KR20030001846A - Method for the proxy execution of payment and remittance by credit card service via internet - Google Patents

Abstract

PURPOSE: A payment or remittance mediation method is provided to request a cash service of a credit card and to process a financial transaction, specially various fee payments or remittances. CONSTITUTION: The method comprises steps of a member authentication step, a unified management screen display step, a credit card company selection step, a cash service request step, a remittance specification input step, a remittance step and a remittance specification notification step. The user selects a credit card company for receiving a cash service in the credit card company selection step. If the user applies for a cash service to a remittance mediation server, the remittance mediation server applies for the cash service to the credit card company selected by the user by using a screen scraping technique, and enables the user to check a cash service application result. In a case that the cash service application is successful, the user inputs a remittance specification, the remittance mediation server stores the input remittance specification at a database, performs the remittance and notifies the user of the remittance result by using a web server and an e-mail server.

Description

METHODE FOR THE PROXY EXECUTION OF PAYMENT AND REMITTANCE BY CREDIT CARD SERVICE VIA INTERNET}

The present invention relates to a payment and remittance agency method over the Internet, and more particularly to a method for processing the payment and remittance of various charges using a credit card cash service via the Internet.

Recently, due to the development of communication technology, customers who use a bank easily solve the remittance or payment of utility bills through phone banking or internet banking. In this case, the user uses a bank balance in his storage account to settle the transfer or payment. However, if you do not have a balance in your account, you will not be able to use these services.

On the other hand, credit card cash service is a service that allows you to receive credit from a bank even if you do not have a cash balance in the user's storage account. Recently, the most widely used internet cash service is that a user accesses a credit card company's Internet site to receive credit. A service that generates credits within the credit limit of a user's cash service after inputting a certain input value required by a card company. In other words, credit card cash advances and Internet cash advances are a useful way to use when you have no balance in your account.

However, if you want to send money or make various payments using the existing credit card cash service, you can visit the bank or card company where the storage account is opened and apply at the counter, and the automated equipment (ATM) ) To apply for the cash advance, and to perform the remittance and payment, or if you are subscribed to Internet banking, you need to access the bank or credit card company's Internet site and apply for the cash advance. There was a inconvenience to perform various payments. In other words, assuming that a user is using a credit card of several banks or card companies, and wants to receive a cash service through Internet banking and transfer and pay the fee, the user must access the Internet site of the respective bank or card company each time. There is an inconvenience.

Therefore, an object of the present invention is to enable the management of the site screen of each credit card company applying for cash service through the Internet integrated into the web screen of the transfer agent host.

Still another object of the present invention is to enable the client to inquire and confirm in real time whether the cash service that the client applied for through the remittance agent host's web server.

Another object of the present invention is to enable the recipient to notify the remittance details when the client receives the cash service.

Still another object of the present invention is to allow a remittee to deposit a remittance amount in real time after confirming the remittance details.

Another object of the present invention is to encrypt the client's information, remittance details, recipient's information and all information moving between the client's network and the recipient's network for security purposes.

1 is a diagram illustrating a method of interworking a conventional Internet credit card cash service to a host by a screen scraping technique and an example of notifying a remittee of the remittance details through a network;

2 is a diagram illustrating the concept of a payment and remittance service using the network after applying for a credit card cash service on the screen of the remittance agent host according to the present invention.

3 is a flowchart illustrating a concept of a service according to the present invention.

* Description of the symbols for the main parts of the drawings *

201: Client 202: Recipient

203: Host 203-1: Web Server

203-2: Remittance DB 203-3: Mail Server

204: Credit card company 204-1: Cash service application web screen

The payment and remittance agency method using the credit card cash service of the present invention for achieving the above object,

A pre-made exclusive web screen for each credit card company's cash advance site is integrated on one screen of the remittance agent host, and the client selects a desired credit card company;

Performing the act of checking the application result of the cash service application of the selected credit card company in real time in the remittance agent host,

If the credit card cash advance is successful, one-stop notification of the remittance details through the network to the recipient,

When the recipient checks the remittance details through the network and accepts the storage, registering the receiving account with the host in the host, and

And depositing the remittance amount in real time from the same bank account as the recipient account of the remittance agent host's business account.

Further, according to the present invention, the step of integrating each credit card company's cash service site on one screen of the remittance host uses a screen scraping program and a screen scraping technology, and the cash service of each credit card on the screen of the remittance agent host. When the application screen is changed, the changed contents are automatically updated and maintained on the integrated screen of the remittance agent host.

In addition, the method for transmitting the remittance details according to the present invention, the Internet site, e-mail, VoIP (Voice over Internet Protocol) connected via a computer, PDA, Internet phone, mobile phone, SMS, landline, It is characterized by using any one of satellite communications, fax, mail, telegram, kiosk (unmanned guidance system).

(Example)

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. This embodiment is intended to facilitate the description of the present invention, the present invention is not limited only to this embodiment, it will be appreciated that other embodiments may be possible to those skilled in the art.

1 is a diagram illustrating a method of interworking a credit card service using a conventional Internet to a credit card company's host using a screen scraping technique and an example of notifying a remittee of the remittance details through a network.

In the conventional method of paying and remitting a fee through a credit card cash service using the Internet, when a client accesses a credit card company's Internet site and applies for a cash service, the host of the credit card company may request a bank account according to the request. Make a deposit to Therefore, the client had to check the deposit of his / her bank account and access the bank account's Internet banking site or visit the branch to send the money.

However, this method is inconvenient for the client to access the credit card company's Internet site to apply for cash service, apply for the cash service, access the bank account's Internet banking site or visit a branch office, and pay and remit various fees. There is a problem with the lighting that can not determine whether the recipient has received the remittance in real time.

