KR20110070614A

KR20110070614A - Method and system for callback service of direct debit in banking server, and computer readable medium thereof

Info

Publication number: KR20110070614A
Application number: KR1020090127476A
Authority: KR
Inventors: 정은정
Original assignee: 중소기업은행
Priority date: 2009-12-18
Filing date: 2009-12-18
Publication date: 2011-06-24

Abstract

The present invention relates to a callback service method, system, and a recording medium of a direct debit service in a bank server, the method comprising: receiving direct debit withdrawal billing information for a payment account of a customer from a server of a direct debiting institution requesting direct debit; Confirming whether the direct debit registration of the payment account of the customer with the direct debit authority; Generating an internet access text message including the direct debit withdrawal information for the customer's payment account and transmitting it to the customer's mobile terminal; Receiving information regarding whether to approve the direct debit request for the customer's payment account from the customer's mobile terminal; And selectively processing a debit requested amount from the customer's payment account to the account of the direct debit institution based on the information on whether the debit request has been approved. It is effective to enable withdrawal.

Description

Method and system for callback service of direct debit in banking server, and computer readable medium etc.

The present invention relates to a method, a system, and a recording medium for a callback service of a direct debit service at a bank server. The present invention relates to a callback service method, a system for executing a direct debit service, and a program recording medium for executing the method.

In recent years, as the financial industry develops, it is common for a customer to apply and pay a direct debit without paying a payment to a direct debiting institution such as a credit card company, an insurance company, or a telecommunication company. .

However, as direct debits are processed in batches at financial institutions without additional customer approval, withdrawal processing may be made based on unfair debit claims made by the direct debit organization or by relying solely on the direct debit agency's claim, regardless of the customer's intention. There is a problem that can be.

In addition, since it is difficult for the customer to maintain the balance of the payment account at a certain amount according to the time of withdrawal, there is a problem that it is difficult to efficiently manage the payment account. In addition, when a direct debit error occurs due to a management error of a financial institution or direct debit institution, there is a problem in that the debit withdrawal can not be selectively approved according to the customer's intention.

The technical problem to be solved by the present invention is to provide a callback service method, system, and a program recording medium for executing the method of the direct debit work in a bank server that enables selective withdrawal withdrawal according to the customer's intention. will be.

In addition, the technical problem to be solved by the present invention, a callback service method, system, and a program for executing the method of the direct debit work in the bank server to efficiently manage the payment account through advance notification of withdrawal details It is to provide a recording medium.

The present invention also provides a callback service method, system, and a program recording medium for executing the method of a direct debit service in a bank server that can prevent a debit error due to a management error of a financial institution or a direct debit institution.

In order to solve the above technical problem, the callback service method of the direct debit service in the bank server according to an embodiment of the present invention, the request for direct debit withdrawal for the customer's payment account from the server of the direct debit institution requesting the direct debit Receiving information; Confirming whether the direct debit registration of the payment account of the customer with the direct debit institution; Generating an internet access text message including the direct debit withdrawal billing information for the payment account of the customer and transmitting the generated text message to the mobile terminal of the customer; Receiving information on whether the debit request for the payment account of the customer is approved from the mobile terminal of the customer; And selectively transferring the requested amount of debit from the payment account of the customer to the account of the direct debit institution based on the information on whether the debit request has been approved.

The Internet access text message may include a name of the debit institution, an amount requested to be debited from the server of the debit institution, a date of request for direct debit from the server of the debit institution, a direct payment request, a withdrawal request, or the It may include information about the balance of the customer's payment account.

When the direct payment request is received from the mobile terminal of the customer, the debit requested amount may be transferred in real time, and information about the real time transfer processing may be transmitted to a server of the debit institution.

When the withdrawal request is received from the mobile terminal of the customer, the transfer processing from the payment account of the customer to the account of the direct debiting institution may be limited, and information about the withdrawal of the withdrawal may be transmitted to the server of the direct debiting institution. .

