KR102395872B1 - Method of providing integrated management service for server thereof - Google Patents

Abstract

The present invention relates to a method for providing an integrated account management service and a server for performing the same, the method comprising calling a query API to a joint operation server connected to a plurality of bank servers to request a balance inquiry for an account of a first bank step; Receiving the balance inquiry result information for the account of the first bank provided from the server of the first bank from the joint operation server; comparing the account balance of the first bank with a reference amount; And when the account balance of the first bank corresponds to a preset condition, calling the transfer API to the joint operation server and processing so that the transfer between the account of the first bank and the account of the second bank is automatically executed.

Description

A method for providing an integrated account management service and a server for performing the same

The present invention relates to a method of providing a service for integrating and managing other bank accounts.

With the development of communication networks, financial institutions and fintech companies, including banks, securities companies, and credit card companies, are providing various online financial transaction services beyond the existing offline transactions.

By providing these services, customers can check balances, check transaction details, and transfer accounts without having to visit the bank or go to an ATM.

However, for online financial transaction services, each server must be individually accessed through a web page or application provided by the respective financial institution. There is an inconvenience of having to download and navigate to a web page.

Recently, in order to solve the inconvenience of the above online financial transaction service, multiple banks can be opened through a web or mobile app without having to open a single integrated financial service site and access the internet banking service site provided by each financial institution. A system to check the deposit and withdrawal details is provided.

The conventional account integration service as described above generally uses scraping technology to continuously access the Internet banking site at regular intervals to collect transaction information. In order to integrate and manage multiple accounts for a customer, it takes a lot of time to collect transaction information, and there is a problem in that the system load increases.

Prior Art Document 1. Korean Patent Registration No. 10-1532831 (Announcement on June 24, 2015)

An object of the present invention is to provide a method for providing an integrated account management service capable of improving the user's inconvenience and reducing the load on the system in integrated management of other bank accounts, and a server for performing the same.

The method for providing an integrated management service between accounts according to an embodiment of the present invention provides an integrated management service between accounts in a server capable of communicating with a user terminal, and a query API (Application Programming Interface) to a joint operation server connected to a plurality of bank servers calling to request a balance inquiry on the account of the first bank; receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank; comparing the account balance of the first bank with a reference amount; and when the comparison result shows that the account balance of the first bank corresponds to a preset condition, calling the transfer API to the joint operation server to automatically execute the transfer between the account of the first bank and the account of the second bank step; includes.

In addition, the server device for providing the integrated management service between accounts according to an embodiment of the present invention calls a query API to a joint operation server connected to a plurality of bank servers to request a balance inquiry on the account of the first bank and a communication unit for receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank; a balance checking unit that compares the account balance of the first bank with a reference amount and determines whether the account balance of the first bank meets a preset condition; and a transfer processing unit that, when the account balance of the first bank corresponds to the preset condition, calls a transfer API to the joint operation server to automatically execute the transfer between the account of the first bank and the account of the second bank includes ;

Meanwhile, the method of providing an integrated management service between accounts may be implemented as a computer-readable recording medium in which a program for execution by a computer is recorded, and may be provided as a program itself.

According to an embodiment of the present invention, the inquiry API is called to the joint operation server connected to a plurality of bank servers to request and confirm the balance inquiry on the account of a specific bank, and when a preset condition is met, the transfer API to the joint operation server By calling , so that the transfer between accounts at other banks is automatically executed, the convenience of financial transactions for users with accounts at multiple banks can be improved, and the load on the system that provides the integrated management service between accounts can be reduced.

1 is a block diagram showing an embodiment of the configuration of a system for providing an integrated account management service according to the present invention.
2 is a block diagram showing the configuration of a service providing server according to an embodiment of the present invention.
3 is a flowchart illustrating an embodiment of a method for providing an integrated account management service performed by a service providing server according to the present invention.
4 is a timing diagram for explaining a first embodiment of a method for providing an integrated account management service in the system according to the present invention.
5 is a table showing functions of APIs (Application Programming Interfaces) provided for the account integrated management service.
6 is a timing diagram for explaining a second embodiment of a method for providing an integrated account management service in the system according to the present invention.
7 is a timing diagram for explaining a third embodiment of a method for providing an integrated account management service in the system according to the present invention.
8 is a timing diagram for explaining a fourth embodiment of a method for providing an integrated account management service in the system according to the present invention.

