KR20100064213A - Payment system for giro and public charges connected to central server of enterprise and method therefor - Google Patents

Abstract

A method of paying giro and utility bills using a corporate central server that holds payment data for giro and utilities and a financial institution server connected to the giro and utility management server. Receives a request for inquiry to the giro and utility management server, notifies the corporate central server of the result of payment inquiry, and receives a request for payment of giro and utility bills from the enterprise central server to receive payment requests for giro and utility bills. The resultant payment result is notified to the corporate central server.

Description

Payment System for Giro and Public Charges Connected to Central Server of Enterprise and Method Therefor}

The present invention relates to a branch and utility bill payment system and a payment method connected to a corporate central server, and more particularly, a financial institution server connected to a corporate central server and a branch office and a bill management server performs a payment inquiry and a payment procedure. The present invention relates to a system and methods of payment for the branch and utility bills that facilitate the company's branch and utility bill payment procedures and subsequent procedures.

Many companies have tens or hundreds of stores that manage them, such as companies with national chains, such as convenience stores and large marts, or restaurants or distributors nationwide. Companies with so many branch offices pay direct payment of various branches and utility bills for local taxes and services in each branch, or centralize the bills to the headquarters for branches and billing notices generated from the branches. have.

In these companies, the branch offices are often centralized and processed by the branch offices for the branch and billing notices that occur at numerous branches in the country, rather than at each branch. However, a considerable problem arises because centralized sales of central offices are handled from many remote branches. A considerable amount of manpower must be allocated for the management of collected jiro slips (such as iron and iron, delivery management, slips, and accounting), and there is a high risk of missing or lost giro slips. Occurs.

In addition, even if the payment is made through the KFTC CMS, the KFTC does not provide the details after the withdrawal of the debit. The reality is that the process is very difficult.

Conventionally, each branch has delivered paper slips of giro and utility bills directly to the head office accounting team, by mail, or by entering the ERP system. The accounting team received these documents, sorted out or filled out the paper sheets, went through internal approval procedures, stopped by the bank, and paid through internet banking. The payment result was accounted for using the company's ERP system. Complex procedures waste manpower, time and resources, and are more likely to be missing or error. And the burden of managing paper slips is high.

The present invention is to solve the above problems, it is possible to maximize the efficiency of the company's branch and utility bill processing business, can significantly improve the company's internal branch and utility bill payment process, and with the internal accounting processing system It aims to provide a jiro and utility bill payment system and payment method that enable interlocking, eliminate risk of business operation and smoothly grasp contents even in automatic transfer.

According to the present invention, a method of paying a bill of lading and a bill using a corporate central server that holds payment data for a bill of lading and a bill and a financial institution server connected to a bill of money and a billing management server is a request for inquiry about the bill of paper and bills to be paid from the server of the company. Inquiry request receiving step of receiving a request, inquiry request step of making an inquiry request about giro and utility bills to be paid to the giro and utility management server, payment inquiry result receiving step of receiving a payment inquiry result from the giro and utility management server, payment inquiry The payment inquiry result notification step of notifying the corporate central server of the payment inquiry result received in the result receiving step, the payment request receiving step of receiving a payment request about giro and utility bill from the enterprise central server, and the giro and the billing management server. Payment request to request payment about utility bill And a payment result receiving step of receiving a payment result from the branch and utility bill management server, and a payment result notifying step of notifying the corporate central server of the payment result received in the payment result receiving step.

The payment inquiry result received in the payment inquiry result receiving step preferably includes payment due date and payment amount for each district and utility bill, and the payment result received by converting the payment result received in the payment result receiving step into a predetermined data format. It is preferable to notify the enterprise central server in the notification step.

In addition, the inquiry request received at the inquiry request receiving step includes an inquiry key, and the inquiry key preferably includes one or more of an electronic payment number, a social security number, a corporation number, a business number, and a customer number. The inquiry request received in the receiving step includes a simple inquiry key, and in the payment inquiry result receiving step, it is preferable to receive the detailed inquiry key using the simple inquiry key. It is further preferable to further include a detailed inquiry request step of making an inquiry request regarding the giro and the utility bill to the giro and the utility bill management server using the detailed inquiry key.

