KR20070088843A - Integrated settlement method using sms, escrow account and virtual account and recording medium thereof - Google Patents

Abstract

A method for processing complex payment using an SMS, an escrow account, and a virtual account, and a recording medium thereof are provided to enable customers to safely use an EC(Electronic Commerce) payment service by transmitting a password to a mobile terminal of the customer and preventing money from being withdrawn from other accounts. A shopping mall server receives an online purchase request from a client computer(1). The shopping mall server transmits member information and withdrawal information of the customer to a management server(2). The management server requests withdrawal confirmation to the mobile terminal of the customer through the SMS(3). If withdrawal is confirmed from the mobile terminal of the customer, the management server orders the withdrawal to a bank server by transmitting the withdrawal information(5). The bank server withdraws an amount by connecting to the banking server of the customer(8). The bank server informs the management server and the shopping mall server of the withdrawal(9). The shopping mall server outputs a delivery command of the article purchased by the customer(10).

Description

SSM, integrated settlement method using SMS, escrow account and virtual account and recording medium

1 is a schematic configuration diagram of a complex payment system using an SMS, an escrow account and a virtual account according to the present invention;

2 is a flowchart illustrating a schematic payment procedure of a complex payment system using an SMS, an escrow account, and a virtual account according to a first embodiment of the present invention;

3 is a configuration diagram of the payment member management window 100 displayed on the monitor of the management server 40 of the complex payment system according to the present invention;

4 is a flowchart illustrating a schematic payment order of a complex payment system using SMS, CMS, and virtual accounts according to a second embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

10: client computer of customer,

15: network,

20: customer mobile phone,

25: wireless network,

30: user institution server,

40: management server,

50: handling bank server,

60: KFTC server,

65: financial network,

70: customer transaction bank server,

100: window screen,

110: registration button,

120: save button,

130: close button,

150: list.

The present invention relates to a payment method using an escrow account and CMS, and more particularly, SMS, escrow account, virtual account and payment means (for example, account transfer, credit card payment, purchase card, reverse purchase) It relates to a complex payment method using a card, a purchase loan, an electronic credit loan, a payment order, a credit, a warranty, etc.).

In general, online payment methods for various commercial activities include escrow account, CMS (Cash Management System), virtual account, bank account, online credit card payment, real time account transfer, direct debit, mobile phone payment or Giro payment method. There is this.

The virtual account payment method using the escrow account service, which is one of the methods used to purchase goods and make payments in a shopping mall, is possible in real time, while a fee of 200-300 won is generated per purchase and entered for purchase in a shopping mall. It is inconvenient to input again through contents and withdrawal instruction screen.

In addition, the bank account deposit can be settled in real time, but it does not support business automation, and it requires a separate withdrawal order transaction such as Internet banking, telebanking, mobile banking, bank on, ATM deposit, and bank passbook deposit.

In the case of online credit settlement, it takes 10 to 15 days to generate and settle a large fee, called a merchant fee, and also exposes many problems such as illegal use using credit settlement of others.

In addition, even in the case of a real-time account transfer method, a high cost of processing fee is generated and a certain period of about two days is required, making it difficult to settle the real-time and burdening the customer information.

In addition, the mobile phone payment method that is widely used due to the convenience has the advantage of real-time, but it takes about 1 month ~ 3 months because high cost occurs and you have to wait until the call rate is settled. In addition, there is a limit to the commerce price because there is an advantage in the small settlement.

In addition, in the case of the traditionally widely used giro method has a high cost structure in which the bill issuance costs and case-specific charges occur. In addition, there is the inconvenience of paying to go to the bank and not receive real-time guidance, such as SMS / MMS.

In addition, the CMS service currently in service is weak in security, and there has been a financial accident such as withdrawal from another person's account and duplicate withdrawal. This problem occurs because you do not have account information.

The conventional payment method has some advantages and some disadvantages, respectively. Therefore, various payment methods are being integrated rather than unified. As a result, not only to confuse consumers, but also illegal activities such as hacking and phishing using vulnerabilities of each payment method are gradually increasing.

Accordingly, the present invention has been made to solve the above problems, to solve this problem by solving the problem of identity verification by receiving the customer's own password or the account password of the mobile phone holder using a mobile phone to solve this problem By preventing non-repudiation, security is secured so that withdrawals cannot occur without a user's account, and a sound cyber commerce payment service is supported to prevent financial accidents and to prevent commerce in the fields such as Internet shopping malls, mobile payments, and electronic trade. It is to provide a new payment service that can be activated.