Hereinafter, with reference to the accompanying drawings, a method for processing a partial payment using face recognition according to an embodiment of the present invention, and a server and a payment terminal device for performing the same will be described in detail.

In the following description of the present invention, if it is determined that a detailed description of a related well-known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. And the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the content throughout the present invention.

In addition, preferred embodiments of the present invention implemented below are already provided in each system function configuration in order to efficiently describe the technical components constituting the present invention, or system functions normally provided in the technical field to which the present invention belongs The configuration is omitted as much as possible, and the functional configuration to be additionally provided for the present invention will be mainly described.

If a person of ordinary skill in the art to which the present invention pertains, will be able to easily understand the functions of the components used in the prior art among the functional configurations omitted without being shown below, and the configuration omitted as described above Relationships between elements and components added for purposes of the present invention will also be clearly understood.

1 is a block diagram showing an embodiment of the configuration of a system for providing an integrated account management service according to the present invention. The illustrated system 10 includes a user terminal 100, a service providing server 200, and a joint operation server. (300) and a plurality of bank servers (400 to 420) may be configured to include.

Referring to FIG. 1 , a user terminal 100 is a terminal device possessed by a user who is provided with an integrated account management service according to the present invention, and includes a mobile phone, a smart phone, a laptop computer, and a desktop computer ( desktop computer) and tablet PC (tablet PC), but the present invention is not limited thereto, and in addition, various devices capable of user input and information display may be included.

The service providing server 200 is a server operated by a service provider that provides an integrated account management service according to the present invention, and may communicate with the user terminal 100 and the joint operation server 300 using a wired/wireless network.

The joint operation server 300 is a server that operates an open bank joint business system for providing an integrated account management service according to the present invention, and includes a service providing server 200 and a user terminal 100 and a plurality of bank servers 400 . to 420) and may communicate using a wired/wireless network.

Meanwhile, the plurality of bank servers 400 to 420 are servers operated by different banks, respectively, and each bank server may process financial transactions such as inquiry and transfer of accounts of the corresponding banks.

In the system 10 as shown in FIG. 1 , the service providing server 200 uses an API (Application Programming Interface) provided from an open bank joint business system without affiliation with individual banks to provide inquiry and transfer services for a bank account. can be provided to users.

An API is an operating system or program interface for programmers. It has a language or message format used when an application program communicates with a system program such as an operating system or database management system, and provides a connection to a specific subroutine for execution within the program. It can be implemented by calling a function that does

To that end, an API may have several program modules or routines that either already exist or must be linked to perform the tasks requested by the invocation of the function.

According to an embodiment of the present invention, the service providing server 200 calls the inquiry API to the joint operation server 300 connected to the plurality of bank servers 400 to 420 to request a balance inquiry for the account of a specific bank. After checking, when a preset condition is met, the transfer API is called to the joint operation server 300 so that the transfer between accounts of other banks is automatically executed, thereby improving the convenience of financial transactions for users with accounts of multiple banks. In addition, it is possible to reduce the load on the system that provides the integrated management service between accounts.

2 is a block diagram illustrating the configuration of a service providing server according to an embodiment of the present invention, and FIG. 3 is a flowchart illustrating an embodiment of a method for providing an integrated account management service performed in the service providing server according to the present invention. it will be shown

2 and 3 , the service providing server 200 may be configured to include a control unit 210 , a communication unit 220 , a balance check unit 230 , a transfer processing unit 240 , and a storage unit 250 . there is.

In order to perform the method of providing the integrated account management service in the service providing server 200, the communication unit 220 calls the inquiry API to the joint operation server 300 connected to the plurality of bank servers 400 to 420 to the first bank Requests a balance inquiry for the account of (step S300), and receives the balance inquiry result information for the account of the first bank provided from the server 400 of the first bank from the joint operation server 300 (step S310).

The inquiry API is an API that provides a function to inquire information about a specific account, for example, the account balance. results can be communicated.

