KR20170032109A - Accout transfer method on firm banking and account transfer system using the same - Google Patents

Accout transfer method on firm banking and account transfer system using the same Download PDF

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Publication number
KR20170032109A
KR20170032109A KR1020150129933A KR20150129933A KR20170032109A KR 20170032109 A KR20170032109 A KR 20170032109A KR 1020150129933 A KR1020150129933 A KR 1020150129933A KR 20150129933 A KR20150129933 A KR 20150129933A KR 20170032109 A KR20170032109 A KR 20170032109A
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KR
South Korea
Prior art keywords
transfer
payment
server
bank
money
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KR1020150129933A
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Korean (ko)
Inventor
한향원
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에이치에버 주식회사
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Priority to KR1020150129933A priority Critical patent/KR20170032109A/en
Publication of KR20170032109A publication Critical patent/KR20170032109A/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
    • 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

Abstract

The present invention provides a money transfer system in firm banking. The money transfer system includes a service server which includes an account transfer information generating part for making a request for transfer of money to a bank payment server for transferring intercompany money due to a commodity transaction, and an authorization number transfer part for receiving a payment authorization number transmitted from the bank payment server and transferring it to the mobile phone of a company staff. According to the present invention, a bank which receives intercompany money transfer information requested after commodity transaction through an online shopping mall can accurately confirm whether it is a money transfer request according to the intention of a company. So, it is advantageous to secure the stability and promptness of the payment of money transfer in intercompany transaction through electronic commerce.

Description

TECHNICAL FIELD [0001] The present invention relates to a method of transferring funds in banking, and a money transfer system using the method. [0002]

The present invention relates to a fund transfer method and a fund transfer system using the method. More particularly, the present invention relates to a fund transfer system for preventing funds transfer from a company account at the time of firm banking without the company's consent, And a fund transfer system using the method.

A home or business uses a computer or a smart phone to process bank related business such as electronic funds transfer through a bank. When a home or business accesses the Internet through a computer or a smart phone, And obtains financial information such as the deposit and withdrawal specification, the balance of the deposit, etc., and transfers money between accounts. In this case, home and personal banking transactions with banks and online banks are referred to as home banking, and business transactions between companies and banks are referred to as firm banking.

Firm banking refers to financial services that provide convenience of corporate funds management by connecting a host computer of a corporation with a server of a financial institution through a dedicated line or Value Added Network (VAN). The company is physically stable as it uses the VAN communication network provided by VAN, and can receive a reduction in the fee according to the contract with the financial institution and deals with the bank through promised electronic document exchange. There is no limit and the speed is fast and convenient.

On the other hand, as the electronic commerce using the Internet network becomes active with the development of the information communication, the main server (online shopping mall) provided by the electronic commerce company relaying the purchase transaction of the commodity replaces the bank, (PG), which provides a payment gateway (PG), which is a service that receives a payment from a customer and deducts a commission and provides payment to a seller.

A network-based real-time financial account transfer system and method thereof using a banking method of the Korean Utility Model Publication No. 2001-0084922, which is related to the present invention, includes a plurality of client PC users or a plurality of personal mobile terminal users Accesses a main server that provides a real-time financial account transfer system, receives user data from a user authentication or linkage system, inputs financial account data and a transfer amount, or calls financial account data stored in a client PC or personal portable terminal A financial institution data server, a financial institution data server, a financial institution data server, and a financial institution data server. To the financial account requested by the terminal user Real-time transfer business.

However, the prior art has a risk of leakage of customer settlement information such as financial account data from a user to a main server providing a real-time financial account transfer system connected to the Internet network. That is, even if the customer does not request the transfer of funds, the prior art has a problem in that the main server processes the transfer of money between individual banks through the firm banking network using the payment information of the customer stored therein, thereby causing a great damage to the customer.

