KR20140130864A - Withdrawal service apparatus using multiple payment account and method thereof - Google Patents

Withdrawal service apparatus using multiple payment account and method thereof Download PDF

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Publication number
KR20140130864A
KR20140130864A KR20130049364A KR20130049364A KR20140130864A KR 20140130864 A KR20140130864 A KR 20140130864A KR 20130049364 A KR20130049364 A KR 20130049364A KR 20130049364 A KR20130049364 A KR 20130049364A KR 20140130864 A KR20140130864 A KR 20140130864A
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South Korea
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withdrawal
settlement
accounts
account
user
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KR20130049364A
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Korean (ko)
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장숙경
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중소기업은행
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Priority to KR20130049364A priority Critical patent/KR20140130864A/en
Publication of KR20140130864A publication Critical patent/KR20140130864A/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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a withdrawal service apparatus using a multiple payment account and a method thereof, by which a plurality of withdrawal accounts possessed by a user is multi-registered in a plurality of payment accounts with respect to a financial transaction used by the user, and a withdrawal order is set with respect to the registered plurality of payment accounts to withdraw a payment on a payment deadline date in the set withdrawal order, thereby minimizing delinquency due to an overdrawn payment account through the multi-registered plurality of payment accounts.

Description

TECHNICAL FIELD [0001] The present invention relates to a withdrawal service apparatus using a plurality of settlement accounts and a withdrawal service apparatus using the same,

An embodiment of the present invention relates to a withdrawal service apparatus using a plurality of settlement accounts and a method thereof. More particularly, the present invention relates to a withdrawal service apparatus using a plurality of settlement accounts and a method thereof, And a method thereof.

The current financial service for credit cards will stop all credit card transactions held by members even if one card is overdue at the time of delinquency. Also, even if there is a small amount of delinquency, even if the delinquency occurs only one day, the creditworthiness of the member is greatly lowered. Even a simple delinquency that is not malicious causes a large financial disadvantage to the user.

The credit card user should contact the financial company server to inquire about the balance in the payment account for the credit card. However, there is no continuous balance inquiry unless the user has special interest. Therefore, there is a possibility that the card delinquency may sometimes occur due to the carelessness of the user sometimes when the user does not intend.

Currently, the card payment account is operated only as a withdrawal account. If there is insufficient funds in the payment account of a particular bank, there is the inconvenience that the user transfers money from the withdrawal account of another bank to the payment account of the specific bank. In addition, if a withdrawal account that is not used by the user is registered as a payment account, there is a possibility that the payment date of the credit card may be overdue.

Embodiments of the present invention provide a method and system for multiple registration of a plurality of withdrawal accounts held by a user with a plurality of settlement accounts for a financial transaction using a user and setting a withdrawal order number for a plurality of registered settlement accounts, And to provide a withdrawal service apparatus and method using a plurality of settlement accounts capable of minimizing overdue delinquencies caused by a shortage of a balance in one settlement account through a plurality of multiple registered settlement accounts by withdrawing at a settlement day.

According to a first aspect of the present invention, there is provided a payment amount interlocking unit for interlocking with a financial transaction institution server and confirming a settlement amount for a financial transaction used by a user before a predetermined settlement date; A settlement account registering unit for registering a plurality of withdrawal accounts held by the user as a plurality of settlement accounts for financial transactions using the user; A withdrawal order number setting unit for setting a withdrawal order number for the plurality of registered accounts; And a withdrawal unit for withdrawing the confirmed settlement amount from the registered plurality of settlement accounts to the settlement day according to the set withdrawal number of the settlement account.

According to a second aspect of the present invention, there is provided a billing method comprising: a billing account registration step of registering a plurality of withdrawal accounts held by a user into a plurality of settlement accounts for a financial transaction using the user; A withdrawal order number setting step of setting a withdrawal order number for the plurality of registered payment accounts; A payment amount checking step of checking a payment amount for the financial transaction used by the user; And a withdrawing step of withdrawing the confirmed settlement amount from the registered plurality of settlement accounts in the set withdrawal order. The withdrawing service method using a plurality of settlement accounts may be provided.

Embodiments of the present invention provide a method and system for multiple registration of a plurality of withdrawal accounts held by a user with a plurality of settlement accounts for a financial transaction using a user and setting a withdrawal order number for a plurality of registered settlement accounts, It is possible to minimize delinquency caused by insufficient balance in one settlement account through a plurality of multiple registered settlement accounts by withdrawing at the settlement day.

1 is a configuration diagram of a withdrawal service system according to an embodiment of the present invention.
2 is a configuration diagram of a withdrawal service apparatus using a plurality of settlement accounts according to an embodiment of the present invention.
3 is a flowchart illustrating a withdrawal service method using a plurality of settlement accounts according to an embodiment of the present invention.
4 is a flowchart of a withdrawal notification method in the withdrawal service apparatus according to the embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

1 is a configuration diagram of a withdrawal service system according to an embodiment of the present invention.

