KR20040095390A - Electoronical Banking Direct Payment Gateway Technology System - Google Patents

Abstract

PURPOSE: A technology for realizing an instant settlement of electronic banking using the wired/wireless communication is provided to activate cash-flow of a customer on the offline by instantly depositing cash when a sale is generated at a contracted member shop and make a financial market of card companies firm by increasing a credit card use ratio. CONSTITUTION: An approval request/certification process is performed through a member shop registration process and a sale slip generation process(S2). Account transfer is performed through a transaction price account deposit process(S52). A loan approval/deposit process of a capital company and a bank is processed through an instant settlement system(S90). The member shop management and the instant settlement are requested through an agent repayment fee giving process(S92). A risk diagnosis/VAN(Value Added Network) member shop registration business is processed through an instant repayment particulars settlement process(S97).

Description

Electronic banking instant payment implementation technology using wired and wireless communication {Electoronical Banking Direct Payment Gateway Technology System}

According to the present invention, due to the existing process of paying the merchants cash in cash after 14 days of approval of the sales slip through the financial VAN after the sales slip is generated at the credit card merchant, it is difficult for the employer to use the cash. It was a reality that I had to have.

In particular, credit card companies have to accept and approve risk-financing sales because they have no choice but to accept the sales of credit card holders.

Accordingly, the present invention effectively introduces electronic banking instant payment processing technology into the financial field, and the affiliated merchant actively deposits cash in a manner of depositing cash immediately after a certain process of sales immediately, and the credit card company uses a credit card. The ratio of credit card companies can strengthen the financial markets of card companies, and financial institutions can quickly process cash rotations in financial and non-financial markets by attracting stable lenders. Provides technology that can greatly reduce time, manpower, cash flow, and overall expenses in accordance with financial processing through the improvement of business sales, smooth cash flow, and rapid processing through a digital financial infrastructure that can satisfy such needs. do.

1 is a service configuration diagram of an electronic financial instant payment implementation technology of the technology according to the present invention,

Figure 2 is an instant payment process of the electronic financial instant payment implementation technology of the technology according to the present invention,

Figure 3 is a flow chart of the overall work flow of electronic financial immediate payment implementation technology of the technology according to the present invention.

In order to achieve the above object, the present invention provides a method for providing electronic banking information between an operator and a user on a computer. The operator is provided with a HOST computer, a database computer, and a network system required for an electronic banking instant payment system. In order to provide an electronic banking instant payment system through a communication terminal system such as a general computer and a card terminal, a mobile phone, and a PDA, the user must first start the system through a member startup step (S1); Through the immediate settlement agreement member affiliated stores, sales slip generation step (S2); Merchant's sales slip is generated through the VAN transaction approval request step (S3) for approval of the generated slip; Request the approval of the sales slip through the VAN connection step (S4); Check the connection to VAN's HOST for approval of the documents requested through. At this time, if the VAN connection is not available VAN transaction approval request step (S3); The same process is performed repeatedly until a connection is given to the control. If the access is allowed to the VAN card business transaction approval request step (S5); Connects to the card company's HOST and requests authentication of the credit card, and the card company's connection step (S6); Checks the connection status to the HOST for authentication, in which case, if the connection is not established, the card business transaction approval request step (S5); Repeatedly attempts to perform until the connection is established, and if the connection is completed, the transaction approval step of the card company (S7); After approving the transaction information of the card sales slip requested through the card company transaction approval information step (S8); Immediately through the authentication information payment system step (S9); Analyze and diagnose the presence or absence of risk.

Credit card transaction approval step (S7); If the transaction request is approved by the transaction B account transfer step (S50); Through the deposit verification amount through the payment, repayment amount transfer step (S51); Repayment amount after the remittance of the remittance amount through the bank transfer step (S52); Remittance processing of the remittance amount through the bank, and the bank loan approval step (S11); By:

The information is diagnosed by carefully analyzing the information of the slip and the merchant by the immediate payment system is CP company loan request step (S10); Through the loan request of the capital company according to the superior slip, the bank loan approval step (S11); Approved loan request through the loan, the loan amount C account deposit step (S12); By depositing the loan approval amount, the loan A account transfer step (S13); Remittance process the approved amount to the merchant by the merchant, the merchant transaction withdrawal step (S14); Withdrawal processing of the transaction value of the affiliated merchant by, END step (S15); This process is terminated by

CP company loan request step (S10); The loan repayment information payment details payment step (S94); Payment is sent to, and the immediate payment system step (S95); Searching the information of the affiliated merchant through the VAN affiliated store registration request step (S96); END step (S97) after requesting merchant registration with VAN; End the process by

Immediate payment system step S9; The agent repayment amount fee payment step (S90) for the information accompanying the immediate payment service processed by the agent; Request payment according to the fee generation through, merchant management step (S91); Managing update information of the affiliated store, and making an immediate payment request step (S92); Apply for immediate payment according to the occurrence slip through the application data registration step (S93); Immediate payment system step (S9) that received and registered the information according to the application for immediate payment through; Gives control to continue the next task.

