KR20080048645A - System and method for escrow banking service - Google Patents

Abstract

A system and a method for providing an escrow service in a bank are provided to enable a payer and a receiver to use the escrow service without constructing or registering to an escrow service system by using a banking system providing an escrow transfer menu and an escrow operation server performing the escrow service. A banking system(200) provides an escrow transfer menu for enabling a payer to transfer information including a transfer amount, escrow service setting information, and payment approval information for executing escrowed transfer. An account system host(300) is equipped with an escrow account. An escrow operation server(100) is connected to the banking system and the account system host. The escrow operation server orders the account system host to deposit the transaction amount by receiving the escrow service setting information from a payer terminal(10), and orders the account system to transfer the transaction amount deposited in the escrow account to a receiver account or returns the deposited transaction amount to a payer account by receiving the transfer information and the payment approval information for the escrowed transaction from the payer.

Description

Bank escrow service system and its method {SYSTEM AND METHOD FOR ESCROW BANKING SERVICE}

1 is a flowchart illustrating a conventional bank escrow service method;

2 is a system configuration diagram according to a first embodiment of an escrow service system of a bank of the present invention;

3 is a relationship diagram of the escrow service system of the bank of the present invention,

4 is a flow chart according to a first embodiment of a bank escrow service method of the present invention;

5 is a flowchart of an escrow service method through internet banking according to the first embodiment of the escrow service method of FIG. 4;

6 is a diagram showing a transfer processing screen according to the escrow service method of the bank through the Internet banking of FIG.

FIG. 7 is a diagram showing payment details of a payer escrow account according to the escrow service method of a bank through the Internet banking of FIG. 5;

8 is a view showing a recipient confirmation screen according to the escrow service method of FIG. 5;

9 is a system configuration according to a second embodiment of an escrow service system of a bank of the present invention;

10 is a flowchart according to a second embodiment of a bank escrow service method of the present invention;

11 is a system diagram according to a third embodiment of an escrow service system of a bank of the present invention;

12 is a flow chart according to a third embodiment of a bank escrow service method of the present invention.

* Description of the main parts of the drawings *

100: escrow operation server 120: DB server

130: authentication server 140: communication server

200: banking system 300: account system host

The present invention relates to a method and system for escrow service of a bank that brokers transactions between a buyer and a seller by guaranteeing payment of goods and services, and in particular, embodiments of the present invention require payment guarantees such as real estate transactions as well as goods and services. It relates to a bank escrow service method and system including all monetary transactions.

Today, escrow services are offered as the most trusted way for remitters to send money to recipients, subject to the fulfillment of trade terms between trading partners.

The escrow service is mainly used for the transaction of goods in electronic commerce. The escrow service is mainly built on the server of the e-commerce broker, so that the amount of money remitted for the purchase of the buyer's goods in order to secure a safe and reliable transaction between the seller and the buyer Is a financial service that keeps a temporary deposit and delivers the payment to the seller when the buyer decides to purchase through the seller's delivery.

The escrow service is widely used as a reliable financial service in that there is an intermediary for sincere fulfillment of trade terms between traders.

However, since the above escrow service is used for trading goods on electronic commerce, the risk of hacking or theft of important information is very high, and is limited to the use of the service because it is used only in the scope of goods trading.

This implies that it is difficult to create a generalized escrow system that encompasses various types of transactions in the fields of P2P transactions, B2B transactions, real estate sales and offline mail-order sales.

In this regard, a conventional technique is proposed, in which a bank, which is a practical tool for payment, directly intervenes in an escrow service, and supervises financial transactions between traders.

According to Korean Patent Publication No. 10-2004-0033696, "Escrow service system and a recording medium storing the method and the computer program source thereof", the escrow service system is provided by the buyer and seller who purchased the product through the communication network. Agreeing to use escrow services with a bank; Opening the virtual account for escrow by applying the escrow service to the bank by the buyer by the agreement; Depositing a price of a product purchased by the buyer in the virtual account for the escrow; requesting the bank to notify the seller that the price of the product is deposited from the buyer and to deliver the product; Delivering the goods to the buyer by the seller notified of the deposit received from the bank; Receiving, by the buyer, receiving the goods from the seller and notifying the bank by selecting one of purchase approval and rejection of purchase; And if the buyer approves the purchase, the bank pays the seller and if the buyer rejects the purchase, the bank refunds the buyer, notifies the seller of the refund, or requests the seller to exchange the goods. Characterized in that.

The above escrow service requires a prior agreement between the second financial institution / virtual account management institution (for example, a financial transaction relay internet site) and the bank, or the bank merely functions to approve the virtual account issuance and account management. Therefore, it is a service method proposed to solve the problem of not responding quickly to the increasing e-commerce.

However, the above escrow service must have agreement and agreement of escrow service between traders, which is a prerequisite that both parties must be subscribed or service members.

In addition, the virtual account is a one-time account generated at every transaction, and there is a limit to the previous transaction history inquiry.

An object of the present invention for solving the above problems, the banking system providing an escrow account transfer setting menu, and receives the escrow account transfer setting information from the banking system and deposited in the escrow account of the account account host from the payer's account By the escrow operation server, which sends the deposited amount to the beneficiary account or returns it to the payer's account according to the agreement of the payer, both the trader does not have to establish the escrow service system or subscribe to the service. It relates to a bank escrow service system that can be used.

For the purposes described above, the payer will be able to transfer funds, escrow service setting information, A banking system having a function of providing a menu for inputting information on whether the payer agrees to the execution of the escrow transfer; An accounting host having an escrow account; One side is connected to the banking system and the other side is connected to the account accounting host, receives the escrow service setting information inputted by the payer and instructs the accounting host to deposit the transaction amount in the escrow account accordingly, the payer This account transfer information and the information of the payer's consent to the escrow transfer is entered and the account accounting host is requested to transfer the transaction amount deposited in the escrow account to the payer account or return it to the payer account. This is accomplished by the bank's escrow service system, which includes an escrow operation server.

In addition, according to the present invention, the escrow operation server is establishing a DB server for the deposit details, remittance details or return details of the transaction amount, the banking system is escrow operation server at the request of the payer connected to the banking system It is preferable to further include a function for providing a menu for confirming the deposit details, remittance details or return details of the transaction amount transmitted from the payer.

