KR20030003434A - Method for Internet Banking Service in Enterprise using Internet - Google Patents

Abstract

PURPOSE: A method for a company Internet banking service using the Internet is provided to shorten time processing a payment business, to enhance the correctness of the payment business, and to prevent financial accidents by making a charged man not change a receiving place. CONSTITUTION: The charged man to approve the payment business through the company Internet banking service is certified(210). A web server suggests the expense data according to a request of the charged man(220). An owner of a bank account to receive the expense data is confirmed(230). The charged man and an approver request and approve the expense data through the Internet(241,242). A remittance server remits the approved expense data to the account of the approved account owner by linking with a bank server and informs the charged man of a remittance result(250,260).

Description

Method for Internet Banking Service in Enterprise using Internet}

The present invention relates to a corporate Internet banking service method using the Internet and a computer-readable recording medium recording a program for realizing the method.

Internet banking refers to a system in which a customer accesses the Internet through a personal computer and connects to a bank's host computer to receive financial services. The path to receive financial services is known as CD (Cash Dispenser) / ATM (Automatic Teller Machine), telephone, PC (PC) communication in addition to the Internet added form. Here, PC (PC) banking using PC (PC) communication is a customer using an Internet service provider (ISP: Internet Service Provider) (for example, Hitel, Unitel, etc.) or using a dedicated software and modem provided by the bank This system differs from Internet banking in that it connects its own personal computer with a bank host computer and provides financial services.

The characteristics of internet banking are that financial transactions can be carried out beyond local and time constraints, thereby facilitating the globalization of financial services. There is a reduction in transaction costs due to exemptions, bank visits, and shortened processing time.

In addition, banks can use the customer information to create new business plans and revenue sources, such as providing customized services to individual customers and payment services related to e-commerce. You will have a chance to receive it.

On the other hand, Firm Banking service is a service that allows the company's computer and the bank's computer to be interconnected by a communication line, so that all transactions with the bank can be handled directly within the company without leaving the bank. Can be used in real time.

With corporate internet banking, you can manage your money efficiently and immediately know the flow of funds in the office such as transfers, deposits, and transaction details. You can manage your money. You can reduce the risk of loss and theft due to cash handling. This can reduce the cost.

In addition, as well as saving time and money according to the employee's access to the bank, it is possible to reduce the number of personnel and remittance fees because the various payments and payments are processed by electronic banking. Therefore, work processing time can be shortened.

In addition, accounting and office automation will shorten the processing time and contribute to sales growth by real-time bank transaction information such as payout and deposit details in real time. In addition, customer satisfaction can be achieved by providing services to customers.

In addition, by promptly processing payments and acquiring payment details, transactions can be processed quickly, thereby improving customer satisfaction, promoting corporate image, and improving corporate image.

The following is the status of corporate internet banking services.

Internet banking at the beginning of the service does not distinguish between individual and corporate customers.However, for corporate customers, the company strictly restricts the employee's voluntary participation by submitting a corporate seal certificate when applying for use to prevent accidents. have.

In addition, apart from retail-oriented internet banking, each bank plans to provide an enterprise banking service specialized for corporate customers such as corporate fund management, bill payment, and loans.

However, when the transfer account using the existing corporate Internet banking account can select multiple banks, withdrawal banks are limited to their own bank account, because the corporate Internet banking is performed on the Internet for the unspecified number of security There was a problem.

In addition, there is a problem that the work is inefficient because the corporate Internet banking is not linked to the payment process in the enterprise, the Enterprise Resource Planning (ERP) system.

The present invention has been proposed in order to solve the above problems, in the financial business of the company using the Internet, it is possible to reduce the time required for the expenditure work, improve the accuracy of the expenditure work, causing the occurrence of financial accidents due to the inability to change the person's arbitrary payment destination. Corporate Internet banking service method using internet that can reduce the burden of fee notification and payment, and check the analysis of payment flowr by proactive blocking, database management of expenditure history, and to realize the above method. Its purpose is to provide a computer readable recording medium.

1 is an exemplary configuration diagram of a corporate internet banking service system using the Internet to which the present invention is applied.

2 is a flow chart of an embodiment of a corporate Internet banking service method according to the present invention.

Figure 3 is an embodiment screen diagram showing a user certificate submission process for a corporate Internet banking service according to the present invention.

Figure 4 is a screen diagram illustrating an embodiment of the expenditure system logon process for the corporate Internet banking service according to the present invention.

