KR20090078652A - System for providing financial service by using electronic document and method thereof - Google Patents

Abstract

A financial service system using an electronic document and a service method thereof are provided to simplify a business process for a safekeeping service of documents generated in relation to a foreign exchange financial service, and to obtain real-time effect and reliability of business processing. Customer clients(102/1-102/n) selectively receive financial related services by using service application forms provided by a financial business server. The financial business server provides a service response form provided from a related host to the customer clients as an account processing result, and transmits the service application form and the service response form to an authorized electronic document safekeeping service server(116). The electronic document safekeeping service server stores the service application form and the service response form in an electronic document repository.

Description

Financial service system using electronic document and its service method {SYSTEM FOR PROVIDING FINANCIAL SERVICE BY USING ELECTRONIC DOCUMENT AND METHOD THEREOF}

The present invention relates to a technique for providing financial related services online, and more particularly, to provide foreign exchange financial related services to client clients or financial institutions through online networking using electronic data interchange (EDI). It relates to a suitable financial service system and a service method thereof.

In recent years, with the development of network and communication technology, numerous online businesses have been carried out using the network between clients and clients, between clients and servers, or between servers and servers. It is becoming reality.

As is well known, in financial transactions between individuals, between individuals and companies, and between companies, various applications and bills necessary for financial transactions are generated, and in particular, more various documents are generated in trade and financial transactions.

As such, the documents generated through financial transactions may be somewhat different from country to country, but for the notarization of documents, mandatory preservation is required through the official document archives. Related documents are required to be kept by the Korea Trade and Finance Agency (KFTC) on designated trade automation companies (eg, Korea Trade Information & Communications: Korea tread network (KTNET)). Here, it can be said that the KFTC functions as a relay agency for counting and relaying electronic documents.

Therefore, each financial institution that provides foreign exchange-related financial services sends out electronic documents (EDI) generated by providing foreign exchange financial services, and sends them to the trade automation designated company. It is preserved for a specified period.

That is, in the conventional method, the user of the foreign exchange financial service and the financial institution electronically document each document related to the foreign exchange financial transaction and deliver it to the KFTC (for example, delivery of personal information, online delivery, etc.). After internal processing such as aggregate processing, related electronic documents are delivered to the trade automation designated company (eg, personal delivery, online delivery, etc.), and the trade automation designated company stores the received electronic documents in the document storage (database). The process of documenting and accrediting documents arising out of the forex financial services is carried out.

In this case, it is because each financial institution does not transmit electronic documents related to foreign exchange financial services directly to the trade automation designated company, but through the KFTC as the trade automation access protocol in the bank common network.

In the conventional method of storing documents generated in relation to KEB through a series of processes as described above, the KEB user (customer) electronically documents an application document and delivers it to KFTC. Since each financial institution must send various documents (electronic documents) related to foreign exchange financial services directly to KFTC, aggregate them in the KFTC, and then deliver the relevant electronic documents directly to the trade automation designated company. Not only is the work for processing (document archiving) complicated, but there is also a problem that it takes a lot of time and money unnecessarily.

According to an aspect, the present invention provides a system for providing financial related services to customer clients that can be selectively accessed online through a network, and optionally receives financial related services using a service application provided online by a financial business server. When the service application is received online from the client client, the client performs a corresponding account processing through communication with the relevant host, and provides the client client with a service response provided from the related host as a result of the account processing. And storing the service application form and the service response form provided in the electronic document repository, and transmitting the service application form and the service response form to an authorized electronic document storage service server. It provides the financial service system using electronic documents that contain electrical and electronic document archiving services server.

According to another aspect, the present invention provides a method for providing financial related services to customer clients that can be selectively accessed online through a network, wherein the client client requests a financial service by filling out a service application provided online by a financial business server. And in response to the request of the financial service, executing an account processing for the financial service through online communication with an associated host, and wherein the related host responds to a service corresponding to the financial service through the account processing. Generating a document and providing it to the financial business server, transmitting the provided service response to the customer client, and transmitting the service application and the service response to an authorized electronic document storage service server for storage. Electronic documents Provide financial services.

