KR100375940B1 - Method for auto transfering and payment - Google Patents

Abstract

The present invention performs an automatic payment service, such as automatic transfer of interbank transfers and credit card payment over the wireless Internet using a computer and a mobile communication device, and informs the customer of the related information using SMS, e-mail, voice mail, etc. It is about automatic transfer and payment method

Features of the present invention, by using a computer banking and mobile communication devices, etc. can be applied for automatic transfer and payment anytime, anywhere, by registering the desired account, you can view all the previous automatic transfer and payment history and must pay in the month It allows you to search the total amount of money, and automatically informs the depositor by SMS, e-mail or voice mail whenever automatic transfer and payment occurs in the account.

The present invention eliminates the hassle of going directly to the bank because the automatic transfer is carried out using a mobile communication device, and in advance by acquiring the settlement amount and the current balance of the corresponding account to properly accumulate the settlement fee to prevent the overdue from occurring. There is an advantage.

Description

Automatic transfer and payment method {Method for auto transfering and payment}

The present invention relates to an automatic transfer and payment method, and more particularly, to perform an automatic payment service such as automatic transfer of inter-bank transfers and credit card settlement over a wireless Internet using a computer and a mobile communication device, and send SMS information to the related information. (Short Message Service), email (E-mail), voice mail, etc. by using the automatic transfer and payment method to notify the customer.

In general, a customer using a bank needs to talk to an agent using the bank's telebanking to find out the details of the direct debits and payments registered in his or her specific account. When a call is made between a customer and an agent, the customer informs the agent of his or her account number and password, and the agent informs the customer of the telephone charges, card charges, and direct debit to a specific account. . At this time, the counselor informs the number of registered direct debits and some billed amounts, and the details or bills related to the relevant banks, such as card charges, red cross donations, insurance amounts, etc., can be guided. In addition, in order to apply for registration of the above-mentioned direct debit and payment application to a specific account, a customer visits the bank directly or a billing company bills the bank directly.

However, the existing method of processing the automatic transfer and payment history occurs the following problems.

Waiting time is required to apply for direct debit and payment by talking with an agent, and only the details related to the bank or the details of the bill can be guided, and the department card or the bill that is not linked to the bank at all times. This variable mobile phone fee cannot be inquired by the bank before the payment date.Even if a third party (not the account holder of the account) applies, the bank transfers the account directly to the account holder before checking the direct debit and payment details of the account directly from the bank. If the billing company bills directly, it is often impossible to check the direct debit and payment details through a bank counselor.

Accordingly, the present invention is to solve such a problem, an object of the present invention is to provide an automatic transfer and payment method that can apply for automatic transfer and payment regardless of time and place using computer banking, mobile communication devices, etc. To provide.

Another object of the present invention is to register the account of the customer as the account holder can see all the previous automatic transfer and payment history, and after checking the details and total amount to be paid in the month and the remaining account balance is less than the payment amount to the customer It is to provide an automatic transfer and payment method that can be prevented in advance by the late charges.

Still another object of the present invention is to provide an automatic transfer and settlement method that automatically informs customers by SMS, email, voicemail, etc. whenever automatic transfer and settlement occurs in the account.

1 is a block diagram for implementing an automatic transfer and payment method according to the present invention,

2a-2b is a flow chart for performing the automatic transfer and payment method according to the present invention,

3a-3b is another flow chart for performing the automatic transfer and payment method according to the present invention,

4 to 9 is an embodiment of the automatic transfer and payment method according to the invention.

