KR102347642B1 - System and method of agent service for subscription of financial instrument and computer program for the same - Google Patents

Abstract

A system for providing a financial product subscription brokerage service may comprise: a first communication module configured to receive a subscription request for a financial product from an organization and provide a subscription result, corresponding to the subscription request, to the organization; a data conversion module configured to convert the subscription request into request data of a telegram type corresponding to a financial institution for providing the financial product and to convert, in response to the request data, the result data of a telegram type, received from the financial institution, into the subscription result corresponding to the organization; and a second communication module configured to send the request data of the telegram type to the financial institution and receive the result data of the telegram type from the financial institution. Use of the system for providing a financial product subscription brokerage service causes a standardized application programming interface (API) to be provided to an organization such as a fintech company when the organization provides a service that enables subscriptions to financial products in connection with a financial institution so that access to financial product information can be increased, and causes the organization to provide a service optimized for non-face-to-face inquiry and subscription to financial product information, regardless of complex security methods, communication methods, and telegram methods.

Description

SYSTEM AND METHOD OF AGENT SERVICE FOR SUBSCRIPTION OF FINANCIAL INSTRUMENT AND COMPUTER PROGRAM FOR THE SAME

Embodiments relate to a financial product subscription brokerage service system and method and a computer program therefor. More specifically, the embodiments provide easy access to financial product information of financial institutions such as banks and credit card companies when fintech companies provide services, and allow users to subscribe to financial products non-face-to-face. it's about technology.

In the recent fintech era, a technological and social foundation has been laid for non-financial institutions such as banks to provide users with services that combine finance and information and communication technologies, such as simple payment services. As an example of related prior art, Korean Patent Publication No. 10-1693421 discloses a financial open platform that allows fintech companies to produce financial service contents using an open API (Application Programming Interface) provided by a financial institution. ) based financial service providing device is disclosed.

Among the fintech services provided by fintech companies in connection with financial institution systems, financial products such as time deposits, fixed deposits, investment trusts, loans, derivatives, and pension products are recommended to users or users are encouraged to subscribe to financial products. There are times when you need it. Users who use these services are encouraged to sign up for financial products in a non-face-to-face manner through the service homepage or application (or app) provided by the fintech company without directly visiting the financial institution that provides the financial product. can hope

However, in order to enable subscription to financial products through fintech companies, security methods and communication methods for exchanging financial product-related information between fintech companies and financial institutions, and specialized methods for the types and formats of data to be exchanged, etc. This should be agreed upon in advance. In addition, when fintech services involve multiple financial products, such consultations must be made for each financial institution. This causes an increase in service construction costs for fintech companies, and requires 1:1 linkage between individual institutions to link financial products, which increases the workload of financial institutions and fintech companies.

Registered Patent Publication No. 10-1693421

According to one aspect of the present invention for solving the problems of the prior art, when a fintech company provides a fintech service accompanying a recommendation for a financial product or a subscription to a financial product, complex security of a financial institution A financial product subscription brokerage service system that can establish services at a low cost regardless of requirements, communication methods, and specialized methods, and provide linked infrastructure and services optimized for non-face-to-face financial product information inquiry and subscription and a method and a computer program for the same.

A financial product subscription brokerage service system according to an aspect of the present invention includes: a first communication module configured to receive a subscription request for a financial product from a user organization, and provide a subscription result corresponding to the subscription request to the user organization; The subscription request is converted into request data in a message format corresponding to a financial institution providing the financial product, and the result data in a message format received from the financial institution corresponding to the request data is converted to the subscription corresponding to the user institution. a data transformation module configured to transform into a result; and a second communication module, configured to transmit the request data of the message type to the financial institution and receive the result data of the message type from the financial institution.

In an embodiment, the first communication module is further configured to receive a financial product inquiry request from the user organization. In addition, the financial product subscription brokerage service system, in response to the financial product inquiry request, is configured to provide financial product information scraped from one or more financial institutions and stored in the financial product subscription brokerage service system to the user institution. It further includes a data providing module.

In an embodiment, the first communication module is further configured to receive subscriber information for subscribing to a financial product from the user organization. In addition, the data providing module is further configured to receive the subscriber's authentication information in a scraping manner from one or more public institutions using the subscriber information, and provide the authentication information to the financial institution for subscribing to a financial product.

In an embodiment, the data conversion module is configured to provide, to the user organization, connection information for transmitting contract information for subscribing to a financial product to the financial institution in response to a request for receiving contract information received from the user organization more composed.

In an embodiment, the connection information includes a bridge Uniform Resource Locator (URL) for the user institution to call a user interface of the financial institution through direct communication with the financial institution.

In an embodiment, the second communication module is further configured to receive the result data in the message format from the financial institution in response to the contract information being received by the financial institution using the bridge URL.

In an embodiment, the first communication module is further configured to receive the subscription request from the user organization in a communication method using a preset application programming interface (API) and provide the subscription result to the user organization.

A financial product subscription brokerage service method according to an aspect of the present invention includes: receiving, by a financial product subscription brokerage service system, a subscription request for a financial product from a user organization; converting, by the financial product subscription brokerage service system, the subscription request into professional-type request data corresponding to a financial institution providing the financial product; transmitting, by the financial product subscription brokerage service system, the request data of the professional method to the financial institution; receiving, by the financial product subscription brokerage service system, result data in a professional format from the financial institution in response to the request data; converting, by the financial product subscription brokerage service system, the result data of the professional method into a subscription result corresponding to the user institution; and providing, by the financial product subscription brokerage service system, the subscription result to the user organization.

