KR20000036943A - Process and Device for Intergrated Settlement by means of Virtual Address - Google Patents

Abstract

PURPOSE: An integrated payment method of the amount of settlement through a virtual address and the apparatus thereby are provided to pay charges in total by setting up a virtual address. CONSTITUTION: A user inputs his ID and password, in case of executing a program for the settlement of charges in order to pay the charges through a charge settlement service company. When the user carries out the log-in, a message is displayed on the screen to confirm the change of a charge settlement place. If the user selects the next on the screen of the change of a charge settlement place, an information screen is displayed to show requested details. On the information screen, the service company asks the user by items whether he will pay. In case that the user approves it, the service company executes cash transfer. The service company pays the charges to the charge request institute substitutively and provides adjustment information to the user.

Description

Process and Device for Intergrated Settlement by means of Virtual Address}

The present invention has been devised to innovatively solve the hassle that comes when a payer pays bills, such as utility bills, credit card bills, taxes, etc. through a financial institution.

Many current payers must visit financial institutions in person to receive payments, receive a number at the counter, and wait a long time. In addition, there is a hassle of having to keep and manage physical bills related to payments at home or at work.

Recently, with the development of electronic information exchange, home banking through automatic account transfer, PC or telephone, etc. has been made, but there are many kinds and number of payment details according to transactions that payer must manage, which makes it difficult for payer to manage it efficiently. . Even in the case of automatic account transfer, if the payer has a spatial shift due to moving, changing work location, studying abroad, or traveling, it is cumbersome to re-enter the procedure such as applying for and canceling the account transfer directly to the financial institution. In addition, if there are many trading financial institutions, the complexity of the processing becomes even greater.

Recently, a new Internet service has been introduced that enables a billing claimant to make an online payment by a payer through the Internet. However, the payer must visit the biller's homepage and make an online payment. In addition, since it is difficult to receive online payment information from the incomplete payment claimant, payment for this still has to rely on offline.

Until now, the frequency of transactions related to micropayments by financial institutions has been considerably higher than that of large payments. As a result, financial institutions had to secure a wide range of sales outlets, and have been spending a lot of money on simple payment-related tasks. In particular, it has been a cumbersome task due to the storage and movement of physical documents.

The billers mailed the payers a full physical bill related to the payment. In the process, there were management difficulties, such as the loss of physical documents and the increase in costs.

In the meantime, the electronic payment system has been evolving, especially in financial institutions, but there has been no means for comprehensive management from the customer's point of view.

The present invention is designed so that when a payer sets a third place as a payment place, the payer can provide comprehensive payment information to the payer and use it to make a payment online.

In the case of using the present invention, the payers may be provided with the information to be paid online by the service provider without regard to the physical location such as home or work. The payer should confirm this and approve the payment.

The service provider receives the physical bill or data related to the payment from the biller and transmits the information to the payer on the payer's online screen such as the Internet or personal financial management program. If the payer approves payment details he can approve, the approval is sent to the service provider. The service provider sends this to the biller. Relevant physical labels or data are kept by the service provider and provided to the payer upon request. The service provider classifies and aggregates the billing details by week, month, quarter, and year, and provides them to the customer. The payer uses the personal financial management program provided by the service provider to help the household operate in scale through comparative analysis with the previous payer's payment amount and form.

1 illustrates the concept of a payment system according to the present invention.

2 shows a network configuration of the present invention.

Figure 3 shows a service by the Internet of the present invention.

4 illustrates a PPP service according to a separate program of the present invention.

Figure 5 illustrates the data flow between the payment service provider and the biller of the present invention.

Figure 6 shows the initial screen provided to the payer of the present invention.

Figure 7 shows a screen associated with the payment settlement change of the present invention.

8 illustrates a screen when providing payment information according to the present invention.

Figure 9 shows a screen asking whether to approve the claim of the present invention.

10 is a flowchart illustrating the operation of the present invention.

In the present invention, when the payer requests the service provider to set up a new third payment by using the virtual address, the virtual ID, and the virtual account, the service provider pays the fee by providing the payer with all kinds of payment information required by the payer. It is characterized in that the payment management is integrated.

