KR20210037490A - The system and method to interwork to account transfer - Google Patents

Abstract

Currently, for an account transfer, a user must access a bank's website or run a bank application, log in thereto, select the bank of the other person, enter an account number, and enter an amount. In order to record the reason for the transfer, the sender's information must also be entered, and to display a different name instead of an account holder in an account of the other person, the recipient's information must also be entered. Therefore, it is very inconvenient because a lot of information must be input one by one to make an account transfer. The present invention relates to a device and method for displaying information transmitted from the outside on an account transfer screen without a user having to individually input information such as a bank, account number, transfer amount, etc. of the other person on the account transfer screen during account transfer and transmitting a transfer result to a designated server after transfer. According to the present invention, it is very convenient because it is not necessary for a person making the transfer to select a bank of the other person, input an account number, and input an amount.

Description

[The system and method to interwork to account transfer}

In the present invention, when transferring an account, the user does not need to manually input information such as the counterpart's bank, account number, and transfer amount on the account transfer screen, and shows the information transmitted from the outside on the account transfer screen, and the result of the transfer to the designated server after the transfer. It is an invention of an apparatus and method for transmitting.

To make a current account transfer, you need to access the bank homepage or run the bank app, log in, select the counterpart bank, enter the account number, and enter the amount.

If you want to record the reason for the transfer, you must also enter the information entered by the sender, and if you want the other name to appear on the other party's account with a different name instead of the account holder, you must also enter the information to the recipient.

Therefore, it is very inconvenient because you have to enter a lot of information individually in order to transfer the account.

In the present invention, when transferring an account, the user does not need to manually input information such as the counterpart's bank, account number, and transfer amount on the account transfer screen, and shows the information transmitted from the outside on the account transfer screen, and the result of the transfer to the designated server after the transfer. It is an invention of an apparatus and method for transmitting.

According to the present invention, it is very convenient because there is no need for the transferee to individually select the counterpart bank, input the account number, and input the amount.

1 is an illustration of a flow chart of a banking module according to the present invention.
2 is an example of a configuration diagram of a banking module according to the present invention.
3 is an example of a bank account transfer screen according to the present invention.
4 is an example of a flowchart of an interlocking module according to the present invention.
5 is an example of a screen of an interlocking module according to the present invention.
6 is an example of a flowchart when the present invention is applied to a shopping mall.
7 is an example of an account transfer information input screen according to the present invention.

To make a current account transfer, you need to access the bank site or run the bank app, log in, select the counterpart bank, enter the account number, and enter the amount to be transferred.

If you want to record the reason for the transfer, you must also enter the information entered by the sender, and if you want the other party to appear in a different name instead of the account holder, you must also enter the information entered by the recipient.

Therefore, it is very inconvenient because you have to enter a lot of information one by one.

The present invention relates to an apparatus and method in which a user transfers information to transmitted information instead of individually inputting information.

Prior to this description, terms are defined as follows.

Recipient means any company or individual that receives an account transfer.

Sender means any company or individual making an account transfer.

The transfer number refers to a unique number that can be used by a bank to identify an account transfer, such as a credit card authorization number.

The bank module is a module provided by the bank and provides an account transfer function, and in the present invention, it provides a function of transferring the received information and delivering the transfer result after the transfer.

The bank module may be in the form of a web or an app.

The interlocking module is a module that calls a bank module and transmits information, and refers to a module that operates on a PC or smartphone.

In general, since each sender has a different bank, and each bank has a different calling method, the sender can select his or her own bank, and includes a function of calling an interlocking module of the selected bank.

The interworking module may be a separate and independent module, or may be a part of each recipient server or an integrated server or an integrated module.

Integrated service refers to a service that provides services to multiple recipients.

The integration server means a server that stores and provides information necessary for integration services.

In the following description, it is assumed that the URL of the integration server is www.bankpays.com.

The integrated module refers to a module that operates on a PC or smartphone for integrated service.

The integrated module may be in the form of a web or an app.

The identification number is a number for the recipient to identify the account transfer, and corresponds to the order number of a shopping mall or store, a giro number of a public institution, or a number generated by an integrated service.

