KR20180112634A - Apparatus and method for financial services, and computer program and recording medium applied to the same - Google Patents

Abstract

Disclosed are a method and a device to provide a financial service and a computer program and a recording medium applied to the same. According to the present invention, the device to provide a financial service includes: a step of enabling a user device to transmit remittance transaction information through a communication network or receive collection transaction information through the communication network or another communication network; and a step of specifying transactions including the remittance transaction information or collection transaction information, thereby classifying transaction targets as deposit targets, deposit and withdrawal exception targets, and withdrawal targets by electronically calculating the specified transactions at the end of each cycle, and then, receiving a result of depositing or withdrawing an actual calculated amount corresponding to each of the targets through an account transfer service or receiving information about schedules of the deposit or withdrawal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial service providing method and apparatus, and a computer program and a recording medium,

The present invention relates to a financial service providing method and apparatus, a computer program and a recording medium applied thereto, and more particularly, to a financial service providing method and apparatus for facilitating transactions and convenience of users, and a computer program And a recording medium.

Typically, financial services involve several steps in managing money, including credit cooperatives, banks, credit card companies, insurance companies, accounting firms, consumer finance companies, securities brokers, investment funds, real estate funds, It is a service provided by the financial industry.

These financial services, combined with IT, have evolved into electronic financial transactions. "Electronic Financial Transactions" means that financial institutions or electronic financiers provide financial products and services through electronic devices, and that users do not face or communicate directly with employees of financial institutions or electronic financiers, Refers to the transaction that is used.

Examples of transactions carried out by electronic financial transactions include electronic funds transfer and credit card payment.

Electronic funds transfer refers to the transfer of funds from an account established in a financial institution or an electronic financial provider to another account for the purpose of providing funds between the payment agent and the recipient by electronic means, The financial institution or the electronic financial institution executes electronic funds transfer. Here, the electronic device refers to a device used for transmitting or processing electronic financial transaction information in an electronic manner, such as a cash dispenser, a payment terminal, a computer, a telephone, and the like.

Such electronic funds transfer is for the purpose of providing funds between the payment provider and the recipient, and is a structure in which funds are transferred from the account to another account for each transaction between the payment provider and the recipient. As a result of this, as the bank charges for the account transfer occur, the user must be billed to the user or the electronic financial institution must accept the payment. In the case of charging the user, the competitiveness of the electronic money transfer service for the third party service that is provided with the free fee is reduced, and when the electronic finance dealer is discounted, the cost burden increases as the number of users to be used and the number of transfer times increase.

On the other hand, a credit card transaction refers to a credit transaction in which the customer receives goods or services first and then automatically redeems the value from the customer's savings account. For example, if the payment date is 30 days per month, the customer receives the goods or services first, specifies the value to be paid on postpay, and pays the payment on the 30th day of settlement. The values corresponding to the plurality of transactions are accumulated and charged and paid on the 30th settlement day.

Such a credit card transaction is specified only for the transaction in which the goods or service are received first and the corresponding value is withdrawn from the customer's deposit account. Therefore, in order to support the transaction in which the customer's deposit account is deposited due to an arbitrary transaction It is not appropriate. That is, a credit card transaction is a type of transaction specific to the payment of a commodity or service, and can only support one-way transaction of the transaction site. The payment to the customer's savings account is made directly to the actual transfer of funds, and the credit card transaction is to be withdrawn by the time the goods or services are first received on a specified day of the month.

Therefore, a party who is a customer who receives goods or services first in a credit card transaction must make the settlement to pay the amount to be withdrawn from the deposit account on a particular day each month. After checking the balance in the deposit account, the above party should keep the credit balance if the balance is sufficient, and if the balance of the deposit account is insufficient, transfer the funds of the other account to the deposit account for credit card settlement . In other words, the above party shall incur inconvenience to settle the settlement of accounts on the basis of credit card settlement date or deposit account in consideration of whether the deposit is due or not, and to pay the total amount of the goods or services As a result, my credit card usage control has been somewhat vague, and there has been a burden on the amount paid in gross amount.