After that, the balance check unit 230 checks the account balance of the first bank using the balance inquiry result information received through the communication unit 220 and compares it with a reference amount (step S320), and according to the comparison result, the first bank It is determined whether the account balance of ' does not correspond to a preset condition (step S330 ).

Here, whether the preset condition corresponds to the corresponding condition may be determined according to whether the account balance of the first bank is equal to or greater than a preset reference amount.

The transfer processing unit 240 automatically executes the transfer between the account of the first bank and the account of the second bank by calling the transfer API to the joint operation server 300 when the account balance of the first bank corresponds to a preset condition. It is processed so as to be possible (step S340).

The transfer API is an API that provides a function of transferring money from a specific account to another account. When the transfer API is called, the joint operation server 300 may request a withdrawal to the server of the withdrawal bank and transmit the response result of the transfer.

Meanwhile, the control unit 210 may serve to control the overall operation of the service providing server 200 as described above, and the storage unit 250 includes user identification information and user settings for providing an integrated account management service. Information, account information, bank information, and the like may be stored.

According to an embodiment of the present invention, in the step S340, when the account balance of the first bank is less than the first amount, the second amount equal to or greater than the difference between the account balance of the first bank and the first amount is the account of the second bank. can be processed to be transferred to the account of the first bank.

To this end, the service providing server 200 calls the inquiry API to the joint operation server 300 to request a balance inquiry on the account of the second bank, and the account of the second bank provided from the server 410 of the second bank. It is possible to receive the balance inquiry result information for the joint operation server (300).

In this case, the service providing server 200 calls the inquiry API to compare the inquired account balance of the second bank with the second amount, and whether it is possible to transfer the insufficient amount of the account balance of the first bank from the account of the second bank can be checked first.

After that, the service providing server 200 calls the transfer API to the joint operation server 300 to process the second amount to be transferred from the account of the second bank to the account of the first bank, and to the joint operation server 300 . The first amount can be withdrawn from the account of the first bank by calling the transfer API again.

Here, the first amount may be an amount requested to be transferred from the user terminal 100 or an amount scheduled to be paid according to a pre-registered automatic payment setting, but the present invention is not limited thereto.

Hereinafter, embodiments of a method for providing an integrated account management service according to the present invention will be described in more detail with reference to FIGS. 4 to 6 .

4 is a timing diagram for explaining a first embodiment of a method for providing an integrated account management service in the system according to the present invention. Descriptions will be omitted below.

Referring to FIG. 4 , the user terminal 100 requests the service providing server 200 to transfer the first amount of money (step S400 ).

To this end, the user executes the account integrated management service application installed in the user terminal 100 or accesses the account integrated management service website through a web browser, and then the application or the withdrawal account on the website; You can select and input the deposit account and transfer amount.

Here, the withdrawal account may be automatically designated as an account pre-registered as a representative account among user-owned accounts registered in the account integrated management service without being selected or input by the user.

The service providing server 200 calls the balance inquiry API to the joint operation server 300 to inquire the balance information on the account of the first bank selected as the withdrawal account (step S401).

Referring to FIG. 5 , APIs provided for the integrated account management service may be broadly classified into an inquiry API and a transfer API.

On the other hand, the inquiry API is a balance inquiry API, which provides a function for a user to inquire the balance and withdrawable amount of his/her account through the service provided by the user institution, and A transaction history inquiry API that provides a function to inquire the balance and transaction history, an account real name inquiry API that provides a function of real-time inquiry of the normal status and real name of a user's account to which a user is to receive funds or a user who has applied for a withdrawal transfer; It may include a remitter information inquiry API, which provides a function of inquiring in real time whether the user's account for which the user organization has applied for withdrawal and transfer of funds is normal.

In addition, the transfer API includes a withdrawal and transfer API that provides a function of withdrawing funds from the payment account of the user organization and depositing the funds to the beneficiary account in real time, and withdrawing funds from the user account that has agreed to the withdrawal of the user organization in real time to the receiving account of the user organization. It may include a deposit transfer API that provides a function to deposit money.

The joint operation server 300 that has been called the balance inquiry API requests a balance inquiry for the corresponding account to the first bank server 400 using the first bank account information transmitted from the service providing server 200 (S402) step), receives the inquiry response from the first bank server 400 (step S403), and responds to the service providing server 200 with the result of the balance inquiry on the account of the first bank (step S404).

