KR101659372B1 - System and method of providing cash management service using remittance-based payer authentication - Google Patents

Abstract

The present invention relates to a system and method for providing a direct debit service of a depositor authentication system using an account transfer, and more particularly, to a system and method for providing a direct debit service by a deposit account, The name of the account holder, the name of the account holder, and the account number, and the user organization shall proceed to apply for the automatic transfer of the account holder to the CMS agency (or financial institution) based on the information provided by the account holder. The CMS agency receiving the transfer member application transmits the disposable authentication number through remittance to the account holder account and performs the identity authentication of the account holder in such a manner that the disposable authentication number transmitted through the remittance is received from the account holder, By performing the debit member's debit member registration only when it is normally completed, It is possible to apply for the automatic debit service without using the registration number, thereby preventing the accident of theft caused by the exposure of the resident registration number, etc. In addition, since the CMS agency carries out the authentication procedure with the account holder separately from the user institution, And more particularly, to a system and method for providing a direct debit service of an account holder authentication method using an account remittance that can guarantee the stability of a service.

Description

Technical Field [0001] The present invention relates to a system and method for providing automatic transfer service of a deposit account authentication system using an account transfer,

The present invention relates to a system and method for providing a direct debit service of a depositor authentication system using an account transfer, and more particularly, to a system and method for providing a direct debit service by a deposit account, The name of the account holder, the name of the account holder, and the account number, and the user organization shall proceed to apply for the automatic transfer of the account holder to the CMS agency (or financial institution) based on the information provided by the account holder. The CMS agency receiving the transfer member application transmits the disposable authentication number through remittance to the account holder account and performs the identity authentication of the account holder in such a manner that the disposable authentication number transmitted through the remittance is received from the account holder, By performing the debit member's debit member registration only when it is normally completed, It is possible to apply for the automatic debit service without using the registration number, thereby preventing the accident of theft caused by the exposure of the resident registration number, etc. In addition, since the CMS agency carries out the authentication procedure with the account holder separately from the user institution, And more particularly, to a system and method for providing a direct debit service of an account holder authentication method using an account remittance that can guarantee the stability of a service.

Generally, a cash management service (CMS) is a service provided by a financial institution. It is a service provided by a service provider (withdrawing company) to provide payers with intangible and intangible services (goods, services, etc.) To the service provider.

That is, the automatic debit service is a service for automatically withdrawing a predetermined amount from a withdrawal account (a direct debit account) of a payer every predetermined period according to a request of a payer and transferring it to an automatic deferred account of the user institution.

FIG. 1 is a diagram showing a procedure of an automatic transfer system and an automatic transfer application according to the prior art.

As shown in FIG. 1, in a conventional automatic debit system, when a depositor (a person who pays a fee using automatic transfer) wants to apply for automatic transfer through a user institution, a name, an account number and a resident registration number Provide automatic transfer agreement with information (①).

Here, the user organization is a company that provides a service to the account holder and provides chargeable and intangible services, for example, a company providing regular products or services such as an insurance company, a newspaper company, or a communication company.

Thereafter, the user organization will proceed to apply for a debit member's debit membership to the financial institution based on the automatic transfer agreement provided by the account holder (②).

Next, in the financial institution, the automatic debit member registration of the account holder is performed by using information such as the name of the account holder, the account number and the resident registration number provided by the user institution in accordance with the application for the automatic debit member of the user institution, Register it as an account, and notify the user of the result (③).

When the member registration of the automatic transfer service for the account of the account holder is normally performed, the user institution applies for the withdrawal according to the automatic transfer service to the financial institution, and the corresponding financial institution issues a deposit account A predetermined amount is withdrawn from the automatic transfer account of the user and transferred to the collection account of the user institution.

However, in the conventional automatic transfer system as described above, in order to register the automatic transfer, the account holder must provide the personal identification information such as the resident registration number to the use agency in order to confirm the identity of the account holder. In this case, It is exposed to the risk of unauthorized use or exploitation.

Also, if the resident registration number of the account holder is stolen by a malicious user, the user may apply for the automatic transfer, which the accountant himself / herself does not apply to, instead of performing the unauthorized withdrawal from the account of the account holder.

