KR20200092818A - Payment agent system and method using money transfer service - Google Patents

Abstract

According to an embodiment of the present invention, provided is a payment agency system using a financial transfer service. The payment agency system using a financial transfer service comprises: an agency processing unit which processes a first transfer of a payment amount of a payment requesting company from a financial account of a payment agency to a pre-designated virtual account and processes the payment amount of the payment requesting company by proxy; and a collection processing unit which processes a second transfer of an amount corresponding to the payment amount (an amount paid by proxy) from the financial account of the payment requesting company to a financial account of the payment agency and collects and processes the amount paid by proxy.

Description

Payment and payment agency system and method using financial transfer service{PAYMENT AGENT SYSTEM AND METHOD USING MONEY TRANSFER SERVICE}

Embodiments of the present invention relates to a payment system and method for payment using a financial transfer service.

Generally, the payment service is provided through CMS (Cash Management Service). An example of a service using a payment service using CMS is conceptually described as follows. That is, first, the customer opens an account at the bank to which he/she wants to deposit and withdraw, and at the same time, receives information such as an account number and a deposit/withdrawal account password from a number of financial institutions opened. In this state, apply for a CMS transaction with the customer's bank.

Here, CMS is a service for simplifying and batch processing of payment and payment problems that occur during the payment process between a company and multiple customers. As such, when a customer applies for a transaction with the CMS, the CMS service is applied to each CMS user institution through the account holding bank, and the CMS user institution provides the service through the financial settlement agency.

In this way, the CMS user agency requested to deposit and withdraw funds and transfer funds provides information such as the bank and account number of the deposit and withdrawal account to the Financial Settlement Service. If it is confirmed, provide information such as the number of the deposit and withdrawal account and the amount of transfer to the bank holding the deposit and withdrawal account.

Banks with deposit and withdrawal accounts will deposit and withdraw the transfer amount to the customer's deposit and withdrawal account based on the above information. At this time, the actual flow of funds or authentication of information is performed according to a separate method. In this process, the banks with banks and deposit and withdrawal accounts collect a predetermined fee.

A related prior art is Republic of Korea Patent Publication No. 10-2001-0000937 (invention name: CMS storage agency service method, published date: January 05, 2001).

According to an embodiment of the present invention, when performing the payment service, the payment request company pays the price (tax, utility bill, salary, customs fee, etc.) to be paid by the payment payment company, and first pays the payment payment company instead. After that, we provide a payment system and method using a financial transfer service that can provide an easy, convenient, and reliable payment service by withdrawing payments made on behalf of CMS from the financial account of the payment request company. do.

In one embodiment of the present invention, the creditworthiness of the requesting payment company is evaluated in real time or periodically, and the payment payment agency service is provided based on the evaluation result, thereby hedges the risk of the payment payment agency risk due to the payment of the agency. Provides a system and method for payment payment using a financial transfer service that can provide stable and reliable payment service.

The problem to be solved by the present invention is not limited to the problem(s) mentioned above, and another problem(s) not mentioned will be clearly understood by those skilled in the art from the following description.

The payment system using the financial transfer service according to an embodiment of the present invention performs a first transfer from the financial account of the payment requesting agency to the predetermined virtual account from the financial account of the payment requesting agency, and A proxy processing unit for processing the payment amount; And a payment processing unit for processing the second payment from the financial account of the payment requesting company to the financial account of the payment agency by processing the amount of the amount corresponding to the payment amount (agent payment amount) Includes.

The payment payment agency system using the financial transfer service according to an embodiment of the present invention creates a description of payment payment processing according to the first and second transfer processing and transmits it to the manager terminal of the payment requesting company It may further include a notification unit.

The payment system using the financial transfer service according to an embodiment of the present invention searches the financial account of the payment requesting company for risk hedge of the payment processing company according to the first transfer processing By checking the balance amount, and based on the confirmed balance amount may further include a credit rating evaluation unit for evaluating the creditworthiness of the payment request company.

The payment system using the financial transfer service according to an embodiment of the present invention further includes a tax information database unit storing tax information of the payment requesting company, and the credit rating evaluation unit is stored in the tax information database unit The credit information of the company requesting the payment can be evaluated using the tax information.

The credit rating evaluation unit pre-classifies the credit rating of the payment requesting company using at least one of the checked balance amount and the tax information, and in real time or periodically according to the classified credit rating of the payment requesting company Credit rating can be evaluated.

When the payment processing unit receives the request information related to payment processing from the payment requesting company, it searches the payment amount of the payment requesting company and retrieves the inquired payment amount from the financial account of the payment processing company In the first transfer process, the virtual account may be provided by the payment target company.

