KR100438463B1 - On-line system and method of executing as proxy for the money received - Google Patents

Abstract

The present invention relates to a collection agent service, withdrawal from a plurality of payer accounts for the collection of regular and continuous funds (item sales charges, insurance premiums, credit card payments, dues, monthly fees, etc.) of the collection institution account specified by the collection institution The present invention relates to a system and a method for transferring a deposit amount. To this end, the present invention, the first step of receiving the customer information list and the fund collection request list of the customer to be collected from the collection agency collectively in the collection server to store in the customer information database, and query the account for the customer to the bank server The second step of receiving the collective collection request to enable the processing of the fund collection, the processing result is received and sent to the terminal of the collecting institution, receiving the collection request from the collecting institution, the customer's collection amount A third step of receiving the list and storing it in a collection history database; and a fourth step of requesting a bank server to transfer the account from the customer account to the collection agency account, receiving the processing result, and notifying the collection institution, and the settlement period. If no complaints are made from the customer during the period, the bank server will transfer the transfer from the collection agency account to the collection agency account. And a fifth step of requesting and receiving a result of the processing and notifying the collecting institution.

Description

On-line system and method of executing as proxy for the money received}

The present invention relates to a collection agency service, withdrawal from a plurality of payer accounts for the collection of regular and continuous funds (item sale price, insurance premiums, credit card payments, membership fees, monthly fees, etc.) of the collection institution to the account designated by the collection institution The present invention relates to a system and a method for transferring a deposit amount. In other words, companies, companies, and organizations can collect goods, dues and other charges for customers and members on-line to collect banknotes online through program manipulation and D / B management to maximize labor and work time savings. It can greatly contribute to the improvement of company management and management structure.

Based on the uneconomical reality that the provider of a good or service has to provide both various and universal means to charge the unspecified number of customers through a variety of channels, each of which provides a payment relay service. Emphasis has been placed on the importance of bansa in charge and financial agency for the financial business.

In other words, it is natural to use financial agency services through outsourcing, in spite of the fact that no matter how much the member service is provided, in order to directly charge, bill, and collect money, too much time, manpower, and cost must be invested in the non-main business. .

In general, Ban's business uses value-added communication networks, namely, Van's credit and debit card systems, which allow card users (consumers) to conduct credit transactions through a checker (terminal) provided at a card merchant. It provides stable sales and secures all commissions (van fee, data communication channel fee) for operating the business from the merchant.

In addition, the business of the financial agency company is a business that provides the overall financial services that need management for companies that need services related to all financial business such as money collection and payment.

As an example of a financial agency service, Patent Publication No. 2002-0069653 (name of the invention: automatic payment service system), which is a conventional method of payment and payment, requires services such as payment and payment. For the enterprise, the computer equipment of the receiving institution and the computer equipment of the second financial institution are connected to each other using the PCMS relay system to provide the overall service necessary for the management of payment and payment. It is about.

The basic system of the conventional bill accepting automatic payment business system is configured as shown in FIG. A PCMS relay system 20 is configured between the receiving institution 10 and the second financial institution 30 to handle data processing between the two using the X.25 communication protocol.

2 shows a flowchart of the above-mentioned conventional direct debit relay service. Each collection agency sends the billing statement to the PCMS relay system in a batch. That is, in the PCMS relay system, the billing history by the receiving institution is aggregated into the billing history by the second financial institution.

The PCMS relay system collectively transfers the billing history for each receiving institution to the corresponding second financial institution. In this case, the batch transmission method uses a method of requesting a file transmission transaction of the PCMS relay system from the second financial institution to transmit the cash receipt.

The second financial institution aggregates and verifies the number and amount of charges received from the PCMS relay system for each storage institution, generates a ledger for transfer (storage) processing for each storage institution, and creates a customer account for each storage institution under a business alliance with the storage bank. After withdrawal from the debit, the bank transfers the deposit to the parent account of each institution, and updates the result of the automatic debit (storage) process for each institution.

The second financial institution collectively transfers the result of the direct debit (receipt) process to the PCMS relay system. In the PCMS relay system, the processing results of the second financial institution are aggregated by the receiving institutions, and the processing results of each receiving institution are transmitted to the entire batch processing.

The receiving institution shall apply for a transfer to the representative account of the receiving institution's main bank for the use of the funds received, and transfer the received amount of the representative account of the receiving institution to the representative account of the receiving bank.

However, the conventional storage collecting relay system has the following problems.

First, the PCMS relay system targets the storage price for the second financial institution's customers, and thus, it is difficult to apply to all companies that require the storage collection agent.

