WO2017039075A1

WO2017039075A1 - Method for providing overseas remittance service and credit card company server performing same

Info

Publication number: WO2017039075A1
Application number: PCT/KR2015/013719
Authority: WO
Inventors: 최진경; 이재성; 손경렬; 최진혁
Original assignee: 비씨카드(주)
Priority date: 2015-09-04
Filing date: 2015-12-15
Publication date: 2017-03-09
Also published as: KR20170028784A; KR102403658B1

Abstract

According to one embodiment of the present invention, provided is a method by which a domestic credit card company server provides an overseas remittance service, the method comprising the steps of: receiving, from a remitter, an overseas remittance request including a domestic credit card number, an overseas credit card number, and remittance amount information; transmitting the overseas credit card number and the remittance amount information to an overseas credit card company server, such that the overseas credit card company server makes a remittance request to an overseas band server for managing an account associated with the overseas credit card number; receiving result information of remittance transactions from the overseas credit card company server; and transmitting, to the remitter, the result information of the remittance transactions.

Description

Method of providing overseas remittance service and card company server performing the same

The present invention relates to a method for providing an overseas remittance service and a card company server performing the same, and more particularly, a domestic credit card company and a foreign card company perform a relay role between a domestic bank and a foreign bank, thereby providing an existing credit card payment process. Is an invention related to enabling instant remittances using the infrastructure that has been in progress.

In the global age, the range of individual activities is expanding from one country to another, and the amount of remittance transactions between countries continues to increase.

For example, remittances earned by working abroad to family members in the home country, remittances of foreign student funds to family members who have studied abroad, or remittances to relatives living abroad. This increased the need for cross-border remittance services.

However, in order to perform the foreign currency remittance according to the existing method, there was a need to visit a bank and prepare a full text for foreign currency remittance, and it took a certain time for the remittance to be performed.

In addition, it was necessary to know the account number and bank name of the remittee receiving the remittance, and there was also a possibility that the commission could not be discounted more than a certain amount due to the intermediary role of the domestic and foreign banks.

Therefore, there is a need for a new overseas remittance service that performs international remittances without going through a relay bank and that can remit money only through the recipient's card number even when the remitter does not know the recipient's account number.

The present invention aims to solve the above-mentioned problems of the prior art.

An object of the present invention is to provide an overseas remittance service using a credit card payment network established by an existing card company.

An object of the present invention is to enable a remitter to perform international remittances through his or her card, and to enable international remittance transactions even in a situation where only the recipient's card number is recognized.

In order to achieve the above object, in one embodiment of the present invention, a method of providing a domestic remittance service by a domestic card company server, receiving a remittance request including a domestic card number, foreign card number, remittance information from the remitter Making; Transmitting the foreign card number and the remittance amount information to a foreign card company server, so that the foreign card company server performs a remittance request to an foreign bank server managing an account associated with the foreign card number; Receiving result information of a remittance transaction from the foreign card company server; And transmitting the result information of the remittance transaction to the remitter.

In the method of providing a foreign remittance service of the domestic card company server, the virtual account authentication transaction request is transmitted to the foreign card company server before the step of transmitting the foreign card number and the remittance information to the foreign card company server to perform the remittance request. step; And receiving the result of the account authentication transaction request from the foreign card company server, and determining whether to provide an overseas remittance service based on the result.

The foreign card company server receives the request for the account authentication transaction, whether the transfer limit is exceeded, whether the foreign bank can be remitted in connection with the foreign card, whether the remittance is possible in the payment account associated with the foreign card, and the accident history of the foreign card holder. Through at least one of the account authentication transaction results may be generated.

The method of providing an overseas remittance service of the domestic card company server may include: performing settlement of remittance transactions performed for a predetermined time and generating a settlement file for the remittance transaction; Receiving a file containing a remittance result and a remittance amount information from a foreign card company server which has performed an ambassador operation on the settlement file and its own transaction data of the foreign card company; Performing a metabolic operation on a file containing the remittance result and remittance amount information and its own transaction data of a domestic card company; And generating a final settlement result report file and transmitting it to a domestic bank server.

