KR20020049851A - All the Bank Account Transfer Realization Method for Electronic Payment Intermediation include Commercial Transaction - Google Patents

Abstract

PURPOSE: A method for performing whole transfer of bank accounts is provided to activate electronic commerce by enabling a customer to transfer prices of an article determined in electronic payment including electronic commerce in case that the customer holds one account, and by safely and rapidly paying charging businesses including shopping malls for the price. CONSTITUTION: A customer performs a log-in(1). The customer searches products desired in a shopping mall and determines whether to purchase a product(2). The customer confirms the number and the amount(3). In case that the customer determines a payment unit(4), it is connected to a PG(Payment Gateway) server of a web site(5). The PG server performs a dialing of an ARS(Automatic Response System) telephone number of a bank in which the account is opened(6). An ARS complementary system connected to the PG server is operated. In addition, the complementary system transmits the customer's information to each ARS system of bank(7). The ARS system of the bank transmits a voice capable of requesting an input of an OTP(One Time Password)(8). The OTP is recognized by the PG server. After that, a DTMF(Dual Tone Multi frequency) signal relevant to the OTP is outputted(9). In case that it is confirmed whether to input the OTP normally(10), the PG server transmits a normal processing message(11). In case that the input isn't normally processed, the PG server transmits an error message(12).

Description

All the Bank Account Transfer Realization Method for Electronic Payment Intermediation include Commercial Transaction}

The present invention relates to a bank account transfer method for electronic payment brokerage, including electronic commerce, and more particularly to a bank transfer method applicable to all other electronic payments, such as shopping malls on the website desired by the customer withdrawal from the customer account of all domestic banks .

Conventionally, a bank visits a bank or visits a bank to make a withdrawal from his / her account opened in a bank for payment of various purchases such as purchase price, electricity, gas, communication fee, etc. You had to visit the web site and send money using electronic financial media (ARS: AUDIO RESPONSE SYSTEM / INTERNET BANKING).

Therefore, when making payments through bank transfer in various electronic payment transactions (including electronic commerce), customers have to visit banks directly or perform the remittance process using ARS and Internet banking, which are electronic financial media. As a result, there was a disadvantage of having to pay remittance fees.

Therefore, in order to pay for goods purchased at an e-commerce-related internet shopping mall, an electronic payment method using a telephone network receiving service has been proposed. For example, Korean Patent Publication No. 1999-0036292 (name of invention: Telephone storage of a telephone network) Electronic payment method using the service).

This is an internet shopping mall that provides goods and various services, and between the Internet users and

In the payment method of an electronic payment system, which consists of an electronic payment system that stores and handles payment for a transaction, when a product and a service are traded through the Internet, a predetermined amount that occurs in a transaction between an internet shopping mall and an internet user related to this transaction. An electronic payment method using a proxy storage service of a telephone network has been proposed, wherein a payment service for an internet commerce is paid using a proxy storage service of a telephone network using a protocol. The advantage of saving is the tremendous cost of building and operating a separate certification center.

However, according to this method, there is a problem in that it is difficult to activate because the customer's telecommunication company has a burden of delegating authority to withdraw according to the request of the e-commerce company.

Therefore, if the telecommunications company makes a CMS contract with the bank with the customer's account and the customer applies for direct debit, the automatic debit will be made. If this is not the case, the paper money must be sent to the customer and still paid by the customer. And

In this case, there is a problem that if the customer does not pay the bad debts.

In addition, according to this method, since the payment of the shopping mall is made along with the payment of the communication fee on the specified payment date, real-time money transfer is impossible and disadvantages are received at the affiliate store, thereby avoiding the affiliate and thus failing to be activated.

The purpose of the present invention is to solve this problem, if the customer has only one bank account of all the banks in the country to be able to transfer the price of goods purchased in electronic payments, including electronic commerce, free of charge, including the shopping mall It provides billing companies with a way to implement full bank account transfers for electronic payment transactions that benefit both customers and billers by ensuring safe and fast payments.

1 is an explanatory diagram showing an electronic payment method using a proxy storage service of a conventional telephone network.

2 is an exemplary hardware diagram for implementing a bank account transfer method according to the present invention.

Figure 3 is a flow chart showing a bank account transfer method corresponding to ARS in accordance with the present invention.

Figure 4 is a flow chart showing a bank account transfer method of the Internet banking system according to the present invention.

The purpose of the present invention is to provide the customer's own information (ID, password, account number, account password, by the payment gateway PG (payment gateway) server when the customer wants to transfer the account at their specific bank in the electronic payment transaction site Account transfer password, etc.), and in the case of ARS, the information entered by the member is sequentially sent to the automatic answering system of the bank by dialing means and voice recognition means, withdraw funds from the customer's account, Transfer to the billing company (including the shopping mall) via the account, and in the case of Internet banking, connect to the bank's website and receive the form field data required by the customer and send it out at the same time. Suggest ways to transfer funds.

Accordingly, the present invention can provide fast, easy and accurate money transfer process online without any restriction if the customer secures only one account of any bank, thereby providing benefits to both the customer and the billing company including the shopping mall. There is a useful effect to be done.

Referring to the present invention in more detail with reference to the accompanying drawings as follows.

In order to implement the entire bank account transfer method for the electronic commerce according to the present invention, the website server and the PG server according to the present invention are connected to the Internet through a router and a CSU, and the terminal of the customer is connected through the Internet. In a typical system in which a server is connected to the Internet through a router and a CSU, and a bank's website server is connected to the Internet through a router and a CSU,

In addition to the website server and the PG server according to the present invention is to install the ARS compatible system.

3 and 4 illustrate the specific operation of the present invention.

In FIG. 3, withdrawals are made using voice response systems of various banks. In FIG. 4, withdrawals are made using Internet banking systems of various banks.

