KR20010000937A - Method Serving Receipt Agency Of Cash Management Service - Google Patents

Abstract

PURPOSE: A receipt agent service for cash management service(CMS) is provided for a customer to use the CMS conveniently and rapidly, by allowing an individual and a company to process the job related to the CMS via the internet and an online system without the need for visiting a bank, and to process the job regardless of transaction fund. CONSTITUTION: A customer accesses the web server via an internet terminal(S101,S102), and then accesses the web site for providing the CMS(S103,S109). The approval of CMS transaction is requested to a payment authority via the web site, and the payment authority notes the approval to the web site(S110). The web site remit the money to/from a user's account except a service fee(S111,S112). The fee paid to the web site is recorded in a fee management part(S113). The contents of the CMS transaction are stored in a database(S114). The web site may provide the searched details of a transaction part and CMS transaction contents stored in the database(S115).

Description

CMS storage agency service method {Method Serving Receipt Agency Of Cash Management Service}

The present invention relates to a CMS storage agent service method, and more particularly, to a CMS storage agent service method that enables the storage of the CMS through the Internet and online.

In general, as illustrated in FIG. 1, a simple conceptual example of a conventional inter-financial service will be described.

First, the customer 1 opens an account at a bank 2 to receive and withdraw money, and at the same time receives information such as a deposit, withdrawal account number, and deposit and withdrawal account password from a plurality of financial institutions.

In this state, the customer (1) to the account holding bank (2) to apply for a CMS (Cash Management Service or CMS) transaction.

CMS is a service to simplify and collectively process payment and settlement problems that occur during the payment process between a company and a large number of customers.

As such, when the customer 1 applies for a transaction to the CMS, the CMS 1 applies to each CMS user institution 3 through the account holding bank 2, and the CMS user institution 3 is assigned to the KFTC. Provide services through.

In this way, the CMS user institution (3), who has been requested to receive, withdraw and transfer funds, provides information such as opening and withdrawal account opening bank, account number, and transfer amount to the KFTC, and the KFTC (4) receives deposit and withdrawal account. When the bank (2) is opened, and the existence of the deposit and withdrawal account is confirmed, information on the number of the deposit and withdrawal account and the transfer amount is provided to the deposit and withdrawal account holding bank (2).

The deposit and withdrawal account holding bank 2 deposits and withdraws the transfer amount into the deposit and withdrawal account of the customer 1 based on the above information.

At this time, the actual flow of funds or authentication of information is performed according to a separate method. In this process, the KFTC and the deposit and withdrawal account holding banks (2) collect a predetermined fee.

Companies that sell goods or services like these must receive payments in the opposite payment, and vice versa, companies must pay the payments. It can be easily solved by depositing, withdrawing and transferring funds through the account.

Here, the CMS is a service currently provided by the KFTC, and the CMS user institution (3) contracted with the KFTC and the trading banks is connected to the computer network of the respective banks at the same time as desired in the accounts of multiple banks. Through (4), it is a service that enables mass fund withdrawal and withdrawal.

However, in order to use CMS, a service currently provided by the KFTC, it is necessary to enter into a contract with both the KFTC and the account holding bank in the CMS user institution (3) and the customer (1) of the CMS user institution (3). In addition, they must register with the bank where the account is issued to enable the withdrawal by CMS from their account, and the most problematic part here is that the customer with more than 5000 monthly transactions in the CMS user institution (3) You can apply for direct withdrawal and withdrawal from the CMS user institution (3) .However, customers with less than 5000 monthly transactions must visit the bank directly and apply for withdrawal and withdrawal from their account. Not only is it a waste of time and wasted time coming to the bank, but it is not possible to carry out prompt deposit and withdrawal services, and it is a 1: N business that deals with a large number of customers (1).Being required to pay a great deal of time and money to pay for lead or there is a problem that a lot of inconvenience to customers (1).

