KR102229004B1 - Account transfer system and method by card payment - Google Patents

Abstract

Disclosed are an account transfer system and method by card payment. The account transfer system comprises: a withdrawal customer terminal requesting payment by credit card payment; and a credit card company server performing credit card payment according to a request of the withdrawal customer terminal. The credit card company server is configured to execute a payment transfer according to the performed credit card payment. According to the account transfer system by card payment, since the credit card payment is made through a credit card company for an amount corresponding to the existing cash payment amount or account transfer amount, and the credit card company, PG company, or a business providing such a service transfer the amount, the account transfer system has the effect of conveniently paying with a credit card for rent, security deposit, management fee, congratulatory money, condolences, etc.

Description

Account transfer system and method by card payment {ACCOUNT TRANSFER SYSTEM AND METHOD BY CARD PAYMENT}

The present invention relates to an account transfer system and method, and specifically, to an account transfer system and method by card payment.

In today's commerce, various methods such as credit card payment, various gift certificates, and mobile phone micro-payments are used more than cash.

This payment method is not only superior in convenience, but is also very useful as a means such as tax saving.

However, there is a transaction area in which transactions such as credit card, mobile phone micro-payment, gift certificate or point payment are not activated or cannot be activated. For example, rent, monthly rent deposit, jeonse deposit, repair fee, interior cost, real estate fee, management fee, tutoring fee, congratulatory money, condolence money, etc. are mainly used in cash payment or bank transfer.

There are many people who want to use a credit card for their credit card use record or for tax savings, but there is a problem that it is not convenient as well as risking various disadvantages when a credit card cannot be used.

Registered Patent Publication 10-0758787 Unexamined Patent Publication 10-2011-0096916

An object of the present invention is to provide an account transfer system by card payment.

Another object of the present invention is to provide an account transfer method by card payment.

An account transfer system by card payment according to the object of the present invention as described above includes: a withdrawal customer terminal requesting a payment by credit card payment; It may be configured to include a credit card company server that performs a credit card payment according to the request of the withdrawal customer terminal.

Here, the credit card company server may be configured to transfer money according to the performed credit card payment.

According to another object of the present invention, an account transfer method according to another object of the present invention includes the steps of: requesting, by a withdrawal customer terminal, to transfer money by credit card payment to a credit card company server; The credit card company server may be configured to include performing a credit card payment according to the request of the withdrawal customer terminal.

Here, the credit card company server may be configured to further include a step of executing a corresponding payment according to the performed credit card payment.

According to the above-described account transfer system by card payment, a credit card payment is made through a credit card company for an amount corresponding to the existing cash payment or account transfer amount, and the credit card company, PG company, or a business that provides these services By being configured to transfer to an account, there is an effect that it is possible to conveniently pay by credit card and enjoy various benefits for rent, deposit, management fee, congratulatory money, condolence money, etc. that cannot or cannot receive a credit card.

1 is a block diagram of an account transfer system by card payment according to an embodiment of the present invention.
2 is a flowchart of a method for transferring an account by card payment according to an embodiment of the present invention.

In the present invention, various modifications may be made and various embodiments may be provided, and specific embodiments will be illustrated in the drawings and will be described in detail in specific details for carrying out the invention. However, this is not intended to limit the present invention to a specific embodiment, it should be understood to include all changes, equivalents, and substitutes included in the spirit and scope of the present invention. In describing each drawing, similar reference numerals have been used for similar elements.

Terms such as first, second, A, and B may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first element may be referred to as a second element, and similarly, a second element may be referred to as a first element. The term and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it may be directly connected or connected to the other component, but other components may exist in the middle. It should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" are intended to designate the presence of features, numbers, steps, actions, components, parts, or combinations thereof described in the specification, but one or more other features. It is to be understood that the presence or addition of elements or numbers, steps, actions, components, parts, or combinations thereof does not preclude in advance.

Unless otherwise defined, all terms including technical or scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in the present application. Does not.

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

1 is a block diagram of an account transfer system by card payment according to an embodiment of the present invention.

Referring to FIG. 1, the account transfer system 100 by card payment according to an embodiment of the present invention includes a withdrawal customer terminal 100, a transfer service server 200, a payment gateway (PG) server 300, and credit. It may be configured to include a card company server 400.

The account transfer system 100 by card payment is configured so that a withdrawal customer who wishes to transfer rent, jeonse/month deposit, real estate fee, management fee, congratulatory money, condolence money, etc., can make a credit card payment instead of cash transfer.

The transfer service server 200, the PG server 300, and the credit card company server 400 are configured to transfer the corresponding amount based on credit card payment, so it is convenient for credit cards to other parties in areas that cannot be purchased with a credit card. It is configured to make the desired cash remittance through payment.

