KR20030023830A - Interoperatable module system and its method of financial data for automated settlement process - Google Patents

Abstract

PURPOSE: A financial transaction data intermediating system and method is provided to receive virtual accounts linked to a real account from a joint bank, to automatically collect money from joint EC sites or companies, and to settle payments for transaction participants. CONSTITUTION: The method comprises steps of an intermediation module receiving transaction participant data, finance data, basic commodity data and transaction data from joint EC sites, and transmitting the received data to a joint bank. The data transmitted by the intermediation module is stored at a virtual account management server of the joint bank. The transaction data and deposit estimation data, occurring at each transaction, are stored at the virtual account management server. The virtual account management server checks the deposit estimation data with the real deposit data, and processes a deposit refusal caused by a deposit shortage, a transmission of a deposit money error message, or affirmation of a dishonored check according to a checking result. The virtual account management server transmits the process result to the intermediation module, and the intermediation module transmits an observance request message to a corresponding EC site or company.

Description

Interoperatable module system and its method of financial data for automated settlement process for automatic collection and settlement

As various forms of electronic commerce are activated, the method of electronic payment accompanying them is diversifying. In the case of cash payment, which is the most common method of electronic payment, the buyer uses a bank window, an ATM, and an internet banking method to deposit money into an account of an e-commerce website operating company or an affiliated institution. In this case, the e-commerce site or the affiliated organization confirms the deposit of the transaction price through the process of confirming the deposit details of the cash payment from its account, and then orders the delivery of the transaction item. At this time, if the buyer's name and buyer's name are wrong or there is an oversufficiency between the purchase amount and the deposit amount, the e-commerce site or the affiliated institution cannot recognize the payment completion. After calling the buyers, they will check whether they have made a deposit and whether the deposit is over or under, and will make an additional deposit if the transaction is insufficient and refund the excess. Follow-up management is involved.

On the other hand, most e-commerce sites or affiliated institutions that have completed payment through a normal payment method have a process of setting a limit on sales fees to businesses that directly or indirectly participate in transactions such as manufacturers, suppliers, suppliers, and shipping companies. This process consists of calculating the total amount of additional service charges, such as transaction price and shipping fee, received from the purchaser by manual or batch program, and then paying each company through internet banking or the existing remittance method. do. This method has potential errors such as inconsistency, it is impossible to settle each transaction in real time, and it is in reality both inefficient and incomplete because it entails the cost of performing and managing the settlement process. If the payment is made through a payment method such as a credit card or a corporate purchase card, only the total amount of the day is deposited from the payment agency, and therefore, another work and management must be performed to settle the transaction participants.

From the buyer's point of view, after the prepayment of the transaction price, the buyer waits for the arrival of the trade item unilaterally.

The present invention has been made to solve such a problem, the present invention after providing a virtual account to the parent account of the financial transaction information brokerage module provider that provides the electronic commerce site, affiliated institutions and automatic collection and settlement module system opened in the bank , By granting a virtual account for every transaction that occurs and sending each transaction information to the bank in real time, the bank host and the virtual account management server automatically checks the deposit scheduled information and the actual amount in real time and if there is a difference An error message is issued at the bank window, ATM and Internet banking to eliminate the error of the deposit amount, and based on the result, the preamble to the above mentioned e-commerce site and / or the affiliated organization is transmitted, Receive the result of the confirmation of confirmation and send the automatic remittance to all the transaction participants who are involved in the specific transaction. Provides a method and system for automatic collection and settlement business using a virtual account that enables the efficient operation of e-commerce site operation or related commerce by automating the collection and settlement of e-commerce sites and / or affiliated organizations. The purpose is to provide. Here, the financial transaction information brokerage module for automatic collection and refining business exists as an independent site and / or server for interworking with banks, e-commerce sites, and / or affiliated institutions to broker transaction information and financial transaction information with partner banks. It may exist as middleware to transmit, and it is also invented so that the automatic collection and settlement module itself may exist in an e-commerce site and / or affiliated agency server.