Recently, automatic transfer system technology has been developed to protect the personal information of account holders. As an example of such automatic transfer system, Korean Patent Laid-Open Publication No. 2013-0106331 entitled " And a payment system that protects the personal information of a payer and prevents illegal withdrawal and a payment method thereof "in Korean Patent No. 0584900, and the like.

In such a conventional technology, the automated teller machine further includes an automatic transfer relay server and an authentication server. When a depositor requests automatic transfer through a user institution, the account holder registers the account holder's name, account number, And transmits the information including the resident registration number to the financial institution server by completing the automatic transfer application information of the account holder by receiving information from the account holder through the automatic transfer relay server and the authentication server, To be registered as a member.

However, the automatic transfer system according to the related art as described above is complicated and troublesome in the automatic transfer application and registration procedure, for example, by inputting the resident registration number to the account holder via a separate authentication server, and the personal information of the account holder may be exposed in the process exist.

Also, in the above-described prior art automatic transfer system, when a person other than the account holder himself / herself knows the personal information (resident registration number, account number, etc.) of the account holder, the other person performs the same authentication process as described above to be authenticated There is still a problem that illegal withdrawals by others can occur.

Disclosure of the Invention The present invention has been devised to solve the problems as described above, and it is an object of the present invention to provide an automatic debit service for a depository company, The CMS agency that received the application for the automatic transfer of the depositor's account is required to provide the deposit account with the account holder account (or financial institution) The authentication of the account holder is performed in such a manner that the disposable authentication number transmitted through the remittance is received from the account holder, and only when the authentication of the account holder is normally completed, It is possible to apply for the automatic transfer service without using the resident registration number, It is also possible to prevent theft by accident such as exposure of civil registration number. In addition, since the CMS agency carries out the authentication procedure with the account holder separately from the user institution, the account transfer that can guarantee the stability of the automatic transfer service The present invention provides a system and method for providing automatic debit service using a deposit account authentication method using a deposit account authentication method.

According to an aspect of the present invention, there is provided a method for providing a cash management service to a customer through an automatic transfer service providing system in a cash management service agency, A method of providing a direct debit service by requesting automatic debit of a debit card issuer, the method comprising the steps of: receiving a debit card including a name and account number of the account holder from a user institution server through the debit service providing system, Receiving an application; Generating a disposable authentication number for confirming whether or not the automatic transfer of the account holder agrees to the debit member application received from the user institution server in the automatic debit service provision system; Transferring the disposable authentication number to the account holder through the remittance amount remitted by remitting the amount corresponding to the disposable identification number to the account holder account described in the automatic transfer consent form through the automatic debit service provision system; Receiving a disposable authentication number transmitted through the remittance from the account holder through the account holder terminal in the automatic payment service providing system; Determining whether the disposable authentication number received from the depositor terminal through the automatic debit service providing system matches the transmitted disposable authentication number and verifying whether or not the automatic transfer consent is obtained through authentication of the depositor; Requesting registration of a debit member's debit member to a financial institution server through the automatic debit service provision system when the identity of the account holder is normally completed; And receiving the response result of the debit member registration of the account holder from the financial institution server in the automatic debit service provision system, and notifying the user institution server of the response result.

The present invention provides a system for providing a direct debit service of an account holder authentication method using bank remittance according to the present invention, and a method thereof, in which a account holder requests an automatic transfer service through a user institution (a withdrawal company) (Or a financial institution) based on the information provided by the account holder, the CMS agent (or the financial institution) may be required to provide the CMS agent , It is not necessary to use the resident registration number for confirming the identity of the account holder by transmitting the disposable identification number through remittance to the account holder account and performing the identity verification of the account holder in such a manner that the disposable identification number transmitted through the remittance is received from the account holder, It has the effect of preventing the theft accident due to exposure etc. All.

In addition, there is an effect that it is possible to perform self-certification directly through the CMS agency without any additional means such as an authorized certificate, a recording, and a consent form to confirm that the account holder who requests the automatic transfer is the account holder.

