KR20010044731A - System and Method for managing remittances using internet banking - Google Patents

Abstract

PURPOSE: A system and a method for management of account transfer using internet banking are provided to store data of remittance or account transfer and information necessary to account transfer in customer's computer, output the data and information if necessary and inform automatically remittance or account transfer of a recipient. CONSTITUTION: A communication device(101) transmits or receives data through an internet. A customer management device(102) decides and certifies user's connection to a bank server by using information stored in a customer data base(102a) in response to customer's request for connection. An account transfer management device(103) outputs information of an account number, a remitter and a recipient stored in an account details data base(103a) in case a customer requests for account transfer and performs input of information. An account transfer storage device(104) stores an amount of money transfered, a recipient and an account number into the account details data base(103a). A report device(105) informs state of account transfer of a recipient with reference to an address stored in an address data base(105a) after completion of account transfer.

Description

System and Method for managing remittances using internet banking}

In the present invention, when performing a transaction such as bank transfer (transfer) through the Internet, the specific account number is stored in advance, and the account number and the recipient can be easily input by one or two clicks, The present invention relates to an account transfer management system and a method for storing, outputting data, and notifying a recipient.

Banks use unmanned management devices, such as cash dispensers and bank accounts, to facilitate business processes and for the convenience of customers. It also provides banking services using internet communications to handle banking services such as balance checks and bank transfers (including remittances) without going directly to the bank. Customers who wish to use the balance inquiry or bank transfer service can access the bank account number (or account) for withdrawal and deposit from the service screen after accessing the web page containing the bank transfer form of the bank to which they subscribed through the Internet. If you input the necessary data for balance inquiry or account transfer such as number) and password, the central server of the bank processes the requested service and then prints the result on the customer's terminal screen to confirm the transaction.

As mentioned above, Internet banking is convenient because you can check your balance or transfer money at home or at work, even if you do not go directly to the bank.However, each time you transfer money, you can manually withdraw the bank account number and password. Because you have to enter, you should keep a memo with the account number. If you lose the memo, you have to check the account number again. Also, when you enter the account number, you must check whether the entered number is entered correctly. I could not rest assured.

In addition, when making frequent transfers or remittances, the bank transfers should be inquired later, unless the bank transfers or remittances are classified and recorded separately. When it is difficult to check the bank transfer history, duplicated account transfers or remittances may occur, and the transfer time is lost because the account transfer cannot be made because the account has to be transferred.

In addition, after processing the transfer or remittance, etc., the recipients of the transfer should be notified by telephone or e-mail, but there is a problem that they are not informed that they are lost during other operations.

The present invention has been made in order to solve the above problems, the object of which is to store a specific account number in advance when processing a transfer such as wire transfer or bank transfer over the Internet, and can be entered with a single click, remittance or An object of the present invention is to provide an account transfer management system and method using Internet banking for storing and outputting account transfer data.

Another object of the present invention is to provide an account transfer management system and method using Internet banking that can automatically notify the other recipients after the transfer or remittance.

Still another object of the present invention is to provide an account transfer management system and method using Internet banking that can provide improved services by storing and outputting information required for bank transfer to a PC of a bank or a customer when transferring or remitting money. To provide.

1 is a schematic diagram of an internet communication network according to the present invention;

2 is a block diagram of a bank transfer management system of the present invention;

3 is a flowchart for explaining a method of managing a bank transfer of the present invention.

4A and 4B illustrate one embodiment of a screen showing a display state of an account number;

5 is one embodiment of a screen for input for wire transfer of Internet banking,

Figure 6 is an embodiment of a screen for notifying the account transfer facts,

7 is a block diagram of another embodiment of the bank transfer management system of the present invention;

8 is a flowchart for explaining another embodiment of the bank transfer management method of the present invention.

※ Explanation of symbols about main part of drawing ※

10,12: bank server 20: user PC

101: communication means 102: customer management means

102a: customer DB 103: account transfer management means

103a: account details DB 104: account transfer storage means

105: notification means 105a: contact DB

201: communication means 202: bank account management means

202a: account storage DB 203: account transfer management means

203a: bank transfer storage DB 204: bank transfer notification means

204a: E-mail sending unit 204b: Telephone notification unit

204c: fax transmission unit 205: account transfer output means

206: account form verification means

Referring to the characteristic configuration of the account transfer management system and method using the Internet banking of the present invention for achieving the above object.

