KR20040093340A - Online giro payment system and its method - Google Patents

Abstract

PURPOSE: A system and a method for giro charge payment on an online environment are provided to search giro charges billed to a user by connecting to a central server through the Internet or a telephone with a giro number or a resident registration number, and vicariously pay the giro charge of the user by using a bank account or a credit card selected from the user. CONSTITUTION: A client terminal comprises a PC(31) or the telephone(32) for searching a giro charge billing institution by inputting the giro number or the resident registration number to the central server, and requesting the giro charge payment through transfer of the bank account or the credit card. A giro charge billing institution terminal(40) searches a giro charge payment status by connecting to the central server. The central server is equipped with a web server(11) comprising a communication part(13) transmitting/receiving giro charge data by receiving connections from the outside, a database(14) storing the giro charge data, and a controller(12) controlling the communication part and the database.

Description

Online giro payment system and its method in online environment

The present invention relates to a system for payment of giro fees in an online environment and a method thereof. More specifically, the central server joins the user and the giro fee issuer as a member, and the user who accesses the central server through the mobile phone or PC enters the giro number or the social security number to search for their giro fee information, According to the fee information, the Giro fee is paid through wire transfer or credit card, and the central server is related to the Giro fee payment system and method for paying the fee through the bank, credit card company, financial settlement agency and EBPP server. .

In general, in order to use the giro rate system, the operator reports the use of the giro rate to the Financial Services Agency and charges the giro charge directly to the user through the EBPP (Electronic bill presentation & payment) function. There are two ways. The term EBPP is a process that enables the creation, delivery and payment of bills on the Internet.

In addition, the Jiro Fee includes the OCR Giro Fee, which is the Giro Number corresponding to the Giro Fee Issuing Agency, the Membership Number corresponding to the Fee Payer, and the amount reported to the KFTC, and only the Giro Number is reported. There is a MICR method for selectively inputting a payer.

Giro fee issuers who charge giro charges issue giro charges, and the payer who receives the giro charge bill pays the charges at a financial institution such as a bank using giro paper. Giro fees are widely used throughout the industry, including taxes, utilities, telecommunications fees, insurance fees, school fees, and other commodity bills.

In the conventional environment, the user receives the Jiro paper directly by mail or other means, and visits a second financial institution, such as a bank, to pay the Jiro fee directly by the date of receipt, or apply for direct debit to pay the Jiro fee on the designated date. Direct debit was made. In particular, when visiting a storage institution such as a bank, the user waits for his turn for a long time, and when he visits a school, a hospital, etc., which is a Giro Fare Issuer, he waits for a long time until his turn comes. There was a discomfort In such a conventional giro fee payment environment, the user must pay cash directly by visiting the receiving institution directly, or the balance can be paid only when the balance remains in the bank account.

In order to solve the above-mentioned problems of the conventional environment, the Internet giro payment system has established a tariff payment server on the Internet, receives giro fee information and payment means from the user, and periodically pays the fee as an automatic transfer. However, the conventional giro payment system is inconvenient that the user must specify the giro charges in advance, and the payment settlement means must be specified in advance.

In the conventional Internet giro payment system 1 shown in FIG. 1, it is possible to pay giro fees regularly charged by a state, a public company, or a large company through the above-described first method. Or there was no function to pay the fee to the general small business bill, and there was also a problem that can be paid only by connecting to the system 1 through the user PC (2). Therefore, there is a problem in that the user does not have time to visit the bank 3 directly and cannot pay the giro fee in a situation where the Internet is not available.

In the present invention for solving the problems of the conventional Internet Giro payment system, if the user has only a Giro number or a social security number, the user is connected to the central server via the telephone as well as the Internet to search the giro charges charged to him, It is an object of the present invention to provide a system and method for paying a fee for an online environment in which an online environment is paid through a designated bank account or credit card.

1 is a configuration diagram of a conventional Internet giro payment system,

2 is a block diagram of a giro fee payment system in an online environment according to an embodiment of the present invention.

3 is a configuration diagram of a central server of a giro fee payment system according to an embodiment of the present invention.

Figure 4 is a flow chart of the process in the giro fee payment system according to an embodiment of the present invention.