In addition, it is preferable that the payment result notified in the payment result notification step includes supply value and tax amount obtained by connecting to the server of the branch office and utility bill issuing agency, and a virtual account is allocated to each branch office. In this case, it is preferable to notify the corporate central server of the payment result written for each virtual account for each branch.

In addition, the corporate central server holding the payment data for the giro and utility bill according to the present invention, and the giro and utility bill payment system connected to the giro and utility bill management server, receives an inquiry request about the giro and bills to be paid from the enterprise central server Inquiry request processing unit that makes a request for inquiry about the payment of the payment and the payment due to the Giro and the billing management server, and receives the payment inquiry result from the Giro and the billing management server to notify the corporate central server of the payment inquiry result, and the company Receives a request for payment of giro and utility bills from the central server, requests payment of giro and utility bills to the bureau and utility management server, receives the payment result from the giro and utility management server, and sends the received payment result to the corporate central server. A payment request processing unit for providing notification is provided.

According to the utility bill payment system and the payment method of the present invention, it is possible to perform payment inquiry and payment and to be notified of the result in real time. The efficiency is maximized, and the data of the gross and utility payments can be linked with the company's internal accounting processing system to automate the work and to perform the inquiry process to prevent the loss of the documents and the overdue payment. Remove the list. In addition, by assigning a virtual account to each branch, it is possible to build a smoother ambassador when making direct debit payments, and to facilitate interworking with the company's ERP system. In addition, since it is possible to unify and manage the types of giro and utility bills that exist in various forms, it is possible to manage the company consistently and efficiently.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments will be described with reference to the accompanying drawings to help understand the present invention. The following examples are provided to more easily understand the present invention, and the present invention is not limited by these examples.

1 is a configuration diagram schematically showing the configuration of a branch and a utility bill payment system according to the present invention. Giro and utility bill payment system according to the present invention is a financial institution server 100, corporate central server 200, giro and utility bill management server 300, one or more branch terminals (401 ~ 404), electronic notice payment server 501 It comprises one or more collection agency server (502 ~ 504).

First, the financial institution server 100 plays a pivotal role in implementing the present invention. The financial institution server 100 is a server provided in a financial institution such as a bank and is connected to a corporate central server 200 and a branch and utility bill management server 300 through a network. The network connecting the financial institution server 100, the corporate central server 200, and the branch and utility bill management server 300 preferably uses a dedicated line in terms of transmission speed and stability.

The enterprise central server 200 is a central server of a customer company using a branch and utility billing service according to the present invention, and includes a management system for managing an enterprise including accounting processing, such as the ERP system 210, and such a management system. It is connected via a network. In addition, the corporate central server 200 is connected to the branch office terminals 401 to 404 which are terminals of the n branch offices of the company through a network. The branch 1 terminal 401, the branch 2 terminal 402, the branch 3 terminal 403, and the branch n terminal 404 of FIG. 1 are exemplarily illustrated, and the number of branch terminals may be one or more, It may be a central terminal connected directly to the corporate central server 200 without being connected to the server 200 via a network.

The giro and utility bill management server 300 is connected to the financial institution server 100 such as, for example, the Korea Financial Telecommunications & Clearings Institute (KFTC) server, and manages and processes the giro and the utility bill according to a predetermined protocol. Server. The branch and utility bill management server 300 is connected to the electronic notice payment server 501, and the collection agency server (502, 503, 504) via a network.

The electronic notification payment server 501 is a server capable of making online electronic payments regarding giro and utility bills, for example, an EBPP (Electronic Bill Presentment & Payment) server. The collection agency 1 server 502, the collection agency 2 server 503, the collection agency m server 504 of Figure 1 is shown as an example, the collection agency server is one or more, giro and billing management server 300 Alternatively, the electronic notification payment server 501 may be integrated. The collection agency server is, for example, the servers of the four major collection agencies: Korea Telecom, KEPCO, Korea Health Insurance Corporation, and the National Pension Service.

