KR100415552B1 - Method for Real Time Bank Payment Service using Internet - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a real-time account transfer electronic storage service method using the Internet and a computer-readable recording medium recording a program for realizing the method.

2. The technical problem to be solved by the invention

The present invention increases customer convenience by using the Internet to meet the needs of customers who want to pay mobile phone usage fees without being constrained by time and space. Branch, agency, etc.) To provide a real-time account transfer electronic storage service method using the Internet that can reduce the management cost and a computer-readable recording medium that records a program for realizing the method.

3. Summary of Solution to Invention

The present invention provides a real time account transfer electronic storage service method applied to an electronic storage system, comprising: a first web server verifying an identifier and a password of a user when a user who wants a real time account electronic transfer service accesses a web server; step; A second step of providing a real time account transfer electronic storage service menu to an authenticated user; A third step of issuing a certificate through an electronic payment authentication server according to a user's request through the real-time account transfer electronic storage service menu; When the user who installed the certificate selects electronic payment from the real-time account transfer electronic storage service menu, confirms the user's fee to be paid, selects a bank transfer item, and selects the bank account number and the user's resident number of the bank to be transferred. Receiving a fourth step; After storing the received account number and social security number in the database, the account number and social security number is transmitted to the bank, and whether the match is received from the bank to check whether there is an abnormality of the account number and social security number 5 steps; A sixth step of receiving the result of the transfer from the corresponding bank by retransmitting the account number, the social security number, and the amount to be transferred to the corresponding bank if it is normal according to the verification result of the fifth step; And a seventh step of transmitting the transfer result to the sales computer system and the corresponding user.

4. Important uses of the invention

The present invention is used in electronic storage service system, etc.

Description

Real Time Bank Payment Service Using Internet}

According to the present invention, a customer using a mobile phone transfers and pays a usage fee from a customer's bank account to a mobile phone company account in real time through the Internet, and the mobile phone company can store and process it. A storage service method and a computer-readable recording medium having recorded thereon a program for realizing the method.

Existing methods for paying mobile phone bills include mobile phone company's business visit, bank visit, and CMS (Cash Management Service) direct debit (by bank account or credit card). Direct debit is inconvenient to pay the bill only on a certain date every month set by the mobile phone company. If there is no balance in the account, it is impossible to pay the bill.

In addition, in the case of a customer who is suspended due to a late fee, the mobile phone is inconvenient to use the mobile phone again, even though the mobile phone must be used immediately. In addition, when the bank pays the bill, it takes two to three days to notify the mobile phone company that the overdue fee has been received.

On the other hand, there is currently a method for paying a mobile phone fee through the Internet, a credit card payment method, which is made in real time, but there is no real-time payment method through a bank account.

In addition, in the case of Internet banking, the customer accesses the bank's website and transfers the fee to the mobile phone company's account, and the mobile phone company must receive and process the fee. It is not currently implemented due to the inconvenience of having to connect to each other and the constraint of being an Internet banking subscriber of the bank. In other words, in order to join Internet banking, it is cumbersome to visit the bank's place of business and go through the identity verification process. Also, customers are avoiding it because they cannot use it at night when the bank place is closed. It does not match the characteristics.

Therefore, due to the above problems, the real-time goods payment service using a bank account is not made in a general internet shopping mall.

The present invention has been proposed in order to solve the problems described above, by increasing the customer convenience by using the Internet to meet the need of the customer to pay the mobile phone bill without being restricted by time and space, and mobile The telephone company is a computer that records the real-time account transfer electronic storage service method using the Internet and the program for realizing the above method, which can suppress the increase of late charges and reduce the management cost of the place of business (e.g., branch, agency, etc.). The purpose is to provide a readable recording medium.

1 is a configuration example of a real-time electronic storage service system using the Internet to which the present invention is applied.

2A and 2B illustrate an embodiment of a real-time electronic storage service method using the Internet according to the present invention.

Figure 3 is an example of a conventional electronic payment screen configuration.

Figure 4 is a screen diagram of an embodiment showing an account registration process for a real-time electronic storage service according to the present invention.

Figure 5 is a screen diagram showing an embodiment of the error message output process in the account registration process for real-time electronic storage service according to the present invention.

Figure 6 is a screen diagram of an embodiment showing a bank transfer process for a real-time electronic storage service according to the present invention.

