KR100362099B1 - System and method for remitting between different banks - Google Patents

Abstract

The present invention relates to a wire transfer system and method, comprising: a client requesting a wire transfer; A server providing a database for managing the information of the client and the bank account information and providing an environment for remittance to the other party via a bank account of the server operator according to a request of the consumer through the client; And a network connecting the client and the server.

In addition, according to the present invention as described above, consumers can transfer money to a desired financial institution without additional remittance fees when using other bank transfers to reduce the cost, all the procedures in one server collectively The treatment has the effect of providing convenience.

Description

System and method for remitting between different banks}

The present invention relates to another remittance system and a remittance method, and in particular, a fee is not charged to remittance using internet banking between the same banks so that consumers can remit without remittance fee when remitting to another bank through internet banking. The present invention relates to a remittance system and method.

Today, a quantum leap in the field of computer-related telecommunications not only dramatically improves work efficiency, but also changes our daily way of life.

For example, the acquisition of information about financial products handled by each financial institution may be performed by the consumer connecting his client computer to the financial institution's server computer using a client / server system connected online on the network. It is possible to obtain information on the appropriate financial institution and the financial products handled by the financial institution, and the consumer may transfer money to a desired external account by using a client computer at home without going directly to the bank.

Internet banking, in particular, increases the number of users by busying modern people with less inconvenience for bankers.

1 is a view schematically showing the configuration of the other party remittance system using the conventional Internet banking

Hereinafter, with reference to Figure 1 will be described in detail for the conventional Internet banking. The client accesses the server of the financial institution where his account is located (103) using the client computer 101 through the network network 102, inputs the account number of the consumer, and passes the authentication procedure to the bank to which the money is to be transferred and the money to be sent. If it is input through the financial settlement source 104 is connected to the server 107 of the financial institution to be remitted to be remitted to the financial institution you want to transfer.

However, in the past, when a consumer goes directly to a bank and makes a wire transfer, a remittance fee is charged not only when using a phone banking for a wire transfer, but also for an internet banking for a wire transfer using the Internet. It is becoming.

The present invention was created in order to solve the above problems, in particular, by using a fee does not apply to remittance using the Internet banking between the same bank so that consumers can remit without remittance fee when remittance to another party through the Internet banking It is an object of the present invention to provide an alternative remittance system and method.

1 is a view schematically showing the configuration of a wire transfer system using a conventional Internet banking.

Figure 2 is a view schematically showing the configuration of the other party remittance system of the present invention.

Figure 3 is a flow chart showing the other party remittance process of the present invention.

Figure 4 is a diagram illustrating the other party remittance process according to the present invention.

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

101, 201, 401 ... Clients 102, 104, 106, 202 ... Network

103, 107 ... Financial institution server 104 ... Financial settlement source

203, 402 ... server 204 ... database

403 ... Bank A 404 ... Bank B

405 ... A bank account for the server operator

406 ... B bank account of the server operator

The other party's remittance system of the present invention for achieving the above object,

A client requesting remittance;

A server providing a database for managing information of the client, a bank account number, and the like so as to be able to transfer money to another party via a bank account of a server operator according to the client's request; And

And a network connecting the client and the server.

Preferably, the database is characterized in that the bank account information of the same server operator as the bank that has the account information of the consumer.

More preferably, the remittance at the server is remitted from the bank account of the client to the bank account of the server operator in response to the client's request, and then in the bank account of the same server operator as the bank to which the client is to transfer money. The client is characterized in that the transfer to the bank to transfer.

In addition, the other party remittance method of the present invention having the configuration as described above,

(a) connecting the client to the server;

(b) requesting a wire transfer through the client accessing the server;

(c) remitting from the consumer's bank account to the server operator's first bank account according to the consumer's request through the client in step (b); And

(d) checking, by the server, whether the money is transferred from the consumer's bank account to the first bank account of the server operator, and remitting from the second bank account of the server operator to the bank to which the consumer wants to transfer money; It is characterized by the configuration.

Preferably, the consumer's bank account and the server operator's first bank account are the same bank account, and the bank through which the consumer wants to transfer money through the server operator's second bank account and the client is the same bank. do.