Figure 5 is a screen configuration diagram showing an embodiment of the expenditure task manager and payment agent registration and management process for the corporate Internet banking service according to the present invention.

Figure 6 is a screen configuration diagram showing an embodiment of the organization with the expenditure withdrawal account registration and management process for the corporate Internet banking service according to the present invention.

Figure 7a and 7b is an embodiment screen diagram showing a payment deposit account registration and management process for the corporate Internet banking service according to the present invention.

Figure 8 is a screen configuration diagram showing an embodiment of the expenditure history input work and payment process of the person in charge for the corporate Internet banking service according to the present invention.

Figure 9 is a screen diagram showing an embodiment of the process of confirming and approving the expenditure work history of the billing rights for the corporate Internet banking service according to the present invention.

10 is a screen diagram illustrating an embodiment of a process for executing an approved expense account transfer for a corporate Internet banking service according to the present invention.

Figure 11a and 11b is an embodiment screen configuration showing a statistical data output process for the corporate Internet banking service according to the present invention.

* Explanation of symbols for the main parts of the drawings

101: web server 102: database

103: field computer 104: firewall

105: Bank Town Server 106: Firewall

107: bank server

According to an aspect of the present invention, there is provided a method of a corporate internet banking service using the Internet, the method comprising: a first step of authenticating a user (a person in charge) who intends to pay an expense through a corporate internet banking service; A second step of the web server presenting expenditure data at the request of the person in charge; A third step of identifying an account holder to receive the expenditure data on the expenditure data; A fourth step of requesting and approving the expenditure data between the person in charge and the payer on the Internet; A fifth step of the fund transfer server for receiving an account transfer request from the person in charge and a security number necessary for the account transfer; And a sixth step in which the dedicated server for transferring funds transfers the approved expenditure data to the confirmed account holder's account in connection with a bank server and informs the person in charge of the transfer result.

On the other hand, the present invention, a corporate Internet banking service system equipped with a processor, a first function for authenticating a user (person in charge) who wants to pay the expenditure work through the corporate Internet banking service; A second function of presenting expenditure data by the web server at the request of the person in charge; A third function of identifying an account holder for receiving expenditure data on the expenditure data; A fourth function of requesting and approving the expenditure data between the person in charge and the payer on the Internet; A fifth function in which a fund transfer server receives an account transfer request and a security number necessary for an account transfer from a person in charge; And a computer-readable recording medium having recorded thereon a program for realizing a sixth function in which the fund transfer server transfers the approved expenditure data to the confirmed account holder's account in connection with a bank server and informs the person in charge of the transfer result. To provide.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration diagram of a corporate internet banking service system using the Internet to which the present invention is applied.

In the figure, "101" is a web server, "102" is a database, "103" is a commercial computer, "104" is a firewall, "105" is a banktown server, "106" is a firewall, and "107" is a bank. Represent each server.

The business institution computer 103 is connected to a web server 101 that provides a corporate internet banking service using the Internet and a database 102 connected to the web server 101, and is affiliated with the corporate internet banking service provider. It is connected with a banktown server 105 for forming a community of banks.

The bank town server 105 is connected to a bank server 107, which is a server of corresponding banks, respectively.

On the other hand, the business institution computer 103 is installed with an encryption module to connect the database 102 and the bank town server 105 of the web server 101 to secure the data security when transmitting and receiving data. Here, the encryption module is an encryption software module that encrypts and transmits data based on a public key infrastructure (PKI) scheme so that a third party cannot hack data on the Internet.

The corporate internet banking method using the corporate internet banking system is as follows.

First, the expenditure work of the field organization is connected to the database 102 of the web server (head office server) 101 through the Internet using the field organization computer 103, and in the database 102, the bank town server through the Internet. (105) send data on the expenditure work.

In addition, the bank town server 105 performs an account transfer using a dedicated line connected to the bank server 107.

The bank server 107 transmits the work contents to the bank town server 105, and the bank town server 105 transmits the transmitted contents to the database 102 of the web server 101. The contents are stored in the database 102. Then, the stored contents are transmitted to the field organization computer 103 to inform the user of the field organization of the work processing contents.

2 is a flow chart of an embodiment of a corporate Internet banking service method according to the present invention.

As shown in Figure 2, the enterprise Internet banking service method according to the present invention, first receives a certificate password from the user as a user verification process 210, the computer 202 of the person in charge of the business person to the bank town server 204 The certificate password is transmitted (211).

