KR20010079179A - Automatic transfer control system - Google Patents

Abstract

PURPOSE: A system for controlling an automatic payment is provided to perform a payment by a priority selection system by deciding an order for an automatic payment and confirming the balance of a bankbook or a card and requiring money and performing an automatic payment in accordance with the order. CONSTITUTION: A web server(100) embodies a user's ID and password for a new registration and controls the ID and password. A data responding unit(200) receives a numeral ID and password with respect to a telephone the user uses. A data conversion unit(210) converts and transmits contents of a database(300) into a voice or a character. The database(300) stores information inputted through the web server(100), an automatic responding unit, and the data conversion unit(210) and stores information of a bank card company(310), information of an automatic payment requesting company(320), and related information of servers(500,510,520) being connected. An automatic payment priority control unit(410) controls an automatic payment based on information of the automatic payment bank and an automatic payment company. In addition, a balance shortage guiding system(420), a promptly connection system(430), a commission calculating system(440), a payment holding system(450), a payment connecting system(460), and an on-line promptly control system(470).

Description

Direct debit control system {omitted}

Generally, the amount will be automatically transferred when the date is set when purchasing goods, service, or deposit application at the place where direct debit is possible. However, when the balance on the account is not enough, the amount is deposited in the order of request. As a result, debit applicants sometimes suffer. For example, if you have 1 million won in your bankbook and there are 6 places where you will be automatically debited. In that case, if the money does not go out today, you will have to pay 5% of the late fee.

In some cases, they may see damage and cancel their direct debit.

It's good to be able to easily find the place where the transfer is made, but the place where the actual transfer (bookkeeper) doesn't know the contents exactly, so what is overdue without going to the bank and checking the account or checking through PC banking or telebanking? The most important thing is not to know whether the money went out, and the first thing you see is a failure because it does not become a direct debit where the money should go out. Therefore, the present invention improves the direct debit method so that the owner of the bank account to set the priority of the direct debit, and the debit is not overdue by sending a text message to the e-mail and mobile phone when the amount is insufficient. Can be.

You can also specify several ways to set up direct debit, and linked accounts can also be gradually selected from one account to multiple accounts, reducing the amount of overdue. In addition, it is efficient to collect the balances spread among several accounts into one account.

The present invention is a service system for the automatic transfer of banks or credit card companies, the conventional technology is made by the order of the bank or credit card company when the direct debit to the bank or credit card company when the direct debit or the bank or credit card company's own method of direct debit Was done unilaterally. In addition, because only one bank account is set up in one company, if the balance of the account is insufficient, no matter how much money is in another bank account, it is inevitable.

Accordingly, an object of the present invention is to determine the order of automatic transfer when the direct debit user directly debits, check the balance of the bank account or card to be automatically debited, check the balance limit and the requested amount, and then make automatic debit according to the priority. After checking the balance limit and the requested amount, the purpose is to allow the transfer to be made automatically by the priority selection system. In addition, if the amount is insufficient, by sending a text message to the communication device that can receive emails and texts over the Internet, and automatically guide the phone so that consumers do not know. In addition, the direct debit control system automatically prevents overdue payments through other bank accounts linked to the bank, credit cards or self-minus loans, benefits the bank, benefits the consumer, and deposits the money to the direct debit company correctly. Make it a good system for everyone.

You can also specify different ways to set up direct debit, and linked accounts can also be gradually selected from one account to multiple accounts, reducing the amount of overdue. In addition, it is efficient to collect the balances spread among several accounts into one account.

Of course, the control of the automatic transfer control system allows telebanking and text terminals (mobile phone character functions, wired and wireless devices that can send and use text messages such as PDAs), selection via the Internet, and direct requests from banks and card companies. By doing so, direct debiters do not lose money due to overdue payments, and banks and credit card companies, such as direct debit services, can benefit from short-term loans.

The direct debit control system will be connected to a host of banks or credit card companies that accept direct debit and can be embedded in the bank's own host if the bank uses this system on its own. By connecting to the KFTC's system, it is possible to control the automatic transfer of all banks and credit card companies connected to the KFTC.

