KR20020051810A - a remittance advice service by SMS(Short Message Service) - Google Patents
a remittance advice service by SMS(Short Message Service) Download PDFInfo
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- KR20020051810A KR20020051810A KR1020000084759A KR20000084759A KR20020051810A KR 20020051810 A KR20020051810 A KR 20020051810A KR 1020000084759 A KR1020000084759 A KR 1020000084759A KR 20000084759 A KR20000084759 A KR 20000084759A KR 20020051810 A KR20020051810 A KR 20020051810A
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Abstract
Description
본 발명은 은행을 이용하는 고객들이 송금을 타인으로 송금을 받았을 경우 이를 휴대폰 문자메세지 서비스인 SMS(Short Message Service)를 통하여 송금완료사실과 거래정보를 통지하여 보다 한층 높은 은행서비스를 제공하기 위한 휴대폰 문자 메시지서비스를 이용한 송금 통보 서비스관한 것이다.According to the present invention, when a customer using a bank transfers money to another person, a mobile phone text message is provided to notify the remittance completion and transaction information through SMS (Short Message Service), a mobile phone text message service. Remittance notification service using the message service.
종래의 은행을 이용하는 고객들은 타인에게 송금을 하기를 원할 시 인터넷뱅킹이나, 폰뱅킹, 휴대폰 모바일 서비스나 은행을 직접 방문하여 돈을 보내고자 하는 당사자에게 송금을 하게된다. 송금을 하고 난 후에는 전화나 기타 통화수단을 이용하여 알려 주면 송금을 받은 당사자는 다시 직접은행을 들러 송금 확인을 하거나 송금 시와 같이 인터넷뱅킹, 폰뱅킹, 휴대폰 모바일 서비스를 통하여 송금이 잘 이루어졌는지 등을 확인하게 된다. 이러한 일련의 과정을 통할 경우 걸리는 시간의 낭비 및 불편함이 많았다.Customers who use conventional banks want to send money to others and send money to a person who wants to send money by visiting the bank, phone banking, mobile phone service or bank. After the remittance, please let us know by phone or other means of communication.The remittee will check the remittance directly or check the remittance through internet banking, phone banking, mobile phone service, etc. Will be confirmed. This series of processes was a waste of time and inconvenience.
이에 오래전부터 송금확인에 필요한 서비스의 개선의 요구가 계속되어져 왔기 때문에 은행의 한층 높은 서비스를 위하여 하루 빨리 개선이 되어져야 할 부분으로 지적되고 있다.Therefore, since the request for improvement of services necessary for remittance confirmation has been continued for a long time, it is pointed out that it needs to be improved as soon as possible for the higher service of the bank.
이에 본 발명에서는 상술한 바와 같은 기존의 은행을 이용하여 송금을 하는 경우에 송금 받는 사람에게 신속하고 편리하게 자동적으로 통지하기 위하여, 송금하는 자가 송금을 하고 이를 은행이 완료하였을 경우 송금에 대한 정보를 휴대폰의 문자메세지 서비스(SMS-Short Message Service)를 이용하여 송금을 받는 고객에게 전달하는 휴대폰 문자 메시지 서비스 시스템 업체에게 제공하고 업체는 송금 내역에 대한 정보를 송금 받는 고객에게 휴대폰 문자 메시지로 제공하여 기존의 방식보다 한층 편리한 송금 통지 서비스를 고객이 받을 수 있도록 하는 것에 본 발명의 기술적 과제를 두고 완성한 것이다.Therefore, in the present invention, when the remittance using the existing bank as described above in order to quickly and conveniently automatically notify the remittee, the remitter sends the information and when the bank completes the information about the remittance Using the SMS-Short Message Service of the mobile phone, the mobile phone is provided to the mobile phone text message service system company that delivers it to the customer who receives the remittance, and the company provides the mobile phone text message to the remittance customer. The technical problem of the present invention has been completed to enable the customer to receive a transfer notification service more convenient than the method of.