To this end, the first object of the present invention is to use a complex payment method using SMS, escrow account, CMS and virtual account that can be easy to use and maintain very high security using only the advantages of the various payment methods as described above. To provide.

The second object of the present invention is to provide a convenient payment means according to domestic and foreign electronic commerce on a mobile phone (including WiBro wireless terminal), and use SMS, escrow account and virtual account, which enables payment intermediary service through mobile phone, Internet, wireless terminal. It is to provide a complex payment method.

The third object of the present invention is a complex payment method using SMS and virtual account that can withdraw funds from the customer's account and deposit the amount of the deposit into the account designated by the user for the purpose of various payments that occur regularly, continuously or from time to time. To provide.

An object of the present invention as described above, the user institution server 30 receives the online purchase request from the client computer 10 of the customer (S1);

Transmitting the member information and withdrawal information of the customer from the user institution server 30 to the management server 40 (S2);

Requesting withdrawal confirmation by SMS from the management server 40 to the customer's mobile phone 20 (S3);

If the withdrawal approval is received from the customer's mobile phone 20 (S4), the management server 40 sends the withdrawal information to the handling bank server 50 instructs the withdrawal, withdrawal from the customer's mobile phone 20 When it is denied (S4 '), granting a virtual account (S5, S5');

The step (S8, S8 ') that the handling bank server 50 accesses the customer's bank server 70 and withdraws the corresponding amount;

The handling bank server 50 notifying the management server 40 and the user institution server 30 of the withdrawal confirmation or the transfer confirmation through the virtual account (S9, S9 '); And

After receiving the withdrawal confirmation by the user institution server 30 outputting a delivery order of the purchase goods for the customer (S10); characterized in that consisting of the SMS, escrow account and a virtual payment method using a virtual account Can be achieved.

And, withdrawal approval step (S3) preferably comprises at least one or more of the password of the customer mobile phone, the account password of the customer transaction bank, the pre-registered approval password.

In addition, the withdrawal step (S8), the step (S7) that the handling bank server 50 transmits the withdrawal information to the financial settlement server (60); And

It is more preferable that the handling bank server 50 withdraws the corresponding amount on an instant withdrawal or at a predetermined registered withdrawal date based on the approval from the KFTC server 60.

In addition, the virtual account assignment step (S5 '),

The management server 40 requesting the granting of the virtual account to the customer's transaction bank server 70 (S5 '); And

And a step of notifying the management server 40 of the virtual account number assigned by the customer's transaction bank server 70 and sending an SMS to the customer's mobile phone 20 (S6 ', S6 "). May be suitable.

In addition, the remittance confirmation through the virtual account of the notification step (S9 ') includes a step in which the remittance to the management server 40 from the customer's transaction bank server 70 when the customer remitted to the notified virtual account Most preferred.

In addition, the communication between the servers 30, 40, 50, 60, and 70 may be performed by any one of TCP / IP, XML, or X.25.

The object of the present invention as described above is another category, which can be executed by a computer,

Program code for causing the user institution server 30 to receive an online purchase request from the client computer 10 of the customer;

Program code for transmitting the member information and withdrawal information of the customer from the user institution server 30 to the management server 40;

Program code to request a withdrawal confirmation by SMS from the management server 40 to the customer's mobile phone 20;

If withdrawal approval is received from the customer's mobile phone 20 using at least one of the password of the customer mobile phone 20, the account password of the customer transaction bank, the pre-registered approval password (S4), the management server 40 Program code to send the withdrawal information to the handling bank server 50 to instruct the withdrawal and to assign a virtual account if withdrawal is rejected from the customer's mobile phone 20 (S4 ');

Program code for causing the handling bank server 50 to send the withdrawal information to the KFTC server 60 so that the handling bank server 50 connects to the customer's transaction bank server 70 and withdraws the corresponding amount; And

Program code for causing the handling bank server 50 to withdraw a corresponding amount on a predetermined registered withdrawal date based on the approval from the financial settlement server 60;

A program code for causing the handling bank server 50 to notify the management server 40 and the user institution server 30 of the withdrawal confirmation or the transfer confirmation through the virtual account; And

It can be achieved by the recording medium consisting of; program code for causing the user institution server 30 to output the delivery command of the purchase goods to the customer after receiving the withdrawal confirmation.