Figure 7 is an embodiment screen diagram showing information on the automatic payment application for real-time electronic storage service according to the present invention.

8 is a screen configuration diagram of an embodiment showing the electronic billing information for the real-time electronic storage service according to the present invention.

FIG. 9 is a diagram illustrating an embodiment of a process of outputting a receipt processing completion message for a real-time electronic storage service according to the present invention; FIG.

Figure 10 is a screen configuration diagram showing an embodiment of the automatic payment registration process for real-time electronic storage service according to the present invention.

11 is a screen configuration diagram showing an embodiment of a payment status process for a real-time electronic storage service according to the present invention.

12 is a screen diagram illustrating an embodiment of a final payment process for a real-time electronic storage service according to the present invention.

Figure 13 illustrates an embodiment showing a prepaid mobile phone card charging process for a real-time electronic storage service according to the present invention.

14 is a screen configuration showing a conventional prepaid mobile phone card charging process.

15 is a screen configuration diagram showing an embodiment of a prepaid mobile phone card charging process for a real-time electronic storage service according to the present invention.

Figure 16 is a screen configuration of an embodiment when a bank transfer is selected when charging a prepaid mobile phone card for a real-time electronic storage service according to the present invention.

Figure 17 is a screen configuration diagram showing an embodiment of the confirmation process after the prepaid mobile phone card charging for real-time electronic storage service according to the present invention.

18 is a view showing an embodiment screen configuration showing a charging history inquiry process when charging a prepaid mobile phone card for a real-time electronic storage service according to the present invention.

19 is a diagram illustrating an embodiment of a usage statistics process for a real-time electronic storage service according to the present invention.

20 is a screen configuration diagram showing an embodiment of an inquiry screen for a real-time electronic storage service according to the present invention.

FIG. 21 is a diagram illustrating an example of a screen for a transfer result inquiry process for a real-time electronic storage service according to the present invention; FIG.

22 is a view showing the embodiment of a detailed inquiry process when the transfer result inquiry for the real-time electronic storage service according to the present invention.

* Explanation of symbols for the main parts of the drawings

110: customer 111: internet

112, 114: F / W 113: Web Server

115: Electronic payment certificate server 116: Web database

117: Gateway 120: Business Computation (COIS)

121: Database 122: VAN

131 ~ 13n: Bank

In order to achieve the above object, the present invention provides a real time account transfer electronic storage service method applied to an electronic storage system, wherein when a user who wants a real time account transfer electronic storage service accesses a web server, the web server identifies the user's identifier and A first step of confirming the password; A second step of providing a real time account transfer electronic storage service menu to an authenticated user; A third step of issuing a certificate through an electronic payment authentication server according to a user's request through the real-time account transfer electronic storage service menu; When the user who installed the certificate selects electronic payment from the real-time account transfer electronic storage service menu, confirms the user's fee to be paid, selects a bank transfer item, and selects the bank account number and the user's resident number of the bank to be transferred. Receiving a fourth step; After storing the received account number and social security number in the database, the account number and social security number is transmitted to the bank, and whether the match is received from the bank to check whether there is an abnormality of the account number and social security number 5 steps; A sixth step of receiving the result of the transfer from the corresponding bank by retransmitting the account number, the social security number, and the amount to be transferred to the corresponding bank if it is normal according to the verification result of the fifth step; And a seventh step of transmitting the transfer result to the business computer system and the corresponding user.

In addition, the present invention is characterized in that it further comprises an eighth step according to the confirmation result of the fifth step, in the case of non-normal to notify the business computer system to release the non-normal user in real time.

On the other hand, the present invention, when the user who wants a real-time account transfer electronic storage service accessing the web server to the electronic storage system equipped with a processor for the real time account transfer electronic storage service, the web server checks the user's identifier and password A first function of doing; A second function of providing a real time account transfer electronic storage service menu to an authenticated user; A third function of issuing a certificate through an electronic payment authentication server according to a user's request through the real-time account transfer electronic storage service menu; When the user who installed the certificate selects electronic payment from the real-time account transfer electronic storage service menu, confirms the user's fee to be paid, selects a bank transfer item, and selects the bank account number and the user's resident number of the bank to be transferred. Receiving a fourth function; After storing the received account number and social security number in the database, the account number and social security number is transmitted to the bank, and whether the match is received from the bank to check whether there is an abnormality of the account number and social security number 5 functions; A sixth function according to the verification result of the fifth step, in case of normality, retransmits the account number, the social security number, and the amount to be transferred to the corresponding bank, and receives the result of the transfer from the corresponding bank; And a computer-readable recording medium having recorded thereon a program for realizing the seventh function of transmitting the transfer result to the business computing system and the user.

