KR100367294B1 - Electronic-Banking integration interface system - Google Patents

Abstract

The present invention relates to an integrated electronic financial relay system, and more specifically, to the integrated database of standardization and professional management of various heterogeneous messages generated in various forms when connecting a financial institution host and an external computer network without being affected by product types. In other words, it is designed to integrate communication failure status and information management.

That is, the present invention is connected to the external computer server (C / S) and the terminal system, such as bank account system, PC banking, Internet banking, linkage, cyber securities, CDMS, phone banking, financial common network, respectively This is an electronic financial integration system composed of the system operation management department. The system operation management unit is a professional management connected to the bank account system and external computer network server to convert the professional form input from the external network server into a standard text message and send and receive with the financial institution host. A communication network management system including the system and the full text from the TM are converted into data data defined in the corresponding item of the TWA (Transaction Work Area) and transferred, and the contents of the TWA common items are filled and the AICP (Application Input Control) suitable for the transaction. It is necessary to receive the output data generated as a result of transaction processing from the professional communication department and application program that is passed to the processor. It is a module that deletes and compresses the missing parts and classifies them by destination (transaction terminal or other system) and transmits them to the corresponding process. It consists of a professional relay system including a communication output professional management department and an electronic banking business system, and a communication network management system and a professional relay system are used to monitor the operation status of processes, transfer professional messages between processes, and recover them in the event of a failure. It provides an interface between the terminal operator and application programs such as an online operating system including a fault management system, screen generation and screen selection, basic input data inspection, professional editing, terminal and peripheral device control, etc. To support application development The I / O management system is connected to the terminal system, which consists of the horse management unit and the screen management unit that manages the registration and screen version of the terminal screen file. The external computer network server is a communication support program for data transmission and reception with the external computer network. And application programs irrelevant to the network configuration, compress and encrypt the full text, monitor the status of modification of data when sending and receiving the text, monitor the interconnection status with the communication counterpart, and send and receive in various forms. When connecting the transmission or reception of a computer network or electronic financial transaction customer with an external computer network, the heterogeneous transaction professional simplifies the business program regardless of the type of electronic financial products and integrates and manages the electronic banking professional and implements each professional processing process. Monitor time-lapse information on financial institution headquarters, branch offices, and customer PCs. In providing it immediately,

It manages specialized message queues between the financial institution host or partner institutions and terminals.If the input transaction message to be sent to the host or external institution is in the input-only message queue, the host or external institution is in order. When only the transmission is received and the result processed by the host or an external agency is received, a professional relay system (1 in Fig. 8) is stacked on the receive-only message queue in order and processes the result by the system managing the message queue. ,

The specialized relay system searches for the difference that occurs between the transmission message and the reception message, and accumulates the unprocessed texts found in the specialized DB, reads them in order, and processes them, and connects the incomplete professional management system (2 in FIG. 8) to the terminal. Is configured to send

The incomplete professional management system (2 in FIG. 8) is characterized in that it includes a non-responsive professional management system that stacks the non-responsive full text classified as unprocessed in the specialized DB and processes them sequentially in response to no response for a predetermined time.

Description

Electronic-Banking integration interface system

The present invention relates to an integrated electronic financial relay system, and more specifically, to the integrated database of standardization and professional management of various heterogeneous messages generated in various forms when connecting a financial institution host and an external computer network without being affected by product types. In other words, it is designed to integrate communication failure status and information management.

The above-mentioned electronic banking refers to providing financial services through electronic media. In detail, the electronic banking method is a combination of information and communication technology and information processing technology. Refers to financial services that perform financial transactions and settlements between customers and financial institutions electronically.

Conventional financial forms are the most commonly used branch-oriented financial forms, which are the most common and most common forms of financial business, in which various financial transactions are handled by face-to-face interactions between employees and customers, and the expansion of branches (including branches) and counters, The improvement of interpersonal services has been a key strategic factor in attracting customers.

As shown in FIG. 1, all business processes of a financial institution are concentrated on the main computer (HOST) of the headquarters. The main task was to centralize the account processing tasks of the company and send the processing results to the branches.

In order to centralize the exchange of funds with other financial institutions, such as the receipt of checks of other financial institutions and payment of draft checks of customers, it is necessary to exchange data with financial settlement agencies. The automated settlement of funds between financial institutions through the communication connection between the HOST and the KFTC, and the time-series database of various customer information acquired at the point of contact of customers of financial institutions and surrounding environment information about changes in the financial environment. For this purpose, the information processing system (2) has been established to process customer information, management information, cost analysis and financial product information by separating account processing and information processing from the existing account processing system.

