KR20120130539A

KR20120130539A - Integrated billing service

Info

Publication number: KR20120130539A
Application number: KR1020110048545A
Authority: KR
Inventors: 허병희; 유재현
Original assignee: (주)농협정보시스템; 농업협동조합중앙회; 주식회사 엔써티
Priority date: 2011-05-23
Filing date: 2011-05-23
Publication date: 2012-12-03

Abstract

An object of the present invention is to integrate and provide a variety of payment services, to enable customers to provide a consistent service.
In order to achieve the above object, the method of using the integrated management system according to the present invention includes a first step in which the management server 40 receives a first time acceptance fee from the customer 10, and the user authority 30 A second step of transmitting, to the management server 40, the member information of the customer 10 who has agreed to the storage and the storing information of the cost, and the customer 10 confirms the receipt of the cost from the management server 40 to the mobile phone. The third step of receiving the guidance, the customer 10 selects the approval of the receipt of the cost to the mobile phone, and when the acceptance of the receipt of the expense from the mobile phone of the customer 10, the user organization 30 is the management The fourth step of requesting the storage of the costs to the server 40 and the storage request of the user institution 30, the management server 40 is the payment account of the customer 10 and the storage account 70 If is the same financial institution, from the payment account of the customer (10) And a fifth step of instructing the storage bank 70 to store costs in the house bank 50 so that the server of the house bank 50 stores the money into the storage account 70. A sixth step of notifying the management server 40 that the server of the bank 50 or the server of the handling bank 60 notifies that the expenses have been stored in the storage account 70, and the management server 40 And a seventh step of notifying the customer 10 or the user organization 30 of the received contents.

Description

Integrated billing service {INTEGRATED BILLING SERVICE}

The present invention relates to an integrated billing service, and more particularly, to an integrated billing service combining a virtual account, a firm banking, a financial institution (CMS), a mobile branch, and the like, which automatically receive and transfer various expenses from a customer account on a predetermined date.

The individual payment method provided in the past does not provide an integrated payment service, thereby providing a inconvenience to customers. For example, a user who wants to pay by credit card should access a system linked with a service that allows credit card payment, and a user who wants to pay by virtual account should access a system linked with a separate service that provides a virtual account service. There is a ham. In addition, by using an individual payment method, there is a problem in that an excessive use fee (service fee, fee, etc.) must be paid.

Accordingly, the technical problem to be achieved by the present invention is to provide a consistent service to the customer by providing a variety of integrated payment services.

In addition, the technical problem to be achieved by the present invention is to simplify the user's work by providing a simple and convenient service to the user using the service.

In addition, the technical problem to be achieved by the present invention is to provide a more differentiated and convenient service by integrating and providing a conventional payment method.

In order to achieve the above object, the method of using the integrated management system according to the present invention comprises a first step in which the management server 40 receives the first time only storage acceptance agreement from the customer 10, and the use organization 30 A second step of transmitting the member information of the customer 10 who has agreed to the storage and the storing information of the expenses to the management server 40; and the customer 10 stores the expenses from the management server 40 to the mobile phone. After receiving the confirmation guide, the customer 10 selects an approval for storing the fee to the mobile phone, and when the approval for storing the fee is received from the mobile phone of the customer 10, the user organization 30 determines the The fourth step of requesting the management server 40 to receive the cost, and in response to the request for storage of the user institution 30, the management server 40 is the payment account of the customer 10 and the storage account 70 ) Is the same financial institution, from the payment account of the customer (10) A fifth step of instructing the storage bank 70 to store costs in the house bank 50 so that the server of the house bank 50 stores the money into the storage account 70; A sixth step of notifying the management server 40 that the server of the main bank 50 or the server of the handling bank 60 informs the management server 40 that the expense has been stored in the storage account 70; Is characterized in that it comprises a seventh step of notifying the customer 10 or the user organization 30 to confirm the received content.

In addition, in the method of using the integrated management system according to the present invention, the fifth step is, by the request for storage of the user institution 30, the management server 40 is the payment account of the customer 10 and the storage If the account 70 is not the same financial institution, it is connected to the server of the handling bank 60 and instructs the money transfer to the storage account 70 opened by the main bank 50 to handle the handling bank. The server of 60 further comprises the step of remitting the expenses to the storage account (70).

In addition, the method of using the integrated management system according to the present invention according to the present invention is characterized in that the acceptance agreement of the first step is made through an authorized certificate.

In addition, the method of using the integrated management system according to the present invention is characterized in that the use organization 30 is a customer company.

In addition, the method of using the integrated management system according to the present invention, the use organization 30 is characterized in that the school or travel agency.

In addition, the method of using the integrated management system according to the present invention, the server of the handling bank 60 of the customer 10 is characterized in that the transfer of the costs using the mobile giro to the storage account (70).

In addition, in the method of using the integrated management system according to the present invention, the server of the handling bank 60 of the customer 10 is automatically transferred to the storage account 70, the firm banking, the virtual account, the mobile branch It is characterized by remittance of costs using either.