First, according to the embodiment shown in FIG. 3, the present invention provides a product in a shopping mall by linking to a corresponding shopping mall when a customer logs in as a member to a shopping mall or a guest (GUEST) to search for a desired product in a shopping mall. In order to determine a purchase intention or to search for a desired product in a shopping mall or the like existing as a web page built on its own website according to the present invention, the purchase intention is determined. The customer then checks the quantity and the amount accordingly. (Step 3)

In addition, when the customer selects the payment method by the payment method selected by the payment method, and if the payment method is determined as a transfer (step 4), the website of the shopping mall immediately connected to the PG server according to the present invention, It connects to the PG server in the website according to the present invention. (Step 5)

At this time, the PG server dials the ARS phone number of the bank in which the corresponding account is opened using the customer's payment information input during the customer's payment operation.

Therefore, the voice answering system connected to the bank's server is operated. In this state, the voice answering system of each bank requires the input of the customer's information (ID, password, account number, account password, account transfer password, transfer amount, etc.). do.

At this time, the ARS response system connected to the PG server operates according to the present invention to recognize what the requirements are and to sequentially send the customer's information to the voice response system of each bank.

In addition, the bank's automatic response system sends out a voice requesting the input of the OTP (ONE TIME PASSWORD) (step 8), which is also recognized by the ARS response system so that the PG server requests the OTP input from the customer. At this time, the OTP input by the customer is recognized by the PG server to output a DTMF signal corresponding to the OTP of the customer.

If it is confirmed that all the voice guidance and input have been made normally in this process (step 10), the PG server sends a normal processing message and the customer knows that the normal withdrawal is completed on the terminal screen.

If it is not processed properly in this process, the PG server will send an error message such as incorrectly input contents or insufficient balance notified from the bank server and the automatic response system (step 12). Step 13), of course, the PG server re-dials the corresponding bank phone number to perform a series of processes.

In addition, the automatic response system of many banks are different in the order of input of the contents, there may be a difference in the content requiring input, but the present invention is the input of the automatic response system by the data input from the customer in advance as described above The requirements were recognized by the ARS response system and sent out in sequence, allowing the withdrawal of any bank's voice response system.

In addition, the present invention is possible withdrawal through the Internet banking opened in the bank and this state is shown in FIG. As can be seen from the above, when the payment method is determined as a wire transfer (step 1), the present invention is immediately connected to the PG server according to the present invention from the website of the shopping mall (step 2).

At this time, the PG server requests the customer to input the information whenever he / she requests the customer's information required by the relevant internet banking system.

Enter your information (Step 3).

Subsequently, the PG server connects with the bank server for internet banking with the bank (step 14), and a form field requesting input of various matters is sent out by the bank server, and the PG server requests the bank. At that time, the case enters various information necessary for internet banking. (Step 5)

In addition, the server of the bank sends a form field requesting the input of the OTP (ONE TIME PASSWORD) (step 6), which is also recognized by the PG server so that the PG server requests the OTP input from the customer (step 7) At this time, the OTP entered by the customer is recognized by the PG server and converted into the form inserted into the form field. (Step 8)

If all voice guidance and input are completed normally in this process (step 9), the PG server sends a normal processing message and the customer knows that the normal withdrawal is completed on the terminal screen.

If it is not processed properly in this process, the PG server will send an error message such as incorrect input or insufficient balance notified from the server of the bank (step 11). Of course, a series of processes are performed by linking the bank's website (step 12).

In addition, the Internet banking system of many banks, the order of input of the content is different, there may be a difference in the content request, but the present invention as described above the input request of the Internet banking system by the data input from the customer in advance The PG server recognizes the matter and sends it out in sequence so that any bank's Internet banking system can withdraw money.

In this way, the amount of money withdrawn from the customer's account is to be deposited into a specific account set by the present invention, which is a deduction of a predetermined fee to each shopping mall affiliated by the server according to the present invention and is remitted in real time. The fee includes the ARS fee or the Internet banking fee, which covers the operating costs of the website operated by the present invention.

In addition, in the present invention, despite the deduction of such a fee, it is possible to immediately deposit money in each affiliated shopping mall so that funds can be secured quickly without occurrence of bad debts such as outstanding.

In this way, the present invention is not only to provide a convenience that the customer can securely transfer the purchase price in real time quickly, precisely and easily in any shopping mall if the customer has only one bank account, which is not specified. In addition, since the funds can be securely and quickly deposited without incurring receivables to the shopping mall operator, it can greatly contribute to the activation of e-commerce, thereby providing a benefit to both the customer and the shopping mall operator.

Claims (2)

In the electronic payment transaction site including e-commerce, when a customer wants to transfer money from his / her specific bank, customer information (ID, password, account number, account password, account transfer password, OTP, etc.), the PG server sends the collective information received from the customer to the voice response system of the corresponding bank by dialing means, and sends the transmitted voice to the voice recognition means controlled by the PG server. Recognized by user, the member's inputs are sent out in sequence in response to voice.If the normal withdrawal is not completed after the input according to voice requirements is completed, a message according to the error content is sent to the terminal of the customer for reoperation. Full account transfer method for payment intermediary, including e-commerce, characterized in that guide. In the electronic payment transaction site including the e-commerce, the customer wants to transfer the account at his / her specific bank, the customer information (ID, password, account number, account password, account transfer password, OTP, etc.) is inputted, where the customer enters the information for the transfer of funds by the bank's Internet banking authentication system, and the information entered is sent from the PG server to the Internet banking system. When the information is matched, the Internet banking system requests the next information from the PG server, and accordingly, the customer transfers the funds to the PG server by inputting the next information as described above. Full bank transfer method for intermediary payments.