KR20020069653A - Periodic cash management service system - Google Patents

Abstract

PURPOSE: A system for an automatic transfer business for the price reception is provided to offer the total service necessary for the management of the price reception and the payment by connecting the computing equipment of a reception organization with the second financial organization. CONSTITUTION: A financial system(20) respectively communicating the reception organization(10) and the second financial organization(30) with a system operator carries out an automatic transfer relay business for the price reception transferring the reception price that the reception organization claims to a customer of the second financial organization from the customer's account of the second financial organization to a mother account of the reception organization. The system also carries out an automatic transfer relay business for the price payment transferring the money that the reception organization pays to the customer of the second financial organization from a mother account of the reception organization to the customer's account of the second financial organization.

Description

Payment cash transfer business system {Periodic cash management service system}

The present invention targets companies in need of services such as payment and payment, such as insurance companies, by connecting the computer equipment of the receiving institution and the computer equipment of the second financial institution using the relay system of the PCMS relay system, The present invention relates to an automatic payment service system that provides overall services necessary for managing payments.

Currently, since the second financial institution does not have its own credit creation function and external payment system, in order to perform these services, the second financial institution connects the system dependently to the bank, the first financial institution, and the customer of the second financial institution and the second financial institution. It is responsible for transferring funds, remitting and inquiring. However, in order to perform such a task, a second financial institution customer should visit the first financial institution directly or perform a limited financial business in cooperation with a specific first financial institution.

Here, the second financial institution refers to securities companies, insurance companies, credit card companies, credit cooperatives, Saemaul Undong, mutual credit safe deposits, trust companies, various capitals, technical finances, etc., except for the first financial institution, banks. This includes all customers who directly deal with secondary financial institutions, including the general public, corporations, government offices, and voluntary organizations.

If a second financial institution customer can make a financial transaction similar to the first financial institution, it can save time and effort of the customer, and also enhance competitiveness for the second financial institution that competes with the first financial institution. Under the premise, the applicant has developed a system according to the invention.

An object of the present invention is to connect the computer equipment of the receiving institution and the computer equipment of the second financial institution by using the relay system of the system operator for companies that require services such as payment and payment, such as insurance companies, etc. It is to provide automatic payment service system that provides overall services necessary for the management of payment and payment.

1 is a basic system configuration diagram of a PCMS.

Figure 2a is a flow chart of the billing automatic transfer relay service in the designated day billing institution.

Figure 2b is a flow chart of the billing automatic transfer relay service in the daily billing and receiving institution.

Figure 2c is a block diagram of a specialized billing payment direct debit service.

Figure 2d is a professional diagram of the daily bill payment direct debit service.

2E-2L (L) is a schematic diagram of a PCMS relay system for a designated day billing institution and a second financial institution, FIG. 2E is a schematic diagram of a telegraph, FIG. 2F is a schematic diagram of a common telegram, and FIG. Fig. 2H is an example of setting the "specialized management number" in Fig. 2G, Fig. 2I is an item configuration diagram of the data portion, Fig. 2J is an item structure diagram of the aggregation portion, and Fig. 2K is an example of setting of "replay code". 2L (L) is an item configuration diagram of an end portion of a specialist.

2m to 2r are professional configuration diagrams of the PCMS relay system and the second financial institution for the daily billing institution, FIG. 2m is a head example, FIG. 2n is an example of setting up a "professional management number", and FIG. Fig. 2P is an example of a setting for a full text data section, Fig. 2P is an aggregation section, Fig. 2Q is a "replay code", and Fig. 2R is a diagram showing an item configuration of an end section.

Figure 3a is a flowchart of the payment automatic debit relay service.

Figure 3b is a schematic diagram of the payment automatic debit service.

Figure 4a is a flow chart of the debit application relay service.

Figure 4b is a professional configuration of the debit application relay service.

4C is a schematic structural diagram;

4d is a schematic diagram of a common telegraph;

4E to 4H are specialized diagrams of the PCMS relay system and the second financial institution for the direct debit application relay service, FIG. 4E is an item configuration diagram of the head portion, and FIG. 4F is an exemplary configuration diagram of the "professional management number". 4g is a diagram showing the items of the data part, and FIG. 4h is a diagram showing the items of the end part.

Figure 5a is a transaction start flowchart of the account authentication relay service.

Figure 5b is a flow of end transaction of the account authentication relay service.

Figure 5c is a flow chart of account authentication of the account authentication relay service.

Figure 5d is a professional configuration of the account authentication relay service.

5E is a structural diagram of a full text;

5f is a schematic diagram of a common telegraph;

Fig. 5G is an example of code setting of " professional classification ".

Fig. 5H is an example of code setting for " business classification ".

5i is an exemplary diagram of a response code.

Fig. 5J is a diagram showing the type of full text subject to the account authentication relay service;

Figure 5k is a batch configuration of professional start operation of the PCMS relay system.

Figure 5L (L) is a professional block diagram of the start-up transactions required by the PCMS relay system in the second financial institution.

Fig. 6A is a flow chart of a cash settlement process in a cash receipt service.

6B is a flow chart of a settlement process in the payment service.

Figure 7a is a financial institution storage form of the debit application form, Figure 7b is a customer storage form.

8 is a procedure of the automatic debit application processing method.

<Description of Drawing>

Receiving Institution (10), PCMS Relay System (20), Second Financial Institution (30)

Work summary

The automatic payment business system according to the present invention is a system for relaying the computer equipment of the receiving institution and the computer equipment of the second financial institution to companies that need services such as payment and payment, such as insurance companies. It refers to the task of providing the overall services necessary for the management of payments and payments by interconnecting with each other. Hereinafter will be abbreviated as "PCMS" billing automatic transfer business system according to the present invention.