In addition, the customer (1) to visit the bank teller to check the details of incoming and withdrawal, bank account arrangement, home banking, phone banking (telebanking), Internet banking, firm banking through an automatic teller machine (CD, ATM) Using the CMS of the service and the KFTC, we checked the transaction history of incoming and outgoing transactions.In order to know when, who, why, deposit and withdrawal of money from his bank account, the transaction history is applied to all relevant bank accounts. There was a discomfort to check.

Accordingly, the present invention is to solve the above-mentioned conventional problems, the object of the present invention, the individual and the company directly through the Internet and online without the financial business that was processed only through the CMS in the CMS CMS directly In addition to processing the financial business, regardless of the transaction funds and the number of transactions to provide a CMS storage agency service method that allows faster, faster and more convenient CMS financial business services.

Another object of the present invention is to provide a CMS receiving agency service method for providing better financial services to customers by allowing them to search and check the CMS transaction details of all financial institutions with which the customer trades, whenever and whenever they want. It is.

In order to achieve the above object, the present invention CMS storage agent service method, CMS storage agent service method for acting as a CMS financial service through the Internet, the CMS financial service by accessing the homepage of the operator web server through the Internet terminal Access to the financial agency service site for receiving and request the approval request for the CMS financial service transaction through the financial agency service site, and when the financial settlement agency approves it, the details are transferred from the financial settlement agency to the financial agency service site. The step of notifying, and the financial agency service site from the step, the depositing and withdrawal of the amount excluding the fee to the bank account holder of the user, and in the step the fee paid to the financial agency service site in the fee management unit Recording and storing and managing the transaction in the step Storing the transaction in the user transaction contents storage database; and if the user wants to search the financial account and the CMS financial transaction history among the transaction contents stored in the user transaction contents storage database in the step, the search contents are provided through the financial agency service site. Characterized in that it comprises a step.

1 is a block diagram showing an operating system of a typical CMS user organization;

2 is a block diagram showing a CMS receiving agency service system according to the present invention;

3A is a block diagram illustrating a financial agency service site selected from the CMS storage agency service system of FIG. 2;

FIG. 3B is a block diagram illustrating a CMS user organization selected from the CMS storing agent service system of FIG. 2;

Figure 4a is a flowchart of selecting a financial agency service site in the CMS receiving agency service method according to the present invention.

4B is a view for explaining an embodiment when the financial agency service site of FIG. 4A is selected;

5a is a flowchart of selecting a CMS using an agency among CMS receiving agency service methods according to the present invention;

FIG. 5B is a view for explaining an embodiment when the CMS using the institution of FIG. 5A is selected;

6 is a flowchart illustrating a data retrieval method for receiving a CMS storing agency service of the present invention;

7 is a flowchart illustrating a method of checking data input items for receiving a CMS storing agent service of the present invention.

<Explanation of symbols for main parts of drawing>

11: user interface unit 12: Internet

13: Operator Web Server 14: Homepage

15: Common Gateway Interface (CGI) 16: User Management Database

17: CMS user agency department 18: financial agency service site

19: Database for storing user transactions

20: KFTC 21: account holding bank

22: Fee Management Department

Hereinafter, a CMS receiving agency service system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 2 is a block diagram illustrating a CMS storing agency service system according to the present invention, and FIG. 3A is a block diagram illustrating a financial agency service site selected from the CMS storing agency service system of FIG. 2, and FIG. It is a block diagram that selects CMS user agency from agency service system.

As shown in FIG. 2, the CMS storing agent service system 10 includes a user interface unit 11, a common gateway interface (CGI) 15, a user management database 16, an operator web server 13, It consists of a financial agency service site 18, a user transaction details storage database 19, a fee management unit 22.

The user interface unit 11 recruits members through the Internet, which is a communication network, and the common gateway interface (CGI) 15 classifies members and non-members based on user information connected to the operator web server 13. If you are a non-member, log in and perform the membership registration procedure.

The user management database 16 stores members registered as members in the user interface unit 11 and the common gateway interface (CGI) 15.

