KR100831542B1 - Method of one-stop money service using internet - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a one-stop fund transfer service method through the Internet and a computer-readable recording medium recording a program for realizing the same.

2. The technical problem to be solved by the invention

In particular, the present invention enables a customer who needs to transfer funds to a second financial institution such as a securities company to easily transfer money from the homepage of a second financial institution such as a securities company, and the like. By providing notification to financial institutions, it is intended to provide a one-stop fund transfer service method through the Internet for real time remittance and purchase of securities, and a computer-readable recording medium that records a program for realizing the same.

3. Summary of Solution to Invention

The present invention provides a method for transferring funds in an electronic banking transaction using the Internet, wherein the second financial unit is provided in accordance with a request of a customer who wants to transfer funds from an account opened in a first financial institution to an account of a second financial institution. Driving a one-stop fund transfer service program from a homepage of a service site operated by an institution; Receiving, by the one-stop fund transfer service program, information required for transfer of funds; And upon final approval of the first financial institution, the one-stop fund transfer service program depositing a transfer amount into the account of the second financial institution based on the information.

4. Important uses of the invention

The present invention is used for electronic financial transaction services.

Securities firms, Transfer funds, Wire transfers, Internet, Electronic wallets

Description

Method of one-stop money service using internet}             

1 is an explanatory diagram showing a conventional money transfer service process.

2 is an exemplary configuration diagram of a hardware system for a one-stop fund transfer service to which the present invention is applied.

3 is an explanatory diagram schematically showing a one-stop fund transfer service procedure according to the present invention.

4 is an overall flowchart of a one-stop fund transfer service method according to the present invention.

5 is a detailed flowchart of one embodiment of a one-stop fund transfer service method in a payment system according to the present invention;

* Explanation of symbols for the main parts of the drawings

10: Customer system 11: Electronic wallet

20: Second financial institution 21: Point of sale information management system (POS)

30: payment system

The present invention relates to a computer-readable recording medium recording a one-stop transfer service method and a program for realizing the same through the Internet, and in particular, a customer who needs to transfer funds (transfer) to a second financial institution such as a securities company. Make it easy to transfer money from the homepage of a second financial institution, etc., and then transfer the amount transferred to the account (/ virtual account) of a second financial institution such as a securities company, and then deposit the transfer details into a second financial institution such as a securities company. It is a service that informs the agency to know.

Recently, with the rapid increase of Internet users, the Internet is playing a role as a new media that enables real-time communication between companies and individuals, individuals and individuals rather than in the sense of a network connected with computers.

Electronic commerce (EC) refers to the act of buying and selling goods through the Internet or PC communication, and broadly encompasses the purchase of goods and services or advertisement of orders placed through a computer communication network. . The biggest advantage of such a transaction is that there is no time and space constraints, which saves you the hassle of going directly to the store, and the payment is mainly made by credit card. In addition, there is no cost of distribution or rent, and it is likened to the state of the art golden fishing grounds in that all Internet subscribers in the world are potential customers and is included in commerce at the light speed (CALS).

At present, due to the development of computers, the Internet, and the improvement of the communication environment, the number of e-commerce companies and the scale of the Internet are increasing. As is well known, the Internet is not only a cyber space service but also a purchase, sale, and exchange of goods. This is because it is a suitable place for commerce.

Looking at the payment system (PG: Payment Gateway) in the Internet e-commerce as described above, the most basic role of a financial institution such as credit card companies in electronic commerce is the payment approval and settlement of the purchase. This ultimately allows the store that sold the product to be paid for using a system linked to the card company.

PG service connects Merchant and card company online and performs various tasks such as payment approval or settlement.

In general, in order to secure transactions in an open network such as the Internet, that is, e-commerce, confidentiality to prevent exposure of transactions to third parties, integrity to prevent tampering of transactions, and unfairness to established transactions Non repudiation to prevent reversal, and mutual authentication to prevent the creation of unauthorized transactions should be provided. In order to implement such a function, a secure e-commerce protocol based on an encryption algorithm is used.

However, in order to perform electronic commerce using an encryption algorithm-based transaction protocol, a digital wallet software usually installed in a customer system, that is, a computer of a customer is required. These customer wallets support a variety of e-commerce protocols, allowing customers to choose their payment methods.

However, when looking at the conventional Internet money transfer service using the electronic wallet, customers using a second financial sector, such as securities company, investment company, insurance company, etc., go to the bank's site for remittance service and transfer the money to the securities company. It had to be notified. To this end, at least 6 to 7 steps are required as shown in FIG. 1, which shows that a customer accesses a bank homepage, submits a certificate and logs on, selects a transfer service, inputs a security card password, enters a transfer history, and approves Only through the password input process, the final message could be sent to complete the money transfer service.

Such a conventional Internet money transfer service causes inconveniences in terms of customers, and there is a problem that damages may occur to customers because the purchase of securities for remittance is not made immediately.

In order to solve the problems described above, the present invention, in particular, a customer who needs to transfer funds (transfer) to a second financial institution, such as a securities company, and can easily transfer money from the homepage of the second financial institution, such as securities company By notifying the second financial institution such as a securities company, such a remittance can be read by a computer that records the one-stop money transfer service method and the program for realizing the remittance and purchase of securities in real time. The purpose is to provide a recording medium.

