KR101171096B1 - Method and system for providing online payment service of car registration costs - Google Patents

Method and system for providing online payment service of car registration costs Download PDF

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Publication number
KR101171096B1
KR101171096B1 KR1020100045609A KR20100045609A KR101171096B1 KR 101171096 B1 KR101171096 B1 KR 101171096B1 KR 1020100045609 A KR1020100045609 A KR 1020100045609A KR 20100045609 A KR20100045609 A KR 20100045609A KR 101171096 B1 KR101171096 B1 KR 101171096B1
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bond
financial institution
payment
account
registration fee
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KR1020100045609A
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Korean (ko)
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KR20110125954A (en
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강종헌
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주식회사 씨엘엠앤에스
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
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  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a method and a system for providing a vehicle registration fee online storage service, and more particularly, to a method for providing a vehicle registration cost online storage service, which enables a civilian to process costs for various registration tasks of a vehicle online. It is about the system.
According to the present invention, the civil petitioner can pay various registration fees related to automobiles online at a time by using a payment account, and the civil petitioner visits the registry office and the bank in person offline and variously related to automobile registration. This can reduce the cumbersome process of filing and paying documents.

Description

METHOD AND SYSTEM FOR PROVIDING ONLINE PAYMENT SERVICE OF CAR REGISTRATION COSTS}

The present invention relates to a method and a system for providing a vehicle registration fee online storage service, and more particularly, to a method for providing a vehicle registration cost online storage service, which enables a civilian to process costs for various registration tasks of a vehicle online. It's about the system.

Conventionally, in paying the registration fee when registering a car, a civil petitioner submits the required documents by visiting the registrar's office directly. As a result, the complainant pays the registration fee by visiting the bank, and the bank issues a receipt after the receipt of the fee, and the complainant is sent to the registrar for confirmation of payment. In addition, banks will pay for each account separately. As such, all processes related to payment of registration fees are handled by direct visits and direct payments.

The present invention was devised to solve such a problem, and by using a paying account, the civil petitioner can pay various registration fees related to automobiles online at one time. The goal is to reduce the hassle of submitting and paying various documents related to car registration.

In order to achieve the above object, the financial institution system according to the present invention provides a car registration fee online storage service, (a) a system for providing a service for storing the online registration-related costs (hereinafter 'automobile Receiving cost information including a tax to be paid when purchasing a car of a specific car buyer; (b) setting a paying virtual account for storing the costs and transmitting the set virtual account information to the vehicle registration fee online storing service system; (c) receiving the fee payment into the virtual account; (d) splitting the deposited payment into an account designated for each type of expense including registration tax and acquisition tax; And (e) transmitting a payment completion notice for the fee to the vehicle registration fee online storage service system. In step (a), the cost information received from the vehicle registration fee online storage service system includes: Further comprising bond related information to be purchased by the automobile buyer, and before the step (a), (a01) receiving an inquiry request for a discount rate of a bond to be purchased when purchasing a car from the online vehicle registration service system; And (a02) notifying a bond discount rate to the vehicle registration fee online storage service system. When the financial institution is a bond acceptance financial institution, the bond payment is made from the amount deposited in the step (c). In (d), if the account is transferred to a bond payment designated account and the financial institution is not a bond collection bank, the account of the person who operates the automobile registration fee online storage service system as a bond collection financial institution (hereinafter referred to as 'agent account') Transfer the bonds to the agent account of another financial institution in which
In the step (e), the payment completion notice for the cost may include the payment details of the bond payment.