In the method of providing an overseas remittance service of the domestic card company server, the final settlement of the remittance amount is that when the domestic bank server deposits the remittance amount and fee to the foreign bank settlement account, the foreign card company server withdraws the remittance amount and fee from the external bank payment account. Can be done in a manner.

The method of providing a foreign remittance service of the domestic card company server further includes the step of receiving a processing fee for providing a foreign remittance service from the domestic bank server after generating and transmitting a final settlement result report file to a domestic bank server. can do.

In order to achieve the above object, another embodiment of the present invention in a domestic card company server that provides an international remittance service, remittance for receiving a remittance request including a domestic card number, foreign card number, remittance information from the sender Request receiving unit; A remittance request execution unit which transmits the foreign card number and the remittance information to a foreign card company server, so that the foreign card company server performs a remittance request to an foreign bank server managing an account associated with the foreign card number; And a remittance result transmitting and receiving unit for receiving the remittance transaction result information from the foreign card company server and transmitting the remittance transaction result information to the remitter.

The domestic card company server transmits a virtual account authentication transaction request to the foreign card company server, receives the result of the account authentication transaction request from the foreign card company server, and determines whether to provide an overseas remittance service based on this. The transaction execution unit may further include.

The foreign card company server receives the account authentication transaction request, whether the transfer limit is exceeded, whether the foreign bank can be remitted in connection with the foreign card, whether the remittance of the payment account associated with the foreign card is possible, and the accident of the foreign card holder. The account verification transaction result may be generated through at least one of the histories.

The domestic card company server performs settlement of remittance transactions performed for a predetermined time, generates a settlement file for this, and transmits the settlement file to an overseas card company server, and performs an ambassador operation on the settlement file and its own transaction data of a foreign card company. Receive the file containing the remittance result and the remittance amount information from the server of the foreign card company, the file containing the remittance result and the remittance amount information and the domestic transaction of the card company's own transaction data, and then the final settlement result report file It may further include a settlement and metabolic operation performing unit for generating and transmitting to the domestic bank server.

The final settlement of the remittance amount may be performed in such a manner that when the domestic bank server deposits the remittance amount and fee into the external bank settlement account, the foreign card company server withdraws the remittance amount and fee from the external bank settlement account.

The settlement and metabolism execution unit may receive a deposit for a processing fee for providing a foreign remittance service from the domestic bank server after generating and transmitting the final settlement result report file.

According to an embodiment of the present invention, by performing an international remittance using a credit card settlement network established by an existing card company, when the remitter requests an international remittance, the international remittance may be performed in a short time.

According to an embodiment of the present invention, the remitter can perform international remittances through various methods, such as ATM / Internet banking, and can also perform international remittances even in a situation where only the recipient's card number is known. Can be increased.

The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.

1 is a view schematically showing an overseas remittance system according to an embodiment of the present invention.

2 is a diagram schematically illustrating an overseas remittance process according to an embodiment of the present invention.

3 is a diagram illustrating a process of performing an account authentication transaction performed before the start of a remittance transaction in an overseas remittance process according to an embodiment of the present invention.

4 is a diagram illustrating a process of a settlement process according to an embodiment of the present invention.

5 is a block diagram showing the internal configuration of a domestic card company server according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings will be described the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that it may further include other components, without excluding the other components unless otherwise stated.

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

In the foreign remittance system according to an embodiment of the present invention, the domestic card 100, the domestic bank server 200, the domestic card company server 300, the foreign card company server 400, the foreign bank server 500 and the foreign card ( 600).

According to an embodiment, the domestic card 100 and the foreign card 600 may be implemented as a credit card, a check card, a prepaid card, etc. In the present specification, for the convenience of description, the domestic card 100 and the foreign card ( It is assumed that 600 is implemented as a credit card. However, the scope of the present invention is not limited thereto.