The service providing server 200 checks whether the account balance of the first bank is equal to or greater than the first amount requested to be transferred in step S400 according to the inquiry result received in step S404, and the balance of the account of the first bank selected as the withdrawal account is insufficient. It is determined whether or not (step S405).

If, as the account balance of the first bank is less than the first amount requested to be transferred, and it is determined that the balance is insufficient, the service providing server 200 provides for the account of the second bank, which is another account registered in the account integration management service. The balance inquiry API is called to the joint operation server 300 to inquire the balance information (step S406).

The joint operation server 300 that has received the balance inquiry API calls the second bank server 410 using the second bank account information transmitted from the service providing server 200 to request a balance inquiry for the account (S407) step), receives the inquiry response from the second bank server 410 (step S408), and responds to the service providing server 200 the result of the balance inquiry on the account of the second bank (step S409).

The service providing server 200 checks whether the account balance of the second bank is equal to or greater than the second amount insufficient in the first bank account for the first money transfer according to the inquiry result received in step S409, 1 It is determined whether or not to replenish the balance in the bank account (step S410).

If the account balance of the second bank is equal to or greater than the second amount that needs to be refilled, and it is determined that replenishment of the balance of the account of the first bank is possible, the service providing server 200 withdraws the second amount from the account of the second bank To do this, the withdrawal and transfer API is called to the joint operation server 300 (step S411).

The joint operation server 300 that has received the call of the withdrawal and transfer API requests the second bank server 410 to withdraw the second amount from the account of the second bank (step S412), and withdraws from the second bank server 410 Upon receiving the response (step S413), it responds to the result of the withdrawal and transfer from the account of the second bank to the service providing server 200 (step S414).

The transfer of the second amount of money from the account of the second bank to the account of the third bank may be automatically executed by the call of the withdrawal and transfer API of the service providing server 200 as described above.

In this case, the third bank server 415 may return a deposit response for the second amount to the joint operation server 300 after receiving a deposit request for the second amount from the joint operation server 300 .

Here, the account of the third bank may be an account designated in advance to use the inter-account integrated management service, for example, a payment account associated with the inter-account integrated management service provider.

After that, the service providing server 200 calls the deposit transfer API to the joint operation server 300 to deposit the second amount into the account of the first bank (step S415).

The joint operation server 300 that has received the call of the deposit and transfer API requests the third bank server 415 to withdraw the second amount to the account of the first bank (step S416), and withdraws it from the third bank server 415 Upon receiving the response (step S417), it responds to the result of the transfer from the account of the third bank to the account of the first bank to the service providing server 200 (step S418).

The transfer of the second amount of money from the account of the third bank to the account of the first bank may be automatically executed by the call of the deposit and transfer API of the service providing server 200 as described above.

In this case, the first bank server 400 may receive a deposit request for the second amount from the joint operation server 300 , and then reply a deposit response for the second amount to the joint operation server 300 .

Then, the service providing server 200 calls the withdrawal and transfer API to the joint operation server 300 to withdraw the first amount requested by the user from the account of the first bank (step S419).

By calling the withdrawal and transfer API of the service providing server 200 as described above, the first amount of money may be transferred from the account of the first bank to the deposit account designated by the user.

6 is a timing diagram for explaining a second embodiment of a method for providing an integrated account management service in the system according to the present invention. Descriptions will be omitted below.

Referring to FIG. 6 , the service providing server 200 checks the automatic payment setting previously registered by the user (step S600 ).

For example, after the user executes the account integrated management service application installed in the user terminal 100 or accesses the account integrated management service website through a web browser, the information to be transferred on the application or website at regular intervals (card You can set up automatic payment for bills, apartment management fees, monthly rent, membership fees, etc.) and register in advance.

In this case, the service providing server 200 may check the payment scheduled amount before a predetermined time (eg, one day before) from the payment date according to the pre-registered automatic payment setting.

Here, the expected payment amount may be directly input by the user in the user terminal 100, automatically collected from the website of the institution using web scraping, or read from a bill received by mail or mail, etc. method can be identified.

