KR20020030056A - Transfer account service method using personal identification number or business registration number - Google Patents

Abstract

PURPOSE: A method for an automatic transfer service using an ID(Identification) and a business registration number is provided to promote the credibility and the receipt rate in money transfer by using an ID number of a business registration number of a customer. CONSTITUTION: The terminals of a financial organization transmit client information including the ID number, name, the amount of money, and the particulars to a server computer of a service organization through the Internet, an exclusive line, or a telephone line(S10). The server computer searches the existence of an account designated by a client(S11), and transmits automatic transfer data to servers of designated banks(S12). The bank servers search the existence of a client's account(S13). If a designated account exists, the bank servers perform the transfer. The result is informed to the server computer(S17), and stored in a client information database(S18). If the transfer is not completed due to the shortage of the balance, the transfer-failed data are transmitted to the server computer(S16).

Description

How to provide direct debit service using your social security number or business registration number {TRANSFER ACCOUNT SERVICE METHOD USING PERSONAL IDENTIFICATION NUMBER OR BUSINESS REGISTRATION NUMBER}

The present invention relates to a method for providing an automatic transfer service using a resident registration number or a business registration number. More particularly, the present invention searches for an account using a resident registration number or a business registration number of a customer and checks the transferable balance according to priority. The present invention relates to a method for providing automatic transfer service using a social security number or a business registration number.

According to the technical idea of the present invention, if the customer is a natural person, the account may be searched using a social security number, and if the customer is a corporation, the account may be searched using a business registration number, and in other cases, a separate country is designated. The account is searched through the unique number of the direct debit service to perform all applicable.

In general, many people use the direct debit service when they have to pay a regular fee, such as the cost of using the service such as electricity bills, telephone bills, apartment management fees, and various meeting fees. In addition, companies that need to collect money (hereinafter referred to as credit institutions) are also recommending automatic transfer for convenience and cost reduction. In recent years, certain companies, including telecommunications companies and credit card companies, have limited the need to make direct payments for the use of the service, or even offer a discount to part of the fee if the payment is made by direct debit. .

As the direct debit service is expanded as described above, cash storage, giro paper sending, and storage at bank counters as in the past are gradually disappearing, but it is still difficult to fully collect money. This is because it is not possible to transfer money if there is no balance in the account that the customer decides to pay through direct debit. In some cases, this can lead to direct debit agreements with bank accounts that do not have real balances. In particular, many cases have been found in the issuance of credit card and mobile phone subscription.

Generally, if there is no balance in the bank account that the customer has agreed to direct debit, the lender will overdue the payment due and request a transfer again after a certain period of time, or send the bill again by mail. In addition, even if a customer has a balance in another bank account, he / she must secure the balance by bank transfer in advance if there is no balance in the bank account agreed with the creditor institution. You lose. In particular, a certain period of time may result in a disadvantage of being registered as a bad credit.

The above-mentioned direct debit service is not a problem when a customer transacts a single bank, but most of them do business with multiple banks and change their house banks for various reasons. There are many cases where contracts are not made, and inevitably, overdue payments occur.

The present invention has been made to solve the above problems, the purpose is to provide a direct debit service based on the customer's social security number or business registration number to solve the problem of the debit service based on the existing bank account The present invention provides a method for providing a direct debit service using a resident registration number or a business registration number that can increase the certainty and the storage rate of the transfer price by enabling direct debit from a plurality of bank accounts.

According to an aspect of the present invention for achieving the above object, a first process of receiving direct debit data from the credit institution, and performing the direct debit in the account designated by the customer by transmitting the debit data to a designated withdrawal bank ; And if there is no direct debit in the first step, check whether there is a list of accounts registered in the database, and send the debit data to the corresponding bank according to the order of the account list. It provides a method of providing a direct debit service using a resident registration number or a business registration number comprising a second process of searching for a customer's account using a and performing an automatic transfer if the account exists.

In this case, according to an additional feature of the present invention, the first process may include a first step of receiving direct debit data from a credit institution; A second step of confirming whether a withdrawal bank or an account is designated by the customer after the first step is made; A third step of transmitting the debit data to the designated bank when the withdrawal bank or the account is designated in the second step; A fourth step of retrieving whether the designated bank of the customer exists in the bank which has received the direct debit data in the third step, and returning the nonexistent data if the account does not exist; A fifth step of performing a transfer when a designated account exists in the fourth step, and returning non-transfer data if the transfer is not made due to insufficient funds; And a sixth step of storing the processing result in a database and returning the result to the credit institution when the transfer is normally performed in the fifth step.

