KR102029348B1 - Automatic deposit notification method using the balance information of message, its notification server - Google Patents

Abstract

The present invention detects a message sent from a financial institution when an amount of an order is received from a customer using an e-commerce transaction, and balance information of a message for completing a deposit process of the corresponding order deposited based on the balance information included in the message. Automatic deposit and withdrawal notification system using the same and a notification method using the same, More specifically, the account information input from the seller, the amount of information to be deposited by the customer, the order information and ordered by the customer storage unit for storing the analysis algorithm; A balance setting unit for setting a first balance stored in the account information as a first reference balance; A balance matching unit which is driven by the analysis algorithm and compares the deposit and withdrawal amount and the second balance included in the message transmitted from the financial institution to the terminal of the seller with the first reference balance; If the analysis algorithm is driven and the deposit amount and the second balance are compared with the first reference balance, the message and the order information corresponding to the matched deposit are processed as deposit completed and the second balance included in the message Updating the second reference balance to the second reference balance, and comparing the withdrawal amount and the second balance with the first reference balance if the message is not matched, and processing the message and order information corresponding to the unsatisfactory deposit as a pending case; And each time another message is added to the message processed in the pending case, the first reference balance, the amount of money in and out of the pending message, and the amount of money added and added in the pending message are added or processed. If the third balance, which is the highest balance among the messages, or the fourth balance except for the withdrawal amount from the maximum balance is matched, deposit processing is completed on the pending case and the added messages, and the matched among the third balance or the fourth balance is matched. An automatic deposit and withdrawal notification system using the balance information of a message including a pending event processing unit for updating any one to a third reference balance and a notification method using the same are provided.

Description

Automatic deposit and withdrawal notification system using balance information of message and notification method using same {AUTOMATIC DEPOSIT NOTIFICATION METHOD USING THE BALANCE INFORMATION OF MESSAGE, ITS NOTIFICATION SERVER}

The present invention relates to a deposit and withdrawal automatic notification system using the balance information of the message and a notification method using the same, and more particularly, when receiving a deposit amount for the order from the customer using the e-commerce, the message sent from the financial institution, The present invention relates to an automatic deposit and withdrawal notification system using the balance information of a message for depositing and processing a received order based on the balance information included in the message, and a notification method using the same.

In general, when a customer purchases an item and deposits the amount in the seller's account, the customer compares and checks the order and completes the deposit. In this case, the financial institution such as a financial institution is operated to notify the deposit in a manner of detecting the input / exit amount and the balance to be sent in a message such as SMS (Short Message Service), push (Push). In addition, the deposit amount is the balance of the seller's account through the seller's periodic withdrawal.

However, if a plurality of messages are concentrated within a relatively short time in the process of checking whether a message is a valid message, there is a problem in that the order of these messages may not be guaranteed and confusion of the order of deposit and withdrawal.

In addition, there is a problem that a user who exploits this finds a mobile phone number of a seller and sends a message in a form similar to a message sent by a financial institution.

The background technology of the present invention is disclosed in Korean Patent Laid-Open Publication No. 2002-0034643 and the like, but the fundamental solution to the above-mentioned problem is not presented.

An object of the present invention devised to solve the problems described above, when receiving the amount of the order from the customer using the e-commerce, orders based on the deposit amount or withdrawal amount and balance included in the message sent from the financial institution This is to provide an automatic deposit and withdrawal notification system using the balance information of a message for comparing and confirming the order and confirming the deposit of the order, and using the same.

In addition, another object of the present invention is to provide an automatic deposit and withdrawal notification system using the balance information of the message to be rearranged on the basis of the deposit amount and the balance of the message transmitted from the financial institution and the notification method using the same. .

In addition, another object of the present invention, by using the balance information of the message to detect the message transmitted from the financial institution application of the smart phone to complete the deposit of the order matching the depositor name, the deposit account, the deposit amount contained in the message It is to provide an automatic deposit and withdrawal notification system and a notification method using the same.