Other objects, specific advantages and novel features of the invention will become more apparent from the following detailed description and the preferred embodiments described in conjunction with the accompanying drawings.

The invention will now be described in detail with reference to the accompanying drawings, in which preferred embodiments are shown.

(First embodiment)

1 is a schematic diagram of a complex payment system using SMS, escrow account and virtual account according to the present invention. As shown in FIG. 1, a client's client computer 10 and a number of servers are connected via a network 15, and the customer's mobile phone 20 is a two-way wireless data communication (eg, GSM, CDMA, TDMA, etc.) is possible. To this end, the network 15 may be operated in a TCP / IP protocol or an XML manner.

In addition, servers 50 and 70 of the financial institutions and the KFTC server 60 are connected through a separate financial computer network (65).

A typical customer is a consumer who needs goods or services, and in the present invention, online shopping is possible through a client computer 10, and withdrawal approval or rejection can be made through his mobile phone 20 that he is carrying. have.

User institution server 30 is a typical configuration of a variety of online shopping mall server. To this end, the user institution server 30 operates a homepage having a specific URL on a network 15 such as the Internet.

The management server 40 is an operating entity of the business model of the present invention, and performs various data paths, generation, storage, retrieval, and the like. To this end, the management server 40 is connected to the designated handling bank server 50, it is possible to transmit the SMS / MMS (Multi-media Message Servie) and the customer mobile phone 20 to the wireless 25 through the mobile communication company .

The handling bank server 50 is connected to the management server 40 can transmit and receive various financial information, and has a representative account number of the company (or corporation) that is the subject of the management server 40.

The customer trading bank 70 may be a commercial bank to which each customer deals. Such a customer transaction bank 70 may be targeted to insurance companies, securities companies, commercial banks, credit card companies, etc., which are capable of financial transactions.

The KFTC server 60 is configured to concentrate data of various online financial transactions, determine whether to approve each online transaction, and relay and settle the settlement. In particular, the connection with each bank server (50, 70) is connected to a separate financial computer network (for example, X.25) (65).

The mobile phone 20 is carried by a customer, and SMS / MMS communication is possible.

Hereinafter, using the configuration as described above with reference to the accompanying drawings will be described in detail the operation method of the complex payment system according to the present invention. 2 is a flowchart illustrating a schematic payment order of a complex payment system according to the present invention. As shown in FIG. 2, first, the user institution server 30 receives an online purchase request from the client computer 10 of the customer (S1). That is, the customer shops a particular item from the user institution server 30 and inputs financial information (eg, customer transaction bank, customer account number, payment amount, etc.) regarding the payment.

Then, the member information and withdrawal information of the customer is transmitted from the user institution server 30 to the management server 40 (S2). To this end, the management server 40 side company and the user agency server 30 side company should be in advance a contract for commerce and the like.

Then, the withdrawal confirmation request to SMS to the customer's mobile phone 20 from the management server 40 (S3). In other words, the customer's mobile phone 20 is confirmed whether the withdrawal of the payment. This verification step prevents the customer from withdrawing or involuntarily withdrawing money. In other words, the security of the present payment system is greatly increased.

Then, when the customer confirms that the SMS has arrived to his mobile phone 20, he decides whether to approve it. If you approve, enter the password of the mobile phone you know, the account password of the customer's bank, and the pre-registered authorization password.

Then, when the withdrawal approval is received from the customer's mobile phone 20 (S4), the management server 40 sends the withdrawal information to the handling bank server 50 to instruct the withdrawal.

Then, the handling bank server 50 is connected to the customer's bank server 70 and withdraws the corresponding amount (S8). At this time, the withdrawal of the withdrawal information immediately after withdrawal information or the predetermined registered withdrawal date on the basis of the approval from the KFTC server 60 after the bank bank 50 transmits the withdrawal information to the KFTC server 60; Withdraw money. In other words, the withdrawal date means a withdrawal date specified in the purchase contract or a date designated by the customer or a financial institution such as 3 days or 10 days each month.

When the withdrawal is completed, the handling bank server 50 notifies the management server 40 and the user institution server 30, respectively. If necessary, we can also notify you via SMS or email. Then, the user institution server 30 instructs delivery of the goods purchased by the customer. These delivery instructions may be a delivery order to a separate carrier, or may be printed through a printer. It may also be an indication of a delivery order via a monitor (not shown). After that, offline delivery is made through the courier company based on the delivery order. If it is an installment purchase, the delivery order will be notified once. This completes the normal withdrawal, approval and online shopping.