In order to achieve the above object, the present invention provides a money transfer service method for an electronic banking transaction using the Internet, the method of which a customer wants to transfer money from an account opened at a first financial institution to an account at a second financial institution. Accordingly, driving the one-stop fund transfer service program from the homepage of the service site operated by the corresponding second financial institution; Receiving, by the one-stop fund transfer service program, information required for transfer of funds; And upon final approval of the first financial institution, the one-stop fund transfer service program depositing the transfer amount into the account of the second financial institution based on the information.
In addition, the present invention is characterized in that the one-stop fund transfer service program further comprises the step of notifying the result of the transfer process in real time to the terminal of the customer and / and the operator terminal of the second financial institution.
On the other hand, the present invention, in the method of transfer of funds in electronic financial transactions using the Internet, a service site operated by a predetermined institution having the other account according to a request of a customer who wants to transfer funds from one account to another account. Running a one-stop fund transfer service program at the homepage of the service provider; Receiving, by the one-stop fund transfer service program, information required for transfer of funds; And in connection with a financial institution, upon approval of the financial institution, the one-stop fund transfer service program withdraws a transfer amount from the one account of the customer based on the information and processes the deposit into the other account of the predetermined institution. Characterized in that it comprises a step.
In addition, the present invention, the one-stop fund transfer service program further comprises the step of receiving a result of the transfer of funds processing from the financial institution, and notifying in real time to the terminal of the customer and / and the operator terminal of the predetermined institution It is characterized by.
On the other hand, the present invention, in the method of transferring funds in electronic financial transactions using the Internet, according to the request of the customer who wants to transfer the funds from one account to another account, the one-stop ( One-stop) starting a money transfer service program; Receiving, by the payment system of the one-stop fund transfer service site, information necessary for transfer of funds according to the customer's request for transfer of funds through the one-stop fund transfer service program; And in connection with a financial institution, upon approval of the financial institution, the payment system withdrawing the transfer amount from the one account of the customer based on the information and depositing the money into the other account of the predetermined institution. Characterized in that made.
In addition, the present invention is characterized in that the payment system further comprises the step of receiving the result of the money transfer processing from the financial institution, in real time to the terminal of the customer and / and the operator terminal of the predetermined institution in real time. .
On the other hand, the present invention is a method for transferring funds in electronic financial transactions using the Internet, in accordance with the request of the customer who wants to transfer funds from one account to another account, a dedicated one stop (installed on the terminal of the customer ( One-stop) fund transfer service program is driven; Receiving, by the payment system of the one-stop fund transfer service site, information required for transfer of funds according to the customer's request for transfer of funds through the dedicated one-stop fund transfer service program; And in connection with a financial institution, upon approval of the financial institution, the payment system withdrawing the transfer amount from the one account of the customer based on the information and depositing the money into the other account owned by the predetermined institution. Characterized in that the made up.
In addition, the present invention is characterized in that the payment system further comprises the step of receiving the result of the money transfer processing from the financial institution, in real time to the terminal of the customer and / and the operator terminal of the predetermined institution in real time. .
On the other hand, the present invention is a method for transferring funds in an electronic financial transaction using the Internet, in which a predetermined institution having the other account operates according to a request of a customer who wants to transfer funds from one account to another. Driving a one-stop fund transfer service program at a homepage of a service site; In connection with a payment system of a one-stop fund transfer service site, the one-stop fund transfer service program receiving information necessary for transfer of funds; And in connection with the payment system, upon approval of a financial institution linked to the payment system, the one-stop fund transfer service program withdraws a transfer amount from the customer's account based on the information. It characterized in that it comprises a step to process the deposit to the other account.
In addition, the present invention, in connection with the payment system, the one-stop fund transfer service program receives the result of the money transfer process from the financial institution linked to the payment system, the terminal of the customer and / or of the predetermined institution Characterized in that it further comprises the step of notifying the operator terminal in real time.
On the other hand, the present invention is a service for the transfer of funds in electronic financial transactions using the Internet, the service which is operated by a predetermined institution having the other account in accordance with the request of the customer who wants to transfer funds from one account to another account Receiving, by the payment system of the one-stop fund transfer service site, information required for fund transfer according to the customer's request for transfer of funds through a one-stop fund transfer service program driven by the homepage of the site; And in connection with a financial institution, upon approval of the financial institution, the payment system withdrawing the transfer amount from the one account of the customer based on the information and depositing the money into the other account of the predetermined institution. Characterized in that made.
In addition, the present invention is characterized in that the payment system further comprises the step of receiving the result of the money transfer processing from the financial institution, in real time to the terminal of the customer and / and the operator terminal of the predetermined institution in real time. .
On the other hand, the present invention, in the money transfer service method for electronic financial transactions using the Internet, the funds transfer from the account opened in the first financial institution to the virtual account of the second financial institution linked to the account desired Driving a one-stop money transfer service program on a homepage of a service site operated by a corresponding second financial institution according to a customer's request; Receiving a fund transfer history according to the operation of the one-stop fund transfer service program; And depositing the transfer amount into the virtual account of the second financial institution by the approval of the first financial institution according to the received details.
In addition, the present invention, characterized in that the one-stop fund transfer service program further comprises the step of notifying the operator terminal of the second financial institution in real time the result of the money transfer processing.