The operator web server 13 is a CMS financial service and transaction history for a large number of transactions of the Internet terminal 1.2 ... N (11a) (11b) (11c) registered in the user interface unit 11 through the Internet It is to be connected to a number of CMS user agencies 1.2 ... N (17a) (17b) (17c) and the financial agency service site 18 to be described later to process the CMS financial business to be provided.

The financial agency service site 18 may access the homepage 14 of the operator web server 13 through an Internet terminal, and selectively access the homepage 14 through the CMS user institution unit 17, and furthermore, the operator. When directly accessing through the web server 13, the request for approval of the CMS financial service transaction is requested to the KFTC 20, and if it is approved by the KFTC 20, the account holder bank 21 registered in the CMS user authority department 17 ), And withdraws an amount excluding the transaction fee from the account holder bank 21 of the Internet terminal user directly connected through the operator web server 13, and retrieves the CMS transaction history from the Internet user. Provided if desired.

The fee management unit 22 is connected to the Internet terminal based on the transaction history stored in the user transaction details storage database 19, the account of the CMS user authority 17 per transaction when the CMS user authority 17 is used. The holding bank 21 pays a certain fee to the financial agency service site 18, and when using the financial agency service site, a certain fee is paid from the account holder bank 21 of the Internet terminal user to the financial agency service site per transaction. At the same time, it records and stores and manages them.

Here, the operator web server 13 enters the member ID and password of the user of the Internet terminal when connecting to the Internet terminal and using the CMS user authority 17. In addition, when using the financial agency service site 18 immediately enters the social security number of the Internet terminal user and the financial account to receive the CMS financial services.

The user transaction details storage database 19 is configured to store transaction details traded on the financial agency service site 18.

Then, the operation of the financial system for providing a CMS storage agent service according to an embodiment of the present invention having the above configuration will be described in more detail with reference to FIGS. 2 and 3.

First, as shown in FIG. 2, when viewing the CMS financial business through the Internet, the user first registers as a member through the operator web server 13, and the subscribed member is stored in the user management database 16.

As shown in FIG. 3A, when a registered member uses the CMS financial service through the Internet, a plurality of Internet terminals 1.2 ... N (11a) (11b) (11c) use the CMS through the operator web server (13). Directly access the financial agency service site 18 without going through the agency.

At this time, the homepage 14 of the operator web server 13 inputs the resident registration number of the member and the financial account and financial service ID to receive the CMS financial service.

The member connected to the financial agency service site 18 requests the CMS financial service and requests the financial settlement service 20 to approve the transaction through the financial agency service site 18.

If approved by the KFTC 20, the amount of money excluding the transaction fee is input and withdrawn to the bank account of the account holder bank 21 of the Internet terminal user.

After payment of the fee provided to the financial agency service is automatically recorded and stored in the fee management unit 22.

When the transaction is completed as described above, the transaction details are stored in the user transaction contents storage database 19.

In addition, when the user wants to search for the CMS transaction history by accessing the Internet terminal, the user may be provided at the financial agency service site 18 through the transaction history stored in the user transaction contents storage database 19.

As shown in FIG. 3B, when the user accesses an Internet terminal and uses a CMS using an institution 1.2 ... N (17a) (17b) (17c), the desired CMS is used through the homepage 14 of the operator web server 13. Select and connect to an organization.

The connected CMS user institution connects to the financial agency service site 18 again and requests the financial institution 20 through the financial agency service site 18 for the CMS financial service requested by the Internet terminal.

If approved by the KFTC 20, the amount of money except for the transaction fee is entered and withdrawn to the account book of the bank account 21 registered in the CMS user agency 17.

After payment of the fee provided to the financial agency service site 18 is automatically recorded and stored in the fee management unit 22.

When the transaction is completed as described above, the transaction details are stored in the user transaction contents storage database 19.

In addition, when the user wants to search for the CMS transaction history by accessing the Internet terminal, the user may be provided at the financial agency service site 18 through the transaction history stored in the user transaction contents storage database 19.

Then, the operation of the CMS receiving agent service method according to an embodiment of the present invention having the above configuration will be described in more detail with reference to FIGS. 4 to 7.