1 is a schematic diagram of the automatic transfer control system FIG.

Figure 3 Debit Priority Determination Process Figure 4 Balance Shortage Guidance System

Figure 5 Guided immediate connection processing system Figure 6 Fee settlement system

Figure 7 Payment Holding System

Figure 8 Payment Connection System Figure 8-1 Payment Account Registration Figure 8-2 Payment Connection Process

Fig.9 Process of general automatic debit application with Fig.9 payment balance

* Explanation of symbols for main parts

10 Communication Method 100 Web Server 110 User Register 200 Automated Response

210 Data conversion unit 300 Database 310 Bank / card company 320 Direct debit request company 400 Automatic debit control system 410 Automatic debit priority control system (system)

420 Shortage Information System 430 Immediate Information Processing System 440 Fee Settlement System 450 Payment Holding System 460 Payment Connection System 470 Online Immediate Control System 500 Bank Server 510 Financial Service Server 520 Card Company Server

The automatic debit control system according to the present invention configured as described above is approved by the debit applicant and the debit requester from the company that executes the automatic debit (bank, card company, etc.) and the debit applicant applies for his automatic debit. After confirming the details of the transfer request through telephone, text terminal, or the Internet, the order of debit should be set. If you want to set the order by setting the conditions, you can also select this so that the direct debit request will be made based on the debit request. It does not matter if the balance of the bankbook or the balance of the card is higher than the requested amount, but if it is small, the direct debit control system will also be in direct order regardless of the order, whether the requestor first requests direct debit or the last order. Regardless of the order of the bylaws, the debit will be made by the order and method selected by the debit requester. In addition, if the balance is insufficient, the direct debit applicant can cope with it by notifying the shortage amount by voice or text through the Internet, wired / wireless telephone, and text terminal.

In addition, by allowing the user to select a real-time direct debit application from another bank or card, another bank account or card has a balance, but the current account has no balance, so that no damage is caused.

Direct debit companies do not have to pay late fees by using automatic credit loans or negative loans for those who have credit but lack short-term balances, and the direct debit company can benefit from the loans for that period.

Hereinafter, the configuration and operation of the embodiment of the automatic transfer control system according to the present invention will be described in detail with reference to the accompanying drawings.

10 is a conventional automatic transfer processing system

If the user 310 requests a direct debit from a bank, card company, or product user-payment requesting company 320 or, on the contrary, requests a direct debit application from the debit related company 310, the social security number and corresponding You will be asked for your bank account number or credit card number at the card company or bank. Your direct debit will begin next month or next month. When the corresponding date, the payment requesting company 320 transmits the customer information and the corresponding amount and the remittance date to the designated place, and the direct debiting company (bank, card company) 310 transfers the information to the corresponding company. After the remittance, the details of the relevant card or bank account of the individual are indicated and the consumer confirms the remittance history. The payment requester 320 checks the remittance details and confirms to the consumer when the amount does not match or does not come in at all. You will be asked to make a payment. Consumers sometimes see ridiculous frustration when their payments are short. For example, there are two places to be remitted this time and the total amount is 300,000 won, but the amount of one place is 280,000 won, and the other place is 20,000 won. When the balance of the account is 290,000 won, the 280,000 won must be paid 10% arrears. When 20,000 won is 2% late, the common sense is 280,000 won first, and 20,000 won the next day or a little more if you put it does not have such a big effect. But if 20,000 won is first transferred 280,000 won Will not be properly remitted and will be overdue and you will be charged a late fee. For this reason, there are many cases of canceling direct debit.

1 is a system for improving the problem of this automatic transfer system.

If the existing direct debit is processed according to the rules or sequential method of the company that makes the direct debit such as bank or card company, the automatic debit control system of FIG. 1 allows the user to control the direct debit order, form, and connection with the settlement company at will. It can be characterized by. In some cases, it is possible to prevent direct debit even if there is a balance in the account.