In addition, the present invention reads by a computer that records a program for realizing an eighth function for realizing a non-normal user in real time by notifying the business computer system when it is not normal according to the result of confirming the fifth function. Provides a record medium that can be.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration example of a real-time electronic storage service system using the Internet to which the present invention is applied.

In the real-time electronic storage service using the Internet, the customer must pay the fee by automatically transferring funds to the account of the company where the customer should pay the fee in real time from the bank's customer account using the web server, and the customer must pay the fee. The company reflects this in the business computer in real time and processes it.

In the figure, "110" is customer, "111" is internet, "112" is F / W, "113" is web server, "114" is F / W, "115" is electronic payment certificate server, "116" Is the database server, "117" is the gateway, "120" is the Customer Oriented Information System (COIS), "121" is the database, "122" is the Value Added Network (VAN), and "131-13n" is the bank. Respectively.

The customer 110 accesses the web server 113 through the Internet 111, checks an ID and a password, and moves to the electronic payment service menu. At this time, the existing CMS automatic transfer customers are automatically checked in the system to prevent use.

Next, install an electronic payment certificate. That is, the certificate is downloaded from the electronic payment authentication server 115 and installed in the customer 110 web browser. And check the fee to be paid. That is, the previous month and the current month usage fee data is obtained from the COIS (120) database 121. Then, the electronic payment storage type such as credit card or bank transfer is selected.

Select the bank transfer item of the electronic payment storage type and enter the account number. That is, the entered account number is stored in the web database 116 to interface with the banks 131 to 13n through the web database 116.

The account number and social security number stored in the web database 116 are transmitted to the respective banks 131 to 13n through the VAN company 122.

Respond after confirming whether the transferred account number, social security number match in the bank (131 ~ 13n). In this case, the account number and the resident number stored in the web database 116 are transmitted to the banks 131 to 13n through the VAN company 122, and the account numbers and the resident numbers matched by the banks 131 to 13n. After checking whether or not the response is performed, the customer 110 selects a bank transfer and inputs an account number, and then automatically interfaces with each bank 131 to 13n in the system.

Next, the account number, social security number, and the amount of money are retransmitted to the banks (131 to 13n), and the banks (131 to 13n) check the balance, available accounts, and the like, and if it is in a normal state, the account from the customer account to the company account. Transfer process.

The transfer result is received from the banks 131 to 13n, and reflected on the business computer 120.

If the customer stops using the service by notifying the exchange, he / she releases the real-time stop and manages the storage history.

2A and 2B illustrate an embodiment of a real-time electronic storage service method using the Internet according to the present invention.

As shown in FIG. 2, first, the real-time electronic storage service method proceeds from the charge / call 201 menu of the web page for the real-time electronic storage service to the electronic payment 202 menu.

In the electronic payment 202 menu, one of the certificate issuance management 203, the electronic payment 205, and the return 207 menu is selected. In this case, the user is issued a certificate in the certificate issuance management 203 menu. 204, the real-time electronic storage service according to the present invention is entered in the electronic payment (205) item.

When proceeding to the billing information (206) menu in the electronic payment (205) menu, check the non-payment information 208, view the payment status (209), view the final payment 210, billing information (211), billing information (212) And finally, the payment method is selected (213).

In the payment method selection 213 menu, a credit card 214 or a bank transfer 215 may be selected. In the case of the credit card 214, a payment using the credit card 214 is performed. .

When the bank transfer 215 is used in the payment method selection (213) menu, the billing information 216, the billing information 217, the account registration 218, and the bank transfer application 219, which are information related to the bank transfer, are used. Done.

Next, after the bank transfer application (219), it is confirmed whether or not to immediately transfer (220).

As a result of the check, if it is not immediately transferred to the automatic payment (221), if the immediate transfer is to transfer the data such as account number and social security number to the bank (222).

