KR20040002812A - Method of bank transaction using tailored customer account and its system - Google Patents

Abstract

PURPOSE: A banking method using a customized account number and a system for the same are provided to improve convenience of banking by enabling a user to make his/her own account number by himself/herself. CONSTITUTION: The banking system comprises a banking terminal(50) for inputting data for banking of own account(5), a host computer(10) for processing banking task transferred by the banking terminal(50) using the LAN(100) or Internet(200), a D/W server(Data Warehouse server, 30)for collecting and analyzing banking data of the user, and a D/W(Data Warehouse, 40). A management part for a customized account number database(11) processes the required banking task by searching the account data linked with the customized account number of the user. The management part for a customized account number database(11) stores and maintains a management ledger at the database(11).

Description

Method of bank transaction using tailored customer account and its system

According to the present invention, a bank assigns a custom account number directly determined by a customer to a customer who has a bank account of the bank, and stores and manages the custom account number and information of the account associated with the bank in a database. In the case of a financial transaction using an account number, the bank processes a requested financial transaction by interworking with a customer's own account linked to a customized account number stored in the database, and uses the customer's customized account number. And to the system.

In general, a customer using a bank will have at least one magnetic account at the bank, where the account number is the account number provided unilaterally by the bank when the customer opens the account. It is given arbitrarily according to the system or computer system. Therefore, due to the complexity of the account number, the customer often forgets the account number, which is inconvenient to check the corresponding account number in the financial transaction for his or her account or another person's account.

The present invention has been made to solve the above-mentioned conventional problems, the bank is linked to the corresponding customer account to the customer having the bank account for the account, and the customer's personalized account number determined by the customer directly, the information to the database After saving and registering, the customer requests the bank for a financial transaction using the customer-specific account number that he registered, and the bank uses the customer's own account linked to the customer-specific account number used for the financial transaction. It is an object of the present invention to provide a banking method and a system using a customer-specific account number for processing a transaction.

1 is a schematic configuration diagram of a banking system of the present invention;

2 is a flowchart of the bank transaction method of the present invention;

3 is a diagram showing the data structure of the present invention customized account number database.

Explanation of symbols on the main parts of the drawings

5; Customer's Account

10; Host computer 11; Customized account number D / B management department

20; Custom Account Number DB

30; D / W server 31; Customized account number D / W management department

40; D / W

50; Trading terminal

100; LAN200; Internet network

The configuration of the present invention for achieving the above object, the bank gives the customer with the account of the bank a personalized account number, which is the account number directly determined by the customer himself, the information of the custom account number and this custom account number Issuing procedure of a customer-specific account number for storing and maintaining information of the customer's own account connected to the database; When a customer requests a financial transaction using the personalized account number, the bank retrieves the personalized account number used in the requested financial transaction from the database to read the customer's account information associated with the personalized account number, Inquiry and remittance procedures of customer-specific account numbers that process the requested financial transactions for the customer's own account; It relates to a bank transaction method and system using a customer-specific account number, characterized in that consisting of.

Hereinafter, with reference to the accompanying drawings will be described in detail the bank transaction method and system using the customer-customized account number of the present invention.

1 is a schematic diagram of a banking system of the present invention. This will be described in detail with reference to the accompanying drawings.

The system of the present invention is connected to a transaction terminal 50 for inputting information necessary for financial transactions relating to the customer's transaction account 5, and from the transaction terminal 50 in conjunction with the LAN 100 or the Internet network 200. Collecting and analyzing the financial transaction information of the customer delivered from the transaction terminal 50 in conjunction with the host computer 10 and the LAN 100 or the Internet network 200 that performs the processing of the customer's financial transaction delivered A typical banking system having a D / W server 30 and a D / W 40 is included as a basic component.

First, the customer's transaction account 5 is a customer's bank account, the host computer 10 through the Internet terminal 200 or the transaction terminal 50 linked with the LAN 100 When a request for a financial transaction, such as a transfer / deposit / payment / inquiry, to a customer's trading account (5) is delivered, the requested financial transaction is performed for the corresponding account (5), and the financial transaction result is performed. The balance of the account is updated to store its balance information in a magnetic account DB (not shown). In addition, the customer may inquire the balance status of the updated magnetic account (5) through the transaction terminal (50).

In addition, the host computer 10 is directly determined by a customer having a bank account of the corresponding bank, and is connected to the LAN 100 or the Internet 200 using a customized account number having connection information with the bank account 5. When a financial transaction is requested via e), the linked personal account number database 20 is searched to read information about the customer's own account associated with the personalized account number used for the financial transaction, and the read the customer's own account. It includes a custom account number database management unit 11 for processing the requested financial transaction. In addition, the customized account number database management unit 11 stores the management ledger of the customized account number in the database 11 and maintains it.

