KR20000024646A - Method of managing for virtual accounting system - Google Patents

Abstract

PURPOSE: A virtual account is provided to realize an automatic banking system so that clients use banking services offered from not only their own bank, but also the alliances of the bank. CONSTITUTION: An operating server for a virtual account is connected with the connecting servers of alliances, the hosts of alliances, the connecting servers of external agencies, and banks. First of all, alliances apply to open a virtual account after opening an account in a bank(S100), and then the bank do business(S120) after the registration of the virtual account(S110). The alliances give a client accounting number and store the information at host computers(S140) in the case the client applies to keep relation with the alliances(130). Client does his jobs for virtual account(S150) in a bank, and unless clients have a transaction with the bank with which the client has dealing, the bank notices the Financial Agency the information(162) and the contents is send to the virtual account(S170) after approval from the financial agency(S164). Operating server of the virtual account checks the information from the bank(S180) and the operating server sends the information to the server at alliances(S190) so that the client do the contraction(S200).

Description

How to manage your virtual account system {METHOD OF MANAGING FOR VIRTUAL ACCOUNTING SYSTEM}

The present invention allows a large number of virtual accounts to be opened in accordance with the needs of an affiliated institution, rather than an existing bank sales center-centered account. A virtual account is assigned to a customer of an affiliated institution, which is used as an identification number of each customer. It is related to the virtual account service to increase the work efficiency of affiliated institutions by assigning unique account numbers that can be deposited from any bank, which is the same as the main bank account for each customer who wants financial services such as deposit and withdrawal of various payments.

In general, the virtual account service includes a window of the main bank or another bank, a window of the main bank or another bank, PC banking, Internet banking, phone banking, ATM, etc., when the customer deposits (account transfers) into the virtual account. Deposit management-type virtual account service and various customers of the main bank that are used by businesses that need to receive various payments. If a customer requests cash withdrawal (account transfer) using a partner cash card at a main bank or another bank's ATM used by a card issuer, the bank will request a withdrawal request from the customer's account of the partner institution from the main bank. Withdrawal management in the form of withdrawal and payment of funds from the affiliated institution's mother account after receiving the notification of completion of withdrawal from the institution Bank account, PC banking, Internet banking using a virtual account number or a partner's cash card, using the virtual account assigned to the customer of the affiliated institution, which is mainly used by businesses that require various information Affiliates provide customers with the necessary information through the channels such as banks, phone banking, ATMs, etc., or provide the information in real time when the customers of the affiliates request the necessary information through the bank's channel through the opposite path. There is an informational virtual account service.

Recently, due to the development of information and communication means, various financial transaction systems using the Internet have been introduced and actively developed. As the situation develops day by day, many Internet financial business models are appearing, and the system using virtual accounts is also increasing. There is a situation.

As is well known to those skilled in the art, a general internet financial transaction system requires the customer to access the relevant site through a computer screen and check the bank, payment account, orderer, deposit date, etc. on the basis of the required financial services. There is a problem that the account must be used one by one.

For example, when a mobile phone user delinquents due to non-payment of the use price, he / she deposits the overdue payment through the internet financial transaction system and requests the cancellation of the use of the mobile phone. This will cause inconvenience due to use, and as a manager, there is a problem that the work load becomes heavy due to frequent requests due to the opening request.

In addition, there is a virtual account system in use through a business alliance between Hanmi Bank and Samsung Securities Co., Ltd. There is no separate bank account and there is a problem that cannot be withdrawn. In contrast, there is a CMS method. In this way, the customer has the inconvenience of using only a specific bank, and the bank has a lot of problems with the input contents.

In the case of fund collection services, such as remittances of university tuition fees by domestic banks or remittances of insurance premiums for insurance companies, small and large numbers are collected from a large number of subscribers for single-account accounts for university tuition fees and insurance companies' remittances. In the case of a company that needs to receive the funds, it is necessary to enter into a fund collection contract with the bank in advance in order to accurately match the deposit details of the mother account with the subscriber, and additional information negotiated separately from the general account deposit, namely the student's student ID In the case of the bank, the fund collection service is the general account deposit service and the subscriber of the parent account holder in the case of using the information transmitted daily from the bank side in accordance with the protocol for the input of codes, etc. and the EDI protocol for the transmission of the corresponding transaction information. The transaction is necessary due to the nature of the business There is a problem of avoiding the fund-collecting work due to the complexity of having to make a separate transaction for a long time, the processing time of the longer teller, and the difficulty of processing through various channels outside the window. Not only is there a fee burden, but for the convenience of customers, there is a problem of having to enter into a banking contract with many banks.

Currently, it is difficult to assign a separate code for each subscriber. Most shopping mall companies open a mother account at a few main banks without entering into a fund collection business. When customers make deposits through counters and phone banking, they check the order details and the deposit details. However, there is still a problem such as customer complaints caused by missing orders or payment details of the same name, and the order is not finalized. .