In addition, according to the present invention, the escrow operation server is constructing a DB server for the deposit details, remittance details or return details of the transaction amount, the banking system is escrow at the request of the payee connected to the banking system It is preferable to further include a function of providing a menu for confirming the deposit details or remittance details of the transaction amount transmitted by the operation server to the recipient.

In addition, according to the present invention, it is preferable that the banking system is any one of a terminal of a bank window, an automated device, an internet banking, a telebanking and a mobile banking.

In addition, according to the present invention, the account transfer information received by the escrow operation server includes information on the recipient's mobile terminal number or email address, the escrow operation server is authenticated by the recipient's mobile terminal number or the recipient's email address By further providing a function of transmitting a code number to the recipient, the request of the recipient accessing the banking system is preferably made by inputting the authentication code number into the banking system to be authenticated and then accessing the escrow operation server.

In addition, according to the present invention, the escrow operation server is linked to the recipient's mobile communication terminal, the recipient's email or the recipient's server, the recipient's mobile communication terminal, the recipient's email or the recipient's e-mail or remittance details of the transaction amount to the recipient It is desirable to be able to transmit.

In addition, according to the present invention, when the escrow operation server instructs the account transfer host to transfer to the payee account, the payee account is preferably a payee account of another bank.

In addition, according to the present invention, the payer banking system having a function for providing a menu that allows the payer to input the account transfer information including the transaction amount, the escrow service setting information and whether the payer consents to the execution of the escrow transfer; and; A payer account-hosting host having a payer escrow account; A payee account-hosting host having a payee escrow account; A payer escrow operation server connected to the payer banking system and the payer bank accounting host; A payee escrow operation server connected to the payee escrow operation server and the accounting host of the payee bank; The payer escrow operation server is configured to include the account transfer information and the escrow service setting information input by the payer through the payer banking system and accordingly deposits the transaction amount in the payer escrow account. Command the payer accounting host, and remit the transaction amount to either the payer accounting host or the payer account according to the payer's consent information on whether or not to perform escrow transfer entered by the payer through the banking system; Instructs the payer account host to return to the account, and transmits the deposit details, remittance details, return details to the payee escrow operation server, the payee escrow operation server sends the account transfer information from the payer escrow operation server Received and sent to the payee account host. To transfer the amount to the beneficiary account below is desirable.

In addition, according to the present invention, the payer escrow operation server and the payee escrow operation server are constructing a DB server for the deposit details, remittance details or return details of the transaction amount, the payer banking system is the payer banking system It is preferable to further include a function of providing a menu for confirming the deposit details, remittance details or return details of the transaction amount transmitted by the recipient escrow operation server at the request of the payer connected to the payer.

In addition, according to the present invention, the payee escrow operation server is establishing a DB server for the deposit details, remittance details or return details of the transaction amount, the escrow service system adds a payee banking system connected to the payee escrow operation server The recipient banking system includes a function for providing a menu for confirming the deposit details or remittance details of the transaction amount transmitted by the recipient escrow operation server to the recipient at the request of the recipient accessing the banking system. It is preferable to provide.

In addition, according to the present invention, it is preferable that the banking system is any one of a terminal of a bank teller, an automated machine, an internet banking, a telebanking, and a mobile banking.

In addition, according to the present invention, (a) the escrow operation server receiving the account transfer information and escrow service setting information including the transaction amount input by the payer through the banking system connected to the escrow operation server; (b) instructing, by the escrow operation server, depositing a transaction amount in an escrow account provided in the accounting host to an accounting host connected to the escrowing operation server according to the received account transfer information and escrow service setting information; (c) receiving, by the escrow operation server, information on whether the payer consents to the execution of the escrow transfer entered by the payer through a banking system connected to the escrow operation server; And (d) instructing the accounting host to return the deposited transaction amount to the payer account or transfer the money to the payer account according to the transfer information and the payer's agreement information. It is preferred to be configured.

In addition, according to the present invention, the escrow operation server is establishing a DB server for the deposit details, remittance details or return details of the transaction amount, and after the step (b) or (d), accessing the banking system The banking system further includes the step of sending the deposit, remittance or return of the transaction amount to the banking system at the request of the payer, so that the payer can confirm the deposit, remittance or return of the transaction amount. It is desirable to be able to.

In addition, according to the present invention, the escrow operation server is establishing a DB server for the deposit details, remittance details or return details of the transaction amount, and after step (b) or step (d), access to the banking system The banking system further includes the step of sending the deposit details or remittance details of the transaction amount to the banking system at the request of the addressee, so that the recipient can confirm the deposit details or remittance details of the transaction amount. .

In addition, according to the present invention, it is preferable that the banking system is any one of a terminal of a bank window, an automated device, an internet banking, a telebanking, and a mobile banking.

In addition, according to the present invention, the account transfer information received by the escrow operation server includes the recipient's mobile communication terminal number, the recipient's email address or information on the recipient server, the escrow operation server is the recipient's mobile terminal number, email By further including a function of transmitting the authentication code number to the addressee or the recipient server, the request of the recipient accessing the banking system is made by entering the authentication code number into the banking system and accessing the escrow operation server. desirable.

In addition, according to the present invention, the escrow operation server is associated with the recipient's mobile communication terminal, the recipient email or the recipient server, and after the step (b) or (d), the escrow operation server deposits the transaction amount. Preferably, the method further includes transmitting the details or remittance details to the recipient's mobile terminal, e-mail or the recipient server.

In addition, according to the present invention, when the escrow operation server (d) instructs the remittance of the transaction amount to the payee account, the payee account is preferably a payee account of another bank.

According to the present invention, (a) the payer escrow operation server of the payer for the account transfer information, escrow service setting information and escrow transfer execution input by the payer through the payer banking system connected to the payer escrow operation server Receiving consent information; (b) depositing, by the payer escrow operation server, the transaction amount in an escrow account provided in the accounting host of the payer bank connected to the payer escrow operation server according to the received bank transfer information and the escrow service setting information; (c) the payer escrow operation server receives the information on whether the payer agrees to execute the escrow transfer entered by the payer through the payer banking system connected to the escrow operation server, and transmits the information to the payee escrow operation server. ; And (d) the payer escrow operation server remitting the transaction amount deposited in the payer escrow account to any of the escrow account or payee account provided in the payee bank's accounting host according to the payer's consent information. It is preferable that it is comprised, including.

According to the present invention, after the step (b) or the step (c), at the request of the payer accessing the payer banking system, the payer escrow operation server transmits to the beneficiary escrow operation server to the banking system. It is preferable to further include transmitting the deposit details, remittance details or return details of the amount, so that the payer can check the deposit details, remittance details or return details of the transaction amount.

