KR101604656B1 - System for consenting settlement and automacic transfer - Google Patents

Abstract

A token issuing unit for issuing a token for a callback to a payment terminal corresponding to the input terminal identification number; An acquiring unit for acquiring settlement information and personal information from the payment agent terminal when owning the issued token and calling back, an authentication unit for processing the identity verification of the acquired payment information and the personal information, and, when the authentication is completed, And a registration unit for registering automatic settlement associated with the terminal.

Automatic payment, terminal identification number, payment information, automatic transfer, automatic transfer consent, automatic transfer termination,

Description

SYSTEM FOR CONSENTING SETTLEMENT AND AUTOMATIC TRANSFER

The present invention relates to a system for automatic transfer and settlement.

In recent years, due to the desire of users seeking convenience and efficiency, "automatic transfer service" in which a bank is automatically transferred to a relevant bank without visiting the bank every month for financial transactions such as payment of bills and management fees .

The automatic transfer service is a method in which the bank withdraws a certain amount of money from the account of the payer each month and automatically deposits the money into the deposit account of the payer designated by the payer by the withdrawal consent form. In recent years, card companies have also provided card-based automatic payment services, which provide a service for automatically paying a certain amount of money on a payment date on a monthly payment basis. Therefore, the payer has the advantage that he does not have to worry about the amount that must be paid each month.

However, if small-scale small businesses such as milk delivery and newspaper delivery recommend a direct debit service to the payer, the payer will use the automatic debit service to worry that his / her payment information may be leaked to the outside I have a feeling of loneliness. This is because small-scale small businesses expect less security of payment information than large-scale companies.

This is because, when applying for a direct debit service, the payer shall pay personal information including name, resident registration number, contact information, address, custom identification number, authentication password for use of identification number, and payment information including account number or card number This is because we can not trust the security and safeguard measures in handling the personal information of the small businesses regarding the personal information and payment information of the payer. In addition, recently, the hacking of internet sites has increased the damage of personal information leakage, so there is a reason why the seriousness of leakage of personal information becomes an issue.

Therefore, there is a need for a method of providing a small amount of money to a small company to provide a direct debit service without having to acquire payment information for a direct payment service from a small business directly.

One embodiment of the present invention is to solve problems such as the leakage and theft possibility due to the negligence of the management of the personal information generated by the direct processing of the written consent of the payer who has applied for automatic payment and automatic settlement and the inefficiency of the written agreement In order to improve the system, it is possible to securely acquire the personal information and payment information of the payment person using the unique identification number of the payment agent terminal, for example, the telephone number or the PIN number or the unique number on the communication, Provide a consent system.

In an embodiment of the present invention, a token that can be authenticated in a callback is transmitted to a payer's terminal requesting automatic debit and settlement, a check is made as to whether normal processing is possible through the transmitted token, It does not need to manage information and personal information, so it provides a system of automatic transfer and settlement of consent, which provides advantages of freedom of privacy and related laws and simplification of work.

The automatic payment and settlement consent system according to an embodiment of the present invention includes a request unit for receiving a terminal identification number of a waiting queue from a receiver terminal in response to a request for automatic transfer / settlement, An acquiring unit for acquiring the payment information and the personal information from the payment agent terminal when owning the issued token and issuing a callback, a personal information acquiring unit for acquiring the payment information and the personal information And a registering unit for registering an automatic settlement associated with the payment agent terminal when the authentication is completed.

According to an embodiment of the present invention, if the customer only knows the public contact of the jointly-agreed terminal, the electronic financial institution directly receives the payment information of the payment person through the token and the authentication registration process, You can raise it.

According to the embodiment of the present invention, the monthly account transfer and the automatic settlement are preferred by non-profit organizations that operate small-sized business sites and members in various omnibus operations of the bank, On behalf of companies that have difficulty in preemptive measures or smooth customer response, it is possible to protect the property and personal information of customers who use electronic financial services and to ensure financial safety.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings and accompanying drawings, but the present invention is not limited to or limited by the embodiments.

In the present invention, the payer is a consumer who has to pay a certain amount, and the payer may be a seller who has to pay a certain amount of money.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a connection relationship between a payment agent terminal, a receiver terminal and an authentication system according to an embodiment of the present invention; FIG.