The present invention for achieving the above object, the second financial institution from the account opened in the first financial institution in the one-stop fund transfer service system equipped with a processor for the money transfer service during electronic financial transactions using the Internet A one-stop money transfer service program on a homepage of a service site operated by a corresponding second financial institution according to a request of a customer who wants to transfer funds to an account of the bank; A function of receiving, by the one-stop fund transfer service program, information necessary for transferring funds; And upon final approval of the first financial institution, the one-stop fund transfer service program recording a program for realizing a function of depositing a transfer amount into the account of the second financial institution based on the information. Provides a record medium that can be.
Meanwhile, the present invention provides a one-stop fund transfer service system equipped with a processor for a money transfer service during an electronic financial transaction using the Internet, according to a request of a customer who wants to transfer funds from one account to another. A function of running a one-stop fund transfer service program from a homepage of a service site operated by a predetermined institution having an account; A function of receiving, by the one-stop fund transfer service program, information necessary for transferring funds; And in connection with a financial institution, upon approval of the financial institution, the one-stop fund transfer service program withdraws a transfer amount from the one account of the customer based on the information and processes the deposit into the other account of the predetermined institution. A computer readable recording medium having recorded thereon a program for realizing the function of the present invention is provided.
On the other hand, the present invention provides a one-stop fund transfer service system equipped with a processor for a money transfer service during an electronic financial transaction using the Internet, in accordance with a request of a customer who wants to transfer funds from one account to another. A function of driving a one-stop fund transfer service program from the homepage of the stop fund transfer service site; A function of receiving information required for transfer of funds by the payment system of the one-stop fund transfer service site according to a request for transfer of funds through the one-stop transfer service program; And in connection with a financial institution, at the approval of the financial institution, the payment system withdraws the transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. A computer readable recording medium having a program recorded thereon is provided.
On the other hand, the present invention, according to the request of the customer who wants to transfer funds from one account to another account in the one-stop fund transfer service system equipped with a processor for the money transfer service during electronic financial transactions using the Internet, A function of driving a dedicated one-stop fund transfer service program installed on the terminal of the customer; A function of receiving information required for transfer of funds by a payment system of a one-stop fund transfer service site according to a request for transfer of funds through the dedicated one-stop transfer service program; And in connection with a financial institution, upon approval of the financial institution, the payment system withdraws a transfer amount from the one account of the customer based on the information, and deposits the money into another account owned by a predetermined institution. A computer readable recording medium having recorded thereon a program for realization is provided.
On the other hand, the present invention, according to the request of the customer who wants to transfer funds from one account to another account in the one-stop fund transfer service system equipped with a processor for the money transfer service during electronic financial transactions using the Internet, A function of driving a one-stop fund transfer service program from a homepage of a service site operated by a predetermined institution having another account; A function of receiving the information required for transfer of funds by the one-stop fund transfer service program in connection with a payment system of a one-stop fund transfer service site; And in connection with the payment system, upon approval of a financial institution linked to the payment system, the one-stop fund transfer service program withdraws a transfer amount from the customer's account based on the information. Provided is a computer readable recording medium having recorded thereon a program for realizing a function of depositing money into another account.
On the other hand, the present invention, according to the request of the customer who wants to transfer funds from one account to another account to the one-stop fund transfer service system equipped with a processor for the money transfer service during electronic financial transactions using the Internet According to the customer's request for the transfer of funds through the One-Stop Fund Transfer Service Program, which is run from the homepage of a service site operated by a predetermined institution with another account, the payment system of the One-Stop Fund Transfer Service Site is funded. A function for receiving information required for transfer; And in connection with a financial institution, upon approval of the financial institution, the payment system withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. A computer readable recording medium having a program recorded thereon is provided.
On the other hand, the present invention relates to a one-stop fund transfer service system having a processor for a money transfer service during an electronic financial transaction using the Internet, which is linked to the account from an account opened at a first financial institution. 2, in accordance with the request of the customer who wants to transfer funds to the virtual account of the financial institution, the one-stop fund transfer service program on the homepage of the service site operated by the second financial institution; Receiving money transfer details according to the operation of the one-stop money transfer service program; And a computer-readable recording medium having recorded thereon a program for realizing a function of depositing a transfer amount into a virtual account of the second financial institution upon approval of the first financial institution according to the received details. .

In particular, the present invention transfers funds for the purchase of securities while using the information of the institution on the homepage provided by the second financial institution such as securities company, investment company, insurance company, etc. to customers who want to use the second financial institution such as securities, investment trust, insurance When the need arises, the necessary funds can be sent by one-stop by clicking on the icon or banner on the homepage, and the funds are immediately notified to the managers of securities firms, investment companies and insurance companies. Allow transfers, remittances, and securities purchases.

Such a one-stop transfer of funds (transfer) service can be immediately remitted by clicking on the icon or banner within the homepage of a second financial institution such as a securities company, a trust company, an insurance company, and the like. Direct and immediate notification to the second financial institution allows remittances and securities to be purchased in real time.

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.

2 is an exemplary configuration diagram of a hardware system for a one-stop fund transfer service to which the present invention is applied.

The One-Stop Fund Transfer (Transfer) service allows the bank's online remittance function (bank account transfer function) to be performed online using an open information and communication network such as the Internet. When the customer who wants to use (20) uses the information of the institution on the homepage provided by the second financial institution 20, such as a securities company, a trust company, an insurance company, etc. By clicking the icon or banner on the homepage, one-stop transfer of necessary funds is made, and the relevant manager of the second financial institution 20 is immediately notified so that the purchase of securities can be made. It is a service.
Here, the second financial institution 20 assumes a securities company, a trust company, an insurance company, etc. as a preferred embodiment, but will be described in more detail below, but is not limited to this, banks, shopping malls, other one-stop money transfer service site ( For example, one-stop fund transfer service can be operated by running a one-stop fund transfer service program on the homepage provided by Bank Town, etc. or by running a dedicated program (dedicated one-stop transfer service program) on the user terminal (PC). Note that it may be configured to do so.

This one-stop money transfer service can be immediately remitted by clicking on the icon or banner in the homepage of the second financial institution 20, such as securities firms, trust companies, insurance companies, etc., and the transfer to the second financial institution 20 Direct and immediate notification allows real-time transfer of funds (transfers) and purchase of securities. In addition, the one-stop fund transfer service can be instantly remitted by clicking on the icon or banner within the homepage of shopping malls, banks, etc., and the payment of goods and transfer of funds by directly and immediately notifying the manager of the shopping mall or bank that such remittance occurred. Remittance) may be performed in real time.

To this end, the customer system 10, the second financial institution 20 and the payment system 30 must first be issued a digital certificate from a certification authority (CA). At this time, the issued electronic certificate protects the customer's money transfer information and exchanges each other in order to check each other, and then performs the money transfer payment processing.

The one-stop fund transfer service utilizes the bank's fund transfer function, but processes the funds transfer payments made offline using the e-commerce payment protocol online, thereby allowing customers and members (secondary financial institutions such as securities firms, investment firms and insurance companies). ) Eliminate the inconvenience that managers have to visit banks.

For the one-stop money transfer (remittance) service, the customer system 10 equipped with the electronic wallet 11, the second financial institution 20, and the payment system 30 connected to the host system of the bank are required. These element systems are linked through open information and communication networks such as the Internet, and their functions and actions are as follows.

An open information communication network such as the Internet connects communication lines between the customer system 10 and the second financial institution 20 to establish a data communication related to a one-stop fund transfer service.

Of course, it is obvious that the customer system 10 can be connected to the second financial institution 20 through not only the Internet but also a dedicated line, a public communication network (PSTN), and a mobile telephone network.

Here, the customer system 10 is a terminal having a web browser, and a personal computer (PC) including a communication mediation apparatus (for example, a modem, etc.), a monitor, a keyboard (or a keypad), and the like is preferable. Alternatively, the present invention may be a mobile communication terminal such as a PCS phone, a next generation mobile communication terminal such as IMT-2000 (International Mobile Telecommunication), a UMTS (Universal Mobile Telecommunication Service), a personal digital assistant (PDA), a laptop, or the like. Self-explanatory

The customer system 10 is generally equipped with an electronic wallet 11 for processing a web browser and an e-commerce payment protocol.

