KR20120132729A - Method of remittance proxy service using CMS and the remittance proxy system - Google Patents

Method of remittance proxy service using CMS and the remittance proxy system Download PDF

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KR20120132729A
KR20120132729A KR1020110051034A KR20110051034A KR20120132729A KR 20120132729 A KR20120132729 A KR 20120132729A KR 1020110051034 A KR1020110051034 A KR 1020110051034A KR 20110051034 A KR20110051034 A KR 20110051034A KR 20120132729 A KR20120132729 A KR 20120132729A
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South Korea
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remittance
account
remitter
cms
collector
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KR1020110051034A
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Korean (ko)
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김상수
김현철
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노틸러스효성 주식회사
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Priority to KR1020110051034A priority Critical patent/KR20120132729A/en
Publication of KR20120132729A publication Critical patent/KR20120132729A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A money transfer system using a CMS(Cash Management Service) and a method thereof are provided to quickly offer an agency system for clients where a client does not need to input financial information if the client is a member of the service. CONSTITUTION: A web service module(210) provides a user interface through a web browser form. A database(240) stores information and transaction details inputted through a remitter terminal(110) and a recipient terminal(120). A communication module(220) provides a network interface in charge of wired/wireless communication. A central processor(230) confirms the identity of a recipient. The central processor transfers money to an account of the recipient from an account from the remitter. [Reference numerals] (110) Remitter terminal; (120) Recipient terminal; (200) Remittance agent system; (210) Web service module; (220) Communication module; (230) Central processing unit; (240) Database; (300) Bank server; (AA) Wire/wireless internet network

Description

Remittance proxy service method and remittance proxy system using CMS function {Method of remittance proxy service using CMS and the remittance proxy system}

The present invention relates to a transfer agent service method and a transfer agent system using a CMS function, and more particularly, a mobile communication number and name and amount of money from a sender through a transfer agent system authorized by a CMS (Cash Management Service) authority. Remittance service using CMS function to quickly and quickly perform the remittance agent's desired remittance service by establishing a system to receive remittance, and through the authorized certification process for the CMS withdrawal account of the registered remitter It relates to a method and a remittance agency system.

In general, in order to transfer a certain amount of money to another person, money must be transferred from one's bank account to the other's bank account, which can be transferred in various forms such as telebanking, internet banking, and the user using a bank clerk or an ATM at a bank. Is being done.

However, all of the above methods are possible only in a state where the other party's account number is known. Accordingly, there is an inconvenience that the money transfer service cannot be performed to the other party who does not know the account number. In order to solve this problem, a remittance method capable of performing a remittance service without a bank account has been developed and proposed. These methods mainly use the other party's mobile communication number, and transfers the specified party to the mobile communication number instead of the bank account.

Conventional technologies devised using such a technique include Korea Patent Publication No. 885,980 and the like. Korean Registered Patent Publication No. 885,980 receives a remittance request from a connected remitter with remittance information including the name, mobile communication number, and remittance amount of the remitter, and transfers the remittance amount from the remitter. Open and deposit the transfer amount transferred from the sender to the virtual account of the collector and notify the depositor of the transfer amount. Subsequently, the connected collector performs the recipient's authentication through his / her identity verification using the name and mobile communication number of the collector, and transfers the transfer amount from the collector's virtual account to the collector's bank account when the recipient receives approval for the transfer. This allows the remittance service to be performed even if only the other party's mobile communication number and name are known.

However, in the above system, after the remitter enters the remittance information and performs the remittance request, there is a hassle that the remitter must directly access the bank server of his withdrawal account and perform the transfer of the remittance. In accordance with the name of the collector and the mobile number using the identification of the recipient through the identity verification, the recipients who do not have a mobile communication terminal in their own name was inconvenient to use the service.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the prior art. That is, an object of the present invention, receiving the recipient's mobile communication number and name and remittance amount from the remitter through the transfer agent system authorized by the CMS (Cash Management Service), authorized certification for the CMS withdrawal account of the registered remitter It is to provide a remittance agent service method and remittance agent system using CMS function that can quickly and quickly perform the remittance agent services desired by the remitter by establishing a system to transfer the agent through the process.