When the payment due amount is confirmed, the service providing server 200 calls the balance inquiry API to the joint operation server 300 to inquire the balance information on the account of the first bank registered as the automatic payment account (step S601) .

The joint operation server 300 that has received the balance inquiry API calls the first bank server 400 using the first bank account information transmitted from the service providing server 200 to request a balance inquiry for the account (S602). step), receives an inquiry response from the first bank server 400 (step S603), and responds to the service providing server 200 with a result of the balance inquiry on the account of the first bank (step S604).

The service providing server 200 checks whether the account balance of the first bank is equal to or greater than the first amount due to be paid according to the inquiry result received in step S604, and the balance of the account of the first bank registered as the automatic payment account is insufficient. It is determined whether or not (step S605).

If, as the account balance of the first bank is less than the first amount to be automatically paid, and it is determined that the balance is insufficient, the service providing server 200 provides for the account of the second bank, which is another account registered in the account integration management service. The balance inquiry API is called to the joint operation server 300 to inquire the balance information (step S606).

The joint operation server 300 that has been called the balance inquiry API requests a balance inquiry for the account to the second bank server 410 using the second bank account information transmitted from the service providing server 200 (S607) step), receives the inquiry response from the second bank server 410 (step S608), and responds to the service providing server 200 the result of the balance inquiry on the account of the second bank (step S609).

The service providing server 200 checks whether the account balance of the second bank is equal to or greater than the second amount insufficient in the first bank account for automatic payment according to the inquiry result received in step S609, It is determined whether or not to replenish the balance to the account of (step S610).

If the account balance of the second bank is equal to or greater than the second amount that needs to be refilled, and it is determined that replenishment of the balance of the account of the first bank is possible, the service providing server 200 withdraws the second amount from the account of the second bank To do this, the withdrawal and transfer API is called to the joint operation server 300 (step S611).

The joint operation server 300 that has received the call of the withdrawal and transfer API requests the second bank server 410 to withdraw the second amount from the account of the second bank (step S612), and withdraws from the second bank server 410 Upon receiving the response (step S613), the service providing server 200 responds to the result of the withdrawal and transfer from the account of the second bank (step S614).

The transfer of the second amount of money from the account of the second bank to the account of the third bank may be automatically executed by the call of the withdrawal and transfer API of the service providing server 200 as described above.

Thereafter, the service providing server 200 calls the deposit transfer API to the joint operation server 300 to deposit the second amount into the account of the first bank (step S615).

The joint operation server 300 that has been called the deposit and transfer API requests the third bank server 415 to withdraw the second amount to the account of the first bank (step S616), and withdraws from the third bank server 415 Upon receiving the response (step S617), it responds to the result of the transfer from the account of the third bank to the account of the first bank to the service providing server 200 (step S618).

The transfer of the second amount of money from the account of the third bank to the account of the first bank may be automatically executed by the call of the deposit and transfer API of the service providing server 200 as described above.

Next, the service providing server 200 calls the withdrawal and transfer API to the joint operation server 300 to withdraw the first amount to be automatically paid from the account of the first bank (step S419).

By calling the withdrawal and transfer API of the service providing server 200 as described above, the first amount of money may be transferred from the account of the first bank to the automatic payment receiving account.

According to another embodiment of the present invention, in step S340 shown in FIG. 3 , when the account balance of the first bank is equal to or greater than the third amount, the fourth amount equal to or less than the difference between the account balance of the first bank and the third amount is It may be processed to be transferred from the account of the first bank to the account of the second bank.

In addition, if the account balance of the first bank is less than the fifth amount, a sixth amount equal to or greater than the difference between the account balance of the first bank and the fifth amount may be transferred from the account of the second bank to the account of the first bank. there is.

Here, at least one of the third amount and the fifth amount may be set by a user or based on an expected withdrawal amount to be transferred from the account of the first bank for a predetermined period thereafter.

On the other hand, the account of the first bank may be a deposit and withdrawal account, and the account of the second bank may be a loan account. Accordingly, the amount to be spent in the future is maintained as a balance in the deposit and withdrawal account, and the remaining excess balance is transferred to the loan account. You can achieve the effect of reducing loan interest by allowing automatic debit processing.

