KR100462699B1 - Banking System Using a Cyber Bank - Google Patents

Abstract

The present invention relates to a method of cyber banking on an Internet e-commerce, and more particularly, a process of inputting and processing accounting information and related management information according to one generated process at a time. It is possible to expand the work process, apply it to each work step, and process the process by integrating the account system and the information system at the same time and reducing the number of transactions. It is a cyber banking method and payment settlement system for e-commerce characterized by having an OPOI system with excellent extension and connectivity by design and application.

A more systematic, easy-to-use, secure, and reliable payment and payment system for proactively and effectively responding to the various forms of needs and expectations that will arise in the future of e-commerce, which will be the basis of the main economic activities of the cyber era. Since the establishment of the cyber bank is urgently needed, the present invention has proposed and implemented (1) an integrated business process (OPOI) necessary for cyber bank software development, and (2) a business process of a payment settlement system applied to Internet e-commerce. Was designed and implemented.

As a result, it was possible to smoothly settle payments between businesses and individuals in electronic commerce on the Internet, and to build a financial infrastructure that can be easily linked to existing systems when developing new business.

Description

Banking System Using a Cyber Bank}

The present invention relates to a payment settlement system in WEB-based electronic commerce on the Internet, and more particularly, to an internal integrated business processor and a payment settlement business process design for building a cyber bank system for electronic commerce.

The payment settlement system in electronic commerce is a system for making payment settlement more securely and faster by using PC communication, ATM, Internet, etc. in the current cash payment settlement method. In addition, it is rapidly spreading due to the development of information and communication technology and the increase of Internet use because it can reduce cash possessions and overcome space and time constraints.

The existing payment system is divided into 1) credit card payment system 2) electronic cash payment payment system 3) electronic check payment payment system 4) cyber bank. Detailed description of the existing payment system is as follows.

1) The credit card payment system is easy to implement by using an existing credit card payment network. However, the inconvenience of inputting the personal information of the credit card holder or information about the credit card at each transaction, the problem that the seller must not know the customer's credit card number, and the theft by hacking the credit card number are prevented. There are a number of drawbacks that must be paid in the actual use and high fees.

2) Electronic cash payment system is divided into network type and IC card payment system. The development of network type electronic cash payment system has been slow due to the difficulty of exchanging money and value and the sluggish service that requires small payment. In addition, there is the burden of developing all systems for payment in electronic cash.

IC card-type electronic cash can be used as an integrated and multi-purpose card with other payment methods such as excellent stability, credit and debit cards. However, due to the complex business model, there is a problem of profit sharing among participating companies, so it is not used except in the form of transportation card and prepaid card.

3) The electronic check payment system implements the check system used in the real world on the Internet, but it is limited to users whose credit accounts are in the bank. In addition, there is a problem in that the identity of the issuer and the recipient must be authenticated.

4) Pure cyber banks include SFNB, NetBank, TeleBank, CYBank, and egg. The cyber banking level of these cyber banks provides simple transfer and loan service and credit card service through the Internet.

Therefore, there is a need for an infrastructure for a pure cyber bank that solves the problems of the existing electronic payment settlement systems.

An object of the present invention is to construct a cyber bank payment settlement system by using an integrated cyber bank internal payment processor and a cyber bank payment settlement business processor to proactively and efficiently cope with various types of demands and expectations in the Internet e-commerce. The factors, namely, a seller running a paid service business on the Internet, smoothly support payment at low fees without requiring any equipment or equipment.

Another object of the present invention is that by using this system, a purchaser using a paid service can safely pay for using the service with a simple operation.

Another object of the present invention is that by using this system, existing general banks that support cash flows can reduce the cost of managing accounts and securely operate the deposited funds.

1 is a Knowledge Map of the process form of the present invention.

2 is a flow chart of a cyber bank of the present invention.

3 is a system configuration diagram of the present invention.

4 is a three-layer client / server architecture diagram of the present invention.

5 is a detailed view of the cyber banking and payment system of the present invention.

6 is an internal block diagram of a web server, an application server, and an RDBMS of the present invention.

