KR100342723B1 - The notification method of bank account updating - Google Patents

Abstract

The present invention relates to a bank account contents change notification method for automatically notifying the details of a bank account when the balance changes due to the receipt or withdrawal of the account. When a request for a change in notification service contents is requested, a registration process is performed, and a change of the account is automatically notified to a plurality of service receiving devices designated by the customer as the account contents of the customer who applied for the notification service is changed. It can reduce the inconvenience and hassle of checking the account changes all the time and reduce the disadvantages caused by lack of balance.

Description

{The notification method of bank account updating}

The present invention relates to a bank account contents change notification method applied to the field of integrated construction of a computer and an exchange device of information and communication technology, and more particularly, the changed account to a terminal registered by a subscriber of a computer system notified of the change of the account. It is about bank account contents change notification method to let you know the contents of.

In order to know the details of a bank account's deposits and withdrawals, it is necessary to check the bank account or cash machine from time to time. In some cases, withdrawal of money from the account, such as by automatic payment, may result in overdue payments due to lack of balance, which may result in a loss of credit to the owner of the bank account and damages due to payment of the late fee.

In order to prevent such damages, conventional banks provide services such as automatic response system (ARS), PC banking, and phone banking to check the account changes. In addition, invoices for payment of usage fees shall specify the usage fee and settlement date.

However, the conventional service is possible only with the active action of the person, and if you want to check the deposit is cumbersome to inquire the contents of the account from time to time.

Accordingly, the present invention has been made in view of the above-described conventional circumstances, and provides a bank account contents change notification method for automatically notifying the details of the account in a manner designated by the owner of the account when the balance changes due to the receipt or withdrawal of the account. There is a purpose.

In order to achieve the above object, a method of notifying change of a bank account according to a preferred embodiment of the present invention includes a first process of registering a notification service request, notification service cancellation, and notification service content change request by a customer. ;

And a second process of automatically notifying the change contents of the account to a plurality of service receiving apparatuses designated by the customer as the account contents of the customer who registered for the notification service are changed;

The plurality of service receiving apparatuses may be selected according to a priority designated by a customer when the change notification is automatically notified.

1 is a system configuration to which the present invention is applied,

2 is a processing flowchart of the service matching system shown in FIG. 1;

3 is a processing flowchart of the service control system shown in FIG. 1;

4 is a processing flowchart when a user of a service designates a general telephone as a service receiving apparatus according to an embodiment of the present invention;

5 is a processing flowchart when a user of a service designates a wireless pager as a service receiving apparatus according to an embodiment of the present invention;

6 is a flowchart illustrating a case where a user of a service designates an e-mail as a service receiving apparatus according to an exemplary embodiment of the present invention.

<Description of the reference numerals for the main parts of the drawings>

1: Personal Computer (PC) 2: Subscriber Phone

3: mobile base station 4: public network

5, 11: operator terminal 6, 12: terminal matching unit

7: public network matching unit 8: service control unit

9: service control matching unit 10: service information database

13: service change matching unit 14: service change processing unit

15: account change processing unit 16: bank database

100: service matching system 200: service control system

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

1 is a system configuration diagram to which the present invention is applied, and the service matching system 100 serves to inform the service control system 200 of information about an account change, a new service request account, and a service cancellation account. The service control system 200 receives the account change history from the service matching system 100 and transmits a call or a text message to the customer. If necessary, the service control system 200 undergoes an authentication procedure of the designated customer. In addition, the service matching system 100 receives the service account addition and deletion information to change the information in the system. In addition, if you try to notify according to the priority of the service receiving device (e-mail, voice call, mobile phone, pager, etc.) specified by the customer and do not respond to all of them, you will be notified all at once when the account contents change.

More specifically, the service matching system 100, when the customer wants to receive the service, the account number to receive the service and a plurality of service receiving device numbers (e-mail address in the case of e-mail) to receive the customer's information, service When the receiving device is a voice telephone, the service listening password, a priority when designating a plurality of service receiving devices, an alias for an account number, a code indicating an own bank, and the like are received and transmitted to the service control system 200. In addition, when a customer who has received an account content change notification service wants to cancel it, the customer receives a bank code and an account number and transmits the same to the service control system 200 which notifies the account content change. When a change occurs in the account of the customer who applied for the service, information such as an account number, a change content, a change amount, and a change time is transmitted to the service control system 200. This function is suitable for handling by banks, and it can be implemented even by an operator acting as an account change notification service.