In order to achieve the above object, in one embodiment of the present invention, a financial account information brokerage module for automatic collection and settlement is provided by a company providing a virtual account using a representative account opened in an affiliated bank through a system linkage with an affiliated bank. After securing, the first step is to create a virtual account database by issuing a predetermined amount of virtual accounts through system linkage with the e-commerce site or affiliated institution, and the participants in the e-commerce site or affiliated organization. Member and financial information (bank name, account number and account holder, etc.) including emails from sellers, buyers, e-commerce sites and / or affiliates, actual suppliers and / or vendors, value-added service providers, etc. In the second step of encrypting and transmitting the data, and basic product information (trade name, (Sales information, seller information, commodity price, etc.) to the bank in three steps, and e-commerce sites and / or affiliated organizations pre-selected additional service information (payment information such as logistics, insurance, inspection, etc.) to the bank. Steps and the virtual accounts are allocated from the virtual account database, which is pre-built at the time of cash payment, by the local clearing house, and the deposit is received by granting the virtual account of the regional zone where the buyer's remittance fee is minimized. Check the excess and shortage of the deposit amount from the basic information and additional service payment information in real time, and send an error message to correct the deposit amount when there is a difference in the deposit amount, including bank teller, ATM and Internet banking. Information on the financial transaction information through the financial transaction information brokerage module. The financial transaction information brokerage module credits the 5 steps to send to the website and / or affiliated institution, and to verify the payment information for credit cards or corporate purchase cards other than cash and the total amount actually deposited in the designated dedicated virtual account. Six steps of dividing card-related payments by all transactions and sending them to partner banks, and providing transaction confirmation or receipt confirmation or inspection confirmation to the trading partners, thereby providing payment to the transaction participants after approval of the transaction. 7 steps of granting transaction protection function to settle, 8 steps of requesting remittance of payments to affiliated banks according to the approval or rejection of the trading partners, and 8 steps to perform actual settlement, and return the result of remittance to the e-commerce site and / or affiliated institution To complete the transaction and request the recycling of the virtual account used for the completed transaction. It consists of 9 steps.

The automatic collection and settlement system is an intermediary module for financial transaction information and interoperates with computers, servers and hosts of affiliated banks and / or computers and servers of electronic commerce sites and / or affiliated institutions of financial settlement agencies. Virtual accounts generated from branch terminals and / or ATMs / automated tellers machines established in affiliated bank sales networks and / or other bank sales networks, and / or e-commerce sites and / or partner institution sales networks in such a way as to enable mutual communication via And financial transaction information using electronic payment, such as credit cards, corporate purchase cards and electronic credit sales receivables.

In addition, the automatic collection and settlement system can send and receive mutual information with trading partners and e-commerce sites and / or affiliated organizations using information and communication networks, such as the Internet, leased lines, public networks, such as wired Internet, mobile phones, web TV Terminals such as (Web-TV) and PDA can be used.

1 is a block diagram showing the concept of giving a virtual account according to the present invention

Figure 2 is a schematic block diagram of a financial transaction information brokerage processing system for the transfer of the scheduled payment information and the verification processing of the deposit details according to the present invention

Figure 3 is a schematic block diagram of a financial transaction information brokerage processing system for credit card payment history information transmission and payment processing confirmation work

Figure 4 is a flow chart for explaining a financial transaction information brokerage processing method using a variable transaction protection function according to the present invention

5 is a flowchart illustrating a financial transaction information brokerage processing method for implementing settlement of a transaction participant and recycling of a completed virtual account according to the present invention.

The objects, features and advantages of the present invention will be described with reference to the accompanying drawings and the following detailed description.

Hereinafter, the present invention is to issue a virtual account from the parent account of the financial transaction information brokerage module provider opened in the affiliated bank at the request of the e-commerce site and / or affiliated organizations to build a database, and then the e-commerce site and / or After sending the member information, basic product information, and additional service payment information from the affiliated organization to the affiliated bank in advance, the transaction price settled by the buyer's selected payment method is examined by the host and virtual account management server of the affiliated bank. The financial transaction information module notifies the e-commerce site and / or the affiliated organization to transmit the full request for performance of the pre-appointed performance, and sends the result back to the affiliated bank to send the e-commerce site and / or the affiliated organization, manufacturer and / or Financial services automatically settled to suppliers and logistics companies and / or value-added service providers Propose a re-method and system in a preferred embodiment. This specification specifically describes a communication method and system linked to a financial transaction information mediation module for transceiving transactions and financial information between affiliated banks and e-commerce sites and / or affiliated institutions, but the technical application of the present invention is not limited thereto or limited thereto. It should be noted that various modifications may be made without departing from the scope of the present disclosure.

