KR20030029248A - System and method for cash management service - Google Patents

Abstract

PURPOSE: A system and a method for transferring fund in real time and informing transaction particulars are provided to realize the fund transfer by withdrawing the fund of a user from a homepage of a service organization without connecting to Internet banking and to directly realize the fund transfer of a secondary financial organization account without using a bank. CONSTITUTION: A WebCMS(Cash Management Service) affiliated organization(30) includes the secondary financial organization and an organization offering an article or a service to a customer. A WebCMS affiliated bank(20) provides the Internet banking to the customer, performs settlement for a settlement request and transmits a settlement result. A WebCMS providing system(10) transmits the settlement request and the settlement information inputted from a web page to the WebCMS affiliated bank(20), provides the settlement result received from the WebCMS affiliated bank(20) to the customer and the organization in real time, processes the fund transfer between the secondary financial organizations or the secondary financial organization and the WebCMS affiliated bank(20), and performs WebCMS affiliated organization management, fund settlement, fund collection and transaction management business.

Description

Real-time Fund Transfer and Transaction History Notification System and Method using Internet {SYSTEM AND METHOD FOR CASH MANAGEMENT SERVICE}

The present invention relates to a real-time money transfer and transaction history notification system and method using the Internet. More specifically, the goods can be directly transferred to the bank for the transfer and payment of the goods without accessing the bank or internet banking of the bank. Alternatively, you can withdraw funds from your bank account with internet banking directly from the homepage where you want to purchase the service, and make payments, or you can directly access your account from the service user's homepage without accessing your bank's Internet banking. To withdraw funds from the bank or to transfer funds from a second financial institution account with a different account system, such as credit cards, securities firms, insurance companies, credit unions and safe deposit boxes, which are currently available only through banks. To the customer and the depositing institution. A system and method for real time notification.

In general, in order to make a payment and transfer funds, a customer can transfer money through a bank window, transfer money directly from an automated device, transfer money by directly accessing the bank's Internet banking, and the KFTC receives CMS interconnects institutions and participating banks' computer systems to enable electronic transactions to be processed without having to go directly to banks, or to retrieve or notify financial transactions and various financial information of multiple banks collectively. Cash management service).

However, the method of remittance through the window of the bank is not only very inefficient in terms of time and cost, but also adds to the burden on the window work of the receiving financial institution. In addition, the method of account transfer through an automated device, as well as the transfer method through the window is accompanied by inefficient problems. In the case of Internet banking, it is possible to transfer funds through the Internet, but it is inconvenient for the customer to make payments directly from the site of a service user institution such as a shopping mall, and separately enter a specific deposit account by accessing the bank's Internet banking separately. Follow. Above all, the payment method does not notify the depositor in real time, the deposit confirmation is delayed, and when the name of the orderer and the depositor is different, time and cost are involved to confirm the transaction. To this end, there is a method of writing a specific value (CMS number) for identifying a customer in the remarks column of the passbook deposit, but there is a difficulty in remembering the CMS number, and a problem of delayed payment confirmation occurs when an error is entered.

Conventional CMS is a service that allows a company that deals with a number of banks to electronically process financial related affairs and various financial transaction details and information without having to go directly to a bank by accessing a financial settlement agency or a main bank. That is, the KFTC interconnects the user institutions and all banking computer systems to enable electronic processing of the user's financial transactions without going directly to the bank, or inquires and notifies the financial transaction details and various financial information of many banks. It is a service.

The workflow of a conventional CMS is shown in FIG. 1A. Referring to FIG. 1A, in the case of a conventional CMS, when a receiving bank makes a withdrawal request to a financial settlement agency (step S1), the financial settlement agency delivers it to a withdrawal bank (step S2). The withdrawal bank sends the withdrawal result to the financial settlement agency. In step S3, the KFTC sends it to the receiving bank (step S4). The KFTC also directs the deposit bank to deposit (step S5).

However, the conventional CMS is for withdrawal (receiving) and deposit (payment) services, and is limited to services for regular and continuous mass transfers. It was limited.