도 1은 본 발명의 바람직한 일실시 예가 적용된 흐름도1 is a flow chart to which one preferred embodiment of the present invention is applied
도 2는 기존의 거래방식을 보여주는 흐름도2 is a flowchart showing a conventional trading method
□도면의 주요부분에 사용된 부호의 설명 □□ Explanation of symbols used in main part of drawing □
1 : 송금하는자 2 :송금받는자1: Remitter 2: Remitter
3 : 은행 4 :SMS발송시스템3: bank 4: SMS delivery system
5 : 송금받는자5: Remittee
도 1은 본 발명의 바람직한 일실시 예가 적용된 구성도이고, 도 2는 기존의 송금 거래방식을 보여주는 흐름도로서 이를 통하여 본 발명의 휴대폰 문자메시지서비스를 이용한 송금 통보 서비스를 상세히 설명하면,1 is a configuration diagram to which a preferred embodiment of the present invention is applied, and FIG. 2 is a flowchart illustrating a conventional remittance transaction method, and the remittance notification service using the text message service of the present invention will be described in detail.
본 발명은 인터넷을 이용하여 보다 안전하고 편리하게 파일을 전송하는 시스템을 제공하는 것으로, 본 발명을 절차상의 흐름의 단계별로 고객송금단계, 은행진행단계, 고객통지단계로 나누어 설명하기로 한다.The present invention provides a system for transmitting files more safely and conveniently using the Internet. The present invention will be described by dividing the present invention into a customer remittance step, a bank progress step, and a customer notice step as a step of a procedural flow.
①고객송금단계① Customer remittance stage
송금 보내기를 원하는 은행고객(1)이 직접 은행을 방문하여 송금을 하거나, 인터넷 뱅킹, 폰 뱅킹, 휴대폰 모바일 서비스등을 이용하여 송금을 받는 은행고객에게 송금을 하게 된다.A bank customer (1) who wants to send a money transfer visits a bank and sends money to a bank customer who receives money by using internet banking, phone banking, or mobile phone service.
②은행진행단계② Banking Stage
송금거래를 승인 한 은행(2)은 송금거래를 결재를 하게되고, 결제된 정보를 휴대폰의 문자메세지 서비스(SMS-Short Message Service)를 이용하여 송금을 받는 고객에게 전달하는 휴대폰 문자 메시지 서비스 업체에게 제공하게 되는데 송금자의 성명, 송금 받는자의 성명, 은행구좌번호, 송금액수, 송금 받는 고객의 휴대폰번호 등의 정보를 송금거래가 완료됨과 동시에 실시간으로 제공하게 된다. 이와 같이 송금 문자 서비스업체에게 송금 정보만을 통지하여 줌으로서 은행 데이터베이스를 공유할 필요가 없어 자칫 우려되는 고객들의 구좌정보 전체를 보호하면서 송금문자서비스를 제공할 수가 있는 것이다.The bank (2) that approved the remittance transaction will pay the remittance transaction and send the payment information to the mobile phone text message service company that delivers the information to the customer who receives the remittance using the SMS-Short Message Service. It will provide information such as the name of the remitter, the name of the remittee, the bank account number, the number of remittances, the mobile phone number of the customer receiving the remittance is provided in real time as soon as the remittance transaction is completed. As such, it is possible to provide a remittance letter service while protecting the entire account information of customers who are concerned because they do not need to share a bank database by notifying the remittance letter service company only with remittance information.
③SMS(Short Message Service)발송시스템(3) 통지단계(3) Notification step of SMS (Short Message Service) delivery system
송금정보를 전달받은 휴대폰 문자 서비스 업체는 자체 SMS(Short Message Service)발송시스템(3)을 이용하여 거래정보를 문자메세지로서 고객의 휴대폰 번호로 제공하게 된다.The mobile phone text service company receiving the remittance information provides transaction information to the mobile phone number of the customer as a text message using its SMS (Short Message Service) sending system (3).
SMS는 GSM 통신을 사용하는 휴대전화에 메시지를 최대 160 글자까지 보낼 수 있는 서비스로서 송금 거래내역을 송부함과 동시에 나머지 부분을 은행의 홍보를 위한 광고나 안내문 그리고 기타 고객을 위한 서비스 광고로서 사용이 가능하여 나날이 서비스의 질에 대한 욕구가 높아지고 있는 사용자들에게 만족을 줄 수가 있다.SMS is a service that can send messages up to 160 characters to a mobile phone using GSM communication. It can send the transaction details and use the rest as advertisements for advertisements, notices for banks and other services. It is possible to satisfy users whose desire for quality of service is increasing day by day.
③고객확인단계③ Customer verification step
송금을 받은 고객(4)은 휴대폰 문자 메시지로 송신되어진 은행정보를 확인하고 통지되어진 거래정보가 맞으면 확인 버튼을 눌러 승인하고 이상이 있을 시 즉시 은행과 연락하여 재확인 작업을 하게 된다.The customer (4) who received the remittance checks the bank information sent by a mobile phone text message, and if the transaction information notified is correct, presses the confirmation button to approve it, and if there is a problem, immediately contacts the bank for reconfirmation.