Account transfer management system using the Internet banking of the present invention, a communication means for transmitting and receiving data through the Internet, and the customer management means for determining and authenticating the access permission using the information stored in the customer DB for the connection request of the bank customer And, the account transfer management means for outputting all the information about the deposit and withdrawal account number, remitter, recipient, etc. stored in the account history DB and input the information, and the amount transferred, recipient, account number Account transfer storage means for storing the etc. in the account history DB, and a notification means for notifying the recipient of the account transfer status by referring to the destination stored in the contact DB after the account transfer is completed.

In addition, the method of the present invention, the user accesses the bank and authenticates, and if the user selects the account transfer menu, the screen for the account transfer and the data required for the account transfer previously input by the user, and the user, When the user inputs and transmits the information required for the transfer, the bank may perform the remittance processing according to the bank transfer request, store information related to the bank transfer, and notify the wire transfer recipient of the remittance details.

In another embodiment of the bank transfer management system using the Internet banking of the present invention, the communication means for transmitting and receiving data over the Internet, and input the bank number of the bank in the input field and storing the data for the account transfer in the account storage DB A bank account management means, a bank transfer management means for transferring funds through a bank account and storing the result in a bank transfer storage DB, a bank transfer notification means for notifying the recipient of the account transfer, and a bank transfer Characterized in that it comprises a bank transfer output means for visually outputting the details.

In another embodiment of the method of the present invention, the user selects a banking mode and an access bank to access and authenticate, accesses a web page of the selected bank, inputs data for account transfer, and inputs data. And storing the input data at the same time as transmitting to the server of the bank, and notifying the recipient of the fact of the transfer using the stored data when the transfer is normally completed.

Referring to the present invention having such characteristics in detail as follows.

1 is a diagram illustrating a connection state of a system according to the present invention, and it can be seen that a plurality of bank servers 10 and 12 are connected to a user PC 20 through a general internet communication network. Although two bank servers 10 and 12 and one user PC 20 are shown in the figure, it is obvious that this can be extended in number.

The bank servers 10 and 12 are located in respective banks and handle normal Internet banking or PC banking tasks. Each bank server 10, 12 has its own web page, which has its own format. Therefore, in order to check balances or transfer funds by accessing the bank servers 10 and 12, data (account number, password, etc.) corresponding to each bank's unique format must be entered and authenticated for authentication.

FIG. 2 is a block diagram of the first embodiment of the bank transfer system of the present invention, which shows a server portion installed in a bank, and will be described with reference to the server 10 for convenience of description.

As shown, the communication means 101 for transmitting and receiving data through the Internet, and the customer management means 102 for determining and authenticating the access permission using the information stored in the customer DB 102a for the connection request of the bank customer. And, the bank transfer management means 103 for outputting all the information on the deposit and withdrawal account number, the remitter, the recipient, etc. stored in the account history DB (103a) at the request of the customer's account transfer and performs information input; Account transfer storage means 104 for storing the amount of money, the recipient, the account number, etc. in the account history DB (103a), and the account transfer status to the recipient by referring to the destination stored in the contact database (105a) after the transfer is completed. And notification means 105 for informing.

The communication means 101 is for data communication with other computers or servers via the Internet. It controls data for Internet communication such as a modem, leased line or ADSL to transmit and receive data. The communication means 101 may transmit data by using an Internet protocol and providing an interface using a web browser such as Internet Explorer or Netscape Navigator. In particular, it is also used to display the screen for data input for the account transfer provided from the bank server 10.

The customer management means 102 is to set up to connect to the bank to confirm that the customer who wants to work, such as account transfer, access the account is allowed member and to allow access and account transfer. The customer management means 102 checks whether the user is a party user registered using the ID and password inputted by the user when the user requests a connection through the communication means 101. A party user is a person who has applied for banking services to a bank for banking transactions and has a bank account. The customer management means 102 reads the necessary information from the customer DB 102a which stores the ID and password allowed for internet banking and confirms that it is a member. If you are not a member, you will be prompted to connect.

If it is determined that the legitimate member, the customer management means 102 outputs a menu screen. The user selects the necessary functions, such as account transfer and balance inquiry, from the output menu screen.

If the selected function is money transfer or bank transfer, the account transfer management unit 103 outputs the information required for the account transfer previously stored by the registered customer together with the information input screen required for the bank transfer. An example of the information input screen of the bank transfer is shown in FIG. This information input screen differs slightly depending on the bank. Figure 5 shows the screen transfer screen of the "Hanbit Bank" of the domestic bank, and the input fields such as withdrawal account number, password, deposit account number, the name of the account holder. In order to transfer money, the customer had to manually enter the necessary information in each field.