1 is a block diagram illustrating a concept of a financial transaction information and related data processing method using an automatic collection and settlement system according to the present invention. A virtual account database issued by an affiliated bank is managed by an automatic collection and settlement system, a financial transaction relay module, to grant a virtual account at the request of an e-commerce site and / or an affiliate institution, or directly to an e-commerce site and / or It shows how to configure a virtual account management database directly with affiliates. At this time, there is a method of granting 1: N as the parent account of the virtual account as an e-commerce site and / or an affiliate institution, and a plurality of e-commerce transactions with one representative account of the automatic collection and settlement system provider which is a financial transaction information brokerage module. There is a method of 1: N; N, which is a method of assigning a certain amount of a virtual account to a site and / or an affiliated organization, and then additionally numbering each e-commerce site and / or an affiliated organization to the virtual account transaction information.

Figure 2 shows the transaction participant information (sellers, buyers, actual manufacturers and / or vendors, additions from e-commerce sites and / or affiliated organizations for processing financial transaction information and related data using the automatic collection and settlement system according to the present invention) Service companies, etc.), financial information (bank name, account information, account holders, etc.), basic product information (seller, buyer, product price, etc.), and additional service payment information. The procedure for transmitting is shown. In this case, the financial transaction information brokerage module for automatic collection and settlement transfers the data from the electronic commerce site and / or the affiliated agency or directly to the affiliated bank and stores it in the virtual account management server of the affiliated bank and stores the transaction information for each transaction. And deposits scheduled information, deposit actual information and deposit information information in real time on the bank host and the virtual account management server when depositing in the above-mentioned method, the deposit declined due to the lack of deposit and the error message sent, It performs processing such as notification of extension of funds based on confirmation of default checks and outstanding checks on outstanding tickets, and the results are sent to the financial transaction information brokerage module for automatic collection and settlement services. E-commerce sites and / or affiliated organizations and / or additional services affiliated with To notify the company and transmits the execution request of a specialized implement a pre-arrangement. On the other hand, when there is a shortage of deposit information and the amount due due to the total default or partial default of the check, when the check is mixed with cash or check, the buyer may notify the buyer of the fact of default and the shortage due to default. In the present invention, a function capable of additional deposit is included.

Figure 3 is a schematic block diagram of a method of processing a credit card, corporate purchase card, etc. which is another method of payment means in the financial transaction information brokerage module using the automatic collection and settlement system according to the present invention. In this case, after payment approval of credit card, corporate purchase card, etc. is completed, when the total amount of payment is deposited in a specific virtual account at the time of mutual agreement from affiliated card company and / or affiliated bank, the financial transaction information brokerage module for automatic collection and settlement service Payment details (approval, cancellation) such as credit card or corporate purchase card, which occurred on every transaction from direct or affiliated e-commerce site and / or affiliated institution, are sent daily to the partner bank and compared with the total amount deposited. It will be inspected and the result will be sent back to the financial transaction information brokerage module. The financial transaction information mediation module notifies the affiliated e-commerce site and / or affiliated agency of the result and has the procedure to automatically settle the transaction to the trading partners from the result of the verification.

4 is a diagram illustrating a method of variably granting a trading protection step in a process of settingtle a transaction amount confirmed by payment in the method described in FIGS. 2 and 3 to a trading party, and a buyer receives or inspects a transactional product. Through the delivery confirmation that notifies the receipt or purchase approval or the seller notifies the financial transaction information mediation module of the result of the goods delivery, the financial transaction information mediation module transmits the full remittance request to the partner bank. Based on the financial information of the transaction participants who have received / stored, the partner bank has a function to automatically settle the relevant amount. Here, the trading protection function, which is a prerequisite for the transfer of the transfer request message to the transaction participants of the transaction price settled by the above payment methods, depends on the affiliated e-commerce site and / or the affiliated institution or financial transaction information brokerage module provider. Is designed to change. In other words, transaction payments such as delivery confirmation received from the e-commerce site and / or affiliated agency, or acceptance approval that the buyer receives the transactional goods, or purchase approval that the buyer receives the transactional product and completes the inspection, are deposited in the affiliated bank. The commerce site and / or the affiliated agency or the financial transaction information brokerage module provider provides the variable trading protection function for the transaction participants to automatically settle the transaction amount in accordance with the confirmation of the degree of the previously agreed sale protection.