As shown in the figure, when the payer submits a "automatic transfer / settlement" to the recipient, the recipient requests the automatic payment and settlement consent system 100 through the payer terminal 120 to perform the automatic payment registration agent associated with the payer . The payment person provides the terminal identification number of the payment agent terminal 110 to the receiver and the receiver terminal 120 transmits the terminal identification number to the automatic payment and payment consent system 100 Thereby requesting an automatic payment registration agent associated with the payment person. For example, the terminal identification number may be a telephone number or a PIN number or a unique number on a communication. Hereinafter, the terminal identification number will be described as a telephone number.

The automatic payment and settlement agreement system 100 can process authentication for the payer terminal 110 by transmitting the transmitted terminal identification number to the communication company 130. [ The communication company 130 can authenticate the payer terminal 110 by checking whether the transmitted terminal identification number is valid and transmit the authentication processing result to the automatic payment and settlement system 100. [

If the authentication result is 'successful', the automatic payment and payment agreement system 100 issues a token for callback to the payer terminal 110 corresponding to the terminal identification number, The payment agent terminal 110 can acquire payment information and personal information. The payment information may include an account number, a bank, a depository, or a card number, an expiration date, and an authentication code. In addition, the personal information may include a name, a resident registration number, contact information, an address, a user identification number, and an authentication password for use of the identification number.

Alternatively, the automatic payment and settlement system 100 may acquire recording data together with payment information and personal information. The voice recording data may be a voice of a payer who agrees on 'automatic transfer / settlement'.

The automatic payment and settlement system 100 processes identity verification of the entered payment information and personal information. When the payment information is related to 'bank', the automatic payment and payment agreement system 100 may process the payment information by transmitting the payment information to the bank company 140. Alternatively, when the payment information is related to the 'card', the automatic payment and payment agreement system 100 may process the payment information by transmitting the payment information to the card company 150.

When the authentication of the payment information is completed, the automatic payment and payment agreement system 100 registers the automatic payment associated with the payment agent terminal 110. For example, the automatic payment and payment agreement system 100 stores the payer number, the identification number (the resident registration number of the payer) and the payment information in association with the payer terminal 110, You can register your payment.

Thereafter, the payer terminal 110 may request 'withdrawal of consent' for the automatic payment registered in the automatic payment and payment consent system 200. The automatic payment and settlement system 100 obtains a first caller identification number from the payment agent terminal 110 in response to a request for withdrawal of consent and transmits the automatically registered first caller identification number to the automatic We cancel payment.

Alternatively, the automatic payment and settlement system 100 obtains the terminal identification number of the payment terminal performing the agreement procedure in response to the request for withdrawal of consent, and proceeds to withdraw the consent when the registered terminal identification number is identical. At this time, when the terminal identification number is changed and the existing terminal identification number can not be used, the automatic payment and payment agreement system 100 deletes the personal information and the payment information associated with the past terminal identification number based on the current terminal identification number And can withdraw consent.

2 is a diagram illustrating a configuration of a system for automatic payment and settlement according to an embodiment of the present invention.

As shown, the automatic payment and payment agreement system 200 according to an embodiment of the present invention includes a request unit 201, a terminal authentication unit 202, a token issuing unit 203, an acquiring unit 204, A receiving unit 206, a generating unit 207, a registering unit 208, a determining unit 209, and a canceling unit 210.

The requesting unit 201 receives the terminal identification number of the waiting queue from the receiver terminal 120 in response to the request for automatic transfer / settlement. When the payer requests the "automatic transfer / settlement" to the payer, the payer transfers the telephone number of the payer terminal 110 to the request unit 201 as the terminal identification number through the payer terminal 120, And may request an associated automatic payment registration agent.

The terminal authentication unit 202 transmits the received terminal identification number to the communication company 130, receives the authentication processing result for the transmitted terminal identification number from the communication company 130, 0.0 > 110 < / RTI > The communication company 130 can authenticate the payer terminal 110 by checking whether the terminal identification number is valid and whether the payer identification number associated with the terminal identification number is valid.

If the authentication processing result is 'successful', the token issuing unit 203 issues a token for callback to the payer terminal 110 corresponding to the received terminal identification number. The token can be verified at the callback time by the payment agent terminal 110 and can confirm whether or not normal processing is possible. Also, the token may include a callback URL for providing a payment information input page for inputting payment information, or a callback URL for providing a personal information input page for inputting personal information.