1. Types of PCMS

1) Automatic payment transfer service: A service that automatically transfers the payment for the second financial institution customer billed by the receiving institution from the customer account of the second financial institution to the mother account of the receiving institution (for example, automatic transfer of insurance premiums from the insurance company). ).

2) Payment automatic debit relay service: A service for the depository institution to automatically transfer the funds to be paid to the client of the second financial institution from the receiving institution's mother account to the client account of the second financial institution (eg, dividend payment of insurance company) ).

3) Direct debit application relay service: A business that relays the debit application details of the storage institution requested by the customer to the storage institution at the branch of the second financial institution.

4) Account Verification Relay Service: When the receiving institution requests verification of the account of the second financial institution, the second financial institution verifies the information such as the name of the account holder and the social security number of the account.

2. Message transaction

Specialized transaction refers to a series of tasks that transmit and receive data for PCMS processing between a receiving institution and a system operator.

1) Online processing text: Real-time processing text related to account authentication relay service

2) Full text of batch processing: The collection, payment, and direct debit application relay service is a task for receiving large volume files.

3. Terminal transaction

A terminal transaction is a transaction for registering a debit history requested by a customer at a branch of a second financial institution.

4. System Configuration

The basic system of the PCMS is configured as shown in FIG. The receiving body 10 and the PCMS relay system 20 communicate in an X.25 protocol. The PCMS relay system 20 is also communicating with the second financial institution 30 in an X.25 protocol.

As shown in Fig. 1, according to the present invention, the PCMS relay system 20 processes data between the two by using the X.25 communication protocol to mediate the conventional receiving institution 10 and the second financial institution 30. In charge of. In FIG. 1, the second financial institution 30 and the receiving institution 10 should be equipped with communication relay equipment (eg, a modem, a cable, an X.25 communication card) that can accommodate the X.25 communication protocol.

In FIG. 1, the business process and data flow between each component will be the configuration and operation of the system according to the present invention, which will be described with reference to the drawings for each task. The kind of work performed by the PCMS relay system 20 is as described above.

In the system of FIG. 1, the communication connection specification between the receiving institution 10 and the second financial institution 30 and the PCMS relay system 20 is as follows.

1) Protocol: X.25 (CCITT 1984 Recommended)

2) LU configuration

① Online processing professional reception (Storage agency-> PCMS relay system)

② Online processing professional transmission (PCMS relay system-> receiving institution)

③ Receive batch processing (receiving agency-> PCMS relay system)

④ Send professional batch processing (PCMS relay system-> receiver)

3) Packet Size: 1024Bytes

4) Frame Mode: DCE (PCMS Relay System) / DTE (Storage Organization)

5) Speed: 9600 bps (or 56 kbps)

6) Block Size: 7

7) L2 Window: 7,

8) L3 Window: 3

Process and professional flow of each work

With reference to the drawings will be described the processing process and the full text (data, message) flow of each task performed by the PCMS relay system 20.

(1) Automatic money transfer service

This task can be divided into a designated billing institution (FIG. 2A) and a daily billing institution (FIG. 2B).

Figure 2a shows a flow chart of the automatic payment transfer service for billing in the designated day billing institution . If explained in order, it is as follows.

① Receive billing details by PCMS relay system for each collection agency. That is, in the PCMS relay system, the billing history by the receiving institution is aggregated into the billing history by the second financial institution.

② The billing details for each receiving institution shall be collectively transferred to the second financial institution in the morning of the designated date of transfer. In this case, the batch transmission method uses a method of requesting a file transmission transaction of the PCMS relay system from the second financial institution to transmit the cash receipt. The processing of the second financial institution is as follows.

o Aggregate verification of the number of bills received and the amount of money received from the PCMS relay system by storage institution

o Create ledger for automatic debit (storage) processing by storage institution

o After the completion of the online operation of the second financial institution, withdrawal from the customer's account by the receiving institution and process the transfer payment to the mother account by the receiving institution

o Update the results of automatic debit (storage) processing for each storage institution

③ The result of automatic transfer (receipt) processing by the second financial institution is transferred to the PCMS relay system.

④ In the PCMS relay system, the processing results of each financial institution are aggregated by the receiving institutions, and the processing results of each receiving institution are transmitted to the entire batch processing.

Figure 2b shows a flow chart of the automatic payment transfer service for billing in the daily billing and receiving institution , such as credit card payment settlement. If explained in order, it is as follows.

① Receive billing details by PCMS relay system for each collection agency. That is, in the PCMS relay system, the billing history by the receiving institution is aggregated into the billing history by the second financial institution.

② The billing history by the receiving institution shall be generated as the billing history by the second financial institution until 14:00 on the date of transfer designation. At this time, the second financial institution requests the file transmission transaction of the PCMS relay system to receive the billing history. The processing of the second financial institution is as follows.

o Aggregate verification of the number of bills received and the amount of money received from the PCMS relay system by storage institution

o Create ledger for automatic debit (storage) processing by storage institution

o After the completion of the online operation of the second financial institution, withdrawal from the customer's account by the receiving institution and process the transfer payment to the mother account by the receiving institution

o Update the results of automatic debit (storage) processing for each storage institution

③ The result of the automatic transfer (receipt) processing by the second financial institution shall be processed in a batch transfer to the PCMS relay system.