Although many efforts have been made to improve these problems, there are still problems to be solved.

The present invention has been made to solve the problems of the conventional method as described above, the main object of the present invention is to interconnect the computer equipment of the partner institution and the computer equipment of the bank by communication and using the virtual account of the financial institution of the partner It is to increase the work efficiency by enabling the construction of the linked work automation system.

Another object of the present invention is to support a part of the banking business in the partner institution, issuing a partner cash card based on the virtual account, the window of the main bank or other banks, PC banking, Internet banking, phone banking, ATM Part of the flag is to make it available as a terminal or channel of an affiliated organization.

Another object of the present invention is that alliance agencies and affiliated customers can use all the banks and automated devices, phone banking, Internet banking, so that there is no burden of the network configuration and maintenance costs of the affiliated organizations alone, unlike the current method It is possible to handle financial institution-related business without multiple contracts for each bank, and customers of partner institutions can use it without restriction of trading banks.

Still another object of the present invention is to improve the effectiveness of customer service by providing a deposit and withdrawal service using a partner bank's system and a foreign exchange and CD joint network.

Still another object of the present invention is to enable automated sales confirmation and automatic ordering system operation in case of a telesales company to automate all the processes of various payments.

1 is an overall block diagram of a system in which the present invention is performed,

2 is a flowchart illustrating the performance of the present invention.

<Explanation of symbols for main parts of the drawings>

100. Host bank host (parent account) 110. Virtual account management server

120. Bank of Transactions 130. Financial Transactions Network

200. Affiliate institution host (customer information) 210. Affiliate institution access server

220. Partnership agency server 300. External organization access server

400. Affiliate Customer S100. Virtual Account Application

S130. Customer Transaction Application S140. Register customer account number

S170. Notice of Customer's Work S180. Check whether registration contents match

S190. Notification of business connection S210. Customer-related business start

BRIEF DESCRIPTION OF THE DRAWINGS The present invention will be more apparent from the following detailed description based on the accompanying drawings in order to achieve the above object.

In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, and may be changed according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the specification.

The entire system in which the virtual account system management method of the present invention is operated, as shown in FIG. 1, manages and operates a virtual account under the trading bank host computer 100 that manages the mother account of the bank. Server 110 is located. The virtual account operation server 110 may be able to deliver the virtual account information through communication with the affiliated organization access server 210.

In addition, an affiliated institution affiliated with a bank includes an affiliated institution host computer 200 for storing customer information, the affiliated institution access server 210 for transmitting and receiving account information with the virtual account operation server 110, and the affiliated institution host. The affiliated agency work server configured to perform business with the customer is processed by the computer 200 and the affiliated agency access server 210.

In addition, the financial transaction communication network 130 for transferring the accounting business to the bank for direct accounting of the affiliated customer 400 and processing it to deliver the contents to the virtual account management server 110 or the financial settlement agency 310 It is preferable that an external institution access server 300 is configured to transfer a customer's account work to the virtual account operation server 110 according to whether the transaction bank 120 and the financial settlement agency 310 including the other line are settled. .

Next, a method of managing a virtual account system will be described with reference to FIG. 2. In a method of managing a plurality of virtual accounts in a bank, an access server of an affiliated institution affiliated with a payment bank is virtually connected to a host computer of a payment bank. The virtual account application step (S100) of applying for an account is performed.

Thereafter, the host computer of the payment bank, which received the account application, performs a virtual account registration step S110 of registering the virtual account with the bank's host computer.

Since the virtual account registration using the virtual account operating server to perform a virtual account registration notification step (S120) to notify the access server of the affiliated organization.

After that, the partner institution performs a customer transaction application step (S130) for requesting a transaction.

Thereafter, the partner server performs a customer account number registration step (S140) of notifying and storing the customer's unique account number to the customer.

After that, the customer performs an accounting step (S150) of performing an accounting in the bank using his own unique account number. At this time, the step of performing the accounting operation (S150), in one embodiment, checks whether the accounting work performed by the customer is performed at the partner bank of the affiliated institution, and if the accounting operation is performed at the bank of the transaction, performs the task content transmission step (S170), and If it is not the bank after performing the step (S162) to inform the content of the other work, after performing the payment step (S164) of the KFTC, it is preferable to perform the business content transmission step (S170) sequentially.

Thereafter, the customer service contents notification step (S170) of transferring the account work performed by the customer to the virtual account operation server from the transaction bank is performed. At this time, the customer service content notification step (S170) is an example of confirming whether or not the registration content match to confirm whether the work performed by the customer is the task specified by the partner organization's work server (S180), if the business content is matched business It is preferable to perform the notification step (S190), and to perform the step (S182) for notifying the occurrence of an error if the business content does not match, and ends.

Thereafter, the business connection office notification step (S190) of transmitting the account work performance of the customer to the access server of the affiliated agency is performed.