The present invention automatically delivers electronic documents generated when a financial institution that provides foreign exchange financial services to client clients to an authorized electronic document storage service server through a relay server at the time of occurrence. In this way, the electronic documents related to KEB can be automatically stored (certified) in the document archive, thereby simplifying the work process for archiving service related to KEB. This can result in savings in reliability, reliability and time / cost.

The technical gist of the present invention is that, when various documents are generated in relation to the foreign exchange financial service, the foreign exchange financial service user (customer) electronically documents the application document and delivers it to the relay agency, and then, the aggregated process is completed by the relay agency, and then the electronic document storage. It is different from the above-described conventional method of electronically documenting bills, notices, etc. generated by financial institutions in response to applications, and forwarding them to the relay institution, which are then aggregated by the relay agency and delivered to the electronic document repository. Otherwise, the financial institutions automatically send electronic documents generated when providing financial related services to client clients online to the relay server server, aggregate them on the relay server server, and send them online to the electronic document storage service server. Automatically send service related electronic documents to the document archive Through this technical means, the present invention can secure the real-time and reliability of the storage (authentication) processing of electronic documents related to foreign exchange financial services through such technical means, and also requires the processing and storage of electronic documents. Save time and money.

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

1 is a block diagram of a financial service system using an electronic document according to a preferred embodiment of the present invention, which includes a client client group 102 and a financial portal server including a plurality of client clients 102/1-102 / n. 104), portal DB 106, financial integration server 108, electronic document integration DB 110, host 112, relay server 114, electronic document storage service server 116 and electronic document DB 118 And the like.

Referring to FIG. 1, each of the client clients 102/1-102 / n in the client client group 102 is financed through a network (not shown) including, for example, the Internet using a leased line, an ADSL, a modem, or the like. It is a customer terminal (eg, a PC system, a wired communication terminal, a server, etc.) accessible to the portal server 104, and each of these customer clients 102/1-102 / n connects to the financial portal server 104. Thus, general financial services related to finance and foreign exchange finance related services provided according to the present invention may be provided.

Next, the financial portal server 104 refers to a foreign exchange portal server that provides, for example, an Internet banking service related to foreign exchange finance to each client client. The foreign exchange portal server is a server operated by each financial institution. In order to provide forex-related financial services according to the present invention, various applications in the form of electronic documents are provided to client clients, for example, application for opening of irrevocable currency credit (APP700), application for change of irrevocable currency credit (APP707), application for payment confirmation (APPCOP). When purchasing a domestic credit card, purchase order (collection) request form (APPSPC), domestic credit card opening application form (LOCAPP), domestic credit change application form (LOCAMR), import freight lien guarantee (India acceptance) application form (APPLOG), export bond purchase application form Provide customer applications for services such as APPNEG, PAYORD, etc.

To this end, the portal DB 106 includes an application for establishing an irrevocable wreath credit, an application for changing an irrevocable wreath credit, an application for confirming payment, a purchase request for collection of domestic credits, a request for opening a domestic credit card, an application for changing a domestic credit card, and an income. Service application data such as freight forwarding application (delivery acceptance) application, export receivable purchase application, payment instruction, etc. are stored, and also service history information related to foreign exchange finance provided to client clients.

Therefore, each client client connects (logs in) to the financial portal server 104 through the network, requests an application that he / she wants to service, and then provides a service application (electronic document application) provided by the financial portal server 104 through the network. You can get the foreign exchange financial services you want by writing.

That is, when the financial application server (WEB-EDI document) is received online from any customer client, the financial portal server 104 stores it in the portal DB 106 and transmits it online to the financial integration server 108, and the financial integration is performed. When a service response (eg, a service response including a response, a bill, a notice, etc.) corresponding to the service application is received from the server 108 side, it is stored in the portal DB 106 and online to the corresponding customer client. Provides services such as sending.

