KR20010089022A - A method for obtaining authorization based on authorization level using communication network - Google Patents

Abstract

PURPOSE: A method for an approval by stages using a communication network is provided to perform a transaction rapidly without delay and to approve the transaction with accuracy by receiving an approval by a representative and a plurality of vice-representatives by stages. CONSTITUTION: An approval essential transaction by a stages approval system is started(80). A user transmits a wanted transaction request from the first server to the second server by watching a homepage being displayed on one's client device provided through the first server(81). The second server receives the transaction request and requests an approval to the second or the third approver(82). The second server reads the third approval range being stored in the data storing unit and searches the third approval range including the requested transaction out of the read the third approval range(84). If an identified approval range is displayed, the second server transmits an approval request to the corresponding third approver(85), and the third approver informs an approval. An approval confirming response is transmitted from the third approver to the second server device, the second server device processes the requested transaction(86).

Description

A method for obtaining authorization based on authorization level using communication network

The present invention relates to a step approval method using a communication network, and more particularly, a step approval method in which a plurality of registered approvers can approve a required approval transaction step by step through a communication network such as a wired or wireless internet network. It is about.

In general, in corporate banking, a task that is handled between a corporation and a bank is largely separated from a task requiring no approval and a task requiring approval. Tasks that do not require approval are those of relatively low importance and include a small number of tasks, such as simple lookups, where a business is unlikely to suffer damages even if the transaction is performed without approval, and requires approval (hereinafter referred to as "mandatory transactions" "," For example, can cause significant damage to a company when performed without the approval of the approver, such as transfer of funds, and much of the work between the company and the bank is a mandatory transaction.

Such a mandatory transaction has been conventionally handled in such a way that the bank carries out the transaction requested by the company after it has been approved by one representative approver, such as the CEO of the company. Therefore, the banks could not be approved due to various reasons such as the absence of representative approver, or the approval itself was delayed due to excessive workload of representative approver. In addition, even if the approval of the representative approver is almost formal, such as a very small amount of money transactions, there is a case where the process of obtaining the approval itself is an unnecessary delay factor because it is simply waiting for approval.

This delay in business processing was a major obstacle to both the company and the bank, and even if the company had to make an urgent deal, it caused the bank to be unable to process the transaction within the desired time due to the delay in approval. It was.

In order to solve this problem, the present invention is not dependent solely on the representative approvers, but is approved in stages by a plurality of second-order approvers who have been assigned to approve the partial approval to the representative approvers, so that transactions can be carried out quickly and without delay. It is an object of the present invention to provide a step approval method using a communication network that can be achieved.

In addition, the present invention enables the representative approver to grant the mobile approving authority to the next approver using the wireless network, so that the second approver can perform the approval without delay even when the mobile applicator is on the move. do.

In addition, the present invention allows a representative approver to designate, register, change, and delete the next approver and its approval range entirely by using a communication network, so that the approvers can be selected under the full control of the representative approver. Its purpose is to provide this possible step approval method.

In order to achieve the above object, the present invention provides a step-by-step method for approving a transaction required for approval between a bank and an enterprise using a communication network. Inputting a to the first client device; Transmitting the input first identity and first approval range to a server device of a bank through the communication network; Storing the transmitted first identity and first approval range in a first storage unit of the server device; The first rank approver additionally inputting a plurality of second identities of the plurality of second rank approver and a plurality of second approval ranges of the required transactions to the first client device, wherein the approval included in the second approval range An additional input step in which the number of mandatory transactions is smaller than the number of mandatory transactions included in the first approval range, and each of the plurality of second approval ranges does not overlap each other; The additionally inputted second plurality of identities and second approval ranges are transmitted to the server apparatus via the communication network and stored in a second storage unit of the server apparatus; Requesting an authorization required transaction from any user of the enterprise; The request of the required approval transaction is transmitted to the server device, and the server device reads, from the second storage unit, an approval range of the second rank approver in response to the request; Retrieving the read approval range and transmitting the approval request to the second client device of the second rank approver if there is a second approval range that matches the transaction request; Transmitting a request for approval to the first client device of the first rank approver by the server device if the second approval range does not exist as a result of the search; And when the approval confirmation response in response to the request for approval from the first or second rank approver is transmitted to the server device, performing the requested transaction by the server device.