In this case, according to another additional feature of the present invention, the second process may include a first step of confirming whether an account list of a customer registered in the database exists; A second step of selecting an account with a recent withdrawal from the searched account list after the first step is performed and transmitting the direct debit data to the bank of the corresponding account; A third step of retrieving whether the corresponding account exists by using the resident registration number or the business registration number of the customer in the bank which received the direct debit data in the second step, and returning the nonexistent data if the account does not exist; A fourth step of performing a transfer when an account exists in the third step and returning non-transfer data if the transfer is not made due to insufficient funds; A fifth step of storing the processing result in a database and returning the result to a credit institution when the transfer is normally performed in the fourth step; And if the transfer is not normally performed in the fourth step, check whether the subordinate bank determined in the first step exists and if so, transmit the direct debit data to the corresponding subordinate bank so that the third to fifth steps are repeated. It is preferably made to include; a sixth step to be performed as.

In addition, according to another additional feature of the present invention, if the debit is not made in the second process, the order is determined for all existing banks and the debit data are sequentially transmitted according to the priority of each bank. By doing so, a third step of searching for the customer's account using the resident registration number or the business registration number of the customer in the bank and performing an automatic transfer if the account exists;

In this case, the third process may include: a first step of determining the order of all banks in the country and selecting the priority of each bank except for the bank which has transmitted the data in the first and second processes; A second step of transmitting direct debit data to a first ranking bank after the first step is made; A third step of retrieving whether an account exists by using the resident registration number or the business registration number of the customer at the bank which received the direct debit data in the second step, and returning the account nonexistent data if the account does not exist; A fourth step of performing a transfer when an account exists in the third step and returning non-transfer data if the transfer is not made due to insufficient funds; And a fifth step of storing the processing result in a database and returning the result to the credit institution when the transfer is normally performed in the fourth step.

In addition, when the transfer is not normally performed in the fourth step, it is determined whether there is a bank of the subordinated level determined in the first step, and if there is a transfer, the direct debit data is transmitted to the subordinated bank. A sixth step to be performed repeatedly; And a seventh step of determining that the bank cannot be processed if the subordinate bank does not exist in the sixth step, storing the result in a database, and returning the result to a credit institution.

1 shows a schematic configuration of a system for implementing the present invention.

2 is a flowchart illustrating operation according to an embodiment of the present invention.

3 is a diagram showing an example of data transmitted from a credit institution terminal to a server computer according to the present invention.

4 is a diagram illustrating an example of data stored in a customer information DB according to the present invention.

5 is a diagram showing an example of data transmitted from a server computer to a bank server according to the present invention.

6 is a diagram showing an example of data transmitted from a bank server to a server computer according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10: server computer 15: customer information DB

21, 22, 23: credit institution terminal 31, 32, 33: bank server

41, 42, 43: Bank DB

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

Hereinafter, the present invention will be described as a preferred embodiment a process of performing automatic transfer using a resident registration number as a natural person, but the technical idea of the present invention is not limited or limited thereto. Of course it can be.

1 is a view showing a schematic configuration of a system for implementing the present invention, Figure 2 is a flow chart showing the operation according to an embodiment of the present invention.

Referring to FIG. 1, reference numeral 10 denotes a server computer for providing a service according to the present invention, and 15 denotes a customer information DB connected to the server computer 10 to store various types of information of customers. .

In addition, reference numerals 21, 22, and 23 represent a credit institution terminal that provides automatic transfer information and customer information to the server computer 10, which is connected to the server computer 10 by an internet network, a dedicated line or a telephone line, thereby communicating. It is configured to be possible.

In addition, reference numerals 31, 32, and 33 represent bank servers installed in each bank to perform automatic transfers, and 41, 42, and 43 are connected to the respective bank servers 31, 32, and 33 for various banking operations. Represents a bank DB that stores information.

In order to perform the direct debit service of the present invention using the above system, a service agency operating the server computer 10 enters into a service contract with each bank, establishes a customer information DB 15, and establishes a customer account for each bank. The information must be stored, and the latest account change history, that is, new and closed, is received from the bank server (31, 32, 33) and updated after the daily banking end time.

However, when it is difficult for the bank to provide the customer's account information to the service institution for financial information protection or the like, the customer information DB 15 is built by storing the processing result information step by step while providing the service.

In addition, although the credit institution that should accept the payment has conventionally signed a direct debit payment agreement by specifying a specific bank and account number, the account holder, but for the direct debit service of the present invention, the free agency withdrawal ceremony of all banks held by the customer You are committed to making a direct debit payment through your savings account. At this time, the customer may set the priority of the bank or account to be paid by direct debit for their convenience. When the customer sets the priority, the service agency makes a transfer request according to the priority. If there is no priority, the service agency makes a transfer request from the bank with which it was most recently withdrawn, or if there is no recent withdrawal record.