Next, the financial integration server 108 refers to an integrated server of a financial institution that provides Internet banking services related to foreign exchange finance to each client client using the foreign exchange portal server 104 as an online medium. When a service application is received from the portal server 104, it is verified whether the document conforms to a standard standard (e.g., trade network standard protocol) specified (e.g., inter-segment agreement verification, inter-element agreement verification, code level verification, kinsoku character verification, etc.). When it is determined that the service application meets the standard agreement, it is stored in the electronic document integration DB 110, and then converted into a host format and transmitted to the related host 112, and from the host 112 to the service application. When a corresponding service response (eg, service response including a response, bill, notice, etc.) is received, it is converted into an electronic document (EDI). After storing the integrated electronic document DB (110) and provides functions such as sending a financial portal server 104. To this end, the financial integration server 108 is provided with a WEB-EDI processing module for processing standard electronic documents, although not shown in the drawings.

In addition, the financial integration server 108 provides a service of encrypting the service application form and the service response form of the electronic document and transmitting it to the relay server 114 (transmission for the storage request of the electronic document). Here, encryption means, for example, BUD-Financial encryption established by the financial sector cryptography standard.

To this end, the electronic document integration DB 110 includes a variety of service application-related electronic documents received from each of the client clients through the financial portal server 104 and the corresponding various service response-related electronic documents received from the host 112 Stored.

Here, the host 112 refers to a system such as a server located at a branch of each financial institution, for example, and a corresponding business process when a service application converted from the financial integration server 108 into a host format is received. Provide a service such as executing (account processing), generating a service response form including a bill, a notice, etc. as a result of the execution of the business process, and sending the service response generated in this way to the financial integration server 108 online. .

Next, the relay server 114 refers to a server operated by an authorized institution such as the Korea Financial Services Agency, for example, and when the service application and the service response form are received from the financial integration server 108, the relay server 114 aggregates them. After this, the electronic document storage service server 116 provides services such as sending online. That is, the relay server 114 may be considered to perform a role of relaying a document storage service between the financial integration server 108 and the electronic document storage service server 116.

In addition, the electronic document storage service server 116 may be a designated operator (eg, Korea Trade Information and Communication Service) that provides a service for storing (certifying) electronic documents (service application form, service response form, etc.) generated in relation to the foreign exchange financial service. KTNET)) means a server operated by the side, and stores the electronic documents received online in the electronic document DB 118 for a period prescribed by law (for example, the daily transaction record is one month after the last business day of the month). For example, a monthly transaction record is maintained for one year after the last month's work is recorded (certification service).

Here, the forex integration server 108 side does not directly transmit the electronic document (service application, service response) for storage (for preservation) to the electronic document storage service server 116, but instead of a relay server such as a financial settlement agency ( The reason for transmitting via 114 is because, for example, it is prescribed in the trade automation network access protocol of the bank common network.

Therefore, according to the financial service system of the present invention, the electronic document storage (electronic document of the electronic document service server) related to the use history of the foreign exchange financial service provided to each client client through the online processing between the servers as described above. DB can be automatically archived (automatic authentication) in real time.

Meanwhile, in the preferred embodiment of the present invention, a financial portal server and a financial integration server are separately provided to provide a foreign exchange financial service. However, this is merely an exemplary presentation, and the present invention is not necessarily limited thereto. Of course, it can also be configured to provide forex finance-related services through one integrated server (for example, a financial business server) instead of four servers.

Next, a process of providing an electronic document storage service related to foreign banking in accordance with the present invention using the financial service system having the above-described configuration will be described.

2 is a flowchart illustrating a process of providing a financial service using an electronic document according to a preferred embodiment of the present invention.

Referring to FIG. 2, when a specific client client connects (logs in) to the financial portal server 104 through a network (step 202), the financial portal server 104 initially includes items for applying for foreign exchange financial services. The menu screen is withdrawn from the portal DB 106 and provided to the customer client. As a result, the initial menu screen is displayed on the monitor of the customer client (step 204).

Thus, the client client user may request a desired service by selecting (clicking) one of the items on the initial menu screen. When the client client user requests a foreign exchange finance related service such as a payment instruction, (Step 206), the financial portal server 104 retrieves the payment instruction file from the portal DB 106 and provides it to the corresponding client client (step 208).