The bank town server 204 receiving the certificate password requests authentication to the bank server 205 (212), and the bank server 205 receiving the authentication request confirms the user to the bank town server 204. The verification result is transmitted (213).

Next, as the expenditure data input process 220, the expenditure data from the business person computer 202 to the enterprise resource planning (Enterprise Resource Planning: "EPR") system (web server (head office server) provided) The request for transmission (221), the ERP system receives the request and transmits the expenditure data to the person in charge computer (202) (222).

Next, in the account holder confirmation process 230, if the account number password for the account holder confirmation in the field representative computer 202 is transmitted to the bank town server 204 (231), the bank town server 204 at the bank server ( In step 205, the full account inquiry is sent. In addition, the bank server 205 that receives the account inquiry full text queries the account and transmits the inquiry result back to the bank town server 204 (233), and sends the inquiry result received from the bank server 204 to the bank town. The server 204 transmits the inquiry result to the person in charge of the business person computer 202 (234).

Next, as the payment process 240, when the business person requests the payment from the business person computer (202) to the business accountant computer 203 (241), the business accountant requests the payment using the business accountant computer (203) Approve (242).

Next, as a transfer execution process 250, when the account transfer to the bank town server 204 from the person in charge computer 202 (251), the bank town server 204 checks and secures the user with the bank server 205 Perform the number request (252). Then, the bank server 205 receiving the user confirmation and security number request instructs the bank town server 204 to use the security number for one-time use (253).

The bank town server 204, instructed by the one-time security number, requests a business time computer 202 to input a one time password (OPT) security number (254), and a business person computer (required to enter the OPT security number) 202 inputs the OPT security number to banktown server 204 (255).

Finally, as a result notification process 260, the banktown server 204 transmits the transfer message to the bank server 205 (261), and the bank server 205 transmits the transfer result to the bank town server 204. (262). Then, the bank town server 204 transmits the transfer result to the business person in charge computer 202 (263), and notifies the transaction details to the transaction / deposit destination computer 206 by electronic mail (264).

3 is a diagram illustrating an embodiment of a screen for submitting a user certificate for a corporate Internet banking service according to the present invention.

The user certificate submission process is to verify the user's identity on the Internet in order to physically block the identification of the person in charge of the company, the granting of the right to work, and the risk of financial accidents.

In the figure, "301" represents a certificate selection button, "302" represents a user certificate request button, and "303" represents a certificate password input box, respectively.

Clicking the certificate selection button 301 selects a certificate holder registered in a certification authority (eg, bank town), and clicks a user certificate application button to be used for initial registration of a certificate or change of a certificate user.

In addition, the password of the selected certificate is input to the certificate password input box 303 to receive permission for use.

In other words, the user certificate submission process is to verify the status and authority of the person in charge of expenditure work by using the "certified authentication system" that is systematically implemented by the government as a means of verifying user identity in corporate Internet banking.

On the other hand, in the present invention, in order to prevent the processing of the deposit and withdrawal by the person in charge of the main reason that the expenditure work is carried out manually until now, the bank declines at the authentication stage by coordinating the bank so that the general banking service of the bank cannot be used. can do.

Figure 4 is a block diagram showing an embodiment of the expenditure system logon process for the corporate Internet banking service according to the present invention.

In the figure, "401" represents a user department identifier input box and "402" represents a user identifier input box, respectively.

That is, an identifier of a department previously assigned is input to the user department identifier input box 401, and an identifier previously assigned to each person in charge and a billing authority is input to the user input box 402.

The expenditure system log-on process executes the expenditure system and inputs an identifier of a user institution or a department and an identifier of a user, which are pre-granted from the head office, so that the expenditure system log-on process can be used only by the person in charge of expenditure and the settlement.

FIG. 5 is a diagram illustrating an embodiment of a screen for illustrating a process of registering and managing a paying person in charge and a payer for a corporate Internet banking service according to the present invention.

In order to do the expenditure work, users and payment agents are registered in the system. The system then manages the identifiers and passwords of the person in charge and the payer.

In addition, by granting the authority to register and modify the identifier of the applicator to the upper authority, to secure the system security by restricting arbitrary access to the spending system.

In the drawing, "501" denotes a payer information button, "502" indicates a person in charge information button, "503" indicates a combo box for selecting a user organization, and "504" indicates a password input unit, respectively.

