KR20230042225A - Payment agent system using internet giro - Google Patents

Abstract

According to an embodiment of the present invention, a payment agency system using internet giro includes: a payment withdrawal unit for withdrawing the payment amount of a payment requesting company from a financial account of the payment requesting company using the internet giro; and a payment agency processing unit which remits the withdrawn payment amount to the financial account of a company to be paid. Therefore, the present invention can provide a simple and safe payment agency service while reducing a fee according to the payment agency.

Description

Payment agency system using Internet Giro {PAYMENT AGENT SYSTEM USING INTERNET GIRO}

Embodiments of the present invention relate to a payment agency system and method using Internet Giro.

In general, payment agency service is performed through CMS (Cash Management Service). An example of a service using a payment agency service using a CMS is briefly conceptually described as follows. That is, first, the customer opens an account at the bank to deposit and withdraw, and receives information such as a deposit and withdrawal account number and a password for the deposit and withdrawal account from a plurality of financial institutions opened at the same time. In this state, apply for CMS transaction to the bank holding the customer's account.

CMS is a service that simplifies and batch-processes payment and settlement issues that occur in the payment process between a company and multiple customers. In this way, when a customer applies for a transaction to CMS, he/she applies for CMS service to each CMS using institution through the bank holding the account, and the CMS using institution provides the service through the Korea Financial Telecommunications and Clearings Institute.

In this way, upon request for deposit and withdrawal and fund transfer, the CMS user institution provides information such as the bank that opened the deposit and withdrawal account, the account number, and the transfer amount to the Korea Financial Telecommunications and Clearings Institute. If confirmed, information such as the number of the deposit and withdrawal account and the transfer amount is provided to the bank holding the deposit and withdrawal account.

The bank holding the deposit and withdrawal account deposits and withdraws the transfer amount to the customer's deposit and withdrawal account based on the above information. At this time, the flow of actual funds or authentication of information is performed according to a separate method. In this process, the Korea Financial Telecommunications and Clearings Institute and the bank holding the deposit and withdrawal account collect a predetermined fee.

As related prior art, there is Republic of Korea Patent Publication No. 10-2001-0000937 (title of invention: CMS storage agent service method, publication date: January 05, 2001).

An embodiment of the present invention is to withdraw the payment amount of the payment requesting company from the financial account of the payment requesting company using the Internet Giro when performing the payment agency service, and pay the payment target company through CMS (Cash Management Service). Provided is a payment agency system and method using Internet Giro that can provide payment agency service simply and safely while reducing commissions for payment agency by processing remittance to a financial account of .

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

A payment agency system using Internet Giro according to an embodiment of the present invention includes a payment withdrawal unit for withdrawing a payment amount of a payment requesting company from a financial account of the payment requesting company using Internet Giro; and a payment agency processing unit for remittance processing of the withdrawn payment amount to a financial account of a company to be paid.

The bill payment agency system using Internet Giro according to an embodiment of the present invention may further include an Internet Giro issuing unit that receives an Internet Giro related to the payment amount of the payment requesting company from the Internet Giro site in conjunction with the Internet Giro site. can

The payment agency system using Internet Giro according to an embodiment of the present invention further includes a tax information database unit for storing tax information of the company requesting payment payment, and the Internet Giro issuing unit is stored in the tax information database unit Using the existing tax information, the Internet Giro site regarding the payment amount of the payment requesting company may be issued.

When the Internet Giro issuing unit receives request information related to a payment agency from the payment requesting company, the payment amount of the payment requesting company is determined from the Internet Giro site based on the request information received from the payment requesting company. You can get an internet giro.

The payment withdrawal unit receives and stores the official certificate of the payment requesting company in advance from the payment requesting company, accesses the financial account of the payment requesting company using the official certificate, The payment amount of the payment requesting company may be withdrawn from the financial account.

When the payment proxy processing unit has a plurality of payment proxy cases of the payment requesting company, the payment amount of each of the plurality of payment proxy cases may be bundled and transferred to the financial account of the payment target company.

In the payment agency system using the Internet Giro according to an embodiment of the present invention, the agency details notification unit for preparing details related to the payment agency according to the remittance processing of the payment agency processing unit and transmitting them to the manager terminal of the payment request company can include more.