In the case of a credit card transaction, a credit card transaction fee shall be charged for each transaction in which a product or service is provided, and the deposit of actual funds shall be made on a specific day every month As a result, they are worried about the money turnover rate. Businesses that provide goods or services often have to pay fees to other providers for the duration of their business before the payment of the goods or services is deposited. Most of them are cash transfers, and in this case, unless business funds are available Even if the turnover rate of the funds is getting worse and the cost to pay to other operators is also credit card transactions, the employer must settle the cost for various transactions every credit card settlement day every month. In addition, even when a business operator uses a credit card transaction in exchange for a product or service to another business entity, a credit card fee may be incurred.

In the case where the electronic financier is a small-sized trader and does not have a small amount of business start-up, it is essential to establish an alliance with a bank or a credit card company when conducting an electronic remittance transaction, an online settlement or an offline settlement business. Many partnerships with many kinds of banks can attract many users. Similarly, credit card companies need to cooperate with many card companies to gain competitiveness to attract many users. In other words, if a small electronic bank can not establish a partnership with a bank or a credit card company, the business start itself becomes unclear.

It is time to take measures to solve various problems described above.

Korean Registered Patent No. 10-1489755 (Feb.

Accordingly, the present invention has been made to solve the above problems, and an object of the present invention is to provide a financial service providing method and apparatus for minimizing a bank fee required for executing an electronic account transfer, Media.

Another object of the present invention is to provide a financial service providing method and apparatus for solving the inconvenience of a customer using a credit card transaction based on one way payment settlement of a consumption pattern, a financial service providing method for minimizing a credit card fee, And a recording medium.

Another object of the present invention is to provide a financial service providing method capable of supporting independent electronic financial service commencement even when a small electronic financial service provider does not have a business partnership with other financial service providers (for example, a bank, a credit card company, etc.) And apparatus, and a computer program and a recording medium applied thereto.

The objects of the present invention are not limited to the above-mentioned problems, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

According to a first aspect of the present invention, there is provided a method for providing a financial service, the method comprising: transmitting remittance transaction information through a communication network, receiving collection transaction information through the communication network or another communication network, As a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each period are electronically settled and classified according to the persons to be traded, Receiving the result of the settlement funds being deposited or withdrawn in the account transfer method at the end of the period, or receiving the information on the deposit or the withdrawal schedule.

The remittance transaction information is generated by an electronic remittance transaction, an online settlement transaction or an offline settlement transaction, and includes a remittance transaction amount and a remittance transaction object, and the remittance transaction information includes at least one of an electronic remittance transaction, It is generated by the transaction and may include the collection transaction amount and the collection transaction object.

The remittance transaction information is information for confirming the receipt details of the transaction, and may further include authentication information for authenticating that the transaction is valid.

The remittance transaction information may be stored in the user device as the remittance processed remittance information after the completion of the transmission process or may be mailed to a predetermined mail account after being processed in the communication network and stored in the user device And the collection transaction information may be stored in the user device as the receipt information processed after reception or may be mailed to a predetermined mail account via the communication network or the other communication network, And may be stored in the user device and transmitted together with the mail.

A settlement process to be performed at the end of the period, a deposit process to an account of a person to be deposited specified at the end of the period, and a payment process The withdrawal processing according to the automatic transfer system can be executed by a computer system specified as a single electronic financial institution.

According to a second aspect of the present invention, there is provided a user apparatus comprising a memory and at least one processor, wherein the processor transmits remittance transaction information via a communication network, The transactions that are specified at the end of each cycle are electronically settled and classified according to the transaction subjects as a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified , Receives the actual settlement funds corresponding to each of the classified persons to be deposited or withdrawn in the account transfer method at the end of the period, or receives the information on the deposit or the withdrawal schedule.

According to a third aspect of the present invention, there is provided a computer program for transmitting remittance transaction information through a communication network in combination with a user apparatus, or receiving collection transaction information through the communication network or another communication network And a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each cycle are electronically settled and classified according to the transaction subjects, The actual settlement funds are stored in the recording medium to execute the steps of receiving the result of the deposit or withdrawal processing in the account transfer method at the end of the period or receiving the payment or the guidance on the payment schedule.