A financial product subscription brokerage service method according to an embodiment includes: scraping, by the financial product subscription brokerage service system, financial product information from one or more financial institutions; receiving, by the financial product subscription brokerage service system, a financial product inquiry request from the user institution; and providing, by the financial product subscription brokerage service system, the financial product information to the user institution in response to the financial product inquiry request.

In the financial product subscription brokerage service method according to an embodiment, before transmitting the request data in the professional manner to the financial institution, the financial product subscription brokerage service system receives subscriber information for financial product subscription from the user institution to do; receiving, by the financial product subscription brokerage service system, the subscriber's authentication information from one or more public institutions in a scraping manner using the subscriber information; and providing, by the financial product subscription brokerage service system, the authentication information to the financial institution for financial product subscription.

In the financial product subscription brokerage service method according to an embodiment, after transmitting the request data in the professional manner to the financial institution, the financial product subscription brokerage service system transmits contract information for financial product subscription to the financial institution The method further includes providing connection information to the user organization.

In an embodiment, the connection information includes a bridge URL for the user institution to call a user interface of the financial institution by directly communicating with the financial institution, and the receiving of the result data in the message format includes the bridge URL It is performed in response to receiving contract information to the financial institution using

In one embodiment, each of the steps of receiving the subscription request and providing the subscription result to the user organization comprises: communicating with the user organization in a communication method using a preset API by the financial product subscription brokerage service system includes

The computer program according to an aspect of the present invention is combined with hardware to execute the financial product subscription brokerage service method according to the above-described embodiments, and may be stored in a computer-readable recording medium.

According to the financial product subscription brokerage service system and method according to an aspect of the present invention, in providing a service that enables a user institution such as a fintech company to subscribe to a financial product in connection with a financial institution, a standardized API ( Application Programming Interface) to user organizations, it is possible to increase user access to financial product information of financial institutions without the need to use different specialized specifications for each financial institution. It has the advantage of providing an optimized service for non-face-to-face inquiries and subscriptions.

In addition, the financial product subscription brokerage service system according to one aspect of the present invention provides a variety of communication protocols (eg, https, TCP/IP, etc.), transmission/reception data formats (eg, plain text), which facilitate service establishment of user organizations. JSON, etc.) and encryption/decryption methods (eg, One-Time Authentication (OTA), Fintech service account management, TLS (Transport Layer), etc.) By using a professional platform, it is possible to operate a stable fintech service system. Furthermore, the financial institution has the advantage of being able to manage the transaction status, aggregation, statistics, etc. for each fintech institution by using the financial product subscription brokerage service system according to an aspect of the present invention.

1 is a schematic block diagram of a financial product subscription brokerage service system according to an embodiment.
2 is a flowchart illustrating each step of a financial product subscription brokerage service method according to an embodiment.
3 is a schematic block diagram illustrating a configuration of a data conversion module of a financial product subscription brokerage service system according to an embodiment.
4 is a flowchart illustrating each step of a process of processing a financial product subscription request in the financial product subscription brokerage service method according to an embodiment.

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

1 is a schematic block diagram of a financial product subscription brokerage service system according to an embodiment.

Referring to FIG. 1 , a financial product subscription brokerage service system 300 according to the present embodiment may receive a subscription request for a financial product from a user organization 100 . In addition, the financial product subscription brokerage service system 300 may process a subscription request by communicating with the financial institution 400 corresponding to the financial product and provide the subscription result to the user institution 100 . For example, the financial product subscription brokerage service system 300 may be configured to transmit and receive data to and from the user organization 100 through an open application programming interface (API). On the other hand, the financial product subscription brokerage service system 300 converts the subscription request into the request data of a specialized method corresponding to the corresponding financial institution 400 , transmits it to the financial institution 400 , and transmits the request data from the financial institution 400 . It is possible to receive the result data of the method.

The user organization 100 of the present specification may include one or more different user organizations 101, 102, ... 10N. In addition, the financial institution 400 of the present specification may include one or more different financial institutions 401 , 402 , ... 40N. In the financial product subscription brokerage service system 300 according to the embodiments, one or more user organizations 101, 102, ... 10N are linked with one or more financial institutions 401, 402, ... 40N to provide financial products In providing services accompanying subscription to It functions as a platform that can process financial product information inquiry and subscription application in a non-face-to-face manner regardless of restrictions.

For the above operation, the financial product subscription brokerage service system 300 includes one or more user institutions 101, 102, ... 10N and one or more financial institution devices 401, 402, .. through a wired and/or wireless network. .40N) may be communicatively connected. In addition, in one embodiment, the financial product subscription brokerage service system 300 is configured to receive authentication information such as a public institution-issued document related to a subscriber who wants to subscribe to a financial product through a wired and/or wireless network to the public institution server 200 . can be communicatively connected to In the present specification, the communication method through the wired and/or wireless network may be implemented using any communication method capable of networking between the object and the object, and may include wired communication, wireless communication, 3G, 4G, or other methods. not limited to by

The devices described herein may be wholly hardware, or may have aspects that are partly hardware and partly software. For example, the financial product subscription brokerage service system 300 and each system, device, server, and each unit included therein communicating therewith are, Related software may be collectively referred to. As used herein, terms such as “unit”, “module”, “server”, “system”, “platform”, “device” or “terminal” refer to a combination of hardware and software driven by the hardware. it is intended to For example, the hardware herein may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to a running process, an object, an executable file, a thread of execution, a program, and the like.