The domestic card 100 refers to a card that is linked with the account of the domestic bank, the domestic card company may purchase, settlement, etc. for the domestic card 100 can be performed. In addition, the domestic card 100 may be displayed on the front of the two card company marks in accordance with the domestic card company and the foreign card company alliance, it can be used both domestic and overseas. However, even in this case, the use amount of the domestic card 100 may be paid in the domestic bank account associated with the domestic card 100.

The domestic bank managing the domestic bank server 200 may be a bank handling foreign exchange business. Foreign exchange service is a business that conducts international money transactions through a relay such as a foreign exchange bank.

A domestic card company that manages a domestic card company server 300 collectively manages a user's use of a domestic card 100. In the present invention, when a user performs an overseas remittance through a domestic card 100, the corresponding domestic card 100 It is possible to manage the entire overseas remittance process through linkage with domestic banks, foreign card companies, and foreign banks that manage accounts linked to the bank.

Foreign card company manages the foreign card company server 400, manages the information and membership information for the foreign card 600, and remittances through the connection with the foreign bank that manages the account associated with the foreign card 600 Can provide services.

The foreign bank, which is the managing agent of the foreign bank server 500, deposits a remittance amount into an account linked to the foreign card 600 owned by the foreign remittee by linking with the foreign card company, and then applies the corresponding amount from the foreign card company. You can get a settlement.

Hereinafter, referring to FIG. 2, after the remitter applies for an international remittance, the foreign recipient checks the flow of the deposit and checks the flow until the remitter confirms that the remittance is normally performed.

The domestic bank server 200 may receive an overseas remittance request from the remitter (S201). The remitter may input his domestic card 100 information and the foreign card 600 information to which the remittance is to be applied in applying for an overseas remittance. The remitter may use a method of presenting his domestic card by visiting a bank branch and informing the bank employee of the information of the foreign card 600 to be remitted and the amount to be remitted, as in the existing overseas remittance method.

According to an embodiment, the remitter may apply for an overseas remittance using an automatic teller's machine (ATM). In this case, the remitter may recognize his domestic card 100 at the ATM, and input the remittance amount and the foreign card 600 information to be remitted, and the ATM may transmit such information to the domestic bank server 200. Transfer to allow the transfer process to proceed.

According to another embodiment, the remitter may apply for international remittance via the Internet. The remitter may apply for remittance abroad through a user terminal (not shown) connected to the Internet. The user terminal is any type of hand that can be connected with a domestic bank server 200 or a domestic card company server 300 through a network such as a mobile phone, a smart phone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, and the like. It may include a handheld-based wireless communication device, and in addition, such as a desktop PC, a tablet PC, a laptop PC, an IPTV including a set-top box, a domestic bank server 200 or a domestic card company server 300 through a network. It may also include a communication device that can be connected).

When a remitter requests an international remittance through a user terminal, the remitter may apply for an international remittance through a card company related application installed in the user terminal. According to an embodiment, the application may include a remitter's domestic card 100 in the form of a mobile card. It may include.

The domestic bank server 200 may receive an overseas remittance request of the above various methods through a communication network. The foreign remittance request received by the domestic bank server 200 may include a domestic card 100 number, an overseas card 600 number, and remittance amount information. According to one embodiment, the remitter may apply for a reservation for the remittance in performing the request for international remittance, in which case the domestic bank server 200 may further receive the reservation date and time information.

The domestic bank server 200 may check the balance in the account associated with the corresponding domestic card 100 through the received domestic card 100 number. In addition, the domestic bank server 200 can determine the country to which the sender wants to transfer money through the foreign card 600 number that is the target of the transfer, and the amount of the won to be remitted by the sender in the currency of the country to which the money is sent. I can convert it. According to an embodiment, in this process, the domestic bank server 200 applies an exchange rate at the time when the remitter performs an overseas remittance application, and exchanges the won amount to be remitted by the remitter to the currency of the country to which the remittance is to be remitted. When the amount of money information is generated, such information can be transmitted to the domestic card company server (300). According to another embodiment, the remitter may apply for remittance in the currency unit of the country to which the remittance is to be made, in which case the domestic bank server 200 refers to the corresponding currency unit by referring to the exchange rate. Amount information when the amount is converted into won can be generated.