The collection processing unit may withdraw the payment amount of the agent through the CMS (Cash Management Service) from the financial account of the payment requesting company and process the second transfer to the financial account of the payment agency.

The payment method using the financial transfer service according to an embodiment of the present invention is the first transfer of the payment amount of the payment request agency to the virtual account specified in advance from the financial account of the payment agency by the agency processing unit of the payment agency server Processing to process the payment amount of the payment request company; And the payment processing unit of the payment processing server transfers the amount of the amount corresponding to the payment amount (agent payment amount) from the financial account of the payment requesting company to the financial account of the payment agency, and performs the second processing And collecting the payment.

The payment method using the financial transfer service according to an embodiment of the present invention includes a credit evaluation unit of the credit payment agency server for risk hedge of the payment agency according to the first transfer process. Checking the balance amount by viewing a financial account of a payment requesting company; And the credit rating evaluation unit may further include the step of evaluating the credit rating of the payment requesting company based on the confirmed balance amount.

The method for performing payment using a financial transfer service according to an embodiment of the present invention further includes the step of storing the tax information of the payment requesting company in the tax information database unit of the payment agency server, and evaluating the credit rating The step of preliminarily classifying the credit rating of the payment requesting company using at least one of the checked balance amount and the tax information; And evaluating the creditworthiness of the payment requesting company in real time or periodically according to the classified credit rating.

Details of other embodiments are included in the detailed description and accompanying drawings.

According to an embodiment of the present invention, when performing a payment service, the payment request company pays the price (tax, utility bill, salary, customs fee, etc.) to be paid by the payment service provider, and first pays the payment target company instead. And then, by using the CMS to withdraw the payments made on behalf of the payment from the financial account of the payment request company, it is possible to provide an easy, convenient and reliable payment service.

According to an embodiment of the present invention, by evaluating the creditworthiness of the payment requesting company in real time or periodically and providing a payment agency service based on the evaluation result, hedge the risk of the payment agency according to the payment of the agency (risk hedge) Therefore, it is possible to provide a safe and stable payment service.

1 is a diagram showing a network configuration of a payment agent system using a financial transfer service according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a detailed configuration of the payment payment proxy server of FIG. 1.
3 to 5 are flow charts illustrating a payment method using a financial transfer service according to an embodiment of the present invention.

Advantages and/or features of the present invention and methods for achieving them will be made clear by referring to embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, and only the present embodiments allow the disclosure of the present invention to be complete, and common knowledge in the art to which the present invention pertains. It is provided to fully inform the person having the scope of the invention, and the present invention is only defined by the scope of the claims. The same reference numerals refer to the same components throughout the specification.

In addition, a preferred embodiment of the present invention to be carried out below is provided in each system functional configuration to effectively describe the technical components constituting the present invention, or a system function commonly provided in the technical field to which the present invention pertains. The configuration is omitted as much as possible, and the functional configuration that should be additionally provided for the present invention will be mainly described. If a person having ordinary knowledge in the technical field to which the present invention pertains, it will be possible to easily understand the functions of components that have been used in the prior art among the omitted functional configurations not shown below, and also the omitted components as described above. The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, in the following description, the terms "transmission", "communication", "transmission", "reception" of a signal or information, or similar terms mean that a signal or information is directly transmitted from one component to another. Not only that, it also includes passing through other components. In particular, "sending" or "transmitting" a signal or information to a component indicates the final destination of the signal or information and does not mean a direct destination. The same is true for the "reception" of a signal or information.

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

1 is a diagram illustrating a network configuration of a payment system using a financial transfer service according to an embodiment of the present invention.

Referring to FIG. 1, the network configuration 100 of the payment agency system using the financial transfer service according to an embodiment of the present invention includes a payment agency server 110, a payment request provider 120, and a payment target company (130), CMS (Cash Management Service) 140 and the bank 150 may be included.

The payment agency server 110 may be operated in conjunction with a payment agency program installed in the management terminal of the payment agency. That is, the management terminal of the payment agency can execute the payment agency program to access the payment agency server 110 and provide a payment agency service in conjunction with the payment agency server 110. have.

For reference, in the present embodiment, the payment requesting company 120 and the payment target company 130 may be understood as a concept including a management terminal capable of exchanging information with the payment agency server 110. . In addition, the bank 150 may also be understood as a concept including a management terminal capable of exchanging information with the payment agent server 110 through the CMS 140.

Hereinafter, a process in which the payment agency server 110 performs the payment agency service will be described in more detail.