As shown in FIG. 1, the user accesses the web server 100 of the automatic transfer control system through the Internet, receives an ID and password, and completes user registration through an automatic confirmation procedure. The bank card company 310 and the direct debit requesting company 320 provide and register information in the database 300 of the debit control system so that the user can access the server (500, 510, 520) and the bank / card company 320 connected to the database. You can find the debit history and company information linked through the branch server (310).

When a user applies for or requests a direct debit to the payment requesting company 320 or the direct debiting company 310, the debit is made. In addition, the consumer can apply for or cancel the direct debit directly, and access the direct debit control system that can control the direct debit method to control everything related to direct debit.

The user can enter the personal information to apply for the subscription (110) and after signing up his or her direct debit history and can check the corresponding linked account and card.

In addition, through the social security number and basic ID and separate numeric ID and numeric password entered at the time of registration, make a phone call (general phone, mobile phone), enter ID password, resident registration number, listen to the instructions and change the linked account or card. You can also add or stop direct debit. In addition, in the case of a text-capable terminal, it is possible to control after inputting the ID and password.

After accessing the web server 100, the user inquires his information in the database 300, accesses the automatic transfer control system 400, and checks the contents of his inquiry again, and the automatic transfer priority control unit ( 410) can be adjusted in the order of direct debit. (See FIGS. 2 and 3) When a request for payment from the direct debit requester 320 is received according to the direct debit order, priority is given through the payment connection system 460 on the day. The transfer will be made by ranking. In addition, when the balance is insufficient, the payment connection system 460 automatically handles payment through self-connected other bank account transfer and other card payment connection, negative bank account, credit loan.

In addition, when the balance is insufficient, the balance can be sent through the mail system of the web server 100 through the balance shortage system 420, and voice guidance, text guide, etc. through the automatic response unit 200. In addition, upon connection immediately processing At the same time through the system 430 when the user presses the call button is immediately connected to the settlement account and payment order to another card, credit loan, minus bank, etc. can be immediately ordered.

In addition, the consumer through the payment holding system 450 for the most important payments for the corresponding payments can not be transferred to other places other than the automatic transfer for the payment. Of course, when the amount is insufficient, the amount to be deposited should not be transferred or withdrawn elsewhere.

In addition, the processing process has a fee settlement system 440 that charges a fee (schedule, monthly, contract) in this process.

Automatic transfer control system according to the present invention for performing the above operation, the ID through the web server 100, the web server 100 to give the ID and password when registering a new user and to control through the Internet after registration Data conversion unit for sending a voice or text to the automatic answering unit 200 and the database 300 to receive a numeric ID and password for receiving a call or a command received for the user is given (210), the web server, the answering machine and the information stored through the data conversion unit stores the information of the bank card company 310 and the information of the direct transfer request company 320 and the relevant information and automatic transfer of the connected server (500, 510, 520) A database that stores the connection information of the control-related systems of the control system, and the automatic debit card that controls the direct debit based on the information of the direct debit bank and the direct debit company. Rank control unit 410, balance shortage guide system 420, when the immediate connection processing system 430, commission settlement system 440, payment holding system 450, payment connection system 460, online immediate control system 470.

Hereinafter, in the automatic transfer control system according to the present invention, the automatic transfer system processing diagram (FIG. 2), the automatic transfer priority determination processing diagram (FIG. 3), the balance shortage guidance system (FIG. 4), and the immediate connection processing system at the time of introduction ( 5), fee settlement system (FIG. 6), payment holding system (FIG. 7), payment linkage system (FIG. 8-1 payment account registration, FIG. 8-2 payment linkage processing diagram of FIG. 8 and FIG. 8), The bank account will be described in detail the contents of the processing diagram (Fig. 9) for depositing the insufficient payment balance to the bank account to apply for automatic transfer.

2 is a flowchart of the automatic transfer system of the automatic transfer priority control unit (Fig. 1-410) in the automatic transfer control system according to the present invention.