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

100: web server 110: business server

120: DB server 130: Bank server

140: computer 150: mobile communication device

160: landline telephone 170: repeater

180, 190, 200, 210, 220: billing company server

In order to achieve the above object, a feature of the present invention includes a computer and a mobile communication device for performing automatic transfer and automatic payment service, and a web server displays a login screen on a screen of the computer and the mobile communication device. A first step of determining whether a member is a business server; A second step of deciding whether to register as a member in the first step and to register automatic transfer and payment if the member is a member; A third step of inputting a bank, account number, and user's body information when registering the direct debit and payment in the second step, and confirming that the account number is a member by the business server; A fourth process of determining whether the account holder is confirmed after performing the third process, and if the account holder is not confirmed, returning to the second process; A fifth step of inputting an automatic transfer and payment target when the account holder is confirmed in the fourth step; A sixth step of performing automatic transfer and payment registration to the corresponding bank account after performing the fifth step, and determining whether the registration is successful; A seventh process of returning to the second process if the registration is not successful in the sixth process and notifying the computer and the mobile communication device of the processing result if the registration is successful; An eighth step of determining whether to use the automatic transfer and payment inquiry system after performing the seventh step, and determining whether to register additionally if not. A ninth step of returning to the fifth step if the additional registration is desired in the eighth step and ending if the second registration is not desired; A tenth step of determining whether to query the automatic transfer and the payment if the automatic transfer and the payment are not registered in the second process, and ending if the automatic transfer and the payment is not inquired; An eleventh step of displaying a login page on the computer and the mobile communication device when the automatic transfer and payment inquiry system is used in the eighth step or the inquiry is made in the tenth step; A twelfth step of inputting member information and user's body information after performing the eleventh step and determining whether the member is a member of the business server; A thirteenth step of returning to the eleventh step if the member is not a member in the twelfth step, and displaying a list of registered bank accounts if the member is a member; A fourteenth step of determining whether to select a corresponding account from the list of accounts displayed in the thirteenth step, and ending if the account is not selected; A fifteenth step of displaying automatic transfer and payment details registered in the account when the corresponding account is selected in the fourteenth step; And determining whether or not to search for another account after performing the fifteenth process, and returning to the thirteenth process if the user wants to search for another account, and terminating if no further search is desired.

Preferably, the present invention is characterized by providing an automatic transfer and payment method to register the account of the customer as the account holder to view all previous automatic transfer and payment history and to query the total amount to be paid in the month. have.

Preferably, the present invention compares the difference between the amount of automatic payment and payment to be paid in the month and the balance of the account in which they are registered, and displays the difference on the screen of the computer and the mobile communication device, and automatically sends an SMS, an e-mail and It is characterized by providing automatic transfer and payment methods that inform customers by voice mail.

Preferably, the present invention is to provide an automatic transfer and payment method that automatically informs the customer by SMS, e-mail and voice mail, etc., whenever the automatic transfer and payment occurs in the account. have.

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

1 is a block diagram for implementing an automatic transfer and payment method according to the present invention.

1, the present invention is a web server 100 for receiving member information, automatic transfer and payment request from the computer 140, mobile communication device 150 and landline telephone 160, and displays the processing result, Web server It is composed of a business server (110) connected to (100) to actually process registration and inquiry of automatic transfers and payments, and a bank server (130) that sends and receives automatic transfers and payment data with the DB server (120). In order to connect the mobile communication device 150 and the web server 100, the repeater 170 of the mobile communication provider is connected. In addition, the billing company server (180, 190) is connected to the bank server 130, billing company server (200, 210, 220) is connected to the DB server 120 as well as the bank server (130).

The web server 100 receives new or existing member's personal information from the computer 140, the mobile communication device 150, and the landline phone 160 of the user, and requests the member to verify the membership of the business server 110. In the case of registering the automatic transfer and payment details in the account, the business server 110 records the specific bank account number and the automatic transfer and payment details received from the user's computer 140, the mobile communication device 150, and the landline phone 160. Register through the DB server 120 and the bank server 130 through.

In addition, when retrieving the details of automatic transfer and payment registered in a specific bank account, the information retrieved through the business server 110 is transmitted to the computer 140 and the mobile communication device 150 of the user.

When the business server 110 receives a request from the web server 100 to register an automatic transfer and payment history in a specific bank account, the business server 110 transmits the processed information to the corresponding bank server 130 and processes the user, such as an email, SMS, or voice mail. Inform

On the other hand, when inquiring the automatic transfer and payment history registered in a specific bank account, the billing company server (180, 190, 200, 210, 220) transfers the billing amount and details billed to the account from the DB server 120 Receive and send back to the web server (100). If the DB server 120 does not receive data related to the billing history, the administrator is informed using an e-mail or the like.

The bank server 130 processes the automatic transfer and payment registration application in the corresponding account of the bank, and the billing company server 180, such as a bank linked card price and insurance fee, which can automatically collect billing data, In the case of 190), the automatic transfer and payment details and billing-related information are collected and transmitted to the DB server 120.