5 is a flow chart of an EBPP server connection process in a giro fee payment system according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1: conventional system 2: user PC

3: bank 4: giro fee payment system

10: central server 11: web server

12 control unit 13 communication unit

14: database 20: ARS server

30: client terminal 31: personal PC

32: phone 40: terminal fee issuer terminal

41: card reader 50: bank server

60: KFTC 70: Credit card company server

80: EBPP Server 141: Giro Fare Information DB

142: Automatic Payment DB

In accordance with an embodiment of the present invention, there is provided a system for paying giro fees in an online environment and a method for paying giro fees in an online client server environment. A client terminal comprising a user PC or a telephone which searches for a Giro fee issuer and requests payment of Giro fee through a wire transfer or a credit card; Giro fee issuer terminal for accessing the central server to search the status of payment of giro fee; A central server having a web server including a communication unit which receives a communication connection from the outside and transmits and receives data on the earth charges, a database unit in which the data on the earth charges is stored, and a control unit controlling the communication unit and the database unit; When the client terminal or the branch fee issuer terminal accesses the central server through a telephone, the received DTMF signal is converted and transmitted to the central server through online, and the data transmitted from the central server is converted to voice. An ARS server for relaying data transmission and reception by guiding; When the client terminal is connected to the central server to enter the giro number, the financial settlement server receives the giro number from the central server and provides the giro fee issuer information to the central server; An EBPP server, when the client terminal accesses the central server and inputs a resident registration number, receives the resident registration number from the central server and provides jiro fare information registered by the giro fee issuer to the central server; A bank server for receiving giro charge transfer information transmitted from the central server when the client terminal selects an account transfer as a giro charge payment means; And a credit card company server that receives credit card approval request information transmitted from the central server when the client terminal selects a credit card as a giro fee payment means. Receives a resident registration number and provides the information on the issuing agency fee / Giro fee information retrieved from the KFTC server / EBPP server, and receives a request to pay giro fee payment to pay the giro fee through the bank server or the credit card company server It is done.

According to a preferred feature of the present invention, the control unit of the central server, when receiving the Giro number from the client terminal, if the search for the Giro fee issuer information corresponding to the Giro number from the database unit, if the search fails Accessing the KFTC server, receiving the giro fee issuing agency information, storing the information in the database, and transmitting the information to the user client terminal; and when receiving the social security number from the user client terminal, It is characterized in that it has a function of transmitting all registered Jiro fare information from the EBPP server or the database unit to the user client terminal.

In addition, the database unit of the central server, if the user client terminal intends to pay a one-time giro fee, a giro fee information DB for storing the searched giro fee issuing agency information and giro fee information; And an automatic payment DB for storing the giro charge item, an automatic transfer date, and a payment means input from the client terminal when the user client terminal intends to pay the giro fee in a fixed manner.

In addition, a method for paying a fee for a fee is made in the online fee payment system of the online environment, comprising: (1) a login step of processing a login of a client terminal connected through a communication unit of a central server; (2) receiving a user's Giro number or social security number from the client terminal; (3) In the step (2), if the Giro number is input, the database unit of the central server is searched, and if the search fails, the Giro fee issuer information is accessed by accessing the KFTC server based on the Giro number. Searching for and storing the information in the database unit; (4) in the step (2), if the resident registration number is input, accessing an EBPP server based on the resident registration number, searching for the relevant giro fee information, and storing it in the database unit; (5) transmitting the branch fee information retrieved in the step (3) or step (4) to the client terminal; (6) receiving automatic account transfer information or credit card information from the client terminal as a means for paying giro; (7) in the step (6), in the case of payment through automatic account transfer, transmitting information for applying for bank transfer from the user's account to the account designated by the Giro fee issuer to the bank server; (8) when the payment is made through the credit card in step (6), accessing the credit card company server and requesting approval of the giro fee; And (9) transmitting the result of the payment of the fee to the client terminal processed in step (7) or step (8).