Of course, the identification number and transfer number may include characters other than numbers.

In addition, in the case of online shopping malls, it is a non-face-to-face transaction, and since most of the goods are delivered by courier, it is necessary to check whether the delivery is complete and then deposit the money into the recipient's account.

In this case, it can be transferred using the bank's escrow function.

The banking module is composed of an interlocking unit and a transfer unit as shown in FIG. 2.

As in the past, the transfer department is responsible for the account transfer function.

The linking unit is responsible for receiving the information transmitted from the linking module and transmitting the transfer result to the designated URL.

The banking module is designed to work as follows.

Step 1, the banking module receives the following information.

If the sender is using Kookmin Bank, the bank transfer module is called as follows.

Of course, even in the same bank, the calling URL may be different depending on whether the sender is an individual, a corporation, or whether the escrow function is used.

http://www.kbstar.com/transfer.asp?bankcd=003&account=1112233334444&amount=10000&sendmsg=CJ Mall product purchase&recvmsg=Hong Gil-dong&ordno=20180815000001&returl=http://www.cjmall.com/return.asp

From here

bankcd is the recipient bank code.

In other words, in this example, it means remittance from Kookmin Bank to the IBK account.

account is the recipient's bank account number.

amount is the amount to be transferred.

If the amount has not been determined in advance, it can be omitted.

sendmsg is the sender's entry and is displayed on the sender's passbook.

In this example, it refers to the purchase price of a product at CJ Mall.

recvmsg is the information to be displayed in the recipient's passbook as the recipient's entry information.

As with the existing account transfer, if recvmsg is omitted, the bank enters the name of the account holder of the sender's account.

In some cases, sendmsg and recvmsg can be omitted.

ordno is an identification number by which the server that returns the result can identify the transfer case when the transfer result is returned.

returl is the URL that returns the result after transfer.

Depending on the usage method, returl and ordno can be omitted.

In addition, by sending the identification number to recvmsg and storing the identification number in the recipient's entries, the recipient can identify the transfer case from the bankbook deposit and withdrawal details from the recipient's entry information.

However, since the number of characters that can be entered in the recipient's information is generally short, there may be cases where the field size needs to be increased in order to store the identification number.

Here, for convenience of explanation, the GET method is used as an example, but of course, it can also be transmitted using the POST method.

Step 2, the bank module shows the login screen, and the sender logs in as before.

Step 3, the bank module shows information on the screen as shown in FIG. 3.

Step 3-1, the sender's account information is inquired.

If the sender has multiple internet banking accounts in a single bank, multiple accounts are displayed and the sender can choose.

By showing the balance of each account together, the user can check whether a transfer is possible in advance.

Alternatively, when the transfer amount is received above, it can be compared with the transfer amount to show whether the transfer is possible.

Step 3-2, similar to the existing account transfer, the bank module inquires the recipient's account information and displays the account holder's name on the screen so that the sender can check it.

Step 3-3, Among the received items, items that have not been delivered with a value are displayed as blanks and can be entered.

The item to which the value was passed can be made so that it cannot be modified.

In addition, it is possible to display on the screen whether it is a general account transfer or an escrow transfer.

Step 4, After checking the information on the screen, the sender authenticates the person using a public certificate, password, fingerprint, or OTP, as before, and transfers.

Step 5, if the returl value is delivered, the bank module transmits the transfer result to the corresponding URL.

http://www.cjmall.com/return.asp?retcd=OK&retmsg=normal&ordno=20180815000001&apprno=67351678&bankcd=003&account=1112233334444&amount=10000&sendmsg=CJ Mall product purchase&recvmsg=Hong Gil-dong

In this example, retcd is a transfer result code, and retmsg is a transfer result string.

apprno means a transfer number that can identify the transfer.

Of course, in the event of a transfer failure, the failure code and reason are transmitted.

In the case of a smartphone app, it automatically runs the app and transmits information to the app.