Above all, the above-mentioned payment method is only a bank transfer between banks, so it is not possible to immediately transfer funds to the account of a second financial institution (securities company, card company, insurance company, credit union, safe deposit box, etc.). There was a problem that the transfer of funds with the bank could not be done efficiently.

The present invention has been presented to solve the above problems, and an object of the present invention is to provide a real-time funds transfer and transaction history notification system using the Internet.

In addition, another object of the present invention to provide a real-time funds transfer and transaction history notification method using the Internet.

In other words, the current CMS business does not use real-time account transfer business without using the KFTC and the Internet banking system, and the customer wants to purchase goods or services without going directly to the bank or directly using the bank's Internet banking. You can withdraw funds from your bank account with internet banking directly from the homepage and make payments, or withdraw money from your own account directly from the homepage of the end-use institution without using internet banking, The transfer of funds to a second financial institution account that has a different account system such as credit card, securities company, insurance company, credit card, safe deposit box, etc. currently available only through the bank can be done directly without going through the bank. It is to provide a possible system and method.

In order to achieve the above object, the real-time funds transfer and transaction history notification system using the Internet according to the present invention, WebCMS alliance comprising a second financial institution with which the customer deals with a predetermined institution that provides goods or services to the customer Agency; WebCMS partner banks that provide Internet banking to customers, perform payments for payment requests, and transmit payment results; And the payment request and customer's payment information entered on the web page of the institution that provides the goods or services to the WebCMS partner bank, receives the payment results from the WebCMS partner bank, and provides them to the customer and the institution in real time. Process the direct transfer of funds between the requesting second financial institution and the WebCMS affiliate bank or between the second financial institutions, provide the results of the processing to the client and the second financial institution in real time, manage WebCMS partner institutions, settle the funds, and accumulate funds. And a WebCMS providing system that performs a transaction management task and performs an input / output management task between a WebCMS partner institution and a WebCMS partner bank.

Preferably, the second financial institution includes a securities company, a card company, an insurance company, a credit card, and a vault for the main purpose of the money transfer service, and the institution includes an e-commerce shopping mall whose main purpose is a payment service.

In addition, in order to achieve the above another object, the real-time funds transfer and transaction history notification method using the Internet according to the present invention, the payment selection step of the customer selects the payment on the web page of the WebCMS affiliated agency; A payment information providing step of providing the payment information of the selected payment to the WebCMS providing system by the WebCMS affiliate institution; A payment information verification step, wherein the WebCMS providing system requests verification of payment information from a WebCMS affiliate institution, and the WebCMS affiliate institution responds to a payment information confirmation request; A payment request step of providing, by the WebCMS providing system, payment information confirmed from the WebCMS affiliate institution to the WebCMS affiliate bank and requesting payment; A payment response step of the WebCMS affiliate bank performing payment for the payment request and providing the payment processing result to the WebCMS providing system; The WebCMS providing system notifies the WebCMS affiliate institution of the payment processing result, and the WebCMS affiliate institution responds to the WebCMS providing system; And a processing result notification step of notifying the customer of the payment processing result and the response information indicating that the WebCMS affiliate institution has received the payment result notification.

Advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1A is a flowchart of a conventional CMS.

1b is a flowchart of a WebCMS according to the present invention;

2 is a system configuration diagram of WebCMS according to the present invention.

3 is a service configuration diagram by WebCMS according to the present invention;

Figure 4 is an exemplary view of the internal configuration of a WebCMS providing system according to the present invention.

5 is a business flowchart of a WebCMS service according to the present invention;

Figure 6a is a credit card payment workflow through the WebCMS service in accordance with the present invention.

Figure 6b is a shopping mall payment payment flow chart using the securities company account through the WebCMS service according to the present invention.

7 is an exemplary view of a WebCMS service providing screen according to the present invention.

