KR100468098B1 - Management method for online receipt of money by screen scraping - Google Patents

Abstract

The present invention relates to a method of managing a bank account deposit of electronic commerce, and in particular, by using a bank account deposit through a collection account manager's account, an integrated transaction inquiry is possible without having to open a plurality of accounts, as well as a convenient collection service. It provides a method for managing deposit accounts using screen scraping. Characteristic of the present invention is the shopping mall server guides the customer account number of the bank of the collection manager to the customer who selected the bank account transfer, and after the random client code, and transmitting the transaction information to the collection management server; Selecting, by the customer, one of the magnetic accounts, entering the assigned client code and depositing the corresponding payment; The collection manager server inquiring deposit details through screen scraping of the account at a predetermined time period, and performing sorting and matching operations on the inquired deposit details through the transmitted transaction information; And if there is a matching transaction information as a result of the sorting and matching operation, transferring the corresponding payment to the registered account of the shopping mall, and transmitting the details to the shopping mall server. It is in the deposit management method.

Description

Management method for online bank account depositing using screen scraping {Management method for online receipt of money by screen scraping}

The present invention relates to a method of managing a bank account deposit of electronic commerce, and in particular, by using a bank account deposit through a collection account manager's account, an integrated transaction inquiry is possible without having to open a plurality of accounts, as well as a convenient collection service. The present invention relates to a method of managing a deposit account using screen scraping.

Despite the increasing trend of e-commerce, convenient and safe direct debit payment methods are still lacking, and the accountless deposit method still accounts for a large part of the total e-commerce. In the case of depositing unpaid bank accounts, it is inconvenient from the consumer's point of view, however, especially for shopping mall companies, it is necessary to open several bankbooks for each bank and manage and collect deposit details separately, which is a waste of manpower and time.

On the other hand, some shopping mall companies overcome some of these difficulties by using a function called a real-time cash management service (CMS). Real-time CMS is a function that notifies the depositor in real time of the details deposited in the individual account. In other words, in order to use the service for integrated management of bank deposit, each bank must enter into a contract, and once the shopping mall itself collects and sorts and matches the real-time information of each bank, Should be. In addition, since the service fee must be paid for each bank, there is a problem that a lot of cost occurs.

In another prior art, Korean Patent Publication No. 2000-0054557 discloses an ordering and payment system using a plurality of magnetic accounts and a management method thereof. A plurality of magnetic accounts for collecting goods and a representative account integrating the magnetic accounts are disclosed. By opening the order and receiving the order information and payment information through the terminal inputted to the different magnetic accounts paid for each branch, and by managing the branch through the account information received with the order and payment information, Disclosed are a system and method for conveniently and accurately performing order-by-branch and non-management management without confusion of persons. To do this, a terminal for each branch is required, and a separate system connecting the branch terminal and the order / payment management server must be established. In addition, since the self-account for each branch terminal is fixed, it is possible to distinguish only the branch when the deposit is made, and thus there is a problem that cannot be applied to a transaction between a general customer and a shopping mall.

An object of the present invention for solving the above problems is to provide an integrated bank account management method using the screen scraping to be able to receive a convenient collection service as well as the integrated transaction inquiry for the bank account deposit without opening a plurality of accounts. have.

1 is a system block diagram for a bank account deposit management method according to the present invention.

Figure 2 is a flow chart showing a bank account deposit management process according to the present invention.

<Description of Symbols for Major Parts of Drawings>

10: Customer 20: Account

30: collection manager server 32: scraper

34: collection management database server 36: collection management payment server

40: financial common network 50: shopping mall server

A feature of the present invention for achieving the above object is in a method for managing e-commerce deposits, when a customer selects a non-payment deposit as a payment method for a shopping mall server, the shopping mall server tells the customer the bank administrator of the collection manager. A first step of guiding an account number, assigning an arbitrary client code, and then transmitting the corresponding transaction information to a collection management server; When the customer selects one of the magnetic accounts, fills in the given client code and deposits the corresponding payment, the scraper of the collection manager server queries the deposit details through screen scraping of the magnetic account at predetermined times; step; A third step of performing sorting and matching operations on the inquiries received through the transaction information transmitted from the shopping mall server; And a fourth step of transferring the corresponding payment to the registered account of the shopping mall and transmitting the details to the shopping mall server when there is matching transaction information as a result of the sorting and matching operation. It is in the bank account deposit management method that I used.

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

1 is a system block diagram for a bank account deposit management method according to the present invention, it comprises a customer, account, collection manager server, shopping mall server.

The customer 10 connects to the shopping mall server 50 through the Internet to purchase goods or use contents, and selects a bankbook payment as a payment method for the resulting payment and pays the corresponding amount.

The magnetic account 20 is a collection manager's account opened for each bank, the deposit is made to any one selected by the customer (10).