There can be several ways to do this, and you can simply call it in the URL Scheme method as follows.

bktp://www.kbstar.com/transfer.asp?bankcd=003&account=1112233334444&amount=10000&sendmsg=CJ Mall product purchase&recvmsg=Hong Gil-dong&returl=http://www.cjmall.com/return.asp

or

bktp-kbstar://www.kbstar.com/transfer.asp?bankcd=003&account=1112233334444&amount=10000&sendmsg=CJ Mall product purchase&recvmsg=Hong Gil-dong&returl=http://www.cjmall.com/return.asp

In addition, in the case of the smartphone payment module, when the transfer is successful, the bank code and the transfer number are displayed on the screen as numbers, QR codes, or barcodes, so that the user or store employee can visually check them or scan them with a scanner.

The linkage module is linked with the banking module as follows.

Step 1, the interworking module receives the transfer request information.

Receive information such as recipient bank account, transfer amount, sender information, recipient information, order number, and result receiving URL.

If the sender's bank can be specified, it will also receive the sender's bank code.

In step 2, the linkage module shows a screen for selecting the sender's transaction bank and the receiver's account as shown in FIG. 5, and allows the sender to select it.

Step 2-1, As each sender has a different bank and each bank has a different URL, a screen for selecting the sender's bank is displayed, and the sender selects his or her bank.

Of course, if the sender's account is specified, this step is omitted.

In addition, if the sender's bank can be saved, such as a smartphone app, the previously selected bank can be automatically selected.

Step 2-2, If the recipient has multiple bank accounts, a list of the recipient's accounts is displayed and the sender can select them.

To reduce transfer fees, if there is a bank that matches the sender's bank among the banks of the recipient's transactions, the bank can be selected.

Of course, if the recipient has only one account, this step is omitted.

Step 3, the linkage module creates a URL and calls the bank module.

Step 3-1, select the URL as follows according to the sender's bank.

Select Case (Sender Bank Code)

Case “004”: URL = “http://www.kbstar.com/transfer.asp”

Case “088”: URL = “http://www.shinhan.com/transfer.asp”

Case “081”: URL = “http://www.kebhana.com/transfer.asp”

...

End Select

Step 3-2, the recipient's bank code, the recipient's bank account number, the amount to be transferred, the sender's information, the recipient's information, the order number, and the result receiving URL, as in the example above, are used to construct the URL as in the example above.

Step 3-3, By calling the configured URL, the bank module is called and the information is delivered.

The present invention can be applied to various fields in various ways.

Each recipient or recipient organization can process it, or use an integrated service.

In the case of the integrated service, the recipient first signs up as a member of the integrated service and registers his/her account information.

If the recipient has multiple accounts, you can register multiple accounts and let the sender choose.

Of course, without registering in advance, you can also pass the account information each time you transfer.

As in the above example, it can be used as a payment method when purchasing a product at an internet shopping mall.

In this case, the receiver is a shopping mall, and the sender is a customer who purchases the product.

Step 1, the shopping mall server calls the linking module and delivers the information.

Step 2, the shopping mall linkage module displays a bank selection screen as shown in FIG. 5, and the customer selects his/her bank account and an account of the shopping mall.

Step 3, the shopping mall linkage module creates a URL as in the above example, calls the bank module, and delivers the information.

Step 4, the user logs in at the bank module, checks the contents of the screen, and transfers.

Step 5, the bank module transmits the transfer result to the shopping mall server.

If the bank supports the above functions only in the smartphone app, since the PC cannot directly call the bank module of the smartphone, it can be processed as follows.

Step 1, the shopping mall server generates a QR code including an order number as follows.

http://www.cjmall.com/transfer.asp?ordno=20190815000005

Step 2, When a customer scans a QR code on a PC screen with a smartphone, it automatically connects to the shopping mall server.

Step 3, the shopping mall server retrieves the order from the order number and calls the linking module.

Thereafter, the transfer is performed through the same process as in the above example, and the bank module transmits the transfer result to the shopping mall server.

Of course, it is also possible to select a customer bank and shopping mall account in the PC linkage module, and generate a QR code including the customer bank and shopping mall account information in the URL.