Clicking on the payer information button 501, the payer use information is managed up to the identifier at the head office (headquarters), and the payer can only change the password.

The person in charge information button 502 manages the person in charge of using the person up to the identifier of the person in charge and the person in charge can change only the password.

In the combo box 503, in which a user organization can be selected, the name of the organization for use of the corporate expenditure system can be registered in advance and selected.

In the password input unit 504, a person in charge and a payment agent can register their own password and modify it from time to time.

On the other hand, the main point of implementing user management function is to register and manage the identifiers of the workers and the paymenters of the system so that the expenditure system can be used only by authorized users for corporate expenditures. Control registration and modification.

In addition, the employee number (or social security number) is registered and used as an authentication key of the system in order to confirm the spending system user authority. This means that you can only spend on authorized computers. In addition, the operator and the settlementr can directly register and revise their own passwords to secure work security.

Figure 6 is a screen diagram showing an embodiment of the process of registering and managing the expenditure withdrawal account for each institution for the corporate Internet banking service according to the present invention.

In the process of registering and managing each organization's expenditure withdrawal account for corporate Internet banking services, first, the expenditure withdrawal account designated and approved by each institution is pre-registered in the system. Here, the withdrawal account must be an account that has applied for banking use of the bank, and the bank (headquarter) registers and manages the account at the head office (headquarters).

In the drawing, "601" is a combo box for selecting a subsidiary by grouping by division or headquarters, "602" is a list box for selecting and working by displaying a list of registered agencies, "603" "" Represents an input box for inputting the name of the expenditure business entity and the business registration number of the organization, and "604" represents an input box for inputting an account for which the bank has applied for Internet banking.

On the other hand, the main point of the implementation of the account management function is to allow the bank to use the withdrawal account only for the account applied to the bank for the use of the corporate Internet banking account, and the bank must restrict the account so that it cannot be traded using general internet banking. do.

In addition, for proper management and control of the withdrawal account, the withdrawal account is reported in advance to the headquarters or headquarters, and the authorized person directly enters the approved account, and the corporate expenditure system can be used for the registered withdrawal account. Build an interlocking system that can act on

7A and 7B are screen diagrams illustrating an embodiment of a payment deposit account registration and management process for an enterprise Internet banking service according to the present invention.

Expenditure deposit account registration and management process for corporate Internet banking service pre-registers the accounts to be deposited into the corporate expenditure system. In addition, the deposit account is divided into internal employees and external companies, and external companies are divided into corporation operators and individual businesses, and registered in advance so that the account number is automatically outputted by receiving the business registration number or name when depositing the expenses, and entering the work convenience and the deposit account. Increased accuracy.

FIG. 7A illustrates a case in which a depositee is a corporation or an individual entrepreneur during an operation for inputting a payment history and a settlement renewal process of a person in charge for a corporate internet banking service.

In the drawing, "711" is a combo box for distinguishing / selecting a corporation or a sole proprietor, "712" is a list of previously entered customers, "713" is a corporation registration number, and a sole proprietor enters a social security number. An input box and "714" indicate a corporate name and a confirmation box where individual business owners can check whether the representative's name matches the account holder.

FIG. 7B illustrates a case in which a deposit target is an employee during an operation for inputting a payment history and a payment renewal process of a person in charge for the corporate Internet banking service.

In the drawing, "721" is a list of a list of previously entered employees, "722" is a registration button for collectively inputting a list of employees, and "723" is an input box for entering an employee number and name. , "724" indicates an e-mail input box for enabling collective notification of deposit details for employees.

A list of entries 721 of employees already input is automatically displayed, so that the list can be selected and worked.

In addition, in the input box 713 for entering the employee number and full name, if the employee number and full name are input and press save, it is displayed in the list on the left.

8 is a screen configuration diagram showing an embodiment of the expenditure history input work and payment process of the person in charge for the corporate Internet banking service according to the present invention.

For the process of inputting the payment history and reappearance of the person in charge of the company's Internet banking service, the following "Contact Person Creation" screen appears when the person in charge of the person is logged in. In this screen, the expense and payment account information to be paid using this expense system is displayed. Enter to confirm the transfer party and the account holder's political party, and then renew the payment to the settlement right holder.