Although the user institution 100 is not a financial institution, it is a business operator that provides services accompanying inquiry and subscription to financial products, and may refer to, for example, a fintech company. The financial product subscription brokerage service system 300 may be configured to communicate with a server of a fintech company. However, in another embodiment, the financial product subscription brokerage service system 300 may be configured to communicate with a user who uses a fintech service provided by a fintech company rather than a fintech company, and in this case, the user organization 100 is the corresponding It may refer to the user's device. For example, users execute an application (or an app) for a fintech service provided by the user organization 100 in a terminal such as their smartphone (smartphone), so that the financial product subscription brokerage service system 300 ) and communicate with

The financial institution 400 refers to an institution such as a bank or card company that provides financial products accompanying the service provided by the user institution 100, and the financial product subscription brokerage service system 300 is such a financial institution 400 It may be configured to be able to communicate with the server of In embodiments, the financial products provided by the financial institution 400 may refer to products such as time deposits, fixed deposits, investment trusts, loans, derivatives, and pension products, but is not limited thereto.

In one embodiment, the financial product subscription brokerage service system 300 includes a first communication module (1), a data conversion module (3) and a second communication module (2). Also in one embodiment, the financial product subscription brokerage service system 300 further includes a data providing module (4). Also, in an embodiment, the financial product subscription brokerage service system 300 further includes a database (DB) 5 .

In the present specification, each unit constituting the financial product subscription brokerage service system 300 is not necessarily intended to refer to a separate physically distinct component. That is, although each module or DB 1-5 constituting the financial product subscription brokerage service system 300 in FIG. 1 is shown as a separate block that is distinct from each other, this is the financial product subscription brokerage service system 300 by It is functionally classified according to the action being executed. According to an embodiment, some or all of the above modules may be integrated in the same single device, or one or more modules may be implemented as a separate device physically separated from other modules. For example, each part of the financial product subscription brokerage service system 300 may be components communicatively connected to each other in a distributed computing environment.

The first communication module 1 may receive a subscription request for a financial product from the user institution 100 , and provide a subscription result corresponding to the subscription request to the user institution 100 . In an embodiment, the first communication module 1 may be configured to be able to communicate with each user organization 100 in a communication method using an open API.

In this specification, communication using an open API refers to a request for financial product information, a request to subscribe to a financial product, a request to submit documents related to the subscription of a financial product, or a request to receive contract information through the financial product subscription brokerage service system 300. It refers to a form in which non-face-to-face subscription of financial products is realized by designating an API and providing the API so that the user organization 100 can use the API according to the agreement between the financial product subscription brokerage service system 300 and the user organization 100 do.

In addition, the user organization 100 processes or inquires about transfer (withdrawal transfer, deposit transfer, etc.) transactions through API-based communication with the financial product subscription brokerage service system 300 (balance inquiry, transaction history inquiry, account Real name inquiry, remittee information inquiry, etc.) can be implemented to further process financial tasks such as transaction processing. For example, the financial business processing in the present specification is realized through API, and account information (bank, account holder name, account number, balance, new date, etc.) inquiry, deposit and withdrawal details (bank, account number, transaction date, transaction start, withdrawal amount, deposit amount) , balance after transaction, transaction method, etc.) inquiry, deposit information (account number, deposit type, current balance, contract amount, monthly payment amount, transaction date time, deposit amount, maturity date, etc.) inquiry, loan amount information (account number, loan type, loan Inquire about balance, monthly payment, transaction date time, interest amount, interest rate, expiration date, etc.) , real name number, account authenticity, etc.) inquiry.

In addition, the financial business processing in this specification is realized through API, (i) deposit transfer executed based on information such as bank name, transfer amount, deposit account, withdrawal account, account number, printing details, or (ii) bank It may include withdrawal and transfer executed based on information such as name, withdrawal amount, deposit account, withdrawal account, account number, printing details, and payer number.

The data conversion module 3 may convert the financial product subscription request received in the first communication module 1 into specialized data request data corresponding to the financial institution 400 that provides the corresponding financial product. For example, the data conversion module 3 may reconstruct the financial product subscription request into specialized specification data based on layout information corresponding to the financial institution 400 that provides the corresponding financial product, wherein the layout information is It may be to define the type and/or order of the specialized specification data required for communication with the financial institution 400 .

In addition, the data conversion module 3 converts the result data of the professional method received from the financial institution 400 in response to the financial product subscription request into a subscription result corresponding to the user institution 100 that has transmitted the financial product subscription request. can do. For example, the data conversion module 3 converts the result data in a professional manner to a subscription to be provided to the user organization 100 based on layout information defining the type and/or order of information corresponding to the user organization 100 . can be converted to a result. In this case, the subscription result may be transmitted to the user organization 100 through API-based communication.

The second communication module 2 may transmit the request data of the telegram converted by the data conversion module 3 to the financial institution 400 . In addition, the second communication module 2 may receive, from the financial institution 400 , the result data of the professional method corresponding to the subscription result for the financial product. In addition, the second communication module 2 may send and receive data in a professional manner by a communication method (including a communication protocol and data format) corresponding to the corresponding financial institution 400 .

In one embodiment, the financial product subscription brokerage service system 300 receives financial product information provided by the financial institution 400 in a manner such as scraping, and the DB of the financial product subscription brokerage service system 300 . (5) can be saved. Also, in one embodiment, the financial product subscription brokerage service system 300 collects public big data information such as real estate market price information, business closure and/or closure inquiry result information, vehicle specification information, etc. from the public institution server 200 and It may be further stored in the DB (5).