First, a user inputs user information through the Internet and registers a member (2-1). Enter the issued ID and password (2-2) and access the database (Fig. 1-300) via a web server. Register the bank account, card or payment substitute means (Fig. 2-3) and check the details of the direct debit company (2-4) linked to the information of the direct debit request company. After checking, register, add or delete the information of bank account and bank transfer request company (2-5). After checking the payment possible means (bankbook, card) associated with the registered direct debit request company, select the company to be paid first (Payment 2-6) and the second, third and fourth positions. When the payment date is selected, the direct debit is processed according to the debit condition (2-7), and all the work is completed after the notification of the processing details (Fig. 2-8).

3 is a detailed description of the process performed when the priority is determined by the automatic transfer system system control unit (FIGS. 1-410) (FIGS. 2 and 2-6) in the automatic transfer control system according to the present invention.

The debit system control unit registers, adds, and deletes the debiting company and the linked account after confirming the debit history (3-1). (3-2) Based on this, the debit priority is decided according to the importance. -3) and process. Direct debit priority selection includes details of the debit applicant's information, payment day, deposit request amount, late payment fee, the amount of disadvantages (e.g., telephone interruption, gas interruption, electrical interruption, etc.) and credit penalty. Divide it, add it in detail or select it, select it, and set the relevant company (even if it is multiple, set the 1st, 2nd, 3rd priority) and put it in the priority condition 1, then the direct debit will be executed from the 1st priority of this company. (3-5) After the second rank is over, the next priority order condition 2 is selected and the correct companies are connected thereto (Fig. 3-6). In this way, you just need to set n conditions and link them to them. It is then automatically executed in order by priority order. Of course, all conditions can always be changed.

Post-processing and unprocessed details will be notified via voice and text e-mail (3-8) and finished. (3-9)

If the direct debit amount is not enough, first specify the order to be done. In addition, it is possible to perform automatic transfer by selecting order control method through conditional statement beyond simple ordering.

In the simple ordering method, if the amount is insufficient in step 1, run 2, run 3, run 4, then select the priority, go to the next step and move to the next step. If there is a corresponding amount in the ranking, it is executed by executing the ranking until the amount is insufficient.

Condition control method means that the order of automatic transfer is changed according to the condition.

For example, you can make a deposit in the order of the least amount of the company's deposit request, make the deposit request start at the largest amount, or run two or more conditions at once. Start with the highest overdue rate and the lowest. You can control your direct debit by providing conditions such as high delinquent months and starting with the highest amount. In some cases, the product may not be available due to product defects or the company's default, but it may be necessary to avoid remittance. However, there were a lot of problems with the program, so it was a direct debit. However, this automatic debit control system can solve this problem by preventing automatic debit.

4 is related to the balance shortage guidance system (Fig. 1-420) in the automatic transfer control system.

When the direct debit processing is completed after the direct debit processing, the unpaid automatic debit and the balance information of the account (4-1), and the automatic debit processing is completed (4-3 yes). Finish after the result notice (4-4). (4-5)

When the direct debit is not completed (4-3 no) The unpaid debit and the amount of the shortage are processed by the data conversion unit (4-6) in the database (4-1). The guidance is guided through the method set by the user in the answering machine. When the user confirms this through the communication device, if the user does not take any action, the work is completed. If the user does not confirm, the user is notified at regular intervals.

5 is an immediate connection processing system at the time of guidance in the automatic transfer control system.

When the user is informed by the lack of balance guidance system (Figs. 4 and 5-1) (5-2) through the automatic response unit (5-3), if the user responds within the designated time, the automatic response unit is automatically connected (5 -3) Then enter your ID and password (5-4) and connect with the direct debit control unit (5-5) to check the debit priorities and select again (5-6) and the payment connection system (5-7) ), You can connect your card with another bank, or choose a payment method, such as a credit loan or negative account, to execute it and receive a report on the result (5-8). 9)

This immediate connection processing system is to notify the processing result and insufficient balance through communication means in real time about the contents that were not processed due to insufficient balance, and allow the user to check the reported result and execute other conditions immediately. For example, if the outstanding amount is 50,000 won, after checking, if the execution condition 1 is a negative loan of the bank itself, press 1 if the execution button is 1, and if the execution password is entered, it is automatically executed through the negative loan. Otherwise, if condition 1 is a direct debit from another bank, press the run button 1 and the run password to tell the result and the balance of the bank. If you apply for direct debit and do not decide on a bank, you will be informed of the bank name and balance. The user then selects the bank and automatically takes care of it. As such, it illustrates the process of executing the user's additional authentication after processing in the automatic transfer system.