According to an embodiment of the present invention for achieving the above object, the present invention, the account information input from the seller, the amount of information to be deposited by the customer, the order information and analysis algorithms stored by the customer stores the storage; A balance setting unit for setting a first balance stored in the account information as a first reference balance; A balance matching unit which is driven by the analysis algorithm and compares the deposit and withdrawal amount and the second balance included in the message transmitted from the financial institution to the terminal of the seller with the first reference balance; If the analysis algorithm is driven and the deposit amount and the second balance are compared with the first reference balance, the message and the order information corresponding to the matched deposit are processed as deposit completed and the second balance included in the message Updating the second reference balance to the second reference balance, and comparing the withdrawal amount and the second balance with the first reference balance if the message is not matched, and processing the message and order information corresponding to the unsatisfactory deposit as a pending case; And each time another message is added to the message processed in the pending case, the first reference balance, the amount of money in and out of the pending message, and the amount of money added and added in the pending message are added or processed. If the third balance, which is the highest balance among the messages, or the fourth balance except for the withdrawal amount from the maximum balance is matched, deposit processing is completed on the pending case and the added messages, and the matched among the third balance or the fourth balance is matched. It includes; pending processing unit for updating any one to the third reference balance.

The storage unit may further store a message form of a financial institution, and the message analyzer may detect an account number, a deposit amount and a second balance by comparing a message received from the financial institution with the stored message form, If it matches with one of the first reference balance, the second reference balance, and the third reference balance, it may be determined as a valid message.

In addition, the split message detection unit for detecting a message divided into at least two or more from the pre-stored message form; and the last word of any one of the message divided into two or more corresponding to the pre-stored message form by storing the detected divided message And a message merger for connecting the first word with the other one.

The message merging unit may connect the divided messages to generate a merged message and replace the merged message with the divided message.

According to an embodiment of the present invention for achieving the above object, the present invention comprises the steps of storing the account information input from the seller, the amount of information to be deposited by the customer, the order information and analysis algorithm ordered by the customer in the storage unit ; Setting, by the balance setting unit, a first balance stored in the account information as a first reference balance; A balance matching unit is driven by the analysis algorithm and compares a deposit and withdrawal amount and a second balance included in a message transmitted to a terminal of a seller from a financial institution to compare with the first reference balance; When the message analysis unit is driven by the analysis algorithm and compares the withdrawal amount and the second balance with the first reference balance, deposit and process the message and order information corresponding to the matched deposit and complete the deposit. If the second balance is updated to the second reference balance, and the deposit and withdrawal amount and the second balance do not match by comparing with the first reference balance, processing the message and the order information corresponding to the unsatisfactory deposit as pending cases ; And each time the other message is added to the message processed as the held case in a chronological order, the first reference balance, the amount of incoming and outgoing of the pending message, and the amount of added and received message are processed as the pending case. If either the third balance, which is the highest balance among the messages or the added messages, or the fourth balance except the withdrawal amount from the maximum balance, matches the pending cases and the additional messages, the third balance or the fourth balance is completed. And updating any one of the balances to the third reference balance.

The method may further include storing a message form of a financial institution in the storage unit; The message analyzing unit compares the message received from the financial institution with the stored message form, detects an account number, a deposit and withdrawal amount, and a second balance, and stores a first reference balance, a second reference balance, and a third reference balance of the account number. If it is matched with the one compared to determine a valid message; further includes.

The method may further include: detecting, by the split message detector, a message divided into at least two or more from a previously stored message style;

And storing, by the message merging unit, the detected fragmented message and concatenating the last word of any one of the two or more divided words and the first one of the remaining words to correspond to the previously stored message form.

The method may further include generating the merged message by connecting the divided message and replacing the merged message with the divided message.

According to the automatic deposit and withdrawal notification system using the balance information of the message of the present invention as described above and the notification method using the same, when receiving the deposit amount for the order from the e-commerce customer to detect the message sent by the financial institution included in the message Based on the deposit amount and the balance, the order can be matched with the order and the deposit can be processed.

In addition, according to the present invention, it is possible to rearrange that the order of the messages sent from the financial institution is mixed based on the balance and the amount of the deposit and withdrawal.