A computer readable recording medium according to a fourth aspect of the present invention for achieving the above object is a computer readable recording medium for transferring remittance transaction information through a communication network when executed by a user apparatus, And a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each cycle are electronically settled and classified according to the transaction subjects, And executing a step of receiving a result of the actual settlement funds corresponding to each object being deposited or withdrawn by the account transfer method at the end of the period, or receiving the information on the deposit or the withdrawal schedule.

Therefore, in the present invention, there is an advantage that the bank commission required to execute the electronic account transfer can be minimized.

Further, in the present invention, there is an advantage that the inconvenience of the customer using the credit card transaction based on the one-way settlement of the consumption pattern can be solved and the credit card fee can be minimized.

In the present invention, there is an advantage that a small-sized electronic financial service provider can support independent electronic financial service start-up without having to form a business partnership with other financial service providers (for example, banks, credit card companies, etc.).

The effects of the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the description of the claims.

1 is a configuration diagram illustrating a financial service structure according to an embodiment of the present invention.
2 is a block diagram illustrating a user apparatus according to an embodiment of the present invention.
3 is a block diagram showing an example of a linkage structure between an electronic financial service provider system of the present invention and at least one other electronic financial service provider system.
4 is a flowchart illustrating an operation procedure of a user apparatus according to an exemplary embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art. To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

Further, the embodiments described herein will be described with reference to cross-sectional views and / or schematic drawings that are ideal illustrations of the present invention. Thus, the shape of the illustrations may be modified by manufacturing techniques and / or tolerances. In addition, in the drawings of the present invention, each component may be somewhat enlarged or reduced in view of convenience of explanation.

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

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and apparatus for providing an electronic financial transaction and a financial service for providing convenience to a user, and a computer program and a recording medium applied thereto.

It is an object of the present invention to minimize the bank fee required to execute the electronic account transfer, minimize the inconvenience of the customer using the credit card transaction based on one-way payment settlement of the consumption pattern and minimize the credit card fee , And supporting small electronic financial institutions to start independent electronic financial services without business partnerships with other financial services firms (eg banks, credit card companies, etc.). The bank fees and credit card fees described above are examples of commissions provided to other electronic financial carrier systems that are associated with an electronic banking system and are not limited to banking fees and credit card fees.

FIG. 1 is a configuration diagram illustrating a financial service structure according to an embodiment of the present invention, and FIG. 2 is a configuration diagram illustrating a user apparatus according to an embodiment of the present invention.

The financial services architecture of the present invention includes an electronic financial services provider system 100 and at least one user equipment 200. Here, a plurality of user devices 200 (including a first user device, a second user device, and an Nth user device) cooperating with the electronic financial carrier system 100 may be a single user device 200) as an example.

User device 200 includes memory 210 and at least one processor 220 and may be various types of devices such as a phone, a computer, and the like. In addition, the user device 200 may exist in an independent form, or may exist as a dependent form embedded in another structure or other device.

The user device 200 may transfer remittance transaction information to the electronic financial service provider system 100 through a communication network or receive collection transaction information from the electronic financial service provider system 100 through a communication network or another communication network. Here, the information transmission / reception between the user device 200 and the electronic financial service provider system 100 may be structured to transmit data directly to each other at the start and end of a network, or to exchange data with each other via different paths for various reasons .

Also, as a number of transactions including the remittance transaction information or collection transaction information generated in a predetermined period are specified, the user device 200 electronically sets the transactions specified at the end of each period, The object to be excluded and the object to be withdrawn, and the actual settlement funds corresponding to each of the separated objects can receive the result of the deposit or withdrawal processing by the account transfer method at the end of the period, or receive the information on the payment or withdrawal schedule .

The remittance transaction information is generated by an electronic remittance transaction, an online settlement transaction or an offline settlement transaction, and includes a remittance transaction amount and a remittance transaction object.

Collection transaction information is generated by an electronic remittance transaction, an online settlement transaction or an offline settlement transaction, and includes a collecting transaction amount and a collecting transaction amount.