According to the present invention, the recipient escrow operation server is connected to the recipient banking system, and after step (c) or step (d), the recipient escrow to the banking system at the request of the recipient accessing the recipient banking system. It is preferable that the operation server further includes the step of transmitting the deposit details or remittance details of the transaction amount, so that the payee can confirm the deposit details, remittance details or return details of the transaction amount.

In addition, according to the present invention, it is preferable that the payer banking system or the payer banking system is any one of a terminal of a bank window, an automated device, an internet banking, a telebanking, and a mobile banking.

In addition, according to the present invention, after the step (d), preferably comprising the step of instructing the accounting host of the payee bank to return the transaction amount transferred to the payee account of the escrow account of the payee accounting host.

Hereinafter, a bank escrow service method and system of the present invention will be described in detail with reference to the accompanying drawings.

2 is a system configuration diagram according to the first embodiment of the escrow service system of the bank of the present invention, Figure 3 is a relationship diagram of the escrow service system of the bank of the present invention.

4 is a flow chart according to the first embodiment of the bank escrow service method of the present invention, Figure 5 is a bank escrow service method through the Internet banking according to the first embodiment of the bank escrow service method of Figure 4 Is a flow chart.

6 is a view showing a transfer processing screen according to the bank's escrow service method through the Internet banking of Figure 5, Figure 7 is a payer according to the escrow service method of the bank through the Internet banking of the bank of Figure 5 FIG. 8 is a diagram illustrating payment details of an escrow account, and FIG. 8 is a diagram illustrating a payee confirmation screen according to the escrow service method of FIG. 5.

9 is a system configuration diagram according to the second embodiment of the escrow service system of the bank of the present invention, Figure 10 is a flow chart according to a second embodiment of the escrow service method of the bank of the present invention.

11 is a system configuration diagram according to the third embodiment of the bank escrow service system of the present invention, Figure 12 is a flow chart according to a third embodiment of the bank escrow service method of the present invention.

2 is an overall configuration diagram according to the first embodiment of the escrow service system of the bank of the present invention, as shown in the drawing, the escrow service system of the bank of the present invention includes a payer terminal 10, a payee terminal 20 The terminal, and the banking system 200, the escrow operation server 100, the accounting host 300, the payer to perform the account transfer through the payer terminal 10.

The payer terminal 10 and the payee terminal 20 are computer terminals capable of internet communication through a web browser having a specification of a general-purpose entry-level PC when the banking system 200 to be described in the following embodiments is an internet banking. In the case of using phone banking, the payer terminal 10 and the payee terminal 20 become the payer or the payee's phone.

In addition, when using mobile banking, the terminal corresponds to a mobile banking capable mobile phone, PDA, wireless Internet notebook, and the like.

In addition, the payer terminal or the payee terminal described above is not used when looking directly at a bank window or an automated device.

In particular, when the payer terminal 10 is a mobile banking or Internet banking, the terminal stores a certificate, etc. in a security operation for performing the account transfer.

The banking system 200 is a bank customer terminal, automated device, Internet banking for the bank customer to process the transfer of the account transfer information and escrow service setting information and the output of the deposit and remittance details according to the account transfer to the terminal It is the name that manages systems such as system, telebanking system and mobile banking system.

In this case, the account transfer information is required for the payer to transfer the account to the payee, which is required to correspond to a deposit and withdrawal bank, a deposit and withdrawal account, a transaction amount, and a recipient's contact information, and the escrow service setting information is provided by a banking system to use an escrow service. By setting the escrow service in the selection menu is the information delivered to the escrow operation server (100).

Accordingly, the banking system 200 provides a menu with an option for selecting an escrow account transfer and a payee contact information so that the payer uses an escrow service.

The recipient contact information is a contact information (either mobile phone number or e-mail address) that can deliver to the recipient the authentication code number that can confirm the transaction details along with the fact that the recipient used the escrow service.

In addition, the banking system 200 to query the transaction history for the escrow account transfer, and provides an execution menu for exercising the expression of consent and rejection for the remittance to the recipient.

In addition, the beneficiary accesses the escrow operation server 100 through the banking system 200, and provides a menu to fill in the authentication code number of the text message transmitted to his / her contact, to the recipient from the escrow account details of the payer. You can check the details of the transfer request.

The escrow operation server 100 is connected to the banking system 200, the transfer and deposit command according to the customer's (payment) escrow transfer request through the banking system 200, the execution of the transfer and deposit It is a server that stores and manages transaction details.

The transfer and deposit order according to the escrow transfer request, according to the escrow setting through the banking system 200 deposits the transaction amount of the payer account in the accounting host 300 to be described below, and the account This is a command to instruct the account account host 300 to transfer the transaction amount of the host 300 to the payer account or return to the payer account according to whether the payer agrees through the banking system 200.

Here, whether or not the payer agrees is information on whether or not to execute escrow transfer input by the payer through the banking system 200. In addition, the execution of the escrow transfer refers to the remittance or return to the payer account of the transaction amount deposited according to the recipient's performance of the transaction.

To this end, the escrow operation server 100 is connected to the DB server 120, the authentication server 130, the communication server 140, etc. of the bank, the payer and the recipient are connected through the banking system 200 to the escrow service Use it.

In addition, the escrow operation server 100 receives the recipient's mobile communication number or email address through the banking system 200, and generates an authentication code number along with the transfer of the account to the email address or mobile communication number Send the Escrow transfer of the payer and the authentication code number, the recipient is connected to the banking system 200 to enter the authentication code number to the escrow operation server 100 to confirm the transaction details of the recipient.

The DB server 120, through the escrow operation server 100, the account transfer information, such as withdrawal account number, the deposit bank, the deposit account number, the transfer amount, the bankbook display details and the payee, which the payer writes when transferring the escrow account; Mobile phone number, and the like, in addition, the payer accesses the banking system 200 and stores the personal information of the payer, the payer account number, the password authorized authentication key number, etc. Doing.

The authentication server 130 performs an authentication operation related to the payer when the payer accesses the bank and transfers the account. The communication server 140 performs the escrow according to the payee contact information (mobile communication terminal number) described by the payer. It is connected to a mobile communication company, a portal service server, etc. to an Internet network or a mobile communication network so as to deliver the encryption code number generated by the operation server 100 to the recipient.