In addition, in the step (1), when the client terminal logs in to the central server as a wired or wireless telephone, when the user makes a phone call, the ARS server receives a DTMF signal through wired or wireless telephone communication, and the ARS server By converting the DTMF signal and accessing the web server of the central server through online, the data received from the web server is automatically converted to voice by the ARS server and automatically guided to the user to transmit and receive data between the telephone user and the central server. It is characterized in that the processing of payment of giro charges.

In the online environment according to the present invention constituted as described above, and the method, the method, the user is connected to the fee payment system using a phone or a PC, and the corresponding fee is entered by entering the user's number or resident number By searching for and then paying the giro fee by selecting a payment method such as bank transfer or credit card, the user can pay the giro fee even in an environment where the user does not know the Giro number or cannot use the PC.

1 is a configuration diagram of a conventional Internet giro payment system, Figure 2 is a configuration diagram of a giro fee payment system of the online environment according to an embodiment of the present invention, Figure 3 is a configuration diagram of the central server shown in FIG. 4 is a flowchart illustrating a processing procedure in a giro fee payment system according to an exemplary embodiment of the present invention, and FIG. 5 is a flowchart illustrating an EBPP server access procedure in the giro fee payment system of FIG. 4.

Hereinafter, a preferred embodiment of the present invention including the above components will be described in more detail with reference to the accompanying drawings.

1 shows a configuration of a conventional Internet branch payment system. In the center, an Internet Giro Payment System (1) corresponding to a server is constructed, and the user's PC (2) connects to the system via a network and pays the Giro fee through an automatic transfer account. The Giro Charge is a designated account of the bank (3). Were automatically debited.

Such a conventional system has to be accessed through a user's PC (2) in an environment where a network environment is established, and it is very limited because only regular giro charges imposed by large businesses such as countries, public corporations and large corporations can be paid. There was an inconvenience.

2 shows a configuration of a giro fee payment system 4 in an online environment according to an embodiment of the present invention.

The operator who issues and stores the Giro fee is connected to the central server through the Giro fee issuer terminal 40 provided with the card reader 41. When the card reader 41 is connected to the peripheral device, the card can be paid by reading a credit card. Even when the card reader 41 is not present, the card reader can be entered by inputting the credit card number through the keyboard. The giro fee issuing agency terminal 40 is mainly used when a user directly visits and pays a school, a hospital, an office, or the like corresponding to a giro fee issuing institution.

The user who pays the fee is connected to the central server through the client terminal 30 composed of the wired / wireless telephone 32 or the user PC 31. When accessing the central server 10 through the phone 32, the user dials into the ARS server 20, and receives the service provided by the central server 10 in accordance with the automatic response guide. In addition, the central server 10 can query the giro fee issuer terminal 40 corresponding to the operator requesting the giro fee to query the payment status of the giro fee paid by the user.

In order to use the Giro Fare System, employers of Giro Fare Issuing Organizations can register and use the KFTC, and they can make a request for Giro Fare through the EBPP server.

In the case of a giro fee system using the KFTC, the central server 10 receives a giro number from the connected client terminal 30, connects to the KFTC 60, retrieves the giro fee issuer information, and sends it to the client terminal. send. If the bill is charged through the EBPP server, the central server 10 receives the resident registration number and accesses the EBPP server 80, and the item of the fare, the fee issuing agency and the fee charged to the user corresponding to the resident registration number. You can search for information on Giro including. The EBPP server is mainly a relay agency that allows users to search the Giro fee information issued by a small company without going through the Financial Services Agency.

Figure 3 shows the configuration of a central server of the giro fee payment system according to an embodiment of the present invention. The central server 10 has a web server 11 for service through a network, a communication unit 13 for processing communication with the outside, a database unit 14 for storing various data related to the Jiro fee and the web. The control part 12 which controls the whole function of a server is provided.

The user connects to the web server 11 via the personal PC 31 or the phone 32. In particular, when the user accesses the phone, the user connects to the ARS server 20 through the telephone network. By converting the user's DTMF signal input into web format and sending it to the web server through online communication, the response from the web server is received through the online communication, converted to automatic guide voice, and then transmitted to the user through telephone communication. Interface the functions provided by the web server (11).