In addition, in the case of the user organization, it is possible to apply for the automatic debit member of the account holder without any additional procedure, and furthermore, since it is not necessary to collect the resident registration number of the account holder, the automatic debit can be applied more easily.

In addition, since the present invention carries out the authentication procedure with the account holder at the CMS agency separately from the user institution, it is possible to prevent the unauthorized withdrawal operation of the use agency at the origin, thereby ensuring the stability of the automatic transfer service .

1 is a diagram showing a process of a dispatch system and an automatic transfer application according to the prior art;
2 is a view for explaining a process of performing a debit application and registration through a system for providing automatic debit service of a depositor authentication system using an account transfer according to an embodiment of the present invention
FIG. 3 is a flow chart showing a process of performing account holder identification in a CMS agency in an embodiment of the present invention
4 and 5 are views showing a method of transmitting the disposable authentication number to the account of the account holder in the process of performing the account holder's authentication shown in FIG.
FIG. 6 is a block diagram showing a configuration of a system for providing a direct debit service according to an embodiment of the present invention using an account transfer
7 is a view for explaining a process of providing a direct debit service of a depositor authentication method using an account transfer in a financial institution according to another embodiment of the present invention,

Hereinafter, the embodiments of the present invention will be described in detail, but the present invention is not limited to the following embodiments unless they depart from the gist of the present invention.

FIG. 2 is a diagram for explaining a process of performing automatic transfer application and registration through a system for providing a direct debit service according to an accountant's authentication method using an account transfer according to an embodiment of the present invention.

As shown in FIG. 2, according to an embodiment of the present invention, when a depositor (a person who pays a fee using automatic transfer) wants to apply for automatic transfer through a user institution, Provide automatic transfer agreement with possible personal information (①).

At this time, the automatic transfer consent form provided from the account holder includes personal information that is not likely to be stolen even if it is disclosed to the outside, that is, the name of the account holder and the withdrawal account number, and may include the telephone number of the account holder as needed.

Thereafter, the user organization will proceed to apply for a debit member's automatic transfer member to the CMS agency based on the automatic transfer agreement provided by the account holder (②).

When the CMS agency receives the application for the automatic transfer of the account holder from the use agency, it executes the authentication procedure for confirming the consent of the account holder for the received automatic transfer member application.

Hereinafter, the process of authenticating the account holder at the CMS agency will be described in detail.

FIG. 3 is a flowchart showing a process of performing account identity verification in a CMS proxy organization in an embodiment of the present invention. FIGS. 4 and 5 are flowcharts illustrating a process of performing a one- FIG. 5 is a diagram showing an embodiment of a method of transmitting a number.

As shown in FIG. 3, first, the CMS proxy institution confirms the debit member application information such as the name of the account holder and the account number provided by the user institution, extracts an account of the account holder (S110), generates a disposable authentication number (S120), and transmits the generated disposable authentication number through remittance to the account holder account (S330).

In this case, in transmitting the disposable authentication number through remittance to the account holder account, two methods may be used: i) a method of using a remittance amount, and ii) a method of using a passbook reminder in which a remitter or remittance is recorded, Hereinafter, the two disposable authentication number transmission methods will be described in more detail with reference to specific embodiments.

i) Transfer method of disposable authentication number using remittance amount

In this case, the CMS agency divides the generated one-time authorization number into one-digit or two-digit units, and transfers the amount corresponding to each divided digit (that is, one digit or two digit) to the accounts of the account holder in sequence.

4, if the generated disposable authentication number is '1225', the CMS proxy divides the generated authentication number of '1225' into two digits, and stores the authentication number in the first two digits '12' The amount corresponding to the amount of 12 won and the amount of 25 won, which is the next two digits, will be transferred to the accounts in the account sequentially.

After that, the account holder can confirm the one-time authentication number '1225' by checking the amount deposited in the account and sequentially arranging the amounts in the deposited order.

In this case, when transferring the amount corresponding to the authentication number, the generated '1225' authentication number is divided into 1, 2, 2, and 5 by 1, 2, It is possible to arrange to send money in four circles separately, and it is also possible to set various kinds of sharing.

