KR20010066590A - Electronic-Banking integration interface system - Google Patents

Abstract

PURPOSE: An electronic financial integrated relay system is provided to simplify a user interface channel by integrating common parts of various messages by works, by setting up fixed professional areas, and by manufacturing message for funds. CONSTITUTION: A system management operation unit performs a processing of a system operation command. A communication management unit compresses and encodes a message. In addition, the communication management unit monitors a mutual connection state. A terminal management unit provides an interface between a terminal operator and an application program. A screen management unit registers a terminal screen file and manages a screen version. A communication input professional management unit converts a message inputted from a terminal into data defined to a relevant item of a TWA(Transaction Work Area). A communication output professional management unit receives output data made as a transaction processing result in an application program.

Description

Electronic-Banking integration interface system

The present invention relates to an integrated electronic financial relay system, and more specifically, to the integrated database of standardization and professional management of various heterogeneous messages generated in various forms when connecting a financial institution host and an external computer network without being affected by product types. In other words, it is designed to integrate communication failure status and information management.

The above-mentioned electronic banking refers to providing financial services through electronic media. In detail, the electronic banking method is a combination of information and communication technology and information processing technology. Refers to financial services that perform financial transactions and settlements between customers and financial institutions electronically.

Conventional financial forms are the most commonly used branch-oriented financial forms, which are the most common and most common forms of financial business, in which various financial transactions are handled by face-to-face interactions between employees and customers, and the expansion of branches (including branches) and counters, The improvement of interpersonal services has been a key strategic factor in attracting customers.

As shown in FIG. 1, all business processes of a financial institution are concentrated on the main computer (HOST) of the headquarters. The main task was to centralize the account processing tasks of the company and send the processing results to the branches.

In order to centralize the exchange of funds with other financial institutions, such as the receipt of checks of other financial institutions and payment of draft checks of customers, it is necessary to exchange data with financial settlement agencies. The automated settlement of funds between financial institutions through the communication connection between the HOST and the KFTC, and the time-series database of various customer information acquired at the point of contact of customers of financial institutions and surrounding environment information about changes in the financial environment. For this purpose, the information processing system (2) has been established to process customer information, management information, cost analysis and financial product information by separating account processing and information processing from the existing account processing system.

In the traditional financial environment as described above, the recent intensification of competition, the traditional sources of profit of financial institutions. In order to solve the decrease in profits due to the reduction of large margins, consignment sales of goods of other financial institutions by business alliance with similar financial institutions, spread of the spread of automation equipment (CD, ATM), the spread of personal computers and the explosive growth of the Internet users population Customers' demand for electronic financial products is increasing. In order to establish such an electronic financial system, each financial institution needs to establish a new area system for the development of electronic financial products in addition to the operation of the account processing system and the information processing system in the existing HOST, as shown in FIG. By building a variety of electronic financial products in the HOST, this increases the amount of data processed by the HOST, causing a heavy burden on the host (1), and by establishing the SUB-SYSTEM as a subsystem of the HOST for each electronic financial product, By carrying out the data processing function, the burden of the HOST can be reduced (2) due to the distribution of business processes, and the interface between the external organization (3) and the customer (4) can be efficiently performed.

However, the construction of an electronic banking system by SUB-SYSTEM differs in the form of specialty for each electronic banking product in the case of specialized transmission / reception between SUB-SYSTEM and HOST due to the difference in the work of each individual electronic financial product (2). In the face of difficulties in maintenance, maintenance, and system improvement and expansion, and above all, the development of new electronic financial products has caused a problem of high cost due to double investment due to the introduction of hardware and software development. .

An object of the present invention is to provide a variety of specialized forms received from an external institution or an electronic financial transaction customer in the existing electronic financial system, namely PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, financial common network, etc. Integrating the various specialized texts received in the form of a common part of each business in the electronic financial relay system, and the specialized data for each product sets a fixed specialized area so that the standardized electronic banking is unified without special design for each electronic financial product. By producing the full text, integrated management of various transaction status and unprocessed status with external computer networks, which are various areas of occurrence, is handled in the professional management DB. The investment cost of the system can be further reduced, and the convenience of maintenance and management It can provide, and to provide the flexibility for improvement and expansion of the system.