It can also be applied to offline stores.

Here, the case of using the integrated service will be described as an example.

First, each store registers its own account information after signing up as a member of the integrated service.

If the store has multiple accounts, register multiple accounts.

After the order is entered into the POS, the customer selects the account transfer, and the process is processed as follows.

Step 1, the POS transmits information such as the store's integrated service ID, order number, payment amount, sender information, and recipient information to the integrated module.

http://www.bankpays.com/pay.asp?id=starbucks&ordno=20180815000001&amount=10000&sendmsg=Starbucks Coffee&recvmsg=20180815000001

In the case of sending the URL to the customer's smartphone below, the store employee asks for the customer's mobile phone number and enters it, and the POS sends the customer's mobile phone number together.

Step 2, the integration module transmits the received information to the integration server, and receives an identification number.

Step 2-1, the integration module transmits the received information to the integration server.

Step 2-2, the integrated server stores the received information.

Step 2-3, generate and return an identification number that can identify the order.

Step 3, the integration module delivers the URL including the identification number as follows.

http://www.bankpays.com/?id=2018081500063463

Since the POS cannot directly transfer to the bank module of the customer's smartphone, it is processed as follows.

First, if the POS has a customer monitor, the identification number is converted into a QR code and displayed on the monitor.

Of course, when scanning with a dedicated app, you can include only the identification number except for the URL.

Second, if the POS does not have a monitor for customers, the URL can be sent to the customer's smartphone by text or messenger.

Step 4, the customer scans the QR code or touches the URL in the message.

Step 5, the smartphone integration module transmits the identification number to the integration server and receives information necessary for payment.

Step 5-1, the smartphone integration module transmits the identification number to the integration server.

Step 5-2, the integrated server searches the store by the identification number, and returns the store's account information.

Step 6, the linkage module of the integration module shows the customer's bank and store account selection screen, and when the customer selects the linkage module, the linkage module creates a URL with the selected information and the information received from the POS and calls the bank module.

Step 7, the customer transfers as in the above example using the transfer module function.

Step 8, when the transfer module transmits the transfer result to the integration server, the integration server retrieves the order using the identification number and stores the transfer result.

Step 9, After the customer transfers, the store employee clicks the OK button at the POS, and the POS receives the transfer result as follows.

Step 9-1, the POS transmits the order number to the integrated module.

Step 9-2, the integration module sends the store ID and order number to the integration server.

Step 9-3, the integration server retrieves and returns the transfer result with the store ID and order number.

In a POS that does not have a server that receives the results, without using the integrated service, you can directly create a URL and display it as a QR code or send the URL, and you can check the transfer status through the customer's smartphone screen as described above.

In general, various utility bills are issued by Giro paper, and the user pays by visiting a bank or remitted to the bank using internet banking.

According to the present invention, a URL including information for identifying a corresponding case is transmitted to a user by text, messenger, or e-mail as follows.

http://www.kepco.co.kr/pay.asp?no=1065726984

After that, the user can click the URL and pay the fee immediately as follows.

Step 1, When a user clicks a URL after receiving a text message, a messenger, or an e-mail, the user accesses the above website.

Step 2, the server of the relevant institution searches by identification number to check whether the payment has already been made, and if the payment has already been made, it transmits a message indicating that the payment has been completed, and ends.

If the case has not yet been paid, proceed to the next step.

Step 3, the linkage module of the relevant institution shows the screen for selecting the customer's bank and the corresponding institution's bank, and the user makes a selection.

Step 4, the linkage module of the institution calls the bank module by generating a URL as follows, and delivers the information.

http://www.kbstar.com/transfer.asp?bankcd=003&account=1112233334444&amount=10000&sendmsg=Electricity charge (August)&recvmsg=Hong Gil-dong&ordno=20180815000001&returl=http://www.kepco.com/return.asp

After step 5, the transfer is carried out through the same process as in the above example.

Step 6, the bank transmits the payment result to the corresponding institution server as in the above example.

It can also be applied to transfers between individuals and companies.