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

Figure 1 is a block diagram showing a payment system according to the present invention shows the interaction between the payer, billing institutions, service agency.

First, the payer visits the homepage of the service agency and joins as a member. And when you want to pay the price through the payment service company, enter the ID, password, etc. when running the payment program by the homepage or CD separately distributed for members.

If the billing service is changed to a service company and payment data or physical statements arrive from the billing institution to the service company, the service company announces the "payment to pay" on the initial screen executed by the payer.

When the customer logs in, a message is displayed on the screen to confirm whether the payment has been changed. At this time, the payer can select Yes to request the change payment service, or select No if there is no change to the payment payment. The service company acts as a billing agency change service according to the payer's request for change of payment.

On the Change Billing screen, select Next to display the information screen showing the billing details. On the information screen for notifying billing details, the service company asks whether to pay by item.

If the payer approves, the service company transfers the funds. The service company pays the billing agency a fee and provides the settlement information to the payer. The payer can confirm and close the settlement information.

The payer can check the payment amount and the overdue amount by period such as today, this week, this month, and the next period on the payment information screen. In addition, it is possible to promote rational fund management of individuals or households by grasping payment information in the past period (week, month, year). The service company provides the payer with payment information in numerical or chart form.

2 shows a network configuration of a payment system. The payer (User) is connected to the service company through the Internet network or PPP service. When a service company requires a service through a router and a firewall of a service company, the service company responds to the request through a web server. The service company communicates with the payer through the open page of the web server. The web server manages customers and stores and reads necessary information in DB during this process. The service company's DB is linked with the web server and stores data for customer management, data containing payment related information, and billing related data.

The service company may receive the physical bill directly from the billing institution and manually input the data into the system. If the data is exchanged with the billing institution, the service company may receive the data directly and perform the payment service.

The service company notifies the payer of the billing statement, obtains payment approval from the payer, and requests payment of the card to VAN (Payment Gateway) if the payer pays by credit card, and obtains the approval result and authorization number and notifies the payer. do.

After the service company obtains the payment approval from the payer, if the payer pays by online banking, the bank asks VAN to approve the transfer and obtains the approval result and approval number and notifies the payer.

If the service company receives the billing information from the billing institution as data, the service company keeps it in the company's DB server. When the billing institution confirms that the claim has been received, it is kept on the physical seal with a proof stamp. If the payer asks for the physical seal, he / she can send it by mail or copy it to a scanner and file it and provide it by e-mail or FAX.

3 is a detailed diagram illustrating information exchange between a payer and a service company, a business process procedure, and the like when the payer accesses the service company through the Internet. The payer accesses the service company's homepage by running a web browser through a modem, ADSL, cable, or LAN. The service company communicates with the customer through the web server, such as customer information such as ID and password, payment information, approval result and approval number. Some of the customer's requirements are stored in the DB server or printed out and sent to the customer.

4 is a detailed diagram illustrating information exchange between a payer and a service company, a business process procedure, and the like when the payer is connected to a service company through a separate program such as a CD. The payer sends and receives payment information with the service company by running the application by the PPP method. The service company transmits the information required by the payer through the web server, and enables the payer to receive the necessary information through the PPP server.

5 is a detailed view showing the data flow between the service company and the billing authority. The service company receives the physical bill directly from the billing agency and provides the billing information to the payer, either manually or by exchanging data with the billing agency. The service company receives data in the form of a field or record from the biller through the SAM data gateway. When the service company requests approval from Payment Gateway (VAN) for the transfer of funds through the online banking or payment by credit card to the biller's account, the service company notifies the payer of the data related to this fact. It is also sent to the billing agency. When the service company notifies the billing agency that it has been deposited into his account, the service company receives the relevant proof stamp on the physical bill and keeps it.

FIG. 6 shows an initial screen that appears when a payer runs a web browser or executes a payment program using a CD separately distributed for a member when a payer wants to pay through a payment service company. If the payer is a member of the service company and wants to receive the payment service using the payment system, enter the ID and password. The service company displays on the initial screen executed by the payer when the payer has a payment to pay.