In addition, the present invention is the step of each of the second rank approvers further input a plurality of third identities of the plurality of third rank approver and a plurality of third approval range of the approval required transaction, wherein the third approval range is respectively An additional input step selected to include a part of the required approval transactions included in the second approval range of each second ranking approver who further inputs the second approval range, wherein each of the plurality of third approval ranges is not overlapped with each other; The additionally inputted third identity and the third approval range are transmitted to the server device and stored in the third storage unit of the server device.

The above and other advantages of the present invention will be apparent to those skilled in the art through the following detailed description of the invention.

1 is a block diagram schematically showing the configuration of an entire system implementing the step approval method according to the present invention.

2 is a flowchart illustrating a registration process of a step approval method according to the present invention.

Figure 3 is a flowchart showing the process of performing the required transactions of approval of the step approval method according to the present invention.

4A is a diagram illustrating an example of a registration result inquiry screen of the step approval system according to the present invention, and FIG. 4B is a diagram showing an example of an inquiry screen displaying a transaction made using the step approval method according to the present invention. drawing.

EMBODIMENT OF THE INVENTION Hereinafter, the structure of this invention is demonstrated in detail, referring an accompanying drawing.

1 is a block diagram schematically showing the entire system 1 in which the step approval method according to the invention is implemented.

Referring to FIG. 1, the system 1 according to the present invention includes a client device unit 10, a server unit 20, 30, 40 for implementing a step approval method, and a firewall 50 for security.

The client device unit 10 includes a plurality of client devices 11-18, and the client device 11-18 has a hierarchical structure. That is, the client device unit 10 may be largely divided into a first client device 11, a second client device 12-14, and a third client device 15-18 as shown in FIG. 1.

The first, second and third client devices reflect the step-by-step approval structure, and the first client device 11 is inputted by the first rank approver who is the highest approver. In the second client device 12-14, information is input by a second rank approver who is a next-order approver designated by the first rank approver. There are a plurality of second client devices 12-14, and a plurality of third client devices 15 into which information is inputted by a second rank approver and by a third rank approver designated under the approval of the first rank approver. -18) exists. The number of second and third rank approvers is not limited to that shown in Fig. 1, and may be added as needed. Further, the third rank approver may also designate a plurality of subordinate approvers if necessary.

The client device unit 10 is connected to the first server 20 via a communication network. The communication network may be wired or wireless. The first server 20 may be implemented as, for example, a web server. In the case where the communication network is wireless, the first server 20 should be separately provided with a WAP gate so as to be dedicated to the existing WAP method. In addition, when the communication network is a wireless network, the client device unit 10 may be a mobile phone, a web-based PDA, a notebook, a facsimile and the like. Since wireless communication using such a device is sufficient to use a known WAP method, the detailed description thereof is omitted in the present invention.

The first server 20 receives the information transmitted from the client device unit 10 and transmits the information processed by the second server 31 that exists after the firewall 50 as shown in FIG. 1. As a result, the second server 31 serves as an interface between the client device unit 10. In addition, a plurality of users in the company may access the first server 20 and input necessary information for performing a desired transaction while performing a transaction while viewing the homepage of the bank. The transaction request is transmitted to the first server 20, and the second server 31 sends a request for approval to the transaction request through the first server 20 before processing the transaction request. Transfer to section 10.

Since the first server 20 is located before the firewall 50, only the matters that may be exposed to security are kept and processed therein. That is, the first server 20 performs a role for inputting, outputting and displaying information, and the actual transaction and approval processing is performed by the second server 30 located after the firewall 50.

The second server 31 performs substantial information processing in order to perform a transaction request from the client device unit 10 or from a plurality of users in the enterprise through the first server 20. The client device unit 10 cannot directly connect to the second server 31, and only information passing through the first server 20 and the firewall 50 reaches the second server 31. For example, a user in a certain company sees the display of the home page of the bank through the first server 20, and selects his password and the desired transaction through the home page. The transaction request and password selected by the user are processed after being transmitted to the second server 31 through the first server 20.

The second server 31 is connected to the data storage unit 32. The data storage unit 32 stores basic information necessary for the second server 31 to process the information. For example, when the money transfer transaction request is received by the second server 31, the second server 31 reads the corresponding information for processing the money transfer transaction request from the data storage 32 and transfers the money. You can process the transaction.