In an embodiment, when there is a financial product inquiry request from the user organization 100 , the data providing module 4 may provide the financial product information stored in the DB 5 to the user organization 100 . Also, in one embodiment, the data providing module 4 may provide the public big data information of the DB 5 to the user institution 100 and/or the financial institution 400 . Also, in an embodiment, the data providing module 4 may receive the subscriber's authentication information required for subscribing to a financial product from the public institution server 5 and provide it to the financial institution 400 . Further, in one embodiment, the data providing module 4 provides information such as transaction status, aggregation, and statistics for each institution through the financial product subscription brokerage service system 300 to the user institution 100 and/or the financial institution 400 . may provide.

2 is a flowchart illustrating each step of a financial product subscription brokerage service method according to an embodiment. The financial product subscription brokerage service method according to the embodiments may be performed using the financial product subscription brokerage service system according to the embodiments.

In an embodiment, the financial product subscription brokerage service system 300 may receive a request for financial product information from the user organization 100 ( S101 ). The user institution 100 is not a financial institution such as a bank or a credit card company, but a business operator that provides fintech services related to financial products. It may be a product such as a loan, a derivative product, or an annuity product, but is not limited thereto.

Although not shown in the drawings, the request for financial product information may be made by communication between the first communication module 1 ( FIG. 1 ) of the financial product subscription brokerage service system 300 and the user institution 100 . For example, communication between the financial product subscription brokerage service system 300 and the user organization 100 may be performed using an open API. Each user organization 100 may transmit a request to the financial product subscription brokerage service system 300 according to the communication method used by the corresponding user organization 100 . In the present specification, the communication method refers to at least some or all of the general matters necessary for data transmission and reception between objects, including communication protocols such as https, TCP/IP, and the format of data transmitted and received such as JSON and plain text. It is intended to refer to

The data providing module 4 of the financial product subscription brokerage service system 300 receives a request for financial product information from the data conversion module 3 (S102), and in response, to the financial product subscription brokerage service system 300 Stored financial product information may be returned (S103). The returned financial product information may be transmitted to the user organization 100 after being converted into a communication method and a professional method used by the user organization 100 (S104). For example, in the present specification, financial product information may include a list and contents of financial products that can be subscribed non-face-to-face through the financial product subscription brokerage service system 300 , and may include one or a plurality of different financial institutions 400 . ) may include information related to one or more financial products provided by

In the embodiment shown in FIG. 2 , the data providing module 4 operates to return financial product information by using information stored in the DB of the financial product subscription brokerage service system 300 in advance by scraping or the like. However, in another embodiment, the data providing module 4 obtains the financial product information provided by the financial institution 400 by accessing the financial institution 400 in response to the financial product information request, and sends it to the user institution 100 . It is also possible to provide

In addition, in one embodiment, the financial product subscription brokerage service system 300 performs verification of the API usage of the user organization 100 before providing financial product information or processing a subscription request, and when verification fails, the request is made You can refuse to handle the financial business that has been done. In the validation process, verification of the layout of the financial product information request or financial product subscription request, verification of the status of the service realized through the API used in the request, and the application (or app) provided by the user organization or user organization Verification of whether the use of the API is permitted for ) may be included, but is not limited thereto. The verification process will be described later in detail with reference to FIG. 3 .

In addition, this is an example, and in another embodiment, the financial product subscription brokerage service system 300 may directly provide financial product information without a separate verification process or immediately initiate a financial product subscription procedure.

In one embodiment, when authentication information such as an online issuance document of a public institution is required for subscribing to a financial product, the data providing module 4 of the financial product subscription brokerage service system 300 provides a non-face-to-face connection from the user institution 100 . A request for document submission may be received, and a response to the request may be provided to the user organization 100 (S105). In this case, the non-face-to-face document submission request may include subscriber information such as an official certificate, ID, password, etc. required for the financial product subscription brokerage service system 300 to receive online documents from the public institution 200 server on behalf of the subscriber. .

The data providing module 4 requests issuance of necessary documents by accessing the server of the public institution 200 using the subscriber information received through the non-face-to-face document submission request (S106), and the public institution 200 is issued from the server. The document may be received (S107). The above process may be performed using scraping technology in which the financial product subscription brokerage service system 300 automatically accesses the homepage of a public institution on behalf of the subscriber and transmits or receives necessary contents, but is limited thereto. no.

Next, the data providing module 4 transmits the document issued from the server of the public institution 200 to the financial institution 400 so that subscription to a financial product using the document as authentication information can be made (S108). In the embodiment of FIG. 2, authentication information is issued and delivered prior to the subscription procedure for financial products, but this is exemplary. It may be performed as part of a procedure.

The financial product subscription brokerage service system 300 may receive a financial product subscription request from the user organization 100 (S109). The data conversion module 3 of the financial product subscription brokerage service system 300 converts the financial product subscription request into the specialized method request data corresponding to the financial institution 400 that provides the financial product, and the professional method request Data may be transmitted to the corresponding financial institution 400 (S110).

More specifically, the financial product subscription request transmitted from the user institution 100 to the financial product subscription brokerage service system 300 is irrespective of the type of the user institution 100 or the financial institution 400 providing the target financial product. It may have the form of integrated specification data. At this time, the integrated specification data includes withdrawal account, deposit account, deposit bank code, transaction amount, fee, commission account, fee processing method, deposit account output details, withdrawal account output details, CMS code and / or information such as whether or not a CMS account is included may be included. Alternatively, the financial product subscription request transmitted from the user institution 100 to the financial product subscription brokerage service system 300 has a different individual layout (ie, data type and/or order) for each user institution 100 , and financial products The data conversion module 3 of the subscription brokerage service system 300 may be configured to convert it into integrated specification data.