The accounting host 300 has an escrow account and is connected to the escrow operation server 100 so that the transaction amount through actual account transfer is deposited to the escrow account according to the instruction of the escrow operation server 100. It is a banking system that allows the transaction amount of the deposited escrow account to be returned to the payer account or remitted to the payee account.

The accounting host 300 has an account DB, and all the transaction details transmitted from the payment account to the withdrawal account are stored via the accounting host 300.

When the payer inputs the account transfer information, the escrow service setting information and the payee contact information through the banking system 200, the banking system 200 transmits the information to the escrow operation server 100, and the escrow operation server. Through this, the account ordering host 300 deposits the transaction amount in the payer account.

According to the command of the escrow operation server 100, the account account host 300 deposits the transaction amount of the payer account in the escrow account provided in the account account host 300.

In addition, the escrow operation server 100 generates an authentication code number together with the deposit instruction of the transaction amount and transmits it to the recipient's contact information (email or mobile number) described by the payer.

When the recipient enters the authentication code number through the banking system 200 and is authenticated and accesses the escrow operation server 100, the escrow operation server 100 confirms the deposit details through the banking system 200. In the future, it is possible to check the remittance details and return details according to whether or not the payer agrees through the banking system 200 through the same method through the authentication code number.

When the payee confirms the deposit and fulfills the terms of the transaction, the payer accesses the banking system 200 to pay the transaction amount. The banking system 200 sends the transaction amount to the payee. By providing a menu for transmitting the information on the consent of the payer generated through this to the escrow operation server 100 is transmitted.

The escrow operation server 100 receives the information on whether the payer agrees, and instructs the account transfer host 300 to transfer the transaction amount deposited in the escrow account to the recipient, and thus the account transfer host 300. Will transfer the transaction amount deposited in the escrow account to the recipient's account.

However, if the payee does not fulfill the transaction conditions after confirming the deposit situation, the payer accesses the banking system 200 to return the transaction amount to his account, and the banking system 200 pays the payer. By providing a menu for returning the transaction amount back to the payer, the agreement information of the payer generated through the payment is transmitted to the escrow operation server 100.

The escrow operation server 100 receives the consent information of the payer, and instructs the accounting host 300 to return the transaction amount deposited in the escrow account to the payer, and accordingly the accounting host 300 Will return the transaction amount deposited in the escrow account to the payer's account.

Figure 3 shows a relationship diagram showing the trading relationship between the trading parties and the bank, the broker.

The payer 2 has an account of a bank which has set up an escrow operation server 100 to provide an escrow service.

The payee can be any person who has an account of any bank (including a bank on which the escrow operation server 100 is not established) that can receive remittances.

The bank 1 refers to a bank that has an escrow operation server 100 and has an account for remittance of the transaction amount of the payer.

As shown in the figure, when the payer 2 performs escrow transfer through the escrow operation server 100 of the bank 1, the remitter's remittance is the account account host 300 having the escrow account of the bank. Is temporarily deposited in.

At this time, the recipient will be informed of the verification code number in the form of a text message using the mobile phone number that is entered in the escrow account deposit process.This will allow the payee to confirm the amount to be paid to his bank account using the bank's escrow service. You will notice that it is deposited in the bank's escrow account.

Recognizing this, the payee will fulfill the terms and conditions of payment with the payer, who will express his / her satisfaction or dissatisfaction with the payee's sincere fulfillment of the terms and conditions as a request for payment / rejection.

The bank will remit the remitter's remittance amount to the payee's account when the request is made by the payer. In this case, the remittee may agree or reject the remittance amount before the payer's request is made. . (The consent and rejection of the payee can be exercised by receiving the menu of the consent and rejection by entering the authentication code number in the payer's banking system)

In addition, if the payer refuses to pay, the remitter's remittance will be returned to the payer's account, and the bank may notify the payee of the refusal of the payer.

4 is a flowchart illustrating a first embodiment of a bank escrow service method of the present invention.

According to the flowchart of Figure 4, the payer performs a banking system access step (S10) for accessing the banking system 200 of the bank in order to transfer the transaction amount to the recipient.

Therefore, the payer must have a bank account in advance and must be a member to perform the banking system, and receive a certificate and security card for using a mobile terminal or internet banking.

By entering the input of the ID or password by the authentication server 130 performs the escrow transfer selection step (S20) to set the escrow account transfer through the menu or input window for the payer receiving the member authentication to perform the escrow account transfer Done.

In this step, a screen or menu for transferring money is provided, and the withdrawal account number of the payer, the deposit bank, the deposit account number, and the transfer amount are input.

The withdrawal account number is an account newly established in the bank where payment is authorized. Any account can be used as long as the amount and the type of account (deposit account) can be transferred.

The deposit bank is a bank of the payee account, the bank does not matter whether the escrow operation server 100 is established, the deposit account number is the account number of the payee remitted from the escrow account.

Also, the transfer amount is an amount to be provided to the payee according to the recipient's transaction performance.

In addition, in the recipient's mobile phone number, the recipient's mobile phone number (in some cases, an e-mail address may be entered) to receive a short message is entered.

In the above embodiment, an example of transmitting the authentication code number through a mobile phone or an e-mail has been described as an example, but the present invention is not limited thereto.

By pressing all the necessary descriptions and pressing the execute button, the escrow operation server 100 is to perform the transfer step (S30).

As a result, when the option of the escrow transfer setting is selected and the account is transferred to the payee, it is not directly transferred to the payee account number of the payee but is deposited in the escrow account of the account host 300.

In this case, the execution processing method is the same as that in the general account transfer step.

In addition, the escrow operation server 100 generates an authentication code number, and transmits the authentication code number to the input mobile phone number or e-mail.

The payment amount of the payer through the above step of performing the bank transfer is to perform the payment amount deposit step (S40) that is deposited in the escrow account of the bank.

The escrow account whenever the payer uses the escrow service, the details are stored in the account DB and DB server so that the user can check their use status in the future.

After the above step, the payee as well as the payer also performs the check deposit confirmation step (S50) that can be confirmed by accessing the deposit details to be received to the escrow operation server 100 of the bank.

The recipient enters the verification code number of the text message sent to his mobile phone through the banking system 200 and checks the transfer status of the escrow account.

In the above process, the payment execution date, the payment amount, the payment status, etc. can be confirmed.

