KR20070113405A - Method of receiving and refunding a registeration fee by on-line - Google Patents

Abstract

A method for receiving and refunding tuition fees in the network is provided to enable a payer to pay the tuition fees conveniently without visiting a bank by receiving the tuition fees irrespective of cooperated banks, informing the payer of a registration state and result simultaneously with payment, and outputting a receipt in a school homepage. An online tuition fee reception file is generated by joining a tuition fee reception file and a virtual account master in a school server(S2). The generated online tuition fee reception file is transmitted to a cooperated bank server(S3). A virtual account number and registration payment details are provided to the payer(S4). The tuition fees are paid to the virtual account number and payment is informed to the payer(S6). The payer outputs the tuition fee receipt by logging in to the school server(S7). The online tuition fee reception file is completed by combining a school affair information database and tuition fee reception data, and the completed tuition fee reception file includes reception amount information and personal information of a student.

Description

METHOD OF RECEIVING AND REFUNDING A REGISTERATION FEE BY ON-LINE}

1 is a schematic diagram showing the entire process of receiving and refunding online tuition according to the present invention;

2 is an overall network configuration of the online tuition payment system according to the present invention,

3 is a flowchart illustrating an online tuition payment procedure according to the present invention;

4A is a conceptual diagram of a tuition storing file generation according to the present invention;

4b is a conceptual diagram of online tuition deposit file generation according to the present invention;

Figure 4c is an example of a virtual account according to the present invention,

5 is an example of an interface screen to grant a virtual account for each student in accordance with the present invention,

6 is an example of an interface screen for confirming the tuition calculation statement after the student logs in according to the present invention;

7 is an example of an interface screen for outputting a receipt after a student pays tuition according to the present invention;

8 is a flowchart illustrating a refund procedure according to the present invention;

9 is an example of an interface screen for a student applying for a refund after receiving and registering according to the present invention;

10 is an example of the interface screen for the student to the second authentication, after the first refund application in accordance with the present invention,

11 is a block diagram of an automatic dialing system according to the present invention.

* Explanation of symbols for main parts of the drawings

102: Internet 104: TCP / IP

106: SNA 108: leased line

110: payer 112: payer terminal

120: school 122: undergraduate system

124: Online tuition deposit system 130: Partner bank

131: tuition business server 132: gateway

133: mainframe 134: Internet banking server

135: passbook deposit terminal 136: passbook deposit management server

137: communication server 140: other financial institutions

141: financial network 142: other bank pass through terminal

144: Other Line Banking

The present invention relates to a method for storing and refunding online tuition fees. More specifically, the registration status can be confirmed in real time through automatic transmission and reception between a school and a bank using a virtual account, and the registration result can be confirmed by e-mail or text. The present invention relates to a method for storing and refunding online tuition fees that can improve the convenience of the payer and the work efficiency of the payee by notifying by SMS.

In general, the currently used university tuition storage method generates the billing data for the student, transmits the billing data to two or three partner banks of the school, and the partner bank receives the tuition fee and closes the work after that day. In other words, the daily tally is sent back to the school.

Such a conventional tuition fee storing method is inconvenient if there is a change in the tuition fee amount, and thus it is not possible to store the tuition fee.

Recently, a direct debit payment service has been introduced to eliminate this problem. However, the direct debit method requires the payer to have an account number of an affiliate bank. There are other problems such as real-time registration status inquiry from the school.

The present invention has been devised in view of the above-described conventional situation, and the first object of the present invention is to allow the storage business to be stored regardless of affiliated banks throughout the school, and at the same time the registration status and results The payment is notified to the payer, and the payer can print out the payment receipt through the school homepage and provide an online tuition payment method that can be easily processed without visiting the bank window.

It is a second object of the present invention to provide an online tuition payment method in which a tuition payment amount is changed and at the same time a payment amount is changed due to real time processing.