The operation of the present invention using the system having the above configuration will be described in detail with reference to the flowchart of FIG. 2.

First, the terminal (21, 22, 23) of the credit institution that will accept the payment through the direct debit from the customer service including the customer's information, that is, the resident registration number, name, amount, content, etc. as shown in FIG. The server server 10 of the organization transmits through a communication network such as an internet network, a dedicated line or a telephone line. (See step S10.)

The server computer 10 receiving the transfer request as described above checks whether the withdrawal bank or account is designated by the customer (see step S11), and if the withdrawal bank or account is designated, the bank server of the designated bank ( The corresponding direct debit data is transmitted to 31, 32 and 33 (see step S12).

The bank servers 31, 32, and 33 receiving the direct debit data search for whether the customer's designated account exists using the bank servers 41, 42, and 43 (see step S13), and the designated account does not exist. If not, the server computer 10 returns data indicating that the account does not exist (see step S14).

If the designated account exists in step S13, the bank server (31, 32, 33) will be transferred from the account. At this time, it is checked whether the transfer is normally performed (see step S15), and if the transfer is not made due to insufficient balance, the transfer data is returned to the server computer 10 (see step S16).

When the transfer is normally performed in step S15, the server computer 10 returns the processing result data (see step S17), and stores the processing result in the customer information DB 15 (see step S18). The result is returned by returning to (21, 22, 23) (see step S19).

On the other hand, when the withdrawal bank or account is not designated by the customer in step S11, the account nonexistent data is returned by the step S14, or when the transfer non-transferable data is returned by the step S16, the customer information DB (15). ) To retrieve the information of the customer (see step S20), and extracts the information such as the bank and account number and the recent transfer history held by the customer as shown in FIG.

At this time, it is determined whether the customer account information exists (see step S21), and if there is a priority designated by the customer, if there is a priority, from the bank designated by the customer, or the bank with which the most recently withdrawn, if there is no priority, If not, the data is transmitted to the bank servers 31, 32, and 33 in any order. (See step S22.) At this time, the data transmitted from the server computer 10 to the bank servers 31, 32, 33 are As shown in FIG.

The bank server (31, 32, 33) receiving the data, using the bank DB (41, 42, 43) to search whether the account exists based on the customer's social security number or business registration number (see step S23), designation If the account does not exist, the server computer 10 returns data indicating that the account does not exist (see step S24).

If there is an account at step S23, the bank server 31, 32, 33 will transfer money from the account. At this time, it is checked whether the transfer is normally performed (see step S25), and if the transfer is not made due to insufficient balance, the transfer data is returned to the server computer 10 (see step S26). If implemented, steps S17 to S19 are performed.

If the transfer is not normally performed by the steps S24 and S26, the customer information DB 15 searches whether the bank with the next withdrawal date exists (see step S27), and if so, automatically transfers to the corresponding subordinate bank. By transferring the transfer data (see step S28), the process proceeds to step S23 to repeat the above process to perform the transfer. On the other hand, if there is no subordinate bank in step S27 proceeds to step S30.

If the bank server 31, 32, 33 does not transfer normally, the server computer 10 returns the data as shown in FIG.

On the other hand, if the customer account information does not exist in step S21, or the account non-existent data is returned in step S24 or non-transfer non-transfer data in step S26 is returned to all banks that can be serviced The order is determined (see step S30), and the first bank to be ranked is selected (see step S40).

In this case, it is determined whether the bank selected as the first ranking target bank is the bank which has transmitted the data in the above process (see step S41), and when there is no duplication, the automatic transfer data is sent to the target bank selected as the first ranking bank. (Refer to step S42) The bank servers 31, 32, and 33 receiving the direct debit data use the bank DBs 41, 42, and 43 to determine whether an account exists based on the customer's social security number or business registration number. If no account exists (see step S43), the server computer 10 returns data indicating that the account does not exist (see step S44).

If the account exists in step S43, the bank server (31, 32, 33) will be transferred from the account. At this time, it is checked whether the transfer is normally performed (see step S45), and if the transfer is not made due to insufficient balance, the transfer data is returned to the server computer 10 (see step S46). If implemented, steps S17 to S19 are performed.