When the payment payment agency server 110 receives the request information related to the payment payment agency from the payment request requesting company 120, it searches the payment amount of the payment request requesting company 120 and retrieves the searched payment amount. A transfer process may be performed from the financial account of the payment agency to the virtual account provided by the payment target company 130 (first transfer process).

Here, the request information is a service request signal related to the payment service, information for each type of agency payment such as VAT/income tax, utility bill, salary, customs fee, financial account information and sales, profit, capital, etc. of the payment request provider 120 Tax information, and the like.

That is, the payment agency server 110 in response to a service request signal related to the payment agency included in the request information, based on the information for each agency payment item included in the request information of the payment request provider 120 You can query the amount paid. The payment agency server 110 collects the financial account information of the payment agency in advance and uses it to withdraw the inquired payment amount from the financial account of the payment agency and transfer it to the virtual account. 1 Transfer processing can be performed.

Then, the payment agency server 110 withdraws the amount of the amount corresponding to the payment amount through CMS 140 from the financial account of the payment requesting company 120 through the financial account of the payment agency Can be transferred (second transfer process).

To this end, the payment agency server 110 accesses the bank 150 through the CMS 140, and then includes financial account information included in the request information, that is, financial account information of the payment requesting company 120. The second transfer process may be performed by withdrawing the amount of the amount corresponding to the amount of payment from the financial account of the payment request requesting company 120 and sending it to the financial account of the payment agent.

The payment agency server 110 may create details related to the payment agency according to the first and second transfer processing and transmit the details to the manager terminal of the payment request provider 120.

Meanwhile, the payment agency server 110 may provide a payment agency service for a Giro fee in conjunction with a Giro service. To this end, the payment agency server 110 accesses a website that provides a Giro service, obtains information related to the Giro service, and uses the acquired information to provide a payment service for the Giro fee. Can.

FIG. 2 is a block diagram illustrating a detailed configuration of the payment payment proxy server 110 of FIG. 1.

Referring to Figures 1 and 2, the payment agency server 110 is agency processing unit 210, collection processing unit 220, agency history notification unit 230, credit rating evaluation unit 240, tax information database unit ( 250), and a control unit 260.

The agency processing unit 210 receives the request information related to the payment agency from the payment request provider 120, uses the received request information to query the payment amount of the payment request company, and displays the inquiry payment amount The payment may be processed from the financial account of the payment agency to the virtual account of the payment requesting company 120 (first transfer processing).

Here, the virtual account of the payment requesting company 120 may be provided in advance by the payment payment company 130, and may be limited to one specific bank, or alternatively, provided to each of multiple banks It might be.

When it is determined that the first transfer processing is normally completed, the collection processing unit 220 accesses the bank 150 through the CMS 140 and then transfers the payment amount from the financial account of the payment requesting company 120. A corresponding amount of money can be withdrawn and transferred to the financial account of the payment agency (second transfer processing).

That is, the collection processing unit 220 provides a payment service through the first transfer processing to the payment requesting company 120 through the proxy processing unit 210, and then through the second transfer processing The payment made in lieu of the payment requesting company 120 may be collected through the CMS 140 and returned.

As described above, in one embodiment of the present invention, when performing the payment service, the payment service provider first pays the price (tax, utility bill, salary, customs fee, etc.) that the payment request company 120 will pay. Payment is made to the payment target company 120, and then withdraws the payment that has been paid instead through the CMS 140 from the financial account of the payment request request company 120, making it easy, convenient, and reliable Payment agency services can be provided.

The agency details notification unit 230 may create details related to the payment agency according to the first and second transfer processing and transmit the details to the manager terminal of the payment request company 120.

On the other hand, in one embodiment of the present invention, the first and second transfer processing by the agency processing unit 210 and the collection processing unit 220 provides an easy and convenient and reliable payment agency service, but the second If the balance amount is insufficient in the financial account of the payment request requesting company 120 during the transfer processing or risks such as business deterioration follow, there is a risk that the paid amount cannot be returned. Therefore, it is necessary to provide a device for hedgeing such a risk. To this end, in one embodiment of the present invention, the credit rating evaluation unit 240 may be used.

That is, the credit rating evaluation unit 240 checks the balance amount by querying the financial account of the payment requesting company 120 for risk hedge of the payment agency according to the first transfer process And it can evaluate the creditworthiness of the payment request company 120 based on the confirmed balance amount.

Alternatively, the credit rating evaluation unit 240 may use the tax information such as sales, profit, and capital stock stored in the tax information DB unit 250 to evaluate the credit rating of the payment requesting company 120.