The domestic bank server 200 transmits the received domestic card 100 information, the foreign card 600 information, the remittance amount information, and the money exchange information generated by itself to the domestic card company server 300 and performs an overseas remittance request. It may be (S203). According to an embodiment, the domestic bank server 200 may receive an international remittance request and at the same time receive a remittance amount from an account associated with the sender's domestic card 100, and according to another embodiment, the domestic bank server 200. After confirming the information that the deposit is completed in the recipient's account from the domestic card company server 300 may receive the remittance amount from the sender's account.

The domestic card company server 300 may determine whether to provide an overseas remittance service by receiving the international remittance request (S205). For example, if there is only a balance less than the amount to be transferred in the account associated with the remitter's domestic card 100, the domestic card company server 300 to perform the remittance abroad by grasping the remitter's credit limit. Can be determined.

The domestic card company server 300 may transmit the foreign card 600 information and the exchange amount information received from the domestic bank server 200 to the foreign card company server 400 and may perform an overseas remittance request (S207).

The foreign card company server 400 receives the above information from the domestic card company server 300, and transmits it to the foreign bank server 500 managed by the foreign bank associated with the foreign card 600, the transfer request for the transfer amount It may be performed (S209).

The foreign bank server 500 receives the above information from the foreign card company server 400 and deposits the amount corresponding to the remittance amount exchanged in the currency of the corresponding country to the recipient's account associated with the foreign card 600 number. It may be (S211).

After completing the deposit, the foreign bank server 500 may inform the recipient, who is the owner of the foreign card 600 that is the target of the transfer, of such information. For example, the foreign bank server 500 may transmit the deposit information in the form of SMS to the user terminal by using the telephone number of the user terminal registered by the payee in association with the foreign card 600, and the payee is located on the user terminal. You can also send deposit information through your installed bank application.

After completing the deposit in the recipient's account, the foreign bank server 500 may generate information on the deposit result and transmit it to the foreign card company server 400 (S213), and the foreign card company server 400 transmits this information. It can be transmitted to the domestic card company server 300 (S215).

The domestic card company server 300 may transmit the deposit result information to the domestic bank server 200 (S217), the domestic bank server 200 to the sender through the methods previously announced by the foreign bank server 500 to the recipient. Deposit complete information may be transmitted (S219). The domestic bank server 200 may transmit the deposit completion information to the remitters S219 by the domestic card company server 300.

As such, according to an embodiment of the present invention, in the process of performing the international remittance, the domestic card company and the foreign card company plays a role of relaying, unlike the conventional foreign remittance process, the domestic bank to perform the deposit to the foreign bank Since the foreign bank before the deposit to the recipient's account and later receive the settlement from the foreign card company server, the transfer can be made in real time, the convenience of the remitter and the recipient using the foreign remittance system can be increased. In addition, according to the foreign currency remittance method that was performed between the existing banks, a fee of a flat fee for each remittance section occurred due to the existence of a relay bank that relays domestic and foreign banks, but according to the foreign remittance system of the present invention Since the credit card payment infrastructure can be used as it is, it is possible to reduce the international remittance fee.

According to an embodiment of the present invention, since the remitter can perform the international remittance using only the credit card number of the domestic bank and the credit card number of the foreign bank, the remitter does not know the type and account number of the foreign bank to which the remitter wishes to transfer. You can also use the international remittance service conveniently.

In addition, the remitter using the foreign money transfer service using his credit card, even if the balance is insufficient in the account associated with his credit card can use the international money transfer service based on his credit.

The account verification transaction is a preliminary work for checking whether the account can be remitted before the remittance transaction is started. The domestic card company server 300 sends the remittance amount and the recipient card number to the foreign card company server 400 as in the case of the actual remittance transaction. Is a virtual transaction performed by sending to. By performing the account authentication transaction as described above before performing the actual remittance transaction, the remittance accident can be prevented.