If the information regarding whether the debit request is approved from the mobile terminal of the customer is not received, the debit requested amount may be transferred at a predetermined initial withdrawal time.

The method may further include storing the debit withdrawal request information for the customer's payment account and information regarding whether the debit request has been approved in an internal database.

The direct debit institution may be an insurance company, a card company, a financial institution, a telecommunication company, a financial settlement agency, or a VAN company.

In addition, in order to solve the above technical problem, the callback service system of the direct debit service according to an embodiment of the present invention, the debit withdrawal billing information for the customer's payment account from the server of the direct debit authority requesting the automatic debit A bank server for receiving and storing information regarding a debit service registration from the customer's payment account to the account of the direct debit institution; And generating an internet access text message including the debit withdrawal request information received by the bank server and transmitting the text message to the mobile terminal of the customer, and approving the debit request for the payment account of the customer from the mobile terminal of the customer. An SMS server for receiving information on whether or not to transmit the information to the bank server, wherein the bank server selectively selects from the payment account of the customer based on the information on whether the debit request is approved. It is characterized in that the processing of the transfer of the requested amount of direct debit to the account of.

In addition, in order to solve the above technical problem, a computer-readable recording medium in which a program for executing a callback service method of a direct debit service in a bank server according to an embodiment of the present invention, the request for direct debit Receiving debit billing information for a customer's payment account from a server of a direct debit institution; Confirming whether the direct debit registration of the payment account of the customer with the direct debit institution; Generating an internet access text message including the direct debit withdrawal billing information for the payment account of the customer and transmitting the generated text message to the mobile terminal of the customer; Receiving information regarding whether to approve the direct debit request for the customer's payment account from the customer's mobile terminal; And selectively transferring the requested amount of debit from the payment account of the customer to the account of the direct debit institution based on the information on whether the debit request has been approved.

According to an embodiment of the present invention, the debit authorization information of the direct debit authority to confirm the withdrawal approval of the customer once more before the debit from the customer payment account, the selective payment according to the customer's intention It is possible to withdraw direct debit, and to prevent the debit error due to a management error of a financial institution or direct debit institution.

In addition, according to an embodiment of the present invention, by prior notification of the debit withdrawal billing information prior to the withdrawal from the customer payment account, there is an effect that allows the customer to efficiently manage the payment account.

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

1 is a diagram illustrating a callback service system of a direct debit service in a bank server according to an embodiment of the present invention.

Referring to FIG. 1, the callback service system of the direct debit service is a system for performing automatic debit withdrawal according to the customer's intention while simultaneously notifying the debit withdrawal details to the customer in advance.

In FIG. 1, the bank server 100 includes a bank foreign server 110 and a bank host server 120, and may further include an SMS server 130. Also, the callback service system of the direct debit service may include a bank host server 120 and an SMS server 130.

The bank host server 120 and the bank external system server 110 are connected to each other through a bank internal communication network, and the bank server 100 is connected to the direct debit institutions 160, 165, 170 through a dedicated communication network. In addition, the bank host server 120 and the SMS server 130 may be connected through a bank internal communication network or a dedicated communication network, the SMS server 130 is connected to the mobile terminal 140 of the customer through a wireless communication network.

The bank host server 120 is a server for processing and managing funds and managing a customer's account. The bank external system server 110 is a server for controlling data transmission and reception with the direct transfer institutions 160, 165 and 170 connected through a communication network and managing communication security. In addition, the SMS server 130 is a server for transmitting an SMS / MMS text message to the mobile terminal 140 of the customer or receiving a response message from the mobile terminal 140 of the customer. The direct debit institution 180 is an institution that requests a withdrawal request for a customer's payment account using a direct debit service, such as an insurance company, a card company, a financial institution, a communication company, a financial settlement agency, or a VAN company.