Next, the data conversion module 3 of the financial product subscription brokerage service system 300 transmits the financial product subscription request based on the content of the financial product subscription request to the target financial institution 400 that provides the type of transaction and the financial product. It is possible to branch according to the type and convert the converted telegram data into specialized specification data (or also referred to as financial institution specification data) corresponding to the type of the branched transaction and the target financial institution 400 . Also, in an embodiment, the data conversion module 3 may encrypt at least a part or all of information included in the technical specification data.

The type and/or order of data to be included in the specialized specification data for subscribing to a financial product and the communication method in which the detailed specification data is transmitted are different for each financial institution 400 . Accordingly, it is possible to store the data conversion module 30, information on the specialized specification and communication method for each financial institution, and use this to generate the specialized specification data corresponding to each financial institution 400 from the integrated specification data.

Although not shown in the drawings, a request for subscribing to a financial product to the financial institution 400 may be made through communication between the second communication module 2 ( FIG. 1 ) of the financial product subscription brokerage service system 300 and the financial institution 400 . can In addition, communication between the financial product subscription brokerage service system 300 and the financial institution 400 may be performed using a communication method used by the financial institution 400 . That is, the financial product subscription brokerage service system 300 includes a communication protocol used by the financial institution 400 among communication protocols such as https and TCP/IP, and a financial institution 400 among transmission and reception data formats such as JSON and plain text. ) may transmit the requested data of the professional method to the financial institution 400 through the data format used.

Next, the financial product subscription brokerage service system 300 may receive result data corresponding to the subscription request transmitted to the financial institution 400 from the financial institution 400 ( S111 ). Like the request data transmitted to the financial institution 400 , the result data that is the subscription result provided by the financial institution 400 may also be data of a specialized method corresponding to the financial institution 400 . The data conversion module 3 of the financial product subscription brokerage service system 300 uses the result data of the professional method to obtain a financial product subscription result corresponding to the communication method (ie, communication protocol and data format) used by the user institution 100 . , and it can be provided to the user organization 100 (S112).

More specifically, the data conversion module 3 may convert result data having a layout according to the professional method used by the financial institution 400 into integrated specification data to be transmitted to the user institution 100 . In an embodiment, when some or all of the processing result received from the financial institution 400 is encrypted, the data conversion module 3 may perform decryption on the encrypted information. In addition, the financial product subscription brokerage service system 300 converts the subscription result conforming to the communication protocol and data format used by the user institution 100 that requested the financial transaction for the integrated specification data, and transmits it to the user institution 100 . have.

3 is a schematic block diagram illustrating a configuration of a data conversion module of a financial product subscription brokerage service system according to an embodiment.

Referring to FIG. 3 , the data conversion module 3 may include a full text conversion module 30 . The telegram conversion module 30 is configured to convert a financial product subscription request into message type request data corresponding to a financial institution that provides the corresponding financial product. For example, the specialized conversion module 30 may reconstruct the financial product subscription request into specialized specification data based on layout information corresponding to a financial institution that provides a financial product for which subscription is requested, in which case the layout information is It may be to define the type and/or order of the specialized specification data required for communication with the financial institution.

In one embodiment, the full text conversion module 30 includes a message format conversion unit 301 , a transaction branching unit 302 , and a full text specification conversion unit 303 . The message format conversion unit 301 is configured to convert the financial product subscription request received from the user organization into the message type intermediate data. For example, the intermediate data may have a data format such as plain text or JSON.

The transaction branching unit 302 branches the intermediate data of the professional method according to the transaction type and target institution corresponding thereto, and serves to communicate with a financial institution that provides a subscription-requested financial product. To this end, the transaction branching unit 302 includes a transaction type determination unit 302-1 that determines a type of transaction corresponding to a request for subscription to a financial product, and a target institution determination unit that identifies a financial institution providing the financial product ( 302-2) may be included.

The message specification conversion unit 303 is configured to communicate the intermediate data converted by the message type conversion unit 301 with a financial institution based on the type of transaction and/or the target institution determined by the transaction branching unit 302 . It is configured to be converted into full text data. To this end, the full text specification conversion unit 303 may include a specification conversion unit 303-1 for changing the layout of data. In addition, the specialized specification conversion unit 303 may further include a response message processing unit 303-2 for receiving a processing result corresponding to the financial product subscription request from the financial institution and processing it.

In addition, the telegram conversion module 30 is further configured to convert the telegram result data received from the financial institution into subscription result information corresponding to the user institution that has requested subscription to the financial product. For example, the message conversion module 30 may reconfigure the result data of the message type as a subscription result for transmission to the user organization based on layout information defined by the API usage agreement with the user organization requesting the financial product subscription, etc. . In this case, the layout information may define the type and/or order of information required for communication with the user organization.

In an embodiment, the data conversion module 3 may further perform an authentication process through the OTA server 32 before converting the financial product subscription request received from the user organization into a professional method. The OTA server 32 is for one-time authentication of the use of the open API based on individual transactions, which can be particularly usefully utilized when a financial product subscription brokerage service system communicates with a user organization using a public network. In one embodiment, the OTA server 32 includes a token issuing unit 321 , an authentication information management unit 322 , and a token verification unit 323 .

Also, the user organization may use the OTA client device 500 for authentication. For example, the OTA client device 500 may be implemented as a part of a user device or a user device using a service of the user organization. In an embodiment, the OTA client device 500 includes a server authenticator 501 and a token verifier 502 .