In addition, in the method of using the integrated management system according to the present invention, when the mobile branch is sent to the customer 10 by the management server 40 and the transfer of the cost is made, the receipt is sent to the electronic journal by the electronic document storage ( 90) is characterized in that the storage.

In addition, the method of using the integrated management system according to the present invention is characterized in that the costs are stored in the manner of saving, in order to prepare a travel cost.

In addition, the method of using the integrated management system according to the present invention is characterized in that the storage account 70 is a collection of accountant accounts 80 generated by bookkeeper-specific bookkeeping names.

In addition, in order to achieve the above object, the recording medium of the integrated billing service according to the present invention includes a means for the server of the management server 40 to receive an acknowledgment of the first time only cost from the customer 10, and the use organization. Means for transmitting, to the management server 40, the member information of the customer 10 who has agreed to the storage, and the storage information of the cost, and the customer 10 guides the receipt of the cost from the management server 40. Is received, and the customer 10 has a means for selecting the acceptance of the expense, and when the acceptance of the receipt of the expense is received from the customer 10, the user institution 30 sends the management server 40 of the expense. The management server 40, by means of requesting the storage and the storage request of the user institution 30, the management server 40, if the payment account of the customer 10 and the storage account 70 is the same financial institution, the customer ( Storage system opened in the main bank 50 from the payment account of 10) Means for storing costs to the left 70 so that the server of the house bank 50 receives the money into the storage account 70, the server of the house bank 50 or the handling bank 60; Means for notifying the management server 40 of acknowledgment that the server has stored the expenses in the storage account 70, and the management server 40 informs the customer 10 or the user institution 30 of the notification. ) Means for notifying so that it can be confirmed.

According to the present invention, by providing a variety of payment services integrated, there is an effect that the customer is provided with a consistent service.

In addition, according to the present invention, by providing a simple and convenient service to the user using the service, there is an effect that can simplify the work on the user side.

In addition, according to the present invention, by providing an integrated payment method that was made individually, there is an effect that can provide a more differentiated and convenient service.

1 is a view showing a basic configuration for a service method for storing school expenses using the integrated billing service according to a first embodiment of the present invention.
2 is a diagram illustrating a payment procedure of an integrated billing service method according to a first embodiment of the present invention.
3 is a view showing the flow of funds of the school expenses using the integrated billing service according to a first embodiment of the present invention.
4 is a diagram illustrating a customer notification service in an integrated billing service which is a service method of storing school expenses by using the integrated billing service according to the first embodiment of the present invention.
5 is a diagram showing a basic configuration for a service method for storing travel savings using the integrated billing service according to the second embodiment of the present invention.
6 is a diagram showing a detailed model of the integrated billing service payment method according to a second embodiment of the present invention.
7 is a diagram showing the flow of funds in travel savings using the consolidated billing service according to the second embodiment of the present invention.
FIG. 8 is a diagram illustrating a customer notification service in an integrated billing service which is a service method of storing travel savings using an integrated billing service according to a second embodiment of the present invention.
9 (a) is a procedure for establishing an offline service in a service method for storing travel savings using an integrated billing service according to a second embodiment of the present invention, and FIG. 9 (b) is a second embodiment of the present invention. A diagram illustrating an online service opening procedure in a service method for storing travel savings using an integrated billing service according to FIG.
FIG. 10 is a diagram for a periodic payment procedure in a service method of a service for storing travel savings using an integrated billing service according to a second embodiment of the present invention. FIG.
FIG. 11 (a) is a diagram illustrating a procedure for canceling an offline service in a service method of storing a travel deposit using an integrated billing service according to a second embodiment of the present invention, and FIG. 2 is a diagram illustrating a process of canceling an online service in a service method of storing a travel fund using an integrated billing service according to a second embodiment of the present invention.
12 (a) is a diagram illustrating a procedure for canceling expiration of an offline service in a service method for storing travel savings using an integrated billing service according to a second embodiment of the present invention, and FIG. 12 (b) illustrates the present invention. 2 is a diagram illustrating a procedure for canceling expiration of an online service in a service method for storing a travel fund using an integrated billing service according to a second embodiment of the present invention.
13 is a view showing a basic configuration of a method for paying a product cost through a mobile Jiro service according to a third embodiment of the present invention.

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

[First Embodiment]

The first embodiment according to the present invention is a new concept school tuition management service combined with a virtual account and a service for storing the school tuition in the customer's account on a predetermined date.

1 is a diagram showing a basic configuration for a service method for storing school expenses by using the integrated billing service according to the first embodiment of the present invention.

As shown in FIG. 1, a service method for storing school expenses using the integrated billing service according to the present invention includes a customer 10, an academy 30, a management server 40, a main bank 50, , The handling bank 60, the school storage account 70, and the official electronic document storage (90).