The data storage unit 32 is connected to the email server 33. The e-mail server 33 reads the information stored in the data storage 32 and sends an e-mail through the first server 20 if necessary. The e-mail server 33 is not directly related to the present invention, and thus will not be described in detail here.

On the other hand, the second server 31 is connected to the third server 40, which is a so-called host computer of a financial institution, which stores and processes information on all transactions occurring in the financial institution. Corresponds to the central processing unit. As illustrated in FIG. 1, the third server 40 is connected to an individual terminal 41 of each branch of a financial institution through, for example, a secure local area network.

When the third server 40 performs a transaction through a communication network such as the Internet, the third server 40 only serves as a storage device for storing information necessary when the second server 31 performs a transaction. For example, when the second server 31 conducts a money transfer transaction over the Internet, the second server 31 reads information about accounts to which funds are to be transferred from the third server 40. The money transfer transaction will be performed. In other words, the transaction through the communication network is made by reading the information stored in the third server 40 or the data storage unit 32 by the second server 31, while the overall processing of other banking operations is performed by the third server. At 40 is done.

The second server 31 and the third server 40 which exist after the firewall 50 can be directly accessed only by users in the bank, and general users outside the bank can access the servers for security. This is forbidden.

2 and 3, the step approval method according to the present invention will be described in detail.

2 is a registration process for performing the step approval method according to the present invention, which shows the registration process of the first rank approver and the subordinate approver.

Referring to Fig. 2, as the registration of the step approval system is started (step 60), the first rank approver first registers its identity (step 61). Although not shown in FIG. 2, the first rank approver may register the first approval range of the required transaction through the second and third servers 31 and 40 (see FIG. 1). The first scope of approval usually covers all the required transactions between the company and the bank, so registration may not be necessary. Once the first rank approver connects to a communication network such as the Internet via the first client device 10 as shown in FIG. 1, the first client device 10 and the first server 20 are online. . When the first rank approver views the homepage provided by the first server 20 and inputs a password indicating his or her identity in the corresponding column of the homepage, the inputted information is transmitted to the first server 20 through the communication network. Will be. The first server 20 transfers the input information to the second server 31 and stores the information in the data storage unit 32 or the third server 40.

Next, the first rank approver additionally inputs a second identity of the second rank approver corresponding to the second approver (step 63). Then, the first rank approver designates the second approval scope of the required transaction of the second rank approver (65). After the first rank approver designates the second identity and the second approval range of the second rank approver, proceeding to grant 66 the approving right.

In the granting of the right to approve, the first rank approver grants the right to vote to the second rank approver within the designated approval range. Accordingly, the second rank approver designated by the first rank approver can approve the transaction without additional approval of the first rank approver within the designated approval range. However, if the approval of the first rank approver is necessary as necessary, only the approval right may be granted in step 66, and the right to vote may not be granted. In such a case, the bank will conduct the transaction only with the final approval of the first rank approver.

In addition to the right of approval, the first rank approver may authorize the second rank approver to perform mobile banking as in step 67. Mobile banking allows second-ranking approvers to perform approvals on the go via mobile client devices such as mobile phones, PDAs, notebooks, facsimiles and satellites. In this case, the second-ranking approval authority can handle the tasks corresponding to the scope of his / her approval even while moving, so that the task processing can be speeded up.

The registration process of the step approval system is terminated when the first rank approver registers its identity, the second rank approver's identity and scope of approval, mobile banking authorization, and the like (step 68). If necessary, the first rank approver can check the status of the entire registration status via the communication network (see FIG. 4A).

Referring to FIG. 2, the first rank approver designates and registers the second rank approver. The process of registering the third rank approver as the second approver is substantially the same as described above. That is, the second rank approver additionally selects and registers the identity and scope of approval of the third rank approver and grants the approving right. Then, after determining whether to allow mobile banking, the registration process of the third-ranking approver is terminated.

At this time, it is a matter of course that the second-ranking approval authority should grant the third-ranking approval authority within the second approval scope and approval authority designated by the third-ranking approval authority.

There may be more than one second and third rank approver, in which case the scope of work for the required transactions shall not overlap. In addition, in the present invention, the first rank approver grants the right to approve the second and third rank approver in the direction of granting the right to execute all the required approval transactions assigned to them. Depending on the importance, they may register themselves for separate approval.