The customized account number data D / W (Data Warehouse) server 30 stores the data accumulated in a database of an external financial institution D / W server (not shown) or a bank's previous legacy system (not shown). It refers to a server that converts a terminal to a common format that can be inquired and utilized by a terminal connected to 100) and is a general information analysis device that supports an operator's decision making through analysis of data stored in a database. The D / W server 30 has a D / W 40 that stores information analyzed by the server, and typically uses a relational database management system (RDBMS). 40) Maintain.

In addition, the D / W server 30 searches for the customized account number database 20, generates a ledger file and log file of the customized account number, stores the customized account number in the D / W 40, and maintains the customized account number. It includes a D / W management unit 31, the information managed in this way will support the decision of the bank operator regarding the operation of the points earned.

On the other hand, the transaction terminal 50 is interlocked with the LAN 100 or the Internet network 200, such as a server for performing CD banks, employee terminals or Internet banking or telephone banking of the bank, such as a customer or a bank employee of the customer General term for all terminals capable of conducting financial transactions for an account.

In addition, various technologies necessary for a normal bank transaction such as a physical interface or a communication network, a database, and security / authentication between the components are implemented by employing techniques known by those skilled in the art, and thus, detailed description thereof is omitted. do.

Next, an embodiment of a banking method using the customized trading account of the present invention will be described in a modified manner based on the flowchart of FIG. 2.

1) Issuance and termination of custom account numbers

Each step of issuing and canceling the customized account number according to the embodiment of the present invention is as follows.

When the customer himself or the bank operator connects to the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201), the host computer 10 returns to the transaction terminal. Ask 50 asks if a personalized account number has been issued and the desired personalized account number (step S202). Here, for example, the customer's landline or wireless telephone number (XX Bank 031-906-0987, 011-6582-5468), the customer's business registration number (XX Bank 201-21-1234), Alternatively, the combination of numbers may be a number that is easy for others to remember (XX Bank 1004, 7777, etc.).

Subsequently, in response to the customer issuing a customized account number and requesting the desired customized account number to the host computer 10 through the transaction terminal 50 (step S 203), the customized account number D of the host computer 10 is requested. / B management unit 11 searches the linked custom account number D / B (20) and whether the custom account number requested by the customer with the custom account numbers previously stored in the D / B (20) or at the bank side It is judged whether or not the set requirements (mandatory input conditions for constituting the account number, etc.) are met (step S204). As a result of the determination, if the custom account number requested by the customer can be registered in the D / B 20, information for linking the applied custom account number with the customer's own account 5 is generated, and the linking information thereof is customized. The data is stored in the D / B 11 (step S205). In this case, the custom account number management unit 11 may allow the customer to select a magnetic account 5 connected to the applied custom account number when the customer has a plurality of accounts 5.

In addition, the step of termination of the customized account number is as follows. The customer himself or the bank operator connects to the host computer 10 through the transaction terminal 50 connected to the LAN 100 or the Internet network 200 and displays the number of the customized account number which is desired to be terminated. When applying to the host computer 10 through the step (S 206), the custom account number D / B management unit 11 of the host computer 10 searches for the linked custom account number D / B (20) It is determined whether the custom account number applied for termination matches the custom account numbers previously stored in the D / B 20 (step S207). As a result of determination, if the custom account number that the customer applied for termination matches with the previously stored custom account number, the D / B management unit 11 requests information from the custom account number that the customer applied for termination from the D / B 20 and The information to be linked with the account 5 is deleted (step S208).

2) Trading account lookup using a custom account number

Each step of performing the account inquiry using the customized account number according to an embodiment of the present invention is as follows.

The customer himself or the bank operator connects to the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201), and the desired account 5 The account number of the customized trading account connected to the computer is input to the host computer 10 through the transaction terminal 50 (step S209). Then, the customized account number D / B management unit 11 of the host computer 10 searches for the linked customized account number D / B 20 and the customized transaction account number received from the customer is the D / B 20. In step S210, it is determined whether the customer's personalized account number is stored in advance. As a result of determination, if the custom account number input by the customer matches the custom account number of the customer previously stored in the D / B 20, the D / B management unit 11 stores the customer's account (5) associated with the matching custom account number. ) Information is read (step S 211), and the host computer 10 performs an account inquiry for the read magnetic account 5 and outputs it to the transaction terminal 50 (step S 212).

3) Account transfer transactions using a custom account number

Each step of performing the transfer of the account using the customized account number according to an embodiment of the present invention is as follows.

