KR101693421B1 - Apparatus for providing financial service based on financial open flatform - Google Patents

Apparatus for providing financial service based on financial open flatform Download PDF

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KR101693421B1
KR101693421B1 KR1020150061919A KR20150061919A KR101693421B1 KR 101693421 B1 KR101693421 B1 KR 101693421B1 KR 1020150061919 A KR1020150061919 A KR 1020150061919A KR 20150061919 A KR20150061919 A KR 20150061919A KR 101693421 B1 KR101693421 B1 KR 101693421B1
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open
financial
open api
api
service
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KR1020150061919A
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KR20160130034A (en
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손병환
김봉규
배청원
김태진
석창규
윤완수
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농협은행(주)
농업협동조합중앙회
웹케시 주식회사
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
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  • Development Economics (AREA)
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  • Physics & Mathematics (AREA)
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Abstract

The present invention generates financial service contents through an open API by calling an open API from a financial server and a financial server that distribute an open API (application programmer interface) for producing financial service contents, And a content server for providing financial services to the user.

Figure R1020150061919

Description

[0001] APPARATUS FOR PROVIDING FINANCIAL SERVICE BASED ON FINANCIAL OPEN FLATFORM [0002]

The present invention relates to a financial service providing apparatus based on a financial open platform, and more particularly, to a financing open platform in which a FinTech company can quickly and easily use a bank platform by providing an open API (application programmer interface) Based financial service providing apparatus.

In general, Fintech is a combination of financial and technique, which means finance. It is a new type of financial technology based on information technology (IT) such as mobile payment and remittance, personal wealth management and crowdfunding .

On the other hand, in the recent mobile market, there are increasing management methods to design various platforms and to design profit strategies by analyzing consumer preferences and preference patterns from the past methods that focus on product development, launch and operation.

Accordingly, IT companies and large companies are providing services tailored to the convenience and demand of customers by utilizing the compatibility with mobile platforms including smartphone applications and Internet web services.

However, the above-mentioned platform management has been mainly conducted in IT companies and large corporations such as education, culture, and public services, and has not been implemented in the financial sector. This is because the platform has had a huge impact on the profit structure of financial institutions.

The background art of the present invention is disclosed in 'Open platform type educational information providing system using online' of Korean Patent Laid-Open Publication No. 2008-0096865 (2008.11.04).

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to provide a financial service based on a financial open platform, in which a FinTech company can quickly and easily use a bank platform by providing an open API through an open platform Device.

Another object of the present invention is to provide a financial service providing apparatus based on a financial open platform, which can open an open platform of a financial institution to a pin tech company so as to contribute to the participation and development of a pin tech company for providing financial service .

It is another object of the present invention to provide a financial service providing apparatus based on a financial open platform, in which an open platform is opened to a FinTech company to enable a FinTech company to produce and provide various financial services and contents.

Another object of the present invention is to induce the development of various financial services related to balance inquiry, remittance, settlement, deposit and withdrawal transfer, credit card settlement and cash IC card through the open platform, thereby improving and activating the smart financial market And providing a financial service providing apparatus based on a financial open platform.

Another object of the present invention is to provide a financial open platform based on a financial platform which provides a financial open API through an open platform to enable convenient and demand of a pin tech company and a service user, And a financial service providing apparatus.

According to an aspect of the present invention, there is provided an apparatus for providing financial services based on a financial open platform, comprising: a financial server for distributing an open API (application programmer interface) for producing financial service contents; And a content server for generating financial service contents through the open API by calling the open API from the financial server and providing a financial service to the service user terminal based on the financial service contents.

In the present invention, the financial server may include a database unit for storing financial information necessary for providing financial services; And an open platform for providing the open API corresponding to each of the financial services and operating and managing each of the open APIs in response to the request for use of the open API from the content server.

In the present invention, the financial information includes accounting information and information accounting information for providing a financial service.

In the present invention, the open platform may include an open API application module that provides a portal service for distributing the open API and receives the open API use request for using the open API; An open API selection module for listing a list of the open APIs and distributing the open API selected by the content server to the content server among the open APIs listed; And an open API selection module for inputting and accepting the open API usage request through the open API application module and for registering the open API selected by the content server among the open APIs listed in the open API selection module, And an open API operation module that distributes the open API to the client.