As shown in FIG. 1, the withdrawal service system 100 includes a user terminal 110, a withdrawal service device 120, and a financial institution server 130. The user terminal 110, the withdrawal service device 120, and the financial institution server 130 are interconnected via a communication network. The communication network may be an Internet network, a mobile communication network, or a dedicated LAN network.

The withdrawal service device 120 registers a plurality of withdrawal accounts held by the user as a plurality of settlement accounts for financial transactions using the user, and sets withdrawal order numbers for the plurality of settlement accounts.

The withdrawal service device 120 interlocks with the financial transaction institution server 130 and confirms the settlement amount for the financial transaction used by the user before the predetermined settlement date. At this time, the withdrawal service device 120 can confirm the settlement date related to the settlement amount, a plurality of the plurality of registered settlement accounts, the withdrawal order number, and the like.

The withdrawal service device 120 withdraws the confirmed settlement amount in cooperation with the financial transaction institution server 130 from the plurality of settlement accounts in the withdrawal order number at the settlement date.

Thereafter, the withdrawal service device 120 generates a withdrawal notification message by dividing the withdrawal amount of the withdrawn funds among the plurality of settlement accounts into a plurality of settlement accounts and withdrawal amounts by the settlement accounts, and transmits the generated withdrawal notification message to the user To the user terminal 110.

On the other hand, the user terminal 110 displays the withdrawal notification message notified from the withdrawal service apparatus 120 to the user. At this time, the user terminal 110 may display only the receipt of the withdrawal notification message from the withdrawal service apparatus 120 to the user, and store the withdrawal notification message. When the user wants to confirm the withdrawal notification message, he can display the stored withdrawal notification message to the user.

On the other hand, the financial transaction institution server 130 sums the usage amounts of the financial transaction used by the user, and calculates a settlement amount to be settled on the settlement day. For example, if the financial transaction institution server 130 is a credit card institution among the financial transactions used by the user, the financial transaction institution server 130 calculates a settlement amount for a credit card transaction used by the user in the previous month or a predetermined period can do. Here, the financial transaction institution server 130 is a server that is owned and managed by an institution that withdraws a predetermined amount each month, such as a card company, an insurance company, and a fund management company.

The financial transaction institution server 130 provides the settlement amount for the financial transaction used by the user to the withdrawal service apparatus 120 in cooperation with the withdrawal service apparatus 120 before the predetermined settlement date.

Meanwhile, in order to register as a temporary settlement account, the withdrawal service apparatus 120 may request withdrawal account information from another financial transaction institution server operated by another financial transaction institution. Then, the other financial transaction institution server can provide the withdrawal account information for the temporary settlement account to the withdrawal service apparatus 120. [

When a withdrawal is made from a plurality of settlement accounts and the remaining amount is insufficient, the withdrawal service device 120 registers the withdrawal account of another financial institution as a temporary settlement account using withdrawal account information received from another financial transaction institution server. Then, the withdrawal service device 120 can withdraw the withdrawal amount remaining in the registered temporary settlement account.

2 is a configuration diagram of a withdrawal service apparatus using a plurality of settlement accounts according to an embodiment of the present invention.

2, the withdrawal service apparatus 120 includes a settlement amount interlocking unit 210, a settlement account registering unit 220, a withdrawal order setting unit 230, a withdrawal unit 240, and a withdrawal notification unit 250, .

The settlement amount interlocking unit 210 interlocks with the financial transaction institution server 130 and confirms the settlement amount for the financial transaction used by the user before the predetermined settlement date. The settlement amount interlocking unit 210 can confirm in advance the date of settlement related to the settlement amount, a plurality of multiple registered settlement accounts, a withdrawal order number, etc. in cooperation with the financial transaction institution server 130.

The settlement account registering unit 220 registers a plurality of withdrawal accounts held by the user as a plurality of settlement accounts for financial transactions using the user. The payment account registration unit 220 registers the withdrawal account of another financial institution held by the user as a temporary settlement account when the withdrawal is made from a plurality of settlement accounts and the balance is insufficient. Then, the withdrawal unit 240 withdraws the withdrawal amount remaining from the registered temporary settlement account.

The settlement account registering unit 220 registers a withdrawal account corresponding to a predetermined number of accounts or less among a plurality of withdrawal accounts held by the user as a settlement account. For example, if the preset number of accounts is three, the billing account registration unit 220 can register only three payment accounts.