According to the present invention together with the information input screen required for the above-mentioned account transfer, data necessary for withdrawal and deposit of the bank transfer as shown in FIGS. 4A and 4B is displayed.

4A and 4B illustrate an embodiment of a bank account number, an account holder, and the like, which are registered in advance by a user. When the user clicks (or double-clicks) the withdrawal "bank name" on the separate screen displayed as shown in FIG. 4A on the screen for transfer of funds as shown in FIG. Is displayed. Input can be done by placing the cursor in the input box and clicking the bank name or the account number to which the mouse is to be entered.

In FIG. 4A, data on account numbers, account holders, etc. for a plurality of banks is displayed, but in practice, a specific bank tends to allow a customer to store only an account number of its own bank. Therefore, it may be configured to output only the account number of the corresponding bank held by the customer in a state connected to a specific bank, it is apparent that the present invention is not limited by the display example. This problem does not occur in other embodiments of the present invention.

Data such as the bank account number, the account holder, etc. transmitted from the bank transfer management unit 103 are stored in advance in the account history DB 103a of the bank server 10 by the user, and when the customer accesses and the bank transfer function is required. It is output automatically. Of course, it is also possible to enter an unregistered account number directly.

As described above, when the account number is entered in the input box of the web page by the user, the user directly inputs the password using the keyboard. Not storing passwords in advance is intended to maintain transactional safety. If you want, you can save your password and enter it automatically by clicking.

After the input of the password is completed, the user enters the account number of the deposit bank which is transferred to the account and receives the money. This can also be input in the same manner as described above. For example, if the deposit bank is "Kookmin Bank" and the account number is "021-22-0111-998", the cursor can be placed in the deposit bank and the account number input fields sequentially and click the corresponding account number using the mouse. have. Or you can print out the index data based on the account holder, and enter the necessary information such as the account holder and bank transfer number with a single click. After input, the amount of money to be transferred to the account is entered.

When the input of the data required for bank account transfer is completed as above, the user clicks the mouse for a transfer command. When a data transmission command is inputted by a mouse click, data such as an account number, an amount, and a password entered in an input field of a web page are encrypted and transmitted to the corresponding bank server 10 or 12. The bank server 10 processes the remittance service using the account transfer information input from the user. If the remittance service is processed normally, the normal processing result screen is sent to the user PC.

At the same time, the bank transfer storage means 104 stores the bank transfer history normally transferred to the account history DB (103a). The contents stored are the date, time, amount, withdrawal account, deposit account, and recipient for each customer. Stored account details are later sorted and output in a specific format, for example, by date, by address, etc., upon request from the customer.

As described above, after the completion of the transfer, the notification means 105 is used to notify the recipient of the fact of the transfer. The notification means may use ordinary e-mail, fax transmission or automatic voice guidance using a telephone. When using a telephone, it can be limited only when a customer or a recipient specifically designates. 6 shows an example of a transmission message in a form that can be transmitted using an e-mail or a fax.

3 is a flowchart showing the method of the present invention performed in the system as described above, wherein the customer is connected to the bank through the Internet communication network and undergoes an authentication process. The authentication process confirms that the customer is legitimate by entering the ID and password. When the authentication process is finished, the menu screen is displayed on the customer's user PC. The customer selects the required function from the menu screen. If the balance inquiry function is selected, the bank server outputs a screen for performing the selected function. When the customer selects the account transfer, the server outputs an information screen displaying the account number for deposit and withdrawal, the account holder, etc. together with the input screen for the account transfer (see FIG. 5). The customer inputs the necessary information by clicking on the desired account number, account holder, etc. by using the output information screen. Since the detailed input process has already been described, it will be omitted.

As described above, data input such as a withdrawal account number, a remitter, a password, a deposit account number, and a recipient may be inputted one by one using a mouse or collectively. In other words, when the account holder is clicked or double-clicked on the screen of FIG. 4B, the bank, account number, and account holder are simultaneously input.

When the necessary information is completed, the customer presses the data transmission button to send a bank transfer order. When the transfer command and the input data are sent, the server checks whether the account number included in the data is in the correct format, and then processes the transfer. If it is not in the correct format, an error message is displayed.