In the present invention, the open API operation module manages the operation of the portal service and the open API distribution, and manages and monitors the service environment for the open API.

In the present invention, the open API is characterized by being one or more of Representational State Transfer (REST), Simple Object Access Protocol (SOAP), RSS / ATOM, and Resource Description Framework (RDF).

An apparatus for providing a financial service based on a financial open platform according to another aspect of the present invention includes an open API application module for providing a portal service for distributing an open API and receiving an open API usage request for using the open API; An open API selection module for listing a list of the open APIs and distributing the open API selected by the content server among the open APIs listed to the content server; And an open API selection module for inputting and accepting the open API usage request through the open API application module and for registering the open API selected by the content server among the open APIs listed in the open API selection module, And an open API operation module that distributes the open API to the client.

In the present invention, the open API operation module manages the operation of the portal service and the open API distribution, and manages and monitors the service environment for the open API.

In the present invention, the open API is characterized by being one or more of Representational State Transfer (REST), Simple Object Access Protocol (SOAP), RSS / ATOM, and Resource Description Framework (RDF).

The present invention provides a financial open API through an open platform, allowing FinTech companies to use the bank platform quickly and easily.

The present invention opens an open platform of a financial institution to FinTech companies, thereby contributing to the participation and development of FinTech companies for providing financial services.

The present invention opens an open platform to FinTek to help FinTech companies produce and provide various financial services and contents.

The present invention enables the development of a variety of financial services related to balance inquiry, remittance, settlement, deposit and withdrawal transfer, credit card settlement, and cash IC card through the open platform, thereby improving and activating the smart financial market.

The present invention provides a financial service provision system based on a financial open platform, which provides a financial open API through an open platform to enable a variety of quick and convenient production of contents suited to the convenience and demand of financial companies and service users, .

1 is a conceptual diagram illustrating an operation procedure of a financial service providing apparatus based on a financial open platform according to an embodiment of the present invention.
2 is a block diagram of a financial service providing apparatus based on a financial open platform according to an embodiment of the present invention.

Hereinafter, an apparatus for providing financial services based on a financial open platform according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. Further, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the user, the intention or custom of the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

Referring to FIG. 1, a financial open platform-based financial service providing apparatus according to an embodiment of the present invention includes a service user terminal 10, a content server 30, and a financial server 20.

The service user terminal 10 is a terminal used by a service user who wants to use the financial service contents provided by the content server 30.

The service user accesses the content server 30, the financial server 20 and the like using the service user terminal 10 and can use various financial services by using financial service contents or the like.

The service user terminal 10 includes an input device for inputting data, an output device for outputting the process result, and a computing device for computing and processing the input data through the input device and generating the processing result. The service user terminal 10 generates and outputs the processing result based on the input data, so that the service user can use his / her own content service. The service user terminal 10 may be a computer, a notebook, a netbook, a tablet PC, a PDA (Personal Digital Assistant), a smart terminal, or the like.

Here, the financial service contents include at least one of a financial service and a service model provided by a financial institution or the like. The financial service contents include a smartphone application and an Internet web service, which can be provided through the service user terminal 10, And the like.

For example, financial services may include balance inquiry, remittance, settlement, transfer of deposits and withdrawals, credit card settlement, cash IC card settlement, and may include customer asset management and company asset management.

In addition, the service model may include various business models and applications that can be served using financial information and an open application programmer interface (API).

The content server 30 is provided with a company, accesses the financial server 20, calls an open API provided by the financial server 20, produces financial service contents for providing financial services through an open API, And provides the corresponding financial service to the service user terminal 10 based on the financial service contents. In this case, the company can provide various financial service contents based on PinTech.

Here, PinTech is a combination of financial and technical means finance, which means a new type of financial technology based on information technology (IT) such as mobile payment and remittance, personal asset management and crowdfunding .

That is, the content server 30 accesses a portal for use of an open API in accordance with various control commands inputted from a business terminal (not shown) used by a business operator, an administrator, or the like, Application of the open API to the financial server 20 by transmitting various control commands necessary for use of the guide, user security, test and authentication key.

Here, an API has a language or message format used when an application communicates with a system program such as an operating system or a database management system, and an API calls a function that provides a connection to a specific subroutine for execution in the program . Therefore, an API has several program modules or routines that already exist or must be connected to perform the task requested by the function call.