The payer can choose to agree / deny the transfer of money from the escrow account to the payee's account, and the payee can confirm whether the payee's money has been deposited in the escrow account and agrees to transfer the money to the payee. It can be seen.

If the payee confirms the deposit and fulfills the terms of the agreement with the payer, the payer will perform a transfer agreement step (S51) in which the amount of money is agreed or rejected from the escrow account to the payee's account. If the amount is to perform the withdrawal step (S60) is sent to the payee's account, if the rejection of the payer transfer agreement (S51), the amount is returned to the payer's withdrawal account return step (S53) By doing this, the entire process of the first embodiment of the escrow service method of the present invention is completed.

At this time, if the payer rejects the transfer agreement (S51), the payee refusal consent step (S52) provided as an option in the payee verification process so that the payee also has the right to agree / reject the payer's rejection of the transfer. The remittance return step (S53) may be performed.

5 is an application example according to the first embodiment of a bank escrow service method of the present invention, showing a flow chart of the escrow service method using the Internet banking in the banking system 200, a web page provided accordingly I will explain with 6 ~ 8.

According to the flowchart of Figure 5, the payer performs a login step (S10a) to log in to access the web page of the bank in order to transfer the transaction amount to the recipient.

Therefore, the payer must be a member in order to carry out Internet banking such as bank transfer while having an account of the bank in advance, and must receive an accredited certificate and security card.

By inputting the ID and password, the payer logged in after authentication of the authentication server 130 is provided with an account transfer screen for performing the account transfer, as shown in FIG. 6, the withdrawal account number 71 of the payer , The deposit bank 72, the deposit account number 73, the transfer amount 74, and the like.

The withdrawal account number 71 is a general deposit and withdrawal account created by the payer in the bank.

The deposit bank 72 is a bank of the payee account, the bank irrespective of whether the escrow operation server 100 is established, and the deposit account number is the deposit bank account number of the payee remitted from the escrow account.

In addition, the transfer amount 74 is an amount to be provided to the payee according to the recipient's transaction performance.

The receiving bank account statement 75 is the real name of the payee account sent from the escrow account at the time of inquiry of the payer's escrow account, the bank account statement information 76 is in the account details of the withdrawal account number (71) Any description of the payer described.

The date of execution of the transfer 77 is the actual date of the actual transfer to the escrow account by the payment authorization escrow account transfer, which is the date that occurs at the same time the payer transfers the account to the recipient with escrow transfer setting.

The escrow account transfer selection step (S20a) of selecting an escrow account transfer is performed on the provided screen.

In this step, if the option in the box of the escrow transfer setting 70 is transferred to the payee, it is set to be deposited in the escrow account instead of being directly transferred to the withdrawal account number 71 of the payee.

The user selects to use the escrow transfer set 78, and enters a mobile phone number (in some cases, an e-mail address may be provided) in which the payee can receive a short message in the payee mobile phone number 79.

The payer enters an option and a number in the escrow transfer setting box 70 and then presses a confirmation button to perform an account transfer performing step (S30) of executing an escrow account transfer. Is the same as

In other words, the account transfer proceeds by inputting the security card number and the password of the public certificate in order.

The payment amount of the payer through the above step is to perform the payment amount deposit step (S40a) that is deposited in the payer escrow account of the bank.

The escrow account allows the details to be entered and verified whenever the payer uses escrow services.

In addition, the escrow operation server 100 generates an authentication code number and transmits it to the mobile communication terminal in the form of a text message to the recipient's mobile number (e-mail address).

Through the escrow account deposit, the payee as well as the payee will perform the payee verification step (S50a) to confirm the deposit status.

In this step, the recipient enters the authentication code number generated by the escrow operation server 100 into the banking system 200 so that the check can be confirmed by receiving the access authentication of the escrow operation server 100.

As shown in FIG. 6, in an escrow account, the payment date 81, payment amount 82, payee 83, expected payment date 84, status 85, payment confirmation 86, consent 87, and rejection 88 It will provide a web page for.

The payment date 81 is the same as the transfer execution date 77, the payment amount 82 corresponds to the payment amount of the payer, and the payee 83 is the real name described in the recipient account statement 75.

In addition, the status 85 indicates whether the payer's remittance has been deposited in the escrow account, and the payment confirmation 86 indicates the transfer of the remittance from the payer's escrow account to the recipient's account (87) and By clicking the Reject 88 button.

If the payer presses the consent button 87 to agree that the corresponding amount is transferred to the payee's account in his escrow account (S51a), the payout is performed to the payee account transferring step (S60a) to the payee's account. If the deny button 88 is pressed in order to reject the payer's transfer agreement (S51a), the amount of money is returned to the payer's withdrawal account (S53a).

If the payer agrees to the transfer (S41), the payee accesses the bank's web page of the escrow service used by the payer and checks the payer's escrow account, thereby providing the amount and the payer's transfer of funds to his account from the payer escrow account. You will be asked whether you agree.

As shown in FIG. 8, when the recipient's escrow account inquiry screen is viewed, the payment date 91, the payment amount 92, the payer 93, and the state 95 are inquired.

The payment date 91 is the date when the money is remitted from the payer's escrow account to the recipient's bank account, and the payment amount 92 corresponds to the same amount as the transfer amount deposited by the payer.

In addition, the state 95 indicates a state in which the payer deposits the escrow account or rejects the payment to the payee after depositing.

9 is a system configuration diagram of a second embodiment of the bank's escrow service method of the present invention, and among the above embodiment components, only the escrow operation server 100 'and the recipient terminal 20' of the first embodiment are described. Since the escrow operation server 100 and the payee terminal 20 'are different from other components, the same functions and operations are the same, and thus detailed descriptions thereof will be omitted.

The escrow operation server 100 ′ of the embodiment is connected to the payee server to be directly connected to the payee terminal 20, so that the intermediate banking system 200 is not required.

That is, the payee having the payee terminal 20 'corresponds to a company having a payee server for operating a shopping mall and the like and having a plurality of payers.

Operators, such as shopping malls that sell physical or digital goods or services with multiple payer-seller relationships, can view the details of escrow transfer deposits in the banking system through a verification code number or notify them via email, SMS, or VMS. Since it is difficult to verify the system, it is efficient to connect the escrow server to the computer network and receive the detailed information transmission in real time or in a batch process.

Accordingly, the payee terminal 20 'corresponds to a conventional PC, and is provided with a payee server for directly accessing the escrow operation server 100' to receive a search screen collectively.