After the transfer has been processed normally, the server notifies the recipient of the status of the transfer. This can be notified by using the contact address in the bank server when the remittance customer requests the contact address in advance. When the customer inputs the account transfer data, the contact address may be input by making a separate input field or may be set and stored in advance with respect to the account holder of the deposit account of the account history DB 103a. The customer can set up a check box (not shown) to notify the recipient of the status of the transfer if desired.

In addition, the customer can access the bank server to check their account transfer history. In other words, the customer can set specific criteria such as date, month, recipient, etc. on the bank server and output the account transfer accordingly. The output is sent to the user's PC. The customer can save the output to a file or print it using a printer.

Figure 7 is a block diagram of a second embodiment of the bank transfer management system according to the present invention, which does not manage the account transfer history of the customer only in the bank server, but has a feature that can be managed in the user PC.

As shown in Figure 7, the communication means for transmitting and receiving data over the Internet 201, and stores the data necessary for the bank transfer of the bank, and outputs in the input field, the bank name, account number in the account storage DB (201a) Bank account management means 202 for storing account data such as, account transfer management means 203 for storing funds in the account transfer storage DB 203b after transferring funds through a bank account, and account transfer; Account transfer notification means 204 for notifying the recipient of the details, and account transfer output means 205 for visually outputting the details of the transfer.

The communication means 201 is for data communication with other computers or servers via the Internet. It controls data for Internet communication such as a modem, leased line or ADSL to transmit and receive data. The communication means 201 may transmit data by using an internet protocol and providing an interface using a web browser such as Internet Explorer or Netscape Navigator.

The bank account management means 202 stores data about the bank account input by the user in the account storage DB 202a and outputs the stored bank account data. The outputted bank account data is a screen as shown in FIGS. 4A and 4B and is output as a frame screen separate from the web browser screen. Using the output bank account data screen, the necessary data on the bank account transfer screen of a specific bank as shown in FIG. 5 may be input using a mouse. Also, although not shown, it may further store e-mail addresses, telephone numbers, or fax numbers for recipients. This is later used to notify you of the transfer.

Also, if you transfer your account from one account to another at regular intervals, you can do this in one operation. That is, after saving the specific bank and account number (including withdrawal and deposit at the same time), the amount of money transfer in advance, and setting the shortcut function key, press the shortcut function key to access the bank in one operation in the bank account management means 202. Enter the account number. After data such as account numbers are entered, the user enters a password and performs a bank transfer.

After inputting the data for account transfer using the bank account transfer screen, when the account data are transmitted, the account data are transmitted to the bank server 10 or 12. The transferred account transfer history is processed in the bank server and the result is transmitted to the screen of the user PC (20). At this time, the data entered in the account transfer input box is temporarily stored.

When the result of the processing of the account transfer is displayed on the screen of the user PC 20, the account transfer management means 203 of the user PC 20 reads the result and stores the contents. In other words, when the bank server is notified that the bank transfer is normally processed, the bank transfer data is stored in the bank transfer storage DB 203a. The data related to the bank transfer were temporarily stored at the same time as the data inputted in the input box of the screen shown in FIG. 5 by the user to the bank server 10 or 12. After confirming that the data that has been temporarily stored has been normally processed from the bank server 10 or 12, it is confirmed and stored. As described above, the debit-related data of the account transfer are stored for each date and time when the account is transferred.

In the present invention, it is also possible to set to perform the transfer from one account to another specific account automatically connected to the bank at a predetermined time in preparation for the case of performing a regular account transfer. Such a reservation function may be performed using the account transfer management means 203.

When the transfer between banks is completed, the system according to the present invention again waits for a command input from the user. If the user selects another bank transfer, the bank transfer is performed through the same process as described above.

Upon completion of the transfer, the management system of the present invention notifies the recipient of the account transfer. This is performed by the wire transfer notification means 204. The wire transfer notification means 204 transmits via email, telephone and / or fax. For this purpose, the bank transfer notification means 204 includes an e-mail transmitter 204a, a telephone notice 204b, and a fax transmitter 204c.

The e-mail transmitter 204a further adds and transmits data (name, bank name, time, etc.) about a recipient who has made an account transfer to a preset e-mail transmission form. On the other hand, the telephone notification unit 204b calls the other party by pressing the telephone button through the modem, and when the connection is completed, the telephone notification unit 204b indicates that the telephone is connected and makes a call or notifies the user in the form of leaving a voice message using a voice modem. do. The voice message is preferable when providing a message service such as a mobile phone. In addition, the fax transmitter 204c further transmits the data (name, bank name, etc.) for the recipient who has made the account transfer to the preset fax transmission form.