According to an embodiment of the present invention, the payment agency method using Internet Giro is to withdraw the payment amount of the payment requesting company from the financial account of the payment requesting company using the Internet Giro by the payment withdrawal unit of the payment agency server. step; and processing the transfer of the withdrawn payment amount to a financial account of a company to be paid by the payment agency processing unit of the payment agency server.

According to an embodiment of the present invention, the payment agency method using Internet Giro is provided by the Internet Giro issuing unit of the payment agency server interlocking with the Internet Giro site to obtain an Internet Giro information regarding the payment amount of the company requesting payment from the Internet Giro site. A step of issuing may be further included.

The payment agency method using Internet Giro according to an embodiment of the present invention further includes storing the tax information of the company requesting payment payment in a tax information database of the payment agency server, and issuing the Internet Giro service. The receiving may include issuing an Internet Giro about the payment amount of the payment requesting company from the Internet Giro site by using the tax information stored in the tax information database unit.

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

According to one embodiment of the present invention, when performing the payment agency service, the payment amount of the company requesting payment is withdrawn from the financial account of the company requesting payment by using the Internet Giro, and the financial account of the company subject to payment through the CMS. By processing the remittance with , it is possible to provide a simple and safe payment agency service while reducing the commission for the payment agency.

1 is a diagram showing the network configuration of a bill payment agency system using Internet Giro according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a detailed configuration of the bill payment agency server of FIG. 1 according to an embodiment.
3 is a block diagram illustrating a detailed configuration of the bill payment agency server of FIG. 1 according to another embodiment.
FIG. 4 is a flowchart illustrating a method for paying bills by proxy using Internet Giro according to an embodiment of the present invention.
5 is a flow chart illustrating a method for paying bills by proxy using Internet Giro according to another embodiment of the present invention.

Advantages and/or features of the present invention, and methods of achieving them, will become apparent with reference to the following detailed description of the embodiments taken in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below and will be implemented in various forms different from each other, only these embodiments make the disclosure of the present invention complete, and common knowledge in the art to which the present invention pertains. It is provided to completely inform the person who has the scope of the invention, and the present invention is only defined by the scope of the claims. Like reference numbers designate like elements throughout the specification.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration in order to efficiently explain the technical components constituting the present invention, or system functions commonly provided in the technical field to which the present invention belongs. 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 one of ordinary skill in the art to which the present invention pertains, one will be able to easily understand the functions of conventionally used components among the omitted functional configurations not shown below, and also the omitted configurations as described above. The relationship between elements and components added for the present invention will also be clearly understood.

In addition, in the following description, "transmission", "communication", "transmission", "reception" and other similar terms of signals or information refer to direct transmission of signals or information from one component to another. as well as passing through other components. In particular, "transmitting" or "transmitting" a signal or information as a component indicates the final destination of the signal or information, and does not mean a direct destination. The same is true for "reception" of signals or information.

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

1 is a diagram showing the network configuration of a bill payment agency system using Internet Giro according to an embodiment of the present invention.

Referring to FIG. 1, the network configuration 100 of the payment agency system using the Internet Giro according to an embodiment of the present invention includes a payment agency server 110, a payment requesting company 120, a payment target company ( 130), an internet giro site 140, a cash management service (CMS) 150, and a bank 160.

The bill payment agency server 110 may operate in conjunction with a bill payment agency program installed in a management terminal of a bill payment agency company. That is, the management terminal of the payment agency company may execute the payment agency program, access the payment agency server 110, and provide a payment agency service in conjunction with the payment agency server 110. there is.

For reference, in this embodiment, the payment request company 120 and the payment target company 130 can be understood as a concept including a management terminal capable of exchanging information with the payment agent 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 bill payment agency server 110 performs the bill payment agency service will be described in more detail.

The payment agency server 110 withdraws the payment amount of the payment requesting company 120 from the financial account of the payment requesting company 120 using the Internet Giro, and transfers the withdrawn payment amount to the CMS 150 By processing the remittance to the financial account of the payment target company 130 through, it is possible to perform the payment agency service.

To this end, the bill payment agency server 110 may interwork with the Internet Giro site 140 to receive an Internet Giro account related to the payment amount of the bill payment requesting company 120 from the Internet Giro site 140. .

At this time, the payment agency server 110 uses the tax information of the payment requesting company 120 to issue Internet Giro related to the payment amount of the payment requesting company 120 from the Internet Giro site 140. can receive

Alternatively, when the bill payment agency server 110 receives request information related to the bill payment agency from the bill payment requesting company 120, based on the request information received from the bill payment requesting company 120, the Internet An Internet Giro regarding the payment amount of the payment request company 120 may be issued from the Giro site 140 .