The customer himself or the bank operator connects to the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201), and the desired magnetic account 5 In step S213, the account number of the customized trading account connected to the host is input to the host computer 10 through the trading terminal 50. Then, the customized account number D / B management unit 11 of the host computer 10 searches for the linked customized account number D / B 20 and the customized transaction account number received from the customer is the D / B 20. In step S214, it is determined whether the customer's personalized account number is stored in advance. As a result of determination, if the custom account number input by the customer matches the custom account number of the customer previously stored in the D / B 20, the D / B management unit 11 stores the customer's account (5) associated with the matching custom account number. Information is read (step S 215), the host computer 10 transfers the funds to the read-out account 5, and outputs the transfer result to the transaction terminal 50 (step S 216).

4) Issuance booking transaction of custom account number

The performing step of reserving issuance of a customized account number according to an embodiment of the present invention is as follows.

The customer himself or the bank operator is connected to the host computer 10 through the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201), and the host through the transaction terminal 50. The computer 10 is asked whether it is possible to issue a personalized account number (step S 217). Then, the custom account number D / B management unit 11 of the host computer 10 receives the customer-customized account number desired through the transaction terminal 50 (step S 218), the linked custom account number D / Search B (20) to find out whether the custom account number entered by the customer is duplicated with the custom account numbers already stored in D / B20, or the requirements set by the bank (required input conditions for configuring the account number, etc.). (S 219). As a result of the determination, if the custom account number requested by the customer can be registered in the D / B 20, the trading terminal 50 notifies that the custom account number applied by the customer is available (step S 220), The transaction terminal 50 asks whether or not to reserve a customized account number (step S221). In response, when the customer applies for a reservation for a customized account number, the D / B management unit 11 generates information for linking the customer's own account 5 with the customized account number for which the customer applied for a reservation, and displays the connection information thereof. The customized account number is stored in the D / B 20 (step S222). In this case, the custom account number management unit 11 may allow the customer to select the magnetic account 5 connected to the custom account number for which the reservation is made, when the customer has multiple magnetic accounts 5.

On the other hand, the application for issuance and reservation of a personalized account number as described above may not be applied to all customers with the bank's own account, but the personalized account number may be issued only to customers who meet certain criteria determined by the bank. For example, if your bank is your primary bank and is a frequent customer with frequent financial transactions, or if your savings balance is above a certain threshold, or only for customers who have high creditworthiness on your financial transactions or automatically transfer your salary, You can issue a custom account number.

3 is a diagram showing the data structure of the present invention custom account number database 20. As shown in the figure, the present invention custom account number database 20 has a custom account number management data table and a custom account number. It has a reservation management data table.

The custom account number management data table is composed of records for each of the custom account numbers applied by the customer and registered in the D / B 20, and each record includes a record of a magnetic account linked to the custom account number. Information, D / B registration date, D / B termination date, and information of the current state (determination of dormant account or active account) are stored.

In addition, the custom account number reservation management data table is made up of a record of a custom account number applied for reservation, and stores the unique number of the customer who applied for reservation, the number indicating the reservation order, reservation date, and reservation time information. .

On the other hand, the custom account number D / W management unit 31 included in the D / W server 30 is a regular period by setting a predetermined period of the management data table of the custom account number stored in the custom account number D / B (20) Search and generate a log file of the customized account number, and maintain it, and the information maintained by the D / W management unit 31 can be used for decision support of the operator regarding the operation of the customized account number.

As described above, the bank transaction method and the system using the customized account number of the present invention have been described in detail with reference to the disclosed drawings, but this is only related to the embodiments of the present invention, and the scope thereof does not depart from the gist of the present invention. It will be apparent to those skilled in the art that various modifications may be made.

The effect of the bank transaction method and system using the present invention customized account number configured as described above is as follows.

Customers can make bank transactions using account numbers that are easy for them or others to remember, so that they do not need to memorize the account numbers that were previously unilaterally assigned by banks. have.

In addition, banks provide the convenience of financial transactions using a custom account number, allowing customers to increase the number of transactions processed by their banks, maintain financial transactions, and maintain the bank's business to customers. It is effective to enhance the enemy image.