④ In the PCMS relay system, the processing results of each financial institution are aggregated by the receiving institutions, and the processing results of each receiving institution are transmitted to the entire batch processing. At this time, the processing matters of the receiving institution are as follows.

o The receiving institution can receive the transfer result after 23:00.

o Receive payment of customer ledger of receiving institution after receiving transfer result.

o Create rebills for outstanding items and request them to PCMS relay system by 13:00 the next day.

Fig. 6A is a flowchart showing the process of settlement of funds in the present cash receipt task. First, a procedure for transmitting and receiving the storage transfer processing request data and the transfer result data is performed as follows.

① D-1 day. The receiving institution sends the account information of the customer to be transferred at the second financial institution to the PCMS relay system. (From 16:00) The PCMS relay system aggregates transfers by storage institution by second financial institution. ② D-Day. Each second financial institution receives the transfer request data from the receiving institution from the PCMS relay system. D-Day. After receipt, the second financial institution shall withdraw funds from the customer's account and collect them into the representative account of the receiving institution based on the details of the request for transfer of funds from the receiving institution. ③ D + 1 day. The second financial institution sends the result of the transfer to the PCMS relay system. D + 1 day. (After reception) The PCMS relay system processes the account transfer processing result received by the second financial institution into a file so that it can be received by the receiving institution after counting by the receiving institution. ④ D + 1 days. (From 14:00) The receiving institution receives the result of the bank transfer processing file.

Next, as a collection procedure of the receiving institution, the following methods are possible.

⑤ In order to utilize the collected funds, the receiving institution shall apply for the transfer to the representative account of the receiving institution's main bank by bringing the bankbook, seal, and invoice directly from the window of the branch of each second financial institution. Adjacent to).

⑥ D + 1 days. In accordance with a separate agreement between the receiving institution and the second financial institution, the collection amount of the representative account of the receiving institution shall be transferred to the representative bank account of the receiving institution by using firm banking at the second financial institution.

⑦ The receiving institution shall utilize the funds collected in the representative account of the main bank.

Fig. 2C shows a professional configuration diagram of the designated date billing direct debit service and shows the professional flow between the PCMS relay system and the host of the second financial institution. In addition, Figure 2d shows a specialized diagram of the daily billing automatic payment service.

Fig. 2E shows the structure of the full text, which is composed of 25 bytes of common text and 75 bytes of data text. "Common Specialization" is a part that is processed in common when sending and receiving a communication between a second financial institution and a PCMS relay system, and "Data Specialization" is a specialization that redefines the head part, data part, aggregation part, and end part. (Detailed below).

Fig. 2F is a configuration table showing the structure of the common telegraph. In FIG. 2F, the Korean code division represents a data setting for classifying Korean codes used in an institution-specific system. The hex value setting is as follows. Hex'10 ': KS code without SO, SI (KSC5601), Hex'11': Engine using SO, SI as 1E, 1F, Hex'12 ': Engine using SO, SI as 0E, 0F, Hex'03 ': 2 byte combined code without SO, SI, Hex'13': 2 byte combined code with SO, SI.

2G-2L (L) show a specialized configuration between the PCMS relay system and the second financial institution for the designated day billing institution. Fig. 2G shows a head configuration item, where "work request date" is an item for setting a transfer request data generation work date of a storage institution, and a business day before the transfer designation date is set. "Professional management number" may be set as shown in Figure 2h as a professional password for verifying the validity of the transfer request of the receiving institution. Fig. 2i shows the data portion configuration items. 1 = Personal Insurance Premium, 2 = Group Insurance Premium, 3 = Credit Loan Interest, 4 = Term Loan Interest, 5 = Loan Money in “15.Funds,” 1 = Overdue, 2 = According to “16.Status Code” , 3 = interest, 4 = assets, 6 and 7 = groups, " 20. Receiving agency information " is set as insurance certificate number (10 digits) + other information. Fig. 2J shows an aggregation unit, where “16. regeneration code” is a code for verifying the validity of the full text of the transfer processing response of the financial institution, and may be set as shown in Fig. 2K. Fig. 2L (L) shows the expert end component.

2m to 2r show a specialized configuration between the PCMS relay system for the daily billing institution and the second financial institution. Figure 2m shows the head, "9. work request date" is set the date of the transfer request data generation operation of the receiving institution, "professional management number" is a professional password for verifying the validity of the transfer request of the storage institution; It may be set as shown in FIG. Fig. 2 (o) shows the configuration items of the full text data section. "12. Transfer amount" indicates the transfer amount (full or partial withdrawal amount) of a financial institution, "15. Transaction type" indicates the type of funds for each company, and "17. Receiving agency information" is the card number or social security number. Is set to. Fig. 2p shows an aggregation unit, where “16. regeneration code” is a code for verifying the validity of the full text of the transfer processing response of the financial institution, and may be set as shown in Fig. 2q. Fig. 2R shows the specialized end component configuration.

(2) Payment automatic debit relay service (Fig. 3a)

① Receive payment processing details by PCMS relay system for each receiving institution. That is, in the PCMS relay system, the payment history by the receiving institution is aggregated into the payment history by the second financial institution.