Billing company server (180, 190) is a billing company associated with the bank, such as a bank-related credit card company, and automatically transfers the billing-related data to the bank server (130).

Billing company server (200, 210, 220) is a server that is used when the bank server 130 can not automatically collect the bill, such as a department store card issued by a particular department store, the customer can automatically transfer and When querying the payment details, the business server 110 receives the billing details from the billing company server (200, 210, 220) using the database process of the DB server 120 and stores in the DB server 120 The billing information collected by the bank server 130 is transmitted to the web server 100.

DB server 120 receives and stores the automatic transfer and payment history registered in a specific bank account from the bank server 130, and the user is registered in the account, but not automatically received from the bank server 130 When inquiring, the billing company server (200, 210, 220) requests the billing amount and details to store the received data. If the bill and the details are not received, the business server 110 to notify the administrator to bill the billing company. At this time, an e-mail or the like can be used.

2A-2B are flowcharts for performing an automatic transfer and payment method according to the present invention.

In FIG. 2A-2B, in order to perform automatic transfer and payment registration, a depositor uses a computer banking service using a computer 140, a wireless banking service using a mobile communication device 150, and a wired telephone 160. The bank account is registered to use the used telebanking service. When a log in screen of the computer 140 or the mobile communication device 150 is displayed (step S100), the web server 100 is connected. The business server 110 determines the membership (step S101).

If it is determined in step S101 that the member is not a member (step S102), if it is determined that the member determines whether to perform automatic transfer and payment registration (step S103). If the automatic transfer and payment registration is desired in step S103, the bank, account number, and user body information are input (step S104) and transmitted to the web server 100. At this time, when using the mobile communication device 150, the information input through the mobile communication device 150 is transmitted to the web server 120 via the repeater 130 of the mobile communication provider.

After performing step S104, the business server 110 and the bank server 130 confirms that the account number is the identity (step S105), and determines whether the account holder (step S106), if the account holder is not confirmed in step S106 Return to step S103. If the account holder is confirmed in step S106, the automatic transfer and payment target is input (step S107), and registered (step S108).

After performing step S108, it is determined whether registration is successful (step S109). If the registration is not successful, the process returns to step S103. If the registration is successful, the automatic transfer and payment registration processing result is returned to the computer 140 or the mobile communication device 150. And informs using (step S110). At this time, by registering the account of the customer as a depositor, you can view all of the previous automatic transfer and payment history, and can search the total amount that must be paid in the corresponding month.

The billing companies 170 and 180 transmit the billing-related data to the bank server 110. In addition, the bank server 110 collects automatic transfer and payment details and billing-related information and transmits it to the DB server 100.

On the other hand, if the bank server 110 can not automatically collect the billing amount data, the business server 100 causes the DB server 120 to send the billing-related data to the billing company server (200, 210, 220) Ask.

Billing company server (200, 210, 220) that is not a company that can automatically look up billing data from the bank server 130, such as billing company server (180, 190) is automatically viewed through the bank server (130) If you cannot do this, and you have to contact each billing company separately to confirm the billing amount, you must cooperate with the company in advance to share the billing data.

After performing step S110, it is determined whether the automatic transfer and settlement inquiry is performed (step S111), and if the automatic transfer and settlement inquiry is not performed, it is determined whether to register additionally (step S112). If additional registration is desired in step S112, the process returns to step S107, and if no additional registration is desired, the process ends. If the automatic transfer and settlement registration is not desired in step S103, it is determined whether to perform the automatic transfer and settlement inquiry (step S113).

On the other hand, if the automatic transfer and payment inquiry is desired in steps S111 and S113, a login page is displayed (step S114), and member information and user's body information are input (step S115). After performing step S115, it is determined whether the member is confirmed (step S116). If it is not determined, the process returns to step S114, and if it is a member, a list of registered bank accounts is displayed (step S117).