In particular, the Open Application Program Interface (API) is an API that allows Internet users to develop web applications and services as well as provide web search results and user interface (UI).

These open APIs are at least one of Representational State Transfer (REST), Simple Object Access Protocol (SOAP), RSS / ATOM, and Resource Description Framework (RDF).

Meanwhile, the content server 30 generates and generates financial service contents using at least one of financial information and platform provided through the open API in the financial server 20 through the above-described process, Distribute.

In this case, the content server 30 is provided with a balance inquiry API, a remittance API, a payment API, a deposit and withdrawal transfer API, a credit card payment API, a customer asset management customer asset management, API, and generates and distributes financial service contents using the selected open API.

For reference, the open API described above is not limited to the above-described embodiment, and can be additionally modified as necessary. In particular, open APIs can be further modified in accordance with the types and limitations of financial services offered by financial institutions, the demand of business and service users, and changes in financial markets.

Meanwhile, the financial service contents are produced on the basis of the open APIs provided by the financial institutions as described above. As a result, various financial services provided by financial institutions can be included, and convenience and demand Can be produced in various ways.

As described above, when the financial service content is distributed by the content server 30, the service user can use various financial services through the service user terminal 10 as described above.

The financial server 20 provides the open platform 22 required for providing financial services as an open API. This financial server (20) includes a database part (21) and an open platform (22).

The database unit 21 stores financial information necessary for providing financial services. Such financial information includes accounting information and information related information for providing financial services. In addition, the financial information may include all the information necessary for producing and distributing financial service contents. Financial information is updated in real time by the operator or manager of the financial institution.

When the open platform 22 receives an application for use of the open API from the content server 30, the open platform 22 provides an open API corresponding to each of the financial services to select the open API. (30), and manages the overall operation of each of the open APIs distributed for providing financial services.

The open platform 22 includes an open API application module 221, an open API selection module 222, and an open API operation module 223.

The open API application module 221 provides a portal service for distributing an open API and inputs an open API usage request for using the open API.

That is, the open API application module 221 registers the company as a member and receives a financial open API. In addition, the open API application module 221 can provide a development guide necessary for development of financial service contents to the content server 30 using the open API. In addition, the open API application module 221 performs the security functions of the vendor necessary for the open API distribution, tests the use of the open API, and issues an authentication key.

Upon receiving a request from the content server 30, the open API selection module 222 allows the user to select one or more of the open APIs listed by listing the open APIs, and distributes the selected open APIs to the content server 30. The selected open API may include a balance inquiry API, a transfer API, a payment API, a withdrawal transfer API, a credit card payment API, and the like. In addition, the open API may include at least one of a customer asset management API and a business asset management API.

The open API operation module 223 inputs and approves the open API use application through the open API application module 221 and distributes the open API selected by the content server 30 among the open APIs listed to the content server 30 .

That is, the open API operating module 223 provides and manages a portal for distributing the open API, and distributes the open API to the content server 30 at the request of the content server 30. The open API operation module 223 manages the open API service and manages the service environment. In addition, the open API operating module 223 operates and manages the open platform 22 according to a control command of the user responsible for the open API operation, and monitors the overall operation of the open platform 22.

Hereinafter, an operation procedure of a financial service providing apparatus based on a financial open platform according to an embodiment of the present invention will be described.

First, the content server 30 accesses a portal for use of an open API in accordance with various control commands inputted from a business terminal (not shown), and registers a membership, a financial open API application, a development guide utilization, a user security, And transmits an open API to the financial server 20 by transmitting various control commands necessary for key issuance.

Accordingly, the content server 30 receives the balance inquiry API, the remittance API, the payment API, the deposit and withdrawal transfer API, the credit card payment API, the customer asset management customer asset management, the business asset management and the business asset management API , And generates and distributes financial service contents using the selected open API. Accordingly, the financial service contents can be produced by various financial services provided by financial institutions, content matching with the convenience and demand of the users of the service and the service provider.

As described above, when the financial service content is distributed by the content server 30, the service user can use various financial services through the service user terminal 10 as described above.

In the above process, when the financial server 20 receives an application for use of the open API from the content server 30, the financial server 20 provides an open API corresponding to each of the financial services, To the content server 30 through the open API, and manages the overall operation of each of the open APIs distributed for providing financial services.