The electronic wallet 11 performs a management and verification function of an electronic certificate, an encryption and decryption function, and a delivery and reception function of a full text message according to a payment protocol. As a result, the electronic wallet 11 is interlocked with the second financial institution 20 to process the money transfer payment.

For the one-stop fund transfer service, the electronic wallet 11 confirms the validity of the electronic certificate of the second financial institution 20 and the payment system 30, and encrypts the information necessary for processing the one-stop fund transfer service with symmetric key encryption. Encrypt using an algorithm and encrypt the encryption key with a public key included in the electronic certificate of the payment system (30). The encrypted money transfer information and the encrypted key are transmitted to the second financial institution 20 using a payment protocol, and the result is received and confirmed.

The second financial institution 20 is a system that sells financial products such as securities, investment trusts, and insurance to customers through an open information and communication network such as the Internet, and a point-of-sale information management system (POS: Point Of Sale) for processing a transfer of money. system) 21 is mounted.

The point of sale information management system 21 relays the money transfer payment information in connection with the customer system 10 and the payment system 30, and receives the result from the payment system 30 and delivers the result to the customer system 10. .

For reference, the point-of-sale information management system (POS) 21 refers to a terminal device that automatically collects and records data on sales management immediately by selling an electronic cash register function and a computer function. For example, it is installed in department stores, supermarkets, retail stores, etc. and automatically collects and records data used at single point of sale, inventory management, customer management, and sales management at the point of sale. Refers to a terminal device having a file function for temporarily recording the data, and an online function for connecting and transmitting data at the time of sale to a host device (head office host computer, etc.).
Therefore, it should be noted that the second financial institution 20 may be an internet shopping mall that sells goods (commodities) online or a financial transaction bank.

Input method of product code (manufacturer code, item code, etc.) is input by key input and automatic reading device by fixed scanner or handheld scanner.OCR (Optical Character Reader) By automatically reading the printed product code, information about product movement (receipt, sales, etc.) is created at the point of sale and sent online to the host device.

As such, POS is a source of necessity to quickly and accurately grasp consumer trends (product management, customer management, etc.) according to changes in the market environment, such as competition among companies and diversification of goods and services due to structural changes of consumers. It is spreading rapidly with the spread of marking. In recent years, it has evolved from a simple POS to a store automation (SA) system in stores.

For the one-stop transfer of funds payment process, the second financial institution 20 confirms whether the customer's electronic certificate is valid, and then sends the encrypted money transfer payment information (encrypted money transfer information, encrypted key) sent by the customer system 10. ) Is delivered to the payment system 30 using the payment protocol to deliver the payment processing, and receives the result and delivers the result to the customer system 10.

The payment system 30 interoperates with the bank host system to perform the money transfer payment requested by the second financial institution 20.

When the second financial institution 20 requests the one-stop money transfer payment processing, the payment system 30 confirms whether the electronic certificate of the second financial institution 20 and the customer system 10 is valid. At this time, if the electronic certificate is valid, the payment system 30 decrypts the encrypted key with its private key, and then decrypts the encrypted money transfer payment information. Subsequently, the payment system 30 transfers the money transfer payment information to the bank having the customer account, which is a withdrawal account, to request a bank transfer, and transfers the result to the second financial institution 20 using the payment protocol.

The second financial institution 20 may include its homepage, one-stop fund transfer service program, and additionally a security system, payment and authentication system, community, etc., and advertisement and multimedia contents provided by an advertiser or a content provider. And a database for storing and the like. In particular, a customer-specific database is built.

The customer can access the homepage of the second financial institution 20 and use the one-stop fund transfer (transfer) service using the one-stop fund transfer service program. At this time, the one-stop fund transfer service program, as well as the one-stop fund transfer service, it is obvious that the advertisement may be requested by the advertiser and provide the advertisement.

In the above, the customer assumed a one-stop money transfer (remittance) service by accessing the homepage of the second financial institution 20, but in addition, a web providing a one-stop fund transfer (transfer) service dedicated to the payment system 30 is located. Obviously, one-stop fund transfer services can be accessed by accessing the site (tentatively Banktown). In this case, a one-stop fund transfer service program (screen) can be provided to customers on the homepage of a website (tentative bank town) that provides a one-stop fund transfer (transfer) service.

For reference, a one-stop fund transfer service program installed in the terminal of the customer for the convenience of the customer will be described in more detail as follows. The following describes the installation, membership registration, program execution and usage of the dedicated one-stop fund transfer service program. This dedicated one-stop fund transfer service program is provided directly from a customer's terminal without receiving a one-stop fund transfer service program (screen) from the homepage of the bank town 30 or the homepage of the second financial institution 20. ) To enable one-stop fund transfer services.

Then, explaining the installation process of the dedicated one-stop fund transfer service program, the customer accesses the homepage of the second financial institution 20 through the customer system 10 and downloads the installation program to the customer system 10.

After the download is completed, it will automatically install a dedicated one-stop fund transfer service program, and during the installation process you will be asked to enter your name, password, credit card, direct debit / electronic money, payment method, address and other options. Go through the steps At this time, if the homepage is already registered in the existing member registration step only by entering a password to confirm the membership. Of course, the above member registration process is only one example, it is obvious that it can be added, changed, deleted.

The dedicated one-stop fund transfer service program is connected to the second financial institution 20 during the installation process, and automatically transfers the member registration information to the second financial institution 20, the second financial institution 20 is internal to the member. Give an identifier (ID).

Here, the member may automatically execute a dedicated one-stop fund transfer service program when the computer is connected to the communication, or set to be executed when the icon on the desktop is clicked.

In addition, when the network is set up for the dedicated one-stop money transfer service program, the terminal may be automatically connected when connected to the Internet. This is for users who have difficulty in computer or internet communication. When a customer runs a web browser to connect to the Internet, the one-stop fund transfer service program automatically detects this and allows the program to run on its own. For example, if you are using a cable modem or an Asymmetric Digital Subscriber Line (ADSL) subscription rather than a telephone modem, you will usually be connected to the local area network (LAN) connection to the Internet in addition to booting your computer. Even if you don't know your computer, you can boot up your computer and use the one-stop transfer service program.