In the database unit 14 storing the user information and the branch fee information in the web server 11, the branch fee information DB 141 and the automatic payment DB 142 are constructed. The giro fee information DB 141 stores information about the giro fee that the user pays one-time. When the user wants to make a fixed payment, the user selects and registers a giro charge item, a payment date, and a payment method, and is stored in the automatic payment DB 142, and the central server pays the giro charge fixedly and notifies the user of the result. .

Hereinafter, a process of the giro fee payment system 4 according to the present invention will be described with reference to FIGS. 4 and 5.

The person in charge of the Giro fee storage organization or the general user accesses the central server 10 using the user PC or the telephone in the client terminal login step (S10). In addition, the client terminal 30 determines what to search for the fare information as to be searched in the selection of the number or the social security number (S20).

When the user inputs the number of the number in the step number input step (S30) according to the web page of the web server 11 or the ARS server 20, the control unit 12 of the central server first searches the database unit (S31). Search for the existence of the Jiro Fare Information corresponding to the entered Jiro Number. When Giro charge information is retrieved from the database unit 14, the corresponding item and Giro charge are transmitted to the client terminal in the Giro charge information transmission step (S50). If the search fails from the database, the central server 10 connects to the financial settlement server 60 in the financial settlement server connection step (S32), and corresponds to the giro number entered in the giro fee information search step (S33). Search if there is Giro rate information. The searched Jiro fee information is downloaded to the central server and stored in the database unit in the database unit storage step (S34).

When the user enters the resident registration number in the step S40 of inputting the number in the same manner (S40), the central server 10 connects to the EBPP server 80 in the EBPP server connection step S41 shown in FIG. Next, the Jiro fare information charged to the user is searched using the resident registration number received in the Giro fare information search step (S42), and the retrieved information is stored in the central server in the database storage step (S43). In the database search step (S44), it is searched whether the fee information is registered for the user. In particular, this step is very convenient because the user can look up and pay the Giro fare information through the database unit previously searched and stored only by their social security number if the user lost the Giro fare bill or outside.

The information about the Giro fee obtained through the connection of the financial settlement server 60 and the EBPP server 80 is transmitted to the client terminal in the Giro fee information transmission step (S50). After the user checks the received information, the user selects the Giro fee item and selects a preferred payment method in the step of wire transfer or credit card selection (S60). If the bank transfer is selected, the central server 10 receives the bank transfer information transmitted from the client terminal 30 in the bank transfer information receiving step (S70), and the bank server 50 in the bank transfer application step (S71). Request a transfer. If the credit card is selected, the central server receives the credit card information in the step of receiving credit card information (S80), encrypts the payment text in the approval request step (S81), and requests the approval to the credit card company server 70. Next, the central server 10 receives the payment confirmation result from the bank server 50 or the credit card company server 70 and transmits the processing result to the client terminal 30 in the result transmission step S90.

In particular, in the credit card approval request step (S81), the credit card company server 70 is authorized in the following two forms. The first method is a method of depositing credit card companies directly to a Giro issuing company after 3-4 days after obtaining approval like a general credit card merchant. After the second method is approved, the credit card company server sends the full text of the result of the winning date to the client terminal 30, and withdraws the corresponding amount from the bank account previously deposited by the credit card company, and transfers the payment to the bank account. In both cases, the credit card company's bank account must have a balance in order to make a normal authorization.

In the case of payment by credit card as the final settlement process, the payment amount will be charged to the customer next month, and if Giro issuing company is directly affiliated with the credit card company, the card company will settle directly to the issuing company and deposit it in the bank in advance. In case of payment by bank account in the bank, KFTC will settle the issuer.

The receipt of the giro fee paid in the above process is inquired from the client terminal 30 or the giro issuing agency terminal 40 connected to the central server 10.

As described above, an embodiment of a giro fee payment system and an method thereof in an online environment according to the present invention is constructed. The technical scope of the present invention is not necessarily limited to the above-described embodiment, and various modifications and applications can be made without departing from the technical scope of the present invention.

In accordance with the present invention, a system for paying giro fees in an online environment and a method thereof, wherein a user accesses a central server using a PC or a telephone, inputs a giro number or a social security number, searches for the giro bills charged to him, and transfers or credits the account. When the card is selected and the payment request is made, the central server pays the user's giro fee, so that the user can conveniently pay the giro fee even when the user does not know the giro number or cannot use the PC.

