KR100638459B1 - settlement method and system using cybercash on cyber banking branch - Google Patents

Abstract

The present invention relates to a method and system for electronic payment through a cyber cache on a cyber branch of a financial institution, wherein the cyber branch server of the financial institution provides credit information when a member request is requested through an internet-enabled terminal (hereinafter referred to as a user terminal). The member registration process that performs the member registration procedure after confirming the real name by accessing the institution system, and when the user logged in through the user terminal requests to open the cyber cash account with the cyber branch server, the cyber branch server establishes the cyber cash account. The cyber cash account opening process of opening the cyber cash account number and notifying the user of the cyber cash account number, and the cyber branch server requests the user to the cyber cash account when the cyber cash is requested to charge the cash amount through the deposit system of various financial institutions. The cyber cache charging process to transfer the If there is a financial transaction request for an Iber Cash account, the electronic cash settlement method consists of a cyber cash settlement process that processes the amount requested through the authentication process within the balance limit of the cyber cash account and outputs the result to the user terminal. And to provide a system, to provide a secure and convenient payment service.

Internet Banking, Cyber Branch, Internet Banking Processing Unit, Account Processing Unit, Cyber Cash

Description

SECTIONMENT METHOD AND SYSTEM USING CYBERCASH ON CYBER BANKING BRANCH

1 is a block diagram showing the configuration of the electronic payment system through the cyber cache according to the present invention

2 is a flowchart schematically showing a payment process through an initial cyber cache.

3 is a flow chart showing the membership registration procedure

4A and 4B are flowcharts illustrating a process of opening a cyber cash account.

5 is a flow chart showing the process of charging the cyber cash account

6 is a flowchart illustrating a financial transaction process through a cyber cash account.

7 is a flowchart illustrating a login process for using a cyber cache.

The present invention relates to a method and system for electronic payment through cyber cash on a cyber branch of a financial institution, and more specifically, to establish a virtual cyber cash account based on a real deposit account, and to deposit an actual amount through various bank deposit methods. To secure a convenient and secure payment service by allowing users to make transactions between cyber cash accounts and actual deposit accounts, and to make electronic payments such as wire transfers and transfers through cyber cash accounts. The present invention relates to an electronic payment method and system through a cyber cache on an institution's cyber branch.

In general, a conventional financial transaction is a method in which a customer visits an offline bank window to verify his / her identity and then joins a deposit or remits money. Recently, each bank provides online services such as telebanking, PC banking, and internet banking. Through this, customers can make various financial transactions without visiting the bank directly.

Among them, Internet banking is attracting more attention from users than PC banking or phone banking because of the convenience of accessing a bank account instantly regardless of time and place where there is a terminal with internet connection. Stores and network construction costs are less expensive than offline stores, and management costs are insignificant, and they are attracting attention because they can provide various marketing strategies and additional services at low cost.

However, despite the above advantages and potentials, Internet banking merely converts existing off-line transactions to online or on the Internet, and thus does not attract enormous prospects to Internet banking customers.

Therefore, to succeed in Internet banking, a new business model must be developed that is different from the traditional banking method.

Accordingly, the applicant of the present invention has proposed "the cyber branch operating system and method through Internet banking" in the Republic of Korea Patent Publication No. 10-2003-0369869, a brief description of the contents.

The cyber branch operation system and method through the internet banking is to build an Internet banking processing unit for the separate branch management for the cyber branch, to establish a cyber branch to the Internet banking processing unit and assign a branch code, while operating an independent cyber branch In this cyber branch, all financial transactions of the user are possible.

In addition, by establishing a new account in the cyber branch established above, both the customer and the simple visitor who has an existing account in the financial institution can conveniently create and use the account of the cyber branch.

Accordingly, the user may have the same account at the cyber branch and the offline branch at the same time, or may have the account only at the cyber branch regardless of the offline branch.

However, when the user has the same account at the cyber branch and offline branch at the same time, various financial transactions through the cyber branch are performed with the actual bank account number and password, so the risk of information leakage during use was high.

