KR20010008292A - The banking trade system utilizing the e-mail account and its trading method - Google Patents

Abstract

The present invention is a database corresponding to the actual bank account information corresponding to each member's email account, and in the case of various online and offline financial transactions, such as money transfer, billing, e-commerce, by entering an email ID instead of the account number corresponding to the actual email address Introduce the concept of personal financial information ID system to make account financial transactions, and send bills and online financial transaction results by e-mail, to prevent personal information leakage, to quickly verify financial transaction results, and to facilitate financial transactions It relates to a financial transaction system and a method of trading using an email account.

The present invention receives personally identifiable information including transaction bank account information from a PC 11 connected through a communication network 12, gives a member email account, and sends bills and financial transaction result mails to the member's email account. And e-mail server 10 that retains the information provided to the member itself and at the same time provide to the bansa server 22; Receive personal information from the PC 33 connected through the Internet banking site 31, give a member e-mail account, retain the information provided to the member and provide it to the bansa server 22 and receive the means. A bank server 34 which receives financial transaction application information of a transaction customer through 30; A real account DB 21 for storing actual bank account information for each email account received by the email server or the bank server; A van company server 22 for searching for a real account according to an e-mail account at the request of the bank server and performing a financial transaction with the found real account; It is characterized in that it comprises another bank server 23 connected to the bansa server for real account financial transactions.

Description

The banking trade system utilizing the e-mail account and its trading method}

The present invention relates to a financial transaction system using an email account and a method of trading the same, and more specifically, to a database of actual bank account information corresponding to a member-specific email account, and online and such as remittance, billing, and e-commerce. Introduce the concept of personal financial information ID system that allows the financial transactions of real accounts corresponding to the above e-mail ID by entering e-mail ID instead of account number for various financial transactions in the offline manner, and send invoices and online financial transaction results by e-mail. The present invention relates to a financial transaction system using an e-mail account that prevents personal information leakage, quickly confirms financial transaction results, and facilitates financial transaction.

Recently, with the formation of the financial common network, online remittance and payment settlement between banks is possible. As a result, bank users can transfer money to a bank account of a desired person using a nearby bank or use direct debit services such as various living charges, as well as electronic commerce.

In addition, with the development of communication technology, bank users can access their bank sites directly through the Internet or select the desired service without visiting the bank through ARS provided by the bank, and view the banking services accordingly. .

In the conventional financial transaction process, when a certain amount of money is remitted to another person's account, the remitter first visits the bank in which he or she transacts, dials a phone banking center, or accesses an Internet banking site. Enter various security measures, such as your withdrawal account number and password, and apply for bank transfer by entering the recipient's name, the recipient's bank name, account number, and remittance amount.

Thereafter, the remittance amount requested from the remitter's withdrawal account is deposited into the recipient's bank account. Then, the payee visits the bank from time to time or accesses the ARS or Internet banking site to check the deposit result through the balance check.

In addition, the electronic commerce process through the Internet in the conventional financial transaction process is as follows.

First, when a purchaser visits an Internet shopping mall provided by a merchandise seller, orders the desired merchandise, pays for the merchandise using a credit card, or remits the merchandise to the representative bank account of the merchandise vendor, After confirming the payment, the company sent the order to the buyer.

In the above, when the buyer pays for the goods, he directly accesses his bank account and transfers the goods from his withdrawal account to the goods seller's account.

As described above, the conventional financial transaction method requires inputting a withdrawal account number and a password and entering a payee's name, a payee's bank name and an account number for remittance or payment of goods. There is a risk, and the transaction is possible only if the recipient's name and account number are known, which is cumbersome, and the recipient has a problem of frequently checking his or her bank account to confirm the deposit result.