After the data is transmitted to the bank, a message regarding completion of storing processing, storing processing impossible due to a transmission error, and storing processing impossible due to a receiving error are output.

When the storing process is completed, the "account transfer complete" message is output (223), and the use of future CMS automatic transfer is checked (226).

As a result of the check, when using the CMS automatic transfer to the automatic payment item (227), if not using the CMS automatic transfer to the final payment view item (228) can check the payment status.

In the case that the storing process is not possible due to the transmission error, the message "No account transfer for a reason" is outputted (224), and the process proceeds to the billing information item 211 again.

In addition, in the case where the reception processing is not possible due to the reception error, a message “No account transfer for one reason” is output (225), and the process proceeds to the billing information item 211.

3 is a diagram illustrating a conventional electronic payment screen configuration.

First, when the electronic payment item 302 is clicked on the charge / call menu 301 of the web page that can use the real-time electronic storage service, the billing information 303 and the charge information 304 corresponding to the electronic payment It can be confirmed, it is possible to use the payment method selection (305) items. However, in the related art, since the payment method was only possible with a credit card, a real time electronic storage service according to the present invention can be used by adding a bank transfer item to the configuration of the screen.

4 is a screen diagram illustrating an embodiment of an account registration process for a real-time electronic storage service according to the present invention.

When the bank transfer 215 item is selected in FIG. 2, the customer checks the billing information 216 and the billing information 217, and then registers an account 218. When the account is registered, the screen shown in FIG. 4 is used. You will register an account.

First, the bank name 401 can be selected by the customer, the account number 402 is entered directly by the customer. Then, the account holder name 403 and the resident registration number 404 are inputted to register the account.

Meanwhile, if an error occurs during account registration, an error message is output, and the error message is shown in FIG. 5.

FIG. 5 is a diagram illustrating an embodiment of an error message output process in an account registration process for a real-time electronic storage service according to the present invention.

As shown in FIG. 5, when an error occurs in the account registration process, an error message "Not registered due to the system. Please try again later." An error message is generated by the customer. At this time, when the customer clicks the OK button, the screen moves to the screen of FIG. 3.

Figure 6 is a screen diagram illustrating an embodiment of a bank transfer process for a real-time electronic storage service according to the present invention.

When the bank transfer 215 item is selected in FIG. 2, the customer confirms the billing information 216 and the billing information 217, and then registers an account 218. Next, the bank transfer is performed. When the bank transfer, the account is registered using the screen as shown in FIG.

As shown in FIG. 6, first, a bank name, an account number, an account holder's name, a transfer amount, and a resident's number are inputted, and a choice is made whether or not to immediately transfer the payment.

If you choose to pay by the immediate transfer, the transfer amount is immediately withdrawn from the account selected by the customer to pay the unpaid fee, and if you choose not to make the payment by immediate transfer, it will not be withdrawn immediately and proceed to the automatic payment application. do.

The screen for the automatic payment application will be described in more detail with reference to FIG. 7.

FIG. 7 is a diagram illustrating an embodiment of a screen showing information on an automatic payment request for a real-time electronic storage service according to the present invention.

As shown in FIG. 7, the automatic payment application screen may be divided into customer information 710 and detailed information 720. In the customer information 710, a customer name, a mobile phone number, a representative number, and the like are described. In the information 720, a method of selecting a payment method, an account number, a bank loan, or the like is selected.

8 is a screen diagram illustrating an embodiment of electronic billing information for a real-time electronic storage service according to the present invention.

As shown in Figure 8, the billing information screen of the electronic payment "bill name", "mobile phone number", "bill address" and the like is displayed.

In addition, the billing information screen of the electronic payment can change the billing address, you can select a menu to move to the payment information check, payment status view, the final payment view screen.

FIG. 9 is a diagram illustrating an embodiment of a process of outputting a receipt processing completion message for a real-time electronic storage service according to the present invention.

As shown in FIG. 9, upon completion of the receipt processing with data sent from the bank, a confirmation process is performed along with a message outputting "bank transfer completed as requested." At this time, if the confirmation button is pressed, the screen shown in FIG. 10 is output.

10 is a diagram illustrating an embodiment of a screen showing a process of registering an automatic payment for a real-time electronic storage service according to the present invention.

