BANKING PAYMENT AGENCY SYSTEM USING A VIRTUAL ACCOUNT AND CONTROLLING METHOD THEREFOR

摘要

PURPOSE: financial institution pays the service that agency system is provided using virtual account and its payment of control method executory cost and business customer by virtual account without building expensive financial management network system;CONSTITUTION: a kind of reputable financial institution and business customer negotiate the service of virtual account payment broker, pass through each server (S2) of menu. Corresponding ledger information in database (DB) if after commercial user sends ledger information,Server request write-in ledger information which be given the server of virtual account from the financial institution (S3) of server commercial user. The server of financial institution sends authentication information, if including ledger information to the corresponding commercial user commercial user's deposit of cellular phone to virtual account (S4). The commercial user of management server execute business carry out it is negotiable with corresponding commercial user in the commercial user (S5) of authorization identifying. The money carries out the request for being loaded into server, if completing (S6) to deposit to the account commercial user of financial institution by the negotiable service of the financial institution of server. ;The 2013 of copyright KIPO submissions;[Reference numerals] (AA) starts; (BB) terminate; (S1) it initializes; (S2) the server corporate client of server request financial institution generates information about ledger virtual account and ledger information stores in the database, when its server for sending information of company cliend; The financial institution (S3) and public confidence and above-mentioned corporate client virtual account payment broker service of signing a contract use themselves server; When client makes a contract (S4) with some service and some deposits of corporate client pair to virtual account, it includes mobile phone of the ledger information to customer that the server of corporate client, which is sent for the necessary information of certification,; The said firm client (S5) determines cell phones/device and starting certain services of the certification by management server or client; (S6) terminate in certain services, deposit is transferred to the server that the accourt for Zhang Nei the said firms client that this fund charges to someone is passed through client