*** Explanation of symbols on the main parts of the drawing ***

10: WebCMS provision system 20: WebCMS partner bank

30: WebCMS Affiliate 40: Customer

50: Internet or wired / wireless communication network 200: Web Server

300: Biz Server

The real-time fund transfer and transaction history notification system using the Internet according to the present invention provides a private line type CMS (Cash Management Service) service, which is serviced by the Financial Services Agency, based on the Internet and Public Key Infrastructure (PKI). A fund transfer system that is converted in a one-to-one manner using an authentication system, and in contrast to the conventional CMS service, the system according to the present invention will be referred to as WebCMS.

WebCMS according to the present invention is a second financial institution without a customer going directly to the bank by using the Internet banking system that is already used by more than 4 million people for real-time account transfer work among the current CMS work Real-time deposit and withdrawal can be made to accounts of securities companies, card companies, insurance companies, etc.).

1B is a flowchart of a WebCMS according to the present invention. Referring to FIG. 1B, in the case of WebCMS according to the present invention, when a payment request is made from a connection site accessed by a customer (step S11), the WebCMS requests a withdrawal from a fund holding institution. (Step S2) The WebCMS notifies the result to the WebCMS (step S3), and the WebCMS processes the payment to the access site (step S4). In addition, the WebCMS deposits the payment to the partner account of the partner bank and performs the settlement process (step S5).

2 is a system configuration diagram of the WebCMS according to the present invention, and FIG. 3 is a service configuration diagram of the WebCMS according to the present invention. 2 and 3, the configuration of the WebCMS system according to the present invention, WebCMS providing system 10, WebCMS affiliated bank 20, WebCMS affiliated organization 30, customer 40 and the Internet or wired or wireless communication network ( 50).

The WebCMS provision system 10 performs WebCMS partner institution management, fund settlement, fund aggregation and transaction management, and performs input / output management with partner institutions and partner financial institutions.

The WebCMS affiliate bank 20 is a bank providing a WebCMS service, performs payment for a payment request of the WebCMS system and provides payment information to the WebCMS system.

The WebCMS partner institution 30 requires a second financial institution such as a securities company, a card company, an insurance company, a credit union, a vault, etc., whose main purpose is a money transfer service, and a shopping mall and other money transfer and payment, whose main purpose is a payment service. It is divided into institutions.

The WebCMS provisioning system 10 and the WebCMS partner bank 20 and the WebCMS provisioning system 10 and the WebCMS partnering institution 30 are connected by the Internet or a wired / wireless communication network 50. Uses security sockets.

In addition, in the WebCMS system according to the present invention, the customer 40 directly goes to the bank, or the bank account of the customer 40 on the homepage of the WebCMS affiliated institution 30 such as a shopping mall without using an internet bank of the bank. You can withdraw the payment and pay the money, or deposit it into the account of a second financial institution (securities company, card company, insurance company, credit union, vault).

In other words, you can withdraw money from your bank account directly from a web page of a third party, such as a shopping mall, rather than a separate internet banking screen, and do not remember the account number of a shopping mall, a second financial institution, and a third party that is trading for money transfer. You can send money without having to.

In addition, the deposit details are notified to the deposit institution in real time, it is possible to check the payer immediately after payment, and receive all services immediately after the deposit.

4 is an exemplary diagram of an internal configuration of a WebCMS providing system according to the present invention. Referring to FIG. 4, the internal configuration of the WebCMS system according to the present invention may include a Web Server (H / W) 200 and a Biz Server (H / W) 300.

Web Server (H / W) (200) and Biz Server (H / W) (300) include CORBA MiddleWare (400) that provides an interface between Java Class (Web Server) and AP Module (Biz Server). 401 is connected.

Web Server (H / W) 200 according to the present invention, the secure socket server module 201 and the client module 202 to provide authentication and encryption in the TCP / IP Socket communication with a shopping mall, a second financial institution or a bank It includes Web Server 203 and Application Server 204, which are middleware that provide Http protocol connection, Java Servlet, and JSP engine functions.