First, each component that makes a service related to the present invention will be described briefly.

Here, the customer 10 refers to a consumer who is provided with various lectures or services by the school 30, signs the service provided by the present invention once the first agreement, and receives a monthly reception fee upon receipt of the school tuition fee SMS / MMS A payer who pays the course fee after verifying his / her identity through / LMS.

The school 30 refers to a general school that plays a role of customer management, billing management, notification management, receipt management, statistics and reporting management, etc., and refers to a plurality of groups of affiliated schools.

The management server 40 is an operating entity of the business model as in the present invention. In this embodiment, the Nonghyup Information System Co., Ltd. performs automatic transfer of the school 30 and the handling bank 60 to be described later. It is connected to a relay system that transfers transfer request files to a server, and performs various data passes, generation, and storage retrieval. In addition, when paying the service fee in the school 30, serves to provide a variety of services, and serves to transfer the transfer application file of the school tuition to the handling bank (60). Therefore, the management server 40 requests a transfer request from the server of the handling bank 60 designated by the customer 10, or the customer 10 manually writes the institute through a virtual account opened by the handling bank 60. Tuition fee can be deposited into the school storage account (70). In addition, it serves to transmit the reception guide SMS / MMS / LMS through the mobile phone of the customer 10, and if the customer 10 receives the confirmation (Confirm) with the mobile phone, the service that the school tuition is stored It is the subject that provides.

The main bank 50 is an attendant who performs the role of a main bank for direct financial transactions with the school 30. In this embodiment, the NACF is a cooperative company, and the customer 10 receives the integrated billing service to the school 30. When the tuition fee is paid through the school, the school 30 deposits the fee into the school storage account 70 opened by the main bank 50.

The handling bank 60 refers to all financial institutions on the market except for the main bank 50 (for example, Woori Bank, Hana Bank, Kookmin Bank, Shinhan Bank, etc.), and as the main bank of the customer 10, 10) If the allowance of the school tuition fee through identity verification through the mobile phone, the school tuition fee is stored in the cram school storage account 70 through CMS, firm banking, mobile giro, or the school through the virtual account of the customer (10) The school tuition fee is deposited manually into the storage account 70.

The school storage account 70 is an account opened by the main bank 50, the school 30 using the school storage account 70 of the main bank 50, the school tuition fee of the customer 10 is directly in the school storage account ( 70) will be deposited. In addition, the school tuition fee of the customer 10 who deals with the handling bank 60, as described above, the school tuition fee is stored in the school storage account 70 by using CMS, firm banking, mobile giro, or the like. Through the virtual account opened by 60), the school tuition fee is manually deposited into the school storage account 70.

Authorized electronic archives 90 serves to store the receipt to the mobile paper generated through the storage process, if the storage is made by the mobile Jiro of the integrated billing service as described above.

Authorized electronic storage 90 when the mobile is sent to the customer 10 by the management server 40 is stored in the mobile, serves to store the receipt to the mobile is stored by the mobile jiro.

Next, Figure 2 is a diagram showing a payment procedure of the integrated billing service method according to a first embodiment of the present invention.

2, the payment procedure of the mobile branch payment service method according to the first embodiment of the present invention is performed by the customer 10, the school 30, and the management server 40.

First, the customer 10 agrees to the first one storage acceptance of the school tuition fee. At this time, the acceptance agreement is made through a handwritten signature or an authorized certificate of the customer 10. Thereafter, the customer 10 receives the receipt confirmation guide (a) such as SMS / MMS / LMS transmitted by the management server 40 at the time of payment of the school tuition fee and confirms the receipt (b) by the mobile phone. . The school 30 makes a storage request (c) to the management server 40 based on the storage confirmation information by the customer (10). At this time, the school 30 makes a storage request to the management server 40 based on the automatically received storage confirmation information. The management server 40, at the request of the cram school 30, is based on the received storage information requested and the deposit processing (d). Finally, the school 30 or the customer 10 confirms the storage result through the web site provided by the management server 40.

Next, Figure 3 is a diagram showing the flow of funds of the school expenses using the integrated billing service according to a first embodiment of the present invention.

Referring to FIG. 3, the management server 40 makes a request for a storage agreement and a storage confirmation request (a) to the customer 10, and the customer 10 receives a storage agreement and a storage confirmation (b) to the management server 40. If so, the management server 40 requests (c) the storage of the school tuition fee to the relay system of the management server 40. In the relay system, when requesting the handling bank 60 to receive the school tuition fee (d), the main bank 50 requests the handling bank 60 to deposit the school tuition fee (e), and after depositing the school tuition fee, The main bank 50 notifies the relay system that the deposit of the school tuition has been completed (f), and the relay system notifies the management server 40 of the deposit result of the school tuition (g). Accordingly, the management server 40 notifies the school 30 of the deposit result of the school tuition fee (h).