When the account list is displayed in step S117, it is determined whether to select the corresponding account (step S118). If the corresponding account is selected, the automatic transfer and payment details registered in the corresponding account are displayed (step S119). In step S119, you can view all of the previous automatic transfer and payment history and calculate the difference between the current balance of the account as well as the total amount to be paid in the month, and can notify the customer when the balance of the settlement account is insufficient. In the process of showing the automatic transfer and payment history, the business server 110 is automatically collected from the billing companies in the bank server 130 and sent to the DB server 120, as well as the billing history, and linked with the bank, such as department store card company Some billing companies that have not been directly collected from the business server 110 and DB server 120 is also sent to the Web server 100 to show the member to show. If the corresponding account is not selected in step S118 ends immediately.

After performing step S119, it is determined whether or not to search for another account (step S120), and if the user wants to search for another account, the process returns to step S117 and ends if no longer wants to search for another account.

3a-3b is another flow chart for performing the automatic transfer and payment method according to the present invention.

Figures 3a-3b shows the data flow and the operation of each server for performing the automatic transfer and payment method according to the present invention, the members in step S116 of Figures 2a-2b except for the login process during the execution of the present invention After determining whether or not the authorization, if it is a member shows from step S117 to display a list of registered bank account. If FIGS. 2A-2B describe the performance of the present invention from the user's point of view, FIGS. 3A-3B describe the respective servers.

3A-3B, the list of registered bank accounts is displayed (step S200). If the list of accounts is displayed in step S200, it is determined whether to select a corresponding account (step S201). When the account is selected, the web server 100 is selected. Requests the registered automatic transfer and payment details (step S202). The business server 110 requested from the web server 100 requests the DB server 120 again the billing details related to the automatic transfer and payment (step S203), and whether all the billing details exist in the DB server 120 are present. It judges (step S204). If all the billing details exist in the DB server 120, the billing details are transmitted to the web server 100 and displayed on the screen (step S205). In step S205, you can view all of the previous automatic transfer and payment history and calculate the difference from the current balance of the account as well as the total amount to be paid in the month, and can inform the customer if the balance of the settlement account is insufficient.

If some or all of the billing details do not exist in the DB server 120 at step S204, the business server 110 causes the DB server 120 to request billing details from the billing company (step S207). It is determined whether the billing-related information can be received from the server (200, 210, 220) of the billing company (step S208), and if the billing-related information is received, the received billing history is sent to the DB server 120 Save (step S209).

After performing step S209, the business server 110 receives all the billing details and the current balance of the corresponding account from the DB server 120, calculates the difference between the total billing amount and the corresponding account balance as well as the billing details of the corresponding account and the web. The server 100 transmits the information, and the web server 100 displays the received information on the screen of the computer 140 and the mobile communication device 150 (step S210). At this time, the web server 100 is a server of each billing company without the business server 110 through the bank server 130 in step S209 with the billing information automatically collected from each billing company in the bank server 130 (200, 210, 220) shows all of the billing history collected directly from the server 200, 210, 220 of each billing company without going through the bank server 130.

In step S211 determines whether or not to search for another account, if you want to search for another account further returns to step S200 and ends if you do not want to search for another account any more.

In step S208, if some or all of the billing company server (200, 210, 220) does not receive the billing-related information, the business server 110 to inform the manager-related billing company failed to collect the billing history (Step S212). At this time, an e-mail or the like can be used.

After performing step S212, the business server 110 receives all the billing history and the current balance of the corresponding account from the DB server 120, calculates the difference between the billing history of the corresponding account as well as the total billing amount and the balance of the balance of the account and the web. The server 100 transmits the information, and the web server 100 displays the received information on the screen of the computer 140 and the mobile communication device 150 (step S213). In step S214, it is determined whether to search for another account, and if the user wants to search for another account, the process returns to step S200 and ends if no longer wants to search for another account.

After performing step S206 as shown in FIG. 2B, it is determined whether to search for another account (step S120), and if it is desired to search for another account, the process returns to step S200 and ends if it is not desired to search for another account any more. If the corresponding account is not selected in step S201 ends immediately.

4 to 9 is an embodiment of the automatic transfer and payment method according to the present invention.

4 is a screen for notifying the customer of the result of the processing when the automatic payment is newly registered in the account, even if a third party, not the account holder, is notified to the account holder through SMS, email, voice mail, and the like.

5 is a screen for informing the customer of the billing details using the mobile communication device 150, and allows the customer to recognize the billing details in advance before the payment date of the automatic transfer registered in the account.