The acquiring unit 204 acquires the payment information and the personal information from the payment agent terminal 110 when it owns the issued token and calls back. The payment agent terminal 110 may enter payment information after moving to the payment information input page through the transmitted token, or may enter personal information after moving to the personal information input page. In addition, the acquiring unit 204 can acquire recording data together with payment information and personal information. The voice recording data may be a voice of a payer who agrees on 'automatic transfer / settlement'.

3 is a diagram illustrating an example of a callback message transmitted from the automatic payment and payment agreement system according to an embodiment of the present invention.

As shown, the automatic payment and settlement system 200 transmits a callback message 310 including a token to the payment terminal 110. The callback message 310 may include a request for a subscriber to submit an automatic payment subscription in XX, and to select 'confirm' to complete the subscription application. Accordingly, in the payer terminal 110, '1. , The automatic payment and payment agreement system 200 may provide the payment information input page 320 related to the 'bank' or the payment information input page 330 related to the 'card' .

The automatic payment and payment consent system 200 receives an identification number 890422 through ******* from the payment agent terminal 110 through the payment information input page 320 associated with the bank and an account number 123-456 -7890), bank (OO bank), account holder (Hong Gil-dong).

Alternatively, the automatic payment and payment consent system 200 receives an identification number (890422 - *******), a card number (159) from the payment agent terminal (110) through the payment information input page (330) 632-1478), the validity period 201509, and the authentication code 781. [0157]

Alternatively, although not shown, the acquiring unit 204 may acquire 'personal information' including a name, a resident registration number, contact information, an address, a user-specified identification number, and an authentication password for use of the identification number from the payment agent terminal 110 have.

The authentication unit 205 processes the identity verification of the obtained payment information and personal information. To this end, the authentication unit 205 transmits the obtained payment information to the bank company 140 or the card company 150. [ The bank company 140 or the credit card company 150 authenticates whether the payment information is valid and transmits the authentication processing result to the authentication unit 205. [ Accordingly, the authentication unit 205 can process authentication for the payment information in accordance with the authentication processing result. Also, the authentication unit 205 can process identity verification of personal information using the resident registration number included in the acquired personal information.

If the authentication processing result is 'successful', the receiving unit 206 receives the first password from the receiver terminal 120 and receives the second password from the payment agent terminal 110. For example, the automatic debit and payment consent system 200 may request a password from the payee terminal 110 and the payee terminal 110, and may receive the first and second passwords upon request. The first secret may be selected by the acceptor terminal 120 and the second secret may be unique by the subscriber terminal 110.

The generating unit 207 generates the payment agent number by combining the received first password and the second password. The payer number is a unique number, such as a membership number, and is different according to the payer terminal 110. For example, the first password is 3 digits in English and the second password is 4 digits in number. Accordingly, the generating unit 207 can generate the subscriber number using 7 digits alphanumeric digits.

The registration unit 208 can register the automatic payment associated with the payment terminal 110 by storing the payment number, the terminal identification number, and the payment information in association with the payment payer terminal 110 in the database.

Alternatively, the reception unit 206 receives the first password designated by the payment person from the payment person terminal 120, and receives the second password from the payment person terminal 110. [ The authentication unit 205 authenticates the payment person using the received first password and the second password, and the generation unit 207 can generate the payment person number in association with the success result from the authentication unit 205 .

4 is a diagram illustrating an example of a database included in the automatic payment and payment settlement system according to an embodiment of the present invention.

As shown, the database includes a payee's number, an identification number, a terminal identification number, and payment information. The payer number is composed of 7 digits alphanumerics including a first password and a second password, and may be 'ABC0369', 'DEF1234', or 'ZXC0987', for example. The identification number is a resident registration number of the payment person and the terminal identification number is a telephone number of the payment agent terminal 110. The payment information includes an account number related to 'bank', a bank, a depository card, Number, expiration date, and authorization code.

The registering unit 208 may notify the payer terminal 110 or the payer terminal 120 that automatic payment registration of the payer terminal 110 has been completed after registering the automatic payment of the payer terminal 110 in the database .

Thereafter, the payer terminal 110 may call the automatic payment and settlement consent system 200 to request 'withdrawal of consent' from the registered automatic payment. The revocation unit 210 obtains the first caller identification number from the payment agent terminal 110 in response to the request for revocation of consent, and cancels the registered automatic payment using the acquired first caller identification number. The first caller identification number is a Caller Identification (CID), and can be acquired when the payer terminal 110 calls the automatic payment and payment consent system 200.

