KR20170080554A - Server and method for electronic transfer based on user approval - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a server for executing automatic transfer and a method thereof, and more particularly, to a server and a method for executing a transfer, .
The automatic debit execution server based on the user approval according to the present invention may include a debit scheduling option providing unit for providing a debit schedule management option related to an automatic debit execution schedule to the client terminal, And an automatic transfer execution unit for executing automatic transfer at the determined execution date of the automatic transfer.

Description

TECHNICAL FIELD [0001] The present invention relates to a server and a method for executing a debit transfer based on a user authorization,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a server for executing automatic transfer and a method thereof, and more particularly, to a server and a method for executing a transfer, .

With the recent technological advancement of FinTech and the increase in coverage, users can receive bills in the form of 'smart bills' through mobile applications of each company. Also, Applications (Toshi, Kakao-Fei, Paeko, etc.) can be paid and transferred in real-time via mobile terminals.

1 shows a process of automatic transfer according to the conventional method. Referring to FIG. 1, an entity may send a bill to a user and request a transfer to a bank. The bank can inform the user of the transfer and execute the transfer to the enterprise. The reason for the transfer after the transfer notice is that the user agrees to automatically transfer the charge at a specific time according to the prescribed conditions.

However, even when the automatic transfer date specified by the user's judgment comes, it sometimes happens that it is difficult to execute the automatic transfer on the date in the actual life. For example, the amount to be used for automatic transfer does not remain in the account, the deposit may be scheduled to be deposited a few days after the automatic transfer setting date, or the wrong automatic transfer may be registered.

Therefore, according to the conventional automatic transfer method, there is a problem that the user can not temporarily adjust the predetermined automatic transfer process unless the user changes the automatic transfer setting itself.

Korean Patent Publication No. 10-2015-0058951 Korean Patent Publication No. 10-2010-0117991

SUMMARY OF THE INVENTION The present invention is conceived to solve the above-described problems, and an object of the present invention is to provide a user with control over automatic transfer, whether or not the automatic transfer is to be executed before the automatic transfer is executed or whether or not the automatic transfer date is to be changed.

The above object of the present invention can be achieved by providing a system for providing a debit schedule management option for providing a debit schedule management option related to a debit execution schedule to a client terminal, Based on a user's approval, including a direct debit execution date determining unit for determining a debit execution date of the relevant account based on the determination result and a debit executing unit for executing debitting on the determined debit execution date .

According to a preferred feature of the present invention, the debit schedule management option may include one or more of approval, rejection, and automatic transfer date change on the predetermined automatic debit date.

According to another preferred aspect of the present invention, when the answer to the automatic transfer schedule management option is to change the automatic transfer date, the automatic transfer date determining unit may determine the changed automatic transfer date as the automatic transfer date.

According to another preferred aspect of the present invention, the automatic debit schedule management providing unit may further provide the client terminal with schedule information on the preset automatic debit date, the due date, and the changeable automatic debit date.

According to another preferred aspect of the present invention, the automatic debit schedule management providing unit further provides the estimated transfer amount information for the predetermined automatic transfer date or the changeable automatic transfer date, wherein when the changeable automatic transfer date is after the due date , The estimated transfer amount information may include late fee information.

According to another preferred aspect of the present invention, the automatic debit schedule management providing unit may provide the automatic debit schedule management option through a calendar-type user interface.

According to another preferred aspect of the present invention, when the changed automatic transfer date is after the delivery date, the automatic transfer execution unit may execute the automatic transfer including the late fee corresponding to the changed automatic transfer date.

According to another preferred aspect of the present invention, the automatic payment schedule management option providing unit may provide the automatic terminal transfer billing information for the predetermined period to the client terminal.

According to another preferred aspect of the present invention, the automatic debit schedule management providing unit may provide the client terminal with a debit schedule management option for a plurality of automatic debit events whose predetermined automatic debit date or delivery date belongs to a predetermined period of time have.

According to another preferred aspect of the present invention, the automatic debit execution date determination unit may determine the predetermined automatic debit date as the debit execution date if there is no response regarding the debit schedule management option.