In other words, the disposable authentication number can be set in various ranges of 4 digits to 10 digits. At this time, the amount to be transmitted as a one-time authentication number is divided into a small amount such as a single digit, a double digit or a three digit amount, Of course.

As described above, if the amount used as the disposable authentication number is divided into a small amount and remitted, a small amount having a relatively low value is remitted to the account of the account holder so that the authentication service for the automatic transfer can be effectively carried out without incurring a large cost.

In addition, as shown in FIG. 4, the CMS agency transmits a small amount to be used as the disposable authentication number to the account of the account holder, and a statement indicating that the remittance amount is the disposable authentication number is written in the account omission column for the remittance It is possible.

ii) One-time authentication number transfer method using the bankbook reminder described in remittance

In this case, the CMS agency deposits a small amount (for example, single digit or double digit amount) in the account of the account holder, and puts the generated one-time authentication number in the account receipt prepared so that the name of the banker do.

For example, as shown in FIG. 5, when the generated disposable authentication number is '1225', the CMS agency deposits a small amount of 10 won into the account of the account holder, and inserts the disposable authentication number '1225' .

At this time, the small amount to be credited to the CMS agency in order to write the disposable authentication number in the passbook reminder column may be set in various ranges from one digit to three digit amount.

It is needless to say that the number of disposable authentication numbers written in the passbook remembrance column may be set in a wide range from 4 to 10 digits.

In this case, the disposable authentication number is transferred only by one small deposit, which is advantageous in that the cost and the process time can be reduced compared with the method of transmitting the disposable identification number using the remittance amount described above with reference to FIG. 4. However, The number of digits of the authentication number may be limited in describing the disposable authentication number.

That is, the maximum number of digits of characters that can be written in the account omission column of the account may be limited according to the characteristics of the financial service of each financial institution. Accordingly, the disposable authentication number applied to the present embodiment is, It is preferable to set the number of characters to be within the maximum number of characters to be written.

Meanwhile, as described above, after the CMS agency transfers the disposable authentication number to the account of the account holder through the remittance, the disposable authentication number transmitted through the remitter terminal is received from the account holder through the remitter terminal (S140) (Step S150). In this case, it is determined whether the disposable authentication number matches the received authentication number.

In other words, the account holder (account holder) confirms the disposable authentication number through the details deposited in the account book of the account of the account holder, and when calling for the account holder's automatic transfer service, The CMS agency will determine whether the consignee agrees to the disposable authentication number transmitted from the account holder and confirm whether the account holder agrees to the automatic transfer.

At this time, various communication methods can be applied as a means for responding to the disposable authentication number through the account holder terminal, for example, a web server input method via the Internet, an SMS or ARS call can be used.

For example, when the account holder uses the ARS through the account holder terminal, the telephone number is pre-dialed at the time of the application of the automatic transfer service, and the one-time authentication number is inputted according to the procedure guided by the automatic response. It is possible to proceed to a process of confirming the disposable authentication number transmitted from the account holder and notifying the account holder of the authentication.

If the telephone number information of the account holder is included in the automatic transfer member application information of the account holder provided through the user institution in the above-mentioned authentication process, the CMS agency transfers the disposable authentication number to the accounts of the account holder through remittance The user may be configured to guide the identification and input of the disposable identification number of the account holder by means of a telephone contact or SMS by telephone number of the account holder.

If the identity of the account holder is normally completed later, the CMS agency confirms the debit memorandum of the account holder and asks the financial institution to register the debit member's debit card (⑤).

In this process, when a financial institution requires the resident registration number of the account holder at the time of registration of the account holder in the current procedure or related laws, the CMS proxy institution may use the web server input method Or the resident registration number of the account holder together with the disposable identification number through means such as SMS or ARS, and may provide the resident registration number of the account holder to the financial institution.

In this case, in the authentication process according to the present invention, the CMS agency receives the resident registration number directly from the account holder without going through the use agency, thereby increasing the reliability of the personal information protection.