The advertisement type that can be additionally provided when the one-stop fund transfer service program is executed is a simple information transmission advertisement that delivers only information and has no special compensation to the user, or when the target of the advertisement is a PC user or a mobile terminal user. In particular, in order to increase the participation of the advertising members receive a mileage corresponding to the posting time of the advertisements for discounts when purchasing the product of the advertiser, and participate in events such as quizzes delivered through the advertising window to receive certain rewards such as prizes It may be an instant purchase advertisement that allows users to order specific information about the product or to purchase the product directly by viewing event events and advertisements that are posted. However, it is not limited to such advertisement.

Meanwhile, the area of advertising means a category of a product or service that an advertiser wants to advertise, such as category division in a general shopping mall. For example, clothing, furniture, health food, flowers, agricultural and marine products, office supplies, and adult items. , Movies, music, drinks / liquor, cars, general merchandise / household goods, general appliances, computers, etc., but may be classified as, but is not limited thereto.

The One-Stop Fund Transfer (Remittance) service replaces existing bank account transfers with Internet online bank transfers, and is used when immediate remittance is required from a bank account to a member (second financial institution) account (/ virtual account). For reference, one-stop fund transfer service fees are not self-directed, and in the case of other funds, a transfer fee is charged. For example, "K bank A account 1 million won → one-stop transfer service → L bank B account → deposit".

Customers who wish to use the one-stop transfer service must first apply directly to their bank to apply for an Internet Banking ID. Of course, existing PC banking users can use the same ID. In addition, download and install the electronic wallet (11), a tool for integrated management, and install information about all banks and transactions on the Internet. Must be installed.

Based on the electronic wallet 11 and the electronic certificate, the customer can use the one-stop fund transfer service program through the homepage of the bank town where the payment system 30 is located or the homepage of the second financial institution 20 or his terminal. The dedicated one-stop fund transfer service program installed in (PC) allows banking transactions using the one-stop fund transfer (transfer) service while feeling the convenience of more convenient and safe electronic financial transactions.
Therefore, as described above, the electronic wallet 11 performs a management and verification function of the electronic certificate, an encryption and decryption function, and a full delivery and reception function of a payment message according to a payment protocol. As a result, the electronic wallet 11 may be linked with the second financial institution 20 to process the money transfer payment.
In particular, for the one-stop money transfer service, the electronic wallet 11 checks the validity of the electronic certificate of the second financial institution 20 and the payment system 30, and symmetrically stores the information necessary for the one-stop money transfer service processing. Encrypt using an encryption algorithm and encrypt the encryption key with the public key included in the electronic certificate of the payment system (30). Then, the encrypted money transfer information and the encrypted key are transmitted to the second financial institution 20 using a payment protocol, and the result is received and confirmed.

Now, the one-stop fund transfer service method according to the present invention will be described in more detail.

As shown in Figure 3, the one-stop fund transfer service method according to the present invention is a second financial institution 20, such as securities, investment trust, insurance, or shopping malls, banks, one-stop fund transfer service site (bank town) Buying securities, payment of goods, or money transfer (transfer) from the second financial institution 20 such as a securities company, a trust company, an insurance company, or a website provided by a shopping mall, bank, bank town, etc. If you click on the one-stop fund transfer icon or banner on the homepage to transfer funds (transfer) for the program, the one-stop fund transfer service program will be started (or a dedicated one-stop fund transfer service program installed on your PC). If the customer drives the electronic wallet (11) to input the remittance details, the final approval process is sent out to send a complete message to immediately transfer funds ( Can the gold).
At this time, the amount of money transfer (transfer) is deposited to a second financial institution 20 such as a securities company, a trust company, an insurance company, or an account (/ virtual account) such as a shopping mall or a bank, and the deposit details are a securities company, a trust company, an insurance company A second financial institution 20, a shopping mall, a bank, or the like may be notified so that the purchase of securities, the payment of goods, or the transfer of funds (transfer) may be performed in real time. Here, the money transfer (remittance) is the amount to be transferred from the account of the customer opened in the first financial institution (bank) withdrawal to the second financial institution 20, or the mall or bank (in this case, the bank is the customer's account) The bank may be the same bank as the first financial institution in which is established (i.e., if it is a bank transfer), or may be another bank (i.e., if it is a bank transfer).

4 is an overall flowchart of a one-stop fund transfer service method according to the present invention.

As shown in Figure 4, the one-stop fund transfer service method according to the present invention, first, the customer to drive the electronic wallet 11 to purchase securities, payment of goods or payment of funds (transfer), etc. When a stop fund transfer (remittance) service is requested (401), the point-of-sale information management system 21 established in the second financial institution 20, a shopping mall or a bank provides a one-stop transfer service screen (program) to the customer. Present (402). Of course, as described above, a shopping mall, in order to transfer funds (transfer) for the purchase of securities, payment of goods, or transfer of funds (transfer) from the homepage provided by the bank town where the payment system 30 is located. Fund transfer (remittance) services can also be performed through the one-stop fund transfer service program provided on the homepage of banks and bank towns. In addition, it is also possible to run a dedicated one-stop money transfer service program installed on the customer terminal (PC) to perform a money transfer (transfer) service.

Thereafter, when the customer inputs money transfer (transfer) data (403), the electronic wallet 11 requests the money transfer (transfer) to the payment system 30 (404). Here, the process of approving the electronic certificate between the electronic wallet 11 and the payment system 30 is additionally involved, in which the payment system 30 is submitted to the certification authority (CA) for approval.

Next, the payment system 30 requests the user identification and security number from the bank (405), and receives the security number from the bank (406).

Thereafter, the payment system 30 requests the input of the security number to the electronic wallet 11 (407) when the customer enters the security number (408), the funds transfer from the electronic wallet 11 to the payment system 30. Request a transaction (409).

Accordingly, the payment system 30 requests the verification of the security number to the bank (410), if approved (411), and sends the full transaction to the bank (412). In addition, the bank immediately informs the transaction result to the payment system 30 (413), the payment system 30 also to the point of sale information management system 21, such as the customer and the second financial institution 20, shopping malls, banks, etc. At the same time, the transaction result is notified in real time (414, 415).

5 is a detailed flowchart of an embodiment of a one-stop fund transfer service method in a payment system according to the present invention.

As shown in FIG. 5, the one-stop money transfer service method in the payment system 30 firstly requests a money transfer (transfer) by driving the electronic wallet 11 (501), and the payment system 30. In step 502, the issued electronic certificate is authenticated (502), and if authentication fails, error processing is performed (503). If the authentication is successful, fund transfer (transfer) information is stored in a database (504).