Here, the process of delivering congratulations or condolences will be described using an integrated service as an example.

In the description below, the recipient is a single person, a married party, and a resident, and the sender is a guest or a condolence guest.

As in the above example, the recipient subscribes to the integrated service as a member and registers his/her bank and account number.

Step 1, the recipient logs in to the server.

Step 2, the server displays a screen as shown in Fig. 2, and the receiver inputs information.

Shows the account of the recipient registered in the member information.

When registering multiple accounts, you can choose.

If you don't choose an account, you can let the sender choose it when transferring.

Do not enter the transfer person's bank because it is unknown.

Do not enter the recipient's information so that the sender's account holder name is automatically displayed.

Of course, when sending by specifying a specific person, enter it.

In addition, since the amount is not set, leave it blank.

Since the result is not sent, neither ordno nor returl is entered.

Of course, the integration server can automatically designate the returl as itself and notify the sender or receiver by text when the transfer is complete.

Step 3, When the recipient clicks Send or Generate QR, the following URL is created.

http://bankpays.com?bankcd=003&account=1112233334444&amount=&sendmsg=Hong Gil-dong Marriage Gift Gold&recvmsg=

Of course, you can include only the shortened URL or identification number.

When clicking Send, a URL is created and sent by text or messenger to the entered mobile phone number.

If the contents to be transmitted are different for each transfer, the function of uploading to Excel can also be provided.

By allowing the generated URL to be copied, the recipient can also send the invitation text along with a text message, messenger, or e-mail.

When clicking the QR creation button, the URL is created as a QR code image, and the recipient prints the QR code image and attaches it to the ceremony.

Of course, you may not sign up as a member, or you may not register an account number, and you may enter it every time you use the service.

After that, when the sender clicks the URL after receiving a text, message, or e-mail, or scans the QR code at the site, it operates as follows.

Step 1, the sender clicks a URL or scans a QR code to connect to the integrated server.

Step 2, the integrated server transmits the received content to the interworking module.

Step 3, the integration module of the integrated service shows the sender's bank selection screen, and when the sender selects his or her bank, the linkage module creates a URL with the selected information and the received information and calls the bank module.

After step 4, transfer through the same process.

However, since the amount was called blank, enter it and transfer it.

In addition to this, it can be applied to various fields.

According to the present invention, since it is not necessary for the transferee to individually select the counterpart bank, input the account number, and input the transfer amount, it is convenient and the case of incorrect transfer is reduced.

In addition, it is safe because you can not only authenticate yourself with a password, public certificate, fingerprint, OTP, etc., but also verify the name of the other party's account holder, just like the existing account transfer.

In addition, payment methods such as credit card and real-time account transfer use VAN or PG, but because the present invention is a direct transfer method to the corresponding account, the fee is not only cheap, there is no need for a separate settlement process, and funds rotation of the shopping mall is smooth It becomes.

Each agency can save money because there is no need to send bills or papers.

Banks can also provide services by slightly modifying the existing account transfer function, and development and maintenance are easy because one module can be applied to various fields. When account transfer is simple, account transfer is activated, so transfer fee income Also increases.

Also, since the recipient can identify the transfer by the identification number, there is no need to issue a virtual account.

In addition, the above is only one embodiment of the present invention, and various modulations and modifications are possible within the scope of the present invention.

See drawing

Claims (3)

An account transfer linkage device and method, characterized in that instead of manually inputting the information required for account transfer on the account transfer screen, the user displays the information transferred from the outside on the account transfer screen, and transmits the transfer result to a designated server after the transfer.
In paragraph 1
Bank server receiving the transmitted information
Steps for the user to log in to the bank server
The bank server shows the user account information, the recipient account account holder name, and the received information on the screen.
Bank server authenticates and transfers users
The bank server sends the transfer result to the received URL.
Account transfer linkage device and method comprising a bank module comprising a
In paragraphs 1 and 2
Steps for receiving information required for account transfer
Steps to choose the sender's bank
Calling the module of the selected bank among bank modules having the function of item 2, and delivering the received information
Account transfer linkage device and method comprising a

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