상기와 같은 단계로 이루어지는 휴대폰 문자메시지를 이용한 송금 통보 서비스의 구성요소는 송금을 주고받는 고객(1,4)과 이들 사이의 거래를 승인하는 은행(2), 그리고 은행으로부터 전달받은 송금거래정보를 휴대폰문자메시지로 전달하는 SMS(Short Message Service)발송시스템(3)으로 구성되어 지는 것이다.The component of the transfer notification service using the mobile phone text message as described above includes a customer (1, 4) sending and receiving a transfer, a bank (2) approving a transaction between them, and the transfer transaction information received from the bank. It consists of SMS (Short Message Service) sending system (3) to deliver a text message.
이상에서 상세히 살펴 본 바와 같이 본 발명 휴대폰 문자메시지를 이용한 송금 통보 서비스를 통하여 기존의 송금 확인과정(인터넷뱅킹, 폰뱅킹, 휴대폰 모바일 서비스, 은행방문확인)에 있을 수 있었던 번거러움을 일소에 해소 할 수 있었으며, 미리 통지 받은 일이 없는 알 수 없는 송금에 대해서 은행으로 바로 연락을 취하여 만일에 일어날 수 있는 여러 문제들을 미연에 방지할 수 있다. 은행에서도 송금거래의 서비스를 한층 높여 고객들에게 높은 질의 서비스를 제공할 수 있어 기업이미지의 제고에 도움을 줄 수 있고, 동시에 광고적 효과를 부과적으로 얻을 수도 있다.As described in detail above, through the remittance notification service using the mobile phone text message of the present invention, it was possible to eliminate the hassle of existing remittance check process (Internet banking, phone banking, mobile phone mobile service, bank visit confirmation) at once. For example, you can contact a bank directly for an unknown remittance that you haven't been notified of beforehand and avoid any problems that may arise. In addition, banks can enhance the service of remittance transactions and provide high-quality services to customers, which can help to enhance the corporate image and at the same time, can provide an advertising effect.
따라서, 본 발명 휴대폰 문자메시지를 이용한 송금 통보 서비스는 고객의 편리성 제공 뿐 만 아니라 기존의 은행 송금거래의 질을 높여 전제적인 서비스의 발전에도 도움을 줄 수 있는 그 효과가 다대한 발명이라 하겠다.Therefore, the present invention, the remittance notification service using the text message of the mobile phone is not only providing convenience of customers but also improving the quality of the existing bank remittance transaction, and the effect that can help the development of the premise service is a great invention.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020000084759A KR20020051810A (en) | 2000-12-23 | 2000-12-23 | a remittance advice service by SMS(Short Message Service) |
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| Application Number | Priority Date | Filing Date | Title |
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| KR1020000084759A KR20020051810A (en) | 2000-12-23 | 2000-12-23 | a remittance advice service by SMS(Short Message Service) |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| KR20030029276A (en) * | 2001-10-05 | 2003-04-14 | 박상준 | Method for reporting on-line remittence details |
| US8249920B2 (en) | 2000-04-07 | 2012-08-21 | Zyzeba Holding Limited | Interactive marketing system using short text messages |
| US8977559B2 (en) | 2000-04-07 | 2015-03-10 | Zyzeba Holding Limited | Interactive marketing system |
| KR20160043556A (en) | 2014-10-13 | 2016-04-22 | 주식회사 비디 | Method of paying mobile, terminal performing the same, server performing the same and storage media storing the same |
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| KR20000072676A (en) * | 2000-09-19 | 2000-12-05 | 김정태 | Method and system for settling of financial money utilize the virtual account |
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| JPH10269301A (en) * | 1997-03-27 | 1998-10-09 | Hitachi Ltd | Electronic money network transaction method with high reliability |
| KR20010105053A (en) * | 2000-05-18 | 2001-11-28 | 성규영 | Method for auto transfering and payment |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8249920B2 (en) | 2000-04-07 | 2012-08-21 | Zyzeba Holding Limited | Interactive marketing system using short text messages |
| US8977559B2 (en) | 2000-04-07 | 2015-03-10 | Zyzeba Holding Limited | Interactive marketing system |
| KR20030029276A (en) * | 2001-10-05 | 2003-04-14 | 박상준 | Method for reporting on-line remittence details |
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