In addition, the Java Servlet 210 in the Web Server calls the WebCMS page from the shopping mall and the second financial institution page, selects a bank, calls the bank page, and delivers the order information parameter. 211, the bank-generated full text is received through the secure socket client module 202 (Xecure Net (C)) and bypassed to the corresponding shopping mall or the second financial institution through the server module 201 (Xecure Net (S)). ByPass) Router Class (212), Http Parameter or Interface Class (213) which delivers the contents needed for settlement among Biz Server to Biz Server, and Daemon Retry Class (delivered unprocessed full text generated by bank to shopping mall or second financial institution) 214) and an administrator class 215 that provides an administrator screen for a shopping mall, a second financial institution, or a bank.

Biz Serve (H / W) 300 according to the present invention is composed of a CORBA MiddleWare (400), AP Module (310), X.25 / VPN (320) and RDB (330).

The CORBA MiddleWare 400 provides a CORBA Interface 401 between a Java Class (Web Server) and an AP Module (Biz Server).

AP Module 310 is a C Language Module, which is a V / A Module 311, which is a module for collecting and managing virtual accounts, an Adjust Module 312, which is an industrial affairs module between a bank and a shopping mall, or a second financial institution, and generates various transaction logs. And Log Module 313, which is a management module, Retry Module 314, which is an unprocessed occurrence and management module when no response is made to various transactions, and Budget Summary Module 315, which is a transaction-to-fee commission module for banks, shopping malls, or second financial institutions. Company Manager Module (316), which is a management module for adding and modifying various information about banks, shopping malls, and second financial institutions, Process Monitor Module, which is a monitoring and early warning module for Daemon Process, Network, and System of Biz Server. 317) and Interface Module 318, which is a module in charge of the interface with the virtual account opening bank, and ScanSock 319, which is a Daemon Scheduling module.

The Biz Serve (H / W) 300 establishes a network with a virtual account opening bank through a dedicated line (X.25) or a virtual private network (VPN) 320 and includes a database 330 for data processing.

5 is a business flowchart of a WebCMS service according to the present invention. Referring to FIG. 5, the WebCMS service according to the present invention has the following work flow.

The customer 40 selects payment from the homepage of the WebCMS affiliate institution 30 providing the WebCMS service (step S21).

The WebCMS affiliated organization 30 provides the payment information of the selected payment to the WebCMS providing system 10 (step S22).

The WebCMS providing system 10 requests confirmation from the WebCMS affiliated organization 30 as to whether the provided payment information is the payment information requested by the customer (step S23), and the WebCMS affiliated organization 30 checks the payment of the WebCMS providing system 10. In response to the information confirmation request, the customer checks whether the payment information is requested and responds.

The WebCMS providing system 10 requests payment to the WebCMS affiliate bank 20 through the payment information confirmed by the WebCMS affiliate institution 30 (step S25), and the WebCMS affiliate bank 20 requests the payment of the WebCMS providing system 10. Performs a payment task for and provides the payment processing result to the WebCMS providing system 10 (step S26).

The WebCMS providing system 10 notifies the WebCMS affiliate institution 30 of the payment processing result provided by the WebCMS affiliate bank 20 (step S27), and the WebCMS affiliate institution 30 receives the payment result of the WebCMS providing system 10. In response to the notification, a response indicating that the settlement result notification is received is transmitted to the WebCMS providing system 10 (step S28).

The WebCMS providing system 10 notifies the payment request customer 40 of the payment processing result of the payment request of the customer 40 and the response information indicating that the WebCMS affiliate institution 30 has received the payment result notification.

WebCMS according to the present invention can be realized by transaction information routing technology, X.509 certificate control technology, agent technology and money management technology.

Transaction information routing technology is a technology for quickly and accurately routing transaction information coming from an institution using WebCMS to a bank and a financial institution selected by a customer.

X.509 certificate control technology uses the customer information recorded in X.509 to automatically generate account numbers and withdrawals for banks.

Agent technology, the agent installed in WebCMS user organization is written in Java so that it can be easily installed on any system. It is highly portable and securely and quickly delivers transaction information. It also provides complete communication security for communication section through 128bit SEED algorithm. Agent production technology to provide.