For this purpose, the wire transfer notification means 204 pre-populates data such as an e-mail address, a telephone number, or a fax number for recipients. Alternatively, the bank transfer notification means 204 may use an e-mail address, a telephone number, a fax number, or the like previously stored in the bank account management means 202. This is especially when the bank transfer management means 203 confirms that the bank transfer has been completed normally, sends the email address, telephone number, or fax number for the recipient along with other data.

Shown in FIG. 6 is an example of an account transfer notification form sent by email or facsimile. As shown, data about the recipient's email address (or facsimile number), remittance amount, and remitters are listed and output. Of course, it is also possible to send other forms, and it is clear that data can be added or reduced. However, the phone call does not need a separate form because the user will directly talk to the other party. The account transfer notification means 204 outputs a selection menu screen so that the user can select one or more notification means from among three notification means.

In addition, the account transfer output means 205 displays the account transfer history (full or partial details) on the screen. Also, if necessary, the screen contents can be printed out and stored on the printer. Alternatively, a specific person may be notified by printing an email form (mainly based on the overall transfer history). This output is configured to allow the user to view and select the menu screen.

In addition, the user PC 20 further includes an account form checking means 206. The account form checking means 206 checks the bank account number entered by the user in the input box and confirms whether or not it is suitable for the account number form set by the bank. In other words, since the structure of account numbers is different for each bank, when bank A transfers funds, an error occurs when the account of bank B is entered. Therefore, by checking the structure of the account number, the error is prevented by entering the correct bank account number. To do that.

Referring to the method according to the second embodiment of the present invention carried out in the system having the above configuration using the flowchart of FIG. 8 as follows.

Figure 5 shows the screen transfer screen of the "Hanbit Bank" of the domestic bank, and the input fields such as withdrawal account number, password, deposit account number, the name of the account holder. In order to transfer money, the customer had to manually enter the necessary information in each field.

However, in the present invention, when a specific web page is displayed on the screen as described above, the bank account management means 202 displays a form in which bank accounts are described. 4A and 4B illustrate an embodiment of a bank account number, an account holder, and the like, which are registered in advance by a user. When the user clicks (or double-clicks) the withdrawal "bank name" on the separate screen displayed as shown in FIG. 4A on the screen for transfer of funds as shown in FIG. Is displayed. Input can be done by placing the cursor in the input box and clicking the bank name or the account number to which the mouse is to be entered.

As described above, when the account number is entered in the input box of the web page by the user, the user directly inputs the password using the keyboard. Not storing passwords in advance is intended to maintain transactional safety.

After the input of the password is completed, the user enters the account number of the deposit bank which is transferred to the account and receives the money. This can also be input in the same manner as described above. For example, if the deposit bank is "Kookmin Bank" and the account number is "021-22-0111-998", the cursor is placed in the deposit bank and the account number input fields sequentially and click the corresponding account number by using the mouse. Based on the account holder, you can enter the necessary information at the same time with one mouse click. Then enter the amount to be transferred to the account.

When the input of the data required for bank account transfer is completed as above, the user clicks the mouse for a transfer command. When a data transmission command is inputted by a mouse click, data such as an account number, an amount, and a password entered in an input field of a web page are encrypted and transmitted to the corresponding bank server 10 or 12. At the same time as the data is encrypted and transmitted, the user PC 20 temporarily converts the input data into a specific form. That is, the data is stored in its own user PC 20 at the same time it is transmitted to the bank server.

The account transfer service is processed by the data transmitted to the bank server 10 or 12. If the account transfer related data entered are correct, the result is output on the screen of the user PC 20 after being processed normally. If there is incorrect data input, an error result is displayed.

If it is determined that the processing result is normal, the user PC 20 detects this and confirms that the account transfer data entered immediately before is correct and stores the contents. At this time, it is preferable that the user PC 20 stores the processing result screen transmitted from the bank server 10 or 12 for checking the result. The processing result screen can be saved, for example, in the form of an entire web page in text form (html file form) or in image form. Saved result screen is saved by adding date and time.

As described above, after the transfer through the Internet banking proceeds normally, the user PC 20 notifies the recipient of the result of the transfer. Notification to the recipient may be by fax, telephone or e-mail. The user PC 20 is connected to a normal wireline for telephone or fax calls.