Next, the financial institution registers the depositor's account as a direct debit account by performing the debit member's debit member registration at the request of the CMS agency, responds to the CMS agency with the result of registering the debit member's debit member (⑥) , And the CMS agency notifies the user of the result of the response (⑦).

In this way, if the member registration of the account of the account holder is normally processed, the user will apply for the withdrawal according to the automatic transfer service to the CMS agency, and at the corresponding financial institution, the withdrawal application received through the CMS agency A predetermined amount is withdrawn from the direct debit account of the account holder every time it is set and transferred to the collection account of the user institution.

On the other hand, as described above, a system for providing a direct debit service of a CMS proxy agency that performs authentication of a depositor's identity by requesting a request for automatic transfer of a deposit account from a user institution may be configured as follows.

FIG. 6 is a block diagram illustrating a system for providing a direct debit service according to an embodiment of the present invention.

As shown in FIG. 6, a system for providing a direct debit service of a CMS proxy agency according to an embodiment of the present invention includes a communication unit 10 for communicating with a depositor, a user institution, and a financial institution; A reception unit 20 connected to the account holder through the communication unit 10 to receive information from the account holder; A database 30 for storing the automatic transfer application information of the account holder necessary for the process of the automatic debit service and the authentication information generated when performing the identity verification of the account holder; And a microprocessor (40) for controlling the operation of the communication unit (10), the steward (20) and the database (30) and performing the identity authentication necessary for registration of a debit member 's debit member.

The reception unit 20 is connected to the account holder through the communication unit 10 and receives information from the account holder. The reception unit 20 includes an SMS reception unit 21 for receiving SMS characters from the account holder, an ARS An ARS responding unit 22 for receiving information via a web browser, and a web service unit 23 for receiving information from the account holder on the web.

Also, the database 30 includes a customer information DB 31 in which the automatic transfer application information of the account holder (including the account number of the account holder, which may be stored if necessary) including the name and account number of the account holder necessary for the process of the automatic transfer service And an authentication number DB 32 in which a disposable authentication number to be transmitted and received when the identity of the account holder is authenticated is stored.

The microprocessor 40 controls the operation of the communication unit 10, the stewardess 20, and the database 30, and is used to perform authentication of the account holder 10 The information of the account holder subject to the deferred payment is stored in the customer information DB 31 provided in the database 30 and the account information of the account holder is extracted through the database 30, And transmits the disposable authentication number through remittance to the depositor account, receives the disposable authentication number transmitted from the depositor through the dispatcher 20, and discriminates whether the disposable authentication number received from the account holder is identical or not And is configured to perform identity verification of the account holder.

The reception unit 20 includes the SMS receiving unit 21, the ARS response unit 22, and / or the web service unit 23 as described above. Or an ARS call to receive a one-time authorization number.

Meanwhile, in the above-described embodiment, a method of providing a direct debit service by providing a CMS proxy agent between a user institution and a financial institution and performing authentication of the account holder through the CMS proxy agency is described. However, But is not limited to, and may be configured to provide such direct debit services directly from a financial institution.

FIG. 7 is a diagram illustrating a process of providing a direct debit service of a depositor authentication method using an account transfer in a financial institution according to another embodiment of the present invention, and performing a debit application and registration.

In this case, as shown in FIG. 7, when the depositor submits the automatic transfer consent to the user institution (①) when the depositor submits the automatic transfer service through the user institution (withdrawal company) (②) After the financial institution receives the application for automatic debit membership of the account holder from the user institution, the authentication process is performed to confirm the consent of the account holder for the received automatic debit membership application. The financial institution transmits the disposable authentication number through remittance to the account of the depositor (③), receives the authentication number transmitted from the account holder through the depositor terminal (④) When the authentication is normally completed, the automatic debit member registration of the account holder is performed, and the result is notified to the user organization (5).

If the member registration of the account of the account holder is normally performed in this manner, the user institution makes an application for withdrawal in accordance with the automatic transfer service to the financial institution. In the financial institution, A predetermined amount is withdrawn from the automatic transfer account of the user and transferred to the collection account of the user institution.