② The payment details for each institution will be transferred to the relevant second financial institution the day before the date of transfer designation. In this case, the batch transfer method may use a method in which the second financial institution requests the file transfer transaction of the PCMS relay system to transmit the payment payment details. The processing of the second financial institution is as follows.

o Total number of payments and amount of payment history received from PCMS relay system

o Create ledger for automatic debit (payment) processing by storage institution

o After the completion of the online operation of the second financial institution, the direct debit is withdrawn from the mother account of each receiving institution, and the transfer payment is processed to the customer account of the second financial institution.

o Update the results of automatic debit (payment) processing by storage institution

③ The result of the automatic transfer (payment) processing by the second financial institution is transferred to the PCMS relay system.

④ In the PCMS relay system, the processing results of each financial institution are aggregated by the receiving institutions, and the processing results of each receiving institution are transmitted to the entire batch processing.

Fig. 6B is a flowchart showing a process for settlement of funds in the payment service. First, the procedure for transmitting and receiving payment transfer request data is performed as follows.

① D-2 days. (16:00 Korea) The receiving institution transmits the account information of the customer to be paid out to the second financial institution to the PCMS relay system. D-2 days. The PCMS relay system processes the data from the receiving institution and processes it into files for each second financial institution.

② D-1 days. The second financial institution receives payment request data from the receiving institution from the PCMS relay system. D-1 days. After the receipt, the second financial institution transfers the payment from the representative account of the receiving institution to the customer's account in a night batch operation, so that payment is completed in the morning of D-Day.

The provision of payment equipment may be made as follows.

③ D-1 days. The receiving institution deposits the funds to be paid to the representative account of the receiving institution of the second financial institution directly at the window of each secondary financial institution's branch to prepare the funds to be paid. Occation).

④ D-1 days. The receiving institution deposits the funds to be paid to the representative bank of the second financial institution using firm banking.

⑤ D-1 days. The receiving institution shall make a wired notice to the second financial institution after the deposit of funds.

⑥ D-1 days. After receiving the notification of the receiving institution, the second financial institution shall confirm the deposit details of the main bank and deposit it into the representative account of the receiving institution of the second financial institution to prepare for payment. D-1 days. In the second financial institution, the received payment request data is transferred to the customer's account from the representative account of the receiving institution through a night batch operation so that payment is completed in the morning of D-Day.

Next, the procedure for sending and receiving payment result data is performed as follows.

⑦ D-Day. The second financial institution sends the result of the payment transfer to the PCMS relay system. D-Day. (After reception) The PCMS relay system aggregates the payment results received from each second financial institution by receiving institution.

⑧ D-Day. (After 14:00) The receiving institution receives the results of the payment transfer from the PCMS relay system.

A full schematic diagram of the payment direct debit service is shown in FIG. 3b. Each specialized structure and items in the case of FIG. 3B are the same as those described below in FIG. 2E above.

(3) Automatic debit application relay service (Fig. 4a)

① The transfer request from the branch will be transferred to the PCMS relay system the next business day. That is, in the PCMS relay system, the application details of the second financial institution are aggregated by the receiving institutions.

② After completing the processing of the application history by storage institution, it will be processed in a batch transfer by each storage institution. At this time, the receiving institution registers the automatic transfer to the customer ledger by the next business day based on the application details of the second financial institution sent by the PCMS relay system.

③ The result of the automatic transfer registration processing at the receiving institution is transferred to the PCMS relay system in batch processing (D + 3 days).

④ The registration processing result by the receiving institution is counted by the second financial institution, and then collectively transferred (D + 4 days).

In the case of this service, the processing of the second financial institution is as follows.

1) When a customer at a second financial institution applies for direct debit for the payments made by the receiving institution at the branch, first check whether the debiting institution is eligible for direct debit processing. Can be provided).

2) Fill out the direct debit application form and present the customer's bankbook and seal to verify the legitimacy of the account you wish to apply for direct debit.

3) A registration transaction for direct debit application is made through a terminal of a second financial institution to create an application statement (new establishment of a second financial institution's terminal registration transaction).

4) Create application details to be sent to the receiving institution based on the application details of the second financial institution.

Figure 4b shows a professional schematic diagram of the debit application relay service, and shows the professional flow between the PCMS relay system and the host of the second financial institution.

Fig. 4C shows the structure of a telegram, which is composed of a 25-byte common telegram and a 125-byte data telegram. "Common Specialization" is a part that is processed in common when sending and receiving a communication between a second financial institution and a PCMS relay system, and "Data Specialization" is a specialization that redefines the head part, data part, aggregation part, and end part. (Detailed below).

Fig. 4D is a configuration table showing the structure of the common telegraph. In FIG. 4D, an item "8. Hangul code" indicates data setting for distinguishing Korean code used in an institution-specific system. The hex value setting is as follows. Hex'10 ': KS code without SO, SI (KSC5601), Hex'11': Engine using SO, SI as 1E, 1F, Hex'12 ': Engine using SO, SI as 0E, 0F, Hex'03 ': 2 byte combined code without SO, SI, Hex'13': 2 byte combined code with SO, SI.