In the drawing, "801" is an input box for displaying a department name and a person in charge, and an expiration date and a person's password. "802" is an input box for selecting a withdrawal bank account for corporate expenses, and "803" is for an withdrawal account. Display box displaying current balance and estimated balance after withdrawal, "804" is input box for importing expenditure data or directly inputting details by linking with new financial system, and "805" is for inputting or depositing account deposit information. An input and selection box for selecting data, and "806", respectively, indicate a confirmation box for confirming a remittance fee and a bank account holder from the bank.

On the other hand, the main point of the implementation of expenditure input function is to input the account name (name) and account number, and then click the "Transfer Account" button to confirm the account number and the account holder's legitimacy from the server on the bank side, You can reduce the number of entries as much as possible to handle the existing tasks more efficiently and easily without having to perform the task, and if you frequently register customers, just enter the operator number and the rest of the items can be displayed automatically.

In addition, only essential items are logically and concise so that they can be worked without additional instructions.

Figure 9 is a screen diagram showing an embodiment of the process of confirming and approving the expenditure work history of the billing rights for the corporate Internet banking service according to the present invention.

The process of checking and approving the payment work history of the settlement right holder for the corporate internet banking service is described below. When the settlement right identifier is entered in the user identifier at the logon of the menu, the "Payment" screen below appears. In case of accuracy, the transfer is approved by checking the payment box on a case-by-case basis and finally entering the approval code.

In the figure, "901" is an input box for inputting the approval password given to the settlement right holder, "902" is a display box for analyzing and displaying the balance for grasping the deposit and withdrawal status of the payer or withdrawal account, and "903" is an expenditure resolution. Check box to check and check the expenditures on a case-by-case basis, "904" is a display box that displays only the details so that the payer can not change the expenditure, and "905" is the expenditure It shows each transfer approval button that checks and checks the expenditure by case. Here, the payment is completed by pressing the transfer approval button 905.

On the other hand, the main point of the implementation of the expenditure approval / payment function is to monitor the status of the withdrawal account at all times by displaying the balance, the deposit amount and the balance difference after the previous expenditure on the settlement screen so that the expenditure of the expenditure by the expenditure practitioner can be controlled. While controlling the expenditure by the person in charge at the same time, it is impossible to change the expenditure details of the settlement right holder, and the appraiser should reconfirm the validity of the account transfer according to the expenditure resolution.

It also allows you to search for past expenditures or statistical data over time at the supervisor's location.

FIG. 10 is a diagram illustrating an embodiment of a screen for executing an approved expense account transfer for a corporate Internet banking service according to the present invention.

In the process of executing the approved account transfer for corporate internet banking service, first, after receiving approval from the billing authority, the following "Transfer Person in Charge" screen appears and the person in charge enters the password of the withdrawal account and the random number generated from the security card. If you press the transfer execution button, the account transfer is executed in real time and the processing result is displayed on the screen.

In the drawing, "1001" is a display box that displays approved expenditures when the expiration date and password are entered, "1002" is a display box which shows the balance of the current withdrawal account and the expected balance after transfer, and "1003" is the final transfer. Input box for inputting the random number generated by the security card 1010 before execution, "1004" is a display box for displaying the payment details, "1005" is a transfer execution button for finally performing the transfer after entering the random number, and " 1006 " indicates display boxes that display the transfer result of each case in real time and also display the final result.

Here, the display box 1004 displaying the settlement details is only displayed on the screen so that the settlement details cannot be changed.

On the other hand, the focus of the implementation of the bank transfer execution function is to disable the person's arbitrary change of the expenditure approved and approved by the billing authority, and allow the real-time check of the result of the transfer of funds to prompt action in the event of a failure. In addition, the password must be changed from time to time to maintain security, but even if the date and time is not changed, random number of OTM (Object Transaction Manager) security card can be blocked at source withdrawal by work password recognizer such as former person in charge or temporary work agent. Enter the last security number every time using the generation function.

In addition, the funds transfer data is processed into the required form in a certain format, stored in a file and used as statistical data.

11A and 11B illustrate screen configuration diagrams illustrating a process of outputting statistical data for a corporate internet banking service according to the present invention.

The statistical data output process for corporate internet banking service is stored in the server of the head office after completing the expenditure work, and by checking and printing the expenditure data by expenditure by expenditure day and the expenditure account by withdrawal account for a certain period of time, Download the data sheet format (ex: Microsoft Excel file) and use it as data.

11A is a screen showing expenditures by account in the process of outputting statistical data for the corporate Internet banking service. In the drawing, “1101” is a selection box for selecting a subsidiary, and “1102” is a data sheet (eg, Microsoft). Each save button for saving to Excel).