Then, the user requests a login to the bank (505) according to the user verification result in the bank (506) if the user is not a legitimate error (507), if the legitimate user transfers the full money transfer to the bank (508). At this time, the bank sends the processing result to the payment system 30, the payment system 30 in accordance with the processing result in the bank (509) error processing when not processed (510), and enters the security number upon completion of the customer Request (511,512) and submit it to the bank when entering the customer's security number (513). Subsequently, a transfer of money (transfer) transaction is processed between the payment system 30 and the bank (for example, withdrawal amount is transferred from the user's account and traveled to the account (/ virtual account) of the second financial institution 20). Other funds transfer (remittance) (514), according to the processing result sent from the bank (515) error processing when not processed (516), and when the processing is completed, the processing completion message in real time with the customer and the second financial institution (20) At the same time, the point-of-sale information management system 21 such as a shopping mall or a bank is notified (517).
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. Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains, and the above-described embodiments and accompanying It is not limited to the drawing.

As described above, the present invention provides a second financial institution such as a securities company, a trust company, an insurance company, a shopping mall, a bank, or the like. You can easily transfer money from one-stop money transfer service site (bank town), etc., and then transfer the amount of money transferred to a second financial institution such as a securities company, a trust company, an insurance company, or an account (/ virtual account) such as a shopping mall or a bank. By notifying the details in real time so that the second financial institutions, shopping malls, banks, etc., such as securities firms, trust companies, insurance companies, etc. can be known in real time, more convenient and safe electronic financial transactions are possible.

Claims (55)