According to another preferred aspect of the present invention, when the response to the automatic transfer schedule management option is related to the automatic transfer date change, the user authentication performing unit may further include a user authentication performing unit for performing the user authentication before the automatic transfer date execution date determination .

According to another preferred aspect of the present invention, the debit schedule management option may further include a debit or debit change.

According to another preferred aspect of the present invention, when the automatic transfer date changed by the automatic transfer date determining unit is different from the preset automatic transfer date, the automatic transfer schedule managing unit provides the changed automatic transfer date as the next automatic transfer date The client terminal may request the client terminal to give an instruction as to whether or not the client terminal should be able to access the client terminal.

According to another aspect of the present invention, there is provided a method for providing an automatic transfer function, comprising the steps of: providing an automatic transfer schedule management option for a schedule of automatic transfer to a client terminal; The method comprising: a step of determining a date of execution of the automatic transfer according to the response, and a step of executing the automatic transfer according to the determined automatic transfer date; Lt; / RTI >

According to a preferred feature of the present invention, the debit schedule management option may include one or more of approval, rejection, and automatic transfer date change on the predetermined automatic debit date.

According to another preferred aspect of the present invention, when the response to the automatic transfer schedule management option is to change the automatic transfer date, the automatic transfer date determination step may determine the changed automatic transfer date as the automatic transfer date.

According to another preferred aspect of the present invention, the step of providing the automatic transfer schedule management option may further provide the client terminal with schedule information on the preset automatic transfer date, the due date and the changeable automatic transfer date.

According to another preferred aspect of the present invention, the step of providing the automatic transfer schedule management option further provides the estimated transfer amount information for the predetermined automatic transfer date or the changeable automatic transfer date, wherein the changeable automatic transfer date is after the delivery date In this case, the transfer estimated amount information may include late fee information.

According to another preferred aspect of the present invention, the step of providing the automatic transfer schedule management option may provide the automatic transfer schedule management option through a calendar-type user interface.

According to another preferred feature of the present invention, in the automatic transfer execution step, when the changed automatic transfer date is after the delivery date, the automatic transfer can be executed including the late fee corresponding to the changed automatic transfer date.

According to another preferred aspect of the present invention, the step of providing the automatic transfer schedule management option may provide the client terminal with the automatic transfer amount billing information for the past predetermined period.

According to another preferred aspect of the present invention, the step of providing the debit schedule management option may include providing a debit schedule management option for a plurality of automatic debit events with a preset automatic debit date or a due date within a predetermined period .

According to another preferred aspect of the present invention, in the case where there is no response regarding the automatic transfer schedule management option, the automatic transfer date determination step may determine the predetermined automatic transfer date as the automatic transfer date.

According to another preferred aspect of the present invention, when the response to the debit schedule management option is related to the automatic debit date change, the user authentication step may further include a user authentication step of performing the user authentication before the automatic deferral date execution date determination.

According to another preferred feature of the present invention, the debit schedule management option may further include a debit or debit change.

According to another preferred aspect of the present invention, when the changed automatic transfer date differs from the preset automatic transfer date, the step of providing the automatic transfer schedule management option may include transmitting an instruction to set the changed automatic transfer date to the next automatic transfer date, And requesting the terminal.

According to the automatic transfer execution server and method based on the user approval according to the present invention, the user can arbitrarily manage his / her cash flow in real time. That is, by giving more control to the users on the automatic transfer, it is possible to preserve and maximize the user's cash-based operation.