In the traditional financial environment as described above, the recent intensification of competition, the traditional sources of profit of financial institutions. In order to solve the decrease in profits due to the reduction of large margins, consignment sales of goods of other financial institutions by business alliance with similar financial institutions, spread of the spread of automation equipment (CD, ATM), the spread of personal computers and the explosive growth of the Internet users population Customers' demand for electronic financial products is increasing. In order to establish such an electronic financial system, each financial institution needs to establish a new area system for the development of electronic financial products in addition to the operation of the account processing system and the information processing system in the existing HOST, as shown in FIG. By building a variety of electronic financial products in the HOST, this increases the amount of data processed by the HOST, causing a heavy burden on the host (1), and by establishing the SUB-SYSTEM as a subsystem of the HOST for each electronic financial product, By carrying out the data processing function, the burden of the HOST can be reduced (2) due to the distribution of business processes, and the interface between the external organization (3) and the customer (4) can be efficiently performed.

However, the construction of an electronic banking system by SUB-SYSTEM differs in the form of specialty for each electronic banking product in the case of specialized transmission / reception between SUB-SYSTEM and HOST due to the difference in the work of each individual electronic financial product (2). In the face of difficulties in maintenance, maintenance, and system improvement and expansion, and above all, the development of new electronic financial products has caused a problem of high cost due to double investment due to the introduction of hardware and software development. .

An object of the present invention is to provide a variety of specialized forms received from an external institution or an electronic financial transaction customer in the existing electronic financial system, namely PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, financial common network, etc. Integrating the various specialized texts received in the form of a common part of each business in the electronic financial relay system, and the specialized data for each product sets a fixed specialized area so that the standardized electronic banking is unified without special design for each electronic financial product. By producing the full text, integrated management of various transaction status and unprocessed status with external computer networks, which are various areas of occurrence, is handled in the professional management DB. The investment cost of the system can be further reduced, and the convenience of maintenance and management It can provide, and to provide the flexibility for improvement and expansion of the system.

1 is a structural diagram of a computer system centered on a conventional financial institution account processing task

2 is a structural diagram of an electronic financial product computer system of an initial financial institution

3 is an exemplary view of a conventional electronic financial product

Figure 4 is an example of electronic banking professional standardization and disability status information management processing according to the present invention

5 is a basic configuration of the integrated electronic banking relay system according to the present invention

Figure 6a, 6b is an exemplary view of the standardized electronic financial products according to the present invention

7 is an internal structure diagram of the electronic financial integrated relay system according to the present invention

8 is a CDMS process according to the present invention

■ Explanation of symbols for main parts of drawing ■

A: DBMS (Database Management System)

B: Common Application control-Package for advanced banking system

C: IMS (Information Management System)

CICS: (Customer Information Control System)

D: VTAM (Virtual Telecommunications Access Method)

E: Relational Database Management System (RDBMS)

Management system)

F: CDMS (Cash Dispenser Management System)

4 is an exemplary view illustrating an electronic finance professional standardization and disability information management process according to the present invention, FIG. 5 is a basic configuration diagram of an integrated electronic banking relay system according to the present invention, and FIGS. 6A and 6B are electronic finance products according to the present invention. Standardized full-scale illustration, Figure 7 is an internal structure of the electronic banking integrated relay system according to the present invention, Figure 8 shows the CDMS business process according to the present invention to look at the configuration of the present invention together with the drawings in detail do.

In order to realize the present invention, first, a specialized form of an external computer network is a kind of electronic financial products, namely, PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, financial joint networks, etc. A database of unified and standardized full texts should be prepared.

That is, the standardized telegram converts the telegram of the external computer network received in various specialized formats as shown in FIG. 5 into ① and ② of FIGS. 6a and 6b in the electronic financial integrated relay system to the standard telegram and the financial institution HOST. In case of sending the message to the external computer network, it is possible to convert and transmit the message to the requested message separately from the external computer network, and operate the user interface channel effectively by simplifying the type of transmission and reception. By providing information in real time to the headquarters, branch offices, branch offices, customer PCs, and affiliated institutions of each financial institution in real time, it provides the function to immediately respond to the computerized disability situation.

As shown in FIGS. 6A and 6B, the basic form of the electronic banking standard telegram sets the most basic specialized information such as transaction code and terminal information into the header section, and common contents of electronic financial products, that is, each transaction. Specialized domains were categorized into financial settlement areas and e-banking business sectors, and the standardization of ① in FIG. 6a was performed. ④ of FIG. 6B and ⑤ of FIG. 6B were standardized.

The present invention is to convert the standardized form of the external computer network received in various specialized forms as described in the standardized database in the electronic financial integrated relay system to send and receive with the financial institution host.

