KR20000050092A - Method of remittance by e-mail & e-mail remittance system - Google Patents

Abstract

PURPOSE: A method for remitting money by e-mail is provided to easily deliver small money and to reduce a time to deliver directly, when a user remits the money via an e-mail account and adds a message. CONSTITUTION: A method for remitting money by e-mail comprises the steps of: accessing to an e-mail remittance service via an Internet banking, and discriminating customer authentication and either remitting or not; sending a message written remittance prices information a receiver via an e-mail; and if the receiver confirms the e-mail and the remittance, drawing out the remitted price from sender's account and executing remittance to receiver's account.

Description

Email remittance method and system {Method of remittance by e-mail & e-mail remittance system}

The present invention relates to an e-mail remittance method and system for enabling the remittance and receipt of e-mails such as marriage, stones, sixties, death expenses, pocket money and other small sums through e-mail.

Traditionally, people in our country share their joys and sorrows with people who are involved in it. At this time, a certain amount of expenses are required to hold the economy, and one of the methods of procurement is subsidies.

The nature of these subsidies has a function as a tool to confirm the sincerity of those around them or relatives rather than a large or small amount. Also, although the amount is increasing with social and time changes, the amount is fixed in conventional wisdom and according to the circumstances of the assistant.

Therefore, the subsidy is a very small amount for the assistants personally and thus plays a very important role in maintaining mutually friendly relations, and many people think so too.

However, in the event of an obligation to deliver benefits due to unforeseeable incidents, such as portraits, or when it is not possible to visit the funeral site at a remote location or due to special circumstances, a friendly relationship may be established regardless of the intention of the assistant. It can damage you.

In particular, due to the nature of the subsidies, it is often awkward to deliver each other after the end of the event.

In addition, most incline events, such as weddings and sixtieth birthday celebrations, are scheduled by the organizer at random, but in most cases they take place on holidays, so it is very difficult for congratulation visitors if they have a pre-scheduled appointment or important appointments overlap. Can be done. In such a case, if they fail to attend the event, they will not be able to pass the assistance, so they may crack each other's trust.

Therefore, although relatively small, the nature and function of the subsidy is very important in the light of our emotions. In addition, remittances of pocket money or small payments can be easily sent via e-mail, saving time and money.

SUMMARY OF THE INVENTION An object of the present invention is to provide an e-mail remittance method and a system for enabling remittance and receipt of e-mails such as marriage, stone, sixtieth birthday, condolences or allowances at the time of death, and micropayment funds.

1 is a block diagram of a system of the present invention.

2 is a flowchart illustrating an e-mail transfer process according to the present invention.

3 is a flowchart illustrating a process of receiving an email remittance amount according to the present invention.

※ Explanation of symbols on main parts of drawing ※

10: Internet Banking Server 11: Remitter Computer

12: Remittance Bank Server (Account DB) 13: Recipient Bank Server

12-1: Single Deposit Account by Email Transfer

14: Recipient Computer 15: Email Transfer DB

The present invention for achieving the above object is the step of accessing the e-mail remittance service through the Internet banking to determine whether the customer authentication and remittance eligibility, after receiving the remittance eligibility approval, write the e-mail message and the corresponding e-mail writing menu Sending the remittance unit e-mail after selecting the "E-mail remittance icon" provided, inputting the remittance, and the remittance unit e-mail transmission is confirmed by the recipient and the remittance account by the e-mail recipient is designated and received. If there is an approval, the present invention provides a method for remitting an e-mail including a step of remitting an amount determined by an e-mail sender to a designated recipient account and an e-mail remittance system for realizing the method.

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

1 is a block diagram of a system of the present invention. As directly referred to herein, the present system includes a siteline Internet banking server 10 for an e-mail transfer service on the Internet, a remitter computer 11 as a first client computer connected to the server via the Internet, Remittance bank 14, which receives the e-mail sent from the remitter computer, and a remittance bank for storing customer information (member and account information) subscribed to the Internet banking service and executing remittance transfer of designated amount. E-mail transfer related information from the server 12 and the single-account account DB 12-1 for e-mail remittance, the receivable bank server 13 receiving the money remitted by the remittance bank server, and designated by the remittee; It includes an email transfer DB (15) having.

The Internet banking server 10 receives the application for Internet banking service by the public, registers personal information including the bank account information of the corresponding customer (member) in the customer (member) DB, and the remittance eligibility of the applicant for the e-mail transfer service (the customer's Only if the account balance is equal to or larger than the sum of the desired amount of the transfer and the applicable fee), the e-mail message created by the customer (member) and the remittance information are sent to the recipient. If there is a confirmation of receiving the remittance, the remitter shall withdraw the amount specified by the remitter from the single deposit account for remittance to the designated remittance account of the relevant remittee.

The following describes the execution process of the present invention.