In addition, the service control system 200 is notified from the service registration system 100 to register, cancel, or add a service account to modify the database, and to notify the service receiving apparatus designated by the customer of the change of the contents of the service account. It can be built on a separate system within a bank, on a network operator, on a line lease, or on a notification service agency contracted with a bank.

The function of the service control system 200 will be described by dividing the function into registration of a new service account, cancellation of a service account, inquiry of a service account, and notification of change contents of a service account.

First, a new service account registration may include a bank code, a registration code, an account index corresponding to an account number to receive a new service, a service receiving device type, a terminal number, priority when registering a plurality of service receiving devices from the service matching system 100, Upon registration of the wired service receiving device, a password, an account alias designated by the subscriber, etc. are received and added to the service account database, and the result of the addition is notified to the service matching system 100 so that the service matching system 100 is re-requested or added to the service matching system 100. Resend the information if necessary. Here, the bank code is a code for knowing the bank name, and the bank-to-code is one-to-one. The registration code includes information indicating new or service account addition, some service account cancellation, service reception device addition, some service reception device cancellation, and service reception device priority change.

In addition, the service account cancellation serves to cancel an account in a registered database by receiving a cancellation code, a bank code, an account index, and an account alias when canceling an account that is being serviced from the service matching system 100.

In addition, the service account inquiry is when the customer forgot the number or nickname of the account receiving the service, the password when using a regular phone, the customer receives the confirmation of identity at the window in charge of the service matching system 100 after the information of the service This function is used to check the account number, service name alias, password for the account number, password and terminal number to read and output the database.

The account change notification function is a function of notifying the account change contents from the service matching system 100 when the contents of the service account are changed and notifying the contents to a plurality of service receiving apparatuses registered by the customer. When the user wants to be notified of the bank account, an attempt is made to notify the service receiving device having the highest priority among a plurality of service receiving devices designated by the customer for the account alias, the change, and the change amount for distinguishing the bank and the account number. The wireless pager records the voice message of the wireless pager specified by the customer, and the cellular phone (car phone, cellular, PCS, etc.) attempts to call the service receiving device number specified by the customer. In addition, the ordinary telephone attempts to call the service receiving device number specified by the customer, and when the customer receives the call, sends a voice message indicating that the account contents change notification service, and inputs a password to confirm the identity to the customer. Start voice guidance of the content. If the service receiving device specified by the customer is an e-mail, the change is e-mailed and transmitted. If the notification attempt for the highest priority service receiving device fails, the service is attempted by the customer designated service receiving device secondly. If there is no service receiving device designated as the secondary, the first service receiving device is notified again. If it fails, it will try again after a delay of more than a certain time. If the number of attempts exceeds the threshold, the notification will be stopped and the next time an account change occurs, it will be notified at once.

In the case of the embodiment of the present invention, the service matching system 100 changes the contents related to the performance of the service, such as when the customer wants to receive the service, when the service is canceled, and the password or service receiving device type, the service receiving device number. The service change processing unit 14 used in case of use, the account change processing unit 15 for depositing and depositing money in and out of the customer's account, and the bank database (16) in which the bank customer's account and account contents are recorded. ), The service change matching unit 13 which actually performs the notification of the contents of the account and the change of the contents of the service to the service control system 200, and inputs the information of the customer through the terminal, and inquires and changes the information, deposit and withdrawal and service of the customer account. It consists of an operator terminal 11 in charge of registration, cancellation, and change.

The service control system 200 includes a service control matching unit 9, a service control unit 8, a public network matching unit 7, a service information database 10, an operator terminal 5, and a terminal matching unit 6. It consists of.

The service control matching unit 9 receives the notification of the change of the account contents and the service contents change notification from the service change matching unit 13 and records the contents in the service information database 10. The service control unit 8 receives the service content change notification and reads the terminal type and number of the customer by referring to the service information database 10 to control the public network matching unit 7 according to the terminal type to notify the contents. . The public network matching unit 7 sets up a delivery path for notifying the contents in a structure that can be connected to different networks according to the terminal type of the customer. The terminal matching unit 6 is responsible for a matching function so that an operator can read an error occurring during service execution or a current service state through the operator terminal 5.

The public network 4 shown in FIG. 1 is connected to the public network matching unit 7 of the service control system 200 by a voice telephone network, a mobile telephone network, a PCS telephone network, a wireless calling network, and the Internet. A network that serves to deliver messages to subscriber telephone 2 and mobile base station 3, which is a network conventionally used.

FIG. 2 is a process flowchart of the service matching system 100 shown in FIG. 1.