In addition, according to the automatic transfer execution server and method based on the user approval according to the present invention, there is an advantage that problems such as fraud damage and double payment can be identified and prevented by using the approval of the user before executing the automatic transfer.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram showing an automatic transfer process according to a conventional method; FIG.
Figure 2 is a simplified representation of a debit authorization execution process based on a user's transfer authorization in accordance with an embodiment of the present invention;
3 is a block diagram illustrating a configuration of a debit execution server based on user approval according to an embodiment of the present invention;
4A and 4B are views showing an example of a client terminal displaying a debit alarm;
5 to 7 are diagrams illustrating exemplary states of a client terminal in which a deferral scheduling option for automatic deferral change is provided;
8 illustrates an example of a client terminal performing a user authentication procedure;
FIG. 9 is an example of a client terminal for confirming the change of the automatic transfer date to the user, and FIG. 10 is a diagram showing an example of a client terminal showing the automatic transfer date change history.
11 is a flowchart of a method of executing a direct debit based on user approval according to an embodiment of the present invention.
FIG. 12 is a flow chart for explaining a method of executing automatic transfer based on user approval according to another embodiment of the present invention; FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood, however, that the embodiments described below are only for explanation of the embodiments of the present invention so that those skilled in the art can easily carry out the invention, It does not mean anything. In describing various embodiments of the present invention, the same reference numerals are used for components having the same technical characteristics.

FIG. 2 is a view schematically illustrating a process of executing a transfer based on a transfer approval of a user according to an embodiment of the present invention. Referring to FIG. 2, the enterprise sends a bill to the user and requests a transfer to the bank. The bank sends a request to the user to approve the transfer of the transfer. The bank may then receive a response from the user to approve or defer the transfer. After receiving a user response, the bank can initiate a direct debit to the enterprise. The above method can give the user control over whether or not to execute the automatic transfer before executing the automatic transfer.

3 is a block diagram illustrating a configuration of a debit execution server based on user approval according to an embodiment of the present invention. Referring to FIG. 3, the automatic debit execution server 1000 may provide a debit schedule management option to the client terminal 2000 and receive a response thereto.

In one example, the automatic debit execution server 1000 may be a financial related server, such as a bank server, and may include any server capable of performing or directing debit transactions.

Client terminal 2000 may be, but is not limited to, a user terminal such as a smart phone, tablet, laptop, desktop, wearable device, and the like. The user can access the automatic debit execution server 1000 using the client terminal 2000 and use the above-described automatic debit schedule management option.

3, the automatic payment execution server 1000 based on the user authorization includes a debit schedule managing option providing unit 1100, a debit executing date determining unit 1200, and a debit executing unit 1300, And may further include a user authentication processing unit 1400.

The automatic debit schedule management option providing unit 1100 provides the client terminal 2000 with an automatic debit schedule management option relating to the schedule of automatic deferral execution. For example, the automatic transfer schedule scheduling option provider 1100 may provide a debit schedule management option before a predetermined period of time from a predetermined automatic transfer date (i.e., scheduled date of automatic transfer).

The debit schedule management option is for requesting the client terminal 2000 to make a decision on when to execute the debit (or not). The debit schedule management option may be provided to the client terminal 2000 through various interfaces. For example, a debit schedule option may be provided using a voice answering service. In this specification, a debit schedule management option through the display unit of the visual client terminal 2000 is described, but the present invention is not limited thereto.

Also, the response that can be received from the client terminal 2000 may include one or more of automatic payment acceptance, rejection, termination, and automatic transfer date change.

4A and 4B are views showing an example of a client terminal 2000 in which a debit alarm is displayed. Referring to FIG. 4A, a notification message 11 indicating the automatic transfer date, the automatic transfer details and the amount of the charge is displayed. Such a message may be provided as a push alarm.

In order to clarify the description, in the embodiments of the invention described with reference to FIGS. 4A and 4B and FIGS. 5 to 9, when the client terminal 2000 is provided with the automatic transfer scheduling option, 14 days (see reference numeral 20 in FIG. 4A), and the predetermined automatic transfer date is 15 days per month (that is, September 15 in September), and the September date of the communication fee is September 30, 2015.

The automatic debit schedule managing unit 1100 may provide the client terminal 2000 with an alarm message relating to the predetermined automatic debit as shown in FIG. 4A. In addition, the automatic debit schedule scheduling option provider 1100 may provide an automatic debit schedule option according to a user's command (e.g., selecting the 'view' portion) for the upper alarm message 11.