An object of the present invention for solving the above problems is to use a financial transaction system and its trading method, that is, the actual bank account information corresponding to the member's email account in all personal financial transactions can use the email ID as a personal identification number The concept of the personal financial information ID system is to make a database and perform a financial transaction of a real account corresponding to the email ID by inputting an email ID instead of an account number for various online and offline financial transactions such as wire transfer, billing, and e-commerce. It provides a financial transaction system and its trading method using an e-mail account to prevent personal information leaks, to quickly check the financial transaction results, and to make simple financial transactions by sending emails of invoices and online financial transaction results. have.

1 is a block diagram of a financial transaction system using an email account according to a first embodiment of the present invention;

2 is a flowchart illustrating an embodiment of a remittance process by the system of FIG. 1;

3 is a flowchart illustrating a process of remittance through offline;

4 is a flowchart illustrating a billing and receiving process by the system of FIG. 1;

5 is a flowchart illustrating a process of sending and receiving an invoice through offline;

6 is a block diagram of a financial transaction system using an email account according to a second embodiment of the present invention;

7 is a flowchart illustrating an e-commerce process by the system of FIG. 6;

8 is a block diagram of a financial transaction system using an email account according to a third embodiment of the present invention;

9 is a flow chart showing an auction transaction process by the system of FIG.

<Explanation of symbols for main parts of drawing>

10: email server 11, 33, 41, 44: PC

12: communication network 13, 35: member DB

21: Real Account DB 22: Van company server

23: another bank server 30: receiving means

31: Internet banking site 32: Terminal

34: bank server 42: Internet shopping mall

43: dealer server 45: Internet auction site

46: Auction Server

In order to achieve the above object as well as other objects that are easily expressed, the present invention is provided with personally identifiable information including a bank account information from a PC connected through a communication network and given a member e-mail account, and a bill and a financial transaction result mail. An e-mail server that sends the e-mail to the member's e-mail account and provides the bansa server with its own information; Receive personal information from a PC connected through an internet banking site, grant a member's email account, retain the information provided by the member, provide it to the bansa server, and provide financial transaction application information of the transaction customer through the receiving means. Bank server receiving the; A real account DB for storing actual bank account information for each email account received by the email server or the bank server; A van company server for searching a real account according to an e-mail account at the request of the bank server and performing a financial transaction with the found real account; Characterized in that it comprises another bank server connected to the bansa server for real account financial transactions.

The present invention also provides a first step of authenticating a member ID connected to a bank server; Outputting a holding account selection window for each member ID; Outputting a service selection window of the selected account; A fourth step of determining whether a remittance service is selected; A fifth step of determining whether remittance service is selected in the fourth step, whether the transfer is between companions or the transfer between others; A sixth step of transmitting remittance information for each member ID to the bansa server in the case of another line transfer; A seventh step of retrieving the real account according to the recipient's e-mail account from the remittance information and transferring the remittance amount to the real account retrieved from the selected account of the member ID; An eighth step of sending and ending the remittance email to the recipient's email account; A ninth step of performing remittance processing through a DB of an own bank in the case of mutual transfer in the fifth step; In the fourth step, if the transfer service is not selected, the method comprises a tenth step of processing by moving to the other selection service window.

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

1 is a block diagram of a financial transaction system using an e-mail account according to a first embodiment of the present invention, and provides personal information including transaction bank account information from a PC 11 connected through a communication network 12. An e-mail server 10 which receives a member e-mail account, sends an invoice and a financial transaction result e-mail to the e-mail account of the member, and retains the information provided to the member and provides the bansa server 22 to the bansa server 22; Receive personal information from the PC 33 connected through the Internet banking site 31, give a member e-mail account, retain the information provided to the member and provide it to the bansa server 22 and receive the means. A bank server 34 which receives financial transaction application information of a transaction customer through 30; A real account DB 21 for storing actual bank account information for each e-mail account received by the e-mail server 10 or the bank server 34; A van company server 22 for searching for a real account according to an e-mail account at the request of the bank server 34 and performing a financial transaction with the found real account; Another bank server 23 is connected to the bansa server 22 for a real account financial transaction.