As described above with reference to FIG. 2, when the remitter requests an overseas remittance through his domestic card 100 to the domestic bank server 200, the domestic bank server 200 becomes a remittance request amount of the remitter. The amount of money when the currency is exchanged in the national currency can be generated, the information on the recipient's foreign card 600 number and the exchange amount can be transmitted to the domestic card company server 300, and the transfer request can be performed.

Referring to FIG. 3, the domestic card company server 300 may preferentially perform an account authentication transaction before receiving the above transfer request from the domestic bank server 200 and performing the overseas transfer.

First, the domestic card company server 300 transmits the recipient's foreign card 600 number and remittance amount information to the foreign card company server 400, and may request an account authentication transaction (S301).

In performing the account authentication transaction, the foreign card company server 400 checks whether the amount to be remitted exceeds the remittance limit and whether the foreign bank in which the account associated with the foreign card 600 is opened can perform the remittance. It can be confirmed (S303). In this process, if the foreign card company server 400 exceeds the remittance limit or the foreign bank determines that the remittance is not possible, the foreign card company server 400 is that the account authentication transaction failed with the domestic card company server 300 Information on the cause of the failure can be sent along with the information.

On the contrary, if it is determined that the above problems do not exist, the foreign card company server 400 may transmit the number and the remittance amount information of the foreign card 600 which is the object of the remittance to the foreign bank server 500 (S305). ).

The foreign bank server 500 checks whether the deposit can be made to the account associated with the card through the foreign card 600 number (S307), the verification result and the customer corresponding to the foreign card 600 number The ID may be transmitted to the foreign card company server 400 (S309).

The foreign card company server 400 may receive information on whether the deposit can be made to the account associated with the foreign card 600 from the foreign bank server 500, the customer received from the foreign bank server 500 Through the ID, the analysis of the corresponding customer information stored in the customer database in the foreign card company server 400 may be performed, and through this, the accident history of the corresponding customer may be determined (S311).

The foreign card company server 400 determines whether remittance is possible based on the information received from the foreign bank server 500 and customer information analyzed by itself (S313), and the information including the result is transferred to the domestic card company server 300. Can be transmitted (S315).

The domestic card company server 300 may proceed with the overseas remittance process based on whether or not the remittance can be received from the foreign card company server 400. When the domestic card company server 300 receives the result that the transfer is possible, proceeds with the above-mentioned remittance transaction process through FIG. 2 and the settlement process described later through FIG. 4, and when the result of the transfer is impossible In the intermittent remittance process that has been in progress can be sent to the domestic bank server 200 and the remitter failed transfer and the reason.

As such, according to an embodiment of the present invention, by performing an account verification transaction prior to the transfer of money transfer, whether the transfer limit is exceeded, whether the beneficiary bank is a remittable bank, or linked with the recipient's foreign card 600. It is possible to determine whether remittance is possible based on the remittance of the remitted account, the accident history of the payee, etc., thereby lowering the probability of an accident that may occur in providing an overseas remittance service.

Since the settlement process is a step that proceeds after the international remittance, the remittance amount is withdrawn from the account associated with the sender's domestic card 100, or the domestic card company will later charge the remittance through the remitter's domestic card 100, The amount of money is deposited in the account associated with the recipient's foreign card (600).

Looking at the progress of the settlement process with reference to Figure 4, the domestic card company server 300 may transmit the settlement file to the foreign card company server 400 (S401).

The payment of the settlement file may be performed at a fixed time of the day or the next day, based on the time of the overseas remittance transaction, and the settlement file includes a description of each item, mode value, and remittance transaction for the foreign remittance. May be included.

The foreign card company server 400 receives the settlement file from the domestic card company server 300, and performs the metabolic operation of the foreign remittance items included in the received settlement file and the internal data for the remittance service transaction stored by the foreign card company. It may be (S403).

