KR100959191B1 - Swing/reverse-swing service providing system and method thereof - Google Patents

Abstract

The present invention relates to a system and method for providing a swing / backswing service capable of transferring between a demand account and a CMA account based on the balance of a demand account or an automatic debit amount.

In the reverse swing service system according to the present invention, a demand account is linked to a CMA account, and when the balance of the demand account is less than the payment amount on the payment date, the predetermined amount of the balance of the CMA account is transferred to the demand account. The reverse switching service system includes a direct debit management server that manages direct debit, and outputs debit shortage information including the required account number and payment shortage information; And a reverse swing processing server for transferring a predetermined amount of the balance of the CMA account to the demand account based on the lack of transfer information.

Swing, reverse swing, demand account, CMA account, transfer

Description

Swing / reverse swing service providing system and method {SWING / REVERSE-SWING SERVICE PROVIDING SYSTEM AND METHOD THEREOF}

The present invention relates to a system and method for providing a swing / back swing service, and more particularly, to a system and method for providing a swing / back swing service that can be transferred between a demand account and a securities firm's CMA account based on the balance of a demand account or an automatic debit amount. It is about.

Securities firms' Cash Management Account (CMA) accounts, also known as bill management accounts or comprehensive asset management accounts, are earnings dividend financial instruments that invest customer's deposits in bills or bonds and return their profits to customers.

In general, CMA accounts have higher interest rates or yields than banks 'required accounts, so people's attention has recently been focused on using a CMA account and often transfers money from banks' required accounts to CMA accounts.

However, when the deposit amount is transferred from the bank's demand payment to the CMA account, the balance stored in the demand payment account may be smaller than the payment amount on the payment date of the demand account designated as the payment account such as credit or credit card.

Therefore, the customer has inconvenience in managing the payment account, such as checking the balance of the required account on the payment date of the credit, card, etc., and depositing a shortage for the payment amount.

It is an object of the present invention to provide a swing / reverse swing service providing system and method capable of transferring between a demand account and a CMA account based on a balance of a demand account or an automatic debit amount.

The reverse swing service providing system according to the characteristics of the present invention for achieving the above object

Manage the direct debit for the demand account of the first financial institution that the automatic debit for any one or more of the card payment, loan interest, utility bills are set, and if the balance of the demand account is less than the payment amount on the payment date And a direct debit management server that outputs insufficient funds information including payment shortage information. And a reverse swing processing server for transferring a first amount of the balance of the first account of the second financial institution to the demand account based on the lack of transfer information.

The reverse swing processing server,

A lack of information input unit for receiving the lack of information from the debit management server; A retrieval unit for retrieving an account number corresponding to the first account associated with the requested account information; And a deposit requesting unit requesting the second financial system to deposit the shortage amount of the payment to an account number corresponding to the first account.

Swing service providing system according to a feature of the present invention

An information storage unit for storing the required payment account information of the first financial institution and the transfer reference amount information, which is a reference amount for transferring from the balance of the demand account to the first account of the second financial institution linked to the demand account; And a swing processing server for transferring the first amount of the demand account to the first account when the balance of the demand account is greater than the transfer reference amount.

The swing processing server,

A swing time determination unit determining whether a predetermined period is reached; A search unit for searching the balance of the demand account and the transfer reference amount corresponding to the demand account; On the basis of the searched balance and the transfer reference amount, it is determined whether or not to transfer to the first account linked to the demand account, and search the virtual account number for deposit and withdrawal of the first account to convert the first amount to the virtual amount. It includes a determination whether or not to transfer to the account.

Reverse swing service method according to a feature of the present invention

The required payment account of the first financial institution and the first account of the second financial institution, which are set up for automatic payment of at least one of card charges, loan interest, and utility bills, are linked, and the first amount is not paid from the first account. As a method of providing a reverse swing service to be transferred to an account,

(a) receiving a transfer shortage information including a payment shortage amount corresponding to a difference between a payment amount required on the payment date and a balance of the demand account and the demand account information; (b) requesting a deposit of the amount due to the payment to the first account; And (c) changing the balance information of the demand account when receiving the deposit of the first amount of the first account from the second financial institution system.

In step (b),

Retrieving a virtual account number that manages deposit and withdrawal of the first account associated with the demand account; And requesting a deposit of the payment shortage amount from the balance of the first account to the virtual account number to the second financial institution system.