2 is a view schematically showing the configuration of the other party remittance system of the present invention.

Referring to FIG. 2, the other party remittance system of the present invention includes a client 201, a server 203, and a network 202 connecting the client 201 and the server 203.

In more detail, the server 203 includes a database 204 for managing information of the client 201, bank account information, and bank account information of the server operator.

The bank account held by the server operator here ensures that consumers have all the accounts of available financial institutions.

Figure 3 is a flow chart for explaining the other party remittance process of the present invention having the configuration as described above.

Hereinafter, the other party's remittance process of the present invention will be described in detail with reference to FIGS. 2 to 3.

First, the consumer operates client 201 and connects client 201 to server 203 (step 301).

A consumer who accesses the server 203 through the client 201 requests a wire transfer to the server 203 through the client 201 (step 302).

In the other party remittance request method, the client 201 connected to the server 203 transmits the bank account input by the consumer and the bank account to be remitted to the server 203 through the network 202.

When the bank account information of the consumer and the bank account information that the consumer intends to transfer are transmitted to the server 203 according to the request of the customer's remittance through the client 201 as shown in step 302, the server 203 accesses the corresponding bank server. As a result, money is withdrawn from the consumer's bank account to the same bank account of the server operator by the desired amount (step 303).

In general, when a consumer makes a wire transfer through Internet banking, an authentication process such as inputting an ID and a password of the consumer is performed. When registering a member of the server 203, the ID and password of a bank owned by the consumer are provided in the server 203. Registered and stored in the database 204, the information is used so that the consumer can be immediately processed without a separate authentication process when the server 203 accesses the bank server when a request for a wire transfer is made through the client 201. .

After the above steps 301 to 303, when the amount of money to be remitted to the server operator's bank account is withdrawn from the consumer's bank account, the server 203 checks whether the money is to be transferred and the consumer held by the server operator wants to transfer the money. In the account of the same bank as the bank, the consumer sends money to the bank where the money is to be sent (step 304).

Figure 4 is a diagram illustrating the other party remittance process according to the present invention.

Referring to FIG. 4, when the client 401 accesses the server 402 and requests a remittance from the bank A of the consumer bank 403 to the bank B 404, the servo operator operates in the consumer A bank account. The amount of money is withdrawn (transmitted) to bank A's bank account 405, and server 402 confirms the transfer from the consumer's bank A bank account 403 to server bank A's bank account 405 and at the same time, In the bank account 406, the consumer makes a transfer to the B bank 404, which the customer wants to transfer.

As described above, according to the other party's remittance system and method according to the present invention, consumers can remit money to a desired financial institution without a separate remittance fee when the other party remits money using Internet banking, thereby reducing costs. In B, all procedures are processed in batch to provide convenience.

Claims (7)

A client requesting a wire transfer; A server providing a database for managing the information of the client and the bank account information and providing an environment for remittance to the other party via a bank account of the server operator according to a request of the consumer through the client; And The other party remittance system comprising a network connecting the client and the server. The method of claim 1, And said database comprises bank account information of the same server operator as the bank in which the consumer's account is located. The method of claim 2, The remittance at the server is remitted from the bank account of the consumer to the bank account of the server operator according to the request of the consumer through the client, and then the consumer is transferred from the bank account of the same server operator as the bank to which the client is to transfer money. The other party's remittance system, characterized in that the remittance to the bank to transfer. The method of claim 3, wherein The other party's bank transfer system, characterized in that the bank of the consumer and the server operator when the transfer from the bank account of the consumer to the bank account of the server operator is the same. (a) a consumer connecting a client to a server; (b) requesting a wire transfer through the client connected to the server; (c) remitting from the consumer's bank account to the server operator's first bank account according to the consumer's request through the client in step (b); And (d) checking, by the server, whether the money is transferred from the consumer's bank account to the first bank account of the server operator, and remitting from the second bank account of the server operator to the bank to which the consumer wants to transfer money; The other party remittance method characterized in that the configuration. The method of claim 5, The other bank transfer method, characterized in that the consumer's bank account and the server operator's first bank account is the same bank account. The method of claim 5, The second bank account of the server operator and the bank to which the consumer wants to transfer money is the same bank.