For example, if the user A transfers the 10,000 won to the user B through the electronic money transfer transaction to the user B through the user device 200, the remittance transaction information includes the money transfer transaction of 10,000 won and the remittance transaction B And the remittance transaction information is transmitted to the electronic financial institution system 100. [

Conversely, when another user B transfers money of 30,000 won through an electronic money transfer transaction, the user device 200 of A receives collection transaction information including a collection transaction amount of 30,000 won and a collecting transaction object B do.

The electronic financial service provider system 100 not only records and manages logs of respective transactions but also supports the remittance transaction information and the collection transaction information to be stored in the respective user devices 200 so as to be utilized as receipts.

Furthermore, it is also possible to allow each user to secure his / her receipts through independent means as well as securing receipts based on a system that is interlocked between the electronic financial institution system 100 and each of the user devices 200 . Here, as the independent means mentioned above, it is possible to transmit the transaction details as mail sending through a preset mail account.

In addition, when both of the above-mentioned transactions are generated, the electronic financial institution system 100 can perform the settlement processing based on the collection of the generated transactions, and guide the corresponding users to the settlement processing. The settlement here is a settlement based on virtual funds, and it can be said that the settlement of real funds does not yet take place. In other words, the user A is informed that the user device 200 of the user A has a record of collecting 20,000 won from the B because the 10,000-won record electronically remitted to the user B and the 30,000- May be provided.

On the other hand, since the total amount of transactions generated by the user B is 10,000 won and the amount of 30,000 won transmitted electronically by the user A is the total generated transactions, the user device 200 of the user B receives the information message May be provided.

If the predetermined period is the last day of each month and the total transaction between the users A and B is specified by the above transactions by the end of the month, the electronic financial institution system 100 specifies the above transactions at the end of each cycle, The user A is distinguished as a person to be deposited in the electronic financial service provider system 100 and the user B in the electronic financial service provider system 100 as an object to be withdrawn.

Thereafter, the electronic financial institution system 100 proceeds the withdrawal process according to the automatic transfer method from the account of the user B divided into the withdrawal object person. Here, the automatic transfer method is based on an automatic payment in accordance with a contract previously executed between the user B and the electronic financial service provider of the electronic financial service provider system 100. Automatic payment between the user B and the electronic financial service provider can be executed by registering with an electronic financial service provider system (for example, a bank) that manages the account of the user B to be automatically paid.

Thereafter, the electronic financial service provider system 100 proceeds the deposit process to the account of the user A classified as the person to be deposited. Here, the account of the user A is obtained through the membership of the user A and the completion of the contract for using the electronic financial institution system 100 described above.

The person to be deposited may be subject to non-membership. When the person to be deposited is a non-member, the electronic financial institution system 100 preserves the amount to be deposited, and after the person to be deposited returns the account information only, becomes a permanent member through membership, or the like, The amount can be deposited.

The users A and B described above are only examples, and can be extended to a relationship between a user and a user, a user and a business, a business, and a business operator.

The electronic financial service provider system 100 may be a computerized system that is specified as a single electronic financial service provider. The electronic financial service provider system 100 may be a computer system that is specified by a mediation process for transactions for a predetermined period, a settlement process performed at the end of the cycle, It is possible to execute the withdrawal process in accordance with the automatic transfer method preset from the account of the withdrawal person specified at the transfer process and the end of the cycle in the account of the person to be deposited.

Further, each time the electronic financial institution system 100 performs mediation processing for each transaction, the electronic financial institution system 100 performs preliminary settlement according to the movement of the virtual funds, guides each user to the result of the preliminary settlement, It is also possible to support the intuitive grasp of the situation.

The remittance transaction information may be information for confirming the receipt details of the transaction, and may further include authentication information for authenticating that the transaction is valid.

At this time, the authentication processing between the electronic financial service provider system 100 and the user device 200 is performed in accordance with Korean Patent No. 10-1659234, PCT / KR2016 / 008296, Korean Patent Application No.2016-0105783, Korean Patent Application No.2015-0130316, Korean Patent Application No. 20115-0130338, and Korean Patent Application No. 20116-0093978.

Some examples of financial services that can be executed between the electronic financial service provider system 100 and the user device 200 will be described based on the above-described configurations.