4E to 4H show a specialized configuration between the PCMS relay system and the second financial institution for the direct debit application relay service. Fig. 4E shows the head part configuration item, wherein "9. Work request date" is an item for setting a job history generation work date of the second financial institution, and the business day before the data transfer date is set. "10. Professional management number" may be set as shown in Figure 4f as a professional password to verify the validity of the transfer request request message. 4G shows a data portion configuration item. "14. Giro number" is a unique code for each receiving institution, which is a Giro code assigned by the KFTC, "15. Payer number" can set the insurance certificate number as the payer management number of the receiving institution, and "16. Payment date" As the designated date of payment of the receiving institution, the premium may be set to 5 days, 10 days, 15 days, 20 days, 25 days, and the last day. Various processing codes are set in "20. Inability code", for example, 00: normal processing, 01: application classification error (when a payer who does not apply for automatic payment requests termination or change), 02: payment number error (If the payer number structure is not correct), 03: No payer (If the payer number structure is correct but there is no corresponding customer), 04: Cancellation is not possible due to mismatch of account number when applying for cancellation, 05: No new application (directly For customers who are not eligible for automatic payment due to collection or other reasons), 06: Double application (when the automatic payer has applied for a new application again), 11: Termination due to a termination request to the receiving institution, 12: Receiving institution 99: Termination due to application for change, voluntary termination of the receiving institution (if terminated by the receiving institution arbitrarily due to lack of balance, termination or contract expiration, etc.). Fig. 4h shows the preamble end item.

Now, the debit application form required for the above-mentioned direct debit work is shown in Figures 7a and 7b. Figure 7a is a financial institution storage form, Figure 7b is a customer storage form. In addition, Figure 8 shows the procedure of the automatic debit application processing method.

1) Customers' instructions when applying for direct debit

o It takes a long time before the direct debit is initiated after the application for direct debit-A bill (notice) will be sent and paid as before until the separate debit invoice is sent even after applying for direct debit.

o Be sure to notify the customer of the terms and conditions on the back of the debit application (for customers).

o If the balance of the direct debit account is less than the amount due, the full amount of the payment cannot be withdrawn.-Unlike a bank credit card, no partial withdrawal of the balance is made.

o Automatic payment may be terminated if you cannot withdraw more than 2 times after using direct debit.

2) Details of application for debit

o Transaction date (8 digits): Enter the transaction date for which the payer applies for direct debit.

o Transaction classification (1 digit): Enter the code according to the application type (1: New, 3: Termination, 5: Change)

o Giro number (7 digits): Enter the Giro number of the second financial institution and the receiving institution with which the PCMS contract has been concluded.-It may be different from the Giro number shown on the Giro receipt.

o Payer No. (20 digits or less): Enter the payer number according to the direct debit institution.-Enter 20 digits sequentially from the left and leave the rest blank.

o Payer Desired Date (2 digits): Enter the date the payer wants, among the due dates set by the depository.-Enter the number '00' if the depository does not have a desired date of payment ('00').

o Fee type (2 digits): Enter the number corresponding to the type of charge that the payer wants to debit.-If no fee type ('00'), enter the number '00'.

(4) Account Verification Relay Service

The account authentication relay service may be divided into a business initiation transaction (FIG. 5A), a business termination transaction (FIG. 5B), and an account authentication transaction (FIG. 5C).

1) Business Initiation Transaction (Fig. 5a): In order to manage the transaction status of each financial institution for the account verification transaction of the receiving institution, it is a transaction requiring the business initiation from the PCMS relay system to the second financial institution (this transaction is PCMS). Transaction to check whether the relay system and the second financial institution can be traded).

① It is required to start work from the PCMS relay system to the second financial institution every day after 9 am.

② The second financial institution responds to the account verification service of the receiving institution.

2) End-of-business transaction (Fig. 5b): When the second financial institution wants to terminate the account authentication service of the receiving institution, it is a transaction requiring the end of the business by the PCMS relay system.

① Request termination of work by PCMS relay system when online work of second financial institution is completed.

② In the PCMS relay system, the transaction status of the second financial institution is registered as the end and the response is processed.

3) Account verification transaction (Fig. 5c): This is a transaction used when the customer of the second financial institution wants to verify his / her name and social security number for the customer account when the customer of the second financial institution wants to register for direct debit.

① The receiving institution sends the full text of the request for certification transaction for the second financial institution account to the PCMS relay system. At this time, the receiving institution processes the time-out when there is no response for a certain time after the authentication transaction request.

② The PCMS relay system sends the full text of the request to the second financial institution. In addition, the PCMS relay system also processes timeouts when there is no response after a request for authentication transaction.

③ After confirming the name and resident registration number of the account at the second financial institution, respond to the PCMS relay system. At this time, the processing matters of the second financial institution are as follows.

o Verification whether the account requesting authentication is an account that can be imported or exported at any time (automatic debitable account)

o If it is necessary to confirm the social security number of the account, check whether the social security number entered by the receiving institution matches the social security number of the account.

o In case of a normal response to the authentication request, the name of the account shall be set in the response message.

④ Transfer the result of response from the second financial institution to the receiving institution that requested the certification.

FIG. 5D shows a professional configuration diagram of the account authentication relay service, and shows the professional flow between the PCMS relay system and the second financial institution host and the receiving institution.

Fig. 5E shows the structure of a telegram, which is composed of a 80-byte common telegram and a 220-byte data telegram. "Common Specialization" is a part that is commonly handled when receiving and sending messages between a receiving institution, a second financial institution, and a PCMS relay system, and "Data Specialization" is a transaction specialization part for each business transaction (described in detail below).

Fig. 5F is a configuration table showing the structure of the common telegraph. In Fig. 5F, the "expert information" division is as follows. ● Request and response setting, ◎ PCMS relay system relay processing, ○ Response processing as required. "1. Identification code" is used as a classification code for each transaction generating institution, 1 = receiving agency-induced transactions, 2 = financial institution-occurring transactions. "2. Agency code" is the code of the agency requesting the transaction and the receiving agency becomes the handling agency when the account authentication request transaction. "3. Opening Organization Code" is the code of the institution that responds to the request transaction, and the second financial institution becomes the opening institution in the account authentication response transaction. "6. Professional serial number" shall be numbered when the request message occurs in the handling agency. "15. Hangeul code classification" indicates the data setting for distinguishing the Hangul code used in the institution-specific system, hex value (hex value) setting is as follows. Hex'10 ': KS code without SO, SI (KSC5601), Hex'11': Engine using SO, SI as 1E, 1F, Hex'12 ': Engine using SO, SI as 0E, 0F, Hex'03 ': 2 byte combined code without SO, SI, Hex'13': 2 byte combined code with SO, SI.