In addition, each of the e-mail server 10 and the bank server 34 is additionally included member DB (13, 35) for storing personal information for each member ID, while the member DB (35) has only the information of travel The member DB 13 may have any bank information without any limitation, and the information of the member DB 13 of the email server 10 and the member DB 35 of the bank server 34 may be stored in a bansa server ( It is transmitted to the 22) to configure the real account DB (21) and at the same time to hold the information itself to enable customer management.

The accepting means 30 for providing the financial transaction application information of the transaction customer to the bank server 34 includes an internet banking site 31 provided by the bank server 34 and a terminal 32 installed at a bank branch. Of course, it also includes a terminal (not shown) of the bank teller.

In addition, the financial transaction application information of the transaction customer includes remittance information including the recipient's e-mail account and the remittance amount, or billing information including the applicant's e-mail account and the remittance amount.

The operation of the financial transaction system using the email account configured as described above will be described with reference to FIGS.

2 is a flowchart illustrating an embodiment of a remittance process by the system of FIG. 1.

First, when a user accesses the Internet banking site 31 of a bank with which he / she is trading using a PC 33 and inputs a member ID and a password, the bank server 34 determines whether the input ID is a member ID. If it is determined that the member ID is not a member request to join and return, and if the member ID to print the account held by the member ID to select the desired account.

Thereafter, a service selection window for the selected account is output, and when a money transfer service is selected among the services, a money transfer information input window is output. After that, when the member completes input of the remittance information, check whether the payee is registered as a member by checking the payee, and if the member is registered as a member, check whether the remittance is between the same or the other. In this case, the remittance information is transmitted to the bansa server 22, and in the case of mutual remittance, the remittance processing is performed through the DB of the bank itself.

Here, the remittance information includes the recipient's email account, remittance amount and remittance message.

However, if the payee is not a member, send a mail to the recipient, and if the payee joins as a member, proceed to the next step. If the payee does not become a member, notify the client and terminate the request. .

Bansa server 22 retrieves the real account according to the recipient's e-mail account from the real account DB 21 in the transferred remittance information, and transfers the transfer amount to the real account of the remittee retrieved from the selected account of the member ID. The result information is transmitted to the email server 10.

Thereafter, the email server 10 sends the remittance email including the remittance message to the recipient's email account and terminates. At this time, e-mail may contain important information such as personal financial transaction details, so adopt a certification system that guarantees that personal information data of customers are not leaked or stolen. In particular, the present invention introduced and used a certificate-based public key method (PKI) encryption for electronic transactions.

On the other hand, if the remittance service is not selected in the service selection window for the member's selected account, and moves to the other selected service window and performs the corresponding process and ends.

3 is a flowchart illustrating a remittance process through offline.

First, when a customer visits a bank in which he / she is trading and inputs remittance information through a terminal (not shown), the bank server 34 checks whether it is a transaction with another party or a transaction between other parties, The remittance information is transmitted to the bansa server 22.

In the case of transactions between partners, remittance is processed through its own DB.

Here, the remittance information includes the recipient's email account, remittance amount and remittance message.

Bansa server 22 retrieves the real account according to the recipient's e-mail account from the real account DB 21 in the transferred remittance information, and transfers the transfer amount to the real account of the remittee retrieved from the selected account of the member ID. The result information is transmitted to the email server 10.

Thereafter, the email server 10 sends the remittance email including the remittance message to the recipient's email account and terminates.

4 is a flowchart illustrating a billing and receiving process by the system of FIG. 1.

As shown in the figure, first, when a user accesses an internet banking site 31 of a bank with which he / she is trading using a PC 33 and inputs a member ID and a password, the bank server 34 determines that the input ID is a member. If it is not a member ID, it determines whether it is an ID and requests a subscription and returns it. If it is a member ID, a service selection window is displayed.

If the billing service is selected from the service selection window, the bill making window is output to generate a bill using an e-mail account, and when the bill is completed, the bill is sent to the payer's e-mail account.