In addition, according to the present invention, by detecting the message transmitted from the financial institution application of the smart phone can be completed the deposit processing of the order of the depositor name, the deposit account, the deposit amount included in the message.

1 is a schematic diagram showing an automatic deposit and withdrawal notification system using balance information of a message according to an embodiment of the present invention.
2 is a block diagram showing an automatic deposit and withdrawal notification system using balance information of a message according to an embodiment of the present invention.
3 is a flow chart of a method for automatic notification of deposit and withdrawal using balance information of a message according to an embodiment of the present invention.

Advantages and features of the present invention and methods for achieving them will be apparent with reference to the embodiments described below in detail with the accompanying drawings.

However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various different forms, and only the embodiments make the disclosure of the present invention complete, and the general knowledge in the art to which the present invention belongs. It is provided to fully inform the person having the scope of the invention, which is defined only by the scope of the claims. Like reference numerals refer to like elements throughout.

In general, the automatic deposit notification system checks that the customer purchased the goods over the Internet and deposits the amount in the seller's account to complete the deposit.

At this time, the financial institution detects the sending of the message to the terminal of the account manager, and processes the corresponding orders through the deposit and withdrawal amount and the balance included in the message, and informs the seller. However, there is a problem that can not be solved if the message transmission order is twisted.

In addition, there is a problem that an error occurs due to an attack message of a malicious user, not a message sent from a financial institution, and could not solve this problem.

In order to solve the above problems, the present invention will be described with reference to the accompanying drawings, the automatic deposit and withdrawal system and method using the balance information of the message according to embodiments of the present invention.

1 is a configuration diagram schematically showing a deposit and withdrawal automatic notification system using the balance information of a message according to an embodiment of the present invention.

A shopping mall (seller) refers to an internet shop that sells tangible and intangibles and receives money in bankbooks.

The customer purchases an item from a shopping mall (seller), selects a bank account as a form of payment, and then deposits the amount into the account number of the seller's financial institution.

When the deposit is confirmed, the financial institution transmits a message to the terminal of the seller who is the owner (owner) of the deposited account number.

In this case, the terminal includes a computer, a notebook computer, a personal digital assistant (PDA), a cellular phone, a personal communication service (PCS) phone, a hand-held PC, a global system for mobile (GSM) phone, and a W-CDMA ( It refers to a device capable of receiving a message by being able to communicate through a wired / wireless communication network such as a wide band CDMA phone, a CDMA-2000 phone, and a Mobile Broadband System (MBS) phone.

The present invention analyzes the message transmitted to the terminal of the seller, compares the deposit and withdrawal amount and the balance information included in the message content with the existing account balance and then determines whether it is a valid purchase, and then the deposit is processed. . Here, a series of processes for the deposit completion processing of the present invention may be implemented in the automatic deposit and withdrawal notification server. It may also be implemented using the terminal of the seller. However, in order to be implemented in a terminal of a seller, a driving program for the same, for example, an application is preferably installed in advance, the automatic deposit and withdrawal notification system using the balance information of the message of the present invention is performed. Although the present invention is described as being implemented in the server, it will be apparent that the present invention is not limited thereto.

Hereinafter, to describe in more detail with reference to FIG.

2 is a block diagram showing an automatic deposit and withdrawal notification system using balance information of a message according to an exemplary embodiment of the present invention.

2, the automatic deposit and withdrawal notification system 100 using the balance information of a message includes a storage unit 110, a balance setting unit 120, a balance matching unit 130, a message analyzing unit 140, and a pending case processing unit. It is the structure containing 150.

The customer orders the desired product through the shopping mall provided by the seller, deposits the cost of the order into the seller's financial institution account number, and the seller confirms the deposit and processes the product order. At this time, the automatic deposit and withdrawal notification server automatically matches the product orders and deposits to deliver to the seller, or provide through the notification. Thus, in an embodiment of the present invention, the user may be a seller.