Reverse swing service method according to a feature of the present invention

A swing service providing method of linking a demand payment account of a first financial institution and a first account of a second financial institution, and transferring a first amount from the demand payment account to the first account,

(a) determining whether a certain period has been reached; (b) determining whether the balance of the demand account exceeds the transfer reference amount, which is a reference amount for transferring to the first account, when the predetermined period is reached; And (c) depositing the first amount into the first account when the balance of the demand account exceeds the transfer threshold in step (b).

According to the present invention, it is possible to provide a swing / reverse swing service providing system and method capable of transferring between a demand account and a CMA account based on the balance of the demand account or the amount of the automatic transfer.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

Now, a swing / backswing service providing system and method according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram conceptually illustrating a swing / reverse swing service according to an embodiment of the present invention.

The swing service has a higher interest rate or a higher rate of return than the required account if the balance of the required account of the customer who has subscribed to the swing service exceeds the predetermined amount specified by the customer. It is a service that transfers to another financial institution's account (eg, a CMA account of a securities company). Hereinafter, a CMA account of a securities company will be described as an example of an account of another financial institution whose interest rate or yield is higher than that of a demand account.

Customer decides whether or not to subscribe to the Swing Service, and the balance of the Requirement Account, which determines whether or not to transfer from the Requirement Account to the CMA Account when signing up for the Swing Service (hereinafter referred to as the `` Remaining of Requirement Account to determine whether or not to transfer to the CMA Account '' The amount of the transfer threshold).

In addition, the customer may set the transfer unit of a certain amount to be transferred when the balance of the demand account as well as the transfer threshold amount when the swing service subscription exceeds the transfer threshold amount. For example, if the balance of the demand account exceeds one million won (transfer base amount), the customer may transfer ten thousand won (transfer unit).

The reverse swing service is a service that transfers a shortage of the balance from the balance of the CMA account to the customer's demand account when the balance of the demand account is smaller than the settlement amount on the date of the direct transfer of the customer. In other words, the reverse swing service performs a payment by transferring a deficit of the balance from the balance of the CMA account when the amount of payment of the card or credit is smaller than the balance of the required account. It is a service.

For the swing / reverse swing service, the customer designates the CMA account of the brokerage system to be transferred to or from the demand account.

2 is an overall system configuration for providing a swing / reverse swing service according to an embodiment of the present invention.

Referring to FIG. 2, the entire system for providing a swing / reverse swing service includes a banking system 100 and another financial institution system (hereinafter, the securities company system 200 will be described as an example of another financial institution system). do. In addition, the bank system 100 is the information storage unit 300, card processing server 400, direct debit management server 500, swing / reverse swing processing server 600, credit processing server 700 and receiving processing server 800.

The information storage unit 300 includes a demand account information storage unit 310, a swing service usage information storage unit 320, and a reverse swing service usage information storage unit 330, and the card processing server 400 includes card payment information. The storage unit 410 is included. The credit processing server 700 includes a credit settlement information storage unit 710, and the debit management server 500 includes a debit information storage unit 510 and a lack of information storage unit 520.

Hereinafter, each configuration shown in FIG. 2 will be described.

When there is a deposit or withdrawal of a customer, the reception processing server 800 searches for the required account information storage unit 310 of the information storage unit 300 and changes the balance information. In addition, when there is a customer's deposit, the bank transfers the deposit information including the required account number of the customer to the direct debit management server 500.

The debit management server 500 stores the debit information storage unit 510 and the lack of information storage unit 520, and manages the debit for the customer's demand account.

Direct debit management server 500 is based on the direct debit information of the debit information storage unit 510, and automatically debits to the card processing server 400 or credit processing server 700 by searching for direct debit information of the corresponding date every day. Communicate information

In this case, the direct debit information includes a direct debit date, direct debit account information and the type of direct debit, the debit account information includes a demand account number and account number to be transferred from the demand account. The type of direct debit is information indicating whether the debit is a direct debit for card payment or a direct debit for credit. According to an embodiment of the present invention, the card payment and credit settlement will be described as an example of automatic transfer, but the present invention is not limited thereto, and various other utilities may be included.

Thereafter, the direct debit management server 500 receives the result of the payment processing from the card processing server 400 and the credit processing server 700, if the payment is not completed because the balance of the required payment account is less than the payment amount is insufficient Information is stored in the lack of information storage unit 520. At this time, the information on the lack of the transfer stored includes the required account number, the amount of the lack of transfer, the type of direct debit.