6 illustrates the fee settlement system (FIGS. 1-440) in the direct debit control system (FIGS. 1-400).

Individuals, banks / card companies, and direct debit requesting companies (6-1) subscribe to the direct debit control system or directly access the database and receive a controllable ID and password. (6-2) The fee will be selected (6-3) and the fee will be charged and settled as monthly fee (6-11), unit fee (6-21), and fee per use amount (6-31). .

In the case of monthly fee (6-11), if a certain amount is paid, automatic debit will be executed throughout the month.

In the case of the case unit fee (6-21), it refers to a method of paying the use rate (6-40) by granting a certain rate per case executed when the automatic transfer is executed (6-22).

The fee per use amount (6-31) is a fee (6-34) for the execution of the direct debit (6-33) for the specified fee-based fee rate or by the agreed fee-based fee rate (6-32). It refers to the way in which payment (6-40) is made.

Fig. 7 relates to the payment holding system (Fig. 1-450) in the direct debit control system (Fig. 1-400).

The payment holding system (Fig. 1-450) selects priorities (7-2) from the direct debit priority control unit (7-1, Fig. 1-410), and selects a company and a connection account (7-3). This is the most urgent and important time. If you do not pay for this case, you should choose a payment holding for this payment (7-4) when you are asked about credit failure, telephone disconnection, power failure, high interest rate late fee, etc. When a payment request (7-5) is made to a selected company, the requested amount is held in the linked account. (7-6) In this case, holding means transfers the requested amount until another payment is made to the requested company. In the case of a withdrawal request for the amount, this means ignoring it and only keeping the amount until the company's request is automatically debited.

If the balance of the account is larger than the amount of payment required by the holding request (7-7 no), an order for suspending the settlement of payments (7-8) shall be issued for the amount of the settlement, and the transfer and withdrawal shall be made freely for the amount other than the amount. When the settlement date is reached, the relevant amount is automatically debited to the company (7-9), the result is notified (7-10), and all work is completed. (7-13)

If the amount of payment exceeds the balance (7-7 yes), a request for deposit (7-11) will be made for the shortage of the amount of payment. Decrease the payment or withdrawal until the due date is debited. After the automatic transfer of the amount on the designated date, the result is notified (7-10) and the work is completed (7-13).

8 is a payment connection system.

8-1 relates to payment account registration.

In the direct debit control system 8-1, basically one payment method is paired with one payment request company. However, the main task of the payment linking system is to link the payment method to a payment account that can be used if the balance is low and other bank accounts or cards have a payment amount. If you choose to connect other payment methods in the payment account linking system when your balance is insufficient, you can select another bank or card payment method to give priority to all the bank accounts and cards you can hold. can do. If there is no balance of the first set payment method, the next selected card company or bank is checked. In addition, if the payment amount is insufficient, it is requested to the last established bank or card company, and if the deposit request is insufficient until the end, it is delinquent by providing loan-related services by self-credit loan, negative account, credit loan, service provider self-assessment and credit institution evaluation. B Prevents the user's damages and damages due to unpaid deposits.

8-2 is a payment connection processing diagram.

When the direct debit control system requests payment connection to another account, it connects to another bank or card company's payment account selected as the next rank in FIG. 8-1, and if the requested amount is correct, the debit service is automatically debited. Otherwise, the amount will be automatically debited to the company by debit priority, to the extent available through credit services.

9 is for the payment of the balance of the bank account in one account at the time of payment connection processing in the automatic connection system.

When a direct debit request company makes a payment request (9-1), if the balance of the first-order payment account is greater than the payment request amount (9-2 yes), the debit is executed (9-11).