As shown in Figure 10, the choice is made whether or not to apply for automatic payment.

In this case, when the automatic payment application is made, the screen is switched to the automatic payment application of FIG. 7 to apply for automatic payment. If the automatic payment application is not applied, the screen is moved to the final payment view screen described in FIG.

On the other hand, there are various types of when the storage process is not possible, it is simply written in the following [Table 1].

Type 1 causes are lack of balance, mismatch of social security number, account closure, non-withdrawal account, etc., and the bank's computer failure. At this time, the bank transfer could not be processed for the reason. Please use the message again later. Will be printed and checked. At this time, if the screen goes through the confirmation process, the screen moves to the claim information screen of FIG. 8 again.

Type 2 is caused by the cause of type 1 and the failure of VAN.

Type 3 is a case where it is impossible to process the storage due to a computer failure of the sales company, and the message "The bank transfer could not be processed due to our computer failure. Please try again later." At this time, if the screen goes through the confirmation process, the screen moves to the claim information screen of FIG. 8 again.

Type 4 is the case that cannot be received from VAN company, and type 5 is the case that can not be received due to the computer failure of the sales company, "The transfer of payment from the customer account to our account, but due to our computer failure The account has not been offset, and it has been retransmitted to the customer's account. ” At this time, if the screen goes through the confirmation process, the screen moves to the claim information screen of FIG. 8 again.

division type Sales company VAN Bank send One OK OK ERROR 2 OK ERROR 3 ERROR reception 4 ERROR OK 5 ERROR OK OK

11 is a diagram illustrating an embodiment of a payment status process for a real-time electronic storage service according to the present invention.

As shown in FIG. 11, in the payment status view screen, a list of payment information paid by a customer may be confirmed on the screen.

In the payment status view screen, you can see the payment date, amount, bank / card name, payment status, and the like. In the payment status for the bank, "transfer completed" is indicated.

12 is a diagram illustrating an embodiment of a final payment process for a real-time electronic storage service according to the present invention.

As shown in Figure 12, the final payment screen can be seen customer information and payment information, customer information, customer name, social security number, mobile phone number, and the payment information, if you use a credit card name, credit card number , Credit card name, payment amount, payment request date, payment approval date, payment approval number, request details (approval request, cancellation request), payment details, etc.In case of bank transfer, name, account number, bank name, Display the total payment amount, payment request date, payment approval date, payment approval number, request details, and payment details on the screen so that customers can check them.

Figure 13 is an embodiment explanatory diagram showing a prepaid mobile phone card charging process for a real-time electronic storage service according to the present invention.

First, if you go to the prepaid mobile phone charging 1301 item of the web page for using the real-time electronic storage service, you can see the card once charge (1302) item, prepaid mobile phone card refill (1303), card gift certificate ( 1304, credit card transfer 1305, and bank transfer 1306.

When the bank transfer item is selected among the above items, the prepaid mobile phone card may be charged using the account registration 1307 and bank transfer application 1308 items.

When the bank transfer 1306 item is selected, data is transmitted to the bank through the account registration 1307 and the bank transfer application 1308 (1309).

After transmitting the data to the bank, and receives the result of the storage processing completion, the storage processing can not be received due to the transmission error, the storage processing can not be received due to the reception error.

When the storing process is completed, a "account transfer complete" message is output (1310). If the storing process is not possible due to a transmission error, a "no account transfer for a reason" message is output (1311), and the basic information is moved (1313). ). In addition, when receiving processing is not possible due to a reception error, a "account transfer impossible for a reason" message is output.

14 is a screen configuration showing a conventional prepaid mobile phone card charging process.

As shown in Figure 14, the conventional prepaid mobile phone card charging screen displays the information on the mobile phone number, prepaid mobile phone card number, card status, free calls, outgoing period, between receivers, number holding period, card balance, etc. To convey the information to the customer.

In addition, the items to select a prepaid mobile phone card charging method is listed, and the conventional methods were prepaid mobile phone card refill, card gift certificate, credit card transfer. Therefore, by adding a bank transfer according to the present invention to charge a prepaid mobile phone card through the bank transfer.

15 is a screen diagram illustrating an embodiment of a prepaid mobile phone card charging process for a real-time electronic storage service according to the present invention.