The token issuing unit 321 is configured to receive an authentication request from the OTA client device 500 and to perform verification therefor to issue an access token. In the present specification, an access token is predetermined information used to control the use of an open API by a user organization, and may be, for example, a data block having a size of several bytes to several kilobytes. The present invention is not limited thereto. Access tokens can be limited by methods such as validity time so that they can be used only once on a transaction basis, so that even if the access token is stolen by a third party other than the user, it is possible to prevent illegal use. can

In an embodiment, the authentication request of the OTA client device 500 may be configured using an authentication key previously granted to a user organization. Different authentication keys are issued to each of the user organizations 101, 102, ... 10N (FIG. 1), and the authentication key for each user organization may be stored and managed in the authentication information management unit 322 . In this case, the server authentication unit 501 of the OTA client device 500 transmits an authentication request to the OTA server 32 based on the authentication key granted to the user organization when the user organization wants to use the open API, and the OTA The server 32 may verify the authentication key by checking whether the authentication key included in the authentication request of the OTA client device 500 corresponds to the corresponding user organization.

Verification of the authentication key includes a process of checking whether an authentication request using the authentication key is received from a user organization to which the corresponding authentication key is granted, and whether the authentication key included in the authentication request exists in a valid state. . For example, since the OTA server 32 stores authentication key information assigned to each user organization, the service cannot be continued, such as when a service contract with the user organization expires or a security leak occurs at the user organization. In this case, the use of the open API by the user organization can be blocked by treating the authentication key granted to the relevant institution as invalid.

When the authentication key is verified, the OTA server 32 may generate an access token by the token issuing unit 321 and transmit it to the OTA client device 500 . The user organization may transmit a financial product subscription request to the financial product subscription brokerage service system using the access token received from the OTA server 32 . Next, in the financial product subscription brokerage service system, the access token of the user organization may be verified through the token verification unit 323 of the OTA server 32 before converting the financial product subscription request into professional data.

In one embodiment, the request based on the open API includes an OTP (One-Time Password) corresponding to the access token, and the OTP may be generated using the transmission time (hour, minute, second, etc.) of the access token. . That is, the token verification unit 22 of the OTA client device 500 and the token verification unit 323 of the OTA server 32 share an OTP generation protocol of a time-synchronization method, and the OTA server 32 ), an OTP is generated using the transmission time of the access token to the OTA client device 500 , and at least a portion of data constituting an open API-based financial product subscription request may be encrypted using the OTP. However, this is only an example, and in another embodiment, a different OTP generation protocol other than the time synchronization method may be used.

According to the embodiments described above, data transmitted from the user organization to the financial product subscription brokerage service system is encrypted on an individual transaction basis based on the access token issued to the user organization. Therefore, even if a network packet between the user organization and the financial product subscription brokerage service system is leaked or stolen, a third party is fundamentally blocked from decrypting or using the data included in the packet, so the Virtual Private Network (Virtual Private Network) ; VPN), security modules and dedicated networks, etc., can maintain security related to Fintech services without requiring high-cost security measures.

In an embodiment, at least a portion of the full text specification data converted by the full text conversion module 30 may be encrypted by the encryption module 36 . For example, the encryption module 36 may encrypt a portion corresponding to the customer's personal information, such as the mobile phone number and e-mail address of the financial product subscriber, among the information included in the professional specification data. Also, at this time, the encryption process by the encryption module 36 may be performed using authentication information (eg, an access token) issued by the OTA server 32 and corresponding to the user organization.

In an embodiment, the validation module 31 of the data conversion module 3 converts the financial product subscription request to the specialized specification data, before converting the financial product subscription received from the user's device using the user organization or the service of the user organization. Validation of the validity of the request may also be performed.

The validation module 31 is a request based on a request for processing a financial product subscription through a fintech service for using the API provided by the financial institution, a service related to the API, and permission to use the API of the user institution, etc. It serves to verify the validity of For example, the validation module 31 includes a layout verification unit 311 , an API service verification unit 312 , a user organization verification unit 313 , a fault registration history verification unit 314 , and a transaction unique number verification unit 315 among It may include one or a plurality of functional units.

The layout verification unit 311 serves to verify whether a request to subscribe to a financial product received using the API conforms to a format defined in relation to the use of the corresponding API. For example, processing of a financial product subscription request received in a format different from a layout set in advance in relation to the API may be rejected.

The API service verification unit 312 serves to verify whether a service related to an API used for a financial product subscription request is currently available. Even if the API provided by the financial institution in the past, use of the corresponding API may be prohibited in the future. Therefore, the API service verification unit 312 may check the service status related to the API used for the request to subscribe to the financial product.

The user organization verification unit 313 may verify whether the user organization is permitted to use the API in relation to the API used for the request for subscribing to the financial product. Based on the identification information of the user organization or the application (or app) of the user organization permitted to use the API set for each API, when a request through the API is received from a user organization that is not permitted to use the API, the request is processed A verification process for rejection can be performed.

The failure registration history verification unit 314 receives and stores information related to a temporary failure state related to the service of a specific API from each financial institution, and stores the information related to the temporary failure state related to the service of the specific API, and the API used in the request of the user organization or user is sent to the service registered as a failure state. In this case, it is possible to perform a verification process to reject the request for subscription to a financial product.

The transaction unique number verification unit 315 assigns a unique transaction number to each financial product subscription request received from a user organization or a user and manages it, and a processing result corresponding to each request responds to the request by the user organization or make it available to users. In addition, the transaction unique number includes a check digit calculated by a predetermined equation using other information of the financial product subscription request as variables, and the check digit included in the financial product subscription request is the transaction identification number verification unit By rejecting the business process if it is different from the check digit calculated by itself by (315), it is possible to prevent a request for subscription to a financial product by a malicious user rather than a legitimate user organization.