4A is a flowchart illustrating a financial agency service site selected from the CMS receiving agency service method according to the present invention, and FIG. 4B is a view illustrating an embodiment when the financial agency service site of FIG. 4A is selected, and FIG. 5A illustrates the present invention. FIG. 5B is a flowchart illustrating an exemplary embodiment when the CMS user agency is selected in FIG. 5A. FIG. 6 is a CMS storing agency service method of the present invention. 7 is a flowchart illustrating a data retrieval method for receiving, and FIG. 7 is a flowchart illustrating a method of checking data input items for receiving a CMS storing agent service of the present invention.

First, as shown in FIGS. 4A and 4B, when an Internet user accesses the operator web server 13 through the Internet (S101) (S201) in order to receive financial services through the Internet terminal (S102) (S202), the first member (S103 (S203). If you are not a member, if you select the membership registration menu, if you meet the agreement agreement and the minimum personal information of the site, if you meet this is recognized as a member (S104) (S204). Once subscribed, it is automatically stored in the user management database 16 (S105) (S205).

The member who has undergone the registration process selects a transaction for receiving the CMS financial service from the homepage 14 of the operator web server 13 (S106).

When the financial agency service site 18 is selected as the Internet terminal in S106 (S107), as shown in FIG. 4B, the social security number of the Internet terminal user and the financial account provider who wants to receive the CMS financial service are input (S108).

When the CMS financial service is applied to the financial agency service site 18 through the Internet terminal after the step S108, the financial agency service site 18 requests the financial settlement agency 20 to approve the CMS financial service transaction (S109). ), If the financial settlement agency 20 approves it (S110), the financial agency service site 18 asks whether the transaction has been approved (S111).

If the transaction is approved, the financial agency service site 18 deposits and withdraws the amount excluding the transaction fee from the account holder bank 21 of the Internet terminal user (S112).

After the step S112, the fee management unit 22 records and stores the fee paid to the financial agency service site 18. (S113)

The transaction contents in S113 are stored in the user transaction contents storage database 19 (S114).

When the transaction is completed as described above, if the user wants to search the transaction history stored in the user transaction contents storage database 19 with the Internet terminal, as shown in FIG. 4B, if the social security number and the financial account provider are inputted, the CMS transaction history can be provided. (S115).

In addition, as shown in Figure 5a.b, after the user of the Internet terminal registration process, the user selects a transaction for receiving the CMS financial service from the homepage 14 of the operator web server 13 (S206).

Here, the membership registration procedure is omitted because the procedure and the agreement with the access to the financial agency service site 18.

In the case of selecting among CMS user institutions 1.2 ... N (17a) (17b) (17c) as the Internet terminal in S206 (S207), as shown in FIG. 4B, a member ID and password of an Internet terminal user are input ( S208).

After the step S208, when applying for CMS financial service to the CMS user institution unit 17 through the Internet terminal (S209), the CMS user institution unit 17 sends the CMS financial service application to the financial agency service site, and the financial agent The service site 18 requests the financial settlement agency 20 to approve the transaction (S210), and if the financial settlement agency 20 approves it (S211), the financial agency service site 18 asks whether the transaction has been approved (S212). ).

If the transaction is approved, the financial agency service site 18 deposits and withdraws the amount excluding the transaction fee to the bank account of the account holding bank 21 registered in the CMS user agency unit 17 (S213).

After the step S213, the fee paid to the financial agency service site 18 is recorded and stored in the fee management unit 22. (S214)

The transaction contents in S214 are stored in the user transaction contents storage database 19 (S215).

When the transaction is completed as described above, if you want the transaction history stored in the user transaction content storage database 19 to the Internet terminal, as shown in Figure 5b, by entering the member ID and password can receive the CMS transaction history (S216) ).

In addition, as shown in Figure 6, to retrieve the list of financial accounts and CMS transactions for receiving the CMS storage agency service, the search through the Internet terminal to search the desired financial accounts and CMS transaction history to the financial agency service site Request (S301).