In addition, the direct debit management server 500 at the point in time (for example, when the window business closes) when the customer can change the balance of the demand account, the swing / reverse swing processing server 600 transfer shortage information storage unit ( Transfer lack information stored in 520 is transmitted. Subsequently, upon receiving the balance change information by depositor's deposit, etc. from the swing / reverse swing processing server 600, the required payment account number included in the balance change information and the type of automatic transfer stored in the lack of transfer information storage unit 520 are displayed. On the basis, the balance change information is transmitted to the card processing server 400 or the credit processing server 700.

When the card processing server 400 receives the direct debit information for the day from the direct debit management server 500, based on the payment amount stored in the card payment information storage unit 410, the required account of the information storage unit 300 The amount corresponding to the settlement amount is transferred from the remaining balance of the required payment account stored in the information storage unit 310.

At this time, when the balance of the required payment account is greater than the card payment amount, the payment is completed, and the debit management server 500 transmits a response including the payment completion contents. However, if the balance of the demand account is less than the card payment amount, only the current balance is transferred, and the debit shortage information (that is, the information of the amount deducting the current balance information from the payment amount information) to the direct debit management server 500. To pass. In this case, the lack of transfer information includes a required account number, the amount of the lack of transfer and the type of direct debit.

When the credit processing server 700 receives the direct debit information for the day from the direct debit management server 500, the required payment account of the information storage unit 300 based on the payment amount stored in the credit payment information storage unit 710 The amount corresponding to the settlement amount is transferred from the balance of the information storage unit 310.

In this case, when the balance of the required payment account is greater than the credit payment amount, the payment is completed, and the debit management server 500 transmits a response including the payment completion contents.

However, if the balance of the demand account is less than the credit payment amount, recalculate the transfer amount to the current balance or less, perform the automatic transfer by the calculated transfer amount, and transfer the insufficient information to the direct debit management server 500 do. In this case, the lack of transfer information includes a required account number, the amount of the lack of transfer and the type of direct debit.

The swing / reverse swing processing server 600 performs a transfer between the demand account and the CMA account based on the balance of the demand account or the amount of the automatic transfer. 3 is a diagram showing the configuration of the swing / reverse swing processing server 600.

Referring to FIG. 3, the swing / reverse swing processing server 600 includes a swing processor 610, a reverse swing processor 620, a demand account / virtual account mapping database 630, and a data transceiver 640.

The swing processor 610 includes a swing timing determiner 611, a searcher 612, a transfer decision determiner 613, and a change information storage 614. The reverse swing processor 620 includes a transfer shortage information receiver. 621, a search unit 622, a deposit request unit 623, and a change information storage unit 624. Hereinafter, each configuration will be described.

The swing processor 610 performs a swing service that transfers a certain amount of the balance of the demand account to the CMA account when the balance of the customer's demand account exceeds the transfer reference amount.

The swing timing determination unit 611 determines the swing timing to determine whether the balance of the customer's demand account exceeds the transfer reference amount. In this case, the swing time may be every day, every hour, and the like, and the swing time may be set when the bank system is set up or when the customer applies for the swing service.

The search unit 612 searches the balance of the demand account stored in the demand account information storage unit 310 of the information storage unit 300 and the transfer reference amount stored in the swing service usage information storage unit 320, Transfer to transfer decision unit 613.

The transfer determination unit 613 determines whether the balance of the demand account exceeds the transfer threshold, and if the balance exceeds the transfer threshold, determines the transfer from the demand account to the CMA account. Thereafter, the transfer determining unit 613 uses the CMA virtual account number, which is a virtual account for depositing and withdrawal of the CMA account, to be transferred by the customer when joining the swing service based on the required payment account number, using the demand account / virtual account mapping database 630. Search. The embodiment of the present invention uses a CMA virtual account number for the deposit and withdrawal of the CMA account without directly using the CMA account number when transferring between the demand account and the CMA account, but the present invention is not limited thereto. It can also be implemented using a real CMA account number.

Thereafter, the transfer determining unit 613 transmits the deposit request to the data transmitting / receiving unit 640 together with the virtual account number and the deposit amount information to be transferred, 'request to deposit the corresponding amount to the CMA account corresponding to the virtual account'. do.

When the change information storage unit 614 receives a response to the deposit request through the data transmission / reception unit 640, the change information storage unit 614 changes the balance of the required payment account stored in the demand account information storage unit 310.

The reverse swing processing unit 620 performs a reverse swing service that transfers the balance of the CMA account to the demand payment account when the amount of payment exceeds the balance of the demand account on the date of direct debit of the customer.