BankERP (Electronic Resource Planning, enterprise resource management) to be applied to the cyber bank of the present invention.Integration of various management resources such as manpower, funds, etc. covering all areas of the enterprise such as production, materials, sales, personnel, accounting, etc. Corporate reengineering management method that maximizes productivity by rebuilding system process is a process that inputs and processes accounting information and related management information at one time as one representative process called OPOI (One Process One Input) Has

In other words, when a customer deposits cash, the bank deposits the customer's assets and processes the "Dr) cash / Cr) deposit" processor and customer information with one input.

Here, Dr is an abbreviation of Debit Resource, and refers to a debit resource or payment resource in accounting, and Cr is an abbreviation of Credit Resource, and refers to an accounting credit or deposit resource.

In addition, when transferring cash from the A customer's account to the B customer's account, the processing of the "Dr) A customer deposit / Cr) B customer deposit" processor and customer information are processed at once. By introducing this concept, we applied a customer-oriented and revenue-oriented process and applied a process from a management innovative perspective. Based on the accounting process, each work process can be extended and can be applied to each work step. In addition, the process of integrating the accounting system and the information system simultaneously to reduce the number of transactions significantly. Therefore, by designing and applying a process that can be naturally linked to an existing process when developing a new business, an open system with excellent extension and connectivity is realized.

There are various types of banking processes, including deposit and deposit processes, loan processes, import and export processes, funding processes, and branch office processes. There are two main categories: the deposit and withdrawal general deposit process and the due process. Expired processes include term deposits, term deposits, loans, income, revenues and funds. The BankERP system to be applied to the cyber bank is an OPOI that inputs information between types of processors mainly as an alternative process, and inputs related information, that is, a process that inputs one process at a time.

1 is a knowledge map of a process according to the present invention, which illustrates the types of business processes performed by the present invention. This will be described in detail as follows.

Most bank processes are classified into the form of the process as the documents, that is, the processes are carried out at the same time as the customer contact at the counter.

Type A: Deposit transaction with account, separate deposit, main branch, profit and loss, expenses, etc.

Type B: term deposits, loans, funds, etc.

C type: import, export, foreign remittance, etc.

D type: regular savings, mutual payments, etc.

E type: trust business

X type: Settlement adjustment process, etc. to a process that does not correspond to the above type.

As a specific example of the processes of the above type will be described how it is applied to the BankERP system to be applied to the cyber bank according to the present invention.

Example 1) The following process occurs when a customer withdraws 100,000 won in cashier's checks from a normal deposit structure.

Dr) Normal Deposit (Type A) 100,000 / Cr) Separate Deposit (Type A) 100,000

Such a processor simultaneously processes account and information systems such as withdrawal from the customer's account, cashier's check number, etc. in a single input process on the Type A separate deposit check issuing screen.

Example 2) The following process occurs when cash transfers from Customer A's savings account to KRW 100,000 to Customer B's regular savings account.

Dr) A Customer Savings Deposit (Type A) 100,000 / Cr) B Customer Normal Deposit (Type A) 100,000

This process is a one-time input process on the Type A screen, withdraws from the customer's savings account, deposits into the customer's regular savings account, and processes the customer's information at once.

Example 3) When customer A makes a regular deposit withdraws 100,000 won from his / her deposit account, the following process occurs.

Dr) A Customer Regular Deposit (Type A) 100,000 / Cr) A Customer Regular Deposit (Type B) 100,000

This process is a one-time input process on the Type B regular deposit opening screen, withdraws from the customer's regular deposit account, deposits into the customer's periodic deposit account, and processes the customer information at once.

Example 4) When the customer A deposits his regular deposit of 100,000 won and deposits into the customer's regular savings account, the following process occurs.

Dr) A Customer Regular Deposit (Type B) 100,000 / Cr) A Customer Regular Deposit (Type A) 100,000

This process is a one-time input process in the Type B term deposit cancellation screen, withdraws from the customer's regular deposit account, deposits into the customer's ordinary deposit account, and processes the customer information at once.

Example 5) When a customer makes a loan of 100,000 won from a bank and deposits it into his or her normal savings account, the following process occurs.

