KR20010092887A - Method and system for payment by proxy according to account transfers on the internet - Google Patents

Abstract

PURPOSE: A method and system for paying a charge according to account transfer is provided to enable a user to reduce the burden of the charge generated from the account transfer of a bank by enabling an operator of a predetermined homepage to make other profitable sources such as an advertisement. CONSTITUTION: A general user who wants to receive a service for account transfer in free connects to a homepage(S110) and the user is certified(S115). In case that the user is uncertified, a certification error message is output(S120). In case that the user is certified, information is output(S125). The account transfer to other banks is performed(S130) and it is judged whether the user's limit of the charge is exceeded(S135). In case that the limit isn't exceeded, information on admitting a payment by proxy is transmitted to a bank computation unit(S140). The bank computation unit records information on the payment by proxy in a commission management database(S150). The result is displayed on the user's screen(S155). In case that the limit is exceeded(S135), information on ordering services irrelevant to the payment by proxy is transmitted to the bank computation unit(S160). The user receives the result(S165) and the result is transmitted to a web server(S170).

Description

Method and system for payment by proxy according to account transfers on the internet}

The present invention relates to a method and system for paying fees according to the transfer of funds on the Internet. More specifically, the homepage operator does not withdraw a fee generated during a financial transaction on the Internet to the user's account, thereby allowing the homepage operator to pay other costs such as advertising. It is about how it can be.

With the advent of the information age, the world is increasingly relying on network communications, and computer-based technologies have a profound impact on accessing, storing, and distributing information. It is an electronic commerce that performs financial transactions by exchanging.

In particular, as the Internet is popularized, as shown in FIG. 1, the establishment of a financial common network provides financial services beyond the limitations of trading banks, and banks open their own home pages or third parties By opening a portal website under the agreement of the company, financial conveniences such as home banking and firm banking are being promoted.

As financial services that rely on network communication have been developed, customers who receive general financial services have gained a lot of time and money because they can receive the financial services without visiting the bank.

However, by replacing the fees incurred by cross-border transfers with relatively expensive bills or checks, we are reducing the cost of payments and inter- wire transfer fees. There is a problem that the fee is still transferred to the user burden.

Accordingly, the technical and problem of the present invention is to solve such a conventional problem, and an object of the present invention is to provide a fee payment method on the Internet for paying a fee incurred when the transfer between accounts on the Internet.

Another object of the present invention is to provide a system for performing the fee payment method on the Internet.

1 is a view for explaining a general account transfer system on the Internet.

2 is a view for explaining a fee payment system according to the account transfer on the Internet according to an embodiment of the present invention.

3 is a flowchart illustrating a fee payment method according to the transfer of funds on the Internet according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: payment operation section 110: web server

120: subscriber DB 130: fee management information DB

112: user authentication unit 114: service control unit

116: commission settlement unit 117: first commission management unit

118: first data processing unit 200: bank computer unit

210: second data processing unit 220: second fee management unit

230: bank server 240: fee settlement DB

Fee payment method on the Internet according to one feature for realizing the above object of the present invention,

(a) checking whether the user is authenticated when the user requests a wire transfer fee payment service from the user, and providing the user with information for selecting a bank and a service when the user is authenticated;

(b) checking a fee limit of the user when there is a request for a foreign transfer service from the user;

(c) If the user's fee limit in step (b) exceeds the predetermined fee limit, the link signal is transmitted to the bank to perform a service irrelevant to paying the fee, and the user's fee limit is set. Generating a payment allowance message and transmitting it to the corresponding bank if the fee is less than or equal to the fee limit; And

(d) checking whether payment information including fee and performance history information is received from the bank, recording the payment information if it is received, and displaying a result of the processing of the transfer fee payment service on the user side; Include.

In addition, the fee payment system on the Internet according to one feature for realizing the above object of the present invention,

If it is checked that the user has been authenticated after performing the authentication process of the user who accesses the free transfer service, check the user's fee allowance limit, and if the fee is exceeded, the service is irrelevant. A payment operation unit which transmits information instructing performance to the bank side, and generates payment allowance information and transmits the information to the corresponding bank side when the fee is equal to or less than the allowable fee payment fee; And

When payment allowance information is input from the payment operation unit, a fee and performance history information according to a bank transfer are stored and transmitted to the payment operation unit, and includes a bank computer unit requesting the payment operation unit for a predetermined period.

According to such a method and system for paying fees on the Internet, paying fees between other banks can reduce the economic burden on the user.

Then, embodiments will be described so that those skilled in the art can easily implement the present invention.

2 is a view for explaining a fee payment system according to the account transfer on the Internet according to an embodiment of the present invention.

