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WO2017039075A1 - Procédé de fourniture d'un service d'expédition de fonds internationale et serveur d'une société émettrice de cartes de crédit mettant en œuvre ledit procédé - Google Patents

Procédé de fourniture d'un service d'expédition de fonds internationale et serveur d'une société émettrice de cartes de crédit mettant en œuvre ledit procédé Download PDF

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Publication number
WO2017039075A1
WO2017039075A1 PCT/KR2015/013719 KR2015013719W WO2017039075A1 WO 2017039075 A1 WO2017039075 A1 WO 2017039075A1 KR 2015013719 W KR2015013719 W KR 2015013719W WO 2017039075 A1 WO2017039075 A1 WO 2017039075A1
Authority
WO
WIPO (PCT)
Prior art keywords
remittance
foreign
card company
domestic
company server
Prior art date
Application number
PCT/KR2015/013719
Other languages
English (en)
Korean (ko)
Inventor
최진경
이재성
손경렬
최진혁
Original Assignee
비씨카드(주)
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Publication of WO2017039075A1 publication Critical patent/WO2017039075A1/fr

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Classifications

    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

Definitions

  • 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.
  • 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.
  • the remitter may apply for an international remittance through a card company related application installed in the user terminal.
  • the application may include a remitter's domestic card 100 in the form of a mobile card. It may include.
  • 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).
  • the remitter 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.
  • 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.
  • 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.
  • FIG. 5 is a block diagram showing the internal configuration of a domestic card company server 300 according to an embodiment of the present invention.
  • 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.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un mode de réalisation de la présente invention concerne un procédé permettant à un serveur d'une société émettrice de cartes de crédit nationales de fournir un service d'expédition de fonds internationale. Le procédé comprend les étapes consistant à : recevoir d'un expéditeur de fonds une demande d'expédition de fonds internationale comportant un numéro de carte de crédit nationale, un numéro de carte de crédit internationale et les informations sur le montant de l'expédition de fonds ; transmettre le numéro de carte de crédit internationale et les informations sur le montant de l'expédition de fonds à un serveur d'une société émettrice de cartes de crédit internationales, de telle sorte que ce dernier effectue une demande d'expédition de fonds auprès d'un serveur d'une banque internationale conçu pour gérer un compte associé au numéro de carte de crédit internationale ; recevoir les informations sur les résultats des transactions d'expédition de fonds provenant du serveur de la société émettrice de cartes de crédit internationales ; et transmettre à l'expéditeur de fonds les informations sur les résultats des transactions d'expédition de fonds.
PCT/KR2015/013719 2015-09-04 2015-12-15 Procédé de fourniture d'un service d'expédition de fonds internationale et serveur d'une société émettrice de cartes de crédit mettant en œuvre ledit procédé WO2017039075A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2015-0125835 2015-09-04
KR1020150125835A KR102403658B1 (ko) 2015-09-04 2015-09-04 국외 송금 서비스를 제공하는 방법 및 이를 수행하는 카드사 서버

Publications (1)

Publication Number Publication Date
WO2017039075A1 true WO2017039075A1 (fr) 2017-03-09

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2015/013719 WO2017039075A1 (fr) 2015-09-04 2015-12-15 Procédé de fourniture d'un service d'expédition de fonds internationale et serveur d'une société émettrice de cartes de crédit mettant en œuvre ledit procédé

Country Status (2)

Country Link
KR (1) KR102403658B1 (fr)
WO (1) WO2017039075A1 (fr)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102100869B1 (ko) * 2017-11-22 2020-04-14 비씨카드(주) 계좌기반 결제 지원 방법 및 이를 수행하는 금융사 서버
KR102329935B1 (ko) * 2019-07-22 2021-11-23 갤럭시아머니트리 주식회사 해외 송금 수납 대행 서비스 방법 및 그 시스템

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000113079A (ja) * 1998-10-06 2000-04-21 Nippon Shinpan Co Ltd 振込カードシステム
JP2002197278A (ja) * 2000-12-26 2002-07-12 Jcb:Kk 海外送金システム及び方法
KR20030012067A (ko) * 2001-07-30 2003-02-12 (주)메일캐스터 국제간 온라인 송금 및 지불 대행 방법
KR20120035430A (ko) * 2010-10-05 2012-04-16 윤영미 선불카드를 이용한 송금방법
KR20120103114A (ko) * 2011-03-10 2012-09-19 서동석 신용카드를 이용한 해외 유학학비 지급 시스템 및 방법

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100377214B1 (ko) * 2001-02-27 2003-03-26 케이아이에스정보통신 주식회사 제2금융기관에 제휴된 카드의 기능이 신용카드에 통합된 신용카드 서비스 방법
KR20020087299A (ko) * 2001-05-15 2002-11-22 주식회사 한국외환은행 외환 서비스 제공 방법
US20110016049A1 (en) * 2007-12-11 2011-01-20 Craig Patrick Kilfoil Account risk management and authorization system for preventing unauthorized usage of accounts
KR20120076531A (ko) * 2010-11-29 2012-07-09 조현준 경조금수취계좌번호 입력 불필요한 경조금송금방법 및 시스템

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000113079A (ja) * 1998-10-06 2000-04-21 Nippon Shinpan Co Ltd 振込カードシステム
JP2002197278A (ja) * 2000-12-26 2002-07-12 Jcb:Kk 海外送金システム及び方法
KR20030012067A (ko) * 2001-07-30 2003-02-12 (주)메일캐스터 국제간 온라인 송금 및 지불 대행 방법
KR20120035430A (ko) * 2010-10-05 2012-04-16 윤영미 선불카드를 이용한 송금방법
KR20120103114A (ko) * 2011-03-10 2012-09-19 서동석 신용카드를 이용한 해외 유학학비 지급 시스템 및 방법

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KR102403658B1 (ko) 2022-05-30

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