At this time, during the above-described automatic transfer service application and registration process, the financial institution may perform the identity verification of the account holder using the account of the account holder in the same manner as in FIGS. 3 to 5 described above.

As described above, according to the present invention, in a system for providing a direct debit service of a depositor authentication system using an account remittance and a method thereof, when a depositor applies for a direct debit service through a use agency (withdrawal company) The applicant will apply for automatic transfer by providing only publicly available personal information such as the name and account number of the account holder and then apply for a debit member's debit card to the CMS agency (or financial institution) based on the information provided by the account holder , The CMS agency transmits the disposable authentication number through remittance to the account holder account and performs the identity authentication of the account holder in such a manner that the disposable authentication number transmitted through the remittance is received from the account holder so that the resident registration number It is not necessary to use the There is an effect that can be prevented.

In addition, there is an effect that it is possible to perform self-certification directly through the CMS agency without any additional means such as an authorized certificate, a recording, and a consent form to confirm that the account holder who requests the automatic transfer is the account holder.

In addition, in the case of the user organization, it is possible to apply for the automatic debit member of the account holder without any additional procedure, and furthermore, since it is not necessary to collect the resident registration number of the account holder, the automatic debit can be applied more easily.

In addition, since the present invention carries out the authentication procedure with the account holder at the CMS agency separately from the user institution, it is possible to prevent the unauthorized withdrawal operation of the use agency at the origin, thereby ensuring the stability of the automatic transfer service .

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined by the appended claims. .

10: communication unit 20:
21: SMS receiving unit 22: ARS response unit
23: Web service section 30: Database
31: customer information DB 32: authentication number DB
40: microprocessor

Claims (15)