Here, the requested information is a service request signal related to payment by agency, information by agency payment item such as value added tax/income tax, utility bill, salary, official fee, etc., payment date information by each agent payment item, financial account of the payment requesting company 120. It may include information and tax information such as sales, earnings, and capital stock.

The bill payment agency server 110 may create remittance details related to the bill payment agency and transmit them to the manager terminal of the bill payment requesting company 120 .

FIG. 2 is a block diagram illustrating a detailed configuration of the bill payment agency server 110 of FIG. 1 according to an embodiment.

1 and 2, the payment payment agency server 110 includes an Internet Giro issuing unit 210, a payment withdrawal unit 220, a payment agency processing unit 230, an agency details notification unit 240, and It may be configured to include the control unit 250.

The Internet Giro issuing unit 210 may interwork with the Internet Giro site 140 to receive an Internet Giro related to the payment amount of the payment request company 120 from the Internet Giro site 140 .

That is, when the Internet Giro issuing unit 210 receives request information related to payment agency from the payment requesting company 120, the Internet Giro issuing unit 210 uses the request information received from the payment requesting company 120. Site 140 can be accessed.

The Internet Giro issuing unit 210 may request the Internet Giro site 140 to issue an Internet Giro regarding the payment amount of the payment request company 120 . The Internet Giro issuer 210 may receive the Internet Giro issuance from the Internet Giro site 140 in response to a request for issuance of the Internet Giro.

The payment withdrawal unit 220 transfers the payment amount of the payment requesting company 120 to the financial account of the payment requesting company 120 using the Internet Giro issued through the Internet Giro issuing unit 210. can be withdrawn from

To this end, it is preferable that the payment withdrawal unit 220 receives the public certificate of the payment requesting company 120 in advance from the payment requesting company 120, encrypts it, and stores it.

In the case of a certified certificate, since it can be used in all terminals even if the terminals used are different, if only an agreement is made between the charge payment requesting company 120 and the charge payment agency, the charge payment agency server of the charge payment agency (110) may receive the public certificate from the payment request company 120, encrypt and store it.

Accordingly, the payment withdrawal unit 220 may access the financial account of the payment requesting company 120 using the authorized certificate of the payment requesting company 120, and the payment requesting company 120 ) It is possible to withdraw the payment amount of the payment request company 120 from the financial account.

In this way, in one embodiment of the present invention, since the payment amount of the payment requesting company 120 is withdrawn from the financial account of the payment requesting company 120 using the Internet Giro, compared with the case of using the existing CMS This has the advantage of not incurring any fees for account withdrawals.

Meanwhile, the payment agency processing unit 230 may remit the withdrawn payment amount to a financial account of the payment target company 130 through the CMS 150 .

That is, the payment agency processing unit 230 accesses the server of the bank 160 through the CMS 150 to inquire the financial account of the payment target company 130, and the payment request company 120 The payment amount withdrawn from the financial account of can be remitted to the inquired financial account.

At this time, the payment agency processing unit 230, when the number of payment agency cases of the payment requesting company 120 is plural, by processing the payment amount of each of the plurality of payment agency cases individually, the payment target company 130 You can transfer money individually to your financial account.

However, in the case of processing the payment amount for each payment agency case individually, a method for reducing the fee is required because a fee is generated for each case. Therefore, in one embodiment of the present invention, it is preferable to process the payment amount of each of the payment agency cases in a bundle instead of individually processing them.

That is, when the payment agency processing unit 230 has a plurality of payment agency cases of the payment requesting company 120, the payment amount of each of the plurality of payment agency cases is bundled and the payment target company 130 You can send money in bulk to your financial account.

In this way, according to one embodiment of the present invention, by processing the transfer amount of each payment amount of the payment agency of the payment request company 120 in batches, the number of payment agencies with a fee of the same amount as one individual processing Remittance processing can drastically reduce remittance fees.

The agency details notification unit 240 may write details related to the payment agency according to the remittance processing of the payment agency processing unit 230 and transmit the details to the manager terminal of the payment request company 120 .

The control unit 250 includes components according to an embodiment of the bill payment proxy server 110, that is, the Internet Giro issuing unit 210, the payment withdrawal unit 220, and the payment proxy processing unit 230 , It is possible to control the overall operation of the agency details notification unit 240 and the like.