In other words, the electronic financial integrated relay system of the present invention, an external computer network server (communication server (C / S)), such as bank account system, PC banking, Internet banking, linkage, cyber securities, CDMS, phone banking, financial common network, etc. And a system operation management unit configured to be connected to the terminal system, respectively. The system operation management unit includes a communication network management system including a bank accounting system and a professional management system connected to an external computer network server, and a professional relay including an electronic financial business system. The communication network management system and the professional relay system include an online operating system including a failure management system for monitoring operation status of a process, a professional transfer between processes, a specialized transfer between processes, and a recovery in case of a failure, and a screen generation and a screen. Terminal function including selection function, basic input data inspection function, full text editing, terminal and peripheral device control function An I / O management system connected to a terminal system consisting of a terminal management unit that provides an interface between a user and an application program and supports application program development regardless of the terminal type, and a screen management unit that manages the registration and screen version of the terminal screen file. The external computer network server is a communication support program for data transmission and reception with an external computer network. It creates an application program irrelevant to the communication protocol and network configuration, compresses and encrypts the text, and transforms the data during transmission and reception. External computer networks such as electronic banking products (PC banking, Internet banking, interworking, cyber securities, CDMS, phone banking, financial common network), etc. Heterogeneous transaction specialization (standardization) when accessing financial transaction customers' transmission and reception messages with external computer networks It is possible to integrate and manage electronic banking specialists by simplifying business programs regardless of the types of electronic financial products in the integrated electronic banking relay system. By monitoring in time (disability status information management), it immediately provides disability status information to financial institution headquarters, branch offices, customer PCs, etc.The professional relay system transmits the full text received from the terminal, TM, to the corresponding item in the TWA (Transaction Work Area). It converts the data into data defined in the above, transfers it, and fills the contents of the TWA common items and passes them to the AICP (Application Input Control Processor) for the transaction. Delete and compress the missing part by destination (trade terminal or other system). It is a module that functions to transmit to the corresponding process, and also includes a communication output specialized management unit that calls a full message by the system management unit when the system is running so that one process can reside in the integrated relay system. When transmitting and receiving a message between terminals, as shown in FIG. 8, the message message queue is managed, and if an input transaction message to be transmitted to a host or an external agency is in an input-only message queue, the message is in order. Specialized relay system that transmits only to the host or external agency, and when the result processed by the host or external agency is received, is stacked in order in the receive-only message queue and processed by the system managing the message queue (FIG. 8). ①) is connected and the professional relay system includes a transmission message and a reception message The unprocessed full text found by searching for the difference generated in this is piled up in a specialized DB, read and processed in order, and an incomplete professional management system (② of FIG. 8) is connected to the terminal and configured to transmit a result to the terminal. The management system (2 in FIG. 8) includes a non-responsive professional management system that stacks non-responsive full text classified as unprocessed in a specialized DB and processes them sequentially in response to no response for a predetermined time.

The present invention having the configuration as described above in the communication connection with the external computer network and the host of the financial institution, in transmitting and receiving the full text,

Specializing in the transmission and reception of external computer networks or electronic financial transactions customers such as electronic banking products (PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, financial common network) in various forms. By connecting heterogeneous transaction texts (figure 5: transaction texts for each business before standardization) in the electronic financial integration relay system, the business program is simplified regardless of the type of electronic financial products, thereby enabling integrated management of electronic finance textbooks (Fig. 3). : Integrated management of electronic banking specialists) By monitoring each professional processing process in real time (Figure 3: Disability Status Information Management), it is possible to immediately provide disability status information to financial institution headquarters, branches, and customer PCs.

As an embodiment of the present invention, the host of the financial institution and the external computer network are specialized in the following manner.

If you order the desired message through the host in the financial institution, the message is delivered to the system operation management unit according to the command of the host, and the message through the system operation management unit is transmitted to the communication management unit to compress, encrypt, and encrypt the message. The full text is delivered to the terminal management unit by a professional relay system or work system to provide an interface between the terminal operator and the application program, and to support application development irrelevant to the terminal type. The full text received from the terminal, namely, TM, transferred to the communication infrastructure management department, is converted into the data data defined in the corresponding item of the TWA (Transaction Work Area), and the contents of the TWA common items are filled to fit the transaction. ), And the above data is sent out Receives the output data generated as a result of transaction processing from the application of the terminal management unit, deletes and compresses unnecessary parts, classifies them by destination (transaction terminal or other system) and sends them to the corresponding process to the host of another financial institution. At this time, the communication network management system and the professional relay system include the operation management of the process, the professional transfer between the processes, the professional transfer between the processes, and the failure management system for recovery in the event of a failure. Real-time monitoring of the process to provide failure status information to financial institution headquarters, branch offices, customer PCs, etc. in the event of a failure, and a professional relay system (1 in Fig. 8) and incomplete professional management between the financial institution host or partner institution and the terminal. System (2 in Fig. 8) is connected Therefore, if the input transaction message to be sent to the host or external institution is in the input-only message queue, it is only sent to the host or external institution in order, and when the result processed by the host or external institution is received, it is received in the receive-only message queue in order. The system that manages the message queues stacked up processes the result. The unprocessed message that is found by searching for the difference that occurs between the send message and the receive message and the unresponsive message that is classified as unprocessed because there is no response for a certain time is stored in the message DB. Stacked and processed in order.