Figure 2 schematically shows a service for the bill payment and remittance through the credit card cash service using the Internet according to the present invention, it is possible to maintain and manage the Internet site of each credit card company on the integrated management screen of the remittance agent host It is possible and shows the function of payment and remittance through the network.

First, when the client 201 connects to the remittance agent host 203 (membership must be preceded in order to access), the credit card company 204 is stored in the web server of the pre-production remit agent host. Exclusive web screens by various credit card companies are displayed on the integrated management screen 204-1.

In order to maintain and manage the Internet sites of several credit card companies in one integrated management screen of the remittance agent host, a dedicated web screen must be produced in advance for each credit card company using a screen scraping program and this technology.

In addition, each credit card company's cash service application screen is automatically checked and the contents are reflected and maintained in the exclusive web screen for each credit card company.

If the client selects the desired credit card company and applies the credit card cash service according to his credit limit on the credit card company's exclusive web screen, the success of the application will be confirmed in real time. When the client confirms the success of the cash service application and inputs remittance details (remittance title, remittance, remittance, remittance information, recipient information, etc.) in the remittance details input tool, the details are transferred to the remittance host of the remittance agent host (203-2). ) Is encrypted and stored.

At this time, the recipient information can be specified by searching in the member DB of the remittance agent host 203 or directly input.

Meanwhile, the remittance agent host 203 acts on the credit card company by using the screen scraping technology to request the cash service request from the client, and inquires whether the deposit amount of the cash service application amount is deposited to the client in real time. . At this time, the cash service application amount may be directly deposited into the client's own account, or may be deposited into the transfer account host's collection account. If the deposit is made directly to the client's own account, the depositing process may be further performed to the transfer account of the remittance agent host. Thereafter, the remittance agent host notifies the recipient of the remittance details input by the client through various means on the network via the mail server 203-3 or the like.

The means for which the remittance details are announced to the recipient through the network in the remittance agent host is an internet site using an internet network through a computer, a laptop, a PDA, an internet phone, an e-mail, a voice over internet protocol (VoIP), an SMS using a mobile phone. All possible means, electronic and non-electronic, may be used, including cordless phones, landlines, satellite communications, fax, mail, telegrams and kiosks.

When the recipient 202 confirms the remittance details known through the network as described above, and the acceptance is accepted, the remittance agent host remits a predetermined fee and remits the remittance to the client.

In addition, in the process of confirming the remittance details by the recipient, the client determines the acceptance confirmation processing period. If the acceptance confirmation is not made by the recipient within the processing period, the remittance is invalidated and the amount is returned to the client's account. It may be refunded.

3 is a flowchart illustrating a concept of a service according to the present invention.

When the client connects to the remittance agent host and goes through the membership verification process, the host's integrated management screen appears. When the client selects a credit card company to apply for cash service according to the remittance history input tool on the integrated management screen and applies for cash service, the remittance host will apply for cash service to the credit card company by screen scraping program technology. The client will be able to verify the success of the application in real time.

According to the success of the cash service application, the client enters the remittance details, which are stored in the database of the remittance agent host, and the remittance details are sent and notified by the host's web server and mail server by means of various networks. Will be. Known remittances are subject to acknowledgment and acceptance by the addressee.

At this time, if the payee is not a member, the payee must register in advance such as bank account number registration. After the remittee's membership registration process, the remittance will be remitted from the remittance host's bank account, such as the recipient's bank account, to the designated account of the recipient registered in the member database of the remittance agent host. The results will be announced back to the client.

According to the payment and remittance agency method using the credit card cash service through the Internet of the present invention, when using the existing credit card cash service to transfer money or to pay various charges, the user must directly open a bank or card company where a storage account is opened. Apply at the window, apply for cash advances using ATMs at banks or credit card companies, perform money transfers and pay bills, or if you are subscribed to Internet banking, visit the website of the bank or card company. When you log in and apply for cash service, you need to enter the recipient's account number to make remittances and various payments. If you want to receive and send and pay the fee, It can solve the inconvenience of having to access the internet sites or visit branches of various banks or card companies each time.

Claims (3)

In the method of performing payment and remittance using credit card cash service on the Internet, A pre-made exclusive web screen for each credit card company's cash advance Internet site is integrated on one screen of the remittance agent host, and the client selects the desired credit card company; Performing a real-time operation of the selected credit card company for the cash service application and checking the application result in a remittance agent host in real time; When the credit card cash service is successful, the client enters the remittance details in one-stop and the remittance details are notified to the recipient through the network; and When the remittee checks the remittance details through the network and accepts the payment, the remittance funds are transferred to the recipient's account in real time from the same bank account as the recipient's account in the remittance account of the remittance agent host, and the remittance result is notified to the client. How to substitute for payment and remittance using a credit card cash service on the Internet, characterized in that it comprises a. The method of claim 1, The step of integrating a pre-made exclusive web screen for each credit card company's cash advance site on one screen of the remittance agent host and selecting a credit card company by the client uses a screen scraping program and this technology and displays the screen of the remittance agent host. When the cash service application screen of each credit card is changed on the screen, the changed contents are automatically checked and updated and maintained on the integrated screen of the remittance agent host. . The method according to claim 1 or 2, The remittance history is known to the recipient, Internet site connected through a computer, PDA, Internet phone, e-mail, Voice over Internet Protocol (VoIP), SMS using a mobile phone, landline, satellite communication, fax, mail How to act as a payment and remittance using a credit card cash service on the Internet, characterized in that using any one of, telegram, kiosk (unmanned information system).