As shown in FIG. 15, the prepaid mobile phone card charging screen displays basic information on the prepaid mobile phone card, and a selection button for selecting a prepaid mobile phone card charging method is placed below.

The card charging method is prepaid mobile phone card refill, card gift certificate, credit card transfer, bank transfer, the screen for registering the account is displayed when the bank transfer method is selected.

In the account registration item, a bank name, an account number, an account holder's name, a resident's number, etc., is prepared to register an account.

Meanwhile, if an error occurs during account registration, an error message as shown in FIG. 5 is outputted, and when the confirmation button is pressed, the screen proceeds to the screen of FIG.

16 is a diagram illustrating an embodiment of the screen when a bank transfer is selected when charging a prepaid mobile phone card for a real-time electronic storage service according to the present invention.

As shown in FIG. 16, when the prepaid mobile phone card charging method is selected as a bank transfer, a prepaid transfer is performed by selecting a bank transfer amount, which is a recharge amount, and entering a bank name, an account number, an account holder's name, a transfer amount, and a resident number. Charge your phone card. At this time, if the OK button is pressed, the data is transmitted to the bank, and if the cancel button is pressed, the screen moves to the screen of FIG. 15.

17 is a screen diagram illustrating an embodiment of a confirmation process after charging a prepaid mobile phone card for a real-time electronic storage service according to the present invention.

As shown in Fig. 17, the confirmation screen after the prepaid mobile phone card charging using a credit card, information on the card owner name, resident number, card company name, card number, transfer amount, card expiration date is displayed, The payment information is approved based on the information. At this time, the charge history can be confirmed using an e-mail, a short message service.

On the other hand, on the confirmation screen after charging the prepaid mobile phone card using the bank transfer, information on the account holder name, social security number, bank name, account number, transfer amount is displayed, and the customer sees the information and approves the payment. At this time, as in the prepaid mobile phone card charging method using a credit card, the charging history can be confirmed using an e-mail or a short message service.

18 is a screen configuration diagram showing an embodiment of a charging history inquiry process when charging a prepaid mobile phone card for a real-time electronic storage service according to the present invention.

As shown in FIG. 18, the charging history inquiry screen outputs basic information such as customer name, resident number, mobile phone number, member, termination date, charge date, charge type, amount, prepaid card number, business name. Outputs

19 is a diagram illustrating an embodiment of a usage statistics process for a real-time electronic storage service according to the present invention.

First, a menu 1901 for querying a web page that can use a real-time electronic storage service is selected, and a transfer result is inquired (1902).

The transfer result inquiry 1902 is divided into period inquiry 1903, bank inquiry 1904, and transfer result inquiry 1905.

20 is a diagram illustrating an embodiment of an inquiry process for a real-time electronic storage service according to the present invention.

As shown in FIG. 20, the inquiry screen for the transfer result is divided and displayed as a menu for inquiry and a screen for outputting the result screen.

Meanwhile, the inquiry method in the transfer result inquiry screen will be described in more detail with reference to FIG. 21 below.

FIG. 21 is a diagram illustrating a screen of a transfer result inquiry process for a real-time electronic storage service according to the present invention. FIG.

As shown in FIG. 21, the transfer result inquiry inputs an inquiry period, and when the inquiry button is pressed, the transfer result inquiry result at the bottom can be viewed.

On the screen of transfer result inquiry, the number and amount of each item for bank name, transfer request, transfer completion, inability to transfer and cancellation of transfer are displayed. Here, the transfer request is the number of transfers requested to the bank at the request of the customer, the transfer completion is the transfer completed during the transfer request and received in the business computer, and the transfer failure failed due to the lack of balance among the transfer requests. In addition, the cancellation of transfer refers to the case where the transfer was completed during the request for transfer, but the funds were reversed to the customer due to an error in the business calculation.

The result can be converted to Excel or output to the screen.

FIG. 22 is a diagram illustrating an example of a detailed inquiry process when a transfer result is looked up for a real-time electronic storage service according to the present invention. FIG.

As shown in FIG. 22, the detailed inquiry can be performed by using the inquiry period, the inquiry bank, and the transfer result, and the result is displayed by pressing the inquiry button by inputting the above item.