The lack of transfer information receiving unit 621 receives the lack of transfer information included in the lack of information storage unit 520 of the automatic transfer management server 500. The lack of transfer information includes the required account number, the amount of the lack of transfer, and the type of direct debit.

The search unit 622 searches for the required account number included in the lack of transfer information, using the request account / virtual account mapping database 630 for the virtual account of the CMA account specified by the customer when the reverse swing service is subscribed.

The deposit request unit 623 transmits a transfer shortage deposit request to the data transmitting / receiving unit 640 along with the searched virtual account and the lack of transfer amount to request 'to deposit the lack of transfer money to the virtual account'.

When the change information storage unit 624 receives a deposit request for the virtual account number through the data transmission / reception unit 640, the balance of the demand account stored in the demand account information storage unit 310 mapped to the virtual account designated by the user To change.

The demand account / virtual account mapping database 630 stores mapping information of the demand account number and the virtual account number while the user applies for the swing service and the reverse swing service.

The data transmission / reception unit 640 transmits a deposit request from the swing processor 610 to the securities company system 200, receives a response to the deposit request from the securities company system 200, and transmits the response to the swing processor 610. Also, the data transmission / reception unit 640 transmits a transfer shortage payment request from the reverse swing processor 620 to the securities company system 200, and receives a deposit request for the virtual account number from the securities company system 200. 620).

Referring back to FIG. 2, the information storage unit 300 includes a required account information storage unit 310, a swing service usage information storage unit 320, and a reverse swing service usage information storage unit 330.

The required payment account information storage unit 310 stores the required payment account number and balance information, and the swing service usage information storage unit 320 stores information on whether the swing service is used and the transfer reference amount. In addition, the reverse swing service usage information storage unit 330 stores whether the reverse swing service is used.

Now, a swing / back swing service providing method according to an embodiment of the present invention will be described.

4 is a diagram illustrating a control flow for providing a swing service according to an embodiment of the present invention.

The swing processor 610 determines whether the balance of the demand account of the customer who has subscribed to the swing service exceeds the transfer reference amount at regular intervals. To this end, the swing processor 610 determines whether the swing timing has been reached (S101).

When the swing time has been reached, the swing processing unit 610 retrieves the remaining balance of the demand account stored in the demand account information storage unit 310 (S102), and transfers the money stored in the swing service usage information storage unit 320. The reference amount is searched (S103).

Thereafter, the swing processor determines whether the searched balance exceeds the transfer reference amount (S104). If the balance exceeds the transfer threshold amount, the virtual account number of the CMA account designated as the CMA account to be transferred by the customer at the time of joining the swing service is searched using the required account / virtual account mapping database 630 (S105).

Then, on the basis of the retrieved virtual account number and the deposit amount information to be transferred, the deposit request to the securities company system 200 to request to deposit the deposit amount to the CMA account corresponding to the virtual account is transmitted (S106). .

The securities company system 200 receiving the deposit application changes the balance information of the CMA account linked to the virtual account (S107), and transmits the deposit completion response to the swing processing unit 610 (S108).

after. The swing processor 610 changes the balance of the required payment account stored in the required account information storage unit 310 (S109).

5 and 6 illustrate a control flow for providing a method for processing a direct debit according to an embodiment of the present invention.

The debit management server 500 retrieves the debit information of the corresponding date based on the debit information of the debit information storage unit 510 (S201), and automatically transfers the card to the card processing server 400 according to the debit type. Transfer information (S202) or transfer information to the credit processing server 700 (S203).

The card processing server 400 receiving the direct debit information is based on the payment amount stored in the card payment information storage unit 410 of the required payment account stored in the required account information storage unit 310 of the information storage unit 300. The payment process for transferring the card payment amount from the balance is performed (S204). Thereafter, the response to the payment processing transfers to the direct debit management server 500 (S206). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

The credit processing server 700 receiving the direct debit information performs payment processing for transferring the credit payment amount from the balance of the required payment account information storage unit 310 based on the payment amount stored in the credit payment information storage unit 710. (S205). Thereafter, the response to payment processing is transferred to the direct debit management server 500 (S207). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

Thereafter, the direct debit management server 500 determines whether the automatic debit is completed (S208), and receives the lack of information in response to the payment processing, and stores the lack of information in the lack of information storage unit 520 ( S209).