When a company that is a buyer in an online shopping mall purchases industrial goods and then makes a payment through business-to-business (B2B) money transfer, the buyer pays the transfer account information to the payment window provided by the main server (online shopping mall, etc.) When the information is input, the payment information is transmitted to the PG of the corresponding bank, and then transferred to the bank payment server through the VAN communication network to transfer money through the firm banking network.

In this case, the online shopping mall, the PG company, and the VAN company can request the transfer even if the purchasing company does not make a payment request for the money transfer. Thus, the bank may purchase the online shopping mall, the PG company, Do not provide funds transfer services through the firm banking network.

Therefore, in the case of transfer of funds through interbank commercial banking, the bank shall be able to confirm whether the request for transfer of funds between enterprises received through the intermediary system provided by online shopping mall, PG, VAN, It is necessary to develop a fund transfer system and a fund transfer system using the fund transfer method.

1. Korean Patent Laid-Open Publication No. 2001-0084922 (published on September 09, 2001)

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems described above, and it is an object of the present invention to provide a method and apparatus for an online shopping mall, And a fund transfer system using the method.

According to an aspect of the present invention, there is provided a system for transferring funds in a firm banking system, the system comprising: a bank transfer information generating unit for requesting transfer of money to a bank payment server for transferring an intercompany transaction, And a payment approval number transmission unit for receiving a payment approval number transmitted to the mobile phone of the company representative and transmitting the payment approval number to the bank payment server.

According to one embodiment of the present invention, when the bank payment server receives a money transfer request from a service server, the bank payment server generates a payment approval number and transmits the phone number of the person in charge of the company, And the money transfer is performed by confirming whether or not the payment approval number to be transmitted is matched.

According to another aspect of the present invention, there is provided a method for transferring money in a firm banking system, comprising the steps of: transferring a money transfer request to transfer money from a corporation (buyer) through a commodity transaction to a bank payment server; Generating a payment approval number from the company contact person's mobile phone, transmitting the payment approval number to the service server, and transmitting the payment approval number to the bank payment server, Determining whether or not the payment authorization number transmitted is identical, performing the money transfer, and transmitting the transfer completion information to the company representative mobile phone.

According to the present invention as described above, the bank that receives the inter-firm money transfer information requested after the commodity trade through the online shopping mall can accurately confirm whether the request is a money transfer according to the doctors' There is an advantage that stability and promptness of settlement of transfer can be ensured.

In addition, since the bank can clearly recognize the request for transfer of money by the doctors of the enterprise through the authentication of the payment approval number, it can contribute to the development of electronic commerce by further activating the intercompany transactions performed in various online shopping malls.

Also, from the viewpoint of the corporation, it is possible for the online shopping mall company, the PG company and the VAN corporation to conveniently and safely carry out the money transfer transaction because the money transfer information generated in the transaction of the industrial products can not request the money transfer to the bank against the intention of the corporation.

FIG. 1 is a block diagram for explaining a bank transfer funds transfer system according to an embodiment of the present invention.
FIG. 2 is a block diagram of a service server for providing a money transfer service after intercompany corporation transaction in an online shopping mall according to an embodiment of the present invention. Referring to FIG.
FIG. 3 is a flowchart illustrating a method of transferring money in a firm banking according to an embodiment of the present invention.
4 is a view illustrating a screen for requesting a transfer of funds provided by a service server according to an embodiment of the present invention.

The following detailed description is merely an example, and is merely an example of the present invention. Further, the principles and concepts of the present invention are provided for the purpose of being most useful and readily explaining.

Accordingly, it is not intended to provide a more detailed structure than is necessary for a basic understanding of the present invention, but it should be understood by those skilled in the art that the present invention can be embodied in various forms.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram for explaining a bank transfer funds transfer system according to an embodiment of the present invention.

1, the FOM banking system 100 includes a service server 100 for providing a commodity purchase relay service and an inter-firm money transfer service through a purchaser terminal 20 and the Internet, A bank settlement system for receiving a request for funds transfer through a communication network and for carrying out an authentication process to determine whether the request for fund transfer is a request of the corporation, 200).