Example 1) In the dialogue box of the messenger, if there are a number of other users who are conversation partners or a plurality of conversation partners, remittance processing is possible to another user who is a specific conversation partner. As an example of the process that can be performed, when the user inputs '10, 000' in the input window of text, number, etc. provided in the dialog box after the user makes a mutual conversation in the dialog window, Transfer 'button can be activated. At this time, when the user touches or clicks the 'transfer' button, the transfer details information including the authentication information according to the above-described patent technology is transferred from the user device 200 to the electronic financial service provider system 100, When the authentication processing is completed in the financial institution system 100, the processing of the remittance details information is completed and the details of the remittance processing can be guided to the dialog window. Separately, it is also possible to send the receipt details to each subscriber in the chat window with a preset mail account.

Example 2) It is applicable to online settlement. In a case where the user selects a settlement provided by the electronic financial service provider system 100 for payment of a specific commodity at the online K shopping mall (specifying the user apparatus 200 through the input of the telephone number of the user apparatus 200 When the user touches the approval, the transfer history information including the authentication information of the above-described patent technology is transferred to the electronic device 200 of the user After the transfer to the financial institution system 100, settlement can be completed through authentication of the electronic financial institution system 100. At this time, in the messenger provided by the electronic financial service provider system 100, the above-mentioned payment details in the dialogue between the online K shopping mall and the user are left, and the user can utilize the receipt details thereof. In addition, it is also possible to send out related receipt details with a mail account preset in correspondence with the user.

Example 3) It is applicable to offline settlement. In the electronic financial service provider system 100, a first off-line payment support program (for example, an application for a business operator) for providing to an offline business entity and a second offline payment support program (for example, an application for a user) can do. The first off-line payment support program described above is installed in a business apparatus (e.g., a computer or the like) in one of the off-line stores, and the customer using the store (the second offline payment support program is connected to the user apparatus 200 of the user) Installed state) is to be paid by the payment method provided by the electronic financial service provider system 100, payment support between them is possible.

Progressive Processes For example, if a user who is a customer in an offline store wants to purchase a product of 5,000 won, the business of the offline store can input 5,000 won and the telephone number of the purchaser on the first offline payment support program . Then, the business apparatus (e.g., computer) having the first off-line payment support program transmits settlement request information including the authentication information based on the patent technology described above to the electronic financial institution system 100, The user device 200 of the purchasing customer (e.g., a phone) is prompted to approve the payment of 5,000 won (KRW) to the purchasing customer if the authentication processing for the provided authentication information is completed and approval of a valid transaction requested from a valid business branch is lost. When the purchaser touches the approval, the user terminal 200 with the second offline payment support program transmits the remittance transaction information including the authentication information based on the above-described patent technology to the electronic financial carrier system 100. After that, the electronic financial service provider system 100 completes the transaction through the authentication process, and provides a transaction completion message to the business apparatus of the business entity of each party and the user device 200 of the customer.

The transaction complete message here may also be left in a dialog box that is activated between the provider of the offline store in the messenger provided by the electronic financial service provider system 100 and the customer and a mail containing the receipt details is separately sent to each mail account of the provider and the customer .

FIG. 3 is a block diagram showing an example of a linkage structure between the electronic financial service provider system 100 of the present invention and at least one other electronic financial service provider system 300.

The financial services described above may proceed between the electronic financial carrier system 100 and the user device 200. Here, the user device 200 may include not only a device used by a user but also a device used by a provider providing goods and services to the user.

The first financial institution system (e.g., the first bank 100), the second other electronic financial institution system (e.g., the second bank) and the Nth electronic financial institution system (e.g., the Nth bank) shown in FIG. 3 It is not a system that directly participates in the aforementioned financial services. That is, when the electronic financial service provider system 100 is a system for managing the deposit account when depositing money into a user account, or when the electronic financial service provider system 100 is withdrawing money from a user account, And the like. At this time, the withdrawal account refers to an account in which automatic payment registration is completed based on a pre-contract between the electronic financial service provider system 100 and the user.

4 is a flowchart illustrating an operation process of the user apparatus 200 according to an embodiment of the present invention.