The head office (headquarters) can search the spending history by selecting from the selection box 1101 for selecting the affiliated agency spending history.

In addition, the inquired expenditure history can be stored as a file in a data sheet format, which can be downloaded and used.

FIG. 11B is a screen showing the payment deposit history in the process of outputting the statistical data for the corporate internet banking service, in which “1111” represents a selection box for selecting a withdrawal account.

The payer of the head office (headquarters) can select the withdrawal account in the selection box 1111 to select a withdrawal account, and can frequently check the payment deposit history on a specific day.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be apparent to those of ordinary knowledge.

As described above, the present invention can reduce the time required for expenditure work, improve the accuracy of the expenditure work, block the occurrence of financial accidents in advance due to the inability to change a person's arbitrary payment destination, and check and analyze the flow of funds of the approver at any time by managing the database of expenditure details. In addition, it is effective in the notification of payment details and the reduction of the burden of fees.

Claims (8)

In the corporate Internet banking service method using the Internet, A first step of authenticating a user (a person in charge) who wants to pay the expenditure work through the corporate Internet banking service; A second step of the web server presenting expenditure data at the request of the person in charge; A third step of identifying an account holder to receive the expenditure data on the expenditure data; A fourth step of requesting and approving the expenditure data between the person in charge and the payer on the Internet; A fifth step of the fund transfer server for receiving an account transfer request from the person in charge and a security number necessary for the account transfer; And A sixth step in which the fund transfer server transfers the approved expenditure data to the confirmed account holder's account in connection with a bank server and informs the person in charge of the transfer result; Corporate Internet Banking service method comprising a. The method of claim 1, The first step is, The certificate password is input from the user and the certificate password is transmitted to the fund transfer dedicated server, and the fund transfer dedicated server which receives the certificate password requests authentication to a bank server to obtain a user verification result from the bank server receiving the authentication request. Corporate Internet banking service method characterized in that the transmission. The method of claim 1, The second step, According to the request of the person in charge, the enterprise Internet banking service method, characterized in that the enterprise resource planning system (Enterprise Resource Planning) of the web server transmits the expenditure data to the person in charge. The method of claim 1, The third step, A seventh step of inputting a password of the account number for checking the account holder and transmitting it to a bank town server; An eighth step of transmitting a full account inquiry from the bank town server to a bank server; A ninth step of receiving, by the bank server receiving the full account inquiry, an account and transmitting an inquiry result to the bank town server; And A tenth step of transmitting the inquiry result received from the bank server to the person in charge of the business in the bank town server; Corporate Internet Banking service method comprising a. The method of claim 1, The fourth step, If the business person in charge on-line requests the payment to the business approver, the business approver approves the payment request on-line characterized in that the enterprise Internet banking service method. The method of claim 1, The fifth step, A seventh step of performing an account transfer from the business representative computer to the banktown server; An eighth step of the banktown server requesting a user identification and security number from a bank server; A ninth step of the bank server receiving the user identification and security number request indicating a one-time security number to the bank town server; A tenth step in which the bank town server instructed by the one-time security number requests input of an One Time Password (OPT) security number to a computer in charge of a business; And An eleventh step of inputting the OPT security code into a bank town server by a business representative computer who is requested to input the OPT security code Corporate Internet Banking service method comprising a. The method of claim 1, The sixth step, A seventh step of sending, by the banktown server, a full transfer message to a bank server; An eighth step of the bank server transmitting a transfer result to a bank town server; And The ninth step of the bank town server transmitting the transfer result to a business representative computer and notifying the transaction details to the transaction / deposit point; Corporate Internet Banking service method comprising a. In the corporate Internet banking service system equipped with a processor, A first function of authenticating a user (a person in charge) who wishes to pay for an expense through a corporate internet banking service; A second function of presenting expenditure data by the web server at the request of the person in charge; A third function of identifying an account holder for receiving expenditure data on the expenditure data; A fourth function of requesting and approving the expenditure data between the person in charge and the payer on the Internet; A fifth function in which a fund transfer server receives an account transfer request and a security number necessary for an account transfer from a person in charge; And A sixth function in which the funds transfer server transfers the approved expenditure data to the confirmed account holder's account in connection with a bank server and informs the person in charge of the transfer result; A computer-readable recording medium having recorded thereon a program for realizing this.