In addition, in the case of financial transactions only through cyber branches, there was a problem in that financial transactions were not seen when offline financial transactions were required.

In addition, when there is no account at the cyber branch and only an offline account is used, the user has to go to the business place during business hours, thereby limiting the time and space to view the financial business.

 An object of the present invention for solving the above problems is to open a virtual cyber cash account based on the actual deposit account through the cyber branch, and to charge the necessary amount to the cyber cash account through the deposit method of various banks cyber The purpose of the present invention is to provide a secure and convenient payment service that enables electronic payments such as wire transfers and transfers to other real deposit accounts through a cash account.

In addition, by receiving an actual deposit account at the time of opening the cyber cash account, the balance is deposited into the actual deposit account when the cyber cash account is closed, thereby improving efficiency in balance processing.

A feature of the present invention for achieving the above object is that the cyber branch server of the financial institution accesses the credit information agency system when the membership request is requested through the Internet-enabled terminal (hereinafter referred to as a user terminal) If the user who logged in through the user terminal and the user log in through the user's terminal requests to open a cyber cash account with the cyber branch server, the cyber branch server opens a cyber cash account and informs the user of the cyber cache account number. The cyber cash account opening process, the cyber branch server, the cyber cash charging process for transferring the amount of money desired by the user to the cyber cash account when the cyber cash payment request is made through various financial institutions' deposit systems, and the cyber cash Verification process when requesting financial transaction of account Handle the amount requested by the balance in the province of cyber cash account and may result in the electronic payment via the cyber cache consisting of cyber cash payment processes to output to the user terminal.

In addition, the cyber branch server inputs a real deposit account in the process of opening a cyber cash account to confirm the real name through the connected bank database, and when the cyber cash account is destroyed, that is, the balance is closed through the cyber cash account closing process. It is possible to prevent a dormant account from being made by making a deposit and to enable convenient asset management from the user's point of view.

The cyber branch server may further include a transaction history inquiry process of recording a transaction history of the cyber cash account in the cyber cash account ledger database and outputting the transaction history to the user terminal when a transaction history inquiry request is made from the user terminal. .

In addition, another feature of the present invention is a user terminal capable of the Internet; It is connected to the credit information agency and the bank system, the process of opening a cyber cash account on the cyber branch through the membership registration and login process, real name verification according to the request from the user terminal, connected to the deposit system of the general financial institution Finance consists of a cyber branch server that manages the membership ledger and cyber cash account ledger with its own database, and performs the cyber cash payment process according to the request from the user terminal. It is to provide an electronic payment system through cyber cache on the institution's cyber branch.

An embodiment of the present invention having such a configuration will be described in more detail with reference to the accompanying drawings.

Figure 1 shows the configuration of the electronic payment system through the cyber cache on the cyber branch of a financial institution according to the present invention.

The electronic payment system through the cyber cache is connected to the user terminal 10, the credit bureau system 20 and the bank system 30, which is internet-enabled, and a member registration and login process is performed according to a request from the user terminal 10. The cyber branch server 100 performs a cyber cash account opening process, a cyber cache charging process, and a cyber cash settlement process.

The configuration of the cyber branch server 100 will be described in more detail below.

The cyber branch server 100 performs various tasks for internet banking through access to the user terminal 10 and at the same time, if there is a request for performing a cyber cache related task from the user terminal 10, an account for performing cyber cache related tasks. An internet banking processor 110 for logging the processor 120, an account processor 120 for performing cyber cache related tasks such as opening and settlement of a cyber cash account in connection with the internet banking processor 110, and the internet banking In response to a request from the processor 110, the credit interrogator system 20 and the external link processor 130 connected to the bank system 30 are configured.

In addition, the configuration of the Internet banking processing unit 110 will be described in more detail. The homepage server 112 outputs various types of information so that a user can access the cyber branch server 100 through the user terminal 10 and obtain various types of information. And various menus are transmitted to the user terminal 10 through the homepage server 112 and the command output from the user terminal 10 is interpreted to allow the user to perform cyber cache related tasks through the screen. Cyber cache server 114 for transmitting a command to the cyber cache, and if there is a cyber cache account-related command from the cyber cache server 114, the cyber processing to log the account processing unit 120 (log) so that the command can be performed DB processing server 116, and the account processing unit 120 and the account processing connection unit 118 responsible for direct data transmission.