The storage unit 110 stores the account information input from the seller, the amount information to be deposited by the customer, the order information and the analysis algorithm ordered by the customer. In the present invention, the storage unit 110 is a storage medium such as a database, and has a storage space implemented in a computer such as a ROM. The account information is input from the seller and includes the name of the financial institution, the account number, the balance and the name of the seller. The amount information is defined as the amount to be deposited by the customer, and the order information is defined as the details ordered by the customer corresponding to the amount to be deposited. Here, the order information includes the name of the customer. The analysis algorithm performs a series of processes using the balance information included in the messages, such as analysis, comparison, merging, etc., sent from the financial institution to the seller. In addition, the analysis algorithm is driven by a central processing unit of the computer, where the various information required is stored in the storage unit 110, input from the seller or customer, or input from the employee managing the automatic deposit and withdrawal notification server It may be.

The balance setting unit 120 sets the first balance stored in the account information as the first reference balance.

In this case, the account information may be defined as stored in the storage unit 110, and the first balance may be defined as the amount of the account information stored in the storage unit. The first reference balance is defined as a reference point that can be compared, contrasted, or identified in a series of processes of the present invention. The first reference balance may be different according to the amount of the account information for each of a plurality of sellers. That is, the balance setting unit 120 may initially set the account information of the seller, or may set the first balance from a message that is first transmitted through a transaction with a financial institution, and may set the first reference balance.

The balance matching unit 130 compares the deposit and withdrawal amount and the second balance included in the message transmitted from the financial institution to the seller's terminal and compares it with the first reference balance.

In the present invention, the balance matching unit 130 may be performed by driving an analysis algorithm stored in the storage unit.

Specifically, the message transmitted from the financial institution to the seller's terminal is different in the form of the message for each financial institution, the message form is preferably predefined or stored in the storage unit 110 for each financial institution. Here, the message form is text that forms a message such as fonts, words, and structures transmitted from a financial institution to a user's terminal, and a specific area in which a deposit, withdrawal amount, balance, and account information is displayed is designated. The transaction details of the financial institution are entered in the area and transmitted to the user. As a result, the deposit and withdrawal amount and the second balance included in the message are compared with the message form stored in the storage unit 110 to derive the deposit and withdrawal amount and the second balance.

In the present invention, the term "exit amount" is preferably one of the deposit amount or the withdrawal amount, and in some cases, the deposit amount and the withdrawal amount may be simultaneously displayed by a financial institution. However, in the present invention, it is preferable not to limit the amount of the withdrawal to one of the amount of the deposit or the amount of withdrawal, but to be understood as the amount of change in the amount of the financial institution account.

The second balance may be defined as the remaining balance of the account number displayed in the message received from the financial institution, where the remaining balance of the account number may be defined as the amount after applying the amount of change in the account.

In the present invention, the deposit and withdrawal amount and the second balance may be compared with the first reference balance set by the balance setting unit 130. In this case, it is preferable to determine whether or not the sum of the input / output amount and the first reference balance is the same as or not the same as the second balance.

The message analyzing unit 140 processes the message according to a case where the incoming and outgoing amount and the second balance of the message transmitted from the financial institution to the seller are not matched with the first reference balance. The message can be processed by the analysis algorithm driven in the present invention.

Specifically, if the deposit and withdrawal amount and the second balance match with the first reference balance, the message and order information corresponding to the deposit is processed as deposit completed, and the second balance included in the message is based on the second standard. Update to the balance.

On the other hand, if the deposit and withdrawal amount and the second balance does not match by comparing with the first reference balance, the message and order information corresponding to the inconsistent deposits are treated as pending cases.

In the present invention, the processing of the message and the order information when the case does not match may be stored separately in the storage unit of the present invention. That is, when the deposit and withdrawal amount and the second balance are compared with the first reference balance, they are moved to the storage to complete the deposit. At this time, the second reference balance is updated with the second reference balance and the first reference balance is replaced with the second reference balance.