The customer may select a direct debit agency and apply for direct debit to a direct debit agency or bank. When a customer applies for direct debit to a direct debit institution, the direct debit institution (160, 165, 170) transmits the data on the debit application to the bank server (100). The bank host server 120 receives the debit request and generates a direct debit ledger, and then transmits the data regarding the result of the debit request to the direct debit institutions 160, 165 and 170. Direct debit agencies (160, 165, 170) may receive and provide data on the results of the debit application to the customer.

Meanwhile, the bank host server 120 receives the direct debit withdrawal request information for the current payment account of the customer who applied for the direct debit service from the direct debit institutions 160, 165, and 170 requesting direct debit. The direct debit withdrawal billing information is information on the details of the direct debit claim that the direct debiting institution 160, 165, 170 charges to the customer, such as insurance premiums, card charges, and communication fees.

The bank host server 120 receiving the direct debit withdrawal information confirms whether or not the direct debit registration of the customer's payment account is registered with the direct debiting institution (for example, 160) that has sent the debiting request (ie, the direct debiting institution of the customer). Confirms that you've applied for direct debit for.

Then, the bank host server 120 generates an Internet connection text message for the customer who applied for the SMS callback service, and causes the SMS server 130 to generate an Internet connection text message including the direct debit withdrawal billing information for the customer's payment account. The control to transmit to the mobile terminal 140 (150). In still another embodiment, the bank host server 120 may only use the above-mentioned Internet access text message if the date of receipt of the direct debit withdrawal information from the direct debiting institution 160, 165, 170 is earlier than the scheduled date of withdrawal of the customer's payment account. It may be controlled to generate and transmit to the customer's mobile terminal 140.

Internet access text messages (e.g. URL SMS / MMS) include the name of the direct debiting institution (e.g. SKT, Samsung Life Insurance, etc.), the amount of direct debit requested from the server of the debiting institution (e.g. , $ 100,000), the date the direct debit was requested from the server of the direct debiting organization (e.g. December 31), the direct debit request, withdrawal request, or the balance of the customer's payment account (e.g. It may contain information about. A direct payment request is a request for immediate withdrawal processing from the customer's payment account in real time, instead of withdrawal processing on the scheduled date of withdrawal from the customer's payment account. Direct debit to the bank account.

3 is a diagram illustrating an example screen of a customer mobile terminal displaying an Internet access text message including the above-mentioned direct debit withdrawal billing information.

The screen 300 of the customer mobile terminal includes the date of the request for direct debiting from the server of the direct debiting authority (315), the name of the direct debiting institution (305), and the amount of money requested for direct debiting from the server of the direct debiting institution together with the account number of the customer. (310), information 320 about the immediate payment request, information 325 about the withdrawal request, and information about the balance 330 of the customer's payment account is displayed.

The customer may connect to the bank host server 120 through the SMS server 130 via the SMS server 130 by connecting to, for example, the wireless Internet using the received Internet access text message.

On the other hand, the customer may select only a part of a plurality of direct debit institutions displayed on the screen 300 of the customer mobile terminal to request a direct payment or withdrawal request. In addition, the customer may request immediate payment for some of the multiple direct debiting institutions and withdraw the withdrawal for the remaining institutions. In addition, the customer may not respond to all or part of the agency whether or not to approve the debit request.

Referring back to FIG. 1, the bank host server 120 receives information 155 from the customer's mobile terminal 140 as to whether or not to approve the direct debit request for the customer's payment account.

The bank host server 120 optionally selects from the customer's payment account to the account of the direct debiting institution 180 based on the response information 155 on whether the debit request received from the customer's mobile terminal 140 is approved. Direct debit We process the requested amount.

In one embodiment, when the bank host server 120 receives a payment request directly from the mobile terminal 140 of the customer, the bank transfer server 120 processes the transfer amount in real time, and the real time transfer processing to the server of the direct debiting institution. Information can be sent. In this case, the bank host server 120 controls not to process further transfer at the original time of withdrawal scheduled at the time of application for direct debit service.