The service matching system 100 is necessary for linking the deposit and withdrawal activity occurring at a bank teller and an automatic teller machine with a service registration, service change, and service cancellation according to a customer's request generated at the bank teller. The registration of the service means that when a customer requests a service at a bank window, a bank employee inputs a service through a terminal operation, which means that the service registration request 22 is processed by the terminal matching unit 12.

When the terminal matching unit 12 receives the service registration, the service change processing unit 14 notifies the service change processing unit 14, and the service change processing unit 14 performs the customer information registration 23 in the bank database 16. Includes the customer's account number, account alias, terminal type to be used for notification of account contents change, terminal number, and priority for multiple terminals. Then, the service change processing unit 14 modifies the customer's information in the bank database 16 and then requests a customer information registration request 24 to the service change matching unit 13, and the service change matching unit 13 receives the service change matching unit 13. A service control request 25 is made to the service control system 200 with information about a customer information registration request.

Accordingly, the result of the service control request 25 processed by the service control system 200 is notified as the service control result 26. When the service control result that is notified is received by the service change processing unit 14, the service registration is performed. The service registration processing result is transmitted to the terminal matching unit 12 as the completion notification 28. Upon receiving the registration processing result, the terminal matching unit 12 outputs the processing result to the terminal 11.

On the other hand, the service change is to change the number of the service receiving device, the service receiving device type, the priority of the service receiving device, the account number, the addition of the account number, the nickname, etc., to which the account content change is notified at the request of the customer. And service agency. When the service information change is operated by the terminal 11 at the request of the customer, the terminal matching unit 12 transmits the change details to the service change processing unit 14 and the service information change request 29. The service change processing unit 14 checks whether the account requesting the change processing is receiving the account change contents notification service, performs the customer information change 31 on the bank database 16, and the customer to the service change matching unit 13 The information change request 32 is performed.

Accordingly, the service change matching unit 13 receives the customer information change request 32, performs the service control request 33 to the service control system 200, and receives the result to service change processing unit 14. Notify by. The result of the service change request 29 is transmitted to the terminal matching unit 12 as the service change result notification 35, and the terminal matching unit 12 displays this on the operator terminal 11.

The cancellation of the service is to cancel the change notification service of the account that the customer has desired and is the same as the processing method for changing the service information described above.

In addition, the online payment at the window of the bank, the deposit and withdrawal 42 at the cash dispenser, the interest, and the like are recognized by the terminal matching unit 12, and the account change is processed by the account change processing unit 15 to balance the account. Changes. The account change processing unit 15 changes the contents of the account and checks whether the account is receiving the account content change notification service, and performs the notification service request 44 of the account number to the service change processing unit 14 if the account is being received. . The service change processor 14 receiving the notification service request 44 performs the notification service request 45 including the account index by referring to the bank database 16. The service change matching unit 13 receiving the notification service request 45 transmits the service control request 46 to the service control system 200 and receives the received result as the service control result 47, and the service control result. To the terminal matching unit 12 as the notification service result 48. Here, the account index is a bank database with a value defined only in the database of the service control function for protecting the account information when the service control system 200 and the service matching system 100 are built on different computers or different companies. Generated in (16).

3 is a process flowchart of the service control system 200 shown in FIG.

The service control system 200 performs a service registration request or service information change, service cancellation, and notification service start received from the service matching system 100.

The account service registration request requested by the customer is received by the service change matching unit 13 described in FIG. 2 to the service control matching unit 9, and the received message is received from the service control matching unit 9 by the service registration request unit 55. The service control unit 8 is notified. After the service registration request is received, the service contents are registered in the service information database 10, and the result is notified to the service change matching unit 13 of Fig. 2 as the service control result 57.

The service deletion request requested by the customer is received as the service control request 58 from the service control matching unit 9 and passed to the service control unit 8, and the service control unit 8 deletes the service information in the service information database 10. And transmit the result to the service matching system 100 as the service control result 62. The service change also changes the service information and delivers the result according to the above-described procedure.

In addition, in the service control system 200, an operator terminal matching unit 6 is provided so that an operator can determine whether a result of a service or a normal operation of a function is normal. The operator terminal 5 also registers a service, deletes a service, and performs a service. The information change can be performed and the result can be received. This procedure is processed in the same way as when the service control request message is received by the service control matching section 9.