As described above, the flow of funds in the integrated billing service method according to the first embodiment of the present invention is made around the account of the school 30. Here, the school 30 is the payment of the school tuition fee to the mother account of the school 30 will be deposited, the payment request and the deposit result can be confirmed.

In addition, when the school tuition fee is not received due to insufficient balance of the customer 10, the scheduled date of re-receipt will be notified by SMS / MMS / LMS, and attempted to re-receive the account storage service. Possible).

Next, the roles of the operating agents of the service method of automatically storing the school expenses using the mobile Jiro according to the first embodiment of the present invention.

First, the storage consent processing task is performed by the school 30. Here, the storage agreement processing task refers to a procedure in which the customer 10 agrees to the automatic storage of the school tuition fee only once in advance for the storage confirmation type account payment service to the customer 10. The customer 10 must fill in the agreement with the bank name, account number, social security number, etc., which are required for the first time for the automatic storage. At this time, the method for the customer 10 to write in the consent form, the customer 10 visits the school 30 directly to fill out and sign the content of the agreement, or the customer 10 by using an official certificate on the acceptance agreement website You can agree to the automatic storage of school tuition.

Next, the storage confirmation processing task is performed by the school 30. Here, the storage confirmation processing task refers to a procedure of processing to receive the storage approval from the customer 10 who has agreed to accept the storage on the payment day of the predetermined school tuition fee every month. The management server 40 delivers the storage guidance SMS / MMS / LMS to the customer 10 before storing, and the customer 10 checks the storing details and selects the storing agreement.

Next, the storage request task is made by the school 30. The school 30 writes the billing details of the school tuition fee to be delivered to the management server 40 for the storage confirmation customer on the web site provided by the management server 40. The school 30, which is a collection of affiliated schools, collects and inputs data, and automatically receives and processes a batch through a batch operation based on the input information. At this time, the school 30 connects to the storage request web site provided by the management server 40, finally confirms the billing history of the storage confirmation customer 10, and then requests the billing history storing process.

Finally, the deposit result confirmation work is done by the school 30. Herein, the deposit result confirming task refers to a task of confirming the completed and unstored history and taking a follow-up action such as a request for reclaiming the unstored history. The school 30 checks the result of the storage process, the request for retransmission of the storage transfer (by the guidance of SMS / MMS / LMS, etc.) for the unreceived history, and when the deposit is completed, the deposit completion history report is reported.

On the other hand, the management of the service method of the service method for automatically storing the school expenses using the mobile Jiro according to the first embodiment of the present invention is provided by the management server 40 for each subject.

First, the customer-only web service provides services such as a customer's acceptance and termination request, payment / payment details inquiry, receipt management, and bulletin board.

In addition, the school-only web service provides services such as customer management, billing management, notice management, receipt management, statistics & reporting, and environment setting of the school 30.

Next, the corporate-only web service will provide services such as academy management, acceptance processing (agreement, acceptance), academy administrator management, statistics & reporting, etc. of a corporation.

Next, holding company-specific web service will provide services such as holding company's corporate management, holding company operator registration management, and statistics & reporting.

Next, FIG. 4 is a diagram illustrating a customer notification service in an integrated billing service which is a service method of storing school expenses by using the integrated billing service according to the first embodiment of the present invention.

As shown in FIG. 4, the management server 40 delivers the billing details of the school tuition fee to the customer 10 by SMS / MMS / LMS and the like, and receives the confirmation of the customer 10.

Referring to the screen in the mobile giro, the customer details (1) will display the billing details by school / payer, in the customer confirmation area (2), when the customer 10 selects ①, the transfer of funds is processed. It is going to proceed.

On the other hand, the customer 10 will be notified via SMS / MMS / LMS, and the smartphone will be separately mobile web processing.

By the above-described configuration, according to the first embodiment of the present invention, if the customer 10 only has his / her mobile phone, the school tuition fee can be paid at any time (no need to visit the school), and the school tuition fee is withdrawn from his account only after confirmation. Receive service.

In addition, the school 30 can store the school fees at a lower fee than when paying the course fees with a credit card, and can be provided with a payment environment of the school fees optimized for the school system environment and the flow of funds. .

The first embodiment according to the present invention has been described above.

[Second Embodiment]

The second embodiment according to the present invention is a service for managing the funds of various meetings for the purpose of travel through account management for each customer after receiving the deposit in the account of the customer on a predetermined date and depositing the deposit in the travel agency's account .

5 is a view showing a basic configuration for a service method for storing a travel deposit by using the integrated billing service according to a second embodiment of the present invention.

As shown in FIG. 5, a service method for automatically storing travel savings using a mobile giro according to the present invention includes a customer 10, a travel agency 30, a management server 40, and a main bank 50. ), A handling bank 60, a travel agency storing account 70, a cashier account 80, and a certified electronic document storage 90.