Hereinafter, with reference to FIGS. 7 and 8, another embodiment of a method for providing an integrated account management service according to the present invention will be described in more detail.

7 is a timing diagram for explaining a third embodiment of a method for providing an integrated account management service in the system according to the present invention. Descriptions will be omitted below.

Referring to FIG. 7 , the service providing server 200 calls the balance inquiry API to the joint operation server 300 to inquire the balance information on the account of the first bank, which is a pre-registered deposit and withdrawal account (step S700).

For example, the service providing server 200 may check the account balance of the first bank by calling the balance inquiry API at a preset period.

The joint operation server 300 that has been called the balance inquiry API requests a balance inquiry for the account to the first bank server 400 using the first bank account information transmitted from the service providing server 200 (S701) step), receives an inquiry response from the first bank server 400 (step S702), and responds to the service providing server 200 with a result of the balance inquiry on the account of the first bank (step S703).

The service providing server 200 determines whether the account balance of the first bank exceeds the third amount, which is the upper limit, according to the inquiry result received in step S604, and determines whether the balance of the account of the first bank, which is the deposit and withdrawal passbook, is exceeded. do (step S704).

If, as the account balance of the first bank is equal to or greater than the third amount, and it is determined that the balance of the deposit and withdrawal passbook is exceeded, the service providing server 200 provides a fourth amount corresponding to the difference between the account balance of the first bank and the third amount may be determined to be automatically transferred to the account of the second bank, which is a loan passbook (eg, a negative passbook) that can be deposited and withdrawn at any time registered in the account integrated management service.

Accordingly, the service providing server 200 calls the withdrawal and transfer API to the joint operation server 300 to request the withdrawal of the fourth amount from the account of the first bank (step S705).

The joint operation server 300 that has received the call of the withdrawal and transfer API requests the first bank server 400 to withdraw the fourth amount from the account of the first bank (step S706), and withdraws the money from the first bank server 400 Upon receiving the response (step S707), it responds to the service providing server 200 with the result of the withdrawal and transfer from the account of the first bank (step S708).

By calling the withdrawal and transfer API of the service providing server 200 as described above, the transfer of the fourth amount from the account of the first bank to the account of the third bank may be automatically executed.

After that, the service providing server 200 calls the deposit transfer API to the joint operation server 300 to deposit the fourth amount into the account of the second bank (step S709).

The joint operation server 300 that has received the call of the deposit and transfer API requests the third bank server 415 to withdraw the fourth amount to the account of the second bank (step S710), and withdraws from the third bank server 415 Upon receiving the response (step S711), the service providing server 200 responds to the result of the transfer from the account of the third bank to the account of the second bank (step S712).

The transfer of the fourth amount from the account of the third bank to the account of the second bank may be automatically executed by the call of the deposit and transfer API of the service providing server 200 as described above.

8 is a timing diagram for explaining a fourth embodiment of a method for providing an integrated account management service in the system according to the present invention. Descriptions will be omitted below.

Referring to FIG. 8 , the service providing server 200 calls the balance inquiry API to the joint operation server 300 to inquire the balance information on the account of the first bank, which is a pre-registered deposit and withdrawal account (step S800).

The joint operation server 300 that has been called the balance inquiry API requests a balance inquiry for the corresponding account to the first bank server 400 using the first bank account information transmitted from the service providing server 200 (S801). step), receives the inquiry response from the first bank server 400 (step S802), and responds to the service providing server 200 with the result of the balance inquiry on the account of the first bank (step S803).

The service providing server 200 determines whether the account balance of the first bank is less than the fifth amount, which is the lower limit, according to the inquiry result received in step S604, and determines whether the account balance for the account of the first bank, which is the deposit and withdrawal passbook, is insufficient. do (step S804).

If, as the account balance of the first bank is less than the fifth amount, and it is determined that the balance of the deposit and withdrawal passbook is insufficient, the service providing server 200 provides a sixth amount corresponding to the difference between the account balance of the first bank and the fifth amount may determine to process automatic deposit from the account of the second bank, which is a loan passbook (eg, negative passbook) that can be deposited and withdrawn at any time registered in the account integrated management service.