The withdrawal order number setting unit 230 sets a withdrawal order number for a plurality of settlement accounts registered in the settlement account registration unit 220. [ At this time, the withdrawal order number setting unit 230 can set the withdrawal order number of the withdrawal account such as an account having a large amount of balance average for a predetermined period (for example, three months) and an account to be frequently withdrawn from the withdrawal account. Also, the withdrawal order number setting unit 230 may set the withdrawal order number in advance according to the average balance amount of the account, the number of deposits and withdrawals, and may be selected by the user.

The withdrawal unit 240 withdraws the settlement amount confirmed by the settlement amount interlocking unit 210 from the plurality of settlement accounts to the settlement date according to the withdrawal order number set by the withdrawal order number setting unit 230. [

The withdrawal notification unit 250 divides the withdrawal amount of withdrawals from the plurality of settlement accounts registered in the settlement account registration unit 220 into a plurality of settlement accounts and withdrawal amounts by the settlement accounts and notifies the user terminal 110 designated by the user do.

When the withdrawal is made from a plurality of settlement accounts registered in the settlement account registration unit 220 in a predetermined order, the withdrawal notification unit 250 includes a settlement account of a predetermined order and a withdrawal amount, which are predetermined by the user terminal 110 And sends the withdrawal notification message.

3 is a flowchart illustrating a withdrawal service method using a plurality of settlement accounts according to an embodiment of the present invention.

The settlement account registration unit 220 registers a plurality of withdrawal accounts held by the user as a plurality of settlement accounts for financial transactions using the user (S302).

The settlement account registration unit 220 checks whether the withdrawal account is equal to or less than a predetermined number of accounts (S304).

If it is determined in step S304 that the withdrawal account exceeds the predetermined number, the settlement account registration unit 220 changes the settlement account to a predetermined account number or less (S306). That is, the settlement account registering unit 220 registers a withdrawal account corresponding to a predetermined number of accounts or less among a plurality of withdrawal accounts held by the user as a settlement account.

If the withdrawal account is equal to or less than the preset number of accounts, the withdrawal order number setting unit 230 sets a withdrawal order for the plurality of settlement accounts registered in the settlement account registration unit 220 at step S308.

The settlement amount linking unit 210 confirms the settlement amount for the financial transaction used by the user (S310).

The withdrawal unit 240 withdraws the settlement amount confirmed by the settlement amount interlocking unit 210 from the plurality of settlement accounts in the withdrawal order set in the withdrawal order number setting unit 230 (S312).

After withdrawing from the plurality of settlement accounts in the order of withdrawal, the withdrawal unit 240 confirms whether withdrawal of the settlement amount is completed (S314).

If the withdrawal of the settlement amount is incomplete, that is, if a plurality of settlement accounts are withdrawn and the balance is insufficient, the settlement account registration unit 220 stores the withdrawal account of another financial institution owned by the user as a temporary settlement And registers it as an account (S316).

Then, the withdrawal unit 240 withdraws the withdrawal amount remaining in the registered temporary settlement account (S318).

If the withdrawal of the settlement amount is incomplete, the withdrawal notifying unit 250 notifies the withdrawal amount of the withdrawn out of the plurality of settlement accounts registered in the settlement account registering unit 220 to a plurality of settlement accounts (S320).

Then, the withdrawal unit 240 divides the withdrawal amount according to the settlement account and notifies the user terminal 110 designated by the user (S322).

4 is a flowchart of a withdrawal notification method in the withdrawal service apparatus according to the embodiment of the present invention.

The withdrawal order number setting unit 230 sets a settlement account of a predetermined order among a plurality of settlement accounts registered in the settlement account registration unit 220 (S402).

The settlement amount interlocking unit 210 confirms the settlement amount for the financial transaction used by the user and the withdrawal unit 240 transmits the settlement amount confirmed by the settlement amount interlocking unit 210 to the withdrawal order setting unit 230 in the withdrawal order (S404).

The withdrawal notification unit 250 checks whether the withdrawal unit 240 withdraws money from a plurality of settlement accounts having a predetermined order number (S406).

If it is determined in step S406 that the withdrawal is not made in the settlement account of the predetermined order, the withdrawal notification unit 250 performs step S406 of confirming whether withdrawal is made.

On the other hand, if it is determined in step S406 that the withdrawal is made in the settlement account of the predetermined order, the withdrawal notification unit 250 generates a withdrawal notification message for the settlement account of the predetermined order in step S408.

The withdrawal notification unit 250 transmits a withdrawal notification message for the settlement account of the predetermined order to the user terminal 110 (S410). That is, the withdrawal notification unit 250 transmits a withdrawal notification message including the withdrawal amount and the settlement account of the order specified in advance to the user terminal 110 when withdrawal is made from the settlement account of the predetermined order.