In the result screen, the results match the inquiry period, the inquiry bank, and the transfer result, and the date, service number, service control number, customer name, amount, and disable code are displayed on the screen.

On the other hand, the result screen can be converted to Excel or printed on the screen and output.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

As described above, the present invention can save the time required to visit a mobile phone company or a bank because the user can pay the usage fee on the Internet without being restricted by time and space. In addition, it is possible to eliminate the hassle of joining the bank's Internet banking, it is also possible to use a minor who can not hold a credit card.

In addition, the present invention can suppress the delinquency increase of the mobile phone usage fee from the company's point of view, it is possible to reduce the operating cost of the business place. In addition, the number of customers using the company's website can increase, accumulating customer information and increasing customer loyalty, which becomes a resource for e-business performance. In addition, the fee is reduced compared to other storage methods.

Claims (8)

In the real time account transfer electronic storage service method applied to the electronic storage system, A first step of the web server confirming an identifier and a password of the user when a user who wants a real time account transfer electronic storage service accesses a web server; A second step of providing a real time account transfer electronic storage service menu to an authenticated user; A third step of issuing a certificate through an electronic payment authentication server according to a user's request through the real-time account transfer electronic storage service menu; When the user who installed the certificate selects electronic payment from the real-time account transfer electronic storage service menu, confirms the user's fee to be paid, selects a bank transfer item, and selects the bank account number and the user's resident number of the bank to be transferred. Receiving a fourth step; After storing the received account number and social security number in the database, the account number and social security number is transmitted to the bank, and whether the match is received from the bank to check whether there is an abnormality of the account number and social security number 5 steps; A sixth step of receiving the result of the transfer from the corresponding bank by retransmitting the account number, the social security number, and the amount to be transferred to the corresponding bank if it is normal according to the verification result of the fifth step; And A seventh step of transmitting the transfer result to a sales computer system and a corresponding user; Real time account transfer electronic storage service method using the Internet. The method of claim 1, An eighth step of notifying the sales computer system in real time of the non-normal user in real time according to the result of the confirmation of the fifth step; Real time account transfer electronic storage service method using the Internet further comprising a. The method of claim 1, The web server, According to the check result of the first step, when it is confirmed that the existing CMS (Cash Management Service) automatic transfer user, real-time account transfer electronic storage service method using the Internet, characterized in that blocking the use of the electronic payment service. The method of claim 1, The process of confirming the fee to be paid in the fourth step, Real-time account transfer electronic storage service method using the Internet, characterized in that based on the business database, the previous month, the current month's usage fee data is sent to the user to check the usage fee to be paid. The method of claim 1, The bank concerned above, After receiving the account number, the social security number, and the amount to be transferred, checking the balance of the user and the available account, confirming that the user's account status is normal, and performing the account transfer processing of the amount to be transferred from the user's account to the payment target. Real time account transfer electronic storage service method using the Internet. The method according to any one of claims 1 to 5, The transfer result of the ninth step, Substantially, the real-time electronic storage service method, characterized in that the inquiry results by period, bank, transfer results. In the electronic storage system equipped with a processor for real time account transfer electronic storage service, A first function of the web server confirming an identifier and a password of the user when a user who wants a real time account transfer electronic storage service accesses a web server; A second function of providing a real time account transfer electronic storage service menu to an authenticated user; A third function of issuing a certificate through an electronic payment authentication server according to a user's request through the real-time account transfer electronic storage service menu; When the user who installed the certificate selects electronic payment from the real-time account transfer electronic storage service menu, confirms the user's fee to be paid, selects a bank transfer item, and selects the bank account number and the user's resident number of the bank to be transferred. Receiving a fourth function; After storing the received account number and social security number in the database, the account number and social security number is transmitted to the bank, and whether the match is received from the bank to check whether there is an abnormality of the account number and social security number 5 functions; A sixth function according to the verification result of the fifth step, in case of normality, retransmits the account number, the social security number, and the amount to be transferred to the corresponding bank, and receives the result of the transfer from the corresponding bank; And A seventh function of transmitting the transfer result to a sales computer system and a corresponding user; A computer-readable recording medium having recorded thereon a program for realizing this. The method of claim 7, wherein An eighth function of notifying the business computer system in real time to release the non-normal user in real time according to the confirmation result of the fifth function; A computer-readable recording medium that records a program for further realization.