A third object of the present invention is to provide an online tuition refund method that can provide efficiency and convenience of work by automatically transferring online through secure two-factor authentication without visiting the school even when the payment is refunded.

A fourth object of the present invention is to provide an online tuition payment and refund method that can provide a better service in terms of registration rate prediction and marketing by enabling the school to determine whether or not the school enrollment intention is through an automatic dialing system when tuition is not paid. .

Online tuition storage method of the present invention for achieving the above object, the step of joining the tuition storage file and the virtual account master in the school server to generate an online tuition storage file; Transmitting the generated online tuition deposit file to an affiliate bank server; Providing the payer with the virtual account number to be paid and the tuition payment details; Paying tuition fees to the virtual account number; Transmitting tuition payment facts to the payer; And a payer logging into the school server and outputting a tuition payment receipt. The online tuition fee storing method may further include a step of updating the tuition fee by accessing the school server when the tuition fee to be paid is changed, and accordingly, the school server and the affiliated bank server renew the tuition fee. .

In addition, the online tuition refund method of the present invention for achieving the above object, the step of displaying a predetermined refund information when the refunder logged into the school server; Inputting a refund account number, a sequence number, a mobile phone number, and an e-mail on the refund information screen, and then clicking the request for refund, processing the first authentication by the ID and password; If the first authentication is successful, the refund application information is delivered to the school server, and a refund request is made, and the school server manager checks himself on a predetermined screen to perform second verification; And if the second authentication is successful, characterized in that it comprises a step of refund processing to the refund account.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram showing the entire process of receiving and refunding online tuition according to the present invention.

First, the present invention is equipped with a transmission and reception module in each server for communication between the university's own server and the partner bank server under the service agreement according to the tuition storage between each university and affiliated banks, The account number, name, student number, registration amount and other materials will be provided to the partner bank for collection. Here, a virtual account is a virtual child account attached to a bank account or a representative account of a bank, and is not a real bank account, and a number of computer codes (CMS codes) associated with a mother account are used as a kind of account. To play a role.

In the case of using the virtual account between the university and the bank according to the present invention, the university receives tens of thousands of account numbers and automatically assigns one account per student to the students and new students so that the students receive the tuition fee in the virtual account printed on the registration notice. Done.

Such a virtual account exists until the deposit is completed and then expires, and the deposit amount is deposited into the actual bank account of the university. This eliminates the need to check and verify the tuition of students deposited into the school's mother account.

Referring to FIG. 1, the entire online tuition payment and refund process of the present invention includes first to tenth processes S1 to S10. The first process (S1) is to calculate the amount of money for each tuition recipient of the university, and then complete the registration storage file (File), the second process (S2) by combining the completed tuition payment file and the virtual account master This is the process of completing a new online tuition deposit file. And the third process (S3) is the process of automatically transmitting the online tuition payment file to the affiliated bank, the fourth process (S4) is the process of the payer himself to log in to the university server to view and print the payment amount, the fifth process ( S5) is the process of paying tuition fees at all commercial banks (including 1.2 financial sectors). The sixth process (S6) is a process of notification of payment to the payer (E-mail, SMS), and the seventh process (S7) is a process in which the payer logs on to the university homepage and outputs a payment receipt. And the eighth process (S8) is a process for applying for a refund of the deposit payment, the ninth process (S9) is a process for refunding after approval of the department related to the refund, the tenth process (S10) is an automatic to prevent errors Dialing process.

For the convenience of explanation, the entire process of the present invention will be described with reference to universities by dividing the tuition payment procedure, the tuition refund procedure, and the automatic dialing procedure.

[Tuition Deposit Procedure]

2 is an overall network configuration of the online tuition payment system according to the present invention. Online tuition payment system according to the present invention is divided into the payer 110, the university 120, the affiliated bank 130, other financial institutions 140, as shown in FIG. The application is installed on the server 124 of the university and the server 131 of the affiliated bank.