Accordingly, the service providing server 200 calls the withdrawal and transfer API to the joint operation server 300 to request the withdrawal of the sixth amount from the account of the second bank (step S805).

The joint operation server 300 that has received the call of the withdrawal and transfer API requests the second bank server 410 to withdraw the sixth amount from the account of the second bank (step S806), and withdraws from the second bank server 410 Upon receiving the response (step S807), the service providing server 200 responds to the result of the withdrawal and transfer from the account of the second bank (step S808).

The transfer of the sixth amount from the account of the second bank to the account of the third bank may be automatically executed by the call of the withdrawal and transfer API of the service providing server 200 as described above.

After that, the service providing server 200 calls the deposit transfer API to the joint operation server 300 to deposit the sixth amount into the account of the first bank (step S809).

The joint operation server 300 that has received the call of the deposit and transfer API requests the third bank server 415 to withdraw the sixth amount to the account of the first bank (step S810), and withdraws it from the third bank server 415 Upon receiving the response (step S811), the result of the transfer from the account of the third bank to the account of the first bank is returned to the service providing server 200 (step S812).

By the call of the deposit and transfer API of the service providing server 200 as described above, the transfer of the sixth amount from the account of the third bank to the account of the first bank may be automatically executed.

The above-described methods according to an embodiment of the present invention may be produced as a program to be executed in a computer. In addition, the program may be stored in a computer-readable recording medium, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like.

The computer-readable recording medium is distributed in a network-connected computer system, so that the computer-readable code can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention pertains.

In addition, although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the claims In addition, various modifications may be made by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (17)