Dr) A customer won loan (type B) 100,000 / Cr) A customer ordinary deposit (type A) 100,000

This process is a one-time input process in the Type B Loan Execution Screen, which executes the A's won loans, deposits into A's ordinary deposit account, and processes the customer information at once.

Example 6) When a customer repays a loan of $ 100,000 and interest on his or her normal savings account, the following process occurs:

Dr) A Customer Regular Deposit (Type A) 110,000 / Cr) Won Loan (Type B) 100,000

Interest income on profits and losses (type A) 10.000

This process is a one-time input process on the Type B loan repayment screen, which automatically repays the customer's won loans and interests in A and processes the withdrawal and customer information from the customer's ordinary deposit account at once.

As a result, the type A processor executes all process types and replacement processes of type A, type B, type C, type D, type E, and type X. The mutual replacement process is not established between the B type, C type, D type, and E type processes, and the A type and the replacement process are executed. Type X processes are executed by type A, type X processes, and alternate processes.

Figure 2 shows a system for paying the price of electronic commerce using the cyber bank of the present invention.

As shown in FIG. 2, the payment system using the cyber bank according to the present invention includes a cyber bank server 21, a seller terminal 22, a buyer terminal 23, a general bank server 24, and the like.

The cyber bank server 21 opens a cyber account of a seller and a buyer, stores information of each individual or a corporation, and processes cyber banking tasks such as payment for electronic commerce generated between the buyer and the seller. The cyber bank server 21 may have its own database or may have a separate database. The cyber bank server 21 installs a firewall and uses encryption techniques to provide stability and reliability of transactions. The cyber bank server 21 opens a real account (hereinafter referred to as a cyber bank real account) in its name in the general bank 24. Occurs in cyber bank accounts, such as when a buyer transfers funds from a third party bank 25 to a cyber bank account in a general bank 24, or when a buyer makes an unpaid deposit from a general bank 24 to a cyber bank account. All input and output details are transmitted in real time to the cyber bank server 21 through the Internet, etc. to synchronize in real time the details of the cyber bank account associated with the buyer and the details of the cyber account of the buyer of the cyber bank server 21 in real time. In addition, a payment signal is received from the seller terminal 22 or the purchaser terminal 23 immediately after a predetermined time due to the delivery time of the goods and the settlement of the claims, or after a certain time according to the delivery time of the goods and the settlement of the claims, etc. Then, the cyber bank server 21 transfers the payment details transferred from the buyer cyber account to the seller cyber account to the cyber bank room account, and opens the general bank server 24 at the third general bank in the cyber bank room account. Transfer the amount minus the commitment fee from the payout to your account. At this time, the cyber bank server 21 simultaneously transmits the real account number (opened in the general bank or the third general bank) of the seller stored in the database.

The seller terminal 22 may open and request a cyber account from the cyber bank server 21 and transmit a payment signal for payment to the cyber bank server 21 when a predetermined time elapses due to the delivery time of the goods and the settlement of claims. have.

The purchaser terminal 23 requests the cyber bank server 21 to open a cyber account for payment of the purchased goods, and opens a payment signal for the payment after a predetermined time due to the delivery time of the goods and the settlement of claims. It can transmit to the cyber bank server 21. The purchaser terminal 23 may transfer the goods price to the cyber bank real account opened in the general bank 24 using home banking or the like. On the other hand, it is possible to request the withdrawal of the goods paid in the cyber bank real account to the cyber bank server 21, in which case the cyber bank server 21 pays the goods deposited by the buyer to the general bank server 24 in the buyer's actual account Ask to withdraw all or part of

The general bank server 24 performs a conventional banking operation such as transfer of money at the request of the cyber bank server 21, and transmits the details of the price of the goods deposited by the buyer to the cyber bank server 21 in real time. . In addition, the general bank server 24 may be a subject managing the actual account of the buyer or seller. On the other hand, the third general bank server 25 may be another entity that manages the actual account of the buyer or seller.