If the deposit and withdrawal amount and the second balance are not matched with the first reference balance, the message and the order information corresponding to the inconsistent deposits are moved to the storage unit for processing as pending cases. That is, the storage unit may be provided with a processing storage unit for storing the message and the order information corresponding to the deposit completed processing, and a pending storage unit for storing the message and order information corresponding to the case processed as pending.

Whenever another message is added in chronological order to a message processed as a pending event, the pending event processing unit 150 sums up the first reference balance, the amount of incoming and outgoing messages of the pending message, and the amount of incoming and outgoing messages of the added message. If the third balance, which is the highest balance among the added or added messages, or the fourth balance except the withdrawal amount from the maximum balance is matched with any one of the pending and added messages, the deposit and the added messages are completed and the third balance or the fourth balance is Update any one of them to the third standard balance.

That is, adding another message in chronological order to a message processed as a pending event is defined as another message added in chronological order from the reception time of the message processed as the pending event. Other messages added here may or may not be pending. That is, the present invention verifies validity through a message received later from the hold case when the first hold case occurs.

The storage unit 1100 further stores a message form of a financial institution, and the message analyzer compares a message received from the financial institution with the stored message form to detect an account number, a deposit amount, a second balance, and the account number. If it matches with one of the first reference balance, the second reference balance, and the third reference balance of can be determined as a valid message.

Hereinafter, the method of determining whether a coincidence coincides with the first reference balance by matching the deposit and withdrawal amount and the second balance included in the message will be described in more detail.

The balance matching unit determines whether the coincidence amount and the balance included in the message match with the reference balance.

In the present invention has been described with respect to the deposit, in the present invention will be applied to plus or minus depending on the deposit amount and withdrawal amount.

For example, if the current account balance of the seller is 1 million won, the reference balance is set to 1 million won.

If the message includes the contents of "(approximately) 20,000 won deposit, balance: 1,020,000 won", the reference balance is 1 million won + 20,000 won = 102 million won, which means that the above message is determined to be valid.

In this case, when the result matched by the balance matching unit 130 matches, the message analyzing unit 140 completes the deposit processing of the order corresponding to the matching deposit.

More specifically, it means that the deposit is completed in the order list of the seller of the corresponding order from the seller list of the storage unit 110.

In addition, the message analyzer 140 updates the second balance of the deposit completed to the second reference balance.

In the example above, “(KRW 20,000 deposit, balance: 1,020,000 won” is 102 million won, it means updating 102 million won (deposited) to the standard balance.

Therefore, the next time another customer purchases and deposits, if the message is "(approximately) 20,000 won deposit, balance: 1,040,000 won", 20,000 won will be deposited on the basis of 1020,000 won to be 104 million won.

In this case, if the result matched by the balance matching unit does not match, the message analyzer 140 processes the cases of deposits that do not match as pending cases.

For example, if you have a current account balance of $ 1 million and a standard balance of $ 1 million, and you receive a message from a financial institution as "(approximately) $ 20 deposit, your balance: $ 10,000," The amount of is empty, and it is set as pending because it cannot determine at this stage whether the messages received from the financial institutions are mixed or text messages from malicious attackers. In this case, the same applies to the withdrawal amount.

Whenever another message is added in chronological order to a message processed as a hold, the hold processing unit 140 deposits the accumulated hold if the base balance and the deposit amount of the accumulated hold match the maximum balance among the holds. Complete the process. In this case, if any one of the third balance, which is the largest balance among the added messages, or the fourth balance except for the withdrawal amount from the maximum balance, the deposit may be completed. Deposits pending and added messages can be stored in the transaction store.

Let's give an example with a standard balance of 1 million won.

When the message for the first deposit is received, “20,000 won deposit, balance: 102 million won” is a normal transaction, so the deposit is processed and the standard balance is updated to 102 million won.

As a message for the second deposit, when a "KRW 20,000 deposit, balance KRW 1,090,000" is received, the match is inconsistent, so it is classified as pending and from now on, all incoming messages are classified as pending and each time a pending transaction is added Attempt to process the hold.