The purchaser terminal 20 can be connected to the service server 100 by accessing the Internet network such as a PC, a smart phone, and a tablet, and can purchase commercial products from a web site provided by the service server 100.

The service server 100 may be a web server operated in an online shopping mall, provides a web site for merchandise transaction to the buyer terminal 20, manages member information of sellers and buyers, And to provide a service for the transfer of funds to and from the account. In other words, when the service server 100 requests the transfer of money by purchasing a commodity from the company account of the buyer terminal 20, the service server 100 receives the payment from the account of the buyer registered in advance on behalf of the seller, subtracts a predetermined commission, (PG, Payment Gateway) for payment to the customer. Here, buyers and sellers are corporations, and funds transfer for commodity trading money can be made through firm banking.

The network 10 includes an Internet network for connecting the purchaser terminal 10 and the service server 100, a VAN network for transferring a request for inter-firm transfer of funds from the service server 100 to the bank payment server 200, A banking network) and a mobile communication network capable of transmitting the payment authorization number generated by the bank payment server 300 to the company contact person's mobile phone 30.

When the bank settlement server 200 receives the fund transfer request including the enterprise information, the transfer account information, the payment amount, and the mobile phone number payment information received from the service server 100, the bank payment server 200 confirms whether the mobile phone number is a mobile phone number registered in advance in the database , And transmits the payment approval number to the company representative cellular phone 30. The bank payment server 200 may proceed with an approval procedure for determining whether the settlement approval number is matched and complete the inter-firm transfer of funds according to the request for transfer of funds.

FIG. 2 is a block diagram of a service server for providing a money transfer service after intercompany corporation transaction in an online shopping mall according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 2, the service server 100 includes a control unit 110 for performing overall control according to a goods relays service and a money transfer service, and a name of a seller and a buyer, a mobile phone number, an address, a login ID and a password Which can store and manage the member information 121 to be traded, merchandise information 122 that has been uploaded by the merchant to be traded, the commodity trading information 123 according to the transaction, and the account information 124 of the company (buyer and seller) A database 120 may be included.

The control unit 110 of the service server 100 includes an industrial product transaction unit 111 for displaying commercial product search, seller search, sales information, and the like in order to relay a commercial product transaction between a buyer and a seller in an online shopping mall, A payment approval number transmission unit 112 for receiving a payment approval number transmitted from the bank payment server to a phone number of the person in charge of the company and receiving the payment approval number transmitted to the bank payment server, (113).

4, a service server 200 displays a money transfer request screen provided by a service server according to an embodiment of the present invention. When a service transaction is performed, A transaction transfer request screen including transaction information and payment information such as company information 141, transfer account number 142, payment amount 143 and mobile phone number 144 for the purchaser (company) On the display portion of the display device. The company representative using the purchaser terminal selects the transfer button 145 displayed on the account transfer request screen so that the service server 100 can transfer the money transfer request to the bank payment server 200 (Fig. 4 (a) Reference). The service server 100 continuously displays an approval input screen for inputting the payment approval number transmitted from the bank payment server 200 to the company contact person's mobile phone 30 on the display unit of the buyer terminal, When the approval number is input to the payment approval number input window 147 and then the transmission button 148 is selected, the payment approval number can be transmitted to the bank payment server 200 (see FIG. 4B).

Here, the account transfer request screen and the approval input screen that the service server 200 displays on the purchaser terminal to provide the money transfer service may be variously formed. For example, when the buyer completes the commodity transaction, the service server 200 displays a payment button on the transaction screen, and when the buyer selects the payment button, the service server stores the mobile phone number of the buyer registered in advance in the database To the bank settlement server 300, and then transmits a money transfer request including the settlement approval number, company information, transfer account information, and settlement amount received from the bank settlement server 300 to the bank settlement server.