In step S301, it is checked whether the financial agency service site is the normal content for the requested search content after accessing the Internet terminal (S302).

After the step S302, the financial agency service site constructs a list by searching the financial accounts and CMS transactions stored in the user transaction contents storage database (S303).

The list configuration items are as follows.

Configuration items · Requester's number · Trader's number · Trader's name · Trader's name · Trader type code · Registration date

The data of the configuration list shown in Table 1 is transmitted to the Internet terminal (S304).

In addition, as shown in Figure 7, in order to provide the CMS financial service to the Internet terminal to download the list data transmitted from the financial agency service site (S401).

On the basis of the list data downloaded from the S401 the financial agent service site 18 inputs the list data to the Internet terminal for the CMS financial service application (S402).

In step S402, it is checked whether a required input item and an input format that are input to the Internet terminal are normally input.

The required input items to be checked by the financial agency service site are shown in Tables 2 and 3 below.

Check item · Service ID · Serial Number · Service Category · Tolerance Company / Trader Number · Business Registration Number / Resident Registration Number · Withdrawal Account Number · Withdrawal Bank Code · Withdrawal Transfer Amount · Withdrawal Date · Withdrawal Date Reason · Type of fund · Deposit company number · Deposit bank code · Deposit account number · Deposit account

Check item · Service ID · Serial Number · Service Category · Business Target / Dealer Number · Business Registration Number / Resident Registration Number · Deposit Account Number · Deposit Bank Code · Deposit Transfer Amount · Deposit Transfer Date · Real Deposit Transfer Date (Calculation of Fee) · Reason for deposit · Type of fund · Withdrawal company number · Withdrawal bank code · Withdrawal account number · Withdrawal account

As shown in Tables 2 and 3, if an error item is found after checking whether the mandatory input item is normally input through the Internet terminal, it is recommended to notify the Internet terminal through the financial agency service site 18 and correct the error item. (S404)

On the other hand, as described above, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the spirit and scope of the present invention.

According to the CMS storage agent service method according to the present invention as described above,

CMS banking services can be handled by individuals and companies through the Internet and online. Fast and convenient processing, thereby improving financial services, and provide better financial services by searching and checking the CMS transaction history of all financial institutions with which customers want through the Internet and online anytime, By paying the deposits, withdrawals and payments of various public institutions within the period, it is possible to prevent the disadvantages and damages caused by not paying the payments during the payment period.

Claims (3)

In the CMS storage agency service method for acting as a CMS financial service over the Internet, Accessing a homepage of an operator web server through an internet terminal to a financial agency service site for receiving a CMS financial service; Requesting a request for approval of CMS financial service transaction through the financial agency service site, and when the financial settlement agency approves it, the financial settlement agency notifies the financial agency service site of the details; From the step, the financial agency service site, the step of depositing and withdrawing the amount excluding fees to the bank account holder of the user; Recording and storing and managing the fee paid to the financial agency service site in the fee management unit; Storing the transaction contents at the step in a user transaction contents storage database; CMS storage agency service method comprising the step of providing the search content through the financial agency service site if you want to search the financial account and CMS financial transaction history from the transaction history stored in the user transaction content storage database in the step . In the first, Requesting a search for a desired financial account and CMS transaction to a financial agency service site through an internet terminal; Checking whether the financial agency service site is normal for the search contents requested in the above step; After the step, the financial agency service site is configured to search the financial account and CMS transaction history stored in the user transaction content storage database to form a list; CMS receiving agency service method comprising the step of transmitting to the Internet terminal a list of the financial account and the CMS transaction history configured from the step. In the second, Downloading a list of financial accounts and CMS financial transaction history transmitted from the financial agency service site to the Internet terminal; Inputting the list data to apply for CMS financial service to the financial agency service site based on the list data downloaded from the above step; Checking whether input of a required input item and input format are normal after the input in the step; And the step of recommending that the financial agency service site notifies the internet terminal about the error item and corrects the error item after checking whether the mandatory input item is normally input in the financial agency service site.