KR101468775B1 - Payment system using imagine account, method and apparatus for providing payment in the system - Google Patents

Abstract

The present invention relates to a settlement system using a virtual account, a settlement method in the settlement system, and an apparatus therefor. More particularly, the present invention relates to a settlement system using a virtual account, And more particularly, to a payment system using a virtual account, a payment method in the payment system, and an apparatus therefor. To this end, the payment system using the virtual account according to the present invention includes: a bank server for immediately withdrawing the deposit if there is a deposit deposit request for a predetermined virtual account, a virtual account for the prepayment agent, And a payment server for monitoring the deposit and, if there is a deposit, immediately withdrawing the deposit through the bank server and prepayment processing according to a preset prepayment method.

Description

TECHNICAL FIELD [0001] The present invention relates to a payment system using a virtual account, a payment method in the payment system, and an apparatus therefor. [0002]

The present invention relates to a settlement system using a virtual account, a settlement method in the settlement system, and an apparatus therefor. More particularly, the present invention relates to a settlement system using a virtual account, And more particularly, to a payment system using a virtual account, a payment method in the payment system, and an apparatus therefor.

Credit card prepayment means repayment of the balance of the card before the settlement date. The reason for this prepayment is that most of the cards are approved through quick restoration.

In order to receive such a prepayment, customers can prepay only through Internet banking, customer center, branch office or bank visit. Also, even if you prepay through any method, you can only process the prepayment through complicated procedures such as entering the real name number -> credit card menu -> prepayment menu -> payment type selection.

Therefore, even if the card customers desire to make the prepayment, there is a problem that the prepaid service is not used well due to the inconvenience of complicated procedures.

KR 10-2003-0047632 A KR 10-2009-0002288 A

It is an object of the present invention to provide a settlement system using a virtual account for simplifying a procedure for a prepayment system, a settlement method in the settlement system, and an apparatus therefor .

To this end, the payment system using the virtual account according to the present invention is characterized in that a payment system using a virtual account receives a prepayment request from a customer, registers a virtual account for prepayment, confirms the deposit of the virtual account at predetermined intervals and processes the prepayment request Payment server; And a bank server for receiving the deposit deposit withdrawal request according to the prepayment request from the payment server, withdrawing the deposit for the prepayment agent, and transmitting the payment confirmation message to the payment server.

A settlement apparatus in a payment system using a virtual account according to the present invention comprises a database for storing at least one virtual account registered for prepayment, a data transmission / reception unit for transmitting / receiving data for performing a settlement service, Monitoring a virtual account and requesting a bank server to withdraw a deposit from the virtual account through the data transmission / reception unit if the virtual account has a deposit, and receiving a withdrawal confirmation message through the data transmission / reception unit, the prepayment management unit prepares the prepayment according to a pre- .

A settlement apparatus in a payment system using a virtual account according to the present invention comprises a database for storing at least one virtual account registered for prepayment, a data transmission / reception unit for transmitting / receiving data for performing a settlement service, The data transmission / reception unit requests the bank server to confirm the deposit of the virtual account. If the deposit account information is received through the data transmission / reception unit, it checks whether the deposit account information is larger than the planned payment amount. And a prepayment management unit for prepaying the money in accordance with a predetermined prepayment system using the deposited deposit when receiving the payment confirmation message through the data transmission / reception unit.

In addition, the prepayment management unit in the payment apparatus according to the present invention inspects whether or not the prepayment information is larger than the scheduled payment amount. If the deposit amount is smaller than the scheduled payment amount, the prepayment management unit requests the deposit / withdrawal to the bank server through the data transmission / Upon receipt of the deposit deposit confirmation message, the prepayment processing is performed in accordance with a predetermined prepayment method using the deposited deposit.

A method of payment in a payment system using a virtual account according to the present invention comprises the steps of registering a virtual account for a prepayment according to a request of a customer, monitoring a virtual account at preset intervals, and if a virtual account has a deposit, Requesting a withdrawal of a deposit from the server; and receiving a payment confirmation message from the bank server, performing a prepayment according to the prepayment method using the deposited deposit.