A basic embodiment of the cyber banking processing of the payment system using the cyber bank according to the present invention having such a configuration is as follows. The cyber bank server 21 is a seller terminal 2 or a purchaser terminal 23 through the Internet. The seller 22 or purchaser terminal 23 provides information necessary to open a cyber account, for example, a name, a social security number, and a bank of a real account. And numbers and the like are transmitted to the cyber bank server 21. At this time, the cyber bank server 21 confirms the identity of the seller or the buyer, opens a cyber account respectively and transmits the result to each terminal. The cyber bank server 21 stores information of the seller and the buyer in its own database or in a separate database. The buyer terminal 23 uses a cash deposit or a cash transfer to a cyber bank real account opened in the general bank 24. Deposit the goods in advance as payment. At this time, the general bank server 24 transmits the deposit history of the buyer to the cyber bank server 21 in real time. At this time, the purchaser terminal 23 may notify the cyber bank server 21 that the payment reserve has been prepaid. The cyber bank server 21 compares the details of the cyber bank real account transmitted from the general bank server 24 with the details of the cyber account of the buyer stored in the database, and then stores the transmitted details. On the other hand, the general bank server 24 and the cyber bank server 21 checks whether the details of the cyber bank real account and the details of the cyber account coincide at regular intervals. The bank server 24 and the cyber bank server 21 issue a warning message to the purchaser terminal 23. The purchaser terminal 23 connects to the server of the seller providing the goods or the paid service. Purchase or apply for paid services. In order to pay for the purchase or use application, the seller terminal 22 or the purchaser terminal 23 transmits a transfer signal for transferring the goods or services to the cyber bank server 21. The cyber bank server 21 requests confirmation of the transfer signal to the terminal of the counterpart. When the cyber bank server 21 receives the confirmation signal from the counterpart terminal, the cyber bank server immediately transfers the money from the buyer cyber account to the seller cyber account, and transfers the transfer contents to the seller and the buyer terminal. Sends a signal for delivery of goods to the goods delivery group in a wireless manner or the like. After receiving the goods, the buyer terminal 23 transmits a payment signal. The cyber bank server 21 receiving the payment signal causes the general bank server 24 to reduce the contract fee from the payment reserve of the buyer deposited in the cyber bank real account, and then to the actual account of the seller opened in the third general bank. 3 is a block diagram showing each function required for establishing the cyber banking process and payment settlement according to the present invention. The customer management system 31 and accounting according to each function block are shown. Management system 32, receiving system 33, credit system 34, foreign exchange system 35, overseas remittance system 36, funding system 37 and various management information data and external report preparation system 38 Separate. The simple functions of each system are as follows.

1) Customer Management System (31): It is divided into customer's balance sheet, foreign exchange transaction results table, bad account management, and CMF system.

2) Accounting system (32): It is divided into balance sheet, income statement, settlement and expense system.

3) Receiving system 33: It is divided into various deposits, separate deposits, periodic deposits, and foreign currency deposit systems.

4) Credit system 34: divided into won, foreign currency loans, payment guarantees, credit limit management, and collateral management system.

5) Foreign exchange system (35): divided into import and export systems.

6) Overseas remittance system 36: divided into OUTWARD, INWARD, currency exchange.

7) Funding system 37: It is divided into Korean won funds, foreign currency funds, securities, FORWARD, and SPOT systems.

8) Management Information Management System (38): It is divided into money operation management, profit management system, and various reports.

The functions of the main system among the above systems are as follows.

1) Accounting system 32: The accounting system is composed of accounting management system and expense management system. The balance sheet module of the accounting management system consists of BALANCE management, balance management, and balance sheet (balance, balance) preparation module. The Income Statement module also consists of Monthly Income, Income Statement, and Income Statement Preparation Module. And the expense module of expense management system is composed of expense budget and execution performance module.

2) Receiving system 33: Various deposit systems of the receiving system include ordinary deposits, savings deposits, checking accounts, opening of accounts in the company's free deposit module, termination, inquiry, deposit and withdrawal and balance for each account, payment interest calculation, bank account management, and settlement of accounts. It is composed of modules. Separate deposit system consists of check issuance, collection, inquiry and accident management modules. In addition, the periodic deposit system is composed of account management, payment interest management, expiration date management, interest automatic cost billing, settlement module. The foreign currency deposit system consists of residents, non-residents, bank account arrangement and settlement module.