As a result, a payment instruction in a format as shown in FIGS. 3A and 3B is displayed on the monitor of the client client as an example, and the client client user enters (enters) necessary information for each item of the payment instruction. The payment instructions will be prepared (step 210).

Next, when the customer client user completes the preparation of the payment instruction and selects the service application (step 212), the created payment instruction (service application) data (electronic document data) is sent to the financial portal server 104 side through the network. The financial portal server 104 stores the received payment instruction data in the portal DB 106 and transmits the received payment instruction data to the financial integration server 108 again (step 214).

In response, the financial integration server 108 verifies that the received payment instruction (service application) is a document conforming to the prescribed standard protocol (eg, trade network standard protocol), such as inter-segment protocol verification, inter-element protocol verification, code When performing the level verification, the banning character verification, etc., and determined to be a payment instruction that satisfies the standard agreement, and storing it in the electronic document integration DB 110, it has the form as shown in FIG. 4 as an example. Convert to host format (step 216), and send the converted payment instruction online to host 112 to request account processing.

As a result, the host 112 executes account processing for the received payment instruction (step 218), and as a result, generates (issues) a service response (e.g., a bill), and finances the service response generated in this way. Online transfer to integration server 108 side (step 220).

Next, the financial integration server 108 converts the service response (bill) received from the host 112 into an electronic document (EDI), for example, into an electronic document having a form as shown in FIG. 5 as an example. (Step 222), the converted bill is stored in the electronic document integrated DB (110).

Subsequently, the financial integration server 108 transmits the bill, which is a service response, to the financial portal server 104 side and provides it to the corresponding customer client (step 224), so that the customer client user receives the bill displayed on his monitor. The reporter will recognize that the foreign exchange financial service he / she has applied for has been completed.

Again, the financial integration server 108 withdraws the payment instruction, which is a service application form, from the electronic document integration DB 110, and encrypts the bill data converted into the electronic document using, for example, a BUD-Financial encryption algorithm. The encrypted electronic document (payment instruction, bill) is transmitted online to the relay server 114 with its identifier information (a unique identifier code indicating that it is a financial institution operating a financial integration server) (step 226).

In response, the relay server 114 processes the received payment instruction and the calculation of the bill, and then processes the electronic document (payment instruction, bill) when the electronic document is stored as a valid electronic document. 116) requesting the preservation (authentication) of the electronic document by sending online. At this time, although the illustration in the drawings is omitted, if the received electronic document is found to be invalid, the relay server 114 notifies the financial integration server 108 side, through this from the financial integration server 108 Additional procedures, such as resending electronic documents (validated electronic documents), will be performed.

As a result, the electronic document storage service server 116 stores (authenticates) the received electronic document in the storage area of the financial institution provided in the electronic document DB 118 (step 228). Here, the storage period of the electronic document, for example, the daily transaction record may be one month after the last business day work of the month, the monthly transaction record may be one year after the last month's work of the year.

Thereafter, the electronic document storage service server 116 generates a preservation guide message indicating the storage history of the electronic document and sends it online to the financial integration server 108 through the relay server 114 (step 230), and as a result, the financial integration. The server 108 recognizes that the electronic document that he requested for document preservation has been stored in the document storage, and registers (eg, displays a tag) that the electronic document stored in the electronic document integration DB 110 has been stored in the document storage. .

On the other hand, in the present invention, unlike the above-described online transmission of the preservation guidance message to the financial integration server 108 via the relay server 114, the electronic document storage service server 116 side via the relay server 114 Of course, it can be set to send the preservation guidance message directly to the financial integration server 108 directly online.

Furthermore, the financial consolidation server 108 that has received the retention guidance message may, according to need or use, generate a corresponding retention guidance message for the customer and set it to be sent online to the corresponding client client through the financial portal server 104. Of course.