Money management technology is a technology that handles the settlement of funds and fees for transactions made through WebCMS.

WebCMS is unique in two ways.

First, it is possible to maintain complete confidentiality in transaction information by separating the payment path and payment history information. In addition, by effectively integrating the Internet banking services of various financial institutions with web pages that provide a variety of services, customers can make payments immediately without moving from the service web page to a separate financial institution Internet banking page in order to make a payment.

Second, direct transfer transactions are possible between institutions that have different account systems through WebCMS for all account transfers that occur between second financial institutions such as credit cards, securities companies, and insurance companies that were previously available only through banks.

As mentioned above, WebCMS can be widely applied to the field of transfer and settlement of funds made online. That is, the card may be applied to a second financial institution such as a card company, a securities company, an insurance company, a safe, an online shopping mall, a paid content company, or the like.

Currently, most credit card companies provide credit card history inquiry service through the Internet, but do not provide payment service for credit card charges. Therefore, if the customer wants to pay the credit card price on the Internet, the user can access the banking bank's Internet banking and go through the process several times to pay the card price to the credit card company's account. However, even if you pay the card, the card company can not process the payment by calling and notifying you of your payment.

However, when using WebCMS, customers can transfer funds through their Internet banking banks on the card company's web pages, and the payment of their card payment is processed in real time on the card company's computer.

In addition, WebCMS can replace most of the current CMS tasks. For example, if the telephone bill and cable TV bill are not paid, the customer is required to pay the bill at the institution's customer center. The agency tells the customer the representative account of the financial institution with which they are trading and writes in the summary section of the bill. You are asked to enter a specific value to identify the customer.

With WebCMS, however, customers can pay for a few clicks on the agency's web page directly, without having to access a separate bank Internet banking service and receive all services immediately. have.

WebCMS allows the bank's Internet banking user to transfer funds to an institution other than the bank (second financial institution, etc.). It is a service to deposit.

The comparison of the conventional CMS and WebCMS is shown in Table 1.

division CMS WebCMS service Mass Fund Transfer A) Withdrawal Transfer (Storage Service) or Deposit Transfer (Payment Service) Withdrawal Transfer a) Bank-> Second Financial Institution, etc.) Second Financial Institution, etc.-> Bank c) Second Financial Institution-> Second Financial Institution, etc. Target Legal and personal business individual Trading entity Agency individual Communication X.25, TCP / IP VPN, Secure Socket Characteristic 1) Focused on KFTC 2) Difficult to check deposit details 3) Batch work 1) Focus on final depositor 2) Instant check of deposit details 3) On-Line processing

The virtual private network (VPN) refers to a data network in which public infrastructure is configured for the purpose of an individual company using tunneling protocols and security procedures.

WebCMS can effectively replace the work currently being conducted through CMS and can be used in various fields such as finance and EC. Each case is described as follows.

1. Financial Services

The financial services sector can effectively integrate a variety of offline fund transfer and management segments with institutional web pages to serve customers.

2. Credit card company

Currently, credit card customers use direct debit and branch payment methods to pay their credit cards.

If payment is overdue, or if the card is to be paid in advance, the customer should transfer the funds to the credit card company's account at the bank window and notify the customer by calling the card company. In this case, the customer should put the CMS number of the customer in the remittance summary and will be penalized.

However, CMS numbers are different and complex from institution to organization, and customers sometimes make mistakes and mistype numbers. In this case, the customer may be penalized until the credit card company confirms this.

However, when using WebCMS, a customer withdraws money from his bank with a few clicks on the credit card company's homepage, transfers the card payment to the credit card company's mother account, and reflects the result in real time to compensate for the disadvantage of the delinquency of the credit card. Can be minimized.

In addition, the credit card company must pay a fee at the bank window whenever the customer uses the CMS at the bank window. However, in the case of WebCMS, the commission can be reduced to 50% of the CMS fee. This is because banks can reduce the number of people needed to handle CMS tasks, which can be expected to reduce costs.