4B, the automatic debit schedule scheduling option providing unit 1100 provides an alarm message 12 for a plurality of automatic transfer cases in which a predetermined automatic transfer date or delivery date falls within a predetermined period, and an automatic transfer schedule Management options (user selectable items described with reference to FIGS. 5 to 7) to the client terminal 2000 together. Accordingly, the user can request and process the user option for a plurality of automatic transfer gates adjacent to or close to the delivery date at a time. For example, if you have the option of scheduling a debit schedule for five issues, two will accept the debit, one will refuse to be debited, and two will be deferred. In addition, one of the two delinquencies can be set to be overdue for two days, while the other one can be delayed for 20 days.

The debit schedule scheduling option provider 1100 may provide the debit schedule management option to the client terminal 2000 periodically or irregularly by a user's instruction at a specified time. For example, the automatic debit schedule scheduling option provider 1100 may provide a debit schedule management option to a client terminal a predetermined period before (for example, one day or one week before) a predetermined debit date, or may request a debit schedule management option So that the automatic transfer schedule management option can be provided to the client terminal. In this case, the latter might be when the user connects to the banking application and runs the debit schedule option.

5 to 7 illustrate exemplary states of a client terminal in which a deferral scheduling option for automatic deferral change is provided. Referring to FIG. 5, the client terminal 2000 may provide a debit management option for one or more debit items (100, 200, 300, 400). In this specification, the communication rate 100 among various automatic transfer items will be described as an example.

Referring to FIG. 5, the automatic transfer schedule management option may include an automatic transfer setting change unit 110 that determines whether to execute the preset automatic transfer without change or change the automatic transfer schedule. The automatic debit changing unit 110 includes a transfer acceptance unit 111 for maintaining the automatic transfer date so that the transfer is performed on the predetermined automatic transfer date and the automatic transfer date changing unit 112 for changing the automatic transfer date.

On the other hand, the automatic transfer schedule management option may further include a balance checking unit 113 for confirming the balance of the account, and an automatic transfer canceling unit 114 for canceling the automatic transfer, (Not shown).

The automatic payment schedule management option providing unit 1100 may further provide the client terminal 2000 with schedule information on a preset automatic transfer date, a due date and a changeable automatic transfer date. Referring to FIG. 5, a delivery date 140 and a preset automatic transfer date 150 are provided to the client terminal 2000. In addition, the bill money 120 and the average bill 130 for a predetermined period may be provided to the client terminal 2000 together.

In addition, the automatic debit schedule scheduling option provider 1100 may further provide the client terminal 2000 with the debit amount bill information 125 for the predetermined period. Referring to FIG. 5, the automatic payment scheduling option provider 1100 provides a graph of a charge amount from June to September. Although FIG. 5 shows the billing information for four months, this is only an example and billing information for a longer or shorter period can be provided.

6 and 7 are views showing an example of a user interface for changing the automatic transfer date. The user interface of Figs. 6 and 7 can be executed by the user selecting the automatic transfer date changing section 112 in Fig. Alternatively, the user interface 112a, 112b for automatic transfer date change shown in Figures 6 and 7 may be provided with other components in the area A of Figure 5.

FIG. 6 shows a user interface of the calendar type 112a for automatic transfer date change, and FIG. 7 shows a method 112b for directly selecting an example. Referring to FIG. 6, a user can select a specific date in a calendar-type user interface.

In the above-described user interface, it is possible to display the preset date, date of delivery, and changed automatic transfer setting first through color or symbol. For example, as shown in FIG. 6, the preset automatic payment setting date 21 and the changed automatic payment setting date 23 are displayed in a circle, and the delivery date 22 can be identified by displaying a square. The identification method is not limited to the drawings and the above description.

If a specific date is selected, the automatic debit schedule management option provider 1100 may provide the estimated amount of transfer information (debit amount) corresponding to the selected date. The estimated amount of transfer information may include the original bill 120, the estimated annual fee 170, and the total amount 180 (total direct debit amount).