On the other hand, if the bank selected in step S41 is duplicated, or the account nonexistent data is returned in step S44, or if the transfer non-transferable data is returned in step S46, check whether there is a subordinate bank that can be subject to service. If there is no subordinate bank (step S50), it is determined that it cannot be processed and the result is stored in the database (see step S51), and steps S18 and S19 are performed. In addition, if there is a subordinated bank in S50, the subordinated bank is selected (see step S60), and the process proceeds to step S41 to repeat the above processes to perform the transfer.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, by applying the method of providing a direct debit service using the resident registration number or the business registration number of the present invention, it is possible to support automatic transfers from the accounts of multiple banks, thereby increasing the certainty and the storage rate of the money transfer. There is an effect that becomes possible.

In addition, the credit institution's position can significantly improve the money storage rate by performing a transfer to all bank accounts based on the customer's social security number or business registration number. There is an effect that can increase the probability of recovering the bond from termination or withdrawal of the deposit.

In addition, even if it is difficult to enter into a direct debit service agreement with a bank, such as small businesses, non-profit organizations, small groups, it is effective to use a direct debit service through a service agency.

In addition, the general customer can avoid the unexpected overdue due to the lack of the balance of a specific account, and in the case of the change of the main bank, the inconvenience of having to change the automatic payment account is also effective. .

Claims (6)

A first step of receiving direct debit data from a credit institution and performing direct debit on an account designated by a customer by transmitting the debit data to a designated withdrawal bank; And If the direct debit is not made in the first step, check whether the account list registered in the database exists and send the debit data to the bank according to the order of the account list so that the bank sends the resident registration number or business registration number of the customer. Searching for the customer's account by using a second step of performing the automatic transfer if the account exists; Method of providing a direct debit service using a social security number or business registration number comprising a. The method of claim 1, The first process may include a first step of receiving direct debit data from a credit institution; A second step of confirming whether a withdrawal bank or an account is designated by the customer after the first step is made; A third step of transmitting the debit data to the designated bank when the withdrawal bank or the account is designated in the second step; A fourth step of retrieving whether the designated bank of the customer exists in the bank which has received the direct debit data in the third step and returning the nonexistent data if the account does not exist; A fifth step of performing a transfer when a designated account exists in the fourth step, and returning non-transfer data if the transfer is not made due to insufficient funds; And And a sixth step of storing the processing result in a database and returning the result to the credit institution when the transfer is normally performed in the fifth step. The automatic transfer service using the resident registration number or the business registration number is provided. Way. The method of claim 1, The second step may include a first step of confirming whether an account list of a customer registered in the database exists; A second step of selecting an account with a recent withdrawal from the searched account list after the first step is performed and transmitting the direct debit data to the bank of the corresponding account; A third step of retrieving whether the corresponding account exists by using the resident registration number or the business registration number of the customer in the bank which received the direct debit data in the second step, and returning the nonexistent data if the account does not exist; A fourth step of performing a transfer when an account exists in the third step and returning non-transfer data if the transfer is not made due to insufficient funds; A fifth step of storing the processing result in a database and returning the result to a credit institution when the transfer is normally performed in the fourth step; And If the transfer is not normally performed in the fourth step, it is determined whether the subordinate bank determined in the first step exists, and if it exists, the direct debit data is transmitted to the subordinate bank so that the third to fifth steps are repeated. A sixth step to be performed; Method of providing a direct debit service using a resident registration number or business registration number comprising a. The method of claim 1, If the direct debit is not made in the second step, the bank decides the order of all existing banks and sends the debit data sequentially according to the priority of each bank. Searching for the customer's account by using a third step of performing the automatic transfer if the account exists; The method of providing a direct debit service using a social security number or business registration number further comprising. The method of claim 4, wherein The third process may include: a first step of determining an order of all banks in the country and selecting priorities of each bank except for the banks that have transmitted data in the first and second processes; A second step of transmitting direct debit data to a first ranking bank after the first step is made; A third step of retrieving whether an account exists by using the resident registration number or the business registration number of the customer at the bank which received the direct debit data in the second step, and returning the account nonexistent data if the account does not exist; A fourth step of performing a transfer when an account exists in the third step and returning non-transfer data if the transfer is not made due to insufficient funds; And A fifth step of storing the processing result in a database and returning the result to a credit institution when the transfer is normally performed in the fourth step; providing an automatic transfer service using a resident registration number or a business registration number Way. The method of claim 5, If the transfer is not normally performed in the fourth step, it is determined whether the subordinate bank determined in the first step exists, and if it exists, the direct transfer data is transmitted to the subordinate bank. A sixth step to be performed; And In the sixth step, if there is no subordinate bank, the seventh step of determining that the processing is impossible and storing the result in the database and returning the result to the credit institution; How to provide a direct debit service using a registration number.