Hereinafter, a detailed configuration will be described.

The withdrawal customer terminal 100 may be configured to request a transfer by credit card payment to the transfer service server 200, the PG server 300, or the credit card company server 400.

In addition to this, the withdrawal customer terminal 100 may request a transfer to a mobile communication service provider server (not shown), a gift certificate payment server (not shown), etc. that perform micro-payment by mobile phone. In other words, there is no limit to a business server (not shown) provided with a payment method.

The transfer service server 200 is configured to request a credit card payment according to the request of the withdrawal customer terminal 100 to the PG server 300 or the credit card company server 400, and to perform a payment according to the corresponding credit card payment. I can.

The transfer service server 200 includes a first payment information receiving module 201, a first deposit transfer account receiving module 202, a first transfer amount information receiving module 203, a first payment request module 204, and a first Configured to include a payment proxy request module 205, a first fee preemption module 206, a first account transfer execution module 207, a URL/QR code generation module 208, and a URL/QR code transmission module 209 Can be.

Hereinafter, a detailed configuration will be described.

The first payment information receiving module 201 may be configured to receive first payment information for credit card payment from the withdrawal customer terminal 100.

The first payment information may be a document such as a credit card information of a withdrawal customer and a contract that serves as a basis for making an account transfer.

For example, there may be a credit card number and a real estate contract for rent, a deposit for jeon/month rent, a real estate fee, and a wedding invitation for a wedding gift.

The first deposit transfer account receiving module 202 may be configured to receive a deposit transfer account for money transfer from the withdrawal customer terminal 100.

The first transfer amount information receiving module 203 may be configured to receive transfer amount information for transfer amount from the withdrawal customer terminal 100.

The first payment request module 204 uses the credit card payment information received from the first payment information receiving module 201 and the transfer amount information received from the first transfer amount information receiving module 203 to the credit card company server 400. ) May be configured to request a credit card payment.

The first payment proxy request module 205 uses the credit card payment information received from the first payment information receiving module 201 and the transfer amount information received from the first transfer amount information receiving module 203 to the PG server 300. ) May be configured to request a credit card payment proxy.

The first fee preemption module 206 may be configured to preempt a predetermined fee from the credit card payment amount of the credit card company server 400.

The first account transfer execution module 207 may be configured to perform an account transfer of a transfer amount corresponding to the transfer amount information received to the transfer account received by the first transfer account receiving module 202.

The URL/QR code generation module 208 connects to the transfer service server 200, the PG server 300, or the credit card company server 400 so that the withdrawal customer terminal 100 can transfer money using credit card payment. It can be configured to automatically generate URL/QR codes for derivation.

The URL/QR code transmission module 209 may be configured to transmit the URL/QR code automatically generated by the URL/QR code generation module 208 to the withdrawal customer terminal 100.

The payment gateway (PG) server 300 may be configured to request a credit card payment according to the request of the withdrawal customer terminal 100 to the credit card company server 400, and to perform a payment according to the corresponding credit card payment.

The payment gateway (PG) server 300 includes a second payment information receiving module 301, a second deposit and transfer account receiving module 302, a second transfer amount information receiving module 303, and a second payment request module 304. , May be configured to include a second fee preemption module 305, a second account transfer execution module 306.

Hereinafter, a detailed configuration will be described.

The second payment information receiving module 301 may be configured to receive second payment information for credit card payment from the withdrawal customer terminal 100.

The second deposit transfer account receiving module 302 may be configured to receive a deposit transfer account for money transfer from the withdrawal customer terminal 100.

The second transfer amount information receiving module 303 may be configured to receive transfer amount information for payment from the withdrawal customer terminal 100.

The second payment request module 304 uses the credit card payment information received from the second payment information receiving module 301 and the transfer amount information received from the second transfer amount information receiving module 303 to the credit card company server 400. ) May be configured to request a credit card payment.

The second fee preemption module 305 may be configured to preempt a predetermined fee from the credit card payment amount of the credit card company server 400.

The second account transfer execution module 306 may be configured to execute an account transfer of the transfer amount corresponding to the transfer amount information received to the deposit transfer account received by the second transfer account receiving module 302.

The credit card company server 400 may be configured to perform a credit card payment according to a request of the withdrawal customer terminal 100 and transfer money based on the credit card payment.

When a credit card payment is made based on a request from the transfer service server 200 or the PG server 300 rather than a direct request from the withdrawal customer terminal 100, the credit card company server 400 transfers the corresponding amount to the transfer service server 200 ) Or the PG server 300, and the transfer service server 200 or the PG server 300 may be configured to transfer the received amount to the corresponding deposit and transfer account 10.