The foreign card company server 400 may generate a file including the remittance result and the remittance amount information when the ambassador work result is not unusual (S405). Such a file transfer may be performed at a predetermined time every day, and the file may include fee information to be received by the foreign card company server 400 together with the remittance result and the remittance information.

The domestic card company server 300 may receive a file including the remittance result and the remittance amount information from the foreign card company server 400, and may perform an ambassador operation based on the data on the foreign remittance transaction service provided thereto. (S407). If the final ambassador work results of the domestic card company server 300 does not occur, the domestic card company server 300 may transmit the final settlement result report file to the domestic bank server (200) (S409).

The domestic bank server 200 may perform a metabolic operation of the final settlement result report file received from the domestic card company server 300 and the foreign remittance related data managed by the bank itself (S411).

In the case that no special occurrence occurs in the ambassador work of the domestic bank server 200, the domestic bank server 200, the external bank that the domestic bank holds the amount corresponding to the payment amount information included in the final settlement result report file It is possible to deposit into the payment account (S413). The amount that the domestic bank must deposit in the external bank settlement account may be the sum of the fees that the remitters using the international remittance service through the domestic banks added to the foreign card company.

Thereafter, the foreign card company server 400 may withdraw the amount and fee remitted through the remittance service in the external bank payment account of the domestic bank (S415).

The domestic bank server 200 may deposit the remittance processing fee required by the domestic card company in the account of the domestic card company as the final step of the settlement (S417).

According to an exemplary embodiment of the present invention, since the domestic card company and the foreign card company can use the infrastructure established for the settlement of credit card funds in the provision of the overseas remittance service, the additional additional system development cost for providing the foreign remittance service can be reduced. have. In addition, in the settlement of credit card funds, when a domestic bank deposits a settlement amount to a domestic card company, a method of depositing the settlement amount to a foreign card company is used. However, in the overseas remittance service of the present invention, a domestic bank does not go through a domestic card company. The settlement can be performed by depositing the settlement amount to the foreign credit card company.

5 is a block diagram showing the internal configuration of a domestic card company server 300 according to an embodiment of the present invention.

Referring to FIG. 5, the domestic card company server 300 performs a remittance request receiving unit 310, a remittance request performing unit 320, an account authentication transaction performing unit 330, a remittance result transmitting and receiving unit 340, and a settlement and ambassador operation. The unit 350 may include a control unit 360 and a communication unit 370.

The money transfer request receiving unit 310 may receive a money transfer request from the domestic bank server 200. In the remittance request received from the domestic bank server 200, the remittance request receiving unit 310 includes a domestic card 100 number, a remittee's foreign card 600 number, a remittance amount calculated in Korean won, It may include information on the amount of money exchanged in the currency of the country to which the money is to be sent.

The remittance request receiver 310 may receive an overseas remittance request directly from the remitter, not from the domestic bank server 200. In this case, the remitter may access a homepage of a domestic card company using a user's terminal, or a domestic card company. Remittance application can be performed using the relevant application. In case of receiving an overseas remittance request directly from the remitter, the remittance request receiving unit 310 calculates the remittance amount in the won unit requested by the remitter in the currency unit of the country subject to the remittance through a separate currency exchange unit (not shown). Can be. On the contrary, when the remitter has applied for remittance in the currency unit of the country to which the remittance is concerned, the remittance request receiving unit 310 may calculate the currency unit of the corresponding country in won.

The remittance request execution unit 320 transmits the remittance information calculated by the number of the foreign card 600 and the currency unit of the remittance target country to the foreign card company server 400, and may perform an international remittance request.

The account authentication transaction execution unit 330 may perform an account authentication transaction before the overseas remittance transaction is performed, that is, before the remittance request execution unit 320 performs the remittance request to the foreign card company server 400.

The account authentication transaction execution unit 330 may transmit the foreign card 600 number and the remittance amount of the payee to the foreign card company server 400 and request an account authentication transaction. The foreign card company server 400 that has received the request for the account verification transaction may determine whether the remittance limit is exceeded and whether the remittance of the foreign bank to which the payment account of the payee's foreign card 600 is linked is possible, and the foreign bank server 500 Through the communication with the payee account to obtain the remittance of the remittance and the recipient ID can be obtained through this to determine the accident history of the payee.

