. On the financial institution's Internet site, double-click on [Remittance Transfer] in [Transfer] and [Reservation Transfer]. The screen of FIG. 3 is then linked.

Fill in the blanks of Figure 3 and click on the [reservation] of [reservation], [change], [cancel] at the bottom of the reservation application is terminated.

When the reservation is finished, the reservation number and details will be sent to the e-mail address provided. When changing the reservation contents, click [Change] to modify some of the contents of FIG. 3, and when canceling the reservation contents, click [Cancel].

The linked screen appears by selecting [Scheduled Transfer] and the details of the sender's name, account number, recipient's name, financial institution name, account number, bank transfer date, bank transfer amount, number and period of multiple reservations, etc. If you make a change to the reservation, click [Change] to modify some of the reservations already entered, or click [Cancel] to cancel the reservation.

The reservation and change details include at least one of a sender's name, an account number, a recipient's name, a financial institution name, an account number, a date of transfer, a transfer amount, and a number and time of special reservation.

The first person to enter this site is [Login] to enter information such as name, age (resident registration number), address, telephone number, e-mail address, account number.

Of course, you can make a reservation through the window of a financial institution such as a bank or an automatic teller machine.

The second step is to perform the account transfer on the date the customer reserves the account transfer of the customer stored in the financial institution server (110) (S220).

This is the stage where a financial institution, such as a bank, performs a bank transfer booked by a customer. The bank transfer information reserved by the customer is stored in the database 112 of the financial institution server 110 as it is, and the bank transfer is performed according to the reservation contents on the corresponding day.

That is, the reservation date is checked by the reservation date checker 114 among the customer's account transfer reservations stored in the database 112.

The account transfer is automatically executed by the automatic transfer processing unit 115 to the account requested for the account transfer reservation of the customer corresponding to the reservation date checked by the reservation date checker 114.

In this case, the amount of money to be sent to the designated person and the remittance fee are deducted from the account of the customer who reserves the transfer. Of course, you can get additional reservation service fees.

The third step is the step of transmitting the account transfer result from the financial institution server 110 to the e-mail address set in the user computer 113 of the customer (S230).

The result of the account transfer execution processed by the automatic transfer processing unit 115 is transmitted by the result transfer unit 116 to the user computer 130 of the customer.

The information provided here includes the name of the recipient, the name of the designated financial institution, the deposit account and the amount of the deposit, as well as the transfer fee and the day's rate of exchange for remittances.

After receiving the result notification, the customer can check his deposit account and confirm it. In the first step, when a reservation is made through a financial institution window or a cash dispenser, such as a bank, it is confirmed through a deposit slip, not an e-mail.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, which are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The drawings and specification are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention, by accessing a server of a financial institution using the Internet, the bank transfer is booked and executed, thereby facilitating the convenience of the head and reducing the labor cost of the financial institution.

Claims (17)

In the method of making a wire transfer by connecting to a server of a financial institution using the Internet, (a) receiving a reservation for an account transfer by receiving a connection to a server of a financial institution using a user computer of a customer; (b) performing an account transfer to the automatically inputted account when the input reservation date arrives; And (c) transmitting the account transfer result to an e-mail address set in the user's computer of the customer who has entered the reservation of the account transfer. The method of claim 1, wherein step (a) Method for providing a bank transfer reservation service using the Internet, characterized in that any one of [immediate transfer] and [scheduled transfer] of [account transfer] is selected from the initial screen of the Internet site of the financial institution that provides the account transfer service from the customer . The method of claim 1, wherein step (a) If the customer selects [Reservation], the details including the sender's name, account number, recipient's name, financial institution name, account number, date of bank transfer, the amount of money transfer, and the number and period of multiple reservations Bank transfer reservation service providing method using the Internet, characterized in that for receiving the input. The method of claim 1, wherein step (a) When the reservation contents are changed, the [Change] button is selected, and when the modification of some of the reservation contents already entered or the [Cancel] button is selected when the reservation contents are canceled, the method of providing a bank transfer reservation service using the Internet. The method of claim 4, wherein The reservation and changes may include at least one of the sender's name, account number, recipient's name, financial institution's name, account number, date of bank transfer, the amount of the bank transfer, and the number and period of special reservations. How to provide a deposit transfer reservation service. The method of claim 1, wherein step (c) The method of providing a bank transfer reservation service using the Internet, characterized in that the reservation number and reservation details are delivered to the e-mail address provided by the customer when the reservation is completed. The method of claim 1, Checking whether the customer is the first time to access the first time the first time access to provide the account transfer reservation service using the Internet, characterized in that the input information including the name, age (resident registration number), address, telephone number, e-mail address, account number Way. The method of claim 1, The method of providing a bank transfer reservation service using the Internet, characterized in that the amount of money sent to the designated person on the designated date and the remittance fee will go out of the account of the customer who has booked the transfer. The method of claim 1, A financial institution can receive an additional reservation service fee. The method of claim 1, The information notified by the e-mail includes the name of the recipient, the name of the designated financial institution, the deposit account and the transfer amount, as well as the remittance fee and foreign exchange remittance, the same day the rate applied to the Internet transfer reservation service providing method. delete delete In the account transfer service providing system that automatically receives the account transfer from the customer through the network, At least one financial institution server that performs a customer account transfer and transmits the result to the customer; And At least one user computer capable of delivering the customer's account transfer reservation request to the operator server and being notified of the result from the operator server; The financial institution server Store the customer's account transfer reservations, check the reservation date of the customer's account transfer reservations and automatically executes the account transfer to the requested account, and transmits the result of the transfer to the user's user computer Account transfer reservation service providing system using the Internet characterized in that. The financial institution server of claim 13, wherein An account transfer reservation processing unit for accepting the account transfer reservation when the customer requests an account transfer reservation using a user computer; A database for storing the bank transfer reservation received from the bank transfer reservation processing unit: A reservation date checker which checks a reservation date among the transfer payment reservations of the customer stored in the database; An automatic transfer processing unit for automatically performing an account transfer to an account for which a customer's account transfer reservations corresponding to a reservation date checked by the reservation date checker are requested; And Account transfer reservation service providing system using the Internet characterized in that it comprises a result transfer unit for transmitting the result of the account transfer processing from the automatic transfer processing unit to the user computer of the customer. 15. The method of claim 14, wherein the direct debit processing unit In the account of the customer who reserves the bank transfer, the amount to be sent to the designated person and the remittance fee are deducted, and the recipient's account is processed so that the amount to be sent is included in the account. Account transfer reservation service providing system using the Internet, characterized in that further adds a function for processing. 15. The method of claim 14, wherein said database is When you make a reservation for the account, you can save the name, age (resident registration number), address, phone number, e-mail address, account number, etc. of the customer who made the reservation, save the transfer request and changes requested by the customer, exchange rate and remittance The Internet transfer reservation service providing system for storing a fee, and if the operator receives a reservation service fee in addition to the remittance fee, and stores the reservation number assigned to Yanbian by the reservation customer. The method of claim 13, The bank transfer reservation service providing system using the Internet, characterized in that the input information is stored and processed even in the case of a reservation change or cancellation of the bank transfer service through a bank or a cash dispenser.