Referring to FIG. 6, the modified automatic transfer date is September 30, which is five days later than the delivery date of September 25. Therefore, arrears may occur. Assume that the late fee is 500 won. The automatic payment schedule managing option provider 1100 may calculate the estimated amount of money transfer by adding a late payment fee (500 won) corresponding to the changed automatic transfer date (September 30) and provide the calculated transfer money amount to the client terminal 2000. If the user changes his / her automatic transfer date to be later than September 30, a late fee greater than $ 500 will apply.

The automatic payment schedule managing option providing unit 1100 may provide information on the existing automatic transfer setting date 150 and the changed automatic transfer date 160 in providing the user interface for changing the automatic transfer date.

The automatic decease execution date determiner 1200 can determine the automatic decease execution date of the corresponding period based on the response regarding the automatic de-assignment schedule management option received from the client terminal 2000. [ The above response means a user command through the client terminal 2000. For example, when the user changes the automatic transfer date set for September 15 to September 30, the automatic transfer date determining unit 1200 can change the automatic transfer execution date to September 30.

However, such automatic transfer date change may be one-time. For example, the September automatic transfer date has been changed to 30 days, but the October automatic transfer date may still be set to 15 days.

On the other hand, when there is no response regarding the automatic transfer schedule management option, the automatic transfer date determiner 1200 can determine the predetermined automatic transfer date as the automatic transfer date. That is, when the user does not respond to the provided automatic transfer option, the automatic transfer can be executed on the previously set automatic transfer date, which can be regarded as implied agreement to maintain the existing automatic transfer date.

The automatic transfer execution unit 1300 can execute the automatic transfer at the automatic transfer execution date determined by the automatic transfer execution date determination unit 1200. [ The amount of the direct debit for which the direct debit is executed may include a bill and a late fee. For example, if the user's response to the automatic transfer schedule management option is the automatic transfer date change, and the changed automatic transfer date is after the delivery date, the automatic transfer execution unit 1300 can execute the automatic transfer including the late fee corresponding to the changed automatic transfer date .

8 is a diagram illustrating an example of a client terminal performing a user authentication procedure. As another embodiment of the present invention, the automatic payment execution server 1000 based on user approval may further include a user authentication performing unit 1400. The user authentication performing unit 1400 can perform the user authentication before the determination of the automatic transfer date execution day if the answer to the automatic transfer schedule management option is related to the automatic transfer date change.

FIG. 9 shows an example of a client terminal for confirming the change of the automatic transfer date to the user, and FIG. 10 shows an example of a client terminal showing the change date of the automatic transfer date. Referring to FIG. 9, the debit schedule scheduling option providing unit 1100 may again provide the user with the changes before the automatic transfer date change is finally completed.

Also, after the automatic transfer date change is completed, the automatic transfer schedule schedule option providing unit 1100 provides detailed confirmation options so that the latest automatic transfer date and the contents changed so far can be confirmed as shown in FIG. 10 can do.

If the automatic transfer date changed by the automatic transfer date determining unit 1200 differs from the preset automatic transfer date, the automatic transfer schedule managing option providing unit 1100 determines whether the changed automatic transfer date is set as the next automatic transfer date And may request the client terminal 2000 for an instruction. For example, when the user intends to fix the automatic transfer of the communication cost to 30 days every month, the user sets the changed automatic transfer date as the next automatic transfer date, and may not repeat the same change procedure thereafter.

11 is a flowchart of a method of executing a debit based on user approval according to an embodiment of the present invention. Referring to FIG. 11, a method of executing a direct debit based on user approval includes a step (S110) of providing an automatic debit schedule option for providing a debit schedule option for a debit schedule to a client terminal, (S120) of determining a date of execution of the automatic transfer according to a response to the automatic transfer schedule management option (S120), an automatic transfer execution step (S130) of executing automatic transfer at the determined execution date of the automatic transfer, .

The debit schedule management option may include one or more of approval, rejection, and automatic transfer date change on a preset automatic transfer date, and may further include a debit or debit change.

If the answer to the automatic transfer schedule management option is to change the automatic transfer date, the automatic transfer date determination step (S120) may determine the changed automatic transfer date as the date of execution of the automatic transfer function.