In addition, the account processing unit 120 performs an operation according to the command output from the Internet banking connection unit 122 and the Internet banking connection unit 122 in charge of direct data transmission with the Internet banking processing unit 110. A cache business processing unit (member information processing unit, financial business processing unit; 124, 126), a member ledger database 128, and a cyber cash ledger database 129.

The electronic payment method through the cyber cache using the system configured as described above will be described below.

First, FIG. 2 is a flowchart schematically showing a payment process through an initial cyber cache.

After the user accesses the cyber branch server through the user terminal (S100), if a financial transaction is required through the cyber cache, the cyber cache member request is requested, and the cyber branch server provides the menus necessary for membership registration to the user terminal. Perform the procedure (S200).

As described above, after performing the cyber cash membership registration process, the cyber branch server checks whether there is a request for opening a cyber cash account from the logged in member, and if there is a request for opening a cyber cash account, confirms the real name through a credit information agency, It checks whether the user has entered the real deposit account through the bank database, opens a cyber cash account, and notifies the cyber cash account number to the user terminal (S300).

In addition, when a user requests a deposit to a cyber cash account through various deposit systems of the bank, the cyber branch server transfers the corresponding amount to the cyber cash account to charge the amount.

Subsequently, when there is a financial transaction application through the cyber cash account from the user terminal, the cyber branch server performs the corresponding financial transaction within the balance of the cyber cash account and records the record in the cyber cash account ledger.

Hereinafter, the process for each process of the electronic payment method through the cyber cache will be described in more detail. After processing the business according to the dark arrows in FIGS. 3 to 7, the processing results are transmitted to the user terminal along the empty arrows. Give it.

3 is a flowchart illustrating a membership registration procedure.

When the user accesses the cyber branch server through the user terminal (S201), the cyber cache server displays the terms and conditions of the cyber cache-related services and the basic terms of financial transactions on the user terminal and obtains the consent (S202).

When a signal for consent is input from the user terminal, the cyber cache server inputs data for real name verification to the user terminal (S203).

And, if data for real name verification is input, the account processing linkage unit and the cyber cache DB processing server logs the cyber cache related transaction (S204), connects to the credit information company system and requests real name verification (S205), and cyber cache If the real name is confirmed on the basis of the data from the credit information company system, the server inputs the detailed items necessary for membership registration and registers as a member, and if there is a mismatch, transmits a corresponding message to the user terminal (S206).

4A and 4B are flowcharts illustrating a process of opening a cyber cash account.

The cyber cache server displays a menu for inputting necessary data to request data necessary for opening a cyber cash account to the user terminal, wherein the menu includes a member type (holding a KFW certificate, a current or other account), and an actual deposit account. Information (deposit note, bank name, account number), cyber cash password, etc. (S301)

When such information is input from the user terminal, the account processing link and the cyber cache DB processing server log the cyber cache related transaction (S302).

In addition, the account processing unit judges whether the inputted deposit account is current or foreign, and if the current account is verified, open the cyber cash account and create a cyber cash ledger according to the check. The cyber cache account number generated as shown by the arrow is sent to the user terminal through the cyber cache server.

In the case of the other line, the name of the other line accounts is verified. If the name matches the line of accounts, the cyber cash account is opened, the cyber ledger is created accordingly, and the generated cyber cache account number is used by the user through the cyber cache server. Send to the terminal (S303).

5 is a flowchart illustrating a process of charging a cyber cash account.

When the user requests to deposit into the cyber cash account through the bank's various deposit systems, the account processing department transfers the corresponding amount to the cyber cash account, fills the amount, records it in the cyber cash ledger, and notifies the deposit result to the deposit system used by the user. do.