The determination unit 209 determines whether the acquired first caller identification number is the same as the terminal identification number of the payment agent terminal 110 stored in the database. As described above, the terminal identification number is a phone number of the payer terminal 110, and the determination unit 209 compares the first caller identification number with the terminal identification number, 110 and the payee terminal 110 of the terminal identification number stored in the database are the same.

As a result of the determination, if the payment information is identical, the revocation unit 210 may delete the payment number, the identification number, the terminal identification number, and the payment information stored in the database in association with the payment agent terminal 110.

However, if the determination result is negative, the revocation unit 210 requests the payment agent terminal 110 for the second caller identification number. The second caller identification number is a telephone number used by the payer terminal 110 to register the automatic payment in the automatic payment and settlement consent system 200. That is, if the telephone number of the payer subscriber terminal 110 is changed, and the telephone number of the payer subscriber terminal 110 that requested the withdrawal of consent is different from the terminal identification number stored in the database, A second caller identification number may be requested. Accordingly, if the received second caller identification number is identical to the terminal identification number stored in the database, the revocation unit 210 transmits the payment number, the identification number, the terminal identification number, The payment information can be deleted.

Alternatively, the revocation unit 210 acquires the terminal identification number (first caller identification number) of the payment terminal that has performed the agreement procedure in response to the request for withdrawal of consent, and if the registered terminal identification number is identical, Go ahead. However, when the terminal identification number is changed and the existing terminal identification number can not be used, the revocation unit 210 receives authentication of the authentication unit 205 based on the current terminal identification number (first caller identification number) The personal information and the payment information associated with the terminal identification number (the second caller identification number) can be deleted, and the withdrawal of consent can be performed.

FIG. 5 is a flowchart illustrating a procedure for registering an automatic payment for a payment agent terminal in the automatic payment and payment settlement system according to an exemplary embodiment of the present invention.

As shown in the figure, in step 501, the payer terminal 110 requests the 'automatic payment / settlement' to the payer terminal 120. At this time, the payer terminal 110 provides the terminal identification number, which is the telephone number of the payer terminal 110, to the payer terminal 120.

In step 502, the receiver terminal 120 can request the automatic payment registration agent associated with the payment agent terminal 110 by transmitting the terminal identification number to the automatic payment and settlement system 200.

In step 503, the automatic payment and settlement agreement system 200 can process authentication for the payer terminal 110 by transmitting the transmitted terminal identification number to the authentication system. Here, since the authentication system must authenticate the payment agent terminal 110, it may be a 'communication company'.

If the authentication result is 'successful', in step 504, the automatic payment and settlement system 200 transmits a callback message including a token for callback to the payer terminal 110 corresponding to the terminal identification number . The callback message may include a callback URL for providing a payment information input page for inputting payment information or a callback URL for providing a personal information input page for inputting personal information.

In step 505, when the payer terminal 110 owns the transferred token and calls back, the payment payer terminal 110 may move to the payment information input page, and then enter payment information and personal information. The payment information may include an account number, a bank, a depository, or a card number, an expiration date, and an authentication code. The personal information may include a name, a resident registration number, contact information, an address, a user-specified identification number, and an authentication password for use of the identification number.

In step 506, the automatic payment and payment agreement system 200 processes the identification of the entered payment information and personal information in cooperation with the authentication system. Here, the authentication system may be a 'bank company' or a 'card company' because it has to authenticate the payment information. For example, the automatic payment and settlement system 200 transmits the payment information to the authentication system, receives the authentication processing result for the payment information from the authentication system, and stores the received payment information in accordance with the authentication processing result It can handle authentication for.

When the authentication is completed, in step 507, the automatic payment and payment agreement system 200 registers automatic payment associated with the payment agent terminal 110. For example, the automatic payment and settlement agreement system 200 registers an automatic payment associated with the payment agent terminal 110 by storing the payment agent number, identification number, terminal identification number, and payment information in the database in association with the payment agent terminal 110 (See FIG. 4).

After the automatic payment is registered, in step 508, the automatic payment and payment consent system 200 notifies the acceptance terminal 120 of the completion of the automatic payment registration.

Accordingly, automatic payment service between the payment agent terminal 110 and the payment terminal 120 can be performed.

6 is a flowchart illustrating a procedure for canceling an automatic payment for a payment agent terminal in a debit and pay system according to an exemplary embodiment of the present invention.