Means for notification of the wire transfer can be configured using a voice modem, a modem, or an Internet phone installed in the user PC 20. The voice modem has a voice transmission function. The voice modem can transmit a voice using a microphone. In addition, the modem includes a function of making a call using the other party's phone number while being connected to a telephone with a fax transmission. In the notification using the telephone, when the telephone is connected to the other party's telephone number, the user may call directly using the handset or leave a voice message using the voice modem. Notification of bank transfers by e-mail, fax, or voice mail will be sent to the bank and time of the transfer.

As described above, after notifying the other party of the fact of the transfer, the standby state is maintained. At this time, if another account transfer command is input, the account transfer is performed through the same operation as described above. If the remittance statement is detected, the bank statement is printed. In this case, the account transfer history may be classified and output by recipient or date.

In the present invention, it is also possible to use not only account transfer (transfer) but also balance check using the bank account management means 202. That is, when the web screen for balance inquiry is outputted, the bank account screen is output by the bank account management means 202, and the user can enter the account number desired for the balance inquiry in the input field to perform the balance inquiry.

In the present invention, it is also desirable to prevent the use of others by setting a password that allows itself to access the system. This can be easily accomplished by the prior art.

As described above, according to the present invention, when a transaction such as bank transfer (transfer) is performed through the Internet, a specific account number is stored in advance, and a single click is inputted to store and output the bank transfer or transfer amount data. There is an effect that can be used when checking the balance.

Claims (10)

Communication means 101 for transmitting and receiving data over the Internet, customer management means 102 for determining and authenticating an access permission using information stored in the customer DB 102a in response to a connection request of a bank customer, and Account transfer management means 103 for outputting all the information on the deposit and withdrawal account number, the remitter, the recipient, etc. stored in the account history DB 103a and performing the information input at the time of the transfer request, and the amount transferred, the recipient, Notification means for notifying the recipient of the account transfer status by referring to the account transfer storage means 104 for storing the account number and the like in the account history DB 103a and the destination stored in the contact DB 105a after the transfer is completed ( Account transfer management system using the Internet banking, characterized in that it comprises a 105). The user accesses and authenticates the bank, and when the user selects the account transfer menu, outputting the screen for the account transfer and data necessary for the account transfer previously input by the user to the user, and providing information necessary for the account transfer. When the input and transmission, the wire transfer processing system using the Internet banking, comprising the steps of performing a remittance processing according to the transfer request and storing the information related to the account transfer, and notifying the remittance details to the account transfer recipients . Communication means 201 for transmitting and receiving data over the Internet, a bank account management means 202 for inputting a bank account number into a text box and storing data for account transfer in an account storage DB 202a, and a bank account Account transfer management means 203 for transferring funds through the account and storing the result in the account transfer storage DB 203b, account transfer notification means 204 for notifying the recipient of the details of the transfer, and account transfer. Account transfer management system using the Internet banking, characterized in that it comprises the account transfer output means for outputting the visual details. The method of claim 3, wherein The bank transfer management system using the Internet banking, characterized in that the account transfer notification means (204) comprises one or a combination of an email transmitter (204a), a telephone notification unit (204b), or a fax transmitter (204c). The method of claim 3, wherein When the bank transfer management system inputs the bank account number in the input field, the bank transfer using internet banking further comprises an account form checking means 206 for detecting whether the correct account number form for the corresponding bank is entered. Management system. The method of claim 3, wherein Account transfer management system using the Internet banking, characterized in that the account transfer output means (205) outputs the details of the account transfer to a printer, an email, or a combination of two or more of the screen. A communication system comprising a plurality of bank servers and at least one or more user PCs connected to the bank servers via the Internet, The user selects the banking mode and access bank, accesses the webpage of the selected bank, inputs data necessary for bank transfer, transfers the input data to the server of the bank, and stores the input data. And, when confirming that the transfer is normally completed, informing the recipient of the fact of the transfer using the stored data. The method of claim 7, wherein The account transfer management method using the Internet banking, characterized in that the step of inputting the data required for the account transfer step of confirming whether the input data conforms to the account number form of a particular bank. The method of claim 7, wherein In the step of notifying the account transfer to the recipient, the account transfer management method using the Internet banking, characterized in that the notification is notified via email, fax or telephone notification. The method of claim 7, wherein The step of inputting data required for the bank transfer, The method further includes the step of storing the bank and account number and the amount of the bank transfer for withdrawal and deposit in advance and setting the shortcut key and then pressing the shortcut key to perform bank access and account number input in one operation. Account transfer management system and method using the Internet banking characterized in that.