The credit card company server 400 includes a third payment information receiving module 401, a third deposit and transfer account receiving module 402, a third transfer amount information receiving module 403, an account transfer control module 404, and a credit card payment. It may be configured to include a module 405, a third fee preemption module 406, and a third account transfer execution module 407.

Hereinafter, a detailed configuration will be described.

The third payment information receiving module 401 may be configured to receive third payment information for credit card payment from the withdrawal customer terminal 100.

The third deposit transfer account receiving module 402 may be configured to receive a deposit transfer account for money transfer from the withdrawal customer terminal 100.

The third transfer amount information receiving module 403 may be configured to receive transfer amount information for transfer amount from the withdrawal customer terminal 100.

The account transfer control module 404 includes the third payment information received from the third payment information receiving module 401, the deposit transfer account received from the third transfer account receiving module, and the transfer received from the third transfer amount information receiving module. It can be configured to control the account transfer according to the amount information.

The credit card payment module 405 may be configured to perform a credit card payment according to the third payment information received from the third payment information receiving module and the transfer amount information received from the third transfer amount information receiving module 403. .

The third fee preemption module 406 may be configured to preempt a predetermined fee from the credit card payment amount of the credit card payment module 405.

The third account transfer execution module 407 is an account of the transfer amount corresponding to the transfer amount information received from the third transfer amount information receiving module 401 to the deposit transfer account received by the third deposit transfer account receiving module 402 It can be configured to perform a transfer.

On the other hand, when the withdrawal customer terminal 100 requests a credit card payment and a payment based on the transfer service server 200 or the PG server 300, it is operated by the following process.

First, the second payment request module 304 of the PG server 300 may be configured to request a credit card payment to the credit card company server 400 according to the credit card payment agent requested by the first payment agent request module 205. have.

In addition, the credit card payment module 405 of the credit card company server 400 performs credit card payment according to the request of the second payment request module 204 based on the request of the credit card payment agent of the first payment agent request module 205. It can be configured to perform.

Here, the second fee preemption module 305 of the PG server 300 is a predetermined amount from the credit card payment amount of the credit card company server 400 based on the credit card payment agent requested by the first payment agent request module 205. It can be configured to preempt fees.

And the second account transfer execution module 306 of the PG server 300 transfers the transfer amount corresponding to the transfer amount information according to the payment proxy request of the first payment proxy request module 205 to the first account transfer execution module 207 Can be configured to transfer to.

And the third account transfer execution module 407 executes a second account transfer of the transfer amount according to the request of the second payment request module 204 based on the request of the credit card payment agent of the first payment agent request module 205 It may be configured to perform a transfer of accounts to module 306.

Meanwhile, transfer service companies and credit card companies can recruit deposit customers and provide transfer services without PG's intervention. This operation method may be implemented by a configuration of a payment request of the first payment request module 204 and an account transfer control of the account transfer control module 404.

Specifically, the transfer service company that operates the transfer service server 200 directly opens an online site to promote it, and operates it in the first way to provide services by recruiting customers, or to open an online franchise in collaboration with a credit card company. Thus, the process can be operated in a second way to recruit customers and provide services.

As another business method, the process can be operated in a third way in which the above two methods are mixed and a separate business alliance is established with a credit card company to recruit customers and provide services.

Of course, there are no restrictions on the above three types of business methods.

And in the first method to the third method, the customer's withdrawal customer's card payment can be received from the transfer service company and transferred to the deposit transfer account 10, or the credit card company receives the card payment amount and transfers the payment to the deposit transfer account 10. You may.

However, in the first method, the credit card company provides the fee for promotion and card payment of the transfer service company to the transfer service company, and in the second method, the transfer service company pays the fee to the credit card company, and in the third method, the fee is charged. The withdrawal is borne by the customer, and the transfer service provider can receive a separate fee from the credit card company in addition to the customer's fee.

Since neither the first method nor the third method goes through PG, the withdrawal customer has the advantage of being able to use it at a much lower fee than before.

2 is a flowchart of a method for transferring an account by card payment according to an embodiment of the present invention.

Referring to FIG. 2, the withdrawal customer terminal 100 requests a payment by credit card payment to the credit card company server 400 (S101).

Next, the credit card company server 400 performs a credit card payment according to the request of the withdrawal customer terminal 100 (S102).

Next, the credit card company server 400 executes a corresponding transfer according to the credit card payment performed (S103).

Although described with reference to the above embodiments, those skilled in the art can understand that various modifications and changes can be made to the present invention without departing from the spirit and scope of the present invention described in the following claims. There will be.