In the branch and utility bill payment system shown in FIG. 1, a schematic procedure between the components is as follows. First, each branch terminal (401 ~ 404) transmits the data on the branch and the utility bill to the corporate central server (200). It may be transmitted through a network, or some may be directly transmitted to the journal and input to the corporate central server 200. The corporate central server 200 may make a payment inquiry request and a payment request to the financial institution server 100 and are notified of the result. The financial institution server 100 may make a payment inquiry request and a payment request to the giro and the utility bill management server 300 and are notified of the result. In addition, the branch and utility bill management server 300 requests payment inquiry to the financial institution server 100 using the electronic notification payment server 501 and the collection institution server 502, 503, 504 or a database recorded therein. We will process the payment request and notify you of the result. In some cases, the present invention may be performed by directly accessing the electronic notice payment server 501 or the collection institution server 502, 503, 504 without passing through the branch and utility bill management server 300. If the electronic notice payment server 501 or the collection institution server 502, 503, 504 can directly perform the role of the branch and utility bill management server 300, it is possible to directly connect in this way, the branch and utility bill management The server 300 may be understood to include an electronic notice payment server 501 or a collection agency server 502, 503, 504. Next, the financial institution server 100 performing the pivotal role of the present invention will be described.

2 is a block diagram schematically showing the configuration of a financial institution server 100 according to an embodiment of the present invention. The financial institution server 100 includes a control unit 110, a communication unit 120, a storage unit 130, a data conversion unit 140, a payment request processing unit 150, and an inquiry request processing unit 160. In addition to the configuration shown in Figure 2, there are various additional components for operating the server, but are omitted for simplicity of description.

The controller 110 is a component that controls and computes each component of the financial institution server 100, and is connected to each component through internal communication means such as a bus. The communication unit 120 is a part for performing communication through the network with the corporate central server 200 and the branch and utility bill management server 300. The storage unit 130 is a storage space for storing a program for operating a server, basic data for performing a branch and a bill payment method according to the present invention, and data generated during execution. The data conversion unit 140 performs a task of converting the data format suitable for each server as necessary to solve a portion caused by the difference in the data format between the corporate central server 200 and the branch and utility bill management server 300. .

The inquiry request processing unit 160 receives the payment inquiry request from the corporate central server 200 and converts the desired data format from the giro and the bill management server 300 using the data converter 140 and then the giro and the bill management server ( Request a payment inquiry at 300). In addition, when the inquiry request processing unit 160 receives the payment inquiry result from the giro and utility bill management server 300, the data conversion unit 140 is converted into the desired data format in the enterprise central server 200, and then the payment inquiry result is converted to the corporate central office. The server 200 is notified.

In addition, the payment request processing unit 150 receives the payment request from the corporate central server 200 and converts to the desired data format in the giro and billing management server 300 using the data conversion unit 140, and then the giro and billing management server Request a payment at (300). In addition, when the payment request processing unit 160 receives the payment result from the giro and utility bill management server 300, after converting the payment result from the corporate central server 200 to the desired data format using the data conversion unit 140, the corporate central server ( 200). Specific procedures performed by each component of the financial institution server 100 for the implementation of the present invention are described in more detail below.

Figure 3 is a flow chart showing the procedure of the giro and utility bill payment method according to the present invention. Giro and utility bill payment method according to the present invention is largely divided into payment data collection step (S301 ~ S303), payment inquiry step (S304 ~ S311), payment step (S312 ~ S320).

First, the payment data collection step is composed of a step S301 for transmitting the giro and utility bill data, the payment data collection step S302, the payment data generation step S303. Each branch stores online and utility bill data to the corporate central server by inputting online or by handing relevant data through a terminal (step S301). In this case, the data of giro and utility bills include basic identification items for identifying each data at the payment inquiry stage or payment stage, such as business number, electronic payment number, and issuer classification.

On the other hand, in the present invention, the term "giro and utility bills" means some of those listed below or the like, and if the technical spirit of the present invention is applicable, the term "road and utility bills" is the scope of the invention. It does not limit. First of all, there are Jiro numbers, such as electricity bills, water bills, gas bills, cable TV bills, landline and mobile phone bills, and Internet bills. Local taxes and extra-tax revenues include license taxes, environmental improvement charges, road utility fees, and the like. Moreover, as national taxes and penalties, there are various penalties such as traffic penalties and national taxes.