Referring to FIG. 2, the university 120 is provided with a bachelor system 122 and an online tuition fee receiving system 124, and the bachelor system 122 is managed by a bachelor manager, including a bachelor management DB. The tuition fee storage system 124 is managed by the entrance examination manager. Payers (or students) can access the online tuition payment system 124 via the Internet 102 to request tuition and request a refund.

The affiliated bank 130 is a tuition service server 131, the gateway 132, the mainframe 133, the Internet banking server 134, passbook payment terminal 135, passbook deposit management server (IGX8430; 136), communication A server (CCU) 137 is provided. The registration service server 131 is connected to the university's online registration system 24 and the TCP / IP network 104, the main frame 133 is connected to the TCP / IP 104 through the gateway 132 It is responsible for paying the tuition, transferring the billing data, changing the billing data, transferring the tuition payment, and processing the refund. The payer 110 may store tuition fees through the Internet 102 and with the affiliated bank 130 through internet banking or mobile banking, and use the deposit / payment machine (CD / ATM) 135 of the affiliated bank branch to pay the tuition fee. You can also store. The bankbook depositing device 135 is connected to the bankbook deposit management server 136 through a dedicated line 108, and the affiliated bank 130 is a financial financial institution and a joint financial network of the Bank Federation (141) through the communication server 137. ) And other financial institutions (banks, second financial sector, etc.) 140 and other transactions can be processed. Therefore, the payer 110 may store the tuition fee by using the unpaid passivation device 142 at the branch of the other financial institution, or may receive the tuition fee through the Internet banking or the mobile banking 143 of the other financial institution.

In addition, the online tuition payment system 124 of the university and the tuition fee server 131 of the affiliated bank for receiving and refunding the tuition fee according to the present invention exchanges information using a transmission and reception message as shown in Table 1 below.

Division Full text Classification Division Professional occurrence Remarks Communication Start request 1000 100 University Start of transfer answer 1100 100 Bank End of work request 1000 200 University Transfer end answer 1100 200 Bank  And gold / registration Billing Data Transfer request University answer Bank Change billing data request University answer Bank Tuition payment request 4000 100 Bank Ledger history transmission answer 4100 100 University Total storage request 7000 400 University Current status of collection answer 7100 400 Bank Resend Tuition Payment request University answer Bank  Currency exchange Refund Request request 2000 100 University Transfer process per line answer 2100 100 Bank Subordinate system inquiry request 6000 100 University Aesop Reserve answer 6100 100 Bank Refund Day request 7000 300 University Transfer Status answer 7100 300 Bank Refund Details request 7000 100 University Payment History Inquiry answer 7100 100 Bank

As described above, in the online tuition receiving system according to the present invention, a transmission / reception module is opened so that data can always be transmitted and received through connection of a dedicated network in an affiliated bank 130 and a school 120, and based on this, real-time processing is possible. In addition to tuition fees, it can be used for all school storage activities, providing convenience in the school storage business.

3 is a flowchart illustrating an online tuition payment procedure according to the present invention, and illustrates a processing procedure between the payer 110 and the university 120, the affiliated bank 130, and another financial institution 140.

Referring to FIG. 3, in the tuition storing file generation process, the tuition storing file is completed by combining the university information database of the university and the tuition payment charging data as shown in FIG. 4A (S101). The completed tuition file contains information such as student personal information and deposit.

Subsequently, in the online tuition storing file generation process, as shown in FIG. 4B, the tuition storing file and the virtual account master are combined to complete the online tuition storing file (S102). At this time, the combination method calculates the column of the student ID and name tuition payment amount of the tuition file and automatically assigns 1: 1 to the virtual account in the virtual account master using the virtual account number master table assigned to the school by the bank. 1: 1 mapping between student ID, student number, name, and tuition withdrawal.