In the above description has been described by presenting a preferred embodiment of the present invention, but the present invention is not necessarily limited to this, and those skilled in the art to which the present invention pertains within a range without departing from the technical spirit of the present invention It will be readily appreciated that branch substitutions, modifications and variations are possible.

1 is a block diagram of a financial service system using an electronic document according to an embodiment of the present invention;

2 is a flowchart illustrating a process of providing a financial service using an electronic document according to a preferred embodiment of the present invention;

3A and 3B are screen examples of a service application form (payment instruction) provided according to the present invention;

4 is an exemplary view showing a screen of converting a service application form (payment instruction sheet) into a host format according to the present invention;

5 is an exemplary view of a screen converting a service response (bill) received from a host into an EDI document according to the present invention.

<Description of the code | symbol about the principal part of drawing>

102: customer client group 102/1-102 / n: customer client

104: financial portal server 106: portal DB

108: financial integration server 110: electronic document integration DB

112: host 114: relay server

116: electronic document storage service server 118: electronic document DB

Claims (14)

A system that provides financial services to customer clients that can be accessed online selectively through a network. A client client that is selectively provided with financial-related services using a service application provided online by a financial business server, When a service application is received online from the client client, the corresponding account processing is performed through communication with the relevant host, and the service response provided from the related host as a result of the account processing is provided to the client client; The financial business server for sending an application and a service response to an authorized electronic document storage service server; The electronic document archiving service server for storing the service application form and the service response form provided from the financial business server in an electronic document repository; Financial service system using an electronic document comprising a. The method of claim 1, And the financial business server performs online communication for account processing with the host when the received service application satisfies a prescribed standard protocol. The method of claim 1, The system, A relay server that aggregates the service application form and the service response form provided from the financial business server and transmits the aggregated service application form and the service response form to the electronic document storage service server; Financial service system using an electronic document, characterized in that it further comprises. The method according to any one of claims 1 to 3, And the financial business server converts the service application form into a host format and provides it to the related host for processing the account. The method according to any one of claims 1 to 3, The electronic document storage service server stores the service application form and the service response in the electronic document storage, generates a preservation guide message indicating the storage history, and notifies the financial business server of the financial service using the electronic document. system. The method of claim 5, wherein The financial business server, the financial service system using the electronic document, characterized in that for generating the customer retention guidance message corresponding to the retention guidance message to the customer client. The method according to any one of claims 1 to 3, The financial business server, the financial service system using an electronic document, characterized in that the service application and the service response is encrypted and transmitted to the electronic document storage service server. As a method of providing financial-related services to customer clients that can be selectively online connected through a network, Requesting financial services from a client client by completing an application form provided by the financial business server online; In response to the request of the financial service, executing an account processing for the financial service through online communication with a related host; Generating, by the associated host, a service response corresponding to the financial service through the account processing, and providing the service response to the financial business server; Sending the provided service response to the customer client; The process of transferring the service application form and service response form to an authorized electronic document storage service server for storage. Financial service method using an electronic document comprising a. The method of claim 8, The financial business server verifying whether the service application meets a prescribed standard agreement, and performing online communication for account processing with the host when the financial application server meets the prescribed standard agreement. Financial service method using an electronic document, characterized in that it further comprises. The method of claim 8, The method, Performing aggregation processing on the service application form and service response form, and transmitting the aggregated service application form and service response form to the electronic document storage service server; Financial service method using an electronic document, characterized in that it further comprises. The method according to any one of claims 8 to 10, And the service application provided to the related host by the financial business server for the account processing is an application converted into a host format. The method according to any one of claims 8 to 10, The method, Generating, by the electronic document storage service server, a preservation guide message indicating a storage history of the electronic document and notifying the financial business server; Financial service method using an electronic document, characterized in that it further comprises. The method of claim 12, The method, Generating, by the financial business server, a preservation guide message for a customer corresponding to the preservation guide message, and providing the preservation guide message to the customer client; Financial service method using an electronic document, characterized in that it further comprises. The method according to any one of claims 8 to 10, The service application and the service response transmitted to the electronic document storage service server is a financial service method using an electronic document, characterized in that the encrypted electronic document.

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