Cash Management Service A cash management service is a system in which an automatic deferral service is provided by the agency to request automatic deferral of account holders (those who pay fees using automatic deferral) In a method for providing a service,
Receiving a debit member application accompanied by a debit authorization agreement including a name of the account holder and an account number from a user institution server through the debit service providing system;
Generating a disposable authentication number for confirming whether or not the automatic transfer of the account holder agrees to the debit member application received from the user institution server in the automatic debit service provision system;
Transferring the disposable authentication number to the account holder through the remittance amount remitted by remitting the amount corresponding to the disposable identification number to the account holder account described in the automatic transfer consent form through the automatic debit service provision system;
Receiving a disposable authentication number transmitted through the remittance from the account holder through the account holder terminal in the automatic payment service providing system;
Determining whether the disposable authentication number received from the depositor terminal through the automatic debit service providing system matches the transmitted disposable authentication number and verifying whether or not the automatic transfer consent is obtained through authentication of the depositor;
Requesting registration of a debit member's debit member to a financial institution server through the automatic debit service provision system when the identity of the account holder is normally completed;
Receiving from the financial institution server a result of the automatic debit member registration of the account holder in the automatic deferral service providing system, and notifying the user institution server of the response result;
The method of claim 1, further comprising the steps of:
The method according to claim 1,
After the step of notifying the user institution server of a result of receiving the response result of the automatic debit member registration of the account holder from the financial institution server in the automatic debit service provision system,
Receiving a withdrawal application from the user institution server in the automatic dispatch service provision system and requesting a withdrawal in accordance with an application for withdrawal received from the financial institution server;
Further comprising the step of transferring the account information of the account holder to the bank account.
The method according to claim 1,
In the automatic transfer consent form,
Wherein the telephone number of the account holder is included.
The method of claim 3,
After the step of transmitting the disposable authentication number to the account holder through the remittance amount transferred by remitting the amount corresponding to the disposable authentication number through the automatic debit service provision system to the account holder account described in the automatic transfer consent form,
And a step of confirming and inputting the disposable authentication number of the account holder through the telephone contact or SMS via the telephone number of the account holder.
The method according to claim 1,
In the step of transmitting the disposable authentication number to the account holder through the remittance amount transferred,
Wherein the one-time authentication number is transmitted to the account holder by sequentially transferring the one-time or three-digit number to the account of the account holder, Method of providing a direct debit service.
6. The method of claim 5,
In order to sequentially transmit the disposable authentication number to the account of the account holder by dividing the disposable authentication number into one or three digits,
And a statement indicating that the remittance amount is the one-time authentication number is written in the passbook reminder column.
delete The method according to claim 1,
In the step of receiving a disposable authentication number transmitted through the remittance from the account holder through the account holder terminal in the automatic debit service providing system,
Wherein the one-time authentication number is received through input via the web server, SMS reception, or ARS input.
A method for providing a direct debit service by applying for automatic transfer of a deposit account (a person who pays a fee using a direct debit) through a use agency (a company receiving a debit) through a debit service providing system at a financial institution server ,
Receiving a debit member application accompanied by a debit authorization agreement including a name of the account holder and an account number from a user institution server through the debit service providing system;
Generating a disposable authentication number for confirming whether or not the automatic transfer of the account holder agrees to the debit member application received from the user institution server in the automatic debit service provision system;
Transferring the disposable authentication number to the account holder through the remittance amount remitted by remitting the amount corresponding to the disposable identification number to the account holder account described in the automatic transfer consent form through the automatic debit service provision system;
Receiving a disposable authentication number transmitted through the remittance from the account holder through the account holder terminal in the automatic payment service providing system;
Determining whether the disposable authentication number received from the depositor terminal through the automatic debit service providing system matches the transmitted disposable authentication number and verifying whether or not the automatic transfer consent is obtained through authentication of the depositor;
Performing a debit member registration of the account holder at the financial institution server and notifying the result of the registration to the user institution server when the identity verification of the account holder is normally completed;
The method of claim 1, further comprising the steps of:
10. The method of claim 9,
After the step of performing the automatic debit member registration of the account holder at the financial institution server and notifying the result to the user agency server,
Receiving a withdrawal application from the user institution server, fetching a predetermined amount from a direct debit account of the account holder every predetermined date according to the result of the automatic debit member registration of the account holder, and transferring the predetermined amount to the collection account of the user institution server;
The method comprising the steps of: receiving an account transfer request;
10. The method of claim 9,
In the step of transmitting the disposable authentication number to the account holder through the remittance amount transferred,
Wherein the one-time authentication number is transmitted to the account holder by sequentially transferring the one-time or three-digit number to the account of the account holder, Method of providing a direct debit service.
delete Automatic Transfer Service (Cash Management Service) Automatic transfer service to provide automatic transfer service by requesting automatic transfer of account holder (person who pays charges using automatic transfer) through agency (agency that receives automatic transfer) A service providing system comprising:
A communication unit for communicating with the account holder, the user organization and the financial institution;
A reception unit connected to the account holder via the communication unit to receive information from the account holder;
A database for storing the automatic transfer application information of the account holder required for the process of the automatic transfer service and the authentication information generated when performing the identity verification of the account holder; And
A microprocessor for controlling the operation of the communication unit, the customer information unit, and the database, and performing authentication of a person himself / herself necessary for registration of a debit member's debit member;
, ≪ / RTI >
Extracts the account information of the account holder from the automatic payment application information of the depositor stored in the database, accesses the financial institution through the communication unit, and transfers the amount corresponding to the disposable authentication number to the account holder account under the control of the microprocessor , Transmits the disposable authentication number to the account holder through the remittance amount to be remitted, responds to the disposable authentication number transmitted from the account holder through the receptionist, judges whether the disposable authentication number responded from the account holder is matched, The system comprising: means for receiving an account transfer request;
14. The method of claim 13,
Wherein,
An SMS receiving unit for receiving SMS characters from the account holder;
An ARS response part for receiving information from the account holder through an automatic reply service (ARS); And
A web service unit for receiving information from a depositor on the web;
The system of claim 1, wherein the at least one of the at least one service provider and the at least one service provider is a service provider.
14. The method of claim 13,
The database includes:
A customer information DB in which a direct deposit application information of a depositor including a name of a depositor and an account number necessary for a process of a direct debit service is stored;
An authentication number DB in which a one-time authentication number to be transmitted and received is stored when performing authentication of the account holder;
Wherein the system is configured to transfer the account information of the account holder to the bank account.

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