That is, the open API application module 221 provides a portal service for distributing the open API, and receives an open API use request for using the open API. The open API selection module 222 receives a request from the content server 30 The open API is listed and the open API selected by the content server 30 among the open APIs listed is distributed to the content server 30. [ In this case, the open API can be selected from at least one of a balance inquiry API, a transfer API, a payment API, a deposit and withdrawal API, a credit card payment API, a customer asset management API, and a vendor asset management API.

In addition, the open API operation module 223 inputs and approves the open API use application through the open API application module 221, lists the open APIs, and selects an open API selected by the content server 30 from among the open APIs listed Is distributed to the content server 30 and operated.

As described above, the present embodiment provides an open API (application programming interface) through the open platform 22 so that PinTech companies can use the bank platform quickly and easily.

In this embodiment, the open platform 22 of the financial institution is opened to the FinTech company so that the FinTech company can use the open platform 22 quickly and easily. Contributing to development.

In addition, the present embodiment opens the open platform 22 to the FinTech company so that the FinTech company can create and provide various financial services and contents.

Furthermore, the present embodiment induces the user to develop various services related to balance inquiry, remittance, payment, deposit / withdrawal transfer, credit card settlement, cash IC card, etc. through the open platform 22, thereby improving and activating the smart financial market .

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, I will understand. Accordingly, the true scope of the present invention should be determined by the following claims.

10: service user terminal
20: financial server
21: Database section
22: Open platform
221: Open API application module
222: Open API selection module
223: Open API operation module
30: Content server

Claims (9)

A financial server for distributing an open API (application programmer interface) for producing financial service contents; And
And a content server for generating financial service contents through the open API by calling the open API from the financial server and providing a financial service to the service user terminal based on the financial service contents,
The financial server includes: a database unit storing financial information necessary for providing a financial service; And an open platform for providing the open API corresponding to each of the financial services and operating and managing each of the open APIs in response to the request for use of the open API from the content server,
An open API application module for providing a portal service for distributing the open API and receiving the open API use request for using the open API; An open API selection module for listing a list of the open APIs and distributing the open API selected by the content server to the content server among the open APIs listed; And an open API selection module for inputting and accepting the open API usage request through the open API application module and for registering the open API selected by the content server among the open APIs listed in the open API selection module, And an open API operating module for distributing the open API to the financial service providing apparatus.
delete The method according to claim 1,
And an accounting system information and information system information for providing a financial service.
delete The method of claim 1, wherein the open API operating module
Managing the operation and open API distribution of the portal service, and managing and monitoring a service environment for the open API.
The system according to claim 1, wherein the open API is one or more of REST (Representational State Transfer), SOAP (Simple Object Access Protocol), RSS / ATOM and RDF .
delete delete delete
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WO2019062184A1 (en) * 2017-09-30 2019-04-04 平安科技（深圳）有限公司 Bank insurance policy data interfacing method and insurance policy data server
KR102107454B1 (en) 2019-08-06 2020-05-08 주식회사쿠콘 System for multiplication of financial payment networks, method for financial services using the same and computer program for the same
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WO2019062184A1 (en) * 2017-09-30 2019-04-04 平安科技（深圳）有限公司 Bank insurance policy data interfacing method and insurance policy data server
KR102107454B1 (en) 2019-08-06 2020-05-08 주식회사쿠콘 System for multiplication of financial payment networks, method for financial services using the same and computer program for the same
KR102115400B1 (en) 2019-08-30 2020-05-27 주식회사쿠콘 System and method for remittance relay and computer program for the same
KR102119449B1 (en) 2019-08-30 2020-06-08 주식회사쿠콘 Aggregation open api platform system, method for prividing financial services using the same and computer program for the same
KR102119383B1 (en) 2019-10-30 2020-06-08 주식회사쿠콘 System and method for service for facilitating agreement, and user device and computer program for the same
KR20210053149A (en) 2019-10-30 2021-05-11 주식회사쿠콘 System and method for service for facilitating agreement, and user device and computer program for the same
KR20230042680A (en) 2020-05-21 2023-03-29 주식회사쿠콘 System and method for service for facilitating agreement, and user device and computer program for the same
KR102347642B1 (en) 2021-05-25 2022-01-07 주식회사쿠콘 System and method of agent service for subscription of financial instrument and computer program for the same

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