In the money transfer service method in electronic financial transactions using the Internet, One-stop fund transfer service from the homepage of the service site operated by the second financial institution, according to the customer's request for the transfer of funds from the account opened at the first financial institution to the account of the second financial institution. Running a program; Receiving, by the one-stop fund transfer service program, information required for transfer of funds; And Upon final approval of the first financial institution, the one-stop fund transfer service program depositing a transfer amount into the account of the second financial institution based on the information; One-stop fund transfer service method via the Internet, including. The method of claim 1, Notifying, by the one-stop fund transfer service program, the result of the transfer of funds to the terminal of the customer and / or the operator terminal of the second financial institution in real time. One-stop funds transfer service method via the Internet further comprising. The method of claim 1, The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 1, The one-stop fund transfer service program is a process for receiving the information required to transfer funds, The one-stop money transfer service program authenticates the electronic wallet of the customer, and receives the information required for money transfer from the authenticated electronic wallet, one-stop money transfer service method via the Internet. The method according to any one of claims 1 to 4, The account of the second financial institution, One-stop fund transfer service method through the Internet, characterized in that the virtual account. The method of claim 5, wherein The second financial institution, One-stop money transfer service method through the Internet, characterized in that any one of securities firms, trust companies, insurance companies. The method of claim 6, The one-stop fund transfer service program, When the customer who wants to use the second financial institution, such as securities, trust, insurance, uses the information of the institution on the homepage provided by the second financial institution and needs to transfer funds, the icon or banner in the homepage Click to drive, the customer transfers the transfer amount to the virtual account of the second financial institution in one-stop through the one-stop fund transfer service program, and transfers the funds transfer processing result to the second finance One-stop fund transfer service method through the Internet, characterized in that the notification in real time to the operator terminal of the institution. The method of claim 7, wherein The terminal of the customer who wants to transfer funds from the account opened in the first financial institution to the virtual account of the second financial institution, Install the electronic wallet and the electronic certificate, and transfer the transfer amount to the virtual account of the second financial institution in one-stop through the one-stop fund transfer service program based on the electronic wallet and the electronic certificate. Remittance, and at this time, the result of the money transfer process is notified in real time to the operator terminal of the second financial institution, the one-stop money transfer service method via the Internet, characterized in that it is possible to buy securities in real time. In the money transfer service method in electronic financial transactions using the Internet, Driving a one-stop fund transfer service program at a homepage of a service site operated by a predetermined institution having the other account, according to a request of a customer who wants to transfer funds from one account to another account; Receiving, by the one-stop fund transfer service program, information required for transfer of funds; And In connection with a financial institution, upon the approval of the financial institution, the one-stop fund transfer service program withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. step One-stop fund transfer service method via the Internet, including. The method of claim 9, Receiving, by the one-stop fund transfer service program, the result of the transfer of funds from the financial institution, and notifying the terminal of the customer and / or the operator terminal of the predetermined institution in real time; One-stop fund transfer service method via the Internet further comprising. The method of claim 9, The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 9, The one-stop fund transfer service program is a process for receiving the information required to transfer funds, The one-stop money transfer service program authenticates the electronic wallet of the customer, and receives the information required for money transfer from the authenticated electronic wallet, one-stop money transfer service method via the Internet. The method according to any one of claims 9 to 12, The predetermined organ, One-stop fund transfer service method through the Internet, characterized in that any one of securities firms, trust companies, insurance companies, shopping malls, banks. The method of claim 13, The one-stop fund transfer service program, When the customer who wants to use the predetermined institution of any one of a securities company, a trust company, an insurance company, a shopping mall, and a bank uses the information of the institution on the homepage provided by the predetermined institution and needs to transfer funds, the predetermined institution Clicking the icon or banner in the homepage provided to the terminal of the customer, the customer withdraws the transfer amount from the one account to the one-stop (One-stop) through the one-stop fund transfer service program A one-stop fund transfer service method through the Internet, characterized in that the transfer of funds in real time to the other account owned by a given institution. The method of claim 14, The terminal of the customer who wants to transfer funds from the one account to the other account, Install the electronic wallet and the electronic certificate, withdraw the transfer amount from the one account to the one-stop through the one-stop fund transfer service program based on the electronic wallet and the electronic certificate to the predetermined institution The one-stop fund transfer service method through the Internet, characterized in that the funds can be transferred to the other account. The method of claim 15, The other account, One-stop fund transfer service using the Internet, characterized in that the virtual account. In the money transfer service method in electronic financial transactions using the Internet, Driving a one-stop money transfer service program on a homepage of a one-stop money transfer service site according to a request of a customer who wants to transfer funds from one account to another account; Receiving, by the payment system of the one-stop fund transfer service site, information necessary for transfer of funds according to the customer's request for transfer of funds through the one-stop fund transfer service program; And In connection with a financial institution, upon approval of the financial institution, the payment system withdrawing the transfer amount from the one account of the customer based on the information and depositing the money into the other account of the predetermined institution; One-stop fund transfer service method via the Internet, including. The method of claim 17, Receiving, by the payment system, the result of the money transfer processing from the financial institution and notifying the terminal of the customer and / or the operator terminal of the predetermined institution in real time; One-stop funds transfer service method via the Internet further comprising. The method of claim 17, The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 17, The process of receiving the information required for transfer of funds by the payment system, In response to a request for the transfer of funds through the one-stop fund transfer service program, the payment system authenticates the electronic wallet of the customer and receives information required for transferring funds from the authenticated electronic wallet. One-stop fund transfer service through The method according to any one of claims 17 to 20, The one-stop fund transfer service program, Clicking on an icon or banner in the homepage provided by the one-stop fund transfer service site of the given institution when there is a need to transfer the money while using information from any one of a securities company, a trust company, an insurance company, a shopping mall, and a bank If the customer is provided to the terminal of the customer, the customer withdraws the transfer amount from the one account in one-stop through the one-stop fund transfer service program in real time to the other account that the predetermined institution has One-stop funds transfer service method through the Internet, characterized in that the transfer of funds to. The method of claim 21, The terminal of the customer who wants to transfer funds from the one account to the other account, Install the electronic wallet and the electronic certificate, withdraw the transfer amount from the one account to the one-stop through the one-stop fund transfer service program based on the electronic wallet and the electronic certificate to the predetermined institution The one-stop fund transfer service method through the Internet, characterized in that the funds can be transferred to the other account. The method of claim 22, The other account, One-stop fund transfer service using the Internet, characterized in that the virtual account. In the money transfer service method in electronic financial transactions using the Internet, Driving a dedicated one-stop fund transfer service program installed on the terminal of the customer according to a request of a customer who wants to transfer funds from one account to another account; Receiving, by the payment system of the one-stop fund transfer service site, information required for transfer of funds according to the customer's request for transfer of funds through the dedicated one-stop fund transfer service program; And In connection with a financial institution, upon approval of the financial institution, the payment system withdraws the transfer amount from the one account of the customer based on the information and deposits the payment amount with the other account owned by the predetermined institution; One-stop fund transfer service method via the Internet, including. The method of claim 24, Receiving, by the payment system, the result of the money transfer processing from the financial institution and notifying the terminal of the customer and / or the operator terminal of the predetermined institution in real time; One-stop funds transfer service method via the Internet further comprising. The method of claim 24, The process of receiving the dedicated one-stop fund transfer service information necessary for transfer of funds, The one-stop fund transfer service program authenticates the electronic wallet of the customer, and receives the information required for the transfer of funds from the authenticated electronic wallet, the one-stop fund transfer service method via the Internet. The method according to any one of claims 24 to 26, The dedicated one-stop fund transfer service program, When there is a need to transfer funds while using information at any one of a securities company, a trust company, an insurance company, a shopping mall, and a bank, clicking the dedicated one-stop transfer service program is driven on the terminal of the customer, and the customer Through the dedicated one-stop fund transfer service program, the transfer amount can be withdrawn from the one account to the one-stop in real time so that the funds can be transferred in real time to the other account held by the predetermined institution. One-stop fund transfer service via the Internet. The method of claim 27, The terminal of the customer who wants to transfer funds from the one account to the other account, Install the electronic wallet and the electronic certificate, withdraw the transfer amount from the one account to the one-stop through the dedicated one-stop fund transfer service program based on the electronic wallet and the electronic certificate to the predetermined A one-stop fund transfer service method through the Internet, characterized in that funds can be transferred to another account held by the institution. The method of claim 28, The other account, One-stop fund transfer service method through the Internet, characterized in that the virtual account. In the money transfer service method in electronic financial transactions using the Internet, Driving a one-stop fund transfer service program at a homepage of a service site operated by a predetermined institution having the other account, according to a request of a customer who wants to transfer funds from one account to another account; In connection with a payment system of a one-stop fund transfer service site, the one-stop fund transfer service program receiving information necessary for transfer of funds; And In connection with the payment system, upon