According to another aspect of the present invention, a financial institution system for providing a vehicle registration fee online storage service is a system that provides a service for storing and processing online all costs related to vehicle registration (hereinafter, referred to as an automobile registration cost online storage service system). A vehicle registration cost information receiving module for receiving cost information including a tax to be paid when purchasing a car of a specific car buyer; A virtual account setting module for setting a payment virtual account for the cost storing and transmitting the set virtual account information to the vehicle registration fee online storing service system; An deposit receiving module for receiving the payment amount into the virtual account; A splitting module for splitting the deposited payment into an account designated for each type of cost including a registration tax and an acquisition tax; A payment completion notification module for transmitting a payment completion notice for the cost to the vehicle registration fee online storage service system; An account database for storing each account information of the traders; And a control unit controlling the respective modules and the database to provide the vehicle registration fee online storing service according to claim 5, wherein the cost information received from the vehicle registration fee online storing service system includes information related to bonds to be purchased by the automobile buyer. It further includes a bond discount information providing module for receiving an inquiry request for the discount rate of bonds to be purchased when purchasing a car from the car registration fee online storage service system and notifying the bond discount rate to the car registration cost online storage service system. In the case where the financial institution is a bond accepting financial institution, the bond processing unit transfers a bond payment among the deposited amounts to a bond paying designated account, and if the financial institution is not a bond storing bank, Said auto as engine As the representative account of other financial institutions (hereinafter referred to as "agent accounts") registration for online storage service system administrator account is set to include the ability to wire transfer the bond payments.
The notice of payment completion for the cost may include a confirmation of payment of the bond price.

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According to the present invention, the civil petitioner can pay various registration fees related to automobiles online at a time by using a payment account, and the civil petitioner visits the registry office and the bank in person offline and variously related to automobile registration. This can reduce the cumbersome process of filing and paying documents.

1 is a diagram showing a network configuration for providing a car registration fee online storing service.
2 is a diagram illustrating a configuration of an automobile registration fee online storing service system.
3 is a diagram illustrating a configuration of a financial institution system that provides a vehicle registration fee online storing service.
4 illustrates a sequence as an embodiment of providing an automobile registration fee online storing service;
Fig. 5 shows a sequence as another embodiment of providing an automobile registration fee online storing service.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary terms, and the inventor should appropriately interpret the concepts of the terms appropriately It should be interpreted in accordance with the meaning and concept consistent with the technical idea of the present invention based on the principle that it can be defined. Therefore, the embodiments described in this specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention and do not represent all the technical ideas of the present invention. Therefore, It is to be understood that equivalents and modifications are possible.

1 is a diagram illustrating a network configuration for providing an automobile registration fee online storing service.

The automobile purchaser may apply for a vehicle registration fee storage service request by accessing the vehicle registration fee online storage service system 100 from his terminal 10. The terminal 10 may be a mobile terminal 11, a PC 12, and the like, and accordingly, the vehicle registration fee online storage service system 100 may be provided through a mobile communication network 500, an information communication network 600 such as the Internet, and the like. You will be connected to The vehicle registration fee online storing service system 100 provides a series of online services related to such vehicle registration fee storing online. The financial institution system 200 is a system that is operated by a bank to pay taxes, bonds, etc. imposed when applying for an automobile registration. The financial institution system 200 may set a virtual account so that the civilian may pay the expenses such as taxes. The vehicle registration administration authority system 300 is a system operated by an administrative agency that performs various processes related to vehicle registration. Bond storage financial institution system 400 is a financial institution that finally receives bond payments as bond bond banks for each region. That is, when the financial institution 200 in which the account of the automobile registration fee online storage service system 100, in which the automobile buyer deposits a fee, is opened does not correspond to a regional bond collection bank, the bond collection financial institution 400 is the financial institution. After receiving the bond payment from the account 200 to the account of the vehicle registration fee online storage service system 100, the bond payment is re-transmitted to the bond payment designation account of the bond receiving financial institution 400 and pays the bond payment. Of course, if the financial institution 200 corresponds to a regional bond receiving bank, such a process is not necessary, and the bond payment is paid by transferring the account to the designated bond payment account of the own 200 immediately after the payment. As described above, the process of processing the on-line registration service for the vehicle registration fee between the network entities will be described in detail with reference to FIGS. 4 and 5.

2 is a diagram illustrating a configuration of an automobile registration fee online storage service system 100.

The controller 110 controls each component of the vehicle registration fee online storing service system 100 to perform a series of processes related to providing an automobile registration fee online storing service.