Here, a virtual account is a virtual child account attached to a bank account or a representative account of a bank, and is not a real bank account, and a number of computer codes (CMS codes) associated with a mother account are used as a kind of account. To play a role, it may be of a structure as shown in Figure 4c. Referring to Figure 4c, the first three digits of the virtual account is a virtual account point code, the second two digits are 91-94 tuition-related specialty code, the third two digits is a university identification code as a unique number of each university, 4 and 6 digits are student identification numbers, and 5 is a confirmation code.

5 is an example of a screen for joining a payment target and a virtual account master according to the present invention, and is an example of a screen for creating new online billing data. Simultaneously pressing the 'Register' button in the upper right of FIG. 5, the virtual account and the existing billing data are joined to complete the new billing data, and the virtual account of the 1: 1 account and the online tuition payment data are completed. Other functions such as 'bulk registration', 'account classification', 'delete', and 'convert to Excel file' can be given.

With the joining of the virtual account master and the billing data, it calculates the basic information of the payer and the amount of tuition, which is automatically updated by the professional sending / receiving codes between banks and universities as shown in Table 1, When a change request is made between a bank and a university, performance can be reduced by only sending and receiving the corresponding code.

The online tuition payment file completed as described above is transmitted from the online tuition payment system 124 of the university to the tuition fee server 131 of the affiliated bank. That is, the online tuition storing file to which the virtual account is assigned is automatically transmitted through the automatic transmission / reception module of the university server 124 and the affiliated bank server 131.

Thereafter, the payer (or student) logs in to the homepage of the university and clicks on the tuition viewing item to request tuition, and accordingly, the university server provides the tuition payment screen as shown in FIG. 6 (S104 to S106). Referring to FIG. 6, in accordance with the present invention, a payer may log in to the university server with an ID and password, and then view the personal tuition payment statement through the Internet, and click the 'Payment payment notice' on the screen of FIG. 6. In this case, the payment notice for the semester can be shown and printed. It contains detailed information such as a virtual account and personal information, a mobile phone number, an e-mail address, and the virtual account number described in the notice is displayed as a deposit account.

In addition, if you click on the 'Zero number approval' on the screen of Figure 6, you can be issued a Giro number approval (Squence) number through the first authentication (ID, password) on the web, the authorization number is refunded later It can also be used to apply for services. After checking the tuition payment calculation statement, if the user clicks 'connect internet banking' on the screen of FIG. 6, for the convenience of the payer, the bank automatically connects to the Internet banking of the paying bank (bank of the account owned by the payer). The tuition statement can be checked and paid at the same time.

As such, the payer 110 can check the tuition payment amount through the school homepage, and can check basic information for receiving a text message (SMS) and e-mail service at the same time based on the student information. have. At this time, as described above, the process of accessing the payment amount reading site automatically generates an ID (student number) and a password (7 digits after the resident number) when registering a new tuition fee, and further secures the password by enabling a later password change. I can strengthen it more.

On the other hand, if it is necessary to change the tuition fee according to the circumstances of each student, such as the student assembly fee or dormitory fee, it is necessary to change the total tuition to be paid (S107-S111). In other words, if the tuition fee needs to be changed, the student first undergoes the first certification process through the school website (ID and password), and then the tuition fee can be requested for the student union fee or dormitory fee.

When the tuition amount calculation request is changed, the payment amount changed to the tuition fee server 131 of the partner bank is updated by the online tuition fee storage system 124 of the school, and the tuition fee storage server 131 of the partner bank is updated. Basic information such as the amount of money checked, payment date, and limit on the number of times of deposit are changed at the same time as the ledger and updated at the ledger of the affiliated bank's tuition deposit server. By updating the data in the ledger of the affiliated bank storage server and automatically updating the data in the university's tuition storage ledger, the payer may store the tuition fee based on the changed tuition calculation statement. In other words, when the payer requests to change the amount of the tuition fee and resends the fee, the server 124 of the online tuition payment system automatically requests the tuition fee server 131 of the bank to change the tuition fee and the tuition fee of the bank. By updating the registration change in the up-market server (Updata), the change in the payment amount according to the change in the tuition fee is completed, and the payer can pay the changed payment amount in real time through various media such as Internet banking, phone banking, and window reception.