On the other hand, in Fig. 5F, the code for " 7. Specialty Classification " is set as in the example of Fig. 5G, and the code for " 8. Business Classification " is set as in the example of Fig. 5H. In addition, "9. Response code" sets a space in the request transaction, and sets the processing result code in the response authority (it must be set to '000' in the normal transaction. An example of the response code in Fig. 5i). Is plotted.

The type of full text subject to the account authentication relay service is as shown in Fig. 5J. It is divided into the start-up of the PCMS relay system and the required transaction of the start-up of the second financial institution, the termination of work, and the account certification. The full text of each item is explained.

Figure 5k is a professional configuration of the start of the batch operation of the PCMS relay system, this transaction is a transaction required by the second financial institution in the PCMS relay system, the transaction status of the second financial institution for the account authentication inquiry transaction of the receiving institution It is a transaction to confirm. FIG. 5L (L) is a specialized configuration diagram of a business initiation transaction required by the PCMS relay system by the second financial institution, and is used when the second financial institution requests the start of work, such as resumption after the end of work. Figure 5m is a transaction required by the second financial institution in the PCMS relay system, the second financial institution is a block diagram of a professional used in the transaction for ending the account authentication inquiry transaction service of the receiving institution. Figure 5n is a block diagram of the full text used in the account verification business, "01." In the section "01" is the account name inquiry code, only the name for the account inquiries, '02' customer number confirmation and account holder name The account name response will be processed only if the account number for the account number is the same as the inquiry code.

According to the present invention, it is necessary to manage the payment and payment through the company's relay system by connecting the computer equipment of the collection agency and the second financial institution to companies that need money collection services, such as insurance companies, credit card companies It can provide various services.

Claims (13)