The portal service module 120 provides a portal service for providing a vehicle registration fee online storage service.

The vehicle registration cost receiving service receiving module 130 receives a vehicle registration fee storing service request from the automobile purchaser terminal 10.

The cost information providing module 140 transmits a cost calculation request including a tax to be paid to an administrative agency in charge of the automobile registration service, that is, a vehicle registration administration authority system 300, and receives the request from the vehicle registration administration authority system 300. The calculated cost information is received and provided to the vehicle purchaser terminal 10. The cost information may include registration tax, acquisition tax, stamp rent, certificate of rent, fines, fees, etc., and may further include bond payments to be purchased when purchasing a car.

The account information providing module 150 transmits such cost information to a system operated by a financial institution in charge of storing costs, that is, the financial institution system 200, and the payment information set for storing the expenses from the financial institution system 200. Receive the virtual account information and provide it to the car buyer terminal (10).

When the automobile buyer completes the payment to the financial institution system 200 for the cost, the financial institution system 200 notifies the vehicle registration fee online storing service system 100 to issue the electronic receipt and issues the automobile registration fee. To the on-line storage service system 100. At this time, the payment notification module 160 receives such a payment completion notice for the cost from the financial institution system 200 and then sends a payment confirmation notice to the vehicle registration administration institution system 300 and the vehicle purchaser terminal 10. send.

In the case of the payment of the bonds, the payment completion notice from the financial institution system 200 includes the details of the payment of the bonds, and accordingly, the payment confirmation transmitted to the vehicle registration administration institution system 300 and the vehicle purchaser terminal 10. The notice may also include a payment confirmation.

Meanwhile, the bond discount information acquisition module 170 may be further included, and the bond discount information acquisition module 170 may bond to the financial institution system 200 before transmitting the cost information to the financial institution system 200. Inquires about the discount rate are sent and the bond discount rate is informed accordingly.

3 is a diagram illustrating a configuration of a financial institution system 200 that provides a vehicle registration fee online storing service.

The controller 210 controls each component of the financial institution system 200 to perform a series of processes related to providing a car registration fee online storage service.

The vehicle registration cost information receiving module 220 receives cost information including a tax to be paid when purchasing a car of a specific automobile buyer from the vehicle registration cost online storing service system 100. In this case, the cost information received from the car registration fee online storing service system 100 may further include bond related information that the car buyer will purchase together with the purchase of the car.

The virtual account setting module 230 sets a payment virtual account so that a car buyer can pay these costs, and transmits the set virtual account information to the vehicle registration fee online storing service system 100.

The deposit receiving module 240 receives the payment of the cost of the buyer to the virtual account. The amount to be deposited is deposited into the account of the agent, namely, the person who operates the automobile registration fee online storage service system 100, which is opened in the financial institution 200 through the virtual account.

The account database 250 stores the account information of each trader.

The division processing module 260 divides the above-explained payment amount into the account designated for each type of expense including various taxes. The fees paid may include registration taxes, acquisition taxes, stamp fees, certificate fees, penalties, fees, etc., and may further include bond payments that must be purchased when purchasing a car. When the financial institution 200 is a bond accepting financial institution in the region, the bond payment of the deposited amount may be directly transferred to the bond payment designation account of the financial institution system 200.

If the financial institution 200 is not a bond accepting financial institution, an account (hereinafter referred to as an agent account) of a person who operates the automobile registration fee online storage service system 100 as a bond accepting financial institution is opened. The bond money can be transferred to the agent account of another financial institution 400. After that, the financial institution, that is, the bond receiving financial institution system 400 directly transfers the bond payment received from the bank transfer to the designated bond payment account of their own 400 to pay the bond payment.

The payment completion notification module 270 transmits the payment completion notice for the cost to the vehicle registration fee online storing service system 100. Such payment completion notice may include a confirmation of payment of the bond payment.

Bond discount information providing module 280 receives an inquiry request for the discount rate of the bond to be purchased at the time of purchase of the car from the car registration fee online storage service system 100 and calculates a bond discount rate to the car registration cost online storage service system 100. Notify.