In addition, when the bank host server 120 receives a withdrawal request from the customer's mobile terminal 140, the bank host server 120 restricts the transfer process from the customer's payment account to the account of the direct debit institution 180, and the server of the debit institution. You can send information about withdrawal withdrawal.

In addition, when the bank host server 120 does not receive the information on whether the debit request is approved from the mobile terminal 140 of the customer, the initial withdrawal scheduled time when the debit requested amount is requested at the time of application for the direct debit service. You can process transfers on.

On the other hand, the bank host server 120, in order to back up the data relating to the above-described processing details, may store the information on the debit withdrawal request for the customer's payment account and whether the debit request is approved in the internal database. . In addition, the bank host server 120 may store and manage information about the customer who applied for the callback SMS service in an internal database.

The bank host server 120 requests information about a customer who applied for the direct debit callback SMS service through the manager screen of an administrator terminal (not shown) connected through a bank internal communication network, and requests for direct debit for the customer's payment account. It can be controlled to check the information, and information about whether the debit request is approved.

2 is a flowchart illustrating a callback service method of a direct debit service in a bank server according to an embodiment of the present invention.

Referring to FIG. 2, in step 202, the callback service system of the direct debit service receives the debit withdrawal billing information for the customer's payment account from the server of the direct debit institution requesting the direct debit. The direct debit agency may be an insurance company, a card company, a financial institution, a telecommunication company, a financial settlement agency, or a VAN company.

In step 204, the callback service system of the direct debit business checks whether or not the direct debit registration of the customer's payment account with respect to the direct debit authority.

In step 206, the callback service system of the direct debit business proceeds to step 210 if the direct debit service of the customer's payment account for the direct debit institution is registered, and the direct debit of the customer's payment account for the debit agency. If the service is not registered, the process proceeds to step 208.

In step 208, the callback service system of the direct debit service notifies the direct debiting organization of the information about the unregistered fact of the direct debit service and terminates the process.

If the direct debit service of the customer's payment account for the direct debiting institution is registered, in step 210, the callback service system of the direct debit business receives an Internet access text message containing the direct debit withdrawal information for the customer's payment account. Create and send to customer's mobile terminal. Internet access text messages may include the name of the direct debit organisation, the amount requested for direct debit from the server of the direct debit organisation, the date of the direct debit request from the server of the direct debit organisation, the direct debit request, the withdrawal request, or the customer's payment account. It may include information about the balance.

Steps 212 to 220 illustrate a process of transferring the requested amount of direct debit from the customer's payment account to the account of the direct debit institution based on the information on whether the debit request has been approved.

In step 212, the callback service system of the direct debit business receives information on whether or not to approve the direct debit request for the customer's payment account from the customer's mobile terminal. If no information regarding whether to approve the direct debit request is received from the customer's mobile terminal, the process proceeds to step 228. In step 228, the callback service system of the direct debit service transfers the requested amount of debit at a predetermined initial withdrawal time.

If in step 212 information is received from the customer's mobile terminal regarding the approval of the debit request, the process proceeds to step 214. In step 214, the callback service system of the direct debit service determines whether the information on whether the debit request is approved includes a direct payment request.

If the information on whether the debit request is approved in step 214 includes the immediate payment request, the process proceeds to step 216. In step 216, the callback service system of the direct debit service transfers the requested debit amount in real time. Then, the callback service system of the direct debit business transmits the information regarding the real time debit processing to the server of the direct debit institution in step 218.

If the information on whether or not to approve the direct debit request in step 214 does not include a direct payment request or is not shown in FIG. 3, the processing of the direct payment request is completed, and the flow proceeds to step 222.

In step 222, the callback service system of the direct debit service determines whether the information on whether the debit request is approved includes a withdrawal request.