First, the Internet banking server 10 receives an application for subscription to the Internet banking service by the general public and registers bank account information and personal information of the corresponding customer (member) in the remittance bank server account DB 12.

After that, the customer (member) accesses the Internet banking server 10 using the sender computer 11, which is his computer, and selects 'send money' to transfer the money and the money to be sent. Enter the deposit account, password, and remitter's e-mail address to which the remitter is notified of the remittance result. The server of the remittance bank sends the customer (the amount including the amount to be remitted by the balance of the member's deposit account and its fee). Sending a remittance-qualified message with the same or greater than the sender, the remitter writes out an e-mail message to the recipient and writes the recipient's e-mail address, etc. If the recipient does not receive the remittance, the remittance is sent to his deposit account. If you press the 'Email Remittance' icon (not shown) provided in the e-mail composition window, this information is sent to the Internet banking server (10). This is sent to the receiving party by mail address.

The recipient checks his or her incoming mail, and then clicks the remittance display menu included in the remittance information included in the mail content or the mail content confirmation window.

When the e-mail remittance display menu is clicked, the e-mail receipt screen shows the amount to be received and allows the user to enter the bank name and deposit account number input menu screen to receive and deposit the money.

In this way, when the recipient computer 14 enters the number of the receipt account to be received and confirms receipt of the remittance amount. The internet banking server 10 transfers the remittance bank server 13 to the receivable account of the receiving bank server 13 and sends the remittance confirmation information to the internet banking server, and sends the remitter computer 11 by the server 10. Remittance confirmation information is sent to the side.

2 is a flowchart illustrating an e-mail transfer process according to the present invention. As referred to here, a person who wishes to send an e-mail can access the Internet banking server, enter customer (member) information, log in through electronic authentication, and select the 'Send e-mail' menu to set the amount and amount of money to be sent. Enter the deposit account, password, etc. to withdraw.

The remittance bank's server confirms that the balance of the customer's (account) is greater than or equal to the amount to be remitted and the fee, and provides an email message window to the remittee and remittance due to insufficient account balance. Send out impossible messages and notices.

The sender writes an e-mail message to the recipient, enters the recipient's e-mail address, and enters the time when the recipient will receive the remittance in his or her deposit account if the recipient does not receive the remittance. Then, when the 'e-mail transfer' icon (not shown) provided in the e-mail composition window is pressed, this information is transmitted to the recipient's e-mail address by the Internet banking server 10.

At this time, the remittance bank withdraws the remittance amount from the remitter's deposit account and transfers it to the e-mail remittance group. The remittance department encrypts and transmits the e-mail so that it cannot be tampered with and records it in the e-mail DB.

The mail window is opened after checking the remittance eligibility by the remittance server. At this time, if it is determined that the bank account is insufficient due to the balance of the deposit account, a message indicating the reason and the requirements of the remittance is displayed on the screen of the sender computer.

If you want to send a certain amount of money after composing a message in the mail window, click the Send money menu icon and enter the account number, password and the amount of money in the opened window.

After entering the remittance information and clicking the Confirm menu icon, the e-mail containing the remittance information is sent by the server to the recipient of the designated mail account.

3 is a flowchart for explaining the process of receiving money transfer of e-mail banking. As referred to herein, the mail recipient checks the message of the mail and if there is money transfer information in the mail, determines whether or not to receive the money transfer.

At this time, if the recipient wants to receive the money from the sender, enter his / her designated account (bank name, account number) and click the icon to request a deposit. Receive the remittance from the separate deposit account. If the recipient refuses to accept the payment, or if the recipient has not been sent by e-mail, the money will be returned to the sender's account on the day after the deadline specified by the sender.

As described above, the present invention enables the remitter to simply transfer a small amount such as a hardship allowance or allowance to a mail message by simply attaching it to an e-mail message through an e-mail account without specifying a receiving account. The unique effect of solving the inconvenience of having to move for a long time or to modify the schedule of the day for the delivery of.

Claims (2)

Accessing the 'e-mail remittance service' through internet banking to determine whether the customer is authenticated or eligible for remittance, and sending the remittance information by e-mail to the numerical person in the e-mail message prepared after acquiring the customer (member) certificate; E-mail banking service method comprising the step of withdrawing the amount specified by the remitter from the remitter's account to the designated recipient account of the recipient, if there is an e-mail receipt confirmation and remittance receipt confirmation by the recipient. Internet banking server 10 for the e-mail transfer service on the Internet, the account information DB 12 of the remittance bank and the e-mail remittance bank account 12-1 belonging thereto, and the server connected to the server through the Internet. 1 A remitter computer 11 serving as a client computer, a recipient computer 14 for receiving an e-mail sent from the remitter computer, and an e-mail remittance DB for collecting and storing information related to the e-mail remittance service ( 15), a remittance bank server 12 which executes remittance transfer of a designated amount, and a receivable bank server 13 which receives an amount remitted by the remittance bank server and is designated to the recipient. To this mail remittance system.