3) Credit system (34): The won and foreign currency loan system of the credit system consists of new loans, collection, inquiry module, REPAYMENT schedule module, delinquency management module, and external report data module. And, payment guarantee system is composed of various payment guarantee new, collection, inquiry module, due date management module, external report data management module. And credit line management system is composed of customer limit management, limit period management, and external reporting data management module. And the collateral management system is composed of the collateral status module for credit, and the date management module.

4) Overseas Remittance System (36): The OUTWARD system of the Overseas Remittance System consists of sell foreign exchange management and non-trade payment daily modules. The INWARD system consists of unpaid foreign exchange management and non-trade income daily modules. The hospitality system also consists of the OURBOOK, THEIR BOOK, the Ambassadorial Report, and the DIFFERENCE AMOUNT specification module.

5) Foreign exchange system (35): The foreign exchange system consists of an import system and an export system. The L / C advice module of the export system consists of cover letter writing, request cover letter writing, CHARGE management, and external reporting data management module. The negotiation module consists of bill cover letter writing, payment management, term management, credit status management, and external reporting data management modules. The I / L module of the import system consists of trade association CHARGE management, date management, L / C issued balance management, and external reporting data management module. L / C module consists of H / S code management, date management, local L / C management, and external reporting data management module.

6) Funding system 37: The funding system consists of the won-money fund management system, the foreign currency money management system, and the securities management system, and the dealing system consists of the FORWARD SPOT management module.

4 is a schematic diagram of a system for actually implementing the cyber banking system of the present invention on the web.

The implementation of the present invention is a three-tier client / server architecture as shown, with a security system using a SEED 128-bit encryption algorithm, an RSA 1024-bit key transmission algorithm, and a database with a relational database management system (RDBMS). ), UNIX, WINWODS, NT, WIN98 as the operating system, Explorer as the web browser, and ASP, PHP, CGI, C, PRO C, Java and COBOL languages as implementation languages. In addition, the first tier of the three-tier client / server allows users to easily access the Internet through a web browser, while the second tier allows users to securely use the system with web servers, web gates, web service brokers, firewalls, and security. In fact, the financial application server runs the actual application, and the third tier is an RDBMS that stores all the user's data in a database.

FIG. 5 illustrates the cyber banking and payment system of the present invention shown in FIG. 4 in more detail, and specifically illustrates a connection between a user having an access tool for accessing an Internet network and a server according to the present invention. . Referring to the drawings, the cyber banking payment settlement system according to the present invention, a web for the user to connect to the Internet network 59 over the wired / wireless by using the TCP / IP protocol, and to display a web page transmitted from the server, etc. An internet access tool 51 of a user having a browser; It is connected through the user's Internet access tool 51 and the Internet network 59 to transmit and receive various information data, and transmits various web pages for payment of cyber banking payment to the user's Internet access tool 51, and the user's authentication And a web server 52 having a web gateway for security and service distribution processing. An application server 53 connected to the web server 52 and transferring user's account or inquiring account information; An RDBMS 54 connected to the application server 53 and storing various data data operated by the web server, member registration information, transaction information, and the like; It is connected to the web server 52 and the application server 53, and share the information processed by the web server 52 and the application server 53, the internal intranet 55 and the intranet 55 for processing the same Intranet access tools 56 of connected internal users; It is connected to the web server 52 through the Internet network 59, opens an account for the user's payment of goods through the web server 52, receives the user's transaction history information from the web server 52 A seller's Internet access tool 57 for making a withdrawal request to the web server 52 after a predetermined period of payment for the goods according to the transaction details; An internet access tool 58 of an affiliated bank connected to the web server 52 and the internet network 59 and having a solution and facilities for executing deposit and withdrawal of buyers and sellers in response to a request of the web server 52. ; It consists of.

6 is an internal block diagram of the web server 52, the application server 53, and the RDBMS 54. As shown in FIG. The function of each block will be described with reference to the drawings.

1) Authentication Block 52b (SoftForum Certificate Authority, SFCA)

The authentication block proves the user's identity more strongly by issuing a digital certificate to the user, and implements a digital signature based on the certificate to enable data integrity verification and blockade of transaction facts. It is a block for providing reliability.