Hereinafter, the case where the withdrawal approval from the customer is denied will be described.

First, when a withdrawal is rejected from the customer's mobile phone 20 (S4 '), a virtual account is given. This will be described in more detail as follows.

First, the management server 40 requests the grant of the virtual account to the customer's trading bank server 70 (S5 '). Then, the customer's transaction bank server 70 notifies the management server 40 of the number of the virtual account assigned to it, and simultaneously sends an SMS to the customer's mobile phone 20 to notify. Therefore, the customer knows through the mobile phone 20 the number of the newly generated virtual account due to the refusal of their approval.

Then, the customer checks the product or goes through a separate commercial transaction and transfers the payment to the virtual account (S7 '). This way, when a customer is in doubt about online payment, he checks again and sends his own money.

When the transfer is made, the handling bank server 50 accesses the customer's bank server 70 and withdraws the corresponding amount (S8 ');

Then, the handling bank server 50 notifies the management server 40 and the user institution server 30 of the transfer confirmation through the virtual account (S9 '). In this case, since the customer directly remitted, SMS transmission to the customer's mobile phone 20 may be unnecessary.

Next, after the user institution server 30 receives the withdrawal confirmation, the user institution server 30 outputs a delivery instruction of the purchase article for the customer (S10). Steps after the delivery command output are the same as described above and will be omitted.

3 is a block diagram of the payment member management window 100 displayed on the monitor of the management server 40 of the complex payment system according to the present invention. As shown in FIG. 3, the list 150 and several buttons 110, 120, and 130 are displayed on the paying member management window 100.

On the list 150, fields such as business name, representative name, account holder's name, start date, withdrawal date, maturity date, monthly payment amount, outstanding amount, total amount withdrawal, progress status are defined, and the name of each customer (including corporation or natural person) is listed. .

From the progress, you can find out whether the customer is a new member, a withdrawal customer, or a customer applying for withdrawal.

The registration button 110 is used when registering a new customer or registering changed information, and the registration button 120 may be used when converting and storing the list 150 into a data file compatible with an Excel program.

Through the window 100 as shown in FIG. 3, the administrator can easily inquire about the member information, change, payment details, and the like.

(Second embodiment)

Portions not described in the second embodiment are the same as or similar to those in the first embodiment. However, the second embodiment may be applied to a case in which a certain amount of money is regularly collected from a customer account, such as a school, an ASP service provider, insurance premiums, and an installment financing payment.

4 is a flowchart illustrating a schematic payment order of a complex payment system using SMS, CMS, and virtual accounts according to a second embodiment of the present invention. As shown in FIG. 4, the management server 40 instructs the handling bank server 50 to withdraw a predetermined fixed amount every predetermined period (for example, monthly) (S5). In this case, the predetermined amount may be an allotment.

Then, the handling bank server 50 withdraws a predetermined amount every month from the customer's bank server 70 on the basis of the approval of the financial settlement server 60 (S8). At this time, the SMS transmission (S3, S4) to be approved for withdrawal to the customer is made only in the first month, and not to be made thereafter. However, monthly SMS transfers S3 and S4 withdrawal may be made.

When the customer uses the virtual account, the customer remits a certain amount of money to the virtual account every month (S7 ').

It is to be understood that the payment system according to the present invention can be easily applied and used not only in domestic but also in international trade, exchange transactions, remittances, and the like, and these uses also fall within the scope of the present invention.

The system of the present invention can be implemented as a series of instructions that can be read and executed by a computer, which instructions can be recorded on a record carrier. Examples of such a recording medium include a hard disk, a RAM device, a ROM device, a compact disk, a DVD, a CD-ROM, a magneto-optical disk, a floppy disk, a digital tape, a memory stick, and the like.

Therefore, according to one embodiment of the present invention as described above, it is possible to maintain a very high security while using convenience only by using the advantages of various payment methods. In other words, the user can instruct payment of various transactions by simple operation of the mobile phone.

In addition, a mobile phone (including a WiBro wireless terminal) provides a convenient payment method according to domestic and international electronic commerce, and payment brokerage service is available through a mobile phone, the Internet, and a wireless terminal.