The collection manager server 30 integrates the deposit history inquiry for each individual bank account 20 through the screen scraping for the account 20, the search result to the management screen of the shopping mall 50 Of course, the transfer of the amount of the magnetic account 20 through the financial cooperative network (40) to the collection account manager 30 mother account for a predetermined time period, and then deposit the corresponding amount to the registered account of the shopping mall (50) Do it.

To this end, the collection manager server 30 includes a scraper 32 for screen scraping the magnetic account (20); A collection management database server 34 for storing transaction information for each client code transmitted from the shopping mall server 50 and the deposit account inquiry information received through the scraper; And transfer the amount of the magnetic account 20 to the collection manager 30 mother account for a predetermined time period, and use transaction information for each client code and the deposit account inquiry information stored in the collection management database server 34. After the transfer of the payment to the registered account of the shopping mall 50 is configured as a collection management payment server 36 for transmitting the details to the shopping mall server (50).

The screen scraping is a technology that replaces only a screen as if it is running within its own website through some pages of a specific website other than its own website through an engine called a scraper 32. The most commonly used part is the account integration service, and it is a function that allows users to search and trade their entire financial account in one screen without accessing the sites of each financial institution. At this time, even if there is no screen movement, the site login or certificate submission procedure for each financial institution should be similarly followed, and since the magnetic account 20 is an account of the collection manager 30, A transaction history inquiry is executed, and the inquiry data is processed to perform bank account deposit management.

The shopping mall server 50 opens a registration account in the collection manager 30 to receive a payment, and guides the number of the magnetic account 20 of the collection manager 30 to the customer 10 when payment occurs. And assigns an arbitrary client code, stores the transaction information, and transmits the transaction information to the collection manager server 30.

The client code given to the customer 10 may be generated in the shopping mall 50 or the collection manager 30, and the collection manager 30 to manage the totally when the deposit is received by various shopping malls. Preferably produced. When the client code is generated in the shopping mall 50, the client code is included in the client code transaction information and transmitted to the collection manager server 30.

The client code consists of a shopping mall identification code, a customer identification code and a transaction identification code, and consists of an arbitrary number of letters and numbers mixed.

2 is a flowchart illustrating a bank account deposit management process according to the present invention.

After the customer 10 accesses the shopping mall server 50 to purchase goods or use contents, and selects the unpaid bank transfer as a payment method of the generated payment (S200), the shopping mall server 50 provides a collection manager 30 to the customer. After granting the bank account number (20) of the bank and any client code (S210), and transmits the corresponding transaction information for each client code to the collection management server (30) (S220).

The customer selects one of the magnetic accounts 20 which is convenient to deposit among the magnetic accounts 20, fills in the assigned client code and deposits the corresponding payment (S230). The scraper 32 of the collection management server 30 queries the deposit details (amount, client) through screen scraping on the account 20 for a predetermined time period and stores the result (S240). Thereafter, sorting and matching operations for the inquiries received through the transaction information transmitted from the shopping mall server 50 are performed (S250). That is, the deposit information is sorted by shopping mall based on the client code, and each transaction information and the deposit information are matched to match which bank account is deposited in which shopping mall for which item's transaction. At this time, if there is a matching transaction information, transfer the corresponding payment to the registered account of the shopping mall 50 (S260), and transmits the details to the shopping mall server 50 (S270). Thereafter, the shopping mall 50 is confirmed that the payment is sent to the customer (10).

As described above, according to the present invention, since the bank account is deposited and managed using the bank account holder, the shopping mall companies do not need to open a separate bank account for deposit bank account, or manage the deposit history by hand, There is no need to transfer on a case-by-case basis. As a result, these companies not only can reduce the manpower and time costs, but also enable more accurate and safe bank account management by switching from the manual management system to the automated management system.

Claims (3)

In the bank account deposit management method of e-commerce, When the customer selects the bank account payment as a payment method for the shopping mall server, the shopping mall server informs the customer the account number of each bank of the collection manager, assigns an arbitrary client code, and then stores the corresponding transaction information in the collection management server. Transmitting to the first step; When the customer selects one of the magnetic accounts, fills in the given client code and deposits the corresponding payment, the scraper of the collection manager server queries the deposit details through screen scraping of the magnetic account at predetermined times; step; The collection manager server sorts the requested deposit information by shopping mall based on the client code based on the transaction information transmitted from the shopping mall server, and matches each transaction information and the deposit information to a transaction of a certain item in a shopping mall. A third step of matching which bank magnetic account has been deposited to the bank; And If there is transaction information matched as a result of the sorting and matching operation, the collection management server includes a fourth step of transferring the corresponding payment to the registered account of the shopping mall and transmitting the details to the shopping mall server. Bank deposit management method using screen scraping to use. delete The method of claim 1, wherein the client code comprises a shopping mall identification code, a customer identification code, and a transaction identification code.