approval of the financial institution linked to the payment system, the one-stop fund transfer service program withdraws the transfer amount from the one account of the customer based on the information so that Step to make deposit into another account One-stop fund transfer service method via the Internet, including. The method of claim 30, In connection with the payment system, the one-stop money transfer service program receives the result of the money transfer process from the financial institution linked to the payment system and notifies the terminal of the customer and / or the operator terminal of the predetermined institution in real time. Steps One-stop funds transfer service method via the Internet further comprising. The method of claim 30, The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 30, The one-stop fund transfer service program is a process for receiving the information required to transfer funds, In connection with the payment system, the one-stop fund transfer service program authenticates the electronic wallet of the customer and receives information required for transfer of funds from the authenticated electronic wallet. Way. In the money transfer service method in electronic financial transactions using the Internet, The customer's funds through the One-stop fund transfer service program run from the homepage of a service site operated by a predetermined institution having the other account according to the request of the customer who wishes to transfer funds from one account to another account. In response to the transfer request, the payment system of the one-stop fund transfer service site receives the information required for the transfer of funds; And In connection with a financial institution, upon approval of the financial institution, the payment system withdrawing the transfer amount from the one account of the customer based on the information and depositing the money into the other account of the predetermined institution; One-stop fund transfer service method via the Internet, including. The method of claim 34, wherein Receiving, by the payment system, the result of the money transfer processing from the financial institution and notifying the terminal of the customer and / or the operator terminal of the predetermined institution in real time; One-stop funds transfer service method via the Internet further comprising. The method of claim 34, wherein The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 34, wherein The process of receiving the information required for transfer of funds by the payment system, The payment system authenticates the customer's electronic wallet, and the one-stop money transfer service method via the Internet, characterized in that for receiving the information required to transfer funds from the authenticated electronic wallet. The method according to any one of claims 30 to 37, The predetermined organ, One-stop fund transfer service method through the Internet, characterized in that any one of securities firms, trust companies, insurance companies, shopping malls, banks. The method of claim 29, The one-stop fund transfer service program, When a customer who wants to use the predetermined institution of any one of a securities company, a trust company, an insurance company, a shopping mall, and a bank uses the information of the institution on the homepage provided by the predetermined institution and needs to transfer funds, Clicking an icon or banner in the homepage is provided to the terminal of the customer, the customer withdraws the transfer amount from the one account to the one-stop through the one-stop fund transfer service program to the predetermined institution A one-stop fund transfer service method through the Internet, characterized in that the transfer of funds to the other account in real time. The method of claim 39, The terminal of the customer who wants to transfer funds from the one account to the other account, Install the electronic wallet and the electronic certificate, withdraw the transfer amount from the one account to the one-stop through the one-stop fund transfer service program based on the electronic wallet and the electronic certificate to the predetermined institution The one-stop fund transfer service method through the Internet, characterized in that the funds can be transferred to the other account. The method of claim 40, The account, One-stop fund transfer service method through the Internet, characterized in that the virtual account. In the money transfer service method in electronic financial transactions using the Internet, According to the customer's request for the transfer of funds from the account opened at the first financial institution to the virtual account of the second financial institution linked to the account, one-stop service is provided on the homepage of the service site operated by the second financial institution. -stop) running a fund transfer service program; Receiving a fund transfer history according to the operation of the one-stop fund transfer service program; And Depositing the transfer amount into the virtual account of the second financial institution according to the received details, upon approval of the first financial institution; One-stop fund transfer service method via the Internet, including. The method of claim 42, The one-stop fund transfer service program notifying the operator terminal of the second financial institution in real time of the result of the transfer of funds; One-stop funds transfer service method via the Internet further comprising. The method of claim 42, The process of driving the one-stop fund transfer service program, According to the customer's request, the one-stop fund transfer service method through the Internet, characterized in that driven by providing the one-stop fund transfer service program to the terminal of the customer. The method of claim 42, In accordance with the operation of the one-stop fund transfer service program, the process of receiving information required for fund transfer, The one-stop money transfer service program authenticates the electronic wallet of the customer, and receives the information required for money transfer from the authenticated electronic wallet, one-stop money transfer service method via the Internet. The method according to any one of claims 42 to 45, The second financial institution, One-stop money transfer service method through the Internet, characterized in that any one of securities firms, trust companies, insurance companies. The method of claim 46, The one-stop fund transfer service program, When the customer who wants to use the second financial institution such as securities, investment, insurance, etc. uses the information of the institution on the homepage provided by the second financial institution and clicks the icon or banner in the homepage when a need for money transfer occurs And the customer transfers the transfer amount to the virtual account of the second financial institution in one-stop through the one-stop fund transfer service program, and sends the funds transfer result to the second financial institution. One-stop fund transfer service method through the Internet, characterized in that the operator terminal in real time notification. The method of claim 47, The terminal of the customer who wants to transfer funds from the account opened in the first financial institution to the virtual account of the second financial institution, Install the electronic wallet and the electronic certificate, and transfer the transfer amount to the virtual account of the second financial institution in one-stop through the one-stop fund transfer service program based on the electronic wallet and the electronic certificate. Remittance, and at this time, the result of the money transfer process is notified in real time to the operator terminal of the second financial institution, the one-stop money transfer service method via the Internet, characterized in that it is possible to buy securities in real time. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, One-stop fund transfer service from the homepage of the service site operated by the second financial institution, according to the customer's request for the transfer of funds from the account opened at the first financial institution to the account of the second financial institution. A function of driving a program; A function of receiving, by the one-stop fund transfer service program, information necessary for transferring funds; And Upon final approval of the first financial institution, the one-stop fund transfer service program deposits a transfer amount into the account of the second financial institution based on the information; A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, A function of driving a one-stop fund transfer service program on a homepage of a service site operated by a predetermined institution having the other account, according to a request of a customer who wants to transfer funds from one account to another account; A function of receiving, by the one-stop fund transfer service program, information necessary for transferring funds; And In connection with a financial institution, upon the approval of the financial institution, the one-stop fund transfer service program withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. function A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, A function of driving a one-stop money transfer service program on the homepage of a one-stop money transfer service site according to a request of a customer who wants to transfer funds from one account to another account; A function of receiving information required for transfer of funds by the payment system of the one-stop fund transfer service site according to a request for transfer of funds through the one-stop transfer service program; And In connection with a financial institution, upon approval of the financial institution, the payment system withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, A function of driving a dedicated one-stop fund transfer service program installed on a terminal of the customer according to a request of a customer who wants to transfer funds from one account to another account; A function of receiving information required for transfer of funds by a payment system of a one-stop fund transfer service site according to a request for transfer of funds through the dedicated one-stop transfer service program; And In connection with a financial institution, upon approval of the financial institution, the payment system withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account owned by a predetermined institution. A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, A function of driving a one-stop fund transfer service program on a homepage of a service site operated by a predetermined institution having the other account, according to a request of a customer who wants to transfer funds from one account to another account; A function of receiving the information required for transfer of funds by the one-stop fund transfer service program in connection with a payment system of a one-stop fund transfer service site; And In connection with the payment system, upon approval of the financial institution linked to the payment system, the one-stop fund transfer service program withdraws the transfer amount from the one account of the customer based on the information so that Function to make deposit into another account A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, The customer's funds through the One-stop fund transfer service program run from the homepage of a service site operated by a predetermined institution having the other account according to the request of the customer who wishes to transfer funds from one account to another account. In response to the transfer request, the payment system of the one-stop fund transfer service site receives the information required for the transfer of funds; And In connection with a financial institution, upon approval of the financial institution, the payment system withdraws a transfer amount from the one account of the customer based on the information and deposits the money into another account of the predetermined institution. A computer-readable recording medium having recorded thereon a program for realizing this. In the one-stop fund transfer service system equipped with a processor for the money transfer service in the electronic financial transaction using the Internet, According to the customer's request for the transfer of funds from the account opened at the first financial institution to the virtual account of the second financial institution linked to the account, one-stop service is provided on the homepage of the service site operated by the second financial institution. -stop) the ability to run the money transfer service program; Receiving money transfer details according to the operation of the one-stop money transfer service program; And A function of depositing a transfer amount into a virtual account of the second financial institution by approval of the first financial institution according to the received details. A computer-readable recording medium having recorded thereon a program for realizing this.

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