A method of payment in a payment system using a virtual account according to the present invention comprises the steps of registering a virtual account for a prepayment according to a request of a customer, monitoring a virtual account at preset intervals, and if a virtual account has a deposit, Checking whether an amount of the deposit is greater than a predetermined amount to be paid by the server; requesting a bank server to make a withdrawal request for a predetermined amount if the amount of deposit is larger than a predetermined amount; When the payment confirmation message is received, performing a prepayment according to the prepayment method using the deposited deposit.

According to another aspect of the present invention, there is provided a settlement method comprising the steps of: requesting a bank server to withdraw a deposit from a bank server if the settlement amount is less than a predetermined amount after the inspecting process; if the withdrawal confirmation message is received from the bank server, And a step of performing a prepayment according to a method.

As described above, according to the present invention, when there is a deposit in the virtual account for the prepayment agent, it is determined that the customer is the prepayment intention and the prepayment is made immediately after the withdrawal, thereby simplifying the procedure for the prepayment.

The present invention has the effect of reducing the workload of the bank employee and the customer center staff since the customer does not need to directly come to the bank window or ask the customer center for the prepayment.

In addition, as the process for the prepayment process is simplified, the prepaid transaction is activated and the credit card debt collection period can be shortened.

1 is a schematic configuration diagram of a payment system using a virtual account according to an embodiment of the present invention;
2 is an internal configuration diagram of a payment server according to an embodiment of the present invention;
3 is a signal flow diagram illustrating an operation of a payment system using a virtual account according to a first embodiment of the present invention.
4A and 4B are a signal flow diagram illustrating an operation of a payment system using a virtual account according to a second embodiment of the present invention;

 Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

First, a payment system using a virtual account according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of a payment system using a virtual account according to an embodiment of the present invention.

Referring to FIG. 1, a payment system using a virtual account may include a bank server 100 and a payment server 120 connected through a communication network 110.

The bank server 100 is a server operated by a bank, which manages a customer's account, and performs financial transactions such as transfer of accounts, deposits, and the like.

The bank server 100 immediately withdraws the deposit if there is a deposit deposit request for a predetermined virtual account from the payment server 120 and transmits the withdrawal confirmation message to the payment server 120 through the communication network 110. [

The payment server 120 is a server operated by a credit card company. If there is a prepayment request from the customer 130, the payment server 120 gives the virtual account for the prepayment to the customer 130, and registers the virtual account assigned thereto. In addition, the payment server 120 accesses the bank server 100 every predetermined period, monitors the deposit of the registered virtual account, and if there is a deposit, the bank server 100 immediately withdraws the deposit. The payment server 120 preprocesses the deposited deposit in accordance with a prepayment system preset in advance.

The internal structure of the payment server 120 according to the embodiment of the present invention will be described in detail with reference to FIG. 2 in the payment system using the virtual account configured as described above.

2, the payment server 120 may include a data transmission / reception unit 200, a virtual account management unit 202, a prepayment management unit 204, and a database 206.

The data transmitting and receiving unit 200 immediately sends the withdrawal request for data and deposits for deposit monitoring of the virtual account, and receives the withdrawal confirmation message and transfers the withdrawal confirmation message to the prepayment management unit 204.

If there is a request for a prepayment from the customer 130, the virtual account management unit 202 assigns a virtual account for prepayment, registers the virtual account and stores the registered virtual account in the database 206.

The prepayment management unit 204 monitors the virtual account through the bank server 100, and if there is a deposit deposited in the virtual account, the prepayment management unit 204 immediately manages the withdrawal and prepayment of the deposit. In the embodiment of the present invention, two examples will be described depending on how the prepayment system is to be withdrawn.

The first embodiment is a method in which all the deposits are paid out to the virtual account and used for the prepayment. In the second embodiment, if there is a deposit in the virtual account, once the amount to be paid is compared with the deposit, , It is a method of withdrawing only the amount to be paid and using it for the prepayment agent.

Next, the prepayment agent management unit 204 according to the first embodiment will be described.

The prepayment management unit 204 monitors a virtual account at predetermined intervals and requests a deposit to the bank server through the data transmission / reception unit 200 if there is a deposit in the virtual account.

Also, the prepayment management unit 204 prepares the prepayment process according to a predetermined prepayment method using the deposit when the payment confirmation message is received through the data transmission / reception unit 200. [ At this time, the predetermined prepayment method is a method of prepaying the prepayment amount by deducting the deposited deposit from the payment amount of the customer of the virtual account, the method of prepayment in the order of purchase, and the method of prepayment in the order of the product group selected by the customer . However, the prepayment method according to the present invention is not limited to this, but may be changed according to the setting.

