KR20010086959A - Method for cost lump-sum payment by internet - Google Patents

Abstract

PURPOSE: A collective payment method using the Internet is provided to maximize convenience and minimize time and costs by collectively processing all dues. CONSTITUTION: If a user accesses the homepage of a web site(S101), the homepage asks him whether he is a member(S103). In case that the user wants to join the web site, the user inputs his personal information, ID, password and payment account and registers as a member(S105). Then the user inputs information related to payment(S106). The member information inputted through the user's web browser is stored in a database according to a command from a web server(S107). Afterward the user accesses the web site at a point of time that he wants settlement for various public imposts, and inquires charge details of the web server(S109). The web server displays a money-due table to the user's computer. After confirming the details of the money-due table, the user executes revision, registration or deletion for it(S111). Then the user directs the web server to pay the charges(S113-S115). The web server carries out payment from the registered payment account to claimants' deposit accounts using an Internet banking system(S117).

Description

How to make a bulk payment over the internet {METHOD FOR COST LUMP-SUM PAYMENT BY INTERNET}

The present invention relates to a bulk payment method through the Internet, and more particularly, to a bulk payment method through the Internet that can be used to pay a variety of payments over the Internet at one time in place of payment means such as various branch payments, automatic transfers.

As consumers enter into the credit society, consumers pay various expenses by trading various products and services with credit, and also pay various bills through banks on a regular basis, and deposit various dues, donations, and premiums on a regular basis. As the account is automatically debited, the Giro system and the door-to-door collection are used for billing and settlement of various conventional products and services. Among them, the Jiro system can prevent accidents such as loss or theft due to possession of cash and checks, and there is no risk of bankruptcy such as forgery or forgery, so that safe transactions are possible, and all bank stores (including post offices) are stored and paid. It can be used as a window and is used as a major payment method due to the advantages of saving time and expenses since the parties do not have to meet in person.In 1999, the total number of payments made by the Giro system was 636,245,000, with an average of 2,135,000 per day. It is getting to the thing. Looking at the kind of such a system, such as general payment, electricity bill storage, local tax storage transfer as a means of payment by means of payment, and payment methods such as automatic account transfer, payer automatic account transfer, mass payment, etc. The following is a detailed description of these.

A general account transfer as a payment method by means of payment is a method of payment using a payment, unlike an electronic payment method that is processed electronically. A company that receives various payments from customers continuously receives a Giro number from the KFTC. ), And the customer pays the giro slip and payment to the bank, and the KFTC computes the giro slip and deposits the received funds into the bank account of the receiving company and notifies the deposit. It is a system that does it. 6 is an explanatory diagram for explaining such a conventional branch payment procedure. The use of general account transfer is insurance premiums, credit card payments, newspaper subscription fees, student fees, and other goods.

However, the billing company's general account transfer method based on such a bill is: ① Excessive collection fee incurred (currently 40 won per case, to be raised to 700 won in the future) ② Billing and delivery costs, ③ Consumer In case of moving or changing address, there are disadvantages such as returning bills, ④ excessive flow of funds and due dates, and complicated matters. From the payer's point of view, ① waste of bank visit time, ② loss of bills and excessive payments, ③ There are disadvantages such as the complexity of the payment date for each claim, ④ the inability to receive a bill when moving, and the financial institution's point of view is that ① the work is concentrated due to the payment deadline, and the window work is inefficient. Problems such as poor quality.

In the meantime, automatic account transfer by means of a debit card is a payment method that automatically withdraws various payments that must be paid or received on a regular basis from the payer's bank account and deposits them into the depositor's savings account. It is a payment method that automatically transfers a certain amount to be remitted or paid from a customer's savings account to a predetermined savings account on a fixed day each month. These methods are mainly used for telephone bills, electricity bills, water and sewage bills, insurance fees, merchandise sales fees, lease fees, national taxes, cable broadcasting fees, mobile telecommunication fees, loan principals, savings, trust deposits, installments, subscription savings, dues, and parent remittances. Can be.

However, such automatic account transfer and automatic payment by the payer, the billing person's point of view, ① the deposit is waiting in the bank, the fund rotation is reduced, ② there is a problem that the communication cost (delivery cost) is generated by notification of the details by mail, From the point of view of the payer, ① The charge is automatically transferred without checking the billing fee, and there is anxiety about financial accidents or crimes. ② Incorrect billing and excessive billing are settled without the checking procedure. The procedure for doing so is very difficult, and ③ the procedure for signing up and canceling direct debit is difficult.

On the other hand, payment by visiting collections can be made from the point of view of the claimant. ① There is a cost problem due to visiting collection personnel. ② The absence of the payer / relocation and difficulty in tracking the address. Anxiety ② There is a problem that you must have cash at home.

The present invention has been made to solve the conventional problems as described above, the object of the present invention can be handled all the payment costs collectively can maximize the convenience and time, cost can be minimized over the Internet It is to provide a bulk payment method.

Another object of the present invention is to provide a bill payment method through the Internet that can alleviate the anxiety of the payer by being able to settle only the costs to be paid by inquiring all the payment amount at once.

1 is a flow chart of a batch payment method through the Internet according to the present invention.

Figure 2 is a block diagram illustrating a payment system according to the bulk payment method via the Internet according to the present invention.

Figure 3 is a diagram showing one embodiment of a utility bill registered for the bulk payment, displayed in the member's web browser window in accordance with the present invention.