A financial system in which a system operator (hereinafter referred to as "PCMS relay system") communicates with a receiving institution and a second financial institution, respectively, 1) Automatic payment transfer service for the transfer of charges for the second financial institution customer billed by the receiving institution from the second financial institution customer account to the mother account of the receiving institution; 2) Payment automatic transfer relay service, which the depository institution automatically transfers the funds to be paid to the client of the second financial institution from the receiving institution's mother account to the client account of the second financial institution; 3) The operation of relaying the direct debit application, which relays the details of the debit application of the storage institution requested by the customer at the branch of the second financial institution to the storage institution; 4) When the receiving institution requests the authentication of the account of the second financial institution, the second financial institution conducts account authentication relaying to confirm the information such as the name of the account holder and the social security number of the corresponding account. Direct debit business system. In claim 1, the automatic payment relay service In the PCMS relay system, collecting the billing history by the receiving institution into the billing history by the second financial institution; A process of collectively transferring the billing information for each receiving institution to the corresponding second financial institution in the morning of the designated date of transfer; The second financial institution calculates the number of bills received and the amount of the payment received from the PCMS relay system, and generates a ledger for processing the automatic transfer (storage) processing for each storage institution. After the withdrawal of the direct debit from the account, the process of the transfer payment to the mother account by storage institution, updating the result of the automatic transfer (storage) processing by storage institution, Performing a batch transfer process of the results of the automatic transfer (storage) processing at the second financial institution to the PCMS relay system; In the PCMS relay system, the processing results of the second financial institution are aggregated by the receiving institutions, and then the work is performed in the designated day billing institution, which comprises the steps of transferring the processing results of each receiving institution to the entire batch processing. Storing direct debit work system. In claim 1, the automatic payment relay service In the PCMS relay system, collecting the billing history by the receiving institution into the billing history by the second financial institution; Generating billing information for each institution by the second financial institution until 14:00 on the date of transfer designation, The second financial institution requests the file transfer transaction of the PCMS relay system to receive the billing history, and the total number of claims and amount of the bill receipt received from the PCMS relay system is verified by the receiving institution, and the automatic transfer (receiving) processing by the receiving institution is performed. After creating the ledger, after the completion of the second financial institution online business, the bank transfers the deposits from the customer accounts of each institution to the mother account of each institution, and updates the result of the automatic transfer (receipt) processing for each institution. Performing a batch transfer process of the results of the automatic transfer (storage) processing at the second financial institution to the PCMS relay system; In the PCMS relay system, processing the results of each second financial institution by the receiving institutions and then transmitting the results of each receiving institution to the entire batch processing; The receiving institution receives the result of the transfer processing after the designated transfer date 23:00, receives the result of the transfer processing, generates a request for payment of the customer ledger of the receiving institution, and makes a request for reprocessing of the unprocessed details and requests it to the PCMS relay system until 13:00 the next day. Billing automatic transfer business system, characterized in that it comprises a job in the daily billing and storage organ. The payment system according to claim 2 or 3, wherein the settlement of funds at the time of payment is made of the following steps. 1) D-1 day. The receiving institution transmits the account information of the customer to be transferred from the second financial institution to the PCMS relay system, and in the PCMS relay system, the transaction details of the receiving institutions are aggregated by the second financial institution; 2) D-0. Each second financial institution receives the transfer request data of the receiving institution from the PCMS relay system, and the second financial institution transfers the funds from the customer's account to the representative account of the receiving institution based on the transfer request details of the receiving institution. Processing step, 3) D + 1 day. The second financial institution transmits the result of the transfer process to the PCMS relay system, and the PCMS relay system processes the account transfer processing result received by the second financial institution into a file to be received by the receiving institution after counting by the receiving institution. step, 4) D + 1 day. The depository institution receives the bank transfer processing result file, and transfers the bank account, seal and invoice to the representative account of the bank of the receiving institution, in order to use the collected funds, directly at the window of each second financial institution's branch office; 5) D + 1 day. Transferring the collection amount of the representative account of the receiving institution to the representative account of the receiving bank of the receiving institution using firm banking according to a separate contract between the receiving institution and the second financial institution; 6) The receiving institution utilizes the funds collected in the representative account of the main bank. (Where D is the date of transfer processing) In claim 2, the preamble of the designated billing automatic payment service redefines the common specialty, head, data, aggregator, and end that are commonly handled during the transmission and reception of the second financial institution and the PCMS relay system. It consists of the data text that is used by (redefine) The common full text includes items of "identification code", "file classification", "date of transfer designation", "storing institution code", "storing serial number", "financial institution code", "transfer classification", and "Hangul code classification" Including, The head of the data specialist includes items of "work request date", "professional management number", "number of transfers", "data classification", The data section of the data specialist "account number", "transfer amount", "resident registration number", "transfer status", "disabled code", "reprocessing classification", "financial classification", "status code", "real name verification target "," Applicable month "," number of payments "," receiving agency information ", The aggregate section of the data professional "transmission number", "total number of requests", "total request amount", "normal processing number", "normal processing amount", "incapable processing amount", "incapable processing amount", "recovery code" ", And The end portion of the data specialist "total number of transmissions", "total number of requests", "total request amount", "normal number of processing", "normal amount of processing", "incapable number of processing", "incapable amount of processing", "transfer Cash payment automatic transfer business system comprising an item of "the number of target organs." In claim 3, the preamble of the daily bill payment automatic debit task redefines the common specialty, head, data, aggregator, end portion that is commonly handled during the transmission and reception of the second financial institution and the PCMS relay system It consists of the data text that is used by (redefine) The common full text includes items of "identification code", "file classification", "date of transfer designation", "storing institution code", "storing serial number", "financial institution code", "transfer classification", and "Hangul code classification" Including, The head of the data specialist includes items of "work request date", "professional management number", "transfer frequency", "data classification", "transfer end date", "transfer parent account number", "notification of processing result" , The data section of the data specialist "account number", "transfer classification", "transfer request amount", "transfer processing amount", "transfer status", "impossible code", "transaction classification", "bank account details", " Including the item of "acceptance agency information", The aggregate section of the data professional "transmission number", "total number of requests", "total request amount", "normal processing number", "normal processing amount", "incapable processing amount", "incapable processing amount", "recovery code" ", And The end portion of the data specialist "total number of transmissions", "total number of requests", "total request amount", "normal number of processing", "normal amount of processing", "incapable number of processing", "incapable amount of processing", "transfer A cash receipt direct debit work system, characterized in that it includes an item of "the number of target organs." In claim 1, The payment automatic debit relay service In the PCMS relay system, processing the payment history by the receiving institution into the payment history by the second financial institution; A step of collectively transferring the payment history by the receiving institution to the corresponding second financial institution on the day before the transfer designation date, In the second financial institution, the number of payments and the amount of payments received from the PCMS relay system are counted by the storage institution, the ledger for the automatic transfer (payment) processing by the storage institution, and the mother account by the storage institution after the completion of the online operation of the second financial institution. Withdrawal of direct debit and update the result of the transfer payment to the customer account of the second financial institution; Batch-transmitting the results of the direct debit (payment) processing by the second financial institution to the PCMS relay system; Comprising a step of performing the aggregate processing of the processing results by the second financial institution by the receiving institution in the PCMS relay system, and transmitting the processing results by each storage institution to the entire batch processing, automatic payment business system. The method of claim 7, wherein the payment settlement processing at the time of payment is characterized in that the following steps, automatic money transfer payment system. 