For the above verification, layout information related to each API, service status information, and information on the usage permission status of the user organization may be stored in the management module 35 to be described later. That is, the management module 35, the above-described validation module 31, the first communication module 1, the OTA server 32, the data conversion module 3 and / or the operation of the second communication module (2) It stores basic information necessary for

In one embodiment, the management module 35 includes an information database 350 , an API management unit 351 , a customer management unit 352 , a metadata management unit 353 , a message and code management unit 354 , a log and It may include one or a plurality of functional units among the statistics management unit 355 and the monitoring unit 356 .

The API management unit 351 may store information related to the current state of a service related to each API or a list of applications (or apps) of the user organization and/or the user organization permitted to use the API in relation to each API. have.

The customer management unit 352 may store information related to a customer who uses the financial product subscription brokerage service system, that is, a user organization. Processing of a financial product subscription request received from a user organization that does not use the financial product subscription brokerage service system or an application (or app) of the user organization may be rejected.

The metadata management unit 353 stores various types of metadata included in the API-based financial product subscription request, for example, an identifier of each financial institution, an identifier of each user institution, and an identifier of each financial business process.

The message and code management unit 354 serves to store a layout related to a financial product subscription request through the API for each API, and to verify the financial product subscription request based on the layout.

The information database 350 stores all matters related to the inquiry and subscription of financial product information made through the financial product subscription brokerage service system, such as the financial product subscription request received in the financial product subscription brokerage service system and the subscription result by the financial institution plays a role

The log and statistics management unit 355 serves to generate log information and statistical information related to the use of the financial settlement network based on information stored in the information database 350 . For example, statistical information related to the use of financial settlement networks includes information related to the transaction status, such as the number or amount of financial business processing for each user institution, each user, and/or each API, or information that aggregates such transaction status. However, the present invention is not limited thereto.

The monitoring unit 356 monitors the operation state of each functional unit of the data conversion module 3 and/or each other functional unit of the financial product subscription brokerage service system, and serves to detect whether a failure or the like occurs.

4 is a flowchart illustrating each step of a process of processing a financial product subscription request in a financial product subscription brokerage service method according to an embodiment. An embodiment of the details of steps S109 to S112 of the embodiment described above with reference to FIG. example is shown.

Referring to FIG. 4 , the financial institution 400 that has received the request data of the professional method from the financial product subscription brokerage service system 300 returns the result of receiving the subscription request to the financial product subscription brokerage service system 300 and (S201), the financial product subscription brokerage service system 300 may transmit the returned subscription request result to the user institution 100 (S202). In this case, the subscription request result does not mean the result of the final subscription to the financial product, but refers to arbitrary information indicating that the subscription request has been received by the financial institution 400 .

Similar to the conversion process for the financial product subscription request described above with reference to FIG. 2 , in the process of returning the financial product subscription request result to the user institution 100 in the embodiment shown in FIG. 4 , the data conversion module 3 is A process of converting the data of the professional method corresponding to the institution 400 into information having a layout for transmission to the user institution 100 may be performed.

Next, a user who wants to subscribe to a financial product may transmit a request for receiving contract information to the financial product subscription brokerage service system 300 through the user institution 100 ( S203 ). In this case, the contract information reception request means that a user who has made a subscription request for a financial product subscribes for a contract by electronically signing a contract document provided by the financial institution 400 or the financial institution 400 accepts the contract it means. In the financial product subscription brokerage service system 300, the contract information reception request may be transmitted to the financial institution 400 as data in a professional format through a conversion process by the data conversion module 3 (S04). In addition, the financial product subscription brokerage service system 300 may receive the contract information reception result returned from the financial institution 400 ( S205 ), and transmit the received contract information reception result to the user institution 100 through a conversion process. There is (S206).

In an embodiment, the conclusion of a contract for subscribing to a financial product may be completed by transmitting contract information between the user institution 100 and the financial institution 400 through the financial product subscription brokerage service system 300 . However, depending on the policy of the financial institution 400 and/or the nature of the financial product, there may be cases where it is impossible to subscribe to a financial product simply by transmitting contract information through the financial product subscription brokerage service system 300 . In this case, in one embodiment, the financial product subscription brokerage service system 300 provides a function of intermediary connection information so as to transmit and receive information necessary for subscription through direct communication between the user institution 100 and the financial institution 400 . can do.

That is, the user who uses the service of the user organization 100 may access the financial institution 400 through the server of the user organization 100 or the user device using the homepage or application (or app) provided by the user organization 100 . can connect To this end, the financial product subscription brokerage service system 300 is a connection that allows the service user of the user institution 100 to access the user interface (eg, product subscription screen) of the financial institution 400 without departing from the corresponding service content. The information may be provided to the user organization 100 . For example, the connection information may include a bridge URL (Uniform Resource Locator), and the service user of the user institution 100 directly accesses the financial institution 400 through connection information such as the bridge URL to register A necessary additional authentication procedure may be performed, or necessary information may be uploaded (S207).

In an embodiment, an offline product subscription procedure may be further required depending on the policy of the financial institution 400 and/or the nature of the financial product (S208). For example, the service user of the user institution 100 may receive a phone call or a text message from the person in charge of the financial institution 400 and complete the procedure necessary for subscribing to a financial product by responding to the call (S208). In addition, in an embodiment, the financial institution 400 may be further configured to approve the subscription to a financial product after examining the contract information and other materials submitted by the service user of the user institution 100 .