Figure 4 is a view showing an embodiment of the registration details of the billing company displayed in the member's web browser window in accordance with the present invention.

Figure 5 illustrates one embodiment of a member's payment bill, which is displayed in a member's web browser window in accordance with the present invention.

6 is an explanatory diagram for explaining a conventional branch payment process.

In order to achieve the above object, in the bulk payment method through the Internet according to the present invention, a user registers as a member on a website, and the member identification information, information on a member withdrawal account, and information on the type of payment is made in a database. Storing; Collecting, by the web server, information about the billing party and the billing information according to the information registered by the member from the billing system and storing in the database; Requesting a member to inquire information about a predetermined price from a web server; Generating, by the web server, a price list according to a member's request from the data stored in the database and outputting it to a web browser; A member checking the billing details of the bill displayed on the web browser; According to an inquiry result, a member issues a payment order to a web server, and internet banking is performed from a member's bank account to a biller's bank account, and the processing result is stored in the database.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a flow chart of a batch payment method through the Internet according to the present invention, Figure 2 is a block diagram illustrating a payment system according to the batch payment method through the Internet according to the present invention, the Internet according to the invention as shown The bulk payment method through the step of storing the information about the member in the database, collecting the payment information, request for inquiry of the payment history, outputting information about the predetermined payment to the web browser, billing history It consists of a step of confirming, payment.

The user who wishes to pay the bulk price through the Internet of the present invention first accesses the homepage of the website implementing the present invention (S101) and registers as a member. On the homepage appears a screen asking whether the member (S103) At this time, the user who wants to register as a member to register his or her personal information, ID, password, the user's withdrawal account (S105). After the member registration is made, the payment related information such as the type of payment and the company to be paid is input (S106). Figure 3 is a view showing an embodiment of the billing history registered for the bulk payment, displayed in the member's web browser window according to the present invention, Figure 4 is a bill displayed in the member's web browser window according to the present invention It is a figure which shows one Example of the registration details of a company. Member information input through the member's web browser 21 is stored in the database 25 according to the command of the web server 23 (S107).

When the membership registration is made, the web server 23 requests the management system 27 for basic information, billing account number, and billing information, etc. according to the payment type requested by the member on a predetermined date. do. The management system 27 collects such data from the billing system 29 and stores it in the database 25 (S107). Utility information collected at this time is the user's name, address, customer number, billing amount, deadline, date of use (period), unpaid amount.

The member accesses the corresponding website at the time of the payment of various utility bills, etc. and inquires the billing details of the month (S109). The web server 23 displays the payment slip as shown in Fig. 5 from the database 25 on the user's computer. 5 is a view showing an embodiment of a member's payment list, which is displayed in a member's web browser window according to the present invention. The member checks the details of the displayed payment list in detail and corrects, registers, and deletes it (S111). After checking the details, the user instructs whether or not the payment is made (S113), and the web server 23 checks whether the payment is made (S115), and when an order is issued to pay the price, the Internet banking system 31 is used. The deposit is made directly from the member's registered withdrawal account to the claimant's deposit account (S117). In this case, the user may selectively designate some of the billing details and deposit only the selected bill amount. When the payment is made through Internet banking, the web server 23 stores the result in the database 25 and simultaneously transmits the result to the billing company's system 29 to complete the payment.

The payment method through the Internet in accordance with the present invention is not limited to the embodiments described above, but within the scope of the technical concept of the present invention, all purchases, service costs, various utilities, including one person at the same time transfer the funds to multiple parties It can be extended to a system which can be applied to various taxes collected by national or local organizations.

Next, the effect of the package payment method through the Internet according to the present invention of the above-described configuration.

According to the present invention, since the user can directly select and register payments such as bills and payments through the Internet, the user can collectively make payments, thereby reducing waste of time and facilitating management of payment deadlines. In addition, once a user registers as a member of the website, he / she can check the payment details of the month from time to time, and can check the payment contents of the month in a single inquiry and do not create a separate household account book. Even if it is all, payment of the price can grasp at a glance clearly.

In addition, the user can directly check the payment contents of the month and instruct whether payment is possible, and it can solve the anxiety by objecting to the incorrect request or rejecting the payment.

In addition, the billing company is economical because it is possible to reduce the excessive billing processing costs and billing issuance costs, it is easy to manage the address of the consumer.

The present invention eliminates all the cumbersome procedures such as bills, bills, and direct debits in accordance with the era of the Internet revolution, the user can directly manage the payment of various payments, the best economical in terms of personnel, procedures, expenses Will be used.

Claims (3)

Registering a user as a member on a website and storing member identification information, information about a member withdrawal account, and information on types of payments in a database; Collecting, by the web server, information about the billing party and the billing information according to the information registered by the member from the billing system and storing in the database; Requesting a member to inquire information about a predetermined price from a web server; Generating, by the web server, a price list according to a member's request from the data stored in the database and outputting it to a web browser; A member checking the billing details of the bill displayed on the web browser; Internet payment is performed by the member by making a payment order to the web server according to the inquiry result from the member's bank account to the biller's bank account, and the processing result is stored in the database. How to pay in bulk via. The method of claim 1, wherein the user issues an order to selectively designate a part of the billing details or to designate all of the billing details according to the inquiry result. The method according to claim 1 or 2, further comprising the step of transmitting the processing result to the billing system after the payment is made by Internet banking.