5 is based on the transfer request for all transactions closed by the transfer bank described in Figure 4 on the basis of the transfer request for the entire day of automatic settlement to the transaction participants through the next business day after the financial transaction information mediation module And a schematic diagram of transmitting to the affiliated e-commerce site and / or affiliated agency. As a result, the transaction is completed, and the virtual accounts granted to the buyers of the e-commerce site and / or affiliated institutions are determined according to the purchase frequency of the buyers and transferred to the partner's virtual account management server so that the buyers can always It is designed to make a convenient transaction payment by receiving a certain deposit account (recycled virtual account).

The present invention is not limited to the above-described embodiments, and various modifications and changes can be brought by a person skilled in the art or a financial transaction relay module provider, which are included in the spirit and scope of the present invention as defined in the appended claims. do.

As described above, in the present invention, an electronic commerce site and / or an affiliated agency can easily purchase a virtual account, a credit card, a corporate purchase card, and all payment methods provided by an affiliate bank through a financial transaction information brokerage module. By reducing the management cost for deposit management by automating the management of the transaction price according to this, it is possible to pursue the qualitative improvement of customer service by responding quickly after the transaction payment. It also automates the process of settlement of the transaction price settled to the trading partners, thereby reducing management costs and ensuring fast turnover periods for trading participants such as manufacturers and / or suppliers, The conditions can be improved to increase the customer service and price competitiveness of the e-commerce site and / or its affiliates and the profit structure.

On the other hand, buyers can receive information on the confirmation of payments quickly and accurately, and through this, not only can they quickly receive a small amount of the ordered goods, but also the e-commerce sites and / or affiliated organizations that they wish to trade. Depending on the scope of the protection of the trade, it is possible to receive the opportunity to secure the rights of the buyer as much as possible through the reception of the transactional goods, the approval of the purchase, or the rejection of the purchase.

Value-added service providers such as manufacturers, suppliers and logistics companies can settle payments for the goods and / or services they provide on the next day of transaction completion. It is possible to maintain a good health service can be provided.

For banks, one financial transaction information intermediary module can send and receive financial transaction information to enable financial transactions with multiple e-commerce sites and / or affiliated institutions. It becomes possible.

Claims (14)