Second, the PCMS relay system transmits the billing history of the receiving institution to the second financial institution, and only takes care of the simple relaying operation of receiving the processing result from the second financial institution and transmitting the result to the receiving institution. In order to utilize the funds, a separate bank transfer application and transfer processing should be made to the representative bank account of the receiving institution through the branch office of the second financial institution. Therefore, the receiving institution needs a separate contract with the second financial institution and the first financial institution, and has to go through a complicated process for the use of funds.

Third, the agency's relay system is unable to respond to the dismissal of the relay member, which increases the possibility of complaints between the receiving institution and the member.

Fourth, the computer equipment of the receiving institution and the computer equipment of the second financial institution are interconnected using the agency's relay system, and financial services are provided through the interconnected dedicated network.

In order to solve the above problems, the present invention has been proposed, withdrawal from a plurality of payer accounts for the collection of the regular and continuous funds of the collection institution (item sale price, insurance premiums, card payments, dues, monthly fees, etc.) It relates to a collection agency system and method for transferring money to a specified account by a collection agency.

That is, the present invention collects bills, membership fees, and various charges and sales collection services of agents, branches, and branch offices in the company, corporations, and organizations for customers (including agents, branches, branches) and members. The purpose of this is to facilitate the collection of funds through online collection tasks through simple program operation and D / B management.

1 is a basic system of a conventional collectible money transfer business system.

2 is a flowchart of a conventional direct debit relay service.

3 is a flow chart showing the flow of collection service in accordance with the present invention.

Figure 4 is an internal block diagram of the collection agent system according to the present invention.

5 is a flowchart illustrating a process of a collection agent service according to the present invention.

* Description of the symbols for the main parts of the drawings *

100: collection agency 200: collection agency system

210: customer management unit 220: account transfer unit

230: escrow processing unit 240: customer notice

250: customer information DB 260: collection history DB

300: bank

In order to achieve the above object, the present invention provides a first step of receiving a list of customer information and a fund collection request list from the collection institution from the collection agent server and storing them in the customer information database, and the bank server to the customer. Inquiry about the account, and requests to process the fund collection application to enable the processing of the fund collection, the second step of receiving and sending the processing result to the terminal of the collecting institution, receiving a collection request from the collecting institution, A third step of receiving a list of collection amounts of customers and storing them in a collection history database; and a fourth step of requesting a bank server to transfer a bank account from a customer account to a collection agency account and receiving a result of the processing and notifying the collection institution. If the complaint from the customer does not occur during the settlement period, the collection agency account is transferred from the collection agency account to the bank server. It requests the money transfer to and receives the processing result comprises a fifth step of notification to the money collection agency.

In addition, the present invention, if the complaint from the customer occurs during the settlement period, the sixth step to check the target customer the complaint occurred to the collection agency, and request the bank server to transfer the complaint for the complaint, and from the bank server of the customer account And a seventh step of notifying the result of the processing to the customer's mobile phone or computer via mobile phone SMS or E-mail.

On the other hand, the collection agent system for performing the collection agent service of the present invention is a customer information database for storing the information of the customer to be collected by each collection institution, a collection history database to store the money collection history of the customers to be collected by each collection institution, and from the collection institution Receives the customer information list, the fund collection request list, the collection amount list and store in the database, and collects the collection amount list by collection institution or billing history, and the account for the customer in the bank server The bank transfer processing unit for requesting the fund collection application to be processed for the collection of funds, requesting the account transfer, receiving the processing result, and notifying the collecting institution about the occurrence of complaints from the customer; Receiving and confirming with the collection agency, the bank transfer processing unit and the customer The results from the escrow section and the bank server to notify the rib made of the money collection process result notice notifying the client of the client part results to the mobile phone SMS or E-Mail, etc. on the customer's cell phone or computer.

Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the drawings.

3 is a flowchart illustrating a flow of a collection agent service according to the present invention. Collectors, collection agencies, and banks are connected by a web-based TCP / IP network and provide ASP (Application Service Provider) services so that they can be accessed wherever there is the Internet. Collectors collectively collectively refer to corporations, corporations, voluntary organizations, government offices, and second financial institutions (insurers, card companies, securities companies, various capitals, technical finances, etc.) that perform collective collection of various funds that occur regularly and continuously. have.

Referring to Figure 3 in detail as follows. When the terminal of the collecting institution transmits the information list of the customer to be collected and the fund collection application list to the collecting agent system, the collecting agent system receives the batch and classifies each collecting institution into the customer information database (flow ①).