6 is a screen in which the customer inquires the details of the automatic transfer and settlement registered in the account. When the automatic transfer and the settlement history are inquired, the payment history of the month as well as the past payment history can be viewed.

7 is a screen showing a detailed payment history of a registered credit card, a credit card company that is one of the billing companies shows a more detailed billing history when a customer wants to see more detailed billing history.

FIG. 8 is a screen for comparing the payment details registered in the corresponding account with the balance of the corresponding account and informing the user to further deposit the difference.

9 is a screen for informing the customer of the contents when the automatic transfer and payment occurs in the account.

As described above, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined by the claims below and equivalents thereof.

As a result, according to the automatic transfer and payment method according to the present invention the following advantages occur.

In other words, the automatic transfer using mobile communication devices eliminates the hassle of going directly to the bank, and each billing company does not have to send billing details to the DM. By knowing in advance, the payment fee can be properly accumulated to prevent overdue from occurring, thus preventing the nation from wasting property and stopping service.

Claims (6)

In performing automatic transfer and automatic payment service with a computer and a mobile communication device, A first step of displaying a login screen on a screen of the computer and the mobile communication device and determining whether a web server is a member; A second step of deciding whether to register as a member in the first step and to register automatic transfer and payment if the member is a member; A third step of inputting a bank, account number, and user's body information when registering the direct debit and payment in the second step, and confirming that the account number is the member in the business server; A fourth process of determining whether the account holder is confirmed after performing the third process, and if the account holder is not confirmed, returning to the second process; A fifth step of inputting an automatic transfer and payment target when the account holder is confirmed in the fourth step; A sixth step of performing automatic transfer and payment registration to the corresponding bank account after performing the fifth step, and determining whether the registration is successful; A seventh process of returning to the second process if the registration is not successful in the sixth process and notifying the computer and the mobile communication device of the processing result if the registration is successful; An eighth step of determining whether to use the automatic transfer and payment inquiry system after performing the seventh step, and determining whether to register additionally if not. A ninth step of returning to the fifth step if the additional registration is desired in the eighth step and ending if the second registration is not desired; A tenth step of determining whether to query the automatic transfer and the payment if the automatic transfer and the payment are not registered in the second process, and ending if the automatic transfer and the payment is not inquired; An eleventh step of displaying a login page on the computer and the mobile communication device when the automatic transfer and payment inquiry system is used in the eighth step or the inquiry is made in the tenth step; A twelfth step of inputting member information and user's body information after performing the eleventh step and determining whether the member is a member of the business server; A thirteenth step of returning to the eleventh step if the member is not a member in the twelfth step, and displaying a list of registered bank accounts if the member is a member; A fourteenth step of determining whether to select a corresponding account from the list of accounts displayed in the thirteenth step, and ending if the account is not selected; A fifteenth step of displaying automatic transfer and payment details registered in the account when the corresponding account is selected in the fourteenth step; And Determining whether to search for another account after performing the fifteenth process, and returning to the thirteenth process if the user wants to search for another account, and terminating if the user does not want the further search. Automatic transfer and payment method. The method of claim 1, By registering the account of the client, the account holder, you can view all the previous automatic transfer and payment history, and the automatic transfer and settlement method, characterized in that the total amount to be paid in the month can be inquired. The method of claim 1, The business server displaying the direct debit and payment history is collected from the billing companies automatically from the bank server and sent to the DB server, as well as from the billing companies not affiliated with the bank and the business server and the Automatic transfer and payment method, characterized in that also shows the billing history collected directly by the DB server. The process of claim 1, wherein the automatic debit and payment details are displayed. Automatic payment and payment method further comprises the step of notifying the customer if the balance of the payment account is less than the payment amount after checking the details and the total amount to be paid in the month to prevent the late payment in advance . The method of claim 1, wherein the automatic transfer and payment history is displayed. Collecting information related to the billing history is carried out by the business server and the DB server, and the billing history information collected in this way is transmitted to the web server to be displayed on the user's computer or mobile communication device And payment method. The method of claim 1, Whenever automatic transfer and payment occurs in the account, the automatic transfer and payment method characterized by notifying the customer by SMS, e-mail and voice mail using the computer and the mobile communication device.