If there is an electronic payment number (electronic payment number + 5 digit serial number in the case of national taxes) in the branch and utility bill, subsequent payment inquiry and payment steps are made using the electronic payment number as the inquiry key. If there is no e-payment number, data for each district and utility bill is transmitted as an inquiry key for the subsequent payment inquiry step and payment step. For example, in the case of local taxes and extra-tax income in Seoul, the resident code or corporation number (notification number, if available) is received and used as a search key. In addition, in case of water and sewage rate of Seoul, an 8-digit management number (29-digit notice number if possible) is received and used as an inquiry key. In the case of local taxes, tax revenues, and environmental improvement charges outside of Seoul, a resident number or a business number (electronic payment number, if possible) is received and used as an inquiry key. In addition, in case of water and sewage rates outside Seoul, a customer number (if applicable, customer number, month of charge, and electronic payment number) is received and used as an inquiry key. The data received for use as the inquiry key is the data that can distinguish each route and utility bill. If there is no electronic payment number and payment inquiry is difficult, payment is made through manual input, but if the database is built and only the value that is changed every month, such as the amount of money, it will be possible to easily pay the bill and bill in combination with the present invention.

In step S301, the corporate central server that has received the giro and the utility bill data collects payment data in step S302, and generates payment data in step S303. The meaning of generation includes updating existing data. Payment data held by the enterprise central server should be retained in a unified data format for integrated management despite the various forms of giro and utility bills. Once the payment data generation is complete, the corporate central server will have branch and utility bills to pay at each of its hundreds of branches. Next, the payment inquiry step is performed. The payment inquiry step may be performed automatically periodically or manually by inputting a specific command to the enterprise central server.

The enterprise central server holding the payment data makes a payment due address and a utility bill inquiry request (S304) to the financial institution server in step S304. The data format to be sent in the inquiry request is based on a predetermined data format between the company and the financial institution. If necessary, various fields such as identification number, business number, bank code, and password may be included. However, in order to perform payment inquiry, an inquiry key for inquiry must be included. The financial institution server that receives the inquiry request about whether the company wants to inquire and the utility bill performs data conversion to perform the inquiry (S305). If the data format received from the corporate central server is different from the data format to be sent to the inquiry and bill management server, data conversion is required. However, in some cases, the following procedure may be performed without data conversion. The same applies to the subsequent data conversion step.

In response to the inquiry request transmitted from the corporate central server, the financial institution server makes a request for inquiring into the giro and the billing management server in the data format including the inquiry key in advance and the billing inquiry (S306). The branch and utility bill management server which has received the transmission performs the branch and utility bill inquiry (S307). Giro and billing inquiry is made according to each inquiry key received and using the database stored in the giro and billing management server itself, or according to the type of giro and billing you want to query as shown in Figure 1 e-payment payment server 501 ) Or is performed by inquiring to the collection server server (502 ~ 504).

After completing the inquiry of the giro and the utility, the giro and the utility management server notifies the inquiry result including the payment due date and the payment amount for each of the giro and the utility (S308). Inquiry results may include a variety of additional information, such as delivery deadline, notification form, and publication type. For example, the notice form has a category such as normal meals, overdue meals, dunning meals, random meals, arrears, and direct deferred meals. The financial institution server that has been notified of the inquiry results such as the payment deadline and the payment amount, notifies the inquiry results such as the payment due date and the payment amount to the corporate central server that requested the payment inquiry after performing the data conversion (S309) as necessary (S310). The corporate central server notified of the inquiry result updates the payment data based on the received result (S311).

This allows the company to retain details of whether and how much to pay for all branches. There are many advantages to being able to automatically enter a lot of data that must be entered manually through the financial institution server that will be made later. For example, errors caused by direct input are prevented, and errors can be easily detected through the payment inquiry step even if the key is incorrectly entered in each branch or if the data of the branch and the bill are omitted. In addition, it is possible to hold many items that cannot be realistically reflected in direct input, which has a great advantage in accounting. In addition, it is possible to manage giro and utility bills issued by various institutions in a unified form, which enables consistent and efficient management in the enterprise.