2, the fee payment system according to the account transfer on the Internet according to the present invention includes a payment operation unit 100, the payment operation unit 100 and the bank computer unit 200 connected by a dedicated line.

The payment operation unit 100 checks the fee allowance limit of the user accessing to receive a free payment service, including the web server 110, the subscriber DB 120, and the fee management information DB 130, and pays the fee. In case of exceeding the allowable limit, information indicative of the performance of the service irrelevant to the payment is transmitted to the bank computer unit 200 through the connected leased line. Through the transfer to the bank computer unit 200.

In this case, the web server 110 includes a user authentication unit 112, a service control unit 114, a fee settlement unit 116, a first fee management unit 117, and a first data processing unit 118. Operate and receive a subscription to the free payment transfer service is registered in the subscriber DB (120). In addition, when the web server 110 receives a request for a corresponding service from the member, the web server 110 authenticates the member based on the member information stored in the subscriber DB 120 and obtains the authentication fee. Checking the limit, if exceeding the fee allowance limit is sent to the bank computer unit 200 instructing the performance of the service irrelevant to the payment, and if the same or less than the allowance for the fee payment fee generation information is generated. To the bank computer unit 200.

In more detail, the user authentication unit 112 performs user registration and authentication processing, and the service control unit 114 pays the fee of the user when the user is authenticated by the user authentication unit 112. A signal for checking the limit is output, and payment allowance information is output in accordance with the response.

The fee settlement unit 116 calculates a fee for the user when the free transfer service performance result of the user is provided from the service control unit 114 and passes through the service control unit 114 and the first fee management unit 117. The fee management limit for each user stored in the fee management DB 130 is updated.

When the first fee management unit 117 receives a signal for checking the fee payment limit of the user from the service control unit 114, the first fee management unit 117 checks the fee payment limit of the corresponding user by checking the fee management DB 130, and responds to the fee. The signal is output to the service control unit 114.

The first data processing unit 118 outputs the payment permission information provided from the service control unit 114 to the bank computer unit 200 through a dedicated line already connected, receives the response signal, and outputs the response signal to the service control unit 114.

The bank computer unit 200 includes a second data processing unit 210, a second fee management unit 220, a bank server 230, and a fee settlement DB 240, in which payment allowance information is input from the payment operation unit 100. In this case, the fee and performance history information according to the transfer of the account is stored and transmitted to the payment operation unit 100, and the request is made to the payment operation unit 100 at a predetermined cycle.

In more detail, the second data processing unit 210 processes and outputs the payment allowance information provided from the payment operation unit 100, and outputs the response information to the payment operation unit 100.

The second fee management unit 220 provides the corresponding interline transfer service based on the payment allowance information provided from the second data processing unit 210, and stores the fee according to the fee settlement DB 240, and accordingly the result. The information is output to the payment management unit 100 via the second data processing unit 210.

The bank server 230 performs the inter-transfer transfer service provided from the second fee manager 220 by accessing the bank common network, and as a result, a signal is settled through the second fee manager 220. ).

As described above, the payment operation unit 100 connected to the bank computer unit 200 setstles a fee to be paid on a regular or irregular basis in accordance with a predetermined contract.

In addition, the reason for setting the fee limit is to balance the income for operating the homepage and to prevent the user from using the service intentionally or maliciously.

Hereinafter, referring to FIG. 3, a real-time free payment transfer service control operation according to the present invention will be described.

3 is a flowchart illustrating a fee payment method according to the transfer of funds on the Internet according to an embodiment of the present invention.

2 and 3, first, it is checked whether a general user who wants to receive a free payment transfer service accesses a home page (step S110).

If it is checked in the case of accessing the home page in step S110, it is checked whether the user is authenticated (step S), and if it is checked as an unauthenticated user, an authentication error message is output (step S120). If checked, information for selecting a bank and a service is output (step S125). For example, it outputs selection information including how much money should be transferred to Bank B and how much money should be transferred to Bank B.

In step S125, the bank and the service are selected, and then it is checked whether or not the other transfer is carried out (step S130), and when it is checked that the other transfer is carried out, it is checked whether the fee for the requested transfer amount exceeds the fee limit of the preset user ( Step S135). As mentioned in the description of FIG. 2, the reason for setting the fee limit is to balance the income for operating the homepage and to prevent the user from using the service intentionally or maliciously.

If the amount of money requested to be transferred in step S135 does not exceed the fee limit of the user, the payment allowance information is generated and transmitted to the bank computer unit 200 (step S140).

Subsequently, it is checked whether the fee and the performance history information are received from the bank computer unit 200, and when the fee and the performance history information are received, payment information is recorded in the fee management DB 130 (step S150).

The service processing result is then displayed on the user screen (step S155).