When the customer changes the balance of the demand account, for example, when the customer deposits in the demand account, the direct debit management server 500 informs the card processing server 400 or credit processing server 700 of the customer's deposit information, The payment processing response of the customer is received from the card processing server 400 or the credit processing server 700, and the transfer shortage information stored in the transfer shortage information storage unit 520 is changed.

Referring to the control flow (P1) for the operation when the customer changes the balance of the demand account in more detail, when the customer deposits a certain amount in the demand account (S210), the receiving processing server 800 is the information storage unit 300 The required payment account information storage unit 310 is searched to change the balance information of the required payment account (S211). In addition, the reception processing server 800 transfers the deposit information including the required account number of the customer to the direct debit management server 500.

The direct debit management server 500 receiving the deposit information delivers a delivery confirmation response for the deposit information to the receiving processing server 800, and searches for the existence of the required payment account number in the lack of information storage unit 520. (S214).

If there is insufficient transfer information for the required payment account number in the lack of transfer information storage unit 520, the required payment account number stored in the lack of transfer information storage unit 520 according to the type of automatic transfer of the required payment account number is requested by the card processing server 400 Transfer the payment information including the account number (S216) or transfer the deposit information including the required payment account number to the credit processing server 700 (S217).

The card processing server 400 receiving the payment information performs the payment processing (S218), and transmits a response to the payment processing to the direct debit management server 500 (S220). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

Credit processing server 700 received the payment information performs the payment processing (S219), and transmits a response to the payment processing to the direct debit management server 500 (S220). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

Thereafter, the direct debit management server 500 changes and stores the lack of transfer information stored in the lack of information storage unit 520 based on the response to the payment processing (S222).

That is, when the customer makes a deposit, the automatic transfer management server 500 transmits the customer's deposit information to the card processing server 400 or the credit processing server 700. Then, after the card processing server 400 or the credit processing server 700 performs the payment processing, and transfers the payment processing result back to the direct debit management server 500, the debit management server 500 is the payment processing result Based on the change, the shortage transfer information is changed.

At the time when the customer can change the balance of the demand account passes, the direct debit processing method according to the embodiment of the present invention performs a reverse swing service operation.

6 is a diagram illustrating a method of processing a direct debit at the time when a customer can change the balance of a demand account.

Referring to FIG. 6, the direct debit management server 500 searches for insufficient shortage information stored in the insufficient shortage information storage unit 520 (S223), and swings / reverseswings the processing server 600 with the retrieved shortage information. Transfer to (S224). In this case, the lack of transfer information includes a required account number, a lack of transfer amount, and a type of direct debit.

Swing / reverse swing processing server 600 receiving the transfer shortage information performs the reverse swing service (S225), deposits a certain amount input from the CMA account of the securities company to the customer's demand account, and changes the balance of the demand account. (S226). Then, the swing / reverse swing processing server 600 transfers the balance change information to the direct debit management server 500 (S227). A detailed description of the step S225 of performing the reverse swing service will be described later.

The direct debit management server 500 receives the balance change information, and transfers the balance change information including the required account number to the card processing server 400 according to the type of direct debit stored in the lack of information storage unit 520 ( In step S228, the credit processing server 700 transfers the balance change information including the required payment account number (S229).

The card processing server 400 receiving the balance change information performs payment processing (S230) and transmits a response to the payment processing to the direct debit management server 500 (S231). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

Receiving the balance change information credit processing server 700 performs the payment processing (S232), and transmits a response to the payment processing to the direct debit management server 500 (S233). At this time, the response to the payment processing includes payment completion details or lack of transfer information.

Thereafter, the direct debit management server 500 changes the insufficient transfer information stored in the lack of information storage unit 520 based on the response to the payment processing (S234).

7 is a diagram illustrating a step of performing a reverse swing service in detail.

The reverse swing processing unit 620 receives the lack of transfer information from the direct debit management server 500 (S301), the virtual account of the CMA account specified by the customer corresponding to the required account number included in the lack of transfer information when the reverse swing service subscription Search using the demand account / virtual account mapping database 630 (S302).

Subsequently, the reverse swing processing unit requests a deposit shortage transfer request from the CMA account associated with the virtual account to 'deposit the transfer shortage amount' to the virtual account based on the retrieved virtual account number and the shortage transfer amount. Transfer to the system (S303).

The securities company system searches the balance of the CMA account associated with the virtual account based on the received virtual account number (S304), and determines whether the balance of the CMA account is greater than the insufficient amount (S305).