Claims (5)

Giro fee payment system for the client server environment online A client terminal comprising a user PC or a telephone connected to a central server to search for a fee for issuing a fee by entering a number or a social security number and requesting payment of the fee through a wire transfer or a credit card; Giro fee issuer terminal for accessing the central server to search the status of payment of giro fee; A central server having a web server including a communication unit which receives a communication connection from the outside and transmits and receives data on the earth charges, a database unit in which the data on the earth charges is stored, and a control unit controlling the communication unit and the database unit; When the client terminal or the branch fee issuer terminal accesses the central server through a telephone, the received DTMF signal is converted and transmitted to the central server through online, and the data transmitted from the central server is converted to voice. An ARS server for relaying data transmission and reception by guiding; When the client terminal is connected to the central server to enter the giro number, the financial settlement server receives the giro number from the central server and provides the giro fee issuer information to the central server; An EBPP server, when the client terminal accesses the central server and inputs a resident registration number, receives the resident registration number from the central server and provides jiro fare information registered by the giro fee issuer to the central server; A bank server for receiving giro charge transfer information transmitted from the central server when the client terminal selects an account transfer as a giro charge payment means; And If the client terminal selects a credit card as a giro fee payment means, credit card company server for receiving the credit card authorization request information sent by the central server; The central server receives a Giro number / resident registration number from the client terminal, provides the Giro fee issuer information / Giro fee information retrieved from the KFTC server / EBPP server, and receives a Giro fee payment request to the bank server or the credit. Giro fee payment system of the online environment, characterized in that to pay the giro through the card company server. The method of claim 1, The control unit of the central server, When the Giro number is received from the client terminal, the Giro fee issuer information corresponding to the Giro number is retrieved from the database unit. If the search fails, the Giro fee issuer information is received by accessing the KFTC server. Storing the data in the database unit and transmitting the stored data to the user client terminal; When receiving the resident registration number from the user client terminal, search for the giro fare information from the EBPP server or the database unit and transmit all registered giro fare information to the user client terminal. Giro fee payment system of environment. The method of claim 1, The database unit of the central server, A branch fee information DB for storing the found branch fee issuer information and the branch fee information when the user client terminal intends to pay a one-time fee for the branch; And In the case where the user client terminal intends to pay the giro fee in a fixed manner, an automatic payment DB for storing the giro charge item, the automatic transfer date, and the payment means input from the client terminal is provided. Payment system. As a method of paying giro charges in the giro fee payment system of the online environment, (1) a login step of processing a login of a client terminal connected through a communication unit of a central server; (2) receiving a user's Giro number or social security number from the client terminal; (3) In the step (2), if the Giro number is input, the database unit of the central server is searched, and if the search fails, the Giro fee issuer information is accessed by accessing the KFTC server based on the Giro number. Searching for and storing the information in the database unit; (4) in the step (2), if the resident registration number is input, accessing an EBPP server based on the resident registration number, searching for the relevant giro fee information, and storing it in the database unit; (5) transmitting the branch fee information retrieved in the step (3) or step (4) to the client terminal; (6) receiving automatic account transfer information or credit card information from the client terminal as a means for paying giro; (7) in the step (6), in the case of payment through automatic account transfer, transmitting information for applying for bank transfer from the user's account to the account designated by the Giro fee issuer to the bank server; (8) when the payment is made through the credit card in step (6), accessing the credit card company server and requesting approval of the giro fee; And And (9) transmitting the result of the payment of the fee to the client terminal processed in the step (7) or step (8). The method of claim 4, wherein Step (1), When the client terminal logs into the central server as a wired or wireless telephone, When a user makes a phone call, an ARS server receives a DTMF signal through wired or wireless telephone communication, and the ARS server converts the DTMF signal to access a web server of the central server through online, and receives a response from the web server. The ARS server converts the voice into voice and automatically guides the user to perform data transmission and reception between the telephone user and the central server to perform the payment of the giro fee in the online environment.