Here, the customer 10 refers to a consumer who is registered with a member recruited from the travel agency 30 and receives various services from the travel agency 30, and in order to receive the services provided by the present invention, the first one-time service agreement is signed. And, withdrawal of travel deposits every month through the mobile Jiro, the identity of the payer is withdrawn from my account by verifying the identity. In addition, the travel agency 30 may recruit members through an agency which is a point of recruiting members for subscribing to a travel product through an agency.

The travel agency 30 substantially provides a travel product to the customer 10, and serves to attract and manage customers and to use the services provided by the management server 40, and to provide operating costs to the management server 40. Do it.

The management server 40 is an operating entity of the business model as in the present invention. In this embodiment, the Nonghyup Information System Co., Ltd. is an automatic transfer performing server of the travel agency 30 applying for the service and the handling bank 60 described later. It is connected to and performs various data pass, generation, storage retrieval and so on. In addition, when paying the service fee from the travel agency 30, it serves to provide a variety of services, and transmits the transfer application file of the travel deposit to the handling bank (60). For this reason, the management server 40 requests a transfer request from the server of the handling bank 60 designated by the customer 10, or the customer 10 travels by hand through a virtual account opened by these handling banks 60. The deposit can be deposited into the travel agency storage account 70. In addition, it serves to transmit the storage guidance SMS / MMS / LMS through the mobile phone of the customer 10, and if the customer 10 receives the identity verification by the mobile phone, the subject to provide a service that the travel deposit is stored to be.

The main bank 50 is an attendant who performs the role of a main bank that performs direct financial transactions with the travel agency 30. In this embodiment, the NACF is a cooperative company, and the customer 10 is integrated billing service to the travel agency 30. When the payment is made through the travel deposit, the travel agency 30 deposits the travel deposit into the travel agency storage account 70 opened by the main bank 50.

The handling bank 60 refers to all banks on the market except for the main bank 50 (for example, Woori Bank, Hana Bank, Kookmin Bank, Shinhan Bank, etc.), and as the main bank of the customer 10, the customer (10). ) Allows the storage of the school tuition fee through identity verification by mobile phone, the handling bank 60 deposits the travel funds to the travel agency storage account 70 through the CMS, firm banking, mobile Jiro, or the like of the customer 10 Travel deposits are handwritten to the travel agency storage account 70 through the virtual account.

The travel agency storage account 70 is an account opened by the main bank 50, and the travel agency 30 using the travel agency storage account 70 of the main bank 50 has a travel account of the customer 10 directly stored in the travel agency storage account ( 70) will be deposited. In addition, as described above, the travel savings of the customer 10 who deals with the handling bank 60 may be stored in the travel agency storage account 70 by using CMS, firm banking, mobile jiro, or the like. Through the virtual account opened at 60), the deposit of travel is handwritten to the travel agency storage account 70.

The accountant account 80 is an account generated by bookkeepers of the travel deposits deposited in the travel agency storage account 70 for each accountant, and each bookkeeper name accountant account is provided to the travel agency 30 as a savings type travel product.

Next, Figure 6 is a view showing a detailed model of the integrated billing service payment method according to a second embodiment of the present invention.

As shown in FIG. 6, the service model of the mobile branch payment service method according to the second embodiment of the present invention includes a customer 10, a travel agency 30, a management server 40, and a main bank 50. Is done.

The customer 10 registers as a cyber meeting account book to the travel agency 30 (a), and the travel agency 30 provides the customer 10 with customized travel products and various incentives derived from the product (b). Done. In addition, the travel agency 30 pays a service operation fee to the management server 40 (c), and the management server 40 provides the travel agency 30 with the construction and operation of the service of the present business model (d). In addition, the main bank 50 provides the management server 40, such as pumping banking infrastructure or give a virtual account (e), when the travel agency 30 opens the account in the main bank (50), The main bank 50 pays interest (g) to the travel agency 30.

Next, Figure 7 is a view showing the flow of funds in the travel savings using the integrated billing service according to a second embodiment of the present invention.

Referring to FIG. 7, first, the customer 10 joins a travel member through a cyber meeting passbook to a travel agency 30 and directly signs or authenticates the customer 10 as described in Embodiment 1 according to the present invention. By a certificate, it applies for the storage agreement of the first one time savings deposit (a). Then, the travel agency 30 applies (b) to the management server 40 to register the cyber meeting account book according to the travel deposit, and the storage transaction (c) of the travel deposit. In addition, the management server 40 transmits the mobile phone storage agreement guidance (d) of the travel savings to the customer 10, and requests for storing the travel savings to the relay system of the management server 40 and the main bank 50 (e). If so, the relay system makes a request (f) for the storage of travel deposits to the handling bank 60. Then, each handling bank 60 completes the deposit of the travel deposit to the relay system (g), and the relay system notifies the main bank 50 of the deposit result of the travel deposit (h). Finally, the main bank 50 and the relay system notifies (i) the result of depositing the travel deposit to the management server 40.