2) data base (54a)

When operating the cyber bank payment system, data such as explanation part, data part and Q / A data are stored.

3) Member Information and Transaction History Information Database (54b)

In the cyber bank payment system, user registration information, seller registration information, user transaction history, and purchase history data are stored.

4) Transaction Price Information Database (54c)

It stores the normal or error details among the details of the user's deposit, transfer, refund, etc., and the daily transaction data such as the seller's sales history, the cashing schedule details, and the fee information.

5) Bank Transfer Block 53a

A block for transferring from a cyber bank account to a user's account or from a member's affiliated bank real account to a cyber bank account. In addition, transfer between cyber bank accounts is also possible, for example, when transferring from a user's cyber bank account to another user's cyber bank account. In addition, according to the user's request for a refund, the function of transferring the balance from the cyber bank account to the bank account, or transferring the balance of the seller's cyber bank account to the seller's real account of the partner bank, to settle the payment or refund the user's cyber bank account. Do this.

6) Account information inquiry block 53b

It is a block for inquiring the details of the account transfer block and for retrieving the transaction details and the balance by period.

In addition, since the server program unit 51a, the service distribution gateway 52d, the web repeater 52c, the web page 52e, and the like shown in the drawings are implemented as a conventional technology, detailed description thereof will be omitted.

As mentioned above, although preferred embodiment of this invention was described with reference to the figure which showed, the present invention is not limited to the above-described embodiment, A various deformation | transformation is possible, and such a deformation | transformation does not deviate from the summary of this invention. It will be apparent to those skilled in the art having ordinary skill in the art.

By using the cyber bank internal integrated business processor and the cyber bank payment business processor according to the present invention as described above, each component of the cyber bank payment system, that is, the seller running the paid service business on the Internet, It is possible to smoothly support the payment at a low fee without the need for a device, and the purchaser who uses the paid service can safely pay for the use of the service with a simple operation.

In addition, by using the payment system according to the present invention, an existing general bank supporting cash movement is a very advanced invention that can reduce the cost of managing the account and safely operate the deposited funds.

Claims (5)

In the system for paying the price according to the e-commerce, Open a cyber account to the seller and the buyer respectively, store and manage the actual account information of the seller for the actual payment of the payment between the seller and the buyer, the seller's cyber account in the buyer's cyber account in accordance with the transfer request of the seller or the buyer The actual account transfer signal corresponding to the transfer of the buyer's and seller's cyber account after a predetermined time for the delivery of the goods or the settlement of the claim, or after the buyer's approval, A cyber bank server outputting together; And A cyber bank real account opened in the name of the cyber bank server is opened, and the details of payment reserves deposited from the buyer to the cyber bank real account are transmitted to the cyber bank server in real time, thereby allowing the cyber bank server to execute. General to match the details of the buyer cyber account and the cyber bank room account, and transfer the goods price from the cyber bank room account to the seller room account according to the real account transfer signal and seller room account information received from the cyber bank server. Payment system using a cyber bank, characterized in that it comprises a bank server. The method of claim 1, The cyber bank server further stores and manages the actual account information of the buyer, If the buyer sends a retrieval request signal to the cyber bank server to recover some or all of the remaining payment reserve from the buyer to the cyber bank real account, the cyber bank server matches the retrieval request signal of the buyer. The real bank collection signal and the real account information of the buyer are transmitted to the general bank server so that the general bank server transfers part or all of the payment reserve requested by the buyer to the real account of the buyer from the cyber bank real account. Payment system using a cyber bank, characterized in that to make. The method according to claim 1 or 2, The general bank server transfers the goods price from the cyber bank real account to the seller's real account, and then transfers the real account transfer result to the cyber bank server in real time to record details of the real account transfer of the seller and the cyber bank server. The payment system using the cyber bank, characterized by matching the details of the seller's cyber account. The method of claim 3, If the details of the cyber account of the cyber bank server and the details of the actual cyber bank account of the general bank do not match, the cyber bank server transmits a mismatch message to the purchaser terminal or the seller terminal. Payment system. delete