1) D-2 days. The receiving institution transmits the account information of the customer to be paid to the second financial institution to the PCMS relay system, and the PCMS relay system processes the data of the receiving institution to process the file for each second financial institution, 2) D-1 day. The second financial institution receives the payment request data of the receiving institution from the PCMS relay system, the second financial institution transfers to the customer's account in the representative account of the receiving institution in the night batch operation, 3) D-1 day. The depository institution deposits the funds to be paid to the representative bank account of the second financial institution directly at the window of each second financial institution branch office to prepare the funds to be paid, 4) D-1 day. The depository institution deposits funds to be paid to the representative bank account of the second financial institution using firm banking; 5) D-1 day. After receiving the funds, the receiving institution notifies the second financial institution by wire. 6) D-1 day. After receiving the notification of the receiving institution, the second financial institution checks the deposit details of the main bank, prepares the deposit to be processed by payment to the representative account of the receiving institution of the second financial institution, and the payment request received by the second financial institution. Transfer the data from the representative account of the receiving institution to the customer's account in a night batch operation; 7) D-0. The second financial institution transmits the result of the payment transfer to the PCMS relay system, and the PCMS relay system aggregates the payment result received from each second financial institution for each receiving institution; 8) D-0 receiving institution receives the result of payment transfer from PCMS relay system. (D is the date of application for direct debit) The full text of the payment automatic debit relay business is a redefinition of a common specialty, a head, a data, an aggregating part, and an end part, which are commonly handled when the second financial institution and the PCMS relay system transmit and receive a message. It consists of the data text that is used by (redefine) The common full text includes items of "identification code", "file classification", "date of transfer designation", "storing institution code", "storing serial number", "financial institution code", "transfer classification", and "Hangul code classification" Including, The head of the data specialist includes items of "work request date", "professional management number", "transfer frequency", "data classification", "transfer end date", "transfer parent account number", "notification of processing result" , The data section of the data specialist "account number", "transfer classification", "transfer request amount", "transfer processing amount", "transfer status", "impossible code", "transaction classification", "bank account details", " Including the item of "acceptance agency information", The aggregate section of the data professional "transmission number", "total number of requests", "total request amount", "normal processing number", "normal processing amount", "incapable processing amount", "incapable processing amount", "recovery code" ", And The end portion of the data specialist "total number of transmissions", "total number of requests", "total request amount", "normal number of processing", "normal amount of processing", "incapable number of processing", "incapable amount of processing", "transfer A cash receipt direct debit work system, characterized in that it includes an item of "the number of target organs." In claim 1, The direct debit application relay service Compiling the application details of the second financial institution by the receiving institution in the PCMS relay system, After the completion of the processing of the application history by each storage institution, batch transfer processing by each storage institution, and the automatic transfer registration processing for the customer ledger by the next business day based on the application history of the second financial institution sent by the PCMS relay system, Batch transfer processing of the result of automatic debit registration processing at the receiving institution to the PCMS relay system, Performing a batch transfer process after the registration processing result for each receiving institution is aggregated for each second financial institution; In the second financial institution, when the customer of the second financial institution applies for direct debit for the payments made by the receiving institution at the branch office, first check whether it is a debit institution capable of processing direct debit, fill out the direct debit application form, and Verify the validity of the account you want to apply for direct debit by receiving a seal, register the application for direct debit application through the terminal of the second financial institution, generate the application ledger, and use the second financial institution's application ledger as the receiving institution. Bill payment automatic transfer business system, comprising the steps of creating a subscription to send. In claim 10, the full text of the application for direct debit application is used by redefining the common text, head, data, and end that are commonly handled by the second financial institution and the PCMS relay system. It consists of a full text data The common full text includes items of "identification code", "file classification", "application request date", "receipt authority code", "application serial number", "financial institution code", "transmission classification", and "Korean code classification" Including, The head of the data specialist includes items of "work request date", "professional management number", "number of transfers", "data classification", The data section of the data specialist "trade classification", "trade date", "account number", "resident registration number", "jiro classification", "jiro number", "payer number", "payment date", "type of charge", Including items of "payer name", "old account number", "disabled code", The end portion of the data specialist, characterized in that it includes the items of "transmission number", "the total number of applications", "normal processing number", "incapable processing number", bill payment automatic transfer business system. In claim 1, The account authentication relay service Initiation transaction that requires the initiation of the work from the PCMS relay system to the second financial institution in order to manage the transactional status of the second financial institution for the account verification transaction of the receiving institution; When the second financial institution wants to terminate the account authentication service of the receiving institution, the business termination transaction requiring the termination of work by the PCMS relay system, When the customer of the second financial institution wants to register the direct debit at the receiving institution, it consists of an account verification transaction that verifies the name and social security number of the customer account. 1) The business start-up transaction includes the step of requesting the start of the work from the PCMS relay system to the second financial institution, and the second financial institution responding whether the accounting service of the receiving institution is available. 2) The business termination transaction includes the step of requesting the termination of work by the PCMS relay system when the online operation of the second financial institution is terminated, and registering the transaction state of the second financial institution by the PCMS relay system as termination, and processing the response. 3) Account verification transactions Transmitting, at the receiving institution, the entire authentication transaction request for the second financial institution's account to the PCMS relay system, but processing time-out when there is no response after the authentication transaction request; Transmitting the request message from the PCMS relay system to the corresponding second financial institution for account authentication, but processing time-out when no response is made after a request for authentication transaction; If the second financial institution checks the name and resident registration number of the account, the response is processed by the PCMS relay system. Checking the identity of the resident registration number and the resident registration number of the account, and setting the name of the account in the response message in the normal response to the authentication request; And the transfer processing result of the response from the second financial institution to the receiving institution requesting the authentication. In claim 12, the full text of the account authentication relay service is a common text that is commonly handled in the transmission and reception of the receiving institution, the second financial institution and the PCMS relay system, and the transaction specialization details for each business transaction in the PCMS relay system It consists of a data specialization consisting of a professional initiation of business to a financial institution, a professional initiation of a business from a second financial institution to a PCMS relay system, a termination of business, and an account certification. The common full text is "identification code", "handling agency code", "establishment authority code", "transaction date", "transaction time", "special serial number", "specialization", "business classification", "response code" "," Transmission category "," TERM-ID "," terminal transaction serial number "," branch number "," operator number "," Hangul code classification ", The data commencement from the PCMS relay system of the data specialist to the second financial institution, the task commencement of the task from the second financial institution to the PCMS relay system, and the termination of the task include the items of "trade classification" and "response message". , The full text authentication of the account is characterized in that it includes items such as "trade classification", "account number", "customer number", "deposit name", "financial institution name", "store name", "response message". Bill payment direct debit business system.