As described above, according to step (a), after the customer 10 joins the cyber meeting account according to the travel deposit, the application for storing consent for storing the first one-time travel deposit (direct signature or official certificate of the customer 10). Etc.) According to step (b), the recruited cyber meeting account book is registered and managed in the management server 40. According to the step (c), when the storage day for each meeting, the storage transaction of the travel deposit is made through the management server 40. According to step (d), receipt confirmation SMS / MMS / LMS and the like are transmitted to the customer 10 of each meeting on the day of storing through a mobile phone, and the customer 10 agrees to accept the storage of travel. According to the step (e), only the customer 10 who has agreed to receive the travel deposit requests the storage system to receive the request. According to the steps (f) to (h), the relay system requests the customer bank 10 to receive the travel deposit for each customer 10, and finally the customer 10 to the travel agency storage account 70 which is the mother account of the meeting. The amount of money stored in the trip is completed. Therefore, according to step (i), the travel agency 30 and the customer 10 may inquire the details of the accumulated travel accumulation through the web site provided by the management server 40.

Next, FIG. 8 is a diagram illustrating a customer notification service in an integrated billing service which is a service method of storing a travel deposit by using an integrated billing service according to a second embodiment of the present invention.

As shown in FIG. 8, the management server 40 delivers the billing details of the school tuition fee by SMS / MMS / LMS to the customer 10 to receive confirmation from the customer 10.

Referring to the screen in the mobile giro, the customer details (1) will display the corresponding billing details by travel agency / payer, and in the customer confirmation area (2), if the customer 10 selects ①, the transfer of funds is processed. It is going to proceed.

On the other hand, SKT, KT, LGT customers will be notified to the customer 10 via SMS / MMS / LMS, smart phones will be separately mobile web processing.

9 (a) is a procedure for establishing an offline service in a service method for storing travel savings using an integrated billing service according to a second embodiment of the present invention, and FIG. 9 (b) is a second embodiment of the present invention. FIG. 1 is a diagram illustrating an online service opening procedure in a service method for storing a travel fund using an integrated billing service according to FIG.

Here, the case where the customer 10 is recruited by the travel agency 30 via the agency 20 is demonstrated.

First, referring to FIG. 9 (a), when the customer 10 submits a travel meeting saving service application form and a travel storage receipt agreement application form to the agency 20 (a), the agency 20 sends a virtual account to the customer. Guide (b), and apply for travel meeting services to the travel agency 30 (c). Then, the travel agency 30 opens a new account in the main bank 50 (d), and the customer 10 makes an initial deposit (e) to the virtual account of the main bank (50).

Next, referring to FIG. 9 (b), the customer 10 applies the travel meeting deposit service and the travel deposit storage agreement to the online site of the agency 20 by the official certificate (a). Then, the agency 20 guides the virtual account to the customer 10 (b), and opens a new account in the main bank (c). Therefore, the customer 10 pays the initial deposit (d) to the virtual bank account to the main bank (50).

Next, FIG. 10 is a diagram illustrating a regular payment procedure in a service method of a service for storing travel savings using an integrated billing service according to a second exemplary embodiment of the present invention.

Referring to FIG. 10, when the travel agency 30 transmits (a) a deposit receipt guide through a mobile phone to the customer 10, the customer 10 pays the deposit to the travel agency 30 (b) and the travel agency 30. ) Will deposit (c) the funds into the main bank (50).

That is, the customer 10 pays the travel deposit through the direct debit service on a fixed date every month. In this case, the customer 10 using the handling bank 60 other than the main bank 50 pays the travel deposit by CMS, firm banking, mobile giro, etc., and the customer 10 of the main bank 50 uses the main transaction. The travel deposit is paid to the travel agency storage account of the bank 50.

On the other hand, the customer 10 who refuses automatic transfer, or the customer 10 who cannot pay due to insufficient balance, or the like, pays the savings by the virtual account using ATM, Internet banking, a main bank window, or the like.

Next, (a) of FIG. 11 is a diagram illustrating a procedure for canceling an offline service in a service method for automatically storing travel savings using a mobile giro according to the second embodiment of the present invention, and FIG. 11 (b). FIG. 7 is a diagram illustrating a process of canceling an online service in a service method of automatically storing a travel fund using a mobile giro according to a second embodiment of the present invention.

Referring to (a) of FIG. 11, after the cancellation requester of the tour meeting customer 10 receives the notice (a) about the cancellation from the agency 20, the request for canceling the travel meeting saving service to the agency 20 and the trip Submit a request for termination of savings agreement (b). Then, the agency 20 transmits the cancellation request target person (c) to the travel agency 30, and the travel agency 30 gives a cancellation detail guide (d) to the cancellation requester, and approves the termination from the customer 10 requesting the termination. (e) When the travel agency 30, which has been approved for termination, makes a termination request (f) to the main bank 50, the main bank 50 deposits funds (g) for the termination to the travel agency 30, and the travel agency 30 ) Will be paid (h) the amount that was paid to the customer (10) requesting the termination.