If it is checked in step S130 that the payment is not made and if the fee of the transfer request amount exceeds the fee limit in step S135, information for instructing the performance of the service not related to payment is generated and transmitted to the bank computer unit (step S160).

Then, it is checked whether or not to receive a performance result for each user's mood from the bank (step S165), and when the performance result for the user's mood is received from the bank, the result value is transmitted to the web server 110 (step S170). .

As described above, the present invention maximizes the convenience of the user by paying the account transfer fee between the other lines, and through this, it is possible to prepare a base for securing a subscriber to operate the homepage, thereby making Internet business such as target advertisement according to the propensity of each subscriber. It has the effect as a means to run.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

As described above, according to the present invention, the general user can pay the fee due to the transfer of the account by the predetermined homepage operator to generate other revenue sources such as advertisements without paying the fee generated during the financial transaction on the Internet. Eliminates the economic burden of paying fees that may occur between parties.

Claims (9)

(a) checking whether the user is authenticated when the user requests a service for paying a transfer fee, and providing the user with information for selecting a bank and a service when the user is authenticated; (b) checking a fee limit of the user when there is a request for an outbound transfer service from the user; (c) if the user's fee limit in step (b) exceeds the preset fee limit, the link signal is transmitted to the bank to perform a service irrelevant to paying the fee, and the user's fee limit is set. Generating a payment allowance message and transmitting it to the corresponding bank if the fee is less than or equal to the fee limit; And (d) check whether or not the payment information is received from the bank of step (c), the payment information including the fee and the performance details of the other transfer service, and if the payment information is received, store the payment information and pay the transfer fee to the user; Displaying the processing results of the Fee payment method according to the account transfer on the Internet including. The method of claim 1, wherein the payment permission message of step (c) is transmitted through a leased line. If it is checked that the user is authenticated after performing the authentication process of the user who accesses the other transfer service, check the allowance for the fee payment of the user, and if the fee is exceeded, perform the service irrelevant to the payment. A payment operation unit that transmits information indicating the payment to the bank, and generates payment allowance information and transmits it to the corresponding bank if the fee is equal to or less than the allowable fee payment; And When the payment allowance information is input from the payment operation unit, the bank computer unit stores the payment information including the fee and the performance details of the transfer, and transmits the payment information to the payment operation unit, and requests the fee to the payment operation unit at regular intervals. Fee payment system according to the account transfer on the Internet comprising a. The fee payment system according to the transfer of funds on the Internet of claim 3, wherein the payment operation unit and the bank computer unit are connected through a dedicated line. According to claim 3, The payment operation unit, A subscriber DB storing member information of the wire transfer fee payment service; A fee management information DB for storing a limit amount of the payment fee for each member; And Operate a predetermined home page, apply for membership in other transfer services, register in the subscriber DB, and when a member requests a service, authenticate and authenticate based on the member information stored in the subscriber DB. When the fee is exceeded, if the fee is exceeded, the information for instructing the performance of a service irrelevant to the payment is sent to the bank computer department and the fee is allowed. If it is less than or equal to the limit, a web server that generates payment allowance information and sends it to the bank computer department. Fee payment system according to the account transfer on the Internet, characterized in that it comprises a. The method of claim 5, wherein the web server, A user authentication unit which performs user registration and authentication processing; A service control unit for outputting a signal for checking a fee payment limit of a corresponding user when the user is checked as an authenticated user by the user authentication unit and outputting payment allowance information according to the response; And The data processing unit outputs the payment permission information provided from the service control unit to the bank computer unit, receives the response signal, and outputs the response signal to the service control unit. Fee payment system according to the account transfer on the Internet, characterized in that it comprises a. The method of claim 6, wherein the web server, A first fee manager that checks the fee management DB to check the fee payment limit of the user when the signal for checking the fee payment limit of the user is input from the service control unit and outputs the response signal to the service control unit; ; And Fee settlement unit for calculating the fee for the user when the result of performing the transfer service of the user from the service control unit is output to the service control unit Fee payment system according to the account transfer on the Internet, characterized in that it further comprises a. According to claim 3, wherein the bank computer unit, A data processing unit for processing and outputting payment allowance information provided from the payment operation unit and outputting the response information to the payment operation unit; A fee settlement DB for storing fee settlement data; And Providing the corresponding interline transfer service based on the payment allowance information provided from the data processing unit, storing the fee according to the fee settlement DB, and outputting the result information to the payment operation unit via the data processing unit. Second Fee Management Department Fee payment system according to the account transfer on the Internet, characterized in that it comprises a. The method of claim 8, wherein the second fee management unit, The fee payment system according to the account transfer on the Internet, characterized in that for requesting the payment operation unit the fee stored in the fee settlement DB at a predetermined period.