The automatic transfer schedule management option providing step (S110) may further provide the client terminal (2000) with schedule information on a previously set automatic transfer date, a due date and a changeable automatic transfer date.

The step S100 of providing the debit schedule management option may further provide the estimated amount of money transfer information for the preset debit or changeable debit date. If the changeable automatic transfer date is after the due date, the transfer estimate information may include late payment information.

On the other hand, the step of providing the automatic transfer schedule management option (S110) may provide the automatic transfer schedule management option through a calendar-type user interface.

If the changed automatic transfer date is after the delivery date, the automatic transfer execution step (S130) can execute the automatic transfer including the late fee corresponding to the changed automatic transfer date.

The automatic transfer schedule management option providing step (S110) may provide the client terminal with the automatic transfer amount billing information for the predetermined period.

In addition, the step of providing a debit schedule management option (S110) may provide a debit schedule management option for a plurality of automatic debit combinations with a predetermined debit date or a due date within a predetermined period to the client terminal 2000 together.

On the other hand, in the case where there is no response regarding the automatic transfer schedule management option, the automatic transfer date determination step (S120) may determine the predetermined automatic transfer date as the automatic transfer date. In addition, the method of executing the automatic transfer based on the user authentication may further include a step of authenticating the user to perform the user authentication before the determination of the automatic transfer day, if the response to the automatic transfer schedule management option is related to the automatic transfer date change.

If the changed automatic transfer date differs from the previously set automatic transfer date, the step of providing the automatic transfer schedule management option (S110) may request the client terminal 2000 to give an instruction as to whether to set the changed automatic transfer date to the next automatic transfer date May be further included.

The computer-readable recording medium according to the embodiment of the present invention may store a program for executing the automatic transfer execution method based on the above-described user approval.

FIG. 12 is a flowchart illustrating a method of executing automatic transfer based on user approval according to another embodiment of the present invention. Referring to FIG. 12, the server provides an automatic transfer schedule management option to the client terminal (S210). The debit schedule options may be provided on a predetermined date, or may be provided a predetermined period before the automatic debit date. Such a debit schedule management option may be delivered to the client terminal as a pop-up or text message.

In response to this automatic transfer schedule management option, it is checked whether a user response has been received (S220). If a user response is not received, a predetermined automatic transfer date is determined as a date of execution of a debit transfer (S225). That is, the existing automatic transfer setting is maintained.

When a user response is received from the client terminal, the server determines whether the user response includes automatic transfer date change (S230). If the user response does not include the automatic transfer date change, the flow advances to step S225. If the user response does not include automatic transfer date change, the user response may include 'ignore' or 'keep automatic transfer date'. On the other hand, if the user response is rejection of the automatic transfer, the execution date of the automatic transfer is not determined and the automatic transfer may not be executed.

If the user response received from the client terminal includes the automatic transfer date change, the changed automatic transfer date can be determined as the automatic transfer date (S240). Also, if the changed automatic transfer date is later than the due date and the late fee is incurred, the late fee information may be calculated and provided to the user.

Thereafter, the automatic transfer can be executed on the changed automatic transfer date (S250). The amount of the direct debit includes the amount of the claim, and if arrears are incurred, the arrears may be further included.

The embodiments of the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program commands, data files, data structures, and the like, alone or in combination. The program instructions recorded on the computer-readable recording medium may be ones that are specially designed and configured for the present invention and are known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tape, optical recording media such as CD-ROMs and DVDs, magneto-optical media such as floptical disks, media), and hardware devices specifically configured to store and execute program instructions such as ROM, RAM < flash memory, and the like. Examples of program instructions include machine language code such as those generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter or the like. The hardware device may be configured to operate as one or more software modules for performing the processing according to the present invention, and vice versa.

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 exemplary embodiments.