4 is a diagram illustrating a sequence as an embodiment of providing an automobile registration fee online storing service.

This figure shows an example in which the financial institution 200 is a bond accepting financial institution in the region.

When the car registration cost online storage service system 100 receives a car registration cost storage service request from the car purchaser terminal 10 (S401), the cost calculation request including the tax to be paid to the car registration administration institution system 300 is provided. Is transmitted (S402). The vehicle registration administration authority system 300 calculates a fee to be paid (S403) and transmits the calculated cost information to the vehicle registration fee online storing service system 100 (S404). At this time, the car registration fee online storage service system 100 may send an inquiry request for the discount rate of the bond to be purchased at the time of purchase of the car to the financial institution system 200 (S405), and the financial institution system 200 stores the car registration fee online. The bond discount rate may be notified to the service system 100 (S406). The vehicle registration cost online storing service system 100 transmits the cost information received from the vehicle registration administration institution system 300 to the financial institution system 200 in charge of storing the expenses (S407). The financial institution system 200 sets up a virtual account for payment (S408), and sends the payment virtual account information to the car registration fee online storage service system 100 (S409). This is transmitted to the vehicle buyer terminal 10 (S410). When the automobile buyer pays the cost to the virtual account, the amount of the deposit is transferred to the account of the agent operating the online registration service system 100 of the agent, which is opened in the financial institution 200 through the virtual account. Deposited (S411). The financial institution system 200 divides the payment amount of the payment received into the account designated for each type of expense including various taxes (S412). The fees paid may include registration taxes, acquisition taxes, stamp fees, certificate fees, penalties, fees, etc., and may further include bond payments that must be purchased when purchasing a car. When the financial institution 200 is a bond accepting financial institution in the region, it is possible to directly transfer the bond payments from the deposited amount to the bond payment designation account of the financial institution system 200 (S413). The vehicle registration fee online storage service system 100 receives a payment completion notice for the cost from the financial institution system 200 (S414), and sends it to the vehicle registration administration institution system 300 and the automobile purchaser terminal 10. The payment confirmation notice is transmitted (S415). The payment completion notice includes the details of the payment of the bond payment, and thus the payment confirmation notice is also included in the payment confirmation notice to the automobile registration administration institution system 300 and the vehicle purchaser terminal 10.

FIG. 5 is a diagram illustrating a sequence as another embodiment of providing an automobile registration fee online storing service.

This figure shows an embodiment in which the financial institution 200 is not a bond acceptance financial institution in the region. That is, in this case, the other process is the same as in the case of Figure 4, the difference is the bond collection financial institution 400, the account (agent account) of the person who operates the car registration fee online storage service system 100 is set In the agent account of another financial institution 400, the bond payment received from the buyer is transferred to the account (S513).

Bond receiving financial institution system 400 is a financial institution that finally receives bond payments as regional bond receiving financial institutions. When the financial institution 200 in which the account of the automobile registration fee online storage service system 100 in which the automobile buyer deposits a fee is opened does not correspond to a regional bond collection bank, the bond collection financial institution 400 performs the financing. After receiving the transfer of the bonds from the institution 200 to the account of the operator of the vehicle registration fee online storage service system 100 (S513), the account transfers to the bonds collection account of the bonds collection financial institution 400 (S514). You will pay.

100: Online registration service system for car registration fee
110: control unit 120: portal service module
130: vehicle registration fee storage service receiving module 140: cost information providing module
150: account information providing module 160: payment notice module
170: bond discount information acquisition module
200: financial institution system
210: control unit 220: vehicle registration cost information receiving module
230: virtual account setting module 240: deposit receiving module
250: account database 260: split processing module
270: payment completion notification module 280: bond discount information providing module
300: Automobile registration administration system 400: Bond collection financial institution system
500: mobile communication network 600: information communication network