As a technical idea for achieving the above object, the present invention, the step of checking whether the member registration for the remitter connected to the transfer agent system, receiving the recipient's mobile communication number and name and remittance from the remitter, remittance Performing the authorized certification of the CMS withdrawal account of the party, transferring the transfer amount from the sender's CMS withdrawal account to the representative account of the system, storing the remittance agency service transaction, and remitting the transfer service to the receiver's mobile terminal; Notifying the receipt, Receiving the recipient information including the account number of the collection account to transfer the money to the recipient connected to the transfer agent system, Performing the depositor's authentication and when the collector's authentication is performed normally And transferring the remittance from the representative account of the system to the depositor's account. Provides a transfer agent service method using a CMS function, characterized in that.

In addition, the present invention provides a web service for providing a user interface in the form of a web browser so that a remitter can register for membership through a remitter terminal and request a remittance agent service and a remitter can input remitter information including an account number through a remitter terminal. Communication module and remittance providing a module, a database storing information and transactions entered through a remitter terminal and a remitter terminal, a network interface for wired / wireless communication with a remitter terminal and a remitter terminal and a bank server. Receive the remitter information including the account holder name, bank name and withdrawal account from the terminal, and communicates with the bank server through the communication module to register the withdrawal account of the remitter as the CMS withdrawal account, and the remitter remittance through the web service module When requesting an agency service, the authorized sender is authenticated and the sender's CMS is withdrawn. Transfer the amount of money from the left to the representative account of the system, notify the recipient of the remittance service to the recipient terminal, receive the recipient information from the collector connected to the system through the web service module to perform the authentication of the collector; Provides a transfer agent system using a CMS function comprising a central processing unit for transferring the transfer amount from the representative account of the system to the account of the collector.

Remittance agent service method and remittance agent system using the CMS function according to the present invention, the remitter can perform the remittance agent service of the desired amount to the desired remitter without knowing the financial information, such as the bank account of the remitter, the remitter remittance Remittance service can be performed by simply applying for a service and performing a certification process without a separate payment or transfer process.

In addition, when the remitter is a registered member, there is no need to input the remitter's financial information separately, which allows the remitter to perform a remittance agent service quickly and quickly.

1 is a schematic configuration diagram of a transfer agent system using a CMS function according to an embodiment of the present invention.
2 is a flow chart illustrating a procedure for a remitter applying for a remittance service method using the CMS function according to an embodiment of the present invention.
3 is a flow chart illustrating a procedure for receiving money remittance through the method of the transfer agent service using the CMS function according to an embodiment of the present invention.

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

1 is a schematic configuration diagram of a transfer agent system using a CMS function according to an embodiment of the present invention.

The present invention is a remittance agent system using a CMS function, the remittance agent system is given a remittance authority for the sender's CMS withdrawal account by using the CMS function, it is possible to transfer money directly from the sender's CMS withdrawal account. The CMS (Cash Management Service) connects the bank's computer with the client's computer or terminal through a communication line to provide financial transaction information, efficient management of funds, and transfer of funds to the client. It started with the purpose of funding, but recently, various forms of CMS are provided based on the progress of computerization and financial innovation.

Using such CMS (Cash Management Service) ① provide transaction details such as balance inquiry, deposit and withdrawal specification, ② centralized management of funds by remittance, ③ transfer, ④ provide market information such as exchange rate, interest rate, ⑤ securities trading and transaction specification It can provide services such as reporting, securities trading, ⑥ portfolio analysis, financial analysis, etc. Due to this feature, many customers open CMS accounts, and automatically pay bills and other bank transfers using the CMS account. , Automatic installment payment, etc.

As shown in Figure 1, the transfer agent system 200 according to the present invention is configured to be connected to the remitter terminal 110, the receiver terminal 120 and the bank server 300 and a wired / wireless Internet network, When the remitter requests the transfer agent service only by inputting the name of the collector, the mobile communication number and the remittance amount through the remitter terminal 110, the remittance agent system 200 receives it and communicates with the bank server 300 through the transfer. Transfer the amount of money directly from the CMS withdrawal account of the registered remitter to the representative account of the system, and inform the recipient of the remittance service to the recipient's terminal 120. Recipient information including the account number of the collection account to receive the transfer of money to the remitter Receives and transfers the transfer amount to the collector's collection account.