Although the payment inquiry step described above is performed once using the inquiry key, it is also possible to perform the payment several times. For example, a payment inquiry step may be performed to fill in the remaining items each time the data is received in step S301. In addition, after performing the payment inquiry step, the payment inquiry is performed again immediately before the payment, and it is possible to know whether the individual branch has already made individual payments and other data has been changed. This is easily possible because the system according to the invention is built.

In addition, the payment inquiry step may be divided into a simple payment inquiry and a detailed payment inquiry. For example, if there is no electronic payment number such as local tax in Seoul, the resident code or corporation number is delivered from the corporate central server as a simple inquiry key for a simple payment inquiry. In addition, the financial institution server sends a brief inquiry key to the giro and utility bill management server to be notified of the notice number for the Seoul municipal tax imposed on the corresponding social security number or corporation number. The company's central server can receive data on local taxes in Seoul.

The corporate central server receives the detailed information about each notice number through the financial institution server in the same manner, using the notice number as a detailed inquiry key for detailed payment inquiry. After receiving the notice number using the simple inquiry key from the financial institution server, it does not deliver it to the corporate central server. Instead, it sends the details by requesting the inquiry with the notice number as the detailed inquiry key to the re-entry and utility bill management server and sends it to the corporate central server. You can also choose to format it.

After completing the payment inquiry step, the payment step (S312 ~ S320) is performed before the payment deadline by referring to the payment deadline written in the payment data. The corporate central server makes a payment request to the financial institution server including an identification date such as a payment date and a payment date and an inquiry key of utility bills based on the payment data prepared through the payment inquiry step (S312). The financial institution server that has received the payment request performs data conversion (S313) as necessary, and makes a payment request to the branch office and utility bill management server (S314). The request for payment includes an identification key, such as an inquiry key for bills and utilities. At the same time as the request for payment, the deposit is made from the designated account for each district and utility bill. The deposit will be paid to the Bank of Korea two days later. The giro and utility bill management server performs the giro and utility bill payment for each institution (S315), and notifies the financial institution server of the payment result (S316).

On the other hand, if the company has set the payment method of giro and utility bills to automatic debit, it is difficult to receive detailed information from the giro and utility management server when processed in one integrated payment account. In other words, since the information is not distinguished by each branch of the consolidated payment account, it takes considerable time and effort to determine whether the branch and utility bills were processed correctly and which branch's bills were processed. Therefore, in combination with the system of the present invention, after allocating a virtual account for each branch, the virtual account is registered with each collection agency, and the withdrawal occurs at the parent account of the company with which the virtual account is connected at the time of actual withdrawal. The details are booked by each virtual account and delivered to the corporate central server, so that the enterprise customer can easily and quickly determine whether the debit processing and its amount.

The financial institution server S317 notifies the corporate central server of the payment result after performing data conversion as necessary for the received payment result (S318). The notice of payment results shall include details of the branches and bills paid, along with information such as the account numbers on which the bills and bills were paid. In order to easily perform accounting processing in a management system such as an ERP system of an enterprise central server, the data conversion step (S317) converts the data so as to be suitable for the accounting processing in a predetermined manner with the corresponding company and notifies the payment result. The company central server notified of the payment result updates the payment data according to the payment result (S319), and then performs accounting processing for payment of giro and utility bills (S320). Since the financial institution server notifies the data in a format suitable for accounting processing, the accounting processing of step S320 is processed with significantly improved efficiency compared to the existing processing.

On the other hand, to collect data to facilitate the company's accounting process, it is necessary to collect the supply value and tax amount. Depending on the issuing institution, it may be difficult to determine the supply value and tax amount from the total amount paid. In some cases, the tax is only available on the web. For example, KEPCO displays tax invoices on the screen and provides a printing function, and does not deliver the result directly in a predetermined data format through communication between the server and the server. In this case, the so-called scraping method was used to extract desired contents such as supply value and tax amount from html data for realizing the screen, convert them into desired formats, and deliver them to the corporate central server. This allows the company to receive the desired services for effective accounting.

The giro and utility payment system and payment method according to the present invention utilize a system of financial institutions and public institutions to centralize and process giro and utilities at headquarters by a company having a distributor or a sales network in a nationwide or wide area. It can provide the optimal solution, improve the efficiency of corporate management, and improve the efficiency of business process and eliminate the risk of business process by facilitating the linkage with the ERP system.