Next, the prepayment agent management unit 204 according to the second embodiment will be described.

The prepayment management unit 204 requests the bank server to confirm the deposit of the virtual account through the data transmission / reception unit 200 every preset period.

After receiving the deposit information through the data transmission / reception unit 200, the prepayment management unit 204 checks whether the prepayment amount is greater than the scheduled payment amount. If there is more deposit than the planned amount of money, the prepayment management unit 204 requests the bank server to withdraw only the amount to be settled through the data transmission / reception unit 200. If the deposit amount is less than the planned payment amount, Ask the bank server to withdraw the deposit.

Thereafter, when the payment confirmation message is received through the data transmission / reception unit 200, the prepayment management unit 204 performs prepayment processing in accordance with the prepayment method set in advance using the deposited deposit. At this time, the pre-set preprogramming method is the same as that described in the first embodiment.

On the other hand, if there is a balance remaining after the prepayment processing according to the first embodiment and the second embodiment, the prepayment manager 204 manages the balance according to a preset balance management method. In this case, the balance management method can be set to any one of a method of managing the remaining balance to be re-deposited to the virtual account, a method of managing the remaining balance to be re-deposited to the payment account of the customer, and a method of maintaining the remaining balance There will be. This is not limited to the balance management method described above, but may be changed depending on the setting.

The database 206 stores data necessary for the prepayment process according to the embodiment of the present invention. In particular, the database 206 stores at least one virtual account registered for prepayment, stores periodic information for auditing a virtual account, and stores a prepayment method and balance management method. The storage unit 220 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

Hereinafter, a method for processing a prepayment agent in a prepayment system using a virtual account configured as described above will be described in detail with reference to FIGS. 3, 4A, and 4B.

3 is a signal flow diagram illustrating an operation of a payment system using a virtual account according to the first embodiment of the present invention.

First, the payment server 120 registers a virtual account for the prepayment according to the request of the customer (S302)

Thereafter, the payment server 120 requests the confirmation of the deposit of the virtual account through the bank server 100 every predetermined period, and confirms whether there is a deposit when the deposit information is transmitted from the bank server 100. (S304 to S308 )

If there is a deposit in the virtual account, the payment server 120 requests the bank server 100 to deposit the virtual account (S310)

Thereafter, when the payment confirmation server 120 receives the withdrawal confirmation message from the bank server 100, the payment server 120 preprocesses the withdrawal payment in accordance with a predetermined prepayment method using the deposited deposit (S312, S314)

If there is a balance remaining after the prepayment processing, the payment server 120 processes the balance in accordance with a preset balance management method (S316, S318)

4A and 4B are signal flow diagrams illustrating an operation of a payment system using a virtual account according to a second embodiment of the present invention.

First, referring to FIG. 4A, the payment server 120 registers a virtual account for the prepayment according to a request of the customer (S400)

Thereafter, the payment server 120 requests the confirmation of the deposit of the virtual account through the bank server 100 every predetermined period, and checks if the deposit information is transmitted from the bank server 100 to check whether the deposit is larger than the payment amount. (S402 to S406)

If it is determined that the deposit is larger than the scheduled payment amount, the payment server 120 requests the bank server 100 to withdraw as much as the scheduled payment amount (S408)

However, if the expected amount of payment is more than the deposit amount, the process proceeds to the step A. The steps after Step A will be described with reference to FIG. 4B.

In step S412, when the payment server 120 receives the payment confirmation message from the bank server 100, the payment server 120 performs the prepayment according to the prepayment method using the deposited deposit, that is,

Referring to FIG. 4B, the payment server 120 requests the bank server 100 to withdraw the deposit, and when the withdrawal confirmation message is received from the bank server 100, the payment server 120 processes the prepayment according to the prepayment method using the deposited deposit (S418 to S422)

If there is a balance remaining after the prepayment processing, the payment server 120 processes the balance according to a predetermined balance management method (S424, S426)

3 and 4A and 4B, the prepayment system and the balance management system have been described with reference to FIG. 1, and a detailed description thereof will be omitted.