Remitter terminal 110 and the receiver terminal 120 according to an embodiment of the present invention is a computer device capable of communicating with an Internet browser capable of displaying a user interface provided in the form of a web browser, desktop computer, It includes not only personal computers such as notebook computers, but also mobile communication terminals capable of wireless Internet communication, personal digital assistants (PDAs), and the like.

The remittance agency system 200 includes a web service module 210, a database 240, a communication module 220, and a central processing unit 230. First, the web service module 210 includes a remitter terminal. The user interface is provided in the form of a web browser so that the member registration and remittance service request through the 110 and the collector can input the collector information including the account number of the collection account through the collector terminal 120.

The database 240 stores information generated from the remittance agent service, a customer information database (not shown) for storing information input when the remitter registers as a member of the remittance agent system 200 through the remitter terminal 110 and the remittance. It is configured to include a transaction information database (not shown) that stores the information on the transfer agent service history for each person.

When a new sender connects to the customer information database and requests membership, a new database is created in the customer information database, and the sender's identity information including the sender's unique ID, password, name, social security number, address, telephone number, etc. Sender information is stored, including account holder name, bank name, and CMS withdrawal account.

The communication module 220 provides a network interface for wired / wireless communication with the remitter terminal 110, the remitter terminal 120, and the bank server 300.

The central processing unit 230 registers a withdrawal account of the remitter received through the remitter terminal 110 with the bank server 300 through the communication module 220 to register as a CMS withdrawal account, and the web service module 210. When requesting the remittance agent service of the remitter through), perform the authorized certification of the remitter, transfer the remittance amount from the remitter's CMS withdrawal account to the representative account of the system, and informs the remitter terminal 120 to accept the remittance agency service.

In addition, the central processing unit 230 receives the collector information from the collector connected to the system through the web service module 210 to perform the authentication of the collector, and transfers the transfer amount from the representative account of the system to the collector's account. . In this case, the collector information received from the collector includes the account number of the collection account to receive the transfer and the bank name and the name of the collector.

Accordingly, the transfer agent system using the CMS function according to the present invention can quickly and quickly perform the transfer agent service of the desired amount to the desired recipient without the sender knows the financial information, such as the bank account of the recipient, the remitter remittance amount Remittance service can be performed by simply applying for a service and performing a certification process without a separate payment or transfer process.

Hereinafter, a transfer agent service method using another CMS function in an embodiment of the present invention using the system configured as described above will be described.

First, in order to perform the remittance agent service method according to the present invention, the remitter must register his withdrawal account as a CMS withdrawal account, and accordingly, the remittance agent system receives a remittance right for the CMS withdrawal account of the registered remitter. In this case, the remittance authority granted by the system to the sender's CMS withdrawal account may be set to one-time, or may be repeatedly applied to the registered CMS withdrawal account until the remitter suspends its authority. Hereinafter, a transfer agent service using a CMS function according to an embodiment of the present invention will be described with reference to FIGS. 2 and 3.

2 is a flowchart illustrating a procedure for a remitter applying for a transfer agent service method using a CMS function according to an embodiment of the present invention, and FIG. 3 is a transfer agent service using a CMS function according to an embodiment of the present invention. This is a flowchart showing the procedure of receiving remittance through the method.

As shown in FIG. 2, first, when a remitter accesses a remittance agent system through a remitter terminal in order to use a remittance agent system (S212), the remittance agent system registers membership for a remitter connected to a remittance agent system. Check (S214). As a result of the registration check, when the remitter accessing the system is a registered member, information about previously registered CMS withdrawal account for the remitter is extracted (S216).

However, if the sender connected to the system is an unregistered member, it is selected whether or not to register as a member from the sender (S218), and if the sender chooses to register as a member, the name of the depositor, bank name and withdrawal account from the sender together with the sender's identity information. Receiving and receiving the remitter information, including (S220), using the received account holder name, bank name and withdrawal account registers the withdrawal account as a CMS withdrawal account through communication with the bank server (S226).

On the other hand, when the remitter does not choose to register (S218), the remitter information including the account holder name, bank name and withdrawal account is input from the remitter (S224), and the withdrawal account is communicated with the corresponding bank server. Register as a CMS withdrawal account (S226). At this time, the registered CMS withdrawal account is registered as a CMS withdrawal account having the authority to perform a one-time remittance transaction.