Figure 7 illustrates a screen to help payers change the billing. When the customer logs in, a message is displayed on the screen to confirm whether the payment has been changed. In this case, the payer may select Yes to change the payment settlement service by selecting Yes, or select No when there is no change in the payment settlement or want to change the payment settlement directly. If No is selected, the payer can request the billing institution to change the payment form directly by telephone, fax, or mail.

The payer who selects Yes when asked whether or not to change the payment sheet can check the name of the billing institution that wants to change the payment sheet or enter the details by going to the detail screen. The service company acts as a billing agency change service according to the payer's request for change of payment.

8 illustrates a payment information screen that the payer will check. The payer can check the payment amount and the overdue amount by period such as today, this week, this month and the next. In addition, you can obtain payment information for the past period (weekly, monthly, annual). The payer can receive payment information in numerical or chart form.

9 illustrates a display screen for confirming whether to approve according to a claim. The service company asks the payer whether to pay by the billing item. If the payer approves, the service company transfers the funds. The service company pays the billing agency a fee and provides the settlement information to the payer. When the payer approves the payment, the service company requests a card or bank transfer authorization from VAN (Payment Gateway) and obtains the approval result and authorization number and notifies the payer.

10 is a flowchart illustrating a payment system according to the present invention. When the payer wants to pay the price through the payment service company, the payer first checks whether or not the payment is made. If there is payment, the payer enters ID and password and logs in. If there is no payment, the payer can immediately terminate or log in after entering ID and password to check past payments.

When the payer logs in, a message is displayed on the screen to confirm whether the payment has been changed. At this time, the payer can select Yes to request the change payment service, or select No if there is no change to the payment payment. The service company acts as a billing agency change service according to the payer's request for change of payment.

Next, when the payer selects Next on the change payment screen, an information screen showing the billing details is displayed. On the information screen for notifying billing details, the service company asks whether to pay by item.

If the payer approves, the service company withdraws the funds from the payer's account and transfers the funds to the billing authority. The service company pays the billing agency a fee and provides the settlement information to the payer, such as "Payment has been made." The service company stores the payment information in the DB server. The payer can confirm and close the settlement information.

The payer can check the payment amount and the overdue amount by period such as today, this week, this month and the next period on the payment information screen. In addition, you can get information about payments in the past period (weekly, monthly, annual). The payer can log in to grasp the amount paid by the individual or household in the past period in the form of figures or charts, even though there is no payment to pay immediately.

If the payer does not approve the individual payment item or the entire payment item due to lack of funds, even after checking the billing details, the service company does not execute the transfer of funds. In this case, provide a notice to the payer, such as "How long will I have to pay?"

When all of the above is done, the payer can choose to log off and exit, or repeat the process without choosing to log off.

In accordance with the present invention, the payer can manage the payment price such as utility bills, credit card payments, national taxes, local taxes, etc. through integrated payment service payment company. In addition, the payer can reduce the trouble of having to pay directly to the receiving institution such as a financial institution and the storage of the physical documents. At the same time, through the payment information provided by the service company, the expenditure related to individual and household payments can be grasped for a certain period of time, thereby enabling large-scale fund management. Billing institutions and financial institutions can expect to save money when they make payments to service companies. Above all, the present invention can greatly contribute to the advancement of the information society through the increase of payer convenience and the reduction of social cost.

Claims (6)

Apparatus and method for setting a virtual address, a virtual ID, a virtual account as a third payment settlement in order for a payer to receive payments online or offline for payments such as utility bills, credit card payments, national taxes, and local taxes. A device and method in which a service provider acts on behalf of a payer to change the address of a payment when a payer requests a change of payment to a third place. Apparatus and method for providing the payer with integrated information on various payments and providing numerical and chart information to enable individual and household financial management. Apparatus and method for a billing agency service company to become a payer's third payment settlement and receive a bill-related physical statement from a billing agency or receive and store data. Apparatus and method for the service company to pay the bill to the billing institution in the course of the payment of the payer, receive the receipt of the relevant physical statement from the billing institution or receive and confirm the deposit confirmation data. Apparatus and method for providing a physical statement or equivalent data in response to a payment company's request for supporting evidence after a service company's payment service.