As another feature of the present invention, the instantaneous electronic banking implementation technology applies a system that can efficiently manage the financial business initiated from the beginning of sales, and thus manages risks, risks, assets and sales information of card holders and affiliated stores. By establishing a database such as Cardholder's risk management and merchant's credit risk management, it is possible to prevent the insolvency of the card slips and the processing of the false sales slips that are subsequently generated. To provide.

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

1 is a service configuration diagram of an electronic financial instant payment implementation technology of the technology according to the present invention.

The present invention is a service system that performs a technical process according to the instantaneous payment of electronic banking and non-financial sectors, the merchant is a VAN company using a method via a wired and wireless mobile phone, wireless PDA of the card terminal VAN transfers the access information to the credit card company, diagnoses the insolvency of the credit card, and immediately connects to the VAN to the payment system server to transmit the authentication code information of the authorized contract merchant to the card holder and the merchant. It is an implementation technology of instant payment system that supports the immediate loan by transferring the diagnosed information to CP company by LOAD analysis and processing the information through the database.

2 is an instant payment process of an electronic financial instant payment system of the technology according to the present invention.

The present invention represents the process of performing instant payment of the electronic and financial settlement system of the financial and non-financial sector immediately and is processed on the same day from the existing method which was approved and processed through a certain period through merchants, VAN companies and credit card companies. It is a technology provided to enable the service of RMS system using the development solution of instant payment implementation technology by adding the Bank of Korea Capital.

Figure 3 is a flow chart of the overall work of the electronic financial immediate payment implementation technology of the technology according to the present invention.

The present invention is a member affiliated to the merchant (S10) as a system capable of instant payment processing as an electronic financial immediate payment system of financial and non-financial sector; And sales slip generation (S2) to (S8); Through the process to go through the approval request and certification process respectively, the transaction account B account (S50) ~ (S52); Through the process leading to the bank transfer, and through the immediate settlement system (S9) ~ (S15); processes the loan approval and account deposit process of the capital company and banknotes, payment of agent repayment fee (S90) ~ (S93) ; Apply for merchant management and immediate payment through the process of, repayment details immediately sent payment (S94) ~ (S97); It is a technology that handles tasks from initial sales slip certification request to VAN, card company, RMS solution, capital company, and finance by handling risk diagnosis and VAN merchant registration through the process.

The effect of the present invention is the operator and user of the instantaneous payment system of the financial and non-financial sectors, that is, it is possible to apply the financial business through the credit card companies, financial capital companies, banks in the field of business to the agreement merchants, registration of the merchant unit Electronic financial instant payment implementation technology that can be supported optimal financial services through the capital request through the execution request and electronic bank instant payment implementation technology through wired and wireless (mobile phone, PDA) terminal through the RISK diagnosis and analysis of the merchant It is very effective in terms of time, resources, manpower, and expenses necessary for financial settlement business because it provides technology that can be provided by the rapid communication and payment system provided to the company, especially through financial risk management through RMS solution. Business process is quick and efficient by introducing technology to prevent bad slips and bad affiliates. Based on the technology pursued by the present invention, the emergence of electronic financial immediate payment implementation technology aiming at the realization of the construction cost and high efficiency will be very timely.

It is apparent to those skilled in the art that the present invention is not limited to the embodiments described, and that various modifications and variations can be made without departing from the spirit and scope of the present invention. Therefore, such modifications or variations will have to belong to the claims of the present invention.

Claims (3)

Electronic banking instant payment implementation technology provides a method for providing the information necessary for the electronic banking instant payment system between the operator and the user on a computer: The present invention is a service system that performs a technical process according to the instantaneous payment of electronic banking and non-financial sectors, the merchant is a VAN company using a method via a wired and wireless mobile phone, wireless PDA of the card terminal VAN transfers the access information to the credit card company, diagnoses the insolvency of the credit card, and immediately connects to the VAN to the payment system server to transmit the authentication code information of the authorized contract merchant to the card holder and the merchant. A technology for implementing an instant payment system that supports the immediate loan by transferring the diagnosed information to CP by analyzing and processing the information through a database. Electronic banking instant payment implementation technology provides a method for providing the information necessary for the electronic banking instant payment system between the operator and the user on a computer: The present invention represents the process of performing the instantaneous electronic banking implementation technology of financial and non-financial sectors, and the capital for processing on the day beyond the conventional method that was approved and processed through a certain period through merchants, VAN company, credit card company Technology that is provided to enable the RMS system service using the development solution of instant payment implementation technology by adding banknotes, etc. Electronic banking instant payment implementation technology provides a method for providing the information necessary for the electronic banking instant payment system between the operator and the user on a computer: The present invention is an affiliated member registration (S10) as a system capable of instant payment processing by the instantaneous payment implementation technology of the financial and non-financial sector; And sales slip generation (S2) to (S8); Through the process to go through the approval request and certification process respectively, the transaction account B account (S50) ~ (S52); Through the process leading to the bank transfer, and through the immediate settlement system (S9) ~ (S15); processes the loan approval and account deposit process of the capital company and banknotes, payment of agent repayment fee (S90) ~ (S93) ; Apply for merchant management and immediate payment through the process of, repayment details immediately sent payment (S94) ~ (S97); A technology that handles tasks ranging from initial sales slip certification requests to finance, such as VAN, card companies, RMS solutions, and capital companies, by handling risk diagnosis and VAN merchant registration through the process.