On the other hand, the credit rating evaluation unit 240 requests the payment by using at least one of the amount of the balance and the tax information such as sales, profit, and capital stock, which are confirmed by querying the financial account of the payment requesting company 120 The credit rating of the company 120 may be classified in advance, and the credit rating of the payment requesting company 120 may be evaluated in real time or periodically according to the classified credit rating.

Here, when evaluating the creditworthiness of the payment requesting company 120 in real time, the evaluation result can be applied in real time to the payment agency service, while the creditworthiness of the payment requesting company 120 is periodically applied. In the case of evaluation (for example, 1 month), the evaluation result can be applied to the above payment service in units of the relevant period (eg, 1 month).

As described above, in one embodiment of the present invention, the credit rating of the payment requesting company 120 is evaluated in real time or periodically, and on the basis of the evaluation results, a payment service is provided based on the evaluation result, thereby hedges the risk of the payment service provider (risk hedge) to provide a safe and reliable payment service.

The tax information DB unit 250 is a storage medium that stores tax information (eg, sales, profit, capital, etc.) of the payment requesting company 120, and not only the tax information, but also the payment requesting company 120 It is possible to store more information for each payment item of the agency (eg VAT/income tax, utility bills, salary, customs fees, etc.) and financial account information.

The information stored in the tax information DB unit 250 may be provided by the payment requesting company 120 when the payment agency makes a contract with the payment requesting company 120 in advance.

The control unit 260 is the payment payment agency server 110, that is, the agency processing unit 210, the collection processing unit 220, the agency history notification unit 230, the credit rating evaluation unit 240, the tax information The overall operation of the DB unit 250 and the like can be controlled.

The device described above may be implemented with hardware components, software components, and/or combinations of hardware components and software components. For example, the devices and components described in the embodiments include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor (micro signal processor), a microcomputer, a field programmable array (FPA), It may be implemented using one or more general purpose computers or special purpose computers, such as a programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. The processing device may run an operating system (OS) and one or more software applications running on the operating system. In addition, the processing device may access, store, manipulate, process, and generate data in response to the execution of the software. For convenience of understanding, a processing device may be described as one being used, but a person having ordinary skill in the art, the processing device may include a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that may include. For example, the processing device may include a plurality of processors or a processor and a controller. In addition, other processing configurations, such as parallel processors, are possible.

The software may include a computer program, code, instruction, or a combination of one or more of these, and configure the processing device to operate as desired, or process independently or collectively You can command the device. Software and/or data may be interpreted by a processing device or to provide instructions or data to a processing device, of any type of machine, component, physical device, virtual equipment, computer storage medium or device. , Or may be permanently or temporarily embodied in the transmitted signal wave. The software may be distributed on networked computer systems, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

3 to 5 are flow charts illustrating a payment method using a financial transfer service according to an embodiment of the present invention.

The method for proxy payment described herein is only one embodiment of the present invention. In addition, various steps may be added as necessary, and the following steps may also be performed by changing the order. It is not limited to each step and the order described.

1 to 3, the agency processing unit 210 of the payment agency server 110 in step 310 may receive request information related to the payment agency from the payment request provider 120. .

Next, in step 320, the agent processing unit 210 of the payment agency server 110 may query the payment amount of the payment request provider 120.

Next, in step 330, the credit evaluation unit 240 of the payment agency server 110 is stored in the tax information DB unit 250 for risk hedge of the payment agency. The credit information of the company 120 for requesting payment may be evaluated using the tax information.

In this case, the credit evaluation unit 240 of the payment agency server 110 retrieves financial account information of the payment agency 120 from the tax information DB unit 250 as shown in FIG. 4. In step 410, the financial account of the payment requesting company 120 can be searched using the retrieved financial account information to check the balance amount (420). Thereafter, the credit rating evaluator 240 of the payment agency server 110 may evaluate the credit rating of the payment request provider 120 based on the checked balance (430).

On the other hand, the credit evaluation unit 240 of the payment agency server 110, the financial account information and sales of the payment agency 120 from the tax information DB unit 250, as shown in FIG. After retrieving tax information such as profit or capital (510), the credit rating of the payment requesting company 120 may be classified in advance using at least one of the financial account information and the tax information (520). . Thereafter, the credit rating evaluation unit 240 of the payment agency server 110 may evaluate the credit rating of the payment request provider 120 in real time or periodically according to the classified credit rating.

Next, in step 340, the agent processing unit 210 of the payment agency server 110 is provided by the payment payment company 120 in the financial account of the payment agency, the payment amount of the query You can process the first transfer to your account.