On the other hand, in one embodiment of the present invention, a simple and cost-saving payment agency service is provided by combining Internet Giro and CMS, but the payment request company 120 There may be a case where the balance amount is insufficient in the financial account of

In preparation for this case, the payment withdrawal unit 220 inquires the financial account of the payment requesting company 120 to check the balance amount, and based on the confirmed balance amount, the payment requesting company 120 A balance confirmation message may be sent to the management terminal of the user.

That is, the payment withdrawal unit 220 sends a balance confirmation message to the management terminal of the payment requesting company 120 when the balance amount of the financial account of the payment requesting company 120 is less than the payment amount. can ship

3 is a block diagram illustrating a detailed configuration of the bill payment agency server 110 of FIG. 1 according to another embodiment.

1 and 3, the payment proxy server 110 includes a tax information database (DB) unit 310, an Internet Giro issuance unit 320, a payment withdrawal unit 330, and a payment agency processing unit 340. ), agency history notification unit 350, and may be configured to include a control unit 360.

The tax information DB unit 310 is a storage medium for storing tax information (eg, sales, profits, capital, etc.) of the payment requesting company 120, and the tax information as well as the payment requesting company 120 It is possible to store additional information such as payment date information and financial account information by agency payment item (e.g. VAT/income tax, utility bill, salary, official fee, etc.)

The information stored in the tax information DB unit 310 may be provided from the payment requesting company 120 when the payment agency company enters into a contract with the payment requesting company 120 in advance.

The Internet Giro issuer 320 uses the tax information stored in the tax information DB unit 310 to provide Internet Giro information about the payment amount of the payment request company 120 from the Internet Giro site 140. can be issued.

That is, while the Internet Giro issuing unit 320 transmits the tax information stored in the tax information DB unit 310 to the Internet Giro site 140, the payment amount of the payment request company 120 You can request issuance of Internet Giro. The Internet Giro issuer 320 may receive the Internet Giro issuance from the Internet Giro site 140 in response to a request for issuance of the Internet Giro.

The payment withdrawal unit 330 transfers the payment amount of the payment requesting company 120 to the financial account of the payment requesting company 120 using the Internet Giro issued through the Internet Giro issuing unit 320. can be withdrawn from

To this end, it is preferable that the payment withdrawal unit 330 receives the public certificate of the payment requesting company 120 in advance from the payment requesting company 120, encrypts it, and stores it.

The payment withdrawal unit 330 may access the financial account of the payment requesting company 120 using the official certificate of the payment requesting company 120, and the payment requesting company 120's financial account. The payment amount of the payment request company 120 may be withdrawn from the account.

As such, in another embodiment of the present invention, an Internet Giro is issued using the tax information of the company 120 requesting the payment, and the payment is made from the financial account of the company 120 requesting the payment using the issued Internet Giro. By withdrawing the payment amount of the requesting company 120, it is possible to perform the act of withdrawing the payment amount for payment agency without a fee according to the account withdrawal compared to when using the existing CMS.

The payment agency processing unit 340 may process the withdrawal of the payment amount through the CMS 150 to the financial account of the payment target company 130 .

That is, the payment agency processing unit 340 accesses the server of the bank 160 through the CMS 150 to inquire the financial account of the payment target company 130, and the payment request company 120 The payment amount withdrawn from the financial account of can be remitted to the inquired financial account.

At this time, the payment agency processing unit 340, when the number of payment agency cases of the payment requesting company 120 is plural, by processing the payment amount of each of the plurality of payment agency cases individually to determine the payment of the payment target company 130 You can transfer money individually to your financial account.

However, in the case of processing the payment amount for each payment agency case individually, a method for reducing the fee is required because a fee is generated for each case. Therefore, in another embodiment of the present invention, it is preferable to collectively process the payment amounts of each of the payment agency cases instead of individually processing them.

That is, when the payment agency processing unit 340 has a plurality of payment agency cases of the payment requesting company 120, the payment amount of each of the plurality of payment agency cases is bundled and the payment target company 130 You can send money in bulk to your financial account.

In this way, according to another embodiment of the present invention, by processing the transfer amount of each payment amount of the payment requesting company 120 in a lump sum, a plurality of payment agency cases with a fee of the same amount as one individual processing Remittance processing can drastically reduce remittance fees.