If the information on whether the debit request is approved in step 222 includes the withdrawal request, the process proceeds to step 224. In step 224, the callback service system of the direct debit business limits the transfer process from the customer's payment account to the account of the direct debit institution. Then, the callback service system of the direct debit business transmits the information regarding the withdrawal of the withdrawal to the server of the direct debit institution in step 226.

If the information on whether the debit request is approved in step 222 does not include the withdrawal request, the process proceeds to step 228. In step 228, the callback service system of the direct debit service transfers the requested amount of debit at a predetermined initial withdrawal time.

The callback service system of the direct debit business optionally processes the debit requested amount from the customer's payment account to the account of the direct debit institution based on the information on whether the debit request has been approved. Direct debit withdrawal billing information for the payment account and information on whether the debit request is approved may be stored in an internal database.

In the bank server according to an embodiment of the present invention, the callback service method of the direct debit service may be embodied as computer readable codes on a computer readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium may also be distributed over a networked computer system and stored and executed as computer readable code in a distributed manner.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

3 is a diagram illustrating an example screen of a customer mobile terminal displaying an internet access text message including direct debit withdrawal information in the embodiments of FIGS. 1 and 2.

Claims

Receiving direct debit withdrawal billing information for a customer's payment account from a server of a direct debiting institution requesting direct debit;

Confirming whether the direct debit registration of the payment account of the customer with the direct debit institution;

Generating an internet access text message including the direct debit withdrawal billing information for the payment account of the customer and transmitting the generated text message to the mobile terminal of the customer;

Receiving information regarding whether to approve the direct debit request for the customer's payment account from the customer's mobile terminal; And

Selectively processing the debit requested amount from the payment account of the customer to the account of the direct debit institution based on the information on whether the debit request is approved or not; Callback service method of direct debit service.

The method of claim 1, wherein the Internet connection text message,

On the name of the direct debiting institution, the amount of direct debit requested from the server of the direct debiting organisation, the date of the direct debit request from the server of the direct debiting organisation, the direct payment request, the withdrawal request, or the balance of the customer's payment account. Callback service method of a direct debit service in a bank server, characterized in that it comprises information.

The method of claim 2,

When the direct payment request is received from the mobile terminal of the customer, the bank transfer server, characterized in that the transfer process in real time transfer the requested amount, and transmits the information about the real-time transfer processing to the server of the debit institution; Callback service method of direct debit service.

The method of claim 2,

When the withdrawal request is received from the mobile terminal of the customer, restricting the transfer process from the payment account of the customer to the account of the direct debiting institution, and transmitting the information about the withdrawal to the server of the direct debiting institution. Callback service method of direct debit service in the bank server characterized in that.

The method of claim 2,

If the information regarding the approval of the debit request is not received from the mobile terminal of the customer, the debit processing of the direct debit service in the bank server, characterized in that the transfer processing is processed at a predetermined initial withdrawal scheduled time. Callback service method.

The method according to any one of claims 3 to 5,

And storing the debit withdrawal request information for the customer's payment account and information regarding whether the debit request has been approved in an internal database.

The method of claim 1,

The direct debit agency, insurance company, card company, financial institution, telecommunications company, financial settlement agency, or VAN company callback service method of a direct debit service in a bank server.

Receiving the debit withdrawal billing information for the customer's payment account from the server of the direct debiting institution requesting direct debit, and stores information about the debit service registration from the customer's payment account to the account of the direct debiting institution. Bank server; And

Generates an Internet access text message including the debit and withdrawal request information received by the bank server and transmits it to the mobile terminal of the customer, and approves the debit request for the payment account of the customer from the mobile terminal of the customer. An SMS server for receiving information about and transmitting the information to the bank server,

The bank server, based on the information on whether the debit request is approved or not, the direct debit processing for the debit requested amount from the customer's payment account to the account of the direct debit institution optionally Callback service system of work.

Selectively processing the debit requested amount from the payment account of the customer to the account of the direct debit institution based on the information on whether the debit request is approved or not; A computer-readable recording medium containing a program for executing a callback service method of direct debit service.