In the above, the bank's deposit system includes a window terminal, an automated device (CD / ATM), a phone banking, an internet banking, and a bank deposit.

6 is a flowchart illustrating a financial transaction process through a cyber cash account.

When the user logs in to the cyber branch (S501), the cyber cache server provides a menu for the user to select the desired transaction among various financial transactions, and when the user selects the desired financial transaction (S502), the account processing linkage unit And the cyber cache DB processing server logs the cyber cache-related transactions (S503).

Accordingly, the cyber cache connection processing unit of the account processing unit operates to transmit a command to the user to perform a desired operation to the cyber cache business processing unit, and the cyber cache business processing unit performs the corresponding work according to the transferred command and the result is a member. After recording in the ledger database and the cyber cache ledger database, the result is transmitted to the user terminal through the cyber cache server (S504).

7 is a flowchart illustrating a login process for using a cyber cache.

When the user connects to the homepage server (S601), the cyber cache server to enter the member ID and password (S602), and if the member ID and password is entered, the account processing linkage and the cyber cache DB processing server performs a cyber cache related transaction. LOG (S603).

Accordingly, the cyber cache link processing unit of the account processing unit transmits a corresponding command to the cyber cache business processing unit to process the login task, and the cyber cache business processing unit records the processed information in the member ledger database and then sends the user to the user terminal through the cyber cache server. The result is notified (S604).

On the other hand, after performing a payment through the cyber cache as described above, if the user applies for closing the cyber cash account, the cyber branch server transfers the balance of the cyber cash account to the actual deposit account entered when opening the cyber cache account Do it.

According to the present invention configured as described above, since the actual financial transaction between the actual deposit account and the cyber cash account is possible, the convenience of use is improved.

In addition, since the financial account is made through the cyber account, there is an effect of preventing financial accidents caused by leakage of account number and password.

Claims (4)

If there is a request for membership through an internet-enabled terminal (hereinafter referred to as a user terminal), the cyber branch server of the financial institution performs a membership registration process after verifying the real name through the database of the credit information institution, and When the user who logs in through the user terminal inputs a real deposit account and requests to open a cyber cash account with the cyber branch server, the cyber branch server registers the actual or another real deposit account in the database after checking the real name. In addition, in response to the bank's various deposit methods, it is possible to recharge the actual amount, open a real deposit account and financial transaction, and open a cyber cash account that can perform various financial transactions including remittance and transfer, The process of opening a cyber cash account to notify the user terminal, When the cyber branch server makes a request for recharging the amount of money to the cyber cash account through a method of depositing various financial institutions such as unpaid deposit or remittance from a deposit account, the cyber branch recharging process transfers the desired amount to the cyber cash account; If there is a financial transaction request for the cyber cash account, the cyber cash settlement process processes the requested amount within the balance limit of the cyber cash account and outputs the result to the user terminal. The cyber branch server performs a cyber cache charging process and a cyber cash settlement process, records the transaction details in the cyber cash ledger database, and outputs the details to the user terminal when a transaction history inquiry request is made from the user terminal. History lookup process, The electronic payment method through the cyber cache on the cyber branch of a financial institution, characterized in that the cyber cash account closing process of depositing the balance to the actual deposit account when the cyber cash account expires. delete delete User terminal with internet access, It is connected to the credit bureau, the bank database and the deposit system. According to the request from the user terminal, the bank makes various deposit methods by matching with the actual deposit account of the bank or another party on the cyber branch through the membership registration, login process, and real name verification. It is possible to charge the actual amount, to make a real deposit account and financial transaction, and to open a cyber cash account that can perform various financial transactions including remittance and transfer, and to notify the user's terminal of the bank, the deposit system of general financial institutions Connect the amount of money directly charged to the cyber cash account and the cyber cash payment process according to the request from the user terminal, and has its own database to manage the member ledger and cyber cash account ledger, the user terminal Transaction history inquiry process by request from Perform, and electronic payment systems through cyber cash on cyber branch of the financial institution being configured as a cyber branch servers to deposit the funds into a savings account at the time of the actual user terminal cyber cash account closure request.

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