The remittance result transmitting and receiving unit 340 may receive a result of the remittance request transmitted by the remittance request execution unit 320 to the foreign card company server 400. The foreign card company server 400 transfers the remittance request information to the foreign bank server 500 and checks whether the deposit is performed in the account of the foreign bank associated with the foreign card 600 of the payee who requested the remittance. The result information of the remittance transaction may be transmitted to the remittance result transmitter / receiver 340 of the domestic card company server 300.

Remittance Result The remittance result received by the transceiver 340 from the foreign card company server 400 may include remittance success or failure information, and may include a cause of failure when the remittance fails.

The remittance result transmitting and receiving unit 340 may transmit the remittance result received from the foreign card company server 400 to the domestic bank server 200 or the user terminal of the remitter, etc., so that the remitter can check the result of the remittance requested by the remitter. .

The settlement and ambassador operation execution unit 350 may perform a settlement later on the successfully completed remittance transaction cases, and the settlement data organized by the domestic card company server 300 itself and the foreign card company server 400 during the settlement process. Metabolism can be performed between the settlement data received from the system.

According to one embodiment, the settlement and metabolic task execution unit 350 may perform the settlement at a predetermined time of day, in the case of performing the settlement at a predetermined period as described above, one settlement process is the settlement process It may be performed for remittance transactions for a certain time before being performed. For example, settlement of remittance transactions that occur within 24 hours a day may occur at a certain time of the next day.

The settlement and ambassador operation execution unit 350 may generate a settlement file for remittance transactions occurring within a predetermined time as described above, and transmit the settlement file to the foreign card company server 400. The foreign card company server 400 may perform its own metabolic work based on the received settlement file, and settle and perform a metabolic task performing unit 350 when the metabolic work result is not unique, including a remittance result and remittance amount information. Can be sent to. The settlement and ambassador operation unit 350 may receive the file from the foreign card company server 400, and then perform the metabolism work with its own transaction data stored in the domestic card company server 300. If it does not occur, the final settlement result report file may be generated and transmitted to the domestic bank server 200.

Afterwards, the payment is performed between the domestic bank and the foreign card company, and in the process, the domestic card company may not play a role of receiving or remitting the payment of the funds.

The settlement and ambassador work execution unit 350 may receive a processing fee for providing an overseas remittance service from the domestic bank server 200. According to one embodiment, such fees may be calculated for each international remittance.

According to an embodiment, the controller 360 may include a remittance request receiving unit 310, a remittance request performing unit 320, an account authentication transaction performing unit 330, a remittance result transmitting and receiving unit 340, and a settlement and metabolic operation performing unit 350. And the data flow between the communication unit 370. That is, the control unit 360 according to the present invention is the remittance request receiving unit 310, the remittance request performing unit 320, the account authentication transaction performing unit 330, the remittance result transmitting and receiving unit 340, the settlement and metabolism task performing unit ( The control unit 350 and the communication unit 370 may control to perform unique functions.

The communication unit 370 according to an embodiment enables communication between a domestic card company server 300 and an external device. Specifically, it enables communication between the domestic card company server 300, the domestic bank server 200, the foreign card company server 400 and the remitter's user terminal.

As described above, according to the embodiments of the present invention, since the domestic remittance is performed through a credit card payment infrastructure that is established in advance with the foreign credit card companies, the intermediary banks that relayed the domestic and foreign banks in the existing remittance process. The role can be replaced by domestic card companies and foreign card companies, the foreign remittance can be made in real time.

The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.