In addition, when the recipient wants to access the escrow operation server 100 ', the escrow operation server 100' sorts the deposit / payment results of the escrow transfer stored in the DB server 120 'by the recipient by unit period ( Daily, weekly, monthly).

10 shows a flowchart according to the second embodiment, in which the payer performs a banking system access step (S110) for accessing a banking system 200 ′ of a corresponding bank to transfer a transaction amount to a recipient.

Therefore, the payer must have a bank account in advance and must be a member to perform the banking system, and must receive a certified certificate and security card for using a mobile terminal or internet banking.

By entering the input of the ID or password by the authentication server (130 ') to the escrow transfer selection step (S120) to set the escrow account transfer through the menu or input window for the payer who has received the membership authentication to perform the escrow account transfer; Will be performed.

In this step, a screen or menu for transferring money is provided, and the withdrawal account number of the payer, the deposit bank, the deposit account number, and the transfer amount are input.

The withdrawal account number is an account newly created by the payer in the bank, and any account may be used as long as the transferable amount and account type (deposit account).

The deposit bank is a bank of the payee account, the bank does not matter whether the escrow operation server 100 'is established, the deposit account number is the account number of the payee remitted from the escrow account.

Also, the transfer amount is an amount to be provided to the payee according to the recipient's transaction performance.

By inputting all the necessary descriptions and pressing the execute button, the escrow operation server 100 ′ performs an account transfer execution step (S130).

As a result, when the option of the escrow transfer setting is selected and the account is transferred to the payee, it is not directly transferred to the payee account number of the payee but is deposited in the escrow account of the account account host 300 '.

In this case, the execution processing method is the same as that in the general account transfer step.

The payment amount of the payer through the step of performing the transfer of money is to perform the payment amount deposit step (S140) which is deposited in the escrow account of the bank.

The escrow account whenever the payer uses the escrow service, the details are stored in the account DB and DB server so that the user can check their use status in the future.

After the above step, not only the payer but also the payee will perform the check deposit confirmation step (S150) that can be confirmed by accessing the deposit details that are to be received to the escrow operation server 100 'of the bank.

In the above process, the payment execution date, the payment amount, the payment status, etc. can be confirmed.

In order to check the deposit details, the payee accesses the escrow operation server 100 'and is authenticated as the payee through the authentication server 130', and the deposit situation for the transaction with the payee is provided with an aligned screen. .

The payer can choose to agree / deny the transfer of money from the escrow account to the payee's account, and the payee can confirm whether the payee's money has been deposited in the escrow account and agrees to transfer the money to the payee. It can be seen.

If the payee confirms the deposit and then fulfills the terms of the agreement with the payer, the payer will perform a transfer agreement step (S151) in which the money is agreed or rejected from the escrow account to the payee's account. If the amount is to perform the withdrawal step (S160) that is sent to the payee's account, if the rejection of the payer transfer agreement (S151), the amount is returned to the payer's withdrawal account return step (S153) By doing this, the entire process of the second embodiment of the escrow service method of the present invention is completed.

11 is a system configuration diagram of a third embodiment for escrow transfer and transfer confirmation between other lines in an escrow service system of a bank of the present invention.

In the present embodiment, the banking system, the escrow operation server, and the accounting host have similar specifications and configurations in the first embodiment, and thus detailed descriptions of the similar parts will be omitted.

However, in the third embodiment, the payer and the payee receive escrow services through different banks (banks capable of escrow services), and as a means for the payee to confirm the deposit details, according to the first embodiment Unlike inputting the authentication code number generated by the escrow operation server 100 through the payer's banking system, the payee banking system 200 '' may be immediately identified without an authentication code.

That is, the banking system 200 ″, the escrow operation server 100 ″, the accounting host 300 ″ are built in the payer bank, and the banking system 200 ″ a, the escrow operation server 100 ′. 'a), the accounting host 300''a is built in the recipient bank.

To this end, the banking system 200 ″ is built in the payer's bank and becomes a system used only by the payer. Similarly, the banking system 200 ″ a is built in the payee's bank. It is a system used only.

That is, the banking system 200 ″ provides a menu to the payer to receive only bank transfer information, escrow service setting information, and consent information, and transmits these information to the escrow operation server 100 ″ below.

The escrow operation server 100 '' is to be deposited in the accounting host 300 '' that the payer transfers the account to the escrow setting through the banking system 200 '', and deposited in the accounting host 300 '' Order to return the transaction amount to the payer's account or transfer it to the payee's account or the payee's accounting host (300''a), and the deposit, remittance or return of the transaction amount generated accordingly is sent to the DB server. At the same time with the storage box, the escrow operation server (100a '') is notified when the request of the recipient from the other row.

The accounting host 300 ″ deposits a transaction amount transmitted from the payer account in an escrow account, and according to an order of the escrow operation server 100 ″, the other accounting host 300a ″ of the payee. Or it is connected to the other account host (300a '') or payee account to be sent to any of the payee account.

The accounting host 300a '' receives the transaction amount from the accounting host 300 '', and transfers the received transaction amount to the recipient's account according to the command of the escrow operation server 100''a. do.

In addition, the deposit and withdrawal results are stored in the account DB.

The escrow operation server 100''a receives the deposit details, remittance details or return details from the escrow operation server 100 '' and stores them in the DB server, and the recipient via the banking system 200''a. The deposit details, remittance details or return details are confirmed to the payee by accessing.

When the payer inputs the account transfer information and the escrow service setting information through the menu provided by the banking system 200 ″, the banking system 200 ″ transmits the above information to the escrow operation server 100 ″. The escrow operation server 100 ″ receiving the above information will instruct the accounting host 300 ″ to deposit the transaction amount of the payer account in the accounting host 300 ″. do.

By the command of the escrow operation server 100 ″, the accounting host 300 ″ deposits the transaction amount from the payer's account into the escrow account.

At the same time, the escrow operation server 100 '' transmits the deposit details to the escrow operation server 100''a.

Through this, when the payee accesses the escrow operation server 100''a through the banking system 200''a to confirm the deposit situation of the transaction amount in the payer's escrow account, the escrow operation server ( 100''a) stores the deposit received from the escrow operation server 100 '' in the DB server and confirms to the recipient through the banking system 200''a.

Thereafter, when the escrow operation server 100 receives the consent information of the payer through the banking system 200 ″, the escrow operation server 100 ″ is deposited in the accounting host 300 ″. Order the amount of the transaction to be remitted to the payee's accounting host 300 '' or to the payee account or to be returned to the payer account.