Meanwhile, the payment method using the virtual account described above can be implemented in a software program and recorded in a predetermined recording medium readable by a computer.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

In this case, a program recorded on a computer-readable recording medium may include a process of registering a virtual account for the prepayment according to a customer's request, a process of monitoring a virtual account at predetermined intervals, a bank server A payment method using a virtual account including a step of performing a prepayment according to a prepayment method using a deposited deposit when receiving a payment confirmation message from a bank server in a process of requesting a deposit withdrawal can be executed.

A program recorded on a computer-readable recording medium may include a process of registering a virtual account for a prepayment request at the request of a customer, a process of monitoring a virtual account at preset intervals, and a process of monitoring a virtual account by a bank server A process of checking the amount of the deposit, a process of checking whether the confirmed deposit is larger than the planned payment amount, a process of requesting the withdrawal by the bank server if the deposit is larger than the scheduled payment amount, A prepayment method in accordance with a prepayment method using a withdrawn deposit, a step of requesting a bank server to withdraw a deposit, if a deposit is less than a scheduled payment amount as a result of an inspection after the inspection process, Depending on the prepayment method using the deposited deposit You can run a virtual account payment method comprising the step of performing the payment.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: bank server 110: communication network
120: Payment server 130: Customer
200: data transmission / reception unit 202: virtual account management unit
204: prepayment management unit 204: database

Claims (22)