The collection agency system inquires the account of the customer to the bank server, and requests the collection of funds to process the collection of funds so that the collection of funds can be processed (flow ②). The bank server receives the fund collection request and processes it, and the processing result is transmitted to the collection agency system, and the collection agency system transmits the confirmation result of the customer information and the collection process result to the collection institution terminal (flow ③).

When receiving a collection list of customers with a collection request from the terminals of each collection institution, the collection agency system stores it in the collection history database, and aggregates by collection system or billing history (flow ④). The collection agency system requests the bank server to transfer the account from the customer account to the collection agency account (flow ⑤), and the bank server processes the transfer deposit from the customer account for each collection institution to the collection agency account and then transfers the processing result to the collection server system. The collection agency system notifies the collection agency (flow ⑥).

The collection agency system checks whether complaints from customers occur during a certain settlement cycle from the date of transfer designation, and requests bank transfer from the collection agency account to the collection institution account if it does not occur (flow ⑦). The bank server notifies after the transfer is processed, and the collection agency system receives it and confirms the result of the processing (flow ⑧).

At this time, the settlement period refers to a period of time from the date of the transfer designated by the collecting institution to the date you want to collect the payment. During this period, the collection agent system notifies the customer of the result of the account transfer, and even though the customer's contract is terminated, It will check if there is any complaint about withdrawal. Failure to respond promptly to these complaints is a cause of disputes between customers and collectors, and is an important factor in reducing trust in collectors.

Therefore, the present invention is very effective because it is possible to check and cope during the settlement period by first transferring the account to the collection agency system before the account transfer from the customer's account to the account of the collecting institution.

In addition, in the present invention, since direct financial transactions are not made between the collection agencies and the bank, and indirect financial transactions are made through the collection agency system, the collection institution may reduce the burden of the reserves according to the collection business contract with the bank. Banks can relieve the burden of ledger management on collecting institutions.

An internal block diagram of the collection agent system is shown in FIG. 4.

The customer management department receives the information list, the fund collection request list, and the collection amount list of the customer to be collected from the collection institution, and stores them in the customer information database and the collection history database, and aggregates the collection amount list by collection institution or billing history. Process. The customer information database stores information of target customers for collection by collection agency, and the collection history database stores collection amounts of customers for collection targets by collection agency.

The bank transfer processing unit inquires the account of the customer on the bank server based on the information list of the customer received from the customer management unit, the fund collection request list, and the collection amount list, and collectively applies the fund collection application to enable the fund collection processing. Request processing and request a bank transfer. The bank receives the processing result from the bank server and notifies the collection agency.

The escrow processing unit receives the occurrence of a complaint due to the termination of the contract of the customer and confirms it to the collecting agency. When the occurrence of the complaint is confirmed, the account transfer processing unit and the customer management unit notify the result. At this time, the account transfer processing unit requests the transfer of the target customer to the bank server according to the result notification from the escrow processing unit. In other words, the transfer from the collection agency account to the customer account is made to prevent the unfairness of withdrawal even if the contract is terminated. In addition, the customer management unit updates the customer information database and the collection history database for the contracted customer so that in the future no account transfer to the customer.

The customer notice unit receives the result of the customer's fund collection process from the bank transfer from the bank server and notifies the user's mobile phone or computer to the user's mobile phone or computer by mobile phone SMS or E-Mail using the customer information of the customer management unit.

5 is a flowchart illustrating a process of a collection agent service according to the present invention.

When the terminal of the collecting institution transmits the information list of the customer to be collected and the fund collection application list to the collection agent system, the collection agent system collectively receives and stores the information in the customer information database (S410).

The collection agency system inquires the account of the customer to the bank server, and requests the collection of funds to collectively request the collection of funds so that the collection of funds can be processed. The bank server receives the fund collection request and processes it, and the processing result is sent to the collection agency system, the collection agency system transmits the result of the confirmation of the customer information and the processing of the fund collection process to the collecting institution terminal (s420).

When receiving a collection request list of customers with a collection request from the terminals of each collection institution, the collection agency system stores it in the collection history database, and aggregates by collection system or billing history (s430). The collection agency system requests bank transfer from the customer account to the collection agency account (s440), and the bank server processes the transfer deposit from the customer account for each collection institution to the collection agency account and transfers the processing result to the collection agency system. If so, the collection agent system notifies the collection agency. Further, the processing result is notified to the mobile phone or computer of the customer by mobile phone SMS or E-mail (S450).