FIG. 3 is a flowchart illustrating a method of transferring money in a firm banking according to an embodiment of the present invention.

3, the service server 100 transmits a money transfer request including a mobile phone number for transferring money according to the transaction to the bank payment server 200 after completing the commodity transaction of the company (buyer) (s31) (S33). The bank payment server 200 that has received the funds transfer request continuously checks whether the received mobile phone number is a mobile phone number registered in advance (S34). If the received mobile phone number matches the payment approval number, the bank payment server 200 generates a payment approval number and transmits the payment approval number to the company representative mobile phone 30 (S35). Here, the bank payment server 200 may include a database for storing and managing company information, a company representative's mobile phone number, transfer account information, and the like, which are necessary for transfer of funds. The service provider 100 continuously inputs the payment approval number received by the company representative in the service server 100 (S36), and the service server 100 transmits the payment approval information including the payment approval number, company information, (S37). The bank payment server 200 determines whether the payment approval number received from the service server 100 matches the payment approval number transmitted to the company contact person's mobile phone and whether the received company information matches the previously registered company information If a match is found, a transfer of funds to the account specified in the designated account (buyer account) (for example, an online shopping mall account operating the service server) is performed. The completion information according to the result of the fund transfer can be generated and transmitted to the service server 100 and the company representative mobile phone 30 (S37).

Therefore, in case of transferring funds through interbank commercial banking, the bank shall confirm whether the request for transfer of funds between companies received through the intermediary system provided by the online shopping mall company, PG company or VAN company has been requested by the company, It is possible to secure the stability of the transfer of funds between enterprises.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, I will understand.

Therefore, the scope of the present invention should not be limited to the above-described embodiments, but should be determined by equivalents to the appended claims, as well as the appended claims.

20: Buyer terminal 30: Corporate contact phone
100: service server 110:
111: Industrial Product Transaction Unit 112: Account Transfer Information Generation Unit
113: Payment approval number transmission unit 120: Database
121: Member Information 122: Industrial Product Information
123: Industrial goods transaction information 124: Account information
141: Company information display window 142: Account number display window
143: Payment amount display window 145: Transfer button
147: Enter payment authorization number window 200: Bank payment server
1000: Money Transfer System

Claims (3)

A money transfer information generating unit for making a money transfer request to the bank payment server to transfer the inter-firm money due to the commodity transaction; and
And a payment approval number transmission unit for receiving a payment approval number transmitted from the bank payment server to the contact person's mobile phone and transmitting the payment approval number to the bank payment server.
The method according to claim 1,
The bank payment server generates a payment approval number, transmits a phone number of the person in charge of the company, confirms whether the payment approval number generated is identical to the payment approval number transmitted from the service server, And transferring the money to the bank transfer server.
The service server transmits a money transfer request to the bank payment server for transferring money according to the commodity transaction of the company (buyer)
The bank payment server generates and transmits a payment approval number to the company contact person's mobile phone registered in advance,
The service server receives the settlement approval number and transmits the settlement approval number to the bank settlement server.
The bank payment server determines whether the payment approval number received from the service server matches the payment approval number transmitted to the company contact person's mobile phone, and performs the money transfer and transmits the transfer completion information to the company contact person's mobile phone. City fund transfer method.
KR1020150129933A 2015-09-14 2015-09-14 Accout transfer method on firm banking and account transfer system using the same KR20170032109A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110610411A (en) * 2019-08-30 2019-12-24 中国建设银行股份有限公司 Bank system, enterprise system, fund management system and method

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010084922A (en) 2001-04-17 2001-09-07 서은영 System & method for real-time account transfers with firm banking network based on network

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010084922A (en) 2001-04-17 2001-09-07 서은영 System & method for real-time account transfers with firm banking network based on network

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110610411A (en) * 2019-08-30 2019-12-24 中国建设银行股份有限公司 Bank system, enterprise system, fund management system and method

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