A payment server for receiving a prepayment request from a customer, registering a virtual account for prepayment, confirming the deposit of the virtual account at preset intervals, and processing the prepayment request; And
A bank server for receiving the deposit deposit withdrawal request from the payment server in response to the prepayment request, withdrawing the deposit for the prepayment agent, and transmitting the payment confirmation message to the payment server;
Lt; / RTI >
The payment server,
Monitors the virtual account at the preset period and requests deposit to be withdrawn to the bank server if there is a deposit in the virtual account, and prepayment processing is performed in accordance with a prepayment method preset using a deposit upon receipt of the withdrawal confirmation message,
If the predetermined prepayment system is a prepayment system in the order of purchase date, the prepayment system prepares the prepayment system from the item with the quickest purchase date. If the predetermined prepayment system is the prepayment system in the order of the product group selected by the customer, And prepayment processing is performed on the items of the selected product group. A database for storing at least one virtual account registered for prepayment;
A data transmission / reception unit for transmitting / receiving data for performing a payment service;
Monitors the virtual account at a predetermined period and requests deposit account withdrawal from the bank server through the data transmission / reception unit if the virtual account has a deposit, and upon receipt of the withdrawal confirmation message through the data transmission / reception unit, And a prepayment management section for prepayment processing according to the pre-
In the case where the preset prepayment method is a prepayment method in the order of purchase date, the prepayment agent management section prepares a prepayment item from the item with the quickest purchase date, and if the predetermined prepayment method is prepaid in the order of the product group selected by the customer, And preprocesses the item of the product group selected to be prepaid by the preprocessing unit. 3. The method according to claim 2, wherein the predetermined pre-
A method of deducting a deposited deposit from a payment amount of a customer of the virtual account in advance, a method of prepayment in order of purchase, and a method of prepayment in the order of a product group selected by the customer. The method of claim 3,
A virtual account manager for storing a virtual account for a prepayment agent from a customer in the database;
And the payment device. 4. The apparatus according to claim 3,
And if there is a balance remaining after the prepayment, the remaining amount is managed according to a preset balance management method. 6. The method according to claim 5,
A method of managing the remaining balance to be re-deposited in the virtual account, a method of managing the remaining balance to be re-deposited to the settlement account of the corresponding customer, or a method of maintaining the remaining balance. . A database for storing at least one virtual account registered for prepayment;
A data transmission / reception unit for transmitting / receiving data for performing a payment service;
The data transmission / reception unit requests the bank server to confirm the deposit of the virtual account every predetermined period, and checks whether the deposit account information is larger than the scheduled payment amount when the deposit information is received through the data transmission / reception unit. And a prepayment management unit that prepares payment for only a predetermined amount of money to the bank server via the bank server and prepayment processing in accordance with a predetermined prepayment method using a deposited deposit when the payment confirmation message is received through the data transmission /
In the case where the preset prepayment method is a prepayment method in the order of purchase date, the prepayment agent management section prepares a prepayment item from the item with the quickest purchase date, and if the predetermined prepayment method is prepaid in the order of the product group selected by the customer, And preprocesses the item of the product group selected to be prepaid by the preprocessing unit. 8. The apparatus according to claim 7,
And if the deposit is less than the predetermined amount of payment, the deposit / withdrawal unit requests the deposit / withdrawal to the bank server through the data transmission / reception unit, and when the deposit / withdrawal confirmation message is received through the data transmission / And prepayment processing is performed in accordance with a pre-set prepayment system using a deposit. The method as claimed in claim 7 or 8, wherein the predetermined pre-
A method of deducting a deposited deposit from a payment amount of a customer of the virtual account in advance, a method of prepayment in order of purchase, and a method of prepayment in the order of a product group selected by the customer. 10. The apparatus according to claim 9,
And if there is a balance remaining after the prepayment, the remaining amount is managed according to a preset balance management method. 11. The method according to claim 10,
A method of managing the remaining balance to be re-deposited in the virtual account, a method of managing the remaining balance to be re-deposited to the settlement account of the corresponding customer, or a method of maintaining the remaining balance. . Registering a virtual account for the prepayment according to the customer's request;
Monitoring the virtual account at preset intervals;
Requesting a bank server to withdraw a deposit if the virtual account has a deposit;
Receiving a withdrawal confirmation message from the bank server and performing a prepayment according to a predetermined prepayment method using a deposited deposit,
The process of performing the prepayment according to a preset prepayment method may include:
If the predetermined prepayment system is a prepayment system in the order of purchase date, the prepayment system prepares the prepayment system from the item with the quickest purchase date. If the predetermined prepayment system is the prepayment system in the order of the product group selected by the customer, And preprocessing the item from the item of the selected product group. 13. The method of claim 12, wherein the predetermined pre-
A method of prepaying the prepaid amount by deducting the transferred deposit from the prepaid amount of the customer of the virtual account, a method of prepayment in the order of purchase, and a method of prepayment in the order of the product group selected by the customer. 14. The method of claim 13,
Managing the balance according to a predetermined balance management method if there is a remaining balance after the prepayment;
Further comprising the steps of: 15. The method according to claim 14,
A method of managing the remaining balance to be re-deposited in the virtual account or a method of managing the remaining balance to be re-deposited to the settlement account of the customer or a method of maintaining the remaining balance .  A computer-readable recording medium having recorded thereon a program for executing the method according to any one of claims 12 to 15. Registering a virtual account for the prepayment according to the customer's request;
Monitoring the virtual account at preset intervals;
Checking the amount of the deposit through the bank server if the virtual account has a deposit;
Checking whether the confirmed deposit is larger than the planned payment amount;
A step of requesting the bank server to make a withdrawal request to the bank server if the amount of the deposit is larger than the expected amount of payment;
And performing a prepayment according to a predetermined prepayment method using a deposited deposit when the withdrawal confirmation message is received from the bank server,
The process of performing the prepayment according to a preset prepayment method may include:
If the predetermined prepayment system is a prepayment system in the order of purchase date, the prepayment system prepares the prepayment system from the item with the quickest purchase date. If the predetermined prepayment system is the prepayment system in the order of the product group selected by the customer, And preprocessing the item from the item of the selected product group. 18. The method of claim 17,
A step of requesting the bank server to withdraw the deposit if the deposit is less than the scheduled payment amount after the inspection process;
Performing a prepayment according to a prepayment method using a withdrawn deposit when a withdrawal confirmation message is received from the bank server;
Further comprising the steps of: 18. The method of claim 17, wherein the predetermined pre-
A method of prepaying the prepaid amount by deducting the transferred deposit from the prepaid amount of the customer of the virtual account, a method of prepayment in the order of purchase, and a method of prepayment in the order of the product group selected by the customer. 20. The method of claim 19,
Managing the balance according to a predetermined balance management method if there is a remaining balance after the prepayment;
Further comprising the steps of: 21. The method according to claim 20,
A method of managing the remaining balance to be re-deposited in the virtual account or a method of managing the remaining balance to be re-deposited to the settlement account of the customer or a method of maintaining the remaining balance . A computer-readable recording medium storing a program for executing the method according to any one of claims 17 to 19.

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