The agency details notification unit 350 may write details related to the payment agency according to the remittance processing of the payment agency processing unit 340 and transmit them to the administrator terminal of the payment request company 120 .

The control unit 360 includes components according to another embodiment of the bill payment agency server 110, that is, the tax information DB unit 310, the Internet Giro issuing unit 320, and the payment withdrawal unit 330. ), it is possible to control the overall operation of the payment agency processing unit 340, the agency details notification unit 350, and the like.

The devices described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable array (FPA), It may be implemented using one or more general purpose or special purpose computers, such as a programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. A processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

FIG. 4 is a flowchart illustrating a method for paying bills by proxy using Internet Giro according to an embodiment of the present invention.

The payment agency method described here is only one embodiment of the present invention, and other than that, various steps may be added as needed, and the following steps may also be performed by changing the order, so that the present invention It is not limited to each step described in and its order. This can also be applied to other embodiments below.

Referring to FIGS. 1, 2 and 4, in step 410, the Internet Giro issuing unit 210 of the bill payment agency server 110 interlocks with the Internet Giro site 140 to obtain the Internet Giro site 140. An Internet Giro about the payment amount of the payment requesting company 120 may be issued from.

Next, in step 420, the payment withdrawal unit 220 of the payment agency server 110 transfers the payment amount of the payment requesting company 120 to the payment requesting company 120 using the Internet Giro. ) can be withdrawn from their financial account.

Next, in step 430, the payment agency processing unit 230 of the payment agency server 110 transfers the withdrawn payment amount to the financial account of the payment target company 130 through the CMS 150. can

Next, in step 440, the agency details notification unit 240 of the payment agency server 110 prepares the details related to the payment agency according to the remittance processing of the payment agency processing unit 230, and requests the payment It can be transmitted to the manager terminal of the company 120.

5 is a flowchart illustrating a method for paying bills by proxy using Internet Giro according to another embodiment of the present invention.

1, 3 and 5, in step 510, the tax information DB unit 310 of the bill payment agency server 110 may obtain and store tax information of the bill payment requesting company 120. there is.

Next, in step 520, the Internet Giro issuing unit 320 of the bill payment agency server 110 uses the tax information stored in the tax information DB unit 310 to obtain the Internet Giro site 140. An Internet Giro about the payment amount of the payment requesting company 120 may be issued from.

Next, in step 530, the payment withdrawal unit 330 of the payment agency server 110 transfers the payment amount of the payment requesting company 120 to the payment requesting company 120 using the Internet Giro. ) can be withdrawn from their financial account.

Next, in step 540, the payment agency processing unit 340 of the payment agency server 110 transfers the withdrawn payment amount to the financial account of the payment target company 130 through the CMS 150. can

Next, in step 550, the agency details notification unit 350 of the payment agency server 110 prepares the details related to the payment agency according to the remittance processing of the payment agency processing unit 340, and requests the payment It can be transmitted to the manager terminal of the 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, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to 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 and DVDs, and magnetic-optical media such as floptical disks. Included are 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 codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices 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 with limited examples and drawings, those skilled in the art can make various modifications and variations from the above description. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

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

110: Payment agency server
120: payment request company
130: Payment target company
140: Internet giro site
150: CMS
160: bank
210, 320: Internet Giro issuing unit
220, 330: payment withdrawal unit
230, 340: payment agency processing unit
240, 350: agency history notification unit
250, 360: control unit
310: tax information DB unit

Claims (3)

The Internet Giro Issuing Department that issues the Internet Giro on the payment amount of the company requesting payment from the Internet Giro site
a payment withdrawal unit for withdrawing the payment amount of the payment requesting company from a financial account of the payment requesting company by using the Internet Giro issued by the Internet Giro issuing unit; and
Payment agent processing unit that remits the payment amount to the financial account of the company subject to payment
A payment agency system using Internet Giro, comprising:
According to claim 1,
Tax information database unit that stores the tax information of the company requesting payment
Including more,
The Internet Giro Issuing Department
Using the tax information stored in the tax information database unit, the internet giro site issues an internet giro related to the payment amount of the payment request company.
According to claim 1,
The payment withdrawal department
The official certificate of the company requesting payment is received and stored in advance from the company requesting payment, and the payment is received from the financial account of the company requesting payment by accessing the financial account of the company requesting payment by using the accredited certificate. A payment agency system using Internet Giro, characterized in that the payment amount of the company requesting payment is withdrawn.

Images