As a message about the third deposit, if you receive the "30,000 won deposit, the balance of 1070,000 won", it is set as a pending case and attempted to process the pending case, but 1020,000 won + 20,000 won + 30,000 won is 1070,000 won, so it is less than 1.09 million won. It is still in an unprocessed state.

As a message about the 4th deposit, if you receive "20,000 won deposit, balance 104 million won", you will set it as a pending case and attempt to process the pending case, and 1020,000 won + 20,000 won + 30,000 won + 20,000 won will be 3.09 million won Among the pending cases, it matches the largest balance of 1.10 million won, so the accumulated three pending cases are processed.

In addition, the maximum balance (1,090,000 won) is updated to the reference balance.

At this time, the pending sort sorter 150 sorts the deposit order of one or more pending counts processed by the pending count processor 140 in the order of increasing the amount of the balance included in each pending count message.

In more detail, if you do not withdraw money from the seller's account separately, the size of the balance indicated in the message means the order in which the deposit is based on the above example. , Balance: 1020,000 won ", the second purchase is" 20,000 won, balance 1040,000 won ", the third purchase is" 30,000 won balance: 1070,000 won ", and the fourth purchase is" 20,000 won, balance: 109 In order of ten thousand won ".

In addition, when the pending event occurs and the pending event is not completed even after the preset time has elapsed, the pending event processing unit 140 may output a reference balance change message requesting a standard balance change.

If a hold occurs and it has not been resolved within the set time, the user is asked to correct the error because the hold is likely to be caused by a different problem than the order in which the messages sent by the financial institution were not mixed. Means that.

When the balance setting unit 110 receives the changed reference balance, the balance setting unit 110 sets the received amount as the reference balance.

In the present invention, when a message is divided into two or more from a financial institution, the divided message can be merged, and the message detector 160 and the message merger 170 for merging the divided messages are further included. May be included. Here, the split message detector 160 and the message merger 170 are preferably mounted in the analysis algorithm, and may be selectively performed by the analysis algorithm to verify the validity of the message. Hereinafter, the validation through the merging of the divided messages will be described in detail.

The split message detection unit 160 detects a message divided into at least two or more from a previously stored message style. In more detail, the message received from the financial institution may be detected in real time by splitting the message form into 1: 1 matching with the message form stored in the storage 110. In this case, in order to detect the divided message, it is preferable to compare the received message with a previously stored message form and determine whether the received message is the same as a part of the stored message form or whether the received message is the same as all of the stored message forms. Do. In this case, when all or a part of the received message format is not the same, the received message may be classified into a junk message or a wrong message and transmitted to the user or the server to notify the reception of the error message.

As described above, when the received message is compared to the stored message form, if the message is partly the same, the message is determined as the first fragment message. Detect. Therefore, at least two messages having the same part in the stored message style among the received messages are determined, so that the first split message and the second split message are determined, thereby detecting the split message.

The message merger 170 individually stores the fragmented messages detected by the message detector 160 and performs message merging. In detail, the detected fragment message is converted into the same message as a previously stored message form. In the present invention, merging two or more fragmented messages is performed by cross linking the last word and the first word between any one of the two or more divided messages and the remaining messages so as to correspond to a previously stored message form. At this time, each time the first word and the last word of each message is connected by comparing with the previously stored message form, it is possible to distinguish whether or not the same as the message form, so that each divided message alternately sequentially or in reverse order By linking together, it is possible to create a message that is finally connected, substantially the same as the message form.

As described above, when a message is divided into two or more messages from a financial institution and transmitted, it may be verified whether the message is valid in the process of merging the divided messages into one. Therefore, after merging the divided messages into one, the present invention can be applied to the deposit and withdrawal notification system using the balance information of the message. To this end, the message merger connects the divided messages to generate a merged message, and replaces the generated merged message with the divided messages.

As described above, the reason for the merging of messages divided into two or more is necessary. In the case of sending a message from a financial institution to a terminal, if the balance of the corresponding account is large, it is impossible to send a message according to a limited number of message bytes. This happens when the message is divided into two messages.

At this time, as several messages arrive at the same time, they are mixed, so the message merger 170 as described above merges the matching messages.