Referring to (b) of FIG. 11, when the cancellation requester of the travel meeting customer 10 requests the cancellation to the online site provided by the agency 20 (a), the agency 20 provides the cancellation requestor with guidance to the cancellation requestor. Provide (b). The customer 10 requesting the termination is given a termination approval (c) to the agency 20, and the termination bank (d) is requested (d). Therefore, the main bank 50 is paid (e) the amount that was paid to the customer 10 requesting the termination. In addition, the cancellation requester of the customer 10 confirms the cancellation content (f) through the web site of the travel agency 30.

Next, FIG. 12 (a) is a diagram illustrating a procedure for canceling expiration of an offline service in a service method for automatically storing travel savings using a mobile giro according to the second embodiment of the present invention, and FIG. Is a diagram illustrating a procedure for canceling expiration of an online service in a service method of automatically storing a travel deposit using a mobile giro according to a second embodiment of the present invention.

Referring to FIG. 12 (a), the agency 20 gives the customer 10 the expiration guidance (a). The customer 10 submits a travel deposit service expiration request and a travel deposit storage agreement cancellation request to the agency 20 (b). When the agent 20 transmits the target customer 10 to the travel agency 30 (c), the travel agency 30 requests the cancellation of the travel storage product to the main bank 50, and the main bank 50. (E) deposits a due date deposit in the travel agency 30. Then, the travel agency 30 pays the maturity payment amount to the customer 10 (f).

Referring to FIG. 12B, the travel agency 30 gives the customer 10 an expiration guide a. The customer 10 purchases the travel product while submitting a travel saving service expiration request and a travel storage receipt agreement cancellation request to the travel agency 30. When the travel agency 30 makes a cancellation request (c) due to the main bank 50, the main bank 50 deposits the due payment amount to the travel agency 10 (d). The travel agency 30 pays the amount paid due to the customer 10.

With the above-described configuration, the second embodiment according to the present invention can automatically receive travel savings using a direct debit service from a customer account using a plurality of financial institutions.

In addition, the customer using the main bank account can store the savings by using a firm banking service.

In addition, when the payment date of the monthly travel deposit arrives, the payment details may be automatically informed to the customer through SMS / MMS / LMS, and the travel deposit may be automatically stored in the storage method.

In addition, when not received, it is possible to provide a storage encouragement service through the virtual account number guidance.

[Third Embodiment]

The third embodiment according to the present invention transmits the cost of the goods of the user institution in the account of the customer 10 in the account of the customer on a predetermined date, by transmitting the electronic paper through the mobile paper, the electronic paper to send the paper generation, Eliminated, the Jiro caused by mobile giro is a service that is stored in the official electronic archives.

FIG. 13 is a diagram illustrating a basic configuration of a method for paying a product cost through a mobile Jiro service according to a third embodiment of the present invention.

As shown in Figure 13, the method of paying the cost of goods through the mobile Jiro according to the present invention is the customer 10, the user institution 30, the management server 40, the main bank 50 and And a handling bank 60, a user institution storing account 70, and a certified electronic document storage 90.

Here, the customer 10 refers to a customer who is registered as a member of the customer company 30 and is provided with various services by the management server 40 to be described later. In order to receive the above-mentioned various services, the customer 10 first signs a service agreement. In addition, the monthly payment of the expenses through the mobile Jiro, the identity of the payer is withdrawn from my account.

The client company 30 substantially uses the services provided by the management server 40 and attracts and manages the customer as a main agent of the method of paying the cost of goods through the mobile Jiro service to the customer 10. 40) to provide operating costs.

The management server 40 is an operating entity of the business model as the present invention, and in this embodiment, the Nonghyup Information System Co., Ltd. is performed by the mobile branch of the customer company 30 and the handling bank 60 to be described later. It connects to the server and performs various data paths, creation and storage retrieval. In addition, when paying the service fee from the customer company 30, it serves to provide a variety of services, and serves to transmit the mobile branch related to the cost to the handling bank (60). For this reason, the management server 40 may transmit the mobile giro to the handling bank 60 designated by the customer 10, and allow the customer company account to deposit the cost of the goods through the mobile giro service. In addition, it serves to transmit the reception guide SMS / MMS / LMS through the mobile phone of the customer 10, and when the customer 10 receives this confirmation (Confirm) with the mobile phone, the product of the goods through the mobile Jiro service It is the entity that provides the service where the costs are stored.

The main bank 50 is an attendant who performs the role of a main bank for direct financial transactions with the client company 30. In this embodiment, the NACF is a cooperative company. When paying the cost of the goods through, the customer company 30 will deposit the cost of the goods through the mobile branch service to the customer storage account 70 opened by the main bank 50.

The handling bank 60 refers to all financial institutions on the market except for the main bank 50 (for example, Woori Bank, Hana Bank, Kookmin Bank, Shinhan Bank, etc.), and as the main bank of the customer 10, 10) If the mobile phone allows the receipt of goods through the mobile Jiro service through identity verification through the mobile phone, the deposit processing to the storage account 70 of the customer company 30 through the mobile Jiro.