Next, in step 350, the collection processing unit 220 of the payment agency server 110 is the amount of the amount corresponding to the payment amount through CMS 140 from the financial account of the payment request company 120 Withdrawal may perform a second transfer process to the financial account of the payment agency 120.

Next, in step 360, the agency payment notification unit 230 of the payment agency server 110 fills out the details related to the payment agency according to the first and second transfer processing and requests the payment company ( 120).

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, or the like alone or in combination. The program instructions recorded on the medium may be specially designed and constructed for the embodiments or may be known and usable by those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CDROMs, DVDs, and magneto-opticals such as floptical disks. And hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language code that can be executed by a computer using an interpreter, etc., as well as machine language codes produced by a compiler. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described by a limited embodiment and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques are performed in a different order than the described method, and/or the components of the described system, structure, device, circuit, etc. are combined or combined in a different form from the described method, or other components Alternatively, even if replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

110: payment server
120: payment request company
130: payment target company
140: CMS
150: Bank
210: agency processing unit
220: collection processing unit
230: agency history notification
240: credit rating evaluation unit
250: Tax information DB department
260: control unit

Claims (10)

A proxy processing unit for processing the payment amount of the payment request company by performing a first transfer from the financial account of the payment payment agency to a predetermined virtual account; And
A collection processing unit that collects and processes the agency payment amount by performing a second transfer from the financial account of the company requesting the payment to the financial account of the agency for payment of the amount of the amount corresponding to the payment amount (agent payment amount)
Payment payment system using a financial transfer service characterized in that it comprises a.
According to claim 1,
Agency details notification unit that fills out the details related to the payment processing according to the first and second transfer processing and transmits it to the manager terminal of the payment requesting company
Payment payment system using a financial transfer service, characterized in that it further comprises.
According to claim 1,
For the risk hedge of the payment agency according to the first transfer process, the financial account of the payment requesting company is queried to check the balance amount, and the payment is requested based on the confirmed balance amount A credit rating evaluation unit that evaluates a company's credit rating
Payment payment system using a financial transfer service, characterized in that it further comprises.
According to claim 3,
Tax information database unit that stores tax information of the payment request company
Further comprising,
The credit rating evaluation unit
A payment system using a financial transfer service, characterized in that for evaluating the creditworthiness of the payment request company using the tax information stored in the tax information database unit.
According to claim 4,
The credit rating evaluation unit
The credit rating of the payment requesting company is pre-classified using at least one of the checked balance amount and the tax information, and the credit rating of the payment requesting company is evaluated in real time or periodically according to the classified credit rating. Payment transfer system using a financial transfer service, characterized in that.
According to claim 1,
The agency processing unit
When receiving the request information related to the payment service from the payment requesting company, the payment amount of the payment requesting company is queried and the inquired payment amount is transferred from the financial account of the payment agency to the virtual account. Processing, but the virtual account is a payment system using a payment service, characterized in that provided by the payment target company.
According to claim 1,
The collection processing unit
Payment processing agency using a financial transfer service characterized in that the second payment processing is withdrawn to the financial account of the payment agency through the CMS (Cash Management Service) through the CMS (Cash Management Service) from the financial account of the payment request company system.
The agency processing unit of the payment processing server performs a first transfer processing of the payment amount of the payment requesting company from the financial account of the payment payment agency to a predetermined virtual account to process the payment amount of the payment requesting company; And
The payment processing unit transfers the amount of the amount corresponding to the payment amount (agent payment amount) from the financial account of the payment request company to the financial account of the payment agency, by processing a second amount of the amount corresponding to the payment amount Steps to collect money
Payment payment agency method using a financial transfer service, characterized in that it comprises a.
The method of claim 8,
For the risk hedge of the payment agency according to the first transfer processing,
Checking the balance amount by querying the financial account of the payment requesting company by the credit evaluation unit of the payment agency server; And
Evaluating the creditworthiness of the payment requesting company based on the confirmed balance amount by the creditworthiness evaluation unit
Payment payment using a financial transfer service characterized in that it further comprises a proxy payment method.
The method of claim 9,
The tax information database unit of the payment agency server stores tax information of the payment requesting company.
Further comprising,
The step of evaluating the credit rating
Classifying the credit rating of the payment requesting company in advance using at least one of the checked balance amount and the tax information; And
Evaluating the creditworthiness of the payment requesting company in real time or periodically according to the classified credit rating
Payment payment agency method using a financial transfer service, characterized in that it comprises a.

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