As described in detail above, according to the present invention, various specialized messages received in separate forms for each product, such as electronic banking, financial banking, Internet banking, interworking, cyber securities submission, CDMS, phone banking, and financial common network of financial institutions. Integrating the common parts of each task in the electronic financial integrated relay system, and specialized data for each product can be set up in a fixed specialized area to produce the full text of funds in the electronic financial integrated relay system, thereby dramatically reducing the number of transaction specialists. By simplifying the user interface channel, not only can it respond actively to the explosive increase in the amount of electronic banking business, but also the effect of shortening the development period and reducing the development cost when applying variously developed electronic financial products, Processing status of various transactions with external computer networks, various specialized occurrence areas, not processed By providing information to professional processing and disability status in the integrated management and monitoring system integration and professional management DB in real time such that it can respond immediately in the event of a failure.

In addition, by implementing the professional relay system and the incomplete professional management system, each of the host or external institution and the electronic financial integrated relay system can improve the business processing ability, so that many transactions can be processed with the same system to submit CDMS (Automated Device Management System) and cyber securities. This invention is expected to have a significant effect on the performance of the electronic financial business system that processes a large amount of data in real time.

Claims (1)

It consists of a system operation management unit which is connected to an external computer server (C / S) and a terminal system such as bank account system, PC banking, internet banking, linkage, cyber securities, CDMS, phone banking, and financial common network. The system operation management unit includes a bank account system and a specialized management system connected to an external computer network server to convert a specialized form input from an external computer network server into a standard text message and send and receive with a financial institution host. Communication that receives full text from the system and TM and converts it into data data defined in the relevant item of TWA (Transaction Work Area), fills the contents of common TWA items and passes them to the application input control processor (AICP) for the transaction. Input expert management department and the application program receive the output result of transaction processing and delete unnecessary parts. It is a module that functions to remove and compress and classify by destination (trade terminal or other system) and transmit it to the corresponding process. Communication is called by the system operation management department to operate one process in the integrated relay system when the system is running. It consists of a professional relay system including an out-put professional management department and an electronic banking business system, and a communication network management system and a professional relay system monitor the operation status of processes, transfer professional messages between processes, and trouble management systems for recovery in the event of a failure. It provides an interface between the terminal operator and the application program, including on-line operating system, screen generation and screen selection function, basic input data inspection function, full text editing, terminal and peripheral device control functions, etc. Terminal management unit and stage supporting application development An input / output management system connected to a terminal system consisting of a screen management unit that manages the registration and screen version of a terminal screen file is connected. The external computer network server is a communication support program for data transmission and reception with an external computer network. Write application program irrespective of the form, compress and encrypt the full text, monitor the status of modification of the data when sending and receiving the text, monitor the interconnection status with the communication counterpart, and send and receive external computer networks or electronics in various forms. When accessing a financial transaction customer's transmission / reception message with an external computer network, the heterogeneous transaction message is simplified in the business program regardless of the type of electronic financial product, integrated management of the electronic banking specialty, and the monitoring of each professional processing process in real time. Provides information on the status of disability to financial institution headquarters, branches, and customer PCs immediately. As in, It manages specialized message queues between the financial institution host or partner institutions and terminals.If the input transaction message to be sent to the host or external institution is in the input-only message queue, the host or external institution is in order. When only the transmission is received and the result processed by the host or an external agency is received, a professional relay system (1 in Fig. 8) is stacked on the receive-only message queue in order and processes the result by the system managing the message queue. , The specialized relay system searches for the difference that occurs between the transmission message and the reception message, and accumulates the unprocessed texts found in the specialized DB, reads them in order, and processes them, and connects the incomplete professional management system (2 in FIG. 8) to the terminal. Is configured to send The uncompleted professional management system (2 of FIG. 8) includes an unresponsive professional management system that accumulates non-responsive messages classified as unprocessed in a specialized DB and sequentially processes the non-responsive professional management systems that are not responded for a predetermined time, and sequentially processes them. .