Otherwise (9-2 no) go to the 2nd payment account and if the 2nd balance is greater than the payment request (9-3 yes), execute the direct debit (9-11) and finish (9-12) otherwise 3 If the amount is requested in the payment account and the amount in the payment account is small, the next company continues to the last company. (9-5)

Even if the amount of the payment account is small, even the last company checks if the sum of the first and last payment accounts is greater than the requested amount (9-6) and if it is large (9-6 yes), the balance of all accounts in the specified limit account. Transfer (9-11) and execute direct debit (9-11) and finish (9-12).

If the balance of your payment account is small (9-6 no), you will be notified (9-7) and you will be finished (9-8).

The present invention eliminates the disadvantage that the existing direct debit can only apply and cancel the actual user, the consumer can apply, add, cancel direct debit directly and the direct debit of the consumer that was generated due to the direct debit of the company It is effective in preventing damage. In addition, if the balance of the payment account is insufficient, no matter how much money is in the other account, it should be overdue, but by using this invention, it is possible to prevent delinquency by automatically debiting through another bank, card company or other payment method. It became.

In addition, the user can directly select and control various methods of direct debit for direct debit, so that the debit history can be known and managed effectively. Banks can also benefit from short-term loans. Direct debit providers also have the ability to get out of liquidity due to the fast deposit of payments.

Claims (8)

A web server for assigning an ID when a user newly registers; A database including user information input at the time of new registration after accessing the ID given by the web server, the available amount and balance of the bank account and card company, and the details of the automatic transfer application connected to each bank account and the card; A direct debit requestor database that provides information on the companies requesting direct debit and can apply for direct debit directly; A database in which the user makes an additional deletion change of a direct debit and payment card company, an additional deletion change of a direct debit request company, and stores the contents of the user information and the debit request company information received from the database; A debit priority control unit for automatically changing the debit execution order according to the debit priority and the condition statement execution of the user information received from the database and the bank card company information connected thereto; A direct control system in which a user selects an automatic transfer method using a communication means; Balance shortage guidance system that notifies the balance of the bank account or card balance when the transfer amount is insufficient through a communication means; A system for performing a payment holding company selection, a connection account designation, a payment amount request, a payment holding command for the requested amount, and a payment date payment holding amount transfer in the direct debit priority control unit; In case of insufficient balance, the payment connection system connects to other banks, cards and credit loans, and the transfer guidance system notifies you when the balance is insufficient. Prompt condition processing system; A fee settlement system for calculating and processing required costs incurred in processing; Automatic transfer control system comprising a The web server of claim 1, further comprising: a web server for assigning an ID to the automatic debit control system; An input unit for inputting an issued ID and password; Bank account, automatic debit payment means registration; Direct debit check; Modifying direct debit registration; Direct debit prioritization; Processing by direct debit conditions; Automatic transfer priority control system comprising a; processing history notification; According to claim 2, Enter the ID (number) issued when the notification, including all the contents of paragraph 2 unprocessed debit history through the communication means, input password; Automatic transfer control system automatic connection; Conditional text message transmission conditional text message transmission; Conditional statement execution number pressed; Double check condition execution number and contents; Conditional statement execution; Results Notification; System, characterized in that for controlling the real-time conditions through communication, such as telephone, PDA, the Internet, characterized in that comprises; According to claim 2, the debit priority control system, if the priority selection, company selection and connection account designation, payment holding selection, the debit requester requests the payment amount until it is settled on the date of direct debit The payment holding system, characterized in that the remaining amount is not always settled even if a payment request with a different payment date arrives in the payment account and the amount is automatically transferred to the account on the date of the direct payment. The payment holding system according to claim 4, wherein the payment amount remains after a specified date without leaving the payment amount immediately upon request when the direct debit payment request is made. The fee settlement system of claim 1, which charges and settles the fees according to the contract terms (per month, case, use amount) when making an automatic transfer using the automatic transfer control system. The method of claim 2, wherein when the balance is insufficient from the designated bank account, the direct transfer control method is connected to the other bank account designated by the last. 8. The method of claim 7, wherein when the balance is insufficient until the last bank account, the balance of the bank account is added, and when it is more than the requested amount, the bank account is automatically transferred to one bank account and the automatic debit settlement method is performed.