Here, the invoice includes the claimant's email account, the amount charged, the payer's email account, the billing message, and the like.

Thereafter, the payer who receives the bill inputs and transmits payment information for approving the payment of the bill. Here, the payment information transmitted by the payer may include an email account of the claimant, a payment amount, and an email account of the payer, and the payment information may be transmitted by a payment information input window provided by the email server 10. have.

The e-mail server 10 transmits the payment information of the payer to the bansa server 22, and the bansa server 22 searches the real account according to the e-mail account of the payer and the claimant of the payment information in the real account DB 21. Then, the payment amount (billing amount) is transferred from the payer's real account to the claimant's real account and terminated.

If the billing service is not selected in the service selection window, the service proceeds to the other selected service window and terminates.

On the other hand, the invoice may be made offline and sent to the payer by mail.

That is, FIG. 5 is a flowchart illustrating a process of sending and receiving an invoice through offline, wherein the invoice applicant goes to a bank window and uses a bank joint e-mail account as a personal Jiro number. The bank sends the invoice to the payers by mail, the payers pay the bills by giro through the financial institutions, and the deposit processing process proceeds in the same way as the normal bills. .

FIG. 6 is a block diagram of a financial transaction system using an e-mail account according to a second embodiment of the present invention, and the sales company server 43 that receives item order information from a PC 41 connected through an internet shopping mall 42. And receive personally identifiable information including transaction bank account information from the PC 11 connected through the communication network 12, assign a member ID (email account), and link with the sales company server 43 to connect the PC. (10) an e-mail server 10 for receiving payment information for goods and sending financial transaction result e-mails to the e-mail account of the member, and actual bank account information for each member ID received by the e-mail server or the bank server; Real account DB (21) for storing the, Van (VAN) company server 22 to search for the real account according to the e-mail account according to the request of the e-mail server 10, and perform a financial transaction with the retrieved real account Wow, real account finance A bank server 24 connected to the bansa server for sale.

In addition, the e-mail server 10 further includes a member DB 13 for storing personal identification information for each member ID, all the information of the member DB 13 of the e-mail server 10 is Bansa server 22 It is transmitted to the to configure the real account DB (21) and at the same time to hold the information itself to enable customer management.

In addition, the goods payment information includes the seller's email account, the buyer's email account, the goods price.

Referring to Figure 7 describes the operation of the financial transaction system using the email account configured as described above.

FIG. 7 is a flowchart illustrating an e-commerce process by the system of FIG. 6.

First, when a consumer connects to the Internet shopping mall 42 and orders an item through the PC 41, the sales company server 43 receives the order information and links to the e-mail server 10.

Here, the link connection with the e-mail server 10 may be made by clicking the e-mail server 10 connection window floating in the banner state on the Internet shopping mall 42 provided by the sales company server 43.

After that, the e-mail server 10 linked to the sales company server 43 outputs the item payment information input window to the PC 41. In the payment information input window, the buyer's email account, the seller's email account, and the price of goods are input.

Thereafter, when the payment information input is completed by the buyer, the payment information is transmitted to the bansa server 22, and the bansa server 22 according to the e-mail account of the buyer and seller in the payment information in the real account DB 21. After retrieving the real account and transferring the goods price from the real account of the buyer to the real account of the seller, the goods price payment result information is transmitted to the e-mail server 10. The email server 10 sends a transaction confirmation mail to the buyer's email account according to the payment result information of the goods and ends.

8 is a block diagram of a financial transaction system using an e-mail account according to a third embodiment of the present invention. The auction company server 46 receives auction auction information from a PC 44 connected through an internet auction site 45. And personal information including transaction bank account information from the PC 11 connected through the communication network 12 and granting a member ID (email account), the auction bill from the auction company server 43 To the e-mail account of the successful bidder, the e-mail server 10 for sending the financial transaction result e-mail to the e-mail account of the member, and a room for storing actual bank account information for each member ID received by the e-mail server or the bank server. The account DB 21, a van company server 22 that searches for a real account according to an e-mail account at the request of the e-mail server 10, and performs a financial transaction with the retrieved real account, and a real account. finance For the future and a bank server 24 coupled to the baensa server.