The flow of credit card payment through the WebCMS service according to the present invention is shown in FIG. 6A. Referring to Figure 6a describes the credit card payment process through the WebCMS service according to the present invention.

The customer 40 accesses the credit card company homepage using HTTP and selects payment (step S31).

The credit card company provides the payment information including the payment amount and the customer number to the WebCMS providing system 10 using HTTP (step S32).

The WebCMS providing system 10 requests the credit card company to confirm the payment information requested by the customer using a secure socket (step S33), and the credit card company responds to the payment information confirmation request of the WebCMS providing system 10. (Step S34)

The WebCMS providing system 10 requests a payment to the WebCMS affiliate bank 20 (step S35).

The WebCMS affiliate bank 20 requests a certificate for internet banking from the customer 40 (step S36), and the customer 40 provides a certificate to the webCMS affiliate bank 20 (step S37).

The WebCMS affiliate bank 20 extracts the customer information from the certificate provided by the customer 40 and compares the payment information with the payment information provided by the WebCMS providing system 10 and notifies the payment result to the WebCMS providing system 10. (Step S38)

The WebCMS providing system 10 notifies the credit card company and the customer 40 of the payment result (step S39), and the credit card company and the customer 40 responds to this (step S40).

3. Electronic Commerce

Currently, various methods of domestic e-commerce payment are being used such as credit card, bank deposit, mobile phone payment, and similar electronic money.

The second most common method of payment, excluding small payments, is preferred among middle-aged people because there is no risk of leaking transaction information of credit cards, but payment information is not reflected in transactions in real time. There are many difficulties in spreading.

WebCMS according to the present invention can solve these problems, can block the complete leakage of transaction information can support more secure electronic commerce.

In addition to bank accounts, payments can also be made using securities accounts, second financial institutions such as Saemaul Undong, and credit unions.

The e-commerce payment payment process using the bank account is the same as the process shown in FIG. In addition, the shopping mall payment process using the securities company account is as shown in Figure 6b.

6B is a flowchart illustrating a shopping mall payment using a securities company account through a WebCMS service according to the present invention. Referring to Figure 6b describes the shopping mall payment process using the securities company account through the WebCMS service according to the present invention.

The customer 40 selects the WebCMS payment after purchasing the goods in the shopping mall B and selects the A securities as the payment institution (step S41).

The shopping mall B provides the WebCMS providing system 10 with payment information including the payment amount and the customer number using HTTP.

WebCMS providing system 10 provides the payment information to the brokerage company using HTTP (step S43).

A brokerage firm makes a transaction confirmation request to the WebCMS providing system 10 (step S44).

The WebCMS providing system 10 checks the balance in the virtual account of the brokerage company A, withdraws the transaction price and requests the transaction confirmation to the shopping mall B. (step S45).

The shopping mall B provides an acknowledgment of the transaction to the WebCMS providing system 10 (step S46), and the WebCMS providing system 10 transmits a transaction confirmation response message to the securities firm A (step S47).

A securities firm asks the customer 40 to select a payment account for customer verification, request an account password for account withdrawal (step S48), and the customer 40 provides payment information. The payment information providing method may be performed by inputting a password for payment and clicking a payment approval button.

A brokerage company deducts the payment from the customer's account (step S50), and notifies the customer 40 and the WebCMS providing system 10 of the withdrawal result (step S51).

The WebCMS providing system 10 that has received the withdrawal notification from the securities company processes the transaction normally and notifies the shopping mall B of the withdrawal result (step S52), and the B shopping mall responds to the result notification to the WebCMS providing system 10. (Step S53)

The WebCMS providing system 10 setstles the payment price at the time of making a contract with the shopping mall B after the transaction is completed.

7 is an exemplary view of a WebCMS service providing screen according to the present invention. A process of providing a WebCMS service according to the present invention will be described with reference to FIGS. 7A to 7D as follows.