At the same time, the escrow operation server 100 '' transmits the remittance details or return details to the escrow operation server 100''a.

Accordingly, the accounting host 300 'will return the transaction amount to the payer account or send it to the payee account or payee accounting host 300''a.

The transaction amount sent to the payee's account host 300''a is transferred back to the payee's account according to the command of the escrow operation server 100''a.

In addition, the payee is connected to the escrow operation server 100''a through the banking system 200''a, and the escrow operation server 100''a is the escrow operation server 100 ''. Receives the remittance or return details from the DB server.

12 is a flowchart of a third embodiment of a bank escrow service method of the present invention.

According to the figure, the payer performs a banking system access step (S210) for accessing the banking system 200 ″ of the bank in order to transfer the transaction amount to the recipient.

Therefore, the payer must have a bank account in advance and must be a member to perform the banking system, and must receive a certified certificate and security card for using a mobile terminal or internet banking.

By entering the ID or password by the authentication server 130 `` Escrow transfer selection step (S220) for setting the escrow account transfer through the menu or input window for the payer who has received the membership authentication to perform escrow account transfer Will be performed.

In this step, a screen or menu for transferring money is provided, and the withdrawal account number of the payer, the deposit bank, the deposit account number, and the transfer amount are input.

The withdrawal account number is an account newly created by the payer in the bank, and any account may be used as long as the transferable amount and account type (deposit account).

The deposit bank is the bank of the payee account, the bank on which the escrow operation server 100a '' is built, and the deposit account number is the payee account number remitted from the escrow account.

In addition, the transfer amount is the amount to be provided by the payer to the recipient in accordance with the recipient's transaction.

In addition, in the recipient's mobile phone number, the recipient's mobile phone number (in some cases, an e-mail address may be entered) to receive a short message is entered.

By inputting all the necessary descriptions and pressing the execute button, the escrow operation server 100 ″ performs the step of performing the transfer of money (S230).

In this case, the execution processing method is the same as that in the general account transfer step.

Thus, when the option of the escrow transfer setting is selected and the account is transferred to the recipient, the payment amount depositing step (S240) is not directly sent to the recipient's withdrawal account number but is deposited in the escrow account of the account host (300 ''). Done.

In addition, the escrow operation server 100 '' will notify the payee of the escrow deposit status of the payer by the entered mobile phone number or email.

In addition, the escrow operation server 100 '' is stored in the account DB and DB server each time the payer uses the escrow service so that the deposit details, remittance details or return details can be checked in the future.

After the above step, as well as the payer, the payee deposit history confirmation step (S250) that can be confirmed by accessing the deposit details that are to be received by the bank to the escrow operation server (100a '') and the account system host (300a '') of the bank. To perform, the escrow operation server 100 ″ transmits the deposit details and the payment result to the other escrow operation server 100 a ″.

The recipient checks the transfer status of the escrow account through the banking system (200a '') according to the notification of the text message sent to his mobile phone.

In the above process, the payment execution date, the payment amount, the payment status, etc. can be confirmed.

If the payee confirms the deposit and fulfills the terms of the agreement with the payer, the payer will perform a transfer agreement step (S251) in which the amount of money is agreed or rejected from the escrow account to the payee's account. If the amount is to perform the withdrawal step (S260) that is sent from the accounting host (300 '') to either the accounting host (300''a) or the recipient's account (S260), if the payment transfer agreement is rejected (S251) ), The amount of money is returned to the payer's account host (300 ″) to perform the remittance return step (S253), thereby completing the entire process of the third embodiment of the escrow service method of the present invention.

As described in detail above, the escrow service system of the present invention allows the trader to use the escrow service without the payer and the recipient's subscription to the escrow service by the escrow operation server built in the bank, thereby agreeing to each other and using the escrow service. There is no need for consensus, so there is no need for cumbersome contracting.

In addition, through the escrow service method of the present invention, the payer and the payee can check each other's transfer status at any time by accessing the bank's escrow operation server, and through the confirmation and consent process of the trading parties, By maximizing legal protection, you will be able to close a trusted transaction.

The technical idea of the escrow service method and system of the present invention has been described above with the accompanying drawings, but this is only illustrative of the best embodiments of the present invention and is not intended to limit the present invention. In addition, it is obvious that any person skilled in the art can make various modifications and imitations without departing from the scope of the technical idea of the present invention.

Claims (23)