As described above, the present invention solves the inconvenience of waiting until the second tuition acceptance period when the change of the existing tuition amount occurs in real time by changing the tuition fee in real time. In addition, due to the real-time processing can solve the conventional inconvenience.

Through the above process, the tuition payment file is transferred to the affiliate bank server 131, so that not only the partner bank but also other financial institutions can select various methods such as window payment, other deposit, and internet banking, and pay them to the virtual account. As soon as the payment is received, the storage history is updated (Updata) to the affiliated bank server 131, and the school server 124 is automatically updated (Updata) by transmitting the updated contents to the server 124 of the university through the automatic transmission / reception module. (S112-S114). At this time, tuition payment method can be divided into payment by affiliated bank and payment by other financial institution as follows.

<Payment Method 1> Internet Banking, Phone Banking, and Counter Reception

When payer 110 uses internet banking and phone banking with the virtual account indicated in the tuition fee, the payer 110 is connected to the partner bank's Internet banking server (HP N4000) 134 and processed and the deposit is completed. The account information server compares the personal information and the amount of the tuition business server 131, and if it matches, it is transmitted to the online tuition server 124 of the university via the secured TCP / IP line 104.

<Payment method 2> Internet banking, phone banking, and counter application at other banks

The payer 110, in the case of Internet banking, phone banking, and bank reception at another bank other than the affiliated bank of the university (S113), the tuition fee deposited into the virtual account is through the Bank Federation (Financial KFTC), the account server of the affiliated bank. Send the full message to the accounting server, the registration fee and personal information is read back to the tuition service server 131, and compares the basic information of the payer, and sends the data to the bank association (financial settlement agency), the other bank this data Receive the payment, and confirm the registration amount and whether or not your account, and if the match is received.

When the deposit is received, the deposit is processed again by the affiliated bank through the Bank Federation (Financial KFTC), and the deposited data is updated in the tuition fee server 131 of the partner bank and at the same time through the TCP / IP 104. The online tuition payment system 124 is updated.

As described above, the tuition payment method according to the present invention can be deposited through various media such as bank reception, Internet banking, phone banking, ATM terminal, etc. at virtually all financial institutions using a virtual account. have. At this time, the personal information of the depositor has personal information including the name / resident number to verify whether the accessor of the depositor is his or her identity, and can confirm whether the virtual account matches his / her identity before depositing the payment and payment to another account. You can prevent it. In addition, if the deposit amount of the tuition does not match, an error message is output so that registration cannot be received, and the tuition cannot be received in duplicate.

When the university server 124 is automatically updated by paying the tuition fee, the result is returned and sent to the SMS message server. Accordingly, the SMS message server is a mobile phone in the payer information of the payer. Recognizing the number, and transmits the payment result via the text message (SMS) to the mobile phone (S115). At this time, the notice of payment result shall be obtained when calculating the new registration target, in the process of user authentication (login), securing the payer's ID / password / name / resident number / cell phone / E-mail, etc. Provides a service for automatic transmission to -mail and mobile phones.

When the payment is completed, the payer can access the school homepage, log in, and output the tuition receipt, as shown in FIG. 7 (S116 and S117). In other words, when the payer accesses the school homepage, the payer's ID and password provided at the time of the new registration are requested, and then compared with the payer information set in the database, the payment receipt can be output.

Referring to FIG. 7, after the payment result is notified by SMS and E-mail, when the payer accesses the school homepage and logs in, the 'Issue receipt' button is activated, and when this button is clicked, the tuition payment receipt ( Payer, payment amount, and payment account number).