The customer 70 selects an institution to make a payment. When the customer 40 selects a card company, a list of card companies is displayed, and the customer 40 selects an institution from which they wish to deposit money.

When the customer 40 selects the A card company, the customer information is displayed after the login process. The customer 40 enters the withdrawal bank and the amount to deposit. In this case, the customer 40 should be a customer who can use the internet banking of the withdrawal bank.

The customer 40 provides the internet banking certificate through the electronic signature, and inputs the withdrawal account number and the account password. The amount to be transferred is automatically displayed.

When the deposit to the A card company is completed, the customer 40 is notified of the result.

As described above, the present invention allows the customer to withdraw funds from the account of the bank that is directly subscribed to the Internet banking from the homepage to purchase goods or services without going directly to the bank or directly using the bank's Internet banking You do not have to pay money or use internet banking. You can withdraw funds from your own account directly from the website of the final destination. Efficient electronic financing by providing convenient and inexpensive payment and fund transfer method by making the transfer of funds of the second financial institution account which has the account system directly without going through the bank, and by providing real time notification of the transaction details. There is a remarkable effect of providing a payment means.

In addition, since the deposit information is transmitted to the deposit institution (a service use institution such as a shopping mall) in real time, there is no delay in delivery and delay of service provision until the deposit is confirmed, and it is possible to reduce time and overall costs for verifying the depositor.

In other words, WebCMS allows customers to withdraw funds from a customer's bank account and directly deposit it to a second financial institution or other institution without going directly to the bank. Withdraw accounts and transfer money without having to remember your account number.

In addition, from an institution's point of view, it is possible to provide customers with a variety of electronic payment and payment environments and various services.

In addition, the company using CMS incurs additional line cost in addition to the CMS fee paid to the bank. However, since WebCMS is based on the Internet, there is no need to pay a separate dedicated line cost.

In addition, banks can greatly simplify and automate CMS tasks that require system maintenance costs and the cooperation of bank tellers.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (3)

A WebCMS affiliated institution comprising a second financial institution with which the customer transacts and a predetermined institution providing goods or services to the customer; A WebCMS affiliate bank that provides internet banking to the customer, performs a payment for a payment request, and transmits a payment result; And The customer sends the payment request and the payment information of the customer entered on the web page of the institution that provides the goods or services to the WebCMS affiliate bank, and receives the payment result from the WebCMS affiliate bank and the customer and the Provide real time to the institution, process direct money transfer between the second financial institution and the WebCMS affiliate bank or the second financial institution requested by the customer, and process the result to the customer and the second financial institution in real time. And provide a WebCMS providing system for performing the input / output management between the WebCMS affiliated institution and the WebCMS affiliated bank. Real-time fund transfer and transaction history notification system. The method of claim 1, The second financial institution includes securities companies, card companies, insurance companies, credit unions and safes, the main purpose of the money transfer services; The real-time funds transfer and transaction history notification system using the Internet, characterized in that the institution comprises an e-commerce shopping mall mainly for payment service. As a method of real-time funds transfer and transaction history notification using the Internet using the system of claim 1, A payment selection step of the customer selecting payment on the web page of the WebCMS affiliated institution; Payment information providing step of providing, by the WebCMS affiliated organization, payment information of the selected payment to the WebCMS providing system; The WebCMS providing system requesting the WebCMS affiliated organization to confirm the payment information, and the WebCMS affiliated organization responds to the payment information confirmation request; A payment request step of providing, by the WebCMS providing system, payment information confirmed from the WebCMS affiliated institution to the WebCMS affiliated bank and requesting payment; A payment response step of the WebCMS affiliate bank performing a payment task for the payment request and providing a payment processing result to the WebCMS providing system; A payment result notification step of the WebCMS providing system notifying the WebCMS affiliated institution of the payment processing result, and the WebCMS affiliated organization responding to the WebCMS providing system; And Real-time funds transfer and transaction history notification method using the Internet comprising the processing result notification step of notifying the customer the payment processing result and the response information that the WebCMS affiliated institution received the payment result notification.