4, the user device 200 may transmit remittance transaction information through a communication network or receive collection transaction information through a communication network or another communication network after a desired financial service is activated by the user S100 to S102).

Thereafter, when a plurality of transactions including remittance transaction information or collection transaction information generated in a predetermined period are specified, when the end of each period comes, the user device 200 determines that the transactions specified at the end of the period are electronic settlement And the actual settlement funds corresponding to each of the classified subjects are received or received by the account transfer method at the end of the cycle, (S104 to S106).

In step S106, when the user device 200 receives the guidance on the deposit or withdrawal schedule, it is possible to complete the predetermined deposit or withdrawal through the user approval based on the above-described patent technology.

If there is a request from the user device 200 to stop using the financial service, the financial service procedure may be terminated (S108).

Each of the foregoing steps may be embodied as a computer program stored on a recording medium in combination with a user device 200 or a computer readable medium having instructions for executing the steps described above when executed by the user device 200 Lt; / RTI >

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It will be understood. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

In addition, the present invention is intended to provide a method and apparatus for providing a financial service for providing transaction convenience and convenience of users, and a computer program and a recording medium applied thereto, so that the possibility of commercialization or sales is sufficient, This is an invention that is industrially applicable because it is practicable.

100: Electronic financial carrier system 200: User equipment
210: memory 220: processor
300: Other electronic financial institution system

Claims (8)

Transmitting remittance transaction information through a communication network or receiving collection transaction information through the communication network or another communication network; And
As a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each period are electronically settled and classified according to the transaction subjects, Receiving a result that the actual settlement funds have been deposited or withdrawn by the account transfer method at the end of the period, or receiving guidance on the deposit or the withdrawal schedule. The method according to claim 1,
The remittance transaction information is generated by an electronic remittance transaction, an online settlement transaction or an offline settlement transaction and includes a remittance transaction amount and a remittance transaction object,
Wherein the collection transaction information is generated by the electronic remittance transaction, the online payment transaction, or the offline payment transaction, and includes a collecting transaction amount and a collecting transaction object. 3. The method according to claim 1 or 2,
Wherein the remittance transaction information is information capable of confirming the receipt details of the transaction, and further comprising authentication information for authenticating a valid transaction. The method of claim 3,
The remittance transaction information may be stored in the user device as the remittance processed remittance information after the completion of the transmission process or may be mailed to a predetermined mail account after being processed in the communication network and stored in the user device It may be sent together as an email,
Wherein the collecting transaction information is stored in the user device as the receipt information processed as received or is mailed to a predetermined mail account via the communication network or the other communication network and stored in the user device according to a service policy, A method of providing financial services that can be sent together by mail. The method according to claim 1,
A settlement process to be performed at the end of the period, a deposit process to an account of a person to be deposited specified at the end of the period, and a payment process Wherein the withdrawal processing according to the automatic transfer system is executed by a computer system specified as a single electronic financial institution. Memory; And
At least one processor,
The processor comprising:
Transmitting remittance transaction information through a communication network, receiving collection transaction information through the communication network or another communication network,
As a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each period are electronically settled and classified according to the transaction subjects, Wherein the actual settlement funds receive the result of the deposit or withdrawal processing by the account transfer method at the end of the period, or receive the information on the deposit or the withdrawal schedule. Transmitting the remittance transaction information through the communication network in combination with the user apparatus, or receiving the collection transaction information through the communication network or another communication network; And
As a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each period are electronically settled and classified according to the transaction subjects, And a step of receiving the result that the actual settlement funds have been deposited or withdrawn by the account transfer method at the end of the period, or receiving the information on the deposit or the withdrawal schedule. Transmitting remittance transaction information through a communication network or receiving collection transaction information through the communication network or another communication network when executed by a user apparatus; And
As a plurality of transactions including the remittance transaction information or the collection transaction information generated during a predetermined period are specified, the transactions specified at the end of each period are electronically settled and classified according to the transaction subjects, Executing a step of receiving a result that the actual settlement funds have been deposited or withdrawn by the account transfer method at the end of the period, or receiving a guide to the deposit or the withdrawal schedule.

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