A method for providing an integrated management service between accounts in a server capable of communicating with a user terminal,
It is a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers. Interface) to request a balance inquiry on the account of the first bank;
receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
comparing the account balance of the first bank with a reference amount; and
As a result of the comparison, when the account balance of the first bank meets a preset condition, the transfer API of the integrated account management service is called to the joint operation server to transfer between the account of the first bank and the account of the second bank. Including; processing to be automatically executed;
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
The processing step is
so that when the account balance of the first bank is less than the first amount, a second amount equal to or greater than the difference between the account balance of the first bank and the first amount is transferred from the account of the second bank to the account of the first bank; comprising the steps of processing
How to provide integrated management service between accounts. delete According to claim 1,
requesting a balance inquiry on the account of the second bank by calling the inquiry API to the joint operation server;
receiving, from the joint operation server, balance inquiry result information for the account of the second bank provided from the server of the second bank; and
Comparing the account balance of the second bank with the second amount; the method of providing an integrated management service between accounts further comprising. According to claim 1,
The method of providing an integrated management service between accounts further comprising: calling a transfer API to the joint operation server to process the withdrawal of the first amount from the account of the first bank. The method of claim 1, wherein the first amount is
A method of providing an integrated management service between accounts that is the amount requested to be transferred from the user terminal. The method of claim 1, wherein the first amount is
A method of providing an integrated management service between accounts, which is the amount to be paid according to the pre-registered automatic payment setting. The method of claim 1, wherein the transfer API is
It provides a withdrawal and transfer API that provides a function of withdrawing funds from the payment account of the user institution and depositing it to the beneficiary account in real time, and a function of withdrawing funds from the user account that has agreed to the withdrawal of the user institution and depositing funds to the receiving account of the user institution in real time. Includes deposit and transfer API,
The step of processing so that the transfer between the account of the first bank and the account of the second bank is automatically executed,
calling the withdrawal and transfer API to the joint operation server to request a withdrawal from the account of the second bank to a third account; and
and calling the deposit and transfer API to the joint operation server to request a deposit from the third account to the account of the first bank. A method for providing an integrated management service between accounts in a server capable of communicating with a user terminal,
It is a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers. Interface) to request a balance inquiry on the account of the first bank;
receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
comparing the account balance of the first bank with a reference amount; and
As a result of the comparison, when the account balance of the first bank meets a preset condition, the transfer API of the integrated account management service is called to the joint operation server to transfer between the account of the first bank and the account of the second bank. Including; processing to be automatically executed;
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
The processing step is
When the account balance of the first bank is equal to or greater than the third amount, a fourth amount equal to or less than the difference between the account balance of the first bank and the third amount is transferred from the account of the first bank to the account of the second bank; How to provide integrated management services between the accounts you process. A method for providing an integrated management service between accounts in a server capable of communicating with a user terminal,
It is a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers. Interface) to request a balance inquiry on the account of the first bank;
receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
comparing the account balance of the first bank with a reference amount; and
As a result of the comparison, when the account balance of the first bank meets a preset condition, the transfer API of the integrated account management service is called to the joint operation server to transfer between the account of the first bank and the account of the second bank. Including; processing to be automatically executed;
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
The processing step is
so that when the account balance of the first bank is less than the fifth amount, a sixth amount equal to or greater than the difference between the account balance of the first bank and the fifth amount is transferred from the account of the second bank to the account of the first bank; How to provide integrated management services between the accounts you process. 10. The method of claim 9,
The fifth amount is
A method of providing an integrated management service between accounts, which is set by a user or is set based on the expected withdrawal amount to be transferred from the account of the first bank for a certain period of time thereafter. 10. The method of any one of claims 8 and 9,
The first bank account is a deposit and withdrawal passbook account, and the second bank account is a loan passbook account. A server device for providing an integrated management service between accounts,
By calling the inquiry API of the integrated account management service to a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers a communication unit for requesting a balance inquiry for an account of a first bank, and receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
a balance checking unit that compares the account balance of the first bank with a reference amount and determines whether the account balance of the first bank meets a preset condition; and
When the account balance of the first bank meets the preset condition, the transfer API of the integrated account management service is called to the joint operation server to automatically transfer the account between the first bank account and the second bank account. Including; a transfer processing unit that processes to be
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
The transfer processing unit
so that when the account balance of the first bank is less than the first amount, a second amount equal to or greater than the difference between the account balance of the first bank and the first amount is transferred from the account of the second bank to the account of the first bank; After processing,
Calling the transfer API to the joint operation server to process the withdrawal of the first amount from the account of the first bank
server device. delete 13. The method of claim 12, wherein the first amount is
A server device that is the amount requested to be transferred from the user terminal or the amount to be paid according to the pre-registered automatic payment setting. A server device for providing an integrated management service between accounts,
By calling the inquiry API of the integrated account management service to a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers a communication unit for requesting a balance inquiry for an account of a first bank, and receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
a balance checking unit that compares the account balance of the first bank with a reference amount and determines whether the account balance of the first bank meets a preset condition; and
When the account balance of the first bank meets the preset condition, the transfer API of the integrated account management service is called to the joint operation server to automatically transfer the account between the first bank account and the second bank account. Including; a transfer processing unit that processes to be
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
The transfer processing unit
When the account balance of the first bank is equal to or greater than the third amount, a fourth amount equal to or less than the difference between the account balance of the first bank and the third amount is transferred from the account of the first bank to the account of the second bank; The server device that handles it. A server device for providing an integrated management service between accounts,
By calling the inquiry API of the integrated account management service to a joint operation server that operates in different banks and is connected to a plurality of bank servers that process each financial transaction, and provides an integrated account management service of the plurality of bank servers a communication unit for requesting a balance inquiry for an account of a first bank, and receiving, from the joint operation server, balance inquiry result information for the account of the first bank provided from the server of the first bank;
a balance checking unit that compares the account balance of the first bank with a reference amount and determines whether the account balance of the first bank meets a preset condition; and
When the account balance of the first bank meets the preset condition, the transfer API of the integrated account management service is called to the joint operation server to automatically transfer the account between the first bank account and the second bank account. Including; a transfer processing unit that processes to be
The inquiry API or the transfer API is an API that requests inquiry or transfer from the joint operation server system to one or more bank servers among the plurality of bank servers, and outputs the inquiry or transfer result received as a call response,
When the account balance of the first bank is less than the fifth amount, a sixth amount equal to or greater than the difference between the account balance of the first bank and the fifth amount is transferred from the account of the second bank to the account of the first bank A server device that handles as much as possible. 17. The method of any one of claims 15 or 16,
The first bank account is a deposit and withdrawal passbook account, and the second bank account is a loan passbook account.

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