Claims (7)

Finance of the customer delivered from the transaction terminal 50 in conjunction with the transaction terminal 50 for inputting information necessary for financial transactions with respect to the customer's transaction account (5), LAN 100 or the Internet network 200 D / W server that collects and analyzes the financial transaction information of the customer delivered from the transaction terminal 50 in conjunction with the host computer 10 performing transaction processing, LAN 100 or the Internet network 200 ( 30) and a conventional banking system with a D / W 40, The host computer 10 is directly determined by a customer having a bank account of the corresponding bank and connected to the LAN 100 or the Internet network 200 using a customized account number having connection information with the bank account 5. When a financial transaction is requested via the search, the linked personal account number database 20 is searched to read information about the customer's own account associated with the personalized account number used for the financial transaction, and the request is made for the read customer's account. Bank accounting system using a custom account number, characterized in that it comprises a custom account number database management unit 11 for processing the financial transaction. The method of claim 1, The D / W server 30 searches for the customized account number database 20, generates a ledger file and log file of the customized account number, stores the customized account number D / W 40, and maintains the customized account number D /. Bank management system using a custom account number, characterized in that it further comprises a W management unit (31). In the usual banking method, The bank assigns a custom account number, which is the account number of the customer's own decision, to a customer with the bank's own account, and stores the information of the custom account number and the customer's account associated with this custom account number in a database. A procedure for issuing and maintaining a customer-specific account number; When a customer requests a financial transaction using the personalized account number, the bank retrieves the personalized account number used in the requested financial transaction from the database to read the customer's account information associated with the personalized account number, Inquiry and remittance procedures of customer-specific account numbers that process the requested financial transactions for the customer's own account; Bank transaction method using a customer-specific account number, characterized in that consisting of. The method according to claim 3, wherein the procedure for issuing a customer-specific account number is as follows: The customer himself or the bank operator is connected to the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S201); The host computer 10 asks the transaction terminal 50 whether a personalized account number is issued and a desired personalized account number (step S202); In response to the customer issuing a personalized account number and requesting the desired personalized account number to the host computer 10 through the transaction terminal 50 (step S203); The customized account number D / B management unit 11 of the host computer 10 searches for the linked customized account number D / B 20 and the customized account number requested by the customer is stored in the D / B 20. Determining whether there is a duplication with the account numbers or whether the bank meets the requirements set by the bank (step S204); As a result of the determination, if the custom account number applied by the customer can be registered in the D / B 20, information for linking the applied custom account number with the customer's own account 5 is generated, and the linking information thereof is customized. Storing in the D / B 11 (step S 205); Bank transaction method using a customer-specific account number, characterized in that comprises a. The method of claim 3, wherein the account inquiry and the remittance procedure using the customized account number is The customer himself or the bank operator accessing the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201); Inputting the account number of the customized trading account linked to the desired account 5 to the host computer 10 via the trading terminal 50 (step S 209); The customized account number D / B management unit 11 of the host computer 10 searches for the linked customized account number D / B 20 and the customized transaction account number received from the customer is inputted to the D / B 20. Determining whether it matches a pre-stored custom account number of the customer (step S 210); As a result of determination, if the custom account number input by the customer matches the custom account number of the customer previously stored in the D / B 20, the D / B management unit 11 stores the customer's account (5) associated with the matching custom account number. Reading information of step (step S 211); The host computer 10 performing an account inquiry on the read-out account 5 and outputting it to the transaction terminal 50 (step S 212); A query sequence consisting of A step in which the host computer 10 sends an account to the read-out account 5 and outputs the result of the transfer to the transaction terminal 50 (step S 216); Bank transaction method using a customer-specific account number, characterized in that configured to include a remittance procedure consisting of. The method of claim 3, wherein The customer himself or the bank operator accessing the host computer 10 via the transaction terminal 50 connected to the LAN 100 or the Internet network 200 (step S 201); Requesting whether the personal computer number can be issued to the host computer 10 through the transaction terminal 50 (step S 217); The customized account number D / B management unit 11 of the host computer 10 receiving a desired customized account number through the transaction terminal 50 (step S 218); Search the linked custom account number D / B 20 to see if the custom account number entered by the customer is a duplicate of the custom account numbers previously stored in the D / B 20 or meets the requirements set by the bank. Determining (step S219); As a result of the determination, if the custom account number requested by the customer can be registered in the D / B 20, the trading terminal 50 notifies that the custom account number applied by the customer is available (step S 220), Asking through the transaction terminal 50 whether to reserve a customized account number (step S 221); In response, when the customer applies for a reservation for a customized account number, the D / B management unit 11 generates information for linking the customer's own account 5 with the customized account number for which the customer applied for a reservation, and displays the connection information thereof. Storing in the customized account number D / B 20 (step S 222); Issuance and reservation procedures for issuing a customized account number, including a bank transaction method using a customer-specific account number, characterized in that it further comprises. The method according to any one of claims 3 to 6, The customer-specific account number is a bank transaction method using a customer-specific account number, characterized in that the number of the customer's mobile phone terminal.