In addition, the e-mail server 10 further includes a member DB 13 for storing personal identification information for each member ID, all the information of the member DB 13 of the e-mail server 10 is Bansa server 22 It is transmitted to the to configure the real account DB (21) and at the same time to hold the information itself to enable customer management.

In addition, the auction bill includes the auction company's email account, the successful bidder's email account, auction price.

The operation of the financial transaction system using the email account configured as described above will be described with reference to FIG.

9 is a flowchart illustrating an auction transaction process by the system of FIG. 8.

In the drawing, first, when a user accesses an internet auction site 45 through a PC 44, enters an e-mail account, an auction amount, and the like and participates in an auction, the auction company server 46 receives the successful bid information when the auction is successful. The email server 10 transmits the auction bill to the email account of the successful bidder.

The successful bidder connects to the e-mail server 10 by the PC 11 through the communication network 12, receives the auction bill and transmits the bill payment information.

The billing payment information may be transmitted by a payment information input window provided by the email server 10, and the billing payment information includes an email account of a successful bidder, a bill amount, and an email account of an auction company.

Thereafter, the email server 10 transmits the billing payment information to the bansa server 22, and the bansa server 22 searches the real account according to the e-mail account of the successful bidder and the auction company in the real account DB 21. In addition, the auction price is transferred from the real account of the successful bidder to the real account of the auction company, and the payment result is transmitted to the e-mail server 10.

The e-mail server 10 sends a transaction confirmation mail to the e-mail account of the successful bidder according to the payment result and ends.

By the above process, a quick and simple auction transaction will be made.

As described above, the present invention is a database for the financial transaction system and its transaction method, that is, the e-mail account for each member that can use the email ID as a personal identification number in all personal financial transactions, the database, In the case of various online and offline financial transactions such as remittance, billing, and e-commerce, we introduce the concept of personal financial information ID system to input the email ID instead of the account number so that the financial transaction of the real account corresponding to the email ID can be performed. And by sending the results of the online financial transaction by email, it is possible to prevent personal information leakage, to quickly check the financial transaction results, and to perform simple financial transactions.

Claims (15)