When the account contents change, such as deposit or withdrawal, occurs in the account designated by the customer, the service matching system 100 notifies the start of the service by using the service control request 68 message, and the message is received by the service control matching unit 9 to receive the service. It is delivered to the control unit 8 in a notification service initiation 69 message. The service control unit 8 receives the notification service initiation 69 message, reads the customer's information from the service information database 10, and determines a method of notifying the customer of the account change according to the terminal type, and then the public network matching unit. (7) The account change contents notification call setup 72 is requested. The public network matching unit 7 receives this message to set up the call and transmits the setup result to the service control unit 8, and the service control unit 8 transmits the received service control result 76 to the service matching system 100. Notify by.

The service receiving apparatus designated by the customer applied to the present invention may be a plurality of types of service receiving apparatuses and may have a plurality of numbers. Therefore, the priority is given to each terminal as desired by the customer, and attempts to guide the account change through the service receiving apparatus having the highest priority, and in case of failure, the guide is attempted in turn according to the priority. Here, the plurality of terminal types includes the same type and different numbers of terminals and different types of terminals.

4 is a flowchart illustrating a case where a terminal designated by a customer in a service according to an embodiment of the present invention is a general telephone, a mobile telephone, or a lifetime number.

There is no guarantee that the customer will always receive the call if the service receiving device the customer wants to be notified of when the account changes is a regular phone. Therefore, in order to prevent the disclosure of personal financial information, a password for the account change notification service is required when the general telephone is a service receiving device designated by the customer. This password must be applied when applying for service if the customer specifies a regular telephone. If the account information of the customer who registered the account change notification service is changed, the service control system 200 attempts to receive the terminal designated by the customer. If the highest priority service receiver among the service receivers designated by the customer is a regular telephone, the public network matching unit 7 of the service control system 200 automatically dials the telephone number of the client and starts voice call ( Step 78). If the customer's service receiving device responds ('YES' in step 79), this is the 'Account Change Notification Service'. Please press the service password '(step 84) and wait for the password input (step 85). If the customer does not respond (NO in step 79), the customer checks whether there is a next service receiving device designated by the customer (step 80), and then attempts to reach the next service receiving device. If there is no service receiving device specified by the customer ('NO' in step 80), try to notify the first service receiving device again, and if it fails, retry after a delay of at least a certain time, and if the number of attempts exceeds the threshold ( In step 81, 'YES' informs the service control section 8 of the guide result (step 91) and ends. If there is a next service receiving device designated by the customer in step 80, if the terminal type is the same (YES in step 82), the process returns to step 81 and retries the call to the next service receiving device. If the type of the terminal is different, the service method is requested (step 83), and the guide result is notified (step 91).

In step 85, if the customer enters the service password correctly, the user is notified of the change of the account by voice guidance (step 87). Change history includes account nickname, change amount, and change time. When the notification of the change in the account is completed, the user is notified of the repeating prompt message (step 88 for repeat listening, 2 for exit) and the call ends when the customer hangs up or presses 2 (step 90). And informs the service control result of the guidance (step 91). In step 85, if the service password entered by the customer is not correct, the voice guidance is repeated again for a predetermined number of attempts and if the number of attempts is exceeded (YES in step 86), the process proceeds to step 90. The call is terminated. Also, when the account change notification guidance (step 87) is requested to listen repeatedly for a predetermined number or more times (YES in step 89), the call ends. If there is no service receiving device having the next priority among the service receiving devices designated by the customer, the mobile terminal attempts to receive a predetermined number or more of calls to the current terminal.

5 is a flowchart illustrating a case where the terminal designated by the customer during the service according to the embodiment of the present invention is a voice mailbox of a wireless pager and a cellular phone.

When a pager is used as a device for receiving an account change guide service, the voice pager of the pager is used. Since the pager voice mailbox and the cellular phone voice mailbox go through a procedure of inputting a voice mailbox password for authenticating that the operator is the owner of the pager service receiving device, the authentication procedure does not go through other authentication procedures in FIG. 5. In the case of the embodiment of the present invention, if the service receiving device of the customer who applied for the account content change notification service is a wireless pager or a mobile phone, but the voice call fails, the voice mailbox is used.

After dialing the number of the pager (step 94), the voice mailbox selection code is sent to connect to the pager's voice mailbox. At this time, if an abnormal state occurs and the voice mailbox fails to respond ('NO' in step 95), an incoming call to the next priority terminal number designated by the customer is attempted. If there is no service receiving device specified by the customer ('NO' in step 96), try to notify the first service receiving device again, and if it fails, retry after a delay of at least a certain amount of time and exceed the threshold ( In step 97, 'YES' informs the service control section 8 of the guide result (step 91) and ends. If there is a next service receiving device designated by the customer in step 96, if the terminal type is the same (YES in step 98), the process returns to step 97 and retries the call to the next service receiving device. If the type of terminal is different, the service method is requested to be changed (step 99), and the procedure proceeds to step 103 to notify the guide result.