Claims

In the method for the domestic card company server to provide foreign money transfer service,

Receiving an overseas remittance request including a domestic card number, an overseas card number, and remittance information from a remitter;

Transmitting the foreign card number and the remittance amount information to a foreign card company server, so that the foreign card company server performs a remittance request to an foreign bank server managing an account associated with the foreign card number;

Receiving result information of a remittance transaction from the foreign card company server; And

And transmitting the result information of the remittance transaction to the remitter.
The method of claim 1,

Before the step of transmitting the foreign card number and the remittance amount information to the foreign card company server to perform the transfer request,

Transmitting a virtual account authentication transaction request to the foreign card company server; And

And receiving a result of the account authentication transaction request from the foreign card company server, and determining whether the international money transfer service can be provided based on the request.
The method of claim 2,

The foreign card company server receives the request for the account authentication transaction, whether the transfer limit is exceeded, whether the foreign bank can be remitted in connection with the foreign card, whether the remittance is possible in the payment account associated with the foreign card, and the accident history of the foreign card holder. A method of providing an overseas remittance service of a domestic card company server to generate an account authentication transaction result through at least one of the above.
The method of claim 1,

Performing settlement on remittance transactions performed for a predetermined time, generating a settlement file for the remittance transactions, and transmitting the settlement file to a foreign card company server;

Receiving a file containing a remittance result and a remittance amount information from a foreign card company server which has performed an ambassador operation on the settlement file and its own transaction data of the foreign card company;

Performing a metabolic operation on a file containing the remittance result and remittance amount information and its own transaction data of a domestic card company; And

Generating the final settlement result report file and further comprising the step of transmitting to the domestic bank server, the domestic remittance service providing method of the card company server.
The method of claim 4, wherein

The final settlement of the remittance amount is made when the domestic bank server deposits the remittance amount and fee to the external bank payment account, and the foreign card company server withdraws the remittance amount and fee from the external bank payment account. Way.
The method of claim 4, wherein

After generating the final settlement result report file and sending it to the domestic bank server,

Receiving a processing fee for providing a foreign remittance service from the domestic bank server, the method of providing a foreign remittance service of a domestic card company server.
In the domestic card company server that provides overseas remittance service,

A remittance request receiving unit for receiving an international remittance request including a domestic card number, an overseas card number, and remittance amount information from a remitter;

A remittance request execution unit which transmits the foreign card number and the remittance information to a foreign card company server, so that the foreign card company server performs a remittance request to an foreign bank server managing an account associated with the foreign card number; And

Receiving the transfer information of the remittance transaction from the foreign card company server, comprising a remittance result transmission and reception unit for transmitting the result information of the remittance transaction to the sender, domestic card company server.
The method of claim 7, wherein

And further comprising an account authentication transaction performing unit for transmitting a virtual account authentication transaction request to the foreign card company server, and receiving a result of the account authentication transaction request from the foreign card company server to determine whether to provide an international money transfer service. , Domestic card company server.
The method of claim 8,

The foreign card company server receives the account authentication transaction request, whether the transfer limit is exceeded, whether the foreign bank can be remitted in connection with the foreign card, whether the remittance of the payment account associated with the foreign card is possible, and the accident of the foreign card holder. Domestic card company server for generating an account verification transaction results through at least one of the history.
The method of claim 7, wherein

It performs settlement of remittance transactions performed for a certain time, generates a settlement file for this, and sends it to an overseas card company server.

Receiving a file containing the remittance result and the remittance amount information from the foreign card company server that performed the settlement file and the ambassador work for the own transaction data of the foreign card company,

After performing the ambassador work on the file containing the remittance result and the remittance amount information and the domestic card company's own transaction data, and further comprising the settlement and ambassador work performing unit for generating a final settlement result report file and transmits to the domestic bank server, Domestic card company server.
The method of claim 10,

The final settlement of the remittance amount is made in such a way that when the domestic bank server deposits the remittance amount and fee into the foreign bank settlement account, the foreign card company server withdraws the remittance amount and fee from the external bank settlement account.
The method of claim 10,

The settlement and metabolic operation performing unit,

After generating and transmitting the final settlement result report file, receiving a payment for a processing fee for providing a foreign remittance service from the domestic bank server.