The customer storage account 70 is an account opened by the main bank 50, the customer 30 using the customer storage account 70 of the main bank 50 is the cost of goods through the mobile Jiro service of the customer 10 This is directly deposited to the customer storage account 70. In addition, the cost of the goods through the mobile Jiro service of the customer 10 who deals with the handling bank 60 is deposited into the customer storage account 70 through the mobile Jiro as described above.

As described above, the method for storing the cost of goods through various mobile Jiro services using the mobile Jiro according to the third embodiment of the present invention is performed by using the mobile jiro according to the first and second embodiments of the present invention described above. It is similar to the service method of storing costs.

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary and will be understood by those skilled in the art that various modifications and equivalent other embodiments are possible. will be. Therefore, the true technical protection scope of the present invention will be defined by the claims.

10: customer
20: Agent (2nd Example)
30: corporation (1st embodiment), travel agency (2nd embodiment), customer company (3rd embodiment)
40: management server
50: house bank
60: handling bank
70: storage account
80: accountant account
90: Certified electronic document archive

Claims

A first step in which the management server 40 receives a first time storage acceptance agreement from the customer 10;
A second step of the user organization 30 transmitting the member information of the customer 10 and the storing information of the expenses to the management server 40,
A third step of receiving the confirmation of receipt of the expense from the management server 40 to the mobile phone, and the customer 10 selecting the acceptance of the receipt of the money into the mobile phone;
When receiving approval of the receipt of the cost from the mobile phone of the customer 10, the user institution 30 requests the management server 40 to receive the receipt of the expense, and
In response to a request for receipt of the use institution 30, the management server 40 from the payment account of the customer 10 when the payment account of the customer 10 and the storage account 70 are the same financial institution. A fifth step of instructing the storage bank 70 to store costs in the house bank 50 so that the server of the house bank 50 stores the money into the storage account 70;
A sixth step of notifying the management server 40 of confirmation that the server of the main bank 50 or the server of the handling bank 60 has stored the expenses in the storage account 70;
And the seventh step of notifying the management server (40) so that the customer (10) or the use organization (30) can confirm the received contents.

The method of claim 1,
The fifth step,
When the payment request of the user institution 30, the management server 40 is a financial institution that the payment account of the customer 10 and the storage account 70 is not the same, Connecting to the server, instructing the remittance of the expenses to the storage account 70 opened by the main bank 50, and sending the expenses to the storage account 70 by the server of the handling bank 60. Method of using an integrated management system comprising a.

The method of claim 1,
The method of using the integrated management system, characterized in that the acceptance agreement of the first step is made through a public certificate.

The method according to any one of claims 1 to 3,
The use organization 30 is a method of using an integrated management system, characterized in that the customer.

The method according to any one of claims 1 to 3,
The use organization (30) is a method of using an integrated management system, characterized in that the school or travel agency.

The method of claim 4, wherein
The server of the handling bank (60) of the customer (10) using the integrated management system, characterized in that for transferring the costs to the storage account (70) using a mobile giro.

The method of claim 5, wherein
The server of the customer bank 60 of the customer 10 is integrated, characterized in that the transfer of money using any one of automatic transfer, firm banking, virtual account, mobile branch to the storage account (70) How to use the management system.

The method according to claim 6,
When the mobile branch is sent to the customer 10 by the management server 40 and the remittance of the cost is made, the use of the integrated management system, characterized in that the receipt is stored in the electronic document storage in the electronic magazine 90 Way.

The method of claim 5, wherein
The costs are stored in a way of saving, in order to prepare the travel costs, the method of using the integrated management system.

The method of claim 9,
The storage account (70) is a method of using an integrated management system, characterized in that the collection of accountant accounts (80) generated by the account book for each accountant.

Means for the server of the management server 40 to receive a first time acceptance fee from the customer 10 only;
Means for transmitting the member information of the customer 10 and the storing information of the expenses to the management server 40 by the use organization 30;
The customer 10 is received from the management server 40 receives the confirmation of receipt of the cost, the customer 10 means for selecting the acceptance of the receipt of the cost,
When the acceptance of the receipt of the cost is received from the customer 10, the user organization 30 means for requesting the receipt of the expense to the management server 40, and
In response to a request for receipt of the use institution 30, the management server 40, when the payment account of the customer 10 and the storage account 70 is the same financial institution, from the payment account of the customer 10 Means for storing costs in the storage account (70) opened by the main bank (50), so that the server of the main bank (50) stores the costs in the storage account (70);
Means for notifying the management server 40 of confirmation that the server of the main bank 50 or the server of the handling bank 60 has stored the expenses in the storage account 70;
The management server (40) is a recording medium of a consolidated billing service, characterized in that configured to notify the customer (10) or the user organization (30) to confirm the content received.