3 is a flowchart illustrating a method for automatically notifying deposit and withdrawal using balance information of a message according to an exemplary embodiment of the present invention.

Automatic deposit and withdrawal notification method using the balance information of the message of the present invention, the account information input from the seller, the amount of information to be deposited by the customer, the order information and analysis algorithm ordered by the customer is stored in the storage unit; and the balance setting unit Setting a first balance stored in the account information as a first reference balance; and a balance matching unit driven by the analysis algorithm and including the deposit and withdrawal amount and the second balance included in the message transmitted from the financial institution to the seller's terminal. Comparing the first reference balance to determine whether the message is matched; and if the message analyzing unit is driven by the analysis algorithm and the coin balance with the first balance is matched with the first reference balance, Deposit and process the message and the order information, and update the second balance included in the message to the second reference balance, If it does not match, the comparison chulgeumaek and the second balance and the balance of the first reference, the method for the non-matching deposit gun handle cases pending messages and the order information; And, each time a pending message processing unit adds another message in chronological order to the message processed as the pending message, the first reference balance, the amount of incoming and outgoing messages of the pending message, and the amount of incoming and outgoing messages of the added message are added and processed as a pending case. If the matched message or the added balance matches any of the third balance, which is the highest balance, or the fourth balance except the withdrawal amount, the deposit and the added messages are completed and the third balance or the first balance is matched. And updating any one of the four balances to the third reference balance.

Hereinafter, a detailed description will be given with reference to FIG. 3.

Set the current balance of the account as the reference balance. (Step S510)

The balance setting unit 110 sets the current balance of the merchant account as the reference balance.

Analyze the message. (Step S520)

The message analyzing unit 120 analyzes a message regarding the deposit and withdrawal of the account transmitted from the financial institution to the terminal.

Match the withdrawal amount and balance with the reference balance. (Step S530)

The balance matching unit determines whether the coincidence amount and the balance included in the message match with the reference balance.

In more detail, as described above, it means to compare the amount of the deposit and withdrawal with the reference balance to determine whether it matches the balance indicated in the message.

Here, it is divided into a match and a disagreement. If there is a match, the match is processed. (Step S540)

When the result of the matching in the balance matching unit is matched by the deposit management unit 130, the deposit processing of the orders corresponding to the matching deposits is completed.

In step S540, the balance of the deposits processed is updated to the reference balance. (Step S550)

Since the balance has been increased by depositing the amount of money purchased by the customer into the account of the seller, this means updating the corresponding amount to the reference balance.

Then, the process returns to step S520 for analyzing the message again.

And if there is a mismatch, the mismatch is withheld. (Step S570)

Preferably, those that are deposited from non-matching deposits are treated as pending.

Every time a hold is added, processing is attempted. (Step S580)

Each time a pending transaction is added, the balance of the accumulated balance is added to the base balance and the accumulated amount of pending transactions is summed up.

Update the base balance. (Step S590)

It means depositing the accumulated pending cases and updating the maximum balance among the pending cases to the standard balance.

Then, the process returns to step S520.

Those skilled in the art to which the present invention pertains above can understand that the present invention can be implemented in other specific forms without changing the technical spirit or essential features. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. The scope of the present invention is indicated by the scope of the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and the equivalent concept are included in the scope of the present invention. Should be interpreted.

100: automatic deposit notification server
110: storage unit
120: balance setting unit
130: balance matching unit
140: message analyzer
150: pending processing unit
160: split message detection unit
170: message merge unit

Claims (8)