A first step of granting a virtual account as 1: N to a partner bank by using a representative account of an affiliated e-commerce site and / or an affiliated institution as a parent account; Financial transaction information brokerage processing method comprising the step of interlocking the financial transaction information brokerage module system through the virtual account. Secure a virtual account using the representative account of the financial transaction information brokerage module provider in the affiliated bank as a parent account, and build a database with the secured virtual account. And / or granting a virtual account as 1: N; N by granting a virtual account to each partner in a separate number for each transaction; And a step of constructing a virtual account group for each location of a domestic clearing house from a virtual account database built in the first step and selectively granting a virtual account to a depositor. The method according to claim 1 and 2, Automatic collection of affiliate e-commerce sites and / or affiliated organizations 'basic information (including basic information including buyers, sellers, actual operators and / or vendors' emails) and financial information (bank names, account numbers, account holders, etc.) And transaction information linkage step received from the settlement module system; The financial transaction information brokerage method comprising the step of transmitting the information from the automatic collection and settlement module to the affiliated bank and storing the result in the virtual account management server of the affiliate bank and transmitting the result back to the automatic collection and settlement module system. Treatment method. The method of claim 3, Receiving basic product information (order execution number, total amount, form of payment code, etc.) of the transaction agreed through the affiliated electronic commerce site and / or the affiliated institution in the automatic collection and settlement module system; Encrypting the basic product information received through the electronic commerce site and / or affiliated agency to transmit to the affiliated bank, and stores the result in the virtual account management server of the affiliated bank and transmits the result back to the automatic collection and settlement module system Financial transaction information brokerage processing method comprising a. The method according to claim 1 or 2 or 4, Automatic collection and settlement of payment information (order execution number, supplementary service provider management code, seller payment amount, buyer payment amount, total amount, etc.) selected by the buyer and / or seller of the affiliated e-commerce site and / or affiliate institution Receiving the transmission from the module; Encrypt the additional service provider payment information received through the electronic commerce site and / or affiliated agency to transmit to the affiliated bank, stored in the virtual account management server of the affiliated bank and the result is returned to the automatic collection and settlement module system Financial transaction information brokerage processing method comprising the step of transmitting. The method of claim 4, wherein The virtual account issued at the time of the transaction agreement is divided by the virtual account by regional clearing house from the invention in the second stage of claim 2, so that buyers can select regions and / or territories that are free or minimized in other regions. An optional virtual account grant processing method that allows a virtual account to be granted by the user. The method of claim 6, At the affiliated e-commerce site and / or affiliated institution, the purchaser completes the deposit into the virtual account that has been selectively granted from the automatic collection and settlement module, and stores the information at the host of the affiliated bank and described in claims 4 and 5 for the transaction. A first step of comparing a deposit amount with a virtual account management server of an affiliate bank in which deposit information is to be stored; If the difference between the deposit scheduled information and the actual deposit amount occurs, rejecting it at the bank window, ATM and Internet banking, and sending an error message to correct the deposit amount; A third step of performing a check on a default check and / or an open balance check according to a payment method selected by the buyer; The financial transaction information brokerage processing method comprising the step of transmitting the results of the processing of steps 1,2,3 by the affiliate bank to the automatic collection and settlement module. The method of claim 7, wherein steps 2 and 3 In the payment confirmation processing by the partner bank host, the bank checks the defaults of the checks requested for the default and / or other outstanding checks and sends the result of the processing to the automatic collection and settlement module system to notify the buyer of the default amount. Making a step; Transmitting the full message to the affiliated bank virtual account management server so that the automatic collection and settlement module can receive additional payment to the virtual account issued by the method described in claim 6; And reconfirming the portion where the bank host additionally deposits through the second step, and transmitting the result to the automatic collection and settlement module. The method of claim 7, wherein If the buyer selects a payment method other than cash, such as a credit card and / or a corporate purchase card, at the affiliated e-commerce site and / or the affiliated institution, the credit card and / or corporate purchase is made at each payment date in the automatic payment and collection module. Transmitting the total amount of the card payment, the cancellation before purchase, and the cancellation after purchase to the partner bank at a predetermined time; Total payment amount of credit card and / or corporate purchase card, total amount before withdrawal, total amount after withdrawal, and payments made by partner card company Financial transaction information, such as credit card and / or corporate purchase card, comprising the step of comparing the total amount of payment, such as credit card and / or corporate purchase card that is to be sent to the automatic payment and collection module How to handle mediation. The method according to claim 7 or 8 or 9, The automatic collection and settlement module, which has received the deposit result through the affiliated bank, may include transmitting the entire implementation instruction to the affiliated institution in advance with the affiliated electronic commerce site and / or the affiliated institution; Receiving a result of the previously agreed performance from the affiliated e-commerce site and / or the affiliated agency or the buyer; A financial transaction information brokerage processing method comprising a variable transaction protection step comprising the step of requesting remittance to all the transaction participants who participated in a specific transaction in the affiliated bank from the verification result. The method of claim 10, The automatic collection and settlement module provider includes steps for requesting remittance from an affiliate bank by receiving the performance instruction with the electronic commerce site and / or affiliated institution; Receiving the payment confirmation result from the affiliate bank by the buyer paying the payment amount; Receiving a delivery result of a seller or a courier company; Receiving the transaction item ordered by the buyer and receiving a result of receipt confirmation; A financial transaction information brokerage processing method using transaction protection, characterized by granting and processing a variable transaction protection function, including receiving and inspecting a transactional item ordered by a buyer and receiving a verification confirmation result. The method of claim 11, The steps for the automatic collection and settlement module provider to request a remittance to an affiliated bank may include the scope of trade protection to enable remittance requests from affiliated e-commerce sites and / or affiliates with all stages of the transaction, including step 4 above. A financial transaction information brokerage processing method characterized by a variable transaction protection grant function, characterized in that the setting. The method of claim 10 or 11, Receiving a remittance request from the automatic collection and settlement module system by the affiliate bank for remittance (automatic settlement) to the transaction participants for each specific transaction, and then transmitting the result back to the automatic collection and settlement module system; The automatic collection and settlement module system receiving the automatic settlement processing result and transmitting the automatic settlement processing result to the affiliated electronic commerce site and / or the affiliated institution; Financial transaction information brokerage processing method comprising the step of completing a transaction by receiving a full confirmation of the transmission of the automatic settlement processing result. The method of claim 13, The virtual account granted to the transaction completed transaction is a virtual account re-commercial professional acceptance step of determining whether or not to reuse by requesting from the affiliated e-commerce site and / or affiliated institutions; Transmitting the received virtual account reuse request message back to the affiliate bank virtual account management server to transmit the reuse request message; A virtual account reusable confirmation step of receiving the processing result thereof; And informing the affiliated e-commerce site and / or the affiliated institution of the result of the processing again.