Thereafter, the delivered work content is delivered to the affiliated agency work server (S200), and the work start step (S210) of starting the work of the affiliated agency related to the customer is sequentially performed.

At this time, the execution of each step is an embodiment, it is preferable to transfer the execution step and the processing contents from the affiliated organization access server to the partner institution access server from the virtual account operation server.

Referring to Figure 2 of the accompanying drawings, the implementation process of the present invention configured as described above is as follows.

First, the institution affiliated with the bank will open a mother account and apply for a virtual account in accordance with the necessity of the business.

After the virtual account is registered in the bank (S110), it is notified (S120), the business is started.

When the customer applies for a transaction with an affiliated agency (S130), the affiliated agency assigns an registered account number to the customer and stores it in the affiliated agency host computer (S140).

The customer who has been assigned an account number performs accounting in the bank (S150), and checks whether the bank in which the customer performs the accounting is a bank having a mother account of an affiliated institution (S160). The contents of the work are delivered to the virtual account management server. (S170) If the bank is not a bank, the other bank notifies this to the financial settlement agency (S162), and after the settlement of the financial settlement agency is approved (S164), the contents are transmitted to the virtual account management server. (S170)

The virtual account operation server checks whether the work performed by the customer is consistent with the work performed through the access server of the affiliated organization (S180), and if it matches, transmits the fact of the conclusion of the work to the affiliated organization access server (S190). The affiliated agency access server receives it (S200) and delivers it to the affiliated agency business server to perform the contract contents concluded with the customer.

The present invention can be variously modified and can take various forms and only the specific embodiments thereof are described in the detailed description of the invention. It is to be understood, however, that the present invention is not limited to the specific forms referred to in the description, but rather includes all modifications, equivalents, and substitutions within the spirit and scope of the invention as defined by the appended claims. Should be.

According to the present invention, it is possible to interconnect the computing equipment of the partner institution and the computer equipment of the bank by communication and to increase the work efficiency by enabling a financial linked business automation system of the partner organization using a virtual account, It supports to perform a part of the banking business and issuing a partner cash card based on a virtual account to transfer the bank, PC banking, Internet banking, phone banking, and ATM parts of the main bank or other banks to It can be used like a channel and enables affiliates and affiliated customers to use all bank windows, automated devices, phone banking, and internet banking. Unlike the method, it is possible to deal with financial institution-related business without multiple contracts for each bank. Customers can use this service without restriction from the bank, and the partner institution provides the deposit and withdrawal service using the main bank's system and other exchange and CD joint network, and improves the effect of customer service. It is possible to operate the confirmation and automatic ordering system, and it has many effects to automate all the processes of the various billing operations.

In addition, since the bank does not manage all accounts, it is obvious that a large amount of virtual accounts are provided to affiliated institutions, which is a very advantageous invention that can efficiently manage a large amount of virtual accounts without overloading the bank host computer.

Claims (4)

In the way a bank manages multiple virtual accounts, A virtual account application step of applying a virtual account to a host computer of a payment bank by an access server of an affiliated institution affiliated with a payment bank (S100); A virtual account registration step of registering, by the host computer of the payment bank, which received the account application, the virtual account with the host computer of the bank (S110); A virtual account registration notification step of informing the access server of the affiliated organization of the virtual account registration using the virtual account operation server (S120); A customer transaction application step in which an affiliate customer applies for a transaction (S130); Customer account number registration step of notifying and storing the customer's unique account number to the customer in the work server of the affiliated organization (S140); Accounting step (S150) that the customer performs the accounting in the bank using his own unique account number; Transmitting the work content to transfer the account work performed by the customer from the bank to the virtual account management server (S170); Business content delivery step of transmitting the customer's account business performance to the access server of the affiliated organization (S190); And The method of managing a virtual account system, characterized in that to deliver the delivered work content to the affiliated agency work server (S200), and sequentially performing the task start step (S210) to start the work of the affiliated organization associated with the customer. The method according to claim 1, The accounting step (S150) is carried out by checking whether the accounting work performed by the customer is performed in the partner bank of the partner institution, and if the banking operation is carried out in the bank, perform the task content transmitting step (S170), and the other banking task After performing the step (S162) of notifying that the content, after performing the payment step (S164) of the KFTC, the virtual account system management method for performing the business content transmission step (S170) sequentially. The method according to claim 1, The work content transmission step (S170) checks whether the work performed by the customer is the work specified by the affiliated agency work server (S180), and if the work content matches, performs the work content delivery step (S190), and the work content matches. If not, the virtual account system management method for performing the step (S182) to notify the occurrence of the error. The method according to claim 1, The process of performing each of the steps, the virtual account system management method, characterized in that when the request for the execution step and the processing content from the affiliated organization access server transfers it from the virtual account operating server to the affiliated organization access server.