1000: Debit Execution Server
1100: Automatic transfer schedule scheduling option
1200: The date of execution of the direct debit execution
1300:
1400: User authentication processing unit
2000: client terminal
100 - 400: Automatic transfer items
110: Debit change section
111:
112: Automatic transfer date changing section
112a, 112b: automatic transfer date change user interface
113: balance confirmation unit
114: Automatic Debit Cancellation
120: Billing Fee
130: Average amount charged for a predetermined period
140: due date
150: Date to set up debit
160: Changed automatic transfer date
170: Estimated late fee
180: Total debit amount

Claims (10)

Providing a debit schedule management option for providing a debit schedule management option for a schedule of debit execution of at least one or more debit cards to a client terminal;
An automatic transfer date determining unit for determining a date of execution of the automatic transfer based on a response regarding the automatic transfer schedule management option received from the client terminal; And
And a deferral execution unit for executing deferral on the determined deferral execution day,
Wherein the automatic transfer schedule management option includes at least one of approval, rejection, and automatic transfer date change on a predetermined automatic transfer date for each automatic transfer number,
Wherein the automatic transfer schedule scheduling option providing unit provides scheduling information on a preset automatic transfer date, a due date and a changeable automatic transfer date, and a transfer preset amount information for a preset automatic transfer date or a changeable automatic transfer date, If the transfer date is after the due date, the transfer estimated amount information includes the late fee information,
Wherein the automatic deferral execution date determination unit determines that the automatic deferral date is a deferred automatic deferment date only when the automatic transfer date is changed in response to the automatic deferral schedule management option, Maintains the preset automatic transfer date,
Wherein the automatic transfer execution unit executes automatic transfer including a late fee corresponding to the changed automatic transfer date when the changed automatic transfer date is after the due date. Claim 1
Wherein the automatic payment schedule management providing unit provides the automatic payment schedule management option through a calendar-type user interface. The method according to claim 1,
Wherein the automatic transfer schedule managing unit provides the automatic transfer amount billing information for the predetermined period to the client terminal. The method according to claim 1,
Wherein the automatic transfer schedule scheduling option providing unit provides the client terminal with the automatic transfer schedule management option for a plurality of automatic transfer dates in which a preset automatic transfer date or a due date falls within a predetermined period, server. The method according to claim 1,
Wherein the automatic transfer execution date determination unit determines the predetermined automatic transfer date as a date of execution of the automatic transfer if there is no response regarding the automatic transfer schedule management option. A method for executing a direct debit using a debit execution server based on a user approval,
Providing a debit schedule management option for providing a debit schedule management option related to a debit execution schedule of at least one or more automatic debit events to a client terminal;
Determining a date of execution of the automatic transfer according to a response to the automatic transfer schedule management option received from the client terminal; And
The automatic debit execution server executes automatic debit execution on the determined automatic debit execution day,
Wherein the automatic transfer schedule management option includes at least one of approval, rejection, and automatic transfer date change on a predetermined automatic transfer date for each automatic transfer number,
Wherein the step of providing the direct debit schedule management option further provides schedule information on a previously set automatic transfer date, a due date and a changeable automatic transfer date, and a transfer preset amount information for a preset automatic transfer date or a changeable automatic transfer date, If the possible automatic transfer date is after the due date, the transfer estimated amount information includes the late fee information,
Wherein the automatic transfer date determination step determines that the automatic transfer date is the automatic transfer date only if the response to the automatic transfer schedule management option changes the automatic transfer date, Is maintained as a preset automatic transfer date,
Wherein the automatic transfer execution step executes automatic transfer including a late fee corresponding to the changed automatic transfer date if the changed automatic transfer date is after the delivery date. Claim 6
Wherein the step of providing the automatic transfer schedule management option provides the automatic transfer schedule management option through a calendar-type user interface. The method of claim 6,
Wherein the step of providing the automatic transfer schedule management option provides the client terminal with the automatic transfer amount billing information for the past predetermined period. The method of claim 6,
Wherein the automatic transfer execution date determination step determines the predetermined automatic transfer date as a date of execution of the automatic transfer function when there is no response to the automatic transfer schedule management option. A computer-readable recording medium storing a program for executing the method according to any one of claims 6 to 9.

Images