The payer will receive bank transfer details, transaction details, escrow service settings, A banking system having a function of providing a menu for inputting information on whether the payer agrees to the execution of the escrow transfer; An accounting host having an escrow account; One side is connected to the banking system and the other side is connected to the account accounting host, receives the escrow service setting information inputted by the payer and instructs the accounting host to deposit the transaction amount in the escrow account accordingly, the payer This account transfer information and the information on whether the payer consents to the execution of the escrow transfer is input and instructs the account accounting host to transfer the transaction amount deposited in the escrow account to the beneficiary account or return it to the payer account. Escrow Operation Server Bank escrow service system that is configured to include. The method of claim 1, The escrow operation server establishes a DB server for deposit details, remittance details or return details of the transaction amount, and the banking system transmits the transaction amount transmitted from the escrow operation server at the request of the payer accessing the banking system. The bank's escrow service system, further including a function for providing a menu for confirming the deposit details, remittance details or return details to the payer. The method of claim 1, The escrow operation server establishes a DB server for deposit details, remittance details or return details of the transaction amount, and the banking system transmits the escrow operation server transmitted at the request of the recipient to access the banking system. The bank's escrow service system, further including a function of providing a menu for confirming deposit or remittance details of the transaction amount to the recipient. The method according to any one of claims 1 to 3, The banking system is a bank escrow service system, characterized in that any one of a terminal, automated equipment, Internet banking, telebanking and mobile banking. The method of claim 3, wherein The account transfer information received by the escrow operation server includes information on the recipient's mobile communication terminal number or email address, and the escrow operation server sends the authentication code number to the recipient by the recipient's mobile terminal number or the recipient's email address. By further providing a function, the bank's escrow service system, characterized in that the request of the recipient connected to the banking system is made by accessing the escrow operation server after the authentication by entering the authentication code number into the banking system. The method of claim 1, The escrow operation server is linked with the recipient's mobile communication terminal, the recipient's email or the recipient's server, so that the deposit details or remittance details of the transaction amount can be sent to the recipient to the recipient's mobile communication terminal, the recipient's email or the recipient server. Bank's escrow service system. The method of claim 1, When the escrow operation server instructs the account transfer host to remit to a payee account, the payee account is a payee account of another bank. A payer banking system having a function of providing a menu for allowing the payer to input the account transfer information including the transaction amount, the escrow service setting information, and whether the payer consents to the execution of the escrow transfer; A payer account-hosting host having a payer escrow account; A payee account-hosting host having a payee escrow account; A payer escrow operation server connected to the payer banking system and the payer bank accounting host; A payee escrow operation server connected to the payee escrow operation server and the accounting host of the payee bank; Consists of including The payer escrow operation server receives the account transfer information and the escrow service setting information input by the payer through the payer banking system and instructs the payer account accounting host to deposit the transaction amount in the payer escrow accordingly. And remitting the transaction amount to either the payer account host or the payer account or returning it to the payer account according to the payer's consent information on whether the payer executes the escrow transfer entered through the banking system. Instructs the accounting host, and transmits the deposit details, remittance details, return details to the recipient escrow operation server, The payee escrow operation server receives the bank transfer information from the payer escrow operation server and transfers the transaction amount transferred to the payee account host to the payee account. The method of claim 8, The payer escrow operation server and the receiver escrow operation server are constructing a DB server for deposit details, remittance details or return details of the transaction amount, The payer banking system provides a menu for confirming the deposit details, remittance details or return details of the transaction amount transmitted by the payee escrow operation server to the payer at the request of the payer accessing the payer banking system. Bank escrow service system with additional functions. The method of claim 8, The recipient escrow operation server is constructing a DB server for the deposit details, remittance details or return details of the transaction amount, and the escrow service system further includes a recipient banking system connected to the recipient escrow operation server. The banking system is an escrow service of a bank having a function of providing a menu for confirming the deposit details or remittance details of the transaction amount transmitted by the recipient escrow operation server to the recipient at the request of the recipient accessing the banking system. system. The method according to any one of claims 8 to 10, The banking system is a bank escrow service system, characterized in that any one of a terminal, automated equipment, Internet banking, telebanking, mobile banking. (a) receiving, by the escrow operation server, account transfer information and escrow service setting information including a transaction amount input by the payer through a banking system connected to the escrow operation server; (b) instructing, by the escrow operation server, depositing a transaction amount in an escrow account provided in the accounting host to an accounting host connected to the escrowing operation server according to the received account transfer information and escrow service setting information; (c) receiving, by the escrow operation server, information on whether the payer consents to the execution of the escrow transfer entered by the payer through a banking system connected to the escrow operation server; And (d) instructing the accounting host to return the deposited transaction amount to the payer account or transfer the money to the payer account according to the account transfer information and whether the payer agrees or not; Escrow service method of the bank is configured to include. The method of claim 12, The escrow operation server is constructing a DB server for the deposit details, remittance details or return details of the transaction amount, After step (b) or step (d), the escrow operation server transmits a deposit, remittance or return of the transaction amount to the banking system at the request of the payer accessing the banking system. Included, the bank's escrow service method characterized in that the payer can check the deposit details, remittance details or return details of the transaction amount. The method of claim 12, The escrow operation server is constructing a DB server for the deposit details, remittance details or return details of the transaction amount, After step (b) or step (d), the escrow operation server further transmits the deposit or remittance details of the transaction amount to the banking system at the request of the payee accessing the banking system. The escrow service method of the bank, characterized in that the payee can confirm the deposit details or remittance details of the transaction amount. The method according to any one of claims 12 to 14, The banking system is a bank escrow service method, characterized in that any one of a terminal, automated equipment, Internet banking, telebanking, mobile banking. The method of claim 14, The account transfer information received by the escrow operation server includes the recipient's mobile communication terminal number, the recipient's email address or information on the recipient server, and the escrow operation server authenticates with the recipient's mobile terminal number, email address or recipient server. By further including a function of transmitting the code number to the recipient, the recipient's request to access the banking system is made by entering the authentication code number into the banking system to access the escrow operation server, characterized in that the escrow of the bank Service method. The method of claim 12, The escrow operation server is associated with the recipient's mobile communication terminal, the recipient's email or the recipient server.After step (b) or step (d), the escrow operation server records the deposit or remittance details of the transaction amount. The bank's escrow service method, characterized in that it further comprises the step of transmitting to the recipient's mobile communication terminal, email or the recipient server. The method of claim 12, When the escrow operation server of (d) instructs the remittance of the transaction amount to the payee account, the payee account is a payee account of another bank. (a) The payer escrow operation server receives the account transfer information entered by the payer, the escrow service setting information, and whether the payer agrees to execute the escrow transfer through the payer banking system connected to the payer escrow operation server. step; (b) depositing, by the payer escrow operation server, the transaction amount in an escrow account provided in the accounting host of the payer bank connected to the payer escrow operation server according to the received bank transfer information and the escrow service setting information; (c) The payer escrow operation server receives the payer's consent information on whether the payer enters the escrow transfer through the payer banking system connected to the escrow operation server, and sends the information to the payee escrow operation server. step; And (d) the payer escrow operation server remitting the transaction amount deposited in the payer escrow account to any of the escrow account or the payee account provided in the payee bank's accounting host according to the payer's consent information; Escrow service method of the bank is configured to include. The method of claim 19, After step (b) or step (c), at the request of the payer accessing the payer banking system, the deposit details and remittance of the transaction amount transmitted from the payer escrow operation server to the payee escrow operation server to the banking system. The method further includes the step of transmitting the details or return details, so that the payer can confirm the deposit details, remittance details or return details of the transaction amount. The method of claim 19, The recipient escrow operation server is connected to a recipient banking system, and after step (c) or step (d), the recipient escrow operation server sends the transaction amount to the banking system at the request of the recipient accessing the recipient banking system. The method further includes the step of transmitting the deposit details or remittance details of the bank, escrow service method characterized in that the recipient can check the deposit details, remittance details or return details of the transaction amount. The method according to any one of claims 19 to 21, The payer banking system or the recipient banking system is a bank escrow service method, characterized in that any one of a terminal, automated equipment, Internet banking, telebanking, mobile banking. The method of claim 19, And after the step (d), instructing the accounting host of the paying bank to return the transaction amount remitted to the paying account's escrow account to the paying account.

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