If the balance of the CMA account is more than the deficit amount, the securities company system transmits the request for deposit of the deficiency amount to the demand account mapped to the virtual account together with the virtual account number and the deficiency amount to the reverse swing processing unit (S306).

The reverse swing processing unit receiving the deposit request changes the balance of the demand account mapped to the virtual account (S307). Thereafter, the reverse swing processing unit transfers the deposit completion response to the securities company system (S308), and transfers the balance change information of the required payment account to the direct debit management server 500 (S310).

The securities company system receiving the deposit completion response changes the balance of the CMA account associated with the virtual account (S309).

On the other hand, if the balance of the CMA account is less than the deficit, the brokerage system will send a reverse swing to the 'send application for deposit of the deficit with the required account mapped to the virtual account' along with the virtual account number and the balance of the current CMA account. Transfer (S311).

The reverse swing processing unit that receives the deposit request changes the balance of the demand account mapped to the virtual account (S312). Thereafter, the reverse swing processing unit transfers the deposit completion response to the securities company system (S313), and transfers the balance change information of the required payment account to the direct debit management server 500 (S315).

The securities company system receiving the deposit completion response changes the balance of the CMA account associated with the virtual account (S316).

According to the swing / reverse swing service according to an embodiment of the present invention, if the balance of the demand account is more than a certain amount (transfer basis amount), the excess amount is transferred to the CMA account, and the required account corresponding to the payment account on the date of direct debit payment If your balance is less than your direct debit amount, your balance will be transferred from your CMA account balance to your required account. This allows the customer to efficiently manage the deposit amount.

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

1 is a diagram conceptually illustrating a swing / reverse swing service according to an embodiment of the present invention.

2 is an overall system configuration for providing a swing / reverse swing service according to an embodiment of the present invention.

3 is a diagram showing the configuration of the swing / reverse swing processing server 600.

4 is a diagram illustrating a control flow for providing a swing service according to an embodiment of the present invention.

5 is a view showing a control flow for providing a direct debit processing method according to an embodiment of the present invention.

6 is a view showing a method for processing a direct debit according to an embodiment of the present invention at the time when a customer can change the balance of a demand account.

7 is a diagram illustrating a step of performing a reverse swing service in detail.

Claims (17)

delete delete delete A direct debit management server that manages the debit amount for the required account of the first financial institution where the direct debit for the card payment is set; A card processing server for performing a payment for the balance of the demand account when the balance of the demand account is less than the debit amount on a payment date; And At the time when the customer cannot change the balance of the demand account, the first amount from the first financial account to the second financial institution, which is associated with the demand account, and whose interest rate or yield is higher than the demand account, is transferred to the demand account. A reverse swing processing server for requesting a deposit of an amount obtained by subtracting the balance of the demand account from the debit amount; The reverse swing processing server, A lack of information input unit for receiving the first amount from the direct debit management server; A retrieval unit associated with the required payment account and retrieving a number of a virtual account for depositing and withdrawing the first account; A deposit request unit requesting the second financial system to deposit the first amount into the virtual account number; And A change information storage unit for receiving the first money amount from the first account with respect to the virtual account number and changing the balance of the first account mapped to the virtual account number; Containing Reverse swing service provision system. delete The method of claim 4, wherein The first account is a reverse swing service providing system, characterized in that the CMA account. delete delete delete delete The reverse swing service providing system, which connects the required payment account of the first financial institution and the first account of the second financial institution, which is set up for automatic payment of at least one of card payment, loan interest, and utility bill, is executed from the first account. In the reverse swing service providing method for transferring the amount of money 1 to the demand account, If the balance of the demand account is less than the amount of direct debit on the payment date, performing the payment for the balance of the demand account; At the time when a customer cannot change the balance of the demand account, the second financial institution transfers the first amount of money from the first account minus the balance of the demand account to the demand account. Requesting a deposit; And Changing the balance information of the demand account when the first amount is received from the second financial institution; The first account is an account having a higher interest rate or a higher yield than the required account. How to provide reverse swing service. The method of claim 11, The step of requesting the deposit, Retrieving a virtual account number that manages deposit and withdrawal of the first account associated with the demand account; And Using the virtual account number, requesting the second financial institution to deposit the first amount from the balance of the first account. The method of claim 12, Changing the balance information of the demand account, Retrieving the demand account mapped to the virtual account number; And And changing balance information of the demand account. 14. The method according to any one of claims 11 to 13, The first account is a reverse swing service providing method, characterized in that the CMA account. delete delete delete

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