In addition, there is a convenience that can withdraw funds from the customer's account to deposit the amount of storage into the account designated by the user for the various payment settlement demand that occurs regularly, continuously or from time to time.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it will be readily apparent to those skilled in the art that various other modifications and variations can be made without departing from the spirit and scope of the invention. It is obvious that all modifications fall within the scope of the appended claims.

Claims (8)

Receiving, by the user institution server 30, the online purchase request from the client computer 10 of the customer (S1); Transmitting the member information and withdrawal information of the customer from the user institution server 30 to the management server 40 (S2); Requesting a withdrawal confirmation via SMS from the management server 40 to the mobile phone 20 of the customer (S3); If the withdrawal approval is received from the customer's mobile phone 20 (S4), the management server 40 sends the withdrawal information to the handling bank server 50 to instruct the withdrawal, the customer's mobile phone 20 If the withdrawal is rejected from (S4 ') granting a virtual account (S5, S5'); The step (S8, S8 ') that the handling bank server 50 accesses the customer's bank server 70 and withdraws the corresponding amount; Step (S9, S9 ') of the handling bank server (50) notifying the management server (40) and the user institution server (30) of checking the withdrawal or remittance confirmation through the virtual account; And After receiving the withdrawal confirmation from the user institution server 30 outputting a delivery command of the purchase goods for the customer (S10); complex payment method using an SMS, escrow account and virtual account, characterized in that the configuration . According to claim 1, The withdrawal approval step (S3) SMS, escrow account and virtual, characterized in that at least one of the password of the customer mobile phone, the account password of the customer transaction bank, a pre-registered approval password Complex payment method using account. According to claim 1, The withdrawal step (S8), Step S7 of the handling bank server 50 transmitting the withdrawal information to the KFTC server 60; And SMS, escrow account and virtual, characterized in that the handling bank server 50 withdraws the corresponding amount on the withdrawal or a predetermined registered withdrawal date based on the approval from the KFTC server 60; Complex payment method using account. The method of claim 1, wherein the virtual account assignment step (S5 '), Requesting, by the management server 40, granting a virtual account to the customer's transaction bank server 70 (S5 '); And Notifying the management server 40 of the number of the virtual account assigned by the customer's transaction bank server 70, and sending an SMS notification to the customer's mobile phone 20 (S6 ', S6 "); Complex payment method using SMS, escrow account and virtual account, comprising. The method of claim 4, wherein Remittance confirmation through the virtual account of the notification step (S9 ') includes the step of the remittance to the management server 40 from the customer's transaction bank server 70 when the customer remitted to the virtual account received the notification; Complex payment method using SMS, escrow account and virtual account. The method according to any one of claims 1 to 5, Communication between each server (30, 40, 50, 60, 70) is a complex payment method using SMS, escrow account and virtual account, characterized in that any one of the method of TCP / IP, XML or X.25 . Executable by computer, Program code for causing the user institution server 30 to receive an online purchase request from the client computer 10 of the customer; Program code for transmitting the member information and withdrawal information of the customer from the user institution server 30 to the management server 40; A program code for requesting confirmation of withdrawal by SMS from the management server 40 to the mobile phone of the customer; If the withdrawal approval is received from at least one of the password of the customer mobile phone 20, the account password of the customer transaction bank, the pre-registered approval password from the mobile phone 20 of the customer (S4), the management Program code for the server 40 to send the withdrawal information to the handling bank server 50 to instruct the withdrawal and to assign a virtual account if withdrawal is rejected from the customer's mobile phone 20 (S4 '); Program code for causing the handling bank server 50 to send the withdrawal information to the KFTC server 60 so that the handling bank server 50 accesses the customer's transaction bank server 70 and withdraws the corresponding amount; And Program code for causing the handling bank server 50 to withdraw a corresponding amount on a predetermined registered withdrawal date based on the approval from the KFTC server 60; A program code for causing the handling bank server 50 to notify the management server 40 and the user institution server 30 of the withdrawal confirmation or the transfer confirmation through the virtual account; And And a program code for outputting a delivery instruction of the purchase item to the customer after the user institution server 30 receives the withdrawal confirmation. The method of claim 7, wherein the virtual account assignment program code, Program code for causing the management server 40 to request the granting of a virtual account to the customer's transaction bank server 70; And And a program code for notifying the management server (40) of the number of the virtual account assigned to the customer's transaction bank server (70) and sending an SMS notification to the customer's mobile phone (20).

Images