The collection agency system checks whether complaints from customers are generated during a certain settlement cycle from the date of transfer designation, and requests bank transfer from the collection agency account to the collection institution account if not. The bank server notifies the bank after the transfer is processed, and the collection agent system receives this and confirms the result of the processing (s460).

If a complaint from the customer occurs during the settlement period, the collecting agency checks the target customer for the complaint (s470), and requests the bank server to transfer from the collection agency account for processing the complaint to the customer account (s480). .

The collection agent system receives the result of the processing from the bank server, notifies the collection institution after checking the result, and updates the customer information database and the collection history database. Further, the processing result is notified to the mobile phone or computer of the customer by mobile phone SMS or E-mail (s490).

Although the technical spirit of the present invention has been described in detail according to the above-described preferred embodiment, the above-described embodiment is for the purpose of description, and various ordinary embodiments of the present invention may be made by those skilled in the art. I can understand.

As described above, according to the present invention, the collection agency can perform collection work for various funds of the collection agency through a collection agency system, and the collection agency maximizes savings in labor costs and working hours, thereby improving efficient company management and management structure. There is a significant contribution. In addition, due to the lack of direct financial transactions between the collection agencies and the bank, and indirect financial transactions through the collection agency system, the collection institution may be less burdened by the collection transaction contract with the bank. The burden of ledger management on collection agencies can be reduced.

In addition, in the present invention, before the account transfer is made from the customer's account to the account of the collection agency, the account is first transferred to the collection agency system to check and handle the complaints during the settlement period, thereby preventing the dispute between the customer and the collection institution in advance. Can be.

Claims (7)

In the collection agent operation method of the collection agent system that performs the online collection task for various funds of the collection institution, The collection agent system receives the information list of the target customer and the fund collection request list from the collecting institution terminal and stores in the customer information database, and requests the bank server to request a fund collection request based on the information list and the fund collection request list. Step one, A second step of receiving a processing result of the fund collection request from the bank server and transmitting the result to the collection institution terminal; Receiving a collection request for the customer to be collected from the terminal of the collection institution, and stores it in the collection history database, and transfers a predetermined amount of money from the account of the customer to the collection agency account (hereinafter, the collection agency account transfer) A third step of requesting the bank server to receive a result of a collection agency account transfer; A fourth step of transmitting the result of the collection agency account transfer received from the bank server to the collection institution terminal and the terminal of the customer to be collected; In the case where the customer who received the collection agency account transfer processing result does not receive an illegal account transfer complaint in the collection agency system within a certain period of time, the amount of the collection target in the collection agency account is transferred to the account of the collection institution (hereinafter referred to as "the collection agent account"). A fifth step of requesting the bank server to transfer a collection institution account, receiving the result of the collection institution account transfer from the bank server, and transmitting the result to the collection institution terminal; Online collection agency method with a. The method of claim 1, wherein if the customer who has received the collection agency account transfer processing result receives the unjust account transfer complaint to the collection agency system within a certain period of time, the collection agency customer is informed of the collection agency terminal whether the complaint is true or not. After confirming, the bank server is requested to transfer the amount of the deposit in the collection agency account to the account of the customer to be collected (hereinafter, the customer's account to be collected), and the bank server transfers the result of the processing of the customer's account transfer from the bank server. Receiving and transmitting to the collection target customer terminal further comprising the on-line collection agent. The method of claim 1 or 2, wherein the collection agency account transfer processing result and the collection target customer account transfer processing result are transmitted to the collection target customer terminal by using a short message transmission (SMS) or an e-mail. Online collection agency method characterized in that. A customer information database for storing information of customers subject to collection by collection agencies; A collection history database for storing collection amounts of the collection target customers by collection institutions; A customer management unit that receives a list of information, a fund collection request list, and a list of money collection amounts of a customer to be collected from a collection institution; An account transfer processing unit for inquiring an account of a customer to a bank server, requesting a fund collection application and a bank transfer in a batch so that fund collection can be processed, and receiving the processing result and notifying the collection institution; In case of receiving an illegal account transfer complaint from a customer, the escrow processing unit confirms the collection agency and notifies the account transfer processing unit and the customer management unit of the result. Online collection agency system equipped with. delete The method according to claim 4, wherein the customer management unit updates the customer information database and the collection history database according to the result notification from the escrow processing unit, and the bank transfer processing unit requests a transfer for civil processing from the bank server. Online collection agency system. The method according to claim 4, On-line collection agency system, characterized in that it further comprises a customer notice to notify the results of the customer's transfer processing from the bank server to the customer's mobile phone or computer by mobile phone SMS or E-Mail, etc.