Meanwhile, the first rank approver may additionally register the second rank approver and the second rank approver may additionally register the third rank approver, but only the first rank approver may delete or change the second or third rank approver. have. In this way, the second or third rank approver can be placed under the full control of the first rank approver, thereby enabling consistency and accuracy of the approval task.

Now, the process of approval of the actual transaction after completing the step approval registration will be described.

FIG. 3 is a flowchart illustrating a process in which an actual approval required transaction is performed after the registration of the first, second and third rank approver as shown in FIG. 2 is performed.

Referring to FIG. 3, an authorization required transaction by the step approval system is started (step 80). Any user of an enterprise may view a home page displayed on his client device provided through a first server on the bank side (see 20 in FIG. 1) and send a desired transaction request through the first server 20 to the second server (FIG. 1 of 31) (step 81). After receiving the transaction request, the second server 31 requests the approval of the second or third rank approver (step 82).

At the same time as the request for approval, the second server 31 determines whether the requested transaction is within the approval range of the second or third rank approver by reading the second and third approval ranges stored in the data storage unit 32. . First, the second server 31 reads the third approval range stored in the data storage unit 32, and retrieves the third approval range including the requested transaction from the read third approval range (step 84). ). As a result of the search, if a matching third approval range appears, the second server 31 transmits an approval request to the third rank approver (step 85), and accordingly, the third rank approver informs the approval.

If it is determined by the second server 31 that the third rank approver has the mobile banking authority in the approval range from the contents stored in the data storage unit 32, the approval request is determined by a third party approver such as a mobile phone of the third approver. 3 is sent to the client device. Therefore, no time delay is required to obtain the necessary approval even if the third-ranking approval authority is moving.

When an acknowledgment response is transmitted from the third rank approver to the second server device 31, the second server device 31 processes and terminates the requested transaction (step 86).

On the other hand, if the requested transaction does not match the third approval range of the third rank approver, the second server 31 reads and retrieves the second approval range of the second rank approver from the data storage unit 32. At this time, if there is a second approval range that matches the requested transaction, the approval request is transmitted to the second rank approver (step 87). When an acknowledgment response is sent from the second rank approver to the second server 31 (step 88), the requested transaction is processed and closed (step 86).

As described above, the second server 31 determines whether or not the mobile banking authority is within the second approval range from the data storage unit 32 when the second rank approver is determined to be the corresponding approver. In this case, the required approval can be requested without delay.

If the second server 31 searches the second approval range and finds no second approval range matching the requested transaction, the approval request is naturally transmitted to the first ranking approver.

Figure 4b shows an example of an inquiry screen for requesting the approval of the account transfer, which is the required transaction for approval using the step approval method according to the present invention and displaying the approved result.

Although FIG. 4B shows an account transfer as an example of business processing through the step approval method, in addition, the business processing of the trade transaction approval work, manual deposit management work, unconfirmed deposit history management, risk management, etc. is step approved. This can be done by applying the method.

Through the above-described configuration, the present invention goes further to perform all the required approval transactions only through approval by the first rank approver, and is required by the second and third rank approver designated by the first rank approver through the communication network. Accurate approvals within the scope can speed up the process and ensure accuracy.

In addition, the step approval method according to the present invention, by granting the mobile banking authority to the second and third rank approvers, the approval work can be made quickly beyond the time and place limitations, remarkable delay time due to the approval Can be reduced.

In addition, the step approval method according to the present invention, so that the second, third rank approver divides the work of the first rank approver, and handles it, so that the second and third rank approver are managed entirely within the management scope of the first rank approver. This has the advantage of ensuring the stability of the transaction.

Those skilled in the art will be able to make various modifications to the invention without departing from the spirit and scope of the invention. Therefore, the present invention should not be limited to the above description but should be broadly interpreted based on the following claims.