100: withdrawal customer terminal
200: transfer service server
201: first payment information receiving module
202: first deposit transfer account receiving module
203: first transfer amount information receiving module
204: first payment request module
205: first payment proxy request module
206: first fee preemption module
207: first account transfer execution module
208: URL/QR code generation module
209: URL/QR code transmission module
300: payment gateway (PG) server
301: second payment information receiving module
302: second deposit transfer account receiving module
303: second transfer amount information receiving module
304: second payment request module
305: second fee preemption module
306: second account transfer execution module
400: credit card company server
401: third payment information receiving module
402: third deposit transfer account receiving module
403: third transfer amount information receiving module
404: account transfer control module
405: credit card payment module
406: 3rd fee preemption module
407: third account transfer execution module

Claims (4)

A withdrawal customer terminal requesting payment by credit card payment;
A transfer service server that requests a credit card payment according to the request of the withdrawal customer terminal and transfers money according to the credit card payment;
A payment gateway (PG) server that requests a credit card payment according to the request of the withdrawal customer terminal and transfers money according to the credit card payment;
Including a credit card company server that performs a credit card payment according to the request of the withdrawal customer terminal,
The transfer service server,
A first payment information receiving module for receiving first payment information for the credit card payment from the withdrawal customer terminal;
A first transfer account receiving module for receiving a transfer account for transfer of money from the withdrawal customer terminal;
A first transfer amount information receiving module for receiving transfer amount information for transfer amount from the withdrawal customer terminal;
A first payment request module for requesting a credit card payment to the credit card company server using the credit card payment information received from the first payment information receiving module and the transfer amount information received from the first transfer amount information receiving module;
A first payment proxy request module for requesting a credit card payment agent to the PG server by using the credit card payment information received from the first payment information receiving module and the transfer amount information received from the first transfer amount information receiving module;
A first fee preemption module for preempting a predetermined fee from the credit card payment amount of the credit card company server;
And a first account transfer execution module for executing an account transfer of the transfer amount corresponding to the received transfer amount information to the transfer account received by the first transfer account receiving module,
The PG server,
A second payment information receiving module for receiving second payment information for the credit card payment from the withdrawal customer terminal;
A second transfer account receiving module for receiving a transfer account for transfer of money from the withdrawal customer terminal;
A second transfer amount information receiving module for receiving transfer amount information for transfer amount from the withdrawal customer terminal;
A second payment request module for requesting a credit card payment to the credit card company server using the credit card payment information received from the second payment information receiving module and the transfer amount information received from the second transfer amount information receiving module;
A second fee preemption module for preempting a predetermined fee from the credit card payment amount of the credit card company server;
And a second account transfer execution module configured to perform an account transfer of the transfer amount corresponding to the received transfer amount information to the deposit transfer account received by the second transfer account receiving module,
The credit card company server,
A third payment information receiving module for receiving third payment information for the credit card payment from the withdrawal customer terminal;
A third transfer account receiving module for receiving a transfer account for transfer of money from the withdrawal customer terminal;
A third transfer amount information receiving module for receiving transfer amount information for transfer amount from the withdrawal customer terminal;
Control account transfer according to the third payment information received from the third payment information receiving module, the transfer account received from the third transfer account receiving module, and the transfer amount information received from the third transfer amount information receiving module. An account transfer control module;
A credit card payment module that performs a credit card payment according to the third payment information received from the third payment information receiving module and the transfer amount information received from the third transfer amount information receiving module;
A third fee preemption module for preempting a predetermined fee from the credit card payment amount of the credit card payment module;
And a third account transfer execution module for executing an account transfer of the transfer amount corresponding to the transfer amount information received from the third transfer amount information receiving module to the deposit transfer account received by the third transfer account receiving module. Become,
The second payment request module,
It is configured to request a credit card payment to the credit card company server according to the credit card payment agent requested by the first payment agent request module,
The credit card payment module,
Is configured to perform a credit card payment according to the request of the second payment request module based on the request of the credit card payment agent of the first payment agent request module,
The second fee preemption module,
It is configured to preempt a predetermined fee from the credit card payment amount of the credit card company server based on the credit card payment agent requested by the first payment agent request module,
The second account transfer execution module,
The transfer amount corresponding to the received transfer amount information is transferred to the first account transfer execution module by account according to the request for payment by the first payment agent request module,
The third account transfer execution module,
In accordance with the request of the second payment request module based on the request of the credit card payment agent of the first payment agent request module, the transfer amount is configured to execute an account transfer to the second account transfer execution module,
The transfer service server,
A URL/QR code generation module that automatically generates a URL/QR code for inducing access to the transfer service server, the PG server, or the credit card company server so that the withdrawal customer terminal can transfer money using credit card payment. ;
And a URL/QR code transmission module for transmitting the URL/QR code automatically generated by the URL/QR code generation module to the withdrawal customer terminal. delete delete delete

Images