Receive personal information including transaction bank account information from the PC 11 connected through the communication network 12, grant a member email account, send bills and financial transaction result mails to the member's email account, E-mail server 10 that holds the information provided by itself and provides to the bansa server 22 at the same time; Receive personal information from the PC 33 connected through the Internet banking site 31, give a member e-mail account, retain the information provided to the member and provide it to the bansa server 22 and receive the means. A bank server 34 which receives financial transaction application information of a transaction customer through 30; A real account DB 21 for storing actual bank account information for each email account received by the email server or the bank server; A van company server 22 for searching for a real account according to an e-mail account at the request of the bank server and performing a financial transaction with the found real account; A financial transaction system using an e-mail account, comprising another bank server (23) connected to the bansa server for a real account financial transaction. According to claim 1, wherein each of the e-mail server 10 and the bank server 34 further includes a member DB (13, 35) for storing personal information for each member ID, the member DB (35) While only having information, the member DB 13 can have any bank information without any limitation, and the member DB 13 of the email server 10 and the information of the member DB 35 of the bank server 34. Is transferred to the bansa server 22 to configure the real account DB (21) and at the same time retaining information on its own, the financial transaction system using an email account, characterized in that to enable customer management. The method of claim 1, wherein the accepting means 30 is any one of an Internet banking site 31 provided by the bank server 34, a terminal 32 installed at a bank branch, and a terminal of a bank teller. Financial transaction system using an email account. The financial transaction system using an e-mail account according to claim 1, wherein the financial transaction application information received by the receiving means includes remittance application information and bill sending application information. 2. The e-mail account according to claim 1, wherein the e-mail server 10 further accesses a sales company server 43 for receiving goods order information from a PC 41 connected through an internet shopping mall 42. Financial transaction system. The e-mail account according to claim 1, wherein the e-mail server 10 further accesses an auction company server 46 which receives auction bidding information from a PC 44 connected through an internet auction site 45. Financial transaction system. It is characterized in that the actual bank account information corresponding to the e-mail account for each member is made into a database, and in the case of various online and offline financial transactions, an e-mail ID is input instead of an account number to perform a financial transaction of the real account corresponding to the e-mail ID. Financial transaction method using email account. A first step of authenticating a member ID connected to the bank server; Outputting a holding account selection window for each member ID; Outputting a service selection window of the selected account; A fourth step of determining whether a remittance service is selected; A fifth step of determining whether remittance service is selected in the fourth step, whether the transfer is between companions or the transfer between others; A sixth step of transmitting remittance information for each member ID to the bansa server in the case of another line transfer; A seventh step of retrieving the real account according to the recipient's e-mail account from the remittance information and transferring the remittance amount to the real account retrieved from the selected account of the member ID; An eighth step of sending and ending the remittance email to the recipient's email account; A ninth step of performing remittance processing through a DB of an own bank in the case of mutual transfer in the fifth step; In the fourth step, if the transfer service is not selected, the financial transaction method using the e-mail account, characterized in that it comprises a tenth step of processing by moving to the other selection service window. 10. The method of claim 8, wherein the remittance information includes an e-mail account, a remittance amount, and a remittance message of a payee. 10. The method of claim 8, wherein the e-mail is sent as a secure e-mail by introducing a certificate-based public key method (PKI) encryption for electronic transactions, which adopts an authentication system that guarantees that personal information data of a customer is not leaked or stolen. Financial transaction method using an email account, characterized in that. A first step of authenticating a member ID connected to the bank server; Outputting a service selection window; A third step of determining whether a billing service is selected; A fourth step of creating a bill and sending it to the payer's e-mail account when the billing service is selected in the third step; A fifth step of transmitting payment information about the bill inputted by a payer to a bansa server; A sixth step of searching for a real account according to the payer and the claimant's e-mail account, transferring and ending the charge from the payer's real account to the claimant's real account; And a seventh step of moving to another selection service, processing, and terminating if the billing service is not selected in the third step. 12. The financial transaction method of claim 11, wherein the payment information comprises a payer's email account, a bill amount, and a claimant's email account. When the applicant for the billing issue goes to the bank window and uses the bank joint e-mail account as his / her personal number to apply for the invoice, the bank sends the bill to the payer by mail, and the payer uses the financial institution to pay the bill. The payment is made, and the payment processing is performed in the same manner as the general Jiro process. A first step in which the buyer orders the goods by accessing the seller's Internet shopping mall; A second step of the buyer linking to the e-mail server and inputting payment information for goods including the e-mail account of the buyer, the price of the goods, and the e-mail account of the seller; A third step of the bansa server searching the real account according to the buyer's and the seller's e-mail account according to the payment information and transferring the goods price from the buyer's real account to the seller's real account; And a fourth step of sending a transaction confirmation email to the buyer's email account. A first step in which an auctioneer accesses an auction company's internet auction site and provides personal information and participates in an auction; A second step of sending an auction bill to the successful bidder's email account if the auction is successful; A third step of the successful bidder accessing the email server and inputting auction payment information including an email account of the successful bidder, auction price, and an auction company's email account; A fourth step of the bansa server searching the real account according to the successful bidder and the auction company's e-mail account according to the payment information and transferring the auction price from the successful bidder's real account to the real account of the auction company; And a fifth step of sending a transaction confirmation mail to an e-mail account of the successful bidder.