A storage unit for storing account information input from the seller, amount information to be deposited by the customer, order information ordered by the customer, and an analysis algorithm;
A balance setting unit for setting a first balance stored in the account information as a first reference balance;
A balance matching unit which is driven by the analysis algorithm and compares the deposit and withdrawal amount and the second balance included in the message transmitted from the financial institution to the terminal of the seller with the first reference balance;
The analysis algorithm is operated to calculate the deposit amount and the second balance, compare the first reference balance, and match the message and order information corresponding to the matched deposit if the deposit is completed and the second included in the message. If the balance is updated to the second reference balance, but the coincidence amount and the second balance are calculated and matched with the first reference balance, the message corresponding to the mismatched deposit and the order information are processed as pending cases. part; And
Whenever another message is added in the chronological order to the message processed as the held case, the first reference balance, the amount of incoming and outgoing messages of the pending message, and the amount of added and outgoing messages of the added message are added together to process the pending or added message. If the third balance or the fourth balance except for the withdrawal amount is the same as the highest balance among the balances, the pending transaction and the added messages are completed, and the third balance or any of the fourth balances is matched. A pending processing unit for updating one to a third reference balance;
The storage unit further stores the message form of the financial institution,
The message analyzer detects an account number, a deposit and withdrawal amount, and a second balance by comparing a message received from a financial institution with the stored message form, and stores the first number, the second reference balance, and the third reference balance of the account number. If it matches one, it is determined to be a valid message,
When a message exceeding the number of bytes in the message format is divided into two or more messages and transmitted, the divided message is compared with the message format stored in the storage unit, and the received message is equal to or greater than a predetermined value of the stored message form. A split message detector for detecting a split message and detecting the split message as a junk message if the received message is less than a predetermined value of a stored message form;
The detected fragmented message is stored and the last word of any one of the messages divided into two or more corresponding to the previously stored message form is connected to the first word of the other one, and the connected message is compared with the previously stored message form. The message merging unit for generating a message of the same form as the message form as the final message; Automatic deposit and withdrawal notification system using balance information of message.
delete delete The method of claim 1,
The message merging unit connects the divided messages to generate a merged message, and replaces the merged message with the divided message.
Storing the account information input from the seller, the amount information to be deposited by the customer, the order information ordered by the customer, and an analysis algorithm;
Setting, by the balance setting unit, a first balance stored in the account information as a first reference balance;
A balance matching unit is driven by the analysis algorithm and calculates a deposit and withdrawal amount and a second balance included in a message transmitted from a financial institution to a seller's terminal to determine whether a balance is matched with the first reference balance;
When the message analysis unit is driven by the analysis algorithm and calculates the deposit amount and the second balance, compares the first reference balance with the first reference balance, and deposits the message and the order information corresponding to the matched deposit, and includes the message in the corresponding message. Update the second balance to the second reference balance, and if the deposit and withdrawal amount and the second balance do not match by comparing with the first reference balance, the message and the order information corresponding to the unsatisfactory deposit are processed as pending cases. step; And
Whenever a pending message processing unit adds another message in chronological order to the message processed as the pending message, the first standard balance, the amount of incoming and outgoing messages of the pending message, and the amount of incoming and outgoing messages of the added message are added to process the pending message. Or if the third balance, which is the highest balance among the added messages, or the fourth balance except the withdrawal amount from the maximum balance, matches the pending cases and the added messages, and completes the third balance or the fourth balance. Updating any one of the matched third reference balances;
Storing a message form of a financial institution in the storage unit;
The message analyzing unit compares the message received from the financial institution with the stored message form, detects an account number, a deposit and withdrawal amount, and a second balance, and stores a first reference balance, a second reference balance, and a third reference balance of the account number. Comparing to one and determining a valid message if it matches;
When a message that exceeds the number of bytes in the message format is divided into at least two messages and is transmitted, the split message detection unit compares the divided message with the message format stored in the storage unit to determine a predetermined value of the message format in which the received message is stored. Detecting the same as a split message when the same message is detected, and detecting a junk message when the received message is less than a predetermined value of the stored message form;
The message merging unit stores the detected fragmented message, concatenates the last word of any one of the two or more first words among the messages divided into two or more corresponding to the previously stored message form, and compares the connected message with the previously stored message form. And generating a message having the same form as a previously stored message form as a final message.
delete delete The method of claim 5,
The message merging unit connects the divided messages to generate a merged message and replaces the merged message with the divided message. The automatic deposit and withdrawal method using the balance information of the message further comprises.

Images