The operation of the financial product subscription brokerage service method according to the embodiments described above may be implemented at least partially as a computer program and recorded in a computer-readable recording medium. A computer-readable recording medium in which a program for implementing an operation according to the method according to the embodiments is recorded and includes all types of recording devices in which computer-readable data is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage device. In addition, the computer-readable recording medium may be distributed in a network-connected computer system, and the computer-readable code may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the present embodiment may be easily understood by those skilled in the art to which the present embodiment belongs.

In addition, each block or each step shown in the flowcharts herein may represent a module, segment, or portion of code that includes one or more executable instructions for executing the specified logical function(s). It is also possible for functions recited in blocks or steps to occur out of order in some alternative embodiments. For example, it is possible that two blocks or steps shown one after another may in fact be performed substantially simultaneously, or that the blocks or steps may sometimes be performed in the reverse order according to the corresponding function.

Although the present invention as described above has been described with reference to the embodiments shown in the drawings, it will be understood that these are merely exemplary, and that various modifications and variations of the embodiments are possible therefrom by those of ordinary skill in the art. However, such modifications should be considered to be within the technical protection scope of the present invention. Accordingly, the true technical protection scope of the present invention should be defined by the technical spirit of the appended claims.

Claims (15)

a first communication module configured to receive a subscription request for a financial product from a user organization, and provide a subscription result corresponding to the subscription request to the user organization;
The subscription request is converted into request data in a message format corresponding to a financial institution providing the financial product, and the result data in a message format received from the financial institution corresponding to the request data is converted to the subscription corresponding to the user institution. a data transformation module configured to transform into a result; and
a second communication module configured to transmit the request data of the telegram to the financial institution and receive the result data of the telegram from the financial institution;
The first communication module is further configured to receive a non-face-to-face document submission request from the user organization,
The non-face-to-face document submission request includes subscriber information for receiving online issuance documents for financial product subscription from a public institution server,
In response to the non-face-to-face document submission request, a document issued from the public institution server is received by accessing the public institution server in a scraping method using the subscriber information, and the issued document is used as authentication information of the subscriber. Further comprising a data providing module configured to provide to the financial institution for product subscription,
The subscription result is to be transmitted to the user organization by communication using a preset API,
The data conversion module is further configured to convert the result data of the telegram into the subscription result based on layout information defining a type of information corresponding to the user organization and an order of information corresponding to the user organization Product subscription brokerage service system.
According to claim 1,
The first communication module is further configured to receive a financial product inquiry request from the user organization,
The data providing module is further configured to provide financial product information scraped from one or more financial institutions and stored in the financial product subscription brokerage service system to the user institution in response to the financial product inquiry request. .
delete According to claim 1,
The data conversion module is further configured to provide, to the user organization connection information for transmitting contract information for a financial product subscription to the financial institution, to the user institution in response to a request for receiving contract information received from the user institution Brokerage service system.
5. The method of claim 4,
The connection information includes a bridge URL for the user institution to call a user interface of the financial institution through direct communication with the financial institution.
6. The method of claim 5,
The second communication module is further configured to receive the result data of the telegram from the financial institution in response to the contract information being received from the financial institution by using the bridge URL.
delete receiving, by a financial product subscription brokerage service system, a subscription request for a financial product from a user organization;
converting, by the financial product subscription brokerage service system, the subscription request into professional-type request data corresponding to a financial institution providing the financial product;
The financial product subscription brokerage service system receives a non-face-to-face document submission request from the user organization, wherein the non-face-to-face document submission request includes subscriber information for issuing an online issuance document for financial product subscription from a public institution server, receiving the non-face-to-face document submission request;
receiving, by the financial product subscription brokerage service system, the document issued from the public institution server by accessing the public institution server in a scraping method using the subscriber information in response to the non-face-to-face document submission request;
providing, by the financial product subscription brokerage service system, the issued document as authentication information of the subscriber to the financial institution for subscription to a financial product;
transmitting, by the financial product subscription brokerage service system, the request data of the professional method to the financial institution;
receiving, by the financial product subscription brokerage service system, result data in a professional manner from the financial institution in response to the request data;
converting, by the financial product subscription brokerage service system, the result data of the professional method into a subscription result corresponding to the user institution; and
Comprising the step of providing, by the financial product subscription brokerage service system, the subscription result to the user organization,
The subscription result is to be transmitted to the user organization by communication using a preset API,
In the step of converting the subscription result into the subscription result, the financial product subscription brokerage service system, based on the layout information defining the type of information corresponding to the user organization and the order of information corresponding to the user organization, may include: and converting result data into the subscription result.
9. The method of claim 8,
scraping, by the financial product subscription brokerage service system, financial product information from one or more financial institutions;
receiving, by the financial product subscription brokerage service system, a financial product inquiry request from the user institution; and
and providing, by the financial product subscription brokerage service system, the financial product information to the user organization in response to the financial product inquiry request.
delete 9. The method of claim 8,
providing, by the financial product subscription brokerage service system, connection information for transmitting contract information for financial product subscription to the financial institution, to the user institution after the step of transmitting the request data in the professional manner to the financial institution; Further comprising a financial product subscription brokerage service method.
12. The method of claim 11,
The connection information includes a bridge URL for the user institution to call a user interface of the financial institution through direct communication with the financial institution.
13. The method of claim 12,
The receiving of the result data of the professional method is performed in response to the receipt of contract information to the financial institution using the bridge URL.
delete A computer program stored in a computer-readable recording medium to perform the financial product subscription brokerage service method according to any one of claims 8, 9 and 11 to 13 in combination with hardware.

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