On the other hand, when the tuition payment deadline is approaching, determine the unpaid in advance and call the unpaid person through the automatic dialing system as shown in FIG. 11 to check the registration status or the intention of registration to prevent disadvantages due to the non-payment. The additional registration can be determined quickly (S118, S119).

[Tuition refund process]

8 is a flowchart illustrating a tuition refund procedure according to the present invention, and FIG. 9 is an example of an interface screen in which a student applies for a refund after receiving a tuition fee according to the present invention. FIG. 10 is a first refund of a student according to the present invention. This is an example of an interface screen for second authentication after application.

In the case of the tuition refund request according to the present invention, the payer requests a refund by accessing the university server through the Internet, and accordingly, the university's online tuition payment system server receives the request and, after approval of the admission manager and the accounting department employee, cooperates After sending the message to the bank (TCP / IP) and checking the refund amount of the tuition service server, the affiliated bank transfers the funds to the requested account number.

In the other case, after the data is transferred from the tuition service server of the partner bank to the accounting server through the online banking server (HP N4000), the transfer is completed to the payer's account through the bank association (financial settlement agency).

The refund application can be applied after the first authentication upon login, and the second application must be completed once again after the second authentication such as whether or not the user's account, squence number, and SMS authentication. Refund approval and payment is completed by reviewing the relevant department, the admissions department and accounting department for the information of the person applying for refund, confirming the account and refund amount, and adding one final approval once more.

Referring to FIG. 8, in order to apply for a refund after registration is completed, the payer logs into the school homepage, clicks the 'Request for refund' button on the refund application screen, and then again receives the online tuition storage system with the first authentication (ID / password). A refund can be requested by accessing (S201). When requesting a refund, check the squence number, bank code, account number, resident number, name, mobile phone number, e-mail address, etc. printed on the existing payment information.

If the refund application is completed, review the details of the refund request from the department in charge of the university (entrance, accounting department, etc.) and confirm the identity of the person who applied for the refund (authentication key, squence number, SMS, and the applicant's account. Confirmation) and approval (S202 ~ S213). Self-check by phone number confirms the identity by sending the authentication key to the phone number of the applicant previously entered and enters the authentication key again (S203 ~ S205). Check with the bank, if the other financial institution is confirmed by the financial institution (S206 ~ S212).

Refund Request After Confirmation After the approval is completed in the data payment, a special request (2000/100) is made to the partner bank, and if the account number to be refunded is a partner bank or another bank, the partner bank refunds the requested account number. If other banks are processed, the bank association (financial settlement agency) sends a full text to confirm the existence of the person's account, and if it matches with the refund information and the basic information (name, resident number, etc.), it goes to the other bank. Deposit is completed (S213-S223).

9 is a screen in which a payer logs in when applying for a refund according to the present invention, and provides refunders with convenience by providing a refund period, a refund time, and a telephone call. The screen of FIG. 9 shows a sequence number, an E-mail, an SMS, a refund amount, etc., and shows that the refund application can be made after the first login.

10 is an example of a screen for viewing the personal details of the subject of the refund in the relevant department (entrance, accounting department) of the university when completing the refund application in accordance with the present invention, check the person through the self-check buttons and the result You can check it.

[Unpaid Auto Dialing Procedure]

11 is a block diagram of an automatic dialing system according to the present invention.

The automatic dialing system according to the present invention requests the current unregistered personnel list after running the real-time process of the payment status through the bank internal network 310 and the school internal network 320 as shown in FIG. Is transmitted to the terminal to automatically dial the unregistered student 330 through the automatic dialing hardware by the automatic dialing process. Such an automatic dialing system is a system that allows the unregistered student to confirm his / her intention by the deadline, even if the payer has paid the tuition fee and the deposit has not yet been processed due to the remittance, and the school has not been notified.