1 is a configuration diagram schematically showing the configuration of the branch and utility bill payment system according to the present invention,

2 is a block diagram schematically showing the configuration of a financial institution server 100 according to the present invention.

Figure 3 is a flow chart showing the procedure of the giro and utility bill payment method according to the present invention.

Claims (16)

As a method of paying giro and utility bills using a corporate central server holding payment data for giro and utility bills and a financial institution server connected to the giro and utility bill management servers, An inquiry request receiving step of receiving an inquiry request about giro and utility bills to be paid from the enterprise central server; An inquiry request step of making an inquiry request about the giro and the utility bills to be paid to the giro and the utility bill management server; A payment inquiry result receiving step of receiving a payment inquiry result from a giro and a utility bill management server; A payment inquiry result notifying step of notifying the corporate central server of the payment inquiry result received in the payment inquiry result receiving step; A payment request receiving step of receiving a payment request regarding giro and utility bills from an enterprise central server; A payment request step of making a request for payment of giro and utility bills to the giro and utility management server; A payment result receiving step of receiving a payment result from a giro and a utility bill management server; And Giro and utility payment method comprising a payment result notification step of notifying the corporate central server of the payment result received in the payment result receiving step. The method according to claim 1, The payment inquiry result received in the payment inquiry result receiving step is a payment method for giro and utility bills, characterized in that it includes the payment due date and the payment amount for each district and utility bills. The method according to claim 1, And converting the payment result received in the payment result receiving step into a predetermined data format and notifying the corporate central server in the payment result notification step. The method according to claim 1, The inquiry request received in the inquiry request receiving step includes an inquiry key, wherein the inquiry key includes at least one of an electronic payment number, a social security number, a corporation number, a business number, and a customer number. How to pay utility bills. The method according to claim 1, The inquiry request received in the inquiry request receiving step includes a simple inquiry key, Giro and bill payment method characterized in that for receiving the payment inquiry result receiving detailed inquiry key using the simple inquiry key. The method according to claim 5, Giro and bill payment method further comprises a detailed inquiry request step for making an inquiry request for the giro and bills to the giro and billing management server using the detail inquiry key. The method according to claim 1, The payment result notified in the payment result notification step includes a supply value and a tax amount obtained by connecting to a server of a branch office and a bill issuing institution. The method according to claim 1, The virtual account is assigned to each branch, and in the payment result notification step, the corporate central server is notified of the payment result written for each virtual account for each branch. A branch and utility billing system connected to a corporate central server holding branch and utility bill data and to a branch and utility bill management server. Receives a request for inquiry about the planned Giro and utility bills from the central server of the company, requests an inquiry about the planned Giro and utility bills for the Giro and utility management server, and receives the payment inquiry result from the Giro and utility management server. An inquiry request processing unit for notifying the inquiry result to the enterprise central server; And Receives a request for payment of giro and utility bills from the corporate central server, requests payment of giro and utility bills to the giro and utility management server, and receives the payment result from the giro and utility management server. Giro and utility payment system with a payment request processing unit to notify. The method according to claim 9, The payment inquiry result received by the inquiry request processing unit includes a payment due date and a payment amount for each branch and utility bills. The method according to claim 9, And a data conversion unit for converting the payment result received by the payment request processing unit into a predetermined data format. The method according to claim 9, The inquiry request received by the inquiry request processing unit includes an inquiry key, and the inquiry key includes at least one of an electronic payment number, a social security number, a corporation number, a business number, and a customer number. Payment system. The method according to claim 9, The inquiry request received by the inquiry request processing unit includes a brief inquiry key, and the inquiry request processing unit receives a detailed inquiry key using the simplified inquiry key. 14. The method of claim 13, The inquiry request processing unit, the inquiry and bill payment system, characterized in that for making an inquiry request for the giro and bills to the giro and billing management server using the detailed inquiry key. The method according to claim 9, Giro and utility payment system characterized in that the payment result notified to the corporate central server includes the supply value and tax amount obtained by connecting to the server of the Giro and utility billing authority. The method according to claim 9, A virtual account is assigned to each branch, and the payment request processing unit notifies the corporate central server of the payment result written for each virtual account for each branch.

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