Claims (18)

delete delete delete delete As a financial institution system provides a car registration fee online storage service,
(a) Receive cost information, including the tax to be paid for the purchase of a specific car, from a system that provides a service for storing and processing online all costs related to vehicle registration online (hereinafter referred to as an 'automatic registration service system for automobile registration costs'). Making;
(b) setting a paying virtual account for storing the costs and transmitting the set virtual account information to the vehicle registration fee online storing service system;
(c) receiving the fee payment into the virtual account;
(d) splitting the deposited payment into an account designated for each type of expense including registration tax and acquisition tax; And
(e) transmitting a payment completion notice for the cost to the vehicle registration fee online storage service system;
Including,
In step (a),
The cost information received from the vehicle registration fee online storage service system further includes bond related information to be purchased by the car buyer.
Before step (a),
(a01) receiving an inquiry request for a discount rate of a bond to be purchased at the time of purchase of a car from the vehicle registration fee online storage service system; And
(a02) notifying the bond discount rate to the vehicle registration fee online storage service system;
Further comprising:
If the financial institution is a bond receivable financial institution,
Transfer the bonds out of the amount deposited in step (c) to the bond payment designated account in step (d),
If the financial institution is not a bond receiving bank,
Account transfer to the agent account of another financial institution whose account (hereinafter referred to as the "agent" account) of the person who operates the automobile registration fee online storage service system as a bond receiving financial institution is opened.
Car registration fee online storage service providing method of the financial institution system characterized in that
delete delete The method according to claim 5,
In step (e),
The notice of completion of payment for the above costs shall include the confirmation of payment of the bond price.
Car registration fee online storage service providing method of a financial institution system characterized in that the.
delete delete delete delete delete As a financial institution system that provides online registration service for car registration fee,
A car registration that receives cost information including taxes to be paid when purchasing a car of a specific car buyer from a system that provides a service for storing and processing online all the costs related to vehicle registration online (hereinafter referred to as an 'car registration fee online storage service system'). Cost information receiving module;
A virtual account setting module for setting a payment virtual account for the cost storing and transmitting the set virtual account information to the vehicle registration fee online storing service system;
An deposit receiving module for receiving the payment amount into the virtual account;
A splitting module for splitting the deposited payment into an account designated for each type of cost including a registration tax and an acquisition tax;
A payment completion notification module for transmitting a payment completion notice for the cost to the vehicle registration fee online storage service system;
An account database for storing each account information of the traders; And
Control unit for controlling the respective modules and the database to provide the vehicle registration fee online storage service described in claim 5
Including,
The cost information received from the vehicle registration fee online storage service system further includes bond related information to be purchased by the car buyer.
Bond discount information providing module for receiving an inquiry request about the discount rate of bonds to be purchased when purchasing a car from the vehicle registration fee online storage service system and notifying the bond discount rate to the vehicle registration fee online storage service system
More,
The division processing module,
If the financial institution is a bond receiving financial institution, the amount of the bonds among the deposits is transferred to a bond payment designated account,
If the financial institution is not a bond accepting bank, the bond is transferred to the agent account of another financial institution in which the account of the automobile registration fee online storage service system operator (hereinafter referred to as the “agent” account) has been set up as the bond receiving financial institution. Including the ability to transfer funds
Financial institution system that provides a car registration fee online storage service, characterized in that.
delete delete The method according to claim 14,
In the notice of completion of payment for the above expenses,
Including bond payment payment contents
Financial institution system that provides a car registration fee online storage service, characterized in that. delete
KR1020100045609A 2010-05-14 2010-05-14 Method and system for providing online payment service of car registration costs KR101171096B1 (en)

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Application Number Priority Date Filing Date Title
KR1020100045609A KR101171096B1 (en) 2010-05-14 2010-05-14 Method and system for providing online payment service of car registration costs

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KR101171096B1 true KR101171096B1 (en) 2012-08-06

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101875731B1 (en) * 2017-07-28 2018-07-06 박병각 Online automobile marketing and registration method and therefore collective operation system
KR102259957B1 (en) * 2020-07-16 2021-06-02 카방 주식회사 On-line vehicle ownership transfer method

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