Subsequently, the receiver receives the receiver's mobile communication number, name and remittance amount from the sender (S228), and performs an authorized certification on the sender's CMS withdrawal account (S230).

If the authentication is normally performed, the transfer agent system transfers the transfer amount from the sender's CMS withdrawal account to the representative account of the system (S232), and stores the transfer agent service transaction history (S234), and to the receiver's mobile communication terminal. Notification of receipt of the transfer service (S236).

Thereafter, as shown in FIG. 3, when the remitter who is notified of the remittance agency service is connected to the remittance agent system (S312), the remittance agent system receives the remittance account from the remitter, the account number and bank name of the remittee. Receiving information is collected, including the name (S314).

Subsequently, the transfer agent system transfers the account number information among the received collector information to the bank server (S316) and receives the account holder information for the corresponding account number (S318), and the account holder for the name of the collector and the account number of the collection account. Perform the authentication of the collector through the same confirmation of (S320). In addition, the transfer agent system generates a unique authentication number for the transfer agent service when the same confirmation of the account holder of the name of the collector and the account number of the collection account is completed normally (S322), and collects a randomly generated unique authentication number Transmitted in the form of a short message service (SMS) to the terminal of the user (S324), receiving the unique authentication number from the money collector connected to the transfer agent system (S326) and adds the recipient's authentication by checking whether the unique authentication number matches It may also be performed (S328).

When the authentication of the depositor is normally performed, the transfer agent system transfers the transfer amount from the representative account of the system to the collection account to receive the transfer amount (S330) and notifies the sender that the transfer agent service is normally completed (S332).

On the other hand, if the remitter who is notified of receipt of the remittance service does not access the system for the period set in the remittance agency system, transfer the remittance amount from the representative account of the system to the remitter's CMS withdrawal account and apply to the remitter and the remitter. Notify that the remittance transaction has been cancelled.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes are possible in the art without departing from the technical spirit of the present invention. It will be clear to those of ordinary knowledge.

110: remitter terminal 120: collector terminal
200: Remittance agency system 210: Web service module
220: communication module 230: central processing unit
240: database 300: bank server

Claims (15)