In step 95, if the voice mailbox responds normally, the voice announcement broadcast is 'account information change guidance service' (step 100), and the change is guided by voice (step 101). When the change contents guidance is finished, the call is terminated (step 102), and the result of the guidance is notified to the service control unit 8 (step 103).

6 is a flowchart illustrating a case where a terminal designated by a customer is an e-mail during a service according to an exemplary embodiment of the present invention.

The e-mail requires the e-mail address of the person receiving the e-mail. When registering the terminal type as e-mail, the e-mail address must be present and the customer must specify the e-mail address when applying for the service. In addition, the public network matching unit 7 should have a function of transmitting and receiving e-mail.

If the terminal having the highest priority among the types of terminals registered by the customer was an e-mail, the public network matching unit 7 attempts to transmit the e-mail. In order to send the e-mail, the address of the recipient, the subject of the mail, and the sender address are written in the mail head, and the contents of the mail to be sent are made (step 106). The contents of the e-mail specify the nickname of the account and the amount of money changed.

Then, the mail is sent to confirm the mail sending result (step 107). If the mail transmission fails, the terminal having the next priority is searched (step 108), and an incoming call is attempted to the next terminal. If the terminal with the next priority does not exist ('NO' in step 108), it repeats until the number of attempts sent by e-mail is exceeded, and if the number of attempts is exceeded ('YES' in step 109), the guidance result is serviced. The control unit 8 informs (step 103) and ends. If there is a next terminal (service receiving device) designated by the customer in step 108, if the terminal types are the same (YES in step 110), the process returns to step 109 and retries the call to the next designated service receiving device. If the terminal type is different, the service method is requested to be changed (step 111), and the flow proceeds to step 112 to notify the guide result.

If in step 107, the e-mail sending is successful, the result is notified to the service control section 8 (step 112) and ends.

According to the present invention as described above, it is possible to reduce the inconvenience and hassle to always check the change history of the bank account and to reduce the disadvantages caused by the lack of balance, the bank can be competitive by improving customer service In terms of network operators, communication service can be improved by increasing network utilization and increasing service. On the other hand, the present invention is not limited only to the above-described embodiments, but may be modified and modified without departing from the scope of the present invention.

Claims (8)

A first step of registering and processing a notification service request, notification service cancellation, and notification service contents change by a customer; And a second process of automatically notifying the change contents of the account to a plurality of service receiving apparatuses designated by the customer as the account contents of the customer who registered for the notification service are changed; And a plurality of service receivers selected according to a priority designated by a customer when the change is automatically notified. The method of claim 1, When the notification service application is input, the bank account contents change notification method comprising registering the customer information including the account number, the account alias, the terminal type to be used for notification of the change of the account contents, the terminal number, and the priority of the plurality of terminals. . The method of claim 1, When the notification service contents change request is made, the service receiver apparatus to be notified of the account contents change, the type of the service receiving apparatus, the priority of the service receiving apparatus, the account number, the addition of the account number, and the alias are inputted at the request of the customer. The bank account contents change notification method, characterized in that. The method according to claim 1, wherein The bank account contents change notification method, characterized in that the password for the account change notification service should be registered in advance if the service receiving apparatus designated by the customer is a normal telephone. The method of claim 4, wherein If the service receiving device specified by the customer is a general telephone, the service receiving device number specified by the customer attempts to receive a call, and when the customer receives a voice message notifying that the change of account information is sent, the customer sends a password to confirm his or her identity. The bank account contents change notification method, characterized in that the voice guidance is provided to the account changes if the password is correct. The method of claim 4, wherein The method of claim 1, wherein if the service receiving apparatus designated by the customer is a wireless pager, the change of the account is recorded as a voice message of the wireless pager. The method of claim 4, wherein If the service receiving device specified by the customer is an e-mail, the bank account contents change notification method characterized in that for transmitting the e-mail changes. The method of claim 1, If the notification of the highest priority service receiver fails to notify the change automatically, the next priority service receiver will be notified. If there is no service receiver of the next priority, the service receiver will be returned to the highest priority service receiver. Attempt to notify, retry after a delay of more than a certain period of time, if the number of attempts exceeds the threshold, stops the attempt to notify and notifies all at once the next account change occurs. .