As described above, the automatic dialing system of the present invention can check the registration intention and errors in the registration process in advance for the unregistered person during the registration period. In this case, the registration process error is when the student pays the tuition fee but has not yet been notified to the school because it has not been processed due to the remittance, and the automatic dialing system of the present invention can confirm the registration and if the registration is not registered. The registration can be checked and can be linked to the recruitment counseling system in the future. Therefore, the present invention can quickly know the current intention of the non-registrant and the payment history of tuition, and can be used for recruitment counseling information using calculation information and the like.

As described above, the online tuition payment and refund method according to the present invention eliminates the inconvenience of having to visit an affiliated bank for the payer, provides an easy payment method by diversifying the payment method, and prevents overpayment due to the mistake of the payer. Also, return students, occasional registrants, etc. can be paid immediately by generating real-time billing data, and provide the effect of checking errors and payments in real time (payment errors due to bank mistakes and real-time payments). can do.

In addition, on the receiving side (university) side, it is possible to grasp the registration status in real time, to prevent the unregistered and overpayment, and to quickly take action when recruiting additional freshmen, and on the bank side, the banking staff (collecting person) It can improve, reduce the utilization rate of bank counters, and improve the bank image due to the improvement of business between universities.

In addition, it is possible to improve the time and geographical inconvenience (Seoul students have to visit Daegu in order to receive a refund after they pass the university in Daegu) because they do not have to go directly to the university even for a refund.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

Claims (10)

Joining the tuition storing file and the virtual account master in the school server to generate an online tuition storing file; Transmitting the generated online tuition deposit file to an affiliate bank server; Providing the payer with the virtual account number to be paid and the tuition payment details; Paying tuition fees to the virtual account number; Transmitting tuition payment facts to the payer; And And the payer logging in to the school server and outputting a tuition payment receipt. The method of claim 1, wherein the online tuition fee storing method is When the tuition fee is to be changed, the school server and the affiliated bank server update the tuition fee by connecting to the school server and requesting a tuition fee to be paid, thereby updating the tuition fee. According to claim 1 or 2, wherein the tuition storage file Completed by combining the academic information database and the tuition fee payment data, the completed tuition fee storage file comprises the information of the student personal information and storage amount. According to claim 1 or 2, wherein the online tuition storage file After calculating the student ID, name, tuition payment amount column of the tuition payment file, the bank automatically assigns 1: 1 to the virtual account in the virtual account master by using the virtual account number master table assigned to the school. Online tuition storage method characterized in that generated by mapping the name, tuition withdrawal, etc. in a 1: 1. The method of claim 1 or 2, wherein the virtual account number is Online account storage method characterized by consisting of a virtual account point code, tuition-related professional code, university identification code, student-specific code, confirmation code. The method of claim 1 or 2, wherein the payment of tuition Payment can be made by using one of the partner bank's Internet banking, phone banking, bank reception, or other financial institution's Internet banking, phone banking or bank reception, and if the deposit amount of tuition does not match, an error cannot be received. A method of storing online tuition fees, characterized by outputting a message and making it impossible to receive tuition fees in double. The method of claim 1 or 2, wherein the online tuition fee storing method is When the tuition deadline is due, the online tuition storage method characterized in that the non-payee can be dialed automatically to confirm registration or to quickly confirm the intention of registration. Displaying predetermined refund information when a refunder logs in to the school server; Inputting a refund account number, a sequence number, a mobile phone number, and an e-mail on the refund information screen, and then clicking the request for refund, processing the first authentication by the ID and password; If the first authentication is successful, the refund application information is delivered to the school server, and a refund request is made, and the school server manager checks himself on a predetermined screen to perform second verification; And And if the second authentication succeeds, refunding the refunded account. 9. The online tuition fee of claim 8, wherein the second authentication is performed by sending a verification key to a mobile phone number or an e-mail address and verifying the identity of the user, and a bank account of the bank for the refund account. Refund method. The method of claim 8, wherein the refund processing is If the refund account is an affiliate bank, refund to the refund account of the affiliate bank; and if the refund account is another financial institution, refund to the refund account of the financial institution.

Images