As shown in the figure, in step 601, the payer terminal 110 may request 'withdrawal of consent' for automatic payment registered in the automatic payment and payment consent system 200.

In step 602, the automatic payment and settlement system 200 acquires a first caller identification number from the payee terminal 110 in response to a request for withdrawal of consent, and the acquired first caller identification number is stored in the database It is determined whether the terminal identification number of the terminal 110 is the same as the terminal identification number of the terminal 110. The first caller identification number is a CID, and can be obtained when the payer terminal 110 calls the automatic payment and payment consent system 200.

If the result of the determination is not the same, in step 603, the automatic payment and settlement system 200 requests the payment agent terminal 110 for the second caller identification number. For example, when the telephone number of the payer subscriber terminal 110 is changed and the telephone number of the payer subscriber terminal 110 requesting revocation is different from the terminal identification number stored in the database, the automatic payment and settlement subscription system 200 transmits the automatic payment And may request a second caller identification number, which is the telephone number used to register.

In step 604, the payer terminal 110 transmits the second caller identification number to the debit and payment consent system 200 according to the request.

In step 605, the debit and payment consent system 200 determines whether the received second caller identification number is the same as the terminal identification number associated with the payer terminal 110 stored in the database.

As a result of the determination, if the same determination is made, the automatic payment and settlement system 200 can cancel the registered automatic payment at step 606. To this end, the automatic payment and settlement system 200 may delete the payment agent number, the identification number, the terminal identification number, and the payment information stored in the database in association with the payment agent terminal 110.

Accordingly, the automatic transfer service between the payer subscriber terminal 110 and the payer terminal 120 can be canceled.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the equivalents of the claims and the claims.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram illustrating a connection relationship between a payment agent terminal, a receiver terminal and an authentication system according to an embodiment of the present invention; FIG.

2 is a diagram illustrating a configuration of a system for automatic payment and settlement according to an embodiment of the present invention.

3 is a diagram illustrating an example of a callback message transmitted from the automatic payment and payment agreement system according to an embodiment of the present invention.

4 is a diagram illustrating an example of a database included in the automatic payment and payment settlement system according to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating a procedure for registering an automatic payment for a payment agent terminal in the automatic payment and payment settlement system according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating a procedure for canceling an automatic payment for a payment agent terminal in a debit and pay system according to an exemplary embodiment of the present invention.

Description of the Related Art

200: Direct debit and payment agreement system

201:

202:

203: Token issuing unit

204:

205:

206:

207:

208: Register

209:

210:

Claims (6)

Receiving a terminal identification number waiting for a request for automatic transfer / settlement from a receiver terminal according to a request for automatic transfer / settlement, the terminal identification number being an identification number for a terminal of the payment person; A token issuing unit for issuing a token for callback to the corresponding payment terminal if the authentication of the input terminal identification number is successful; An acquiring unit for acquiring payment information and personal information from the payment agent terminal if the issued token is owned and a callback is made; An authentication unit for processing identity verification of the obtained payment information and personal information; And A registration unit for registering an automatic settlement associated with the payment agent terminal when the authentication is completed; And Receiving the first password from the payer terminal and receiving the second password from the payer terminal, and the first password and the second password are received by the receiver Lt; / RTI > Wherein, The payment person is authenticated using the received first password and the second password The system includes a debit and payment agreement. The method according to claim 1, Wherein the registration unit comprises: A generating unit for generating a payer number in association with a result of success from the authentication unit, The system includes a debit and payment agreement. The method according to claim 1, Upon receipt of the request for withdrawal of consent, the terminal identification number of the payment terminal that has performed the consent procedure is obtained. When the registered terminal identification number is identical, And a payment system. The method of claim 3, Preferably, If the terminal identification number is changed and the existing terminal identification number can not be used, the personal information and payment information associated with the past terminal identification number are deleted based on the current terminal identification number, , Debit and payment settlement systems. The method according to claim 1, A determining unit for obtaining a first caller identification number from the payer terminal according to a request for withdrawal of consent and determining whether the acquired first caller identification number is the same as the terminal identification number associated with the payee terminal; And When the second calling party identification number is identical to the terminal identification number associated with the payment terminal, the second calling party identification number is requested by the payment terminal, Termination to cancel payment And a payment system. The method according to claim 1, A terminal authentication unit for transmitting the input terminal identification number to a communication company, receiving an authentication processing result for the terminal identification number from the communication company, and processing authentication for the payment terminal, And a payment system.

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