Claims (7)

In a method for approving a required transaction between a bank and a company by using a communication network, Inputting, by the first rank approver of the company, the first identity and the first approved scope of the authorization required transaction into the first client device; Transmitting the input first identity and first approval range to a server device of a bank through the communication network; Storing the transmitted first identity and first approval range in a first storage unit of the server device; The first rank approver additionally inputting a plurality of second identities of the plurality of second rank approver and a plurality of second approval ranges of the required transactions to the first client device, wherein the approval included in the second approval range An additional input step in which the number of mandatory transactions is smaller than the number of mandatory transactions included in the first approval range, and each of the plurality of second approval ranges does not overlap each other; The additionally inputted second plurality of identities and second approval ranges are transmitted to the server apparatus via the communication network and stored in a second storage unit of the server apparatus; Requesting an authorization required transaction from any user of the enterprise; Requesting the approval required transaction to be transmitted to the server device, wherein the server device reads, from the second storage unit, an approval range of the second rank approver in response to the request; Retrieving the read approval range and transmitting a request for approval to a second client device of the second rank approver if there is a second approval range that matches the transaction request; Transmitting a request for approval to the first client device of the first rank approver by the server device if the second approval range does not exist as a result of the search; And, When the approval confirmation response in response to the approval request from the first or second rank approver is transmitted to the server device, the server device performing the requested transaction; Step approval method comprising a. In a method for approving a required transaction between a bank and a company by using a communication network, Inputting, by the first rank approver of the company, the first identity and the first approved scope of the authorization required transaction into the first client device; Transmitting the input first identity and first approval range to a server device of a bank through the communication network, and storing the first identity and the first approval range in a first storage unit of the server device; The first rank approver additionally inputting a plurality of second identities of the plurality of second rank approver and a plurality of second approval ranges of the required transactions to the first client device, wherein the approval included in the second approval range An additional input step in which the number of mandatory transactions is smaller than the number of mandatory transactions included in the first approval range, and each of the plurality of second approval ranges does not overlap each other; The additionally inputted second plurality of identities and second approval ranges are transmitted to the server apparatus via the communication network and stored in a second storage unit of the server apparatus; Wherein each of the second rank approvers further inputs a plurality of third identities of the plurality of third rank approver and a plurality of third approved ranges of the required transactions, wherein each of the third approved ranges is further inputted by each An additional input step selected to include a part of the required approval transactions included in the corresponding second approval range of the second ranking approval holder, wherein each of the plurality of third approval ranges does not overlap each other; And, The additionally inputted third identity and the third permission range are transmitted to the server apparatus and stored in a third storage unit of the server apparatus; Step approval method comprising a. The method of claim 2, wherein the step approval method is Requesting an authorization required transaction from any user of the enterprise; The transaction request is transmitted to the server device, and the server device reads from the third storage unit a corresponding third approval range of a third rank approver in response to the request; Retrieving the read third approval range, and if there is a third approval range that matches the transaction request, transmitting the approval request to the third client device of the third rank approver; If the transaction request does not match the read third approval range, the server apparatus reads a plurality of second approval ranges from a second storage to retrieve a second approval range that matches the transaction request; Transmitting a request for approval of the requested transaction to a second client device of a second rank approver corresponding to the second approval range when a second approval range matching the transaction request is found; Transmitting a request for approval to a first client device of a first rank approver if a second approval range matching the transaction request is not found; And, If the approval confirmation response in response to the approval request from the third, second or first rank approver is transmitted to the server device, performing the requested transaction by the server device; Step approval method further comprising. The method according to claim 2 or 3, wherein the second, third identity and second and third approval ranges of the second rank approver and the third rank approver from the first client device of the first rank approver are deleted or Inputting a change request; After the input request is transmitted to the server device, deleting or changing the corresponding identity and the permission range from the second and third storage units by the server device; And, Notifying the first client device of the deletion or change after the deletion or change; Step approval method further comprising. 4. The method of claim 2 or 3, further comprising: inputting a request to delete or change the third identity and the third approval range from the second client device of the second rank approver; Transmitting the input request to the server device; The transmitted request is sent to the first client device to obtain an authorization request; And, Deleting or changing, by the server device, a third identity and a third approval range after the approval acknowledgment for the approval request from the first client device is transmitted; Step approval method further comprising. 4. A personal computer, a mobile phone, a web-based PDA, a notebook and a facsimile according to claim 2 or 3, wherein the communication network is wired or wireless internet and the third, second and first client devices are wireless communication. Step approval method, characterized in that one selected from the group consisting of. 4. The method of claim 2 or 3, wherein the first rank approver includes a mobile approval over the wireless network within the second and third grant ranges.