In the method of performing the transfer agent service using the transfer agent system,
Checking whether a member is registered with respect to the remitter connected to the remittance agent system;
Receiving a receiver's mobile communication number, name and remittance amount from the remitter;
Performing an authorized certification on a sender's CMS withdrawal account;
Transferring the remittance amount from the sender's CMS withdrawal account to the representative account of the system;
Storing the remittance agency service transaction and notifying the receipt of the remittance agency service to the receiver's mobile communication terminal;
Receiving depositor information including an account number of a collection account to which a money transfer is to be transferred to a depositor accessing a remittance agent system;
Performing authentication of the recipient; And
Transferring the remittance amount from the representative account of the system to the depositor's account when the depositor's authentication is normally performed;
Remittance agency service method using a CMS function, characterized in that configured to include.
The method of claim 1,
In the step of confirming the membership registration for the remitter,
If the remitter is unregistered in the system, it is selected whether or not to register as a member of the remitter.If the remitter chooses to register as a member, the remitter including the account holder's name, bank name and withdrawal account, together with the sender's identity information required for registration by the sender. Register the withdrawal account as the CMS withdrawal account of the registered member through communication with the bank server using the inputted account holder name, bank name and withdrawal account. Remittance agency service method using a CMS function, characterized in that it further comprises a step.
The method of claim 1,
In the step of confirming the membership registration for the remitter,
As a result of the check, if the sender is not registered in the system, the member is selected whether to register or not, and if the sender does not select membership, the sender enters the remitter information including the account holder's name, bank name and withdrawal account. Remittance service using the CMS function characterized in that it further comprises the step of registering the withdrawal account as a CMS withdrawal account through communication with the bank server.
The method of claim 3,
Registering the withdrawal account as a CMS withdrawal account,
Remittance agency service method using a CMS function characterized in that the registration with the CMS withdrawal account having the authority to perform one-time remittance transaction.
The method of claim 1,
The step of performing an authorized certification for the CMS withdrawal account of the remitter,
When the remitter is a member already registered in the system, remittance agent service method using a CMS function characterized in that for performing the official authentication for the previously registered CMS withdrawal account for the member.
The method of claim 1,
The step of notifying the transfer agency service receipt to the receiver's mobile communication terminal,
Remittance agent service method using the CMS function, characterized in that for transmitting information including the name of the remitter and the remittance amount to the mobile communication terminal of the recipient.
The method of claim 1,
Receiving the information of the collector, including the account number of the collection account to receive the transfer amount to the recipient,
Remittance agent service method using the CMS function, characterized in that receiving information including the name of the collector, the account number and bank name of the collection account to receive the transfer amount.
The method of claim 1,
The step of authenticating the collector,
Remittance agent service method using a CMS function, characterized in that for performing the authentication of the collector through the same confirmation of the account holder of the name and account number of the collector using the received information.
The method of claim 8,
The step of authenticating the collector,
CMS, characterized in that the step of generating a unique authentication number for the remittance transaction and transmits it to the receiver's mobile communication terminal, receiving the unique authentication number from the collector connected to the system to perform the authentication of the collector; Remittance agency service method using the function.
The method of claim 1,
If the depositor does not access the system for a preset period of time, transfer the remittance amount from the system representative account to the sender's CMS withdrawal account, and notify the sender and the remitter that the remittance transaction has been cancelled. Remittance agency service method.
In the transfer agent system connected to the remitter terminal, the receiver terminal and the bank server and wired / wireless Internet network,
A web service module for providing a user interface in a web browser format so that a remitter can register through a remitter terminal, request a remittance agent service, and a remitter to input remitter information including an account number through a remitter terminal;
A database for storing information and transactions entered through the remitter terminal and the remitter terminal;
A communication module for providing a network interface for wired / wireless communication with a remitter terminal, a receiver terminal, and a bank server; And
Receives the remitter information including the account holder name, bank name and withdrawal account from the remitter terminal, communicates with the bank server through the communication module to register the withdrawal account of the remitter as the CMS withdrawal account, and through the web service module When requesting remittance service, it performs authorized remitter's certification, transfers remittance from the sender's CMS withdrawal account to the representative account of the system, notifies the remitter's receipt of the remittance service, and sends it to the system through the web service module. A central processing unit which receives the collector information from the connected collector and authenticates the collector and transfers the transfer amount from the representative account of the system to the collector's account;
Remittance agency system using a CMS function that is configured to include.
12. The method of claim 11,
The central processing unit,
When requesting the sender's membership, the web service module receives and stores the identity information including the sender's unique ID, password and name and the sender's information including the account holder's name, bank name and withdrawal account through the web service module. Remittance agency system using the CMS function, characterized in that the withdrawal account of the person with the CMS withdrawal account.
12. The method of claim 11,
The recipient information is
Remittance agent system using the CMS function, characterized in that the information including the name of the collector, account number and bank name.
12. The method of claim 11,
The central processing unit,
Remittance agent system using the CMS function, characterized in that to perform the authentication of the collector through the same confirmation of the account holder for the name and account number of the collector using the information of the collector.
12. The method of claim 11,
The central processing unit,
Remittance agency system using CMS function to generate a unique authentication number for the remittance transaction and send it to the receiver's mobile communication terminal, and to receive the unique authentication number from the collector connected to the system to perform the authentication of the collector .
KR1020110051034A 2011-05-30 2011-05-30 Method of remittance proxy service using CMS and the remittance proxy system KR20120132729A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20170004213A (en) * 2015-07-01 2017-01-11 주식회사 하나은행 System for providing financial service and method for transfer thereof
KR20180081455A (en) * 2017-01-06 2018-07-16 한국카카오은행 주식회사 Method for overseas remittance, and system and application implementing the method
WO2022231276A1 (en) * 2021-04-28 2022-11-03 주식회사 하렉스인포텍 Method for automatic account generation, remittance/transfer, and collection by using bank agent

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20170004213A (en) * 2015-07-01 2017-01-11 주식회사 하나은행 System for providing financial service and method for transfer thereof
KR20180081455A (en) * 2017-01-06 2018-07-16 한국카카오은행 주식회사 Method for overseas remittance, and system and application implementing the method
WO2022231276A1 (en) * 2021-04-28 2022-11-03 주식회사 하렉스인포텍 Method for automatic account generation, remittance/transfer, and collection by using bank agent

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