On the other hand, the withdrawal service method using the plurality of settlement accounts described above can be implemented by a software program and recorded on a predetermined recording medium readable by a computer.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

In this case, a program recorded on a computer-readable recording medium includes a settlement account registration process of registering a plurality of withdrawal accounts held by a user as a plurality of settlement accounts for financial transactions using the user, A settlement amount checking process of confirming a settlement amount for a financial transaction used by the user, and a withdrawal amount confirming process of withdrawing the confirmed settlement amount from the plurality of registered settlement accounts in accordance with the set withdrawal order number Including the withdrawal process.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the specific order shown to obtain desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

In addition, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in different orders, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

In the present invention, a plurality of withdrawal accounts held by a user are registered in a plurality of settlement accounts for a financial transaction using a user, a withdrawal number is set for a plurality of registered settlement accounts, and the withdrawal amount is withdrawn , It is possible to minimize delinquency caused by insufficient balance in one settlement account through a plurality of settlement accounts which are registered in multiple. In this respect, it is not only the use of the related technology but also the possibility of commercialization or operation of the applied device, as it exceeds the limit of the existing technology.

100: withdrawal service system 110: user terminal
120: withdrawal service device 130: financial institution server
210: payment amount interworking part 220: payment account registration part
230: withdrawal order number setting unit 240:
250: withdrawal notification section

Claims (10)

A settlement amount interlocking unit interlocking with a financial transaction institution server and confirming a settlement amount for a financial transaction used by a user before a predetermined settlement date;
A settlement account registering unit for registering a plurality of withdrawal accounts held by the user as a plurality of settlement accounts for financial transactions using the user;
A withdrawal order number setting unit for setting a withdrawal order number for the plurality of registered accounts; And
And a withdrawal unit for withdrawing the confirmed settlement amount from the registered plurality of settlement accounts to the settlement day in accordance with the set withdrawal order number
And a plurality of settlement accounts using the plurality of settlement accounts. The method according to claim 1,
A withdrawal notification unit for dividing the withdrawal amount of withdrawals from the registered plurality of settlement accounts into the withdrawal amounts of the plurality of settlement accounts and settlement accounts and notifying the user terminal designated by the user,
Further comprising a plurality of settlement accounts. 3. The method of claim 2,
The withdrawal notification unit,
And when the withdrawal is made from a plurality of registered settlement accounts of a predetermined order, the withdrawal notification message including the settlement account of the predetermined order and the withdrawal amount is transmitted to the user terminal Withdrawal service device. The method according to claim 1,
The billing account registration unit,
A withdrawal account of the other financial institution held by the user is registered as a temporary settlement account when withdrawals are made from the registered plurality of settlement accounts and the balance is insufficient,
Wherein the withdrawing unit withdraws the withdrawal amount remaining in the registered temporary settlement account. The method according to claim 1,
The billing account registration unit,
And registers a withdrawal account corresponding to a predetermined number of accounts or less among a plurality of withdrawal accounts held by the user as a settlement account. A settlement account registration step of registering a plurality of withdrawal accounts held by a user into a plurality of settlement accounts for financial transactions using the user;
A withdrawal order number setting step of setting a withdrawal order number for the plurality of registered payment accounts;
A payment amount checking step of checking a payment amount for the financial transaction used by the user; And
A withdrawal step of withdrawing the confirmed settlement amount from the registered plurality of settlement accounts in the set withdrawal order
The withdrawal service method comprising the steps of: The method according to claim 6,
A withdrawal notification step of separating a plurality of withdrawn payment accounts and withdrawal amounts of the registered plurality of settlement accounts by settlement accounts and notifying the user terminal designated by the user
Further comprising the steps of: determining whether or not the settlement service is to be executed; 8. The method of claim 7,
The withdrawal notification step includes:
And when the withdrawal is made from a plurality of registered settlement accounts of a predetermined order, the withdrawal notification message including the settlement account of the predetermined order and the withdrawal amount is transmitted to the user terminal Withdrawal service method. The method according to claim 6,
A withdrawal account of the other financial institution held by the user is registered as a temporary settlement account and a withdrawal amount of the withdrawal amount remaining in the registered temporary settlement account is withdrawn when the withdrawal is made from the registered plurality of settlement accounts and the balance is insufficient step
Further comprising the steps of: determining whether or not the settlement service is to be executed; The method according to claim 6,
In the payment account registration step,
And registers a withdrawal account corresponding to a predetermined number of accounts or less among a plurality of withdrawal accounts held by the user as a settlement account.
KR20130049364A 2013-05-02 2013-05-02 Withdrawal service apparatus using multiple payment account and method thereof KR20140130864A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20170098822A (en) * 2014-12-18 2017-08-30 알리바바 그룹 홀딩 리미티드 Processing data service

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20170098822A (en) * 2014-12-18 2017-08-30 알리바바 그룹 홀딩 리미티드 Processing data service

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