1 is a structural diagram of a computer system centered on a conventional financial institution account processing task

2 is a structural diagram of an electronic financial product computer system of an initial financial institution

3 is an exemplary view of a conventional electronic financial product

Figure 4 is an example of electronic banking professional standardization and disability status information management processing according to the present invention

5 is a basic configuration of the integrated electronic banking relay system according to the present invention

Figure 6a, 6b is an exemplary view of the standardized electronic financial products according to the present invention

7 is an internal structure diagram of the electronic financial integrated relay system according to the present invention

8 is a CDMS process according to the present invention

■ Explanation of symbols for main parts of drawing ■

A: DBMS (Database Management System)

B: Common Application control-Package for advanced banking system

C: IMS (Information Management System)

CICS: (Customer Information Control System)

D: VTAM (Virtual Telecommunications Access Method)

E: Relational Database Management System (RDBMS)

Management system)

F: CDMS (Cash Dispenser Management System)

4 is an exemplary view illustrating an electronic finance professional standardization and disability information management process according to the present invention, FIG. 5 is a basic configuration diagram of an integrated electronic banking relay system according to the present invention, and FIGS. 6A and 6B are electronic finance products according to the present invention. Standardized full-scale illustration, Figure 7 is an internal structure of the electronic banking integrated relay system according to the present invention, Figure 8 shows the CDMS business process according to the present invention to look at the configuration of the present invention together with the drawings in detail do.

In order to realize the present invention, first, a specialized form of an external computer network is used to classify electronic financial products such as PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, and financial joint networks. A database of unified and standardized full texts should be prepared.

That is, the standardized telegram converts the telegram of the external computer network received in various specialized formats as shown in FIG. 5 into ① and ② of FIGS. 6a and 6b in the electronic financial integrated relay system to the standard telegram and the financial institution HOST. In case of sending the message to the external computer network, it is possible to convert and transmit the message to the requested message separately from the external computer network, and operate the user interface channel effectively by simplifying the type of transmission and reception. By providing information in real time to the headquarters, branch offices, branch offices, customer PCs, and affiliated institutions of each financial institution in real time, it provides the function to immediately respond to the computerized disability situation.

As shown in FIGS. 6A and 6B, the basic form of the electronic banking standard telegram sets the most basic specialized information such as transaction code and terminal information into the header section, and common contents of electronic financial products, that is, each transaction. Specialized domains were categorized into financial settlement areas and e-banking business sectors, and the standardization of ① in FIG. 6a was performed. ④ of FIG. 6B and ⑤ of FIG. 6B were standardized.

The present invention is to convert the standardized form of the external computer network received in various specialized forms as described in the standardized database in the electronic financial integrated relay system to send and receive with the financial institution host.

That is, the electronic financial integrated relay system of the present invention transmits and receives data to and from a system management operator who performs monitoring of operation status of a process, full-text transfer between processes, environmental management of a system, and processing of a system operation command. It is a communication support program to create application programs irrespective of communication protocol and network configuration type, compresses and encrypts the full text, monitors the status of modification of data when sending and receiving the text, and monitors the interconnected status with the other party. It provides the interface between the operator and the application program such as administrator, screen creation and screen selection function, basic input data inspection, professional editing, terminal and peripheral device control functions, and supports application program development regardless of terminal type. A terminal manager to manage the registration and screen version of the terminal screen file, and In other words, the operator who converts the full text inputted from TM into the data data defined in the relevant item of TWA (Transaction Work Area), fills the contents of common TWA items and passes them to the application input control processor (AICP) for the transaction It is a module that functions as a professional foot manager and functions to receive the output data generated as a result of transaction processing from the application program, delete unnecessary parts, compress them, and classify them by destination (trade terminal or other system) and transmit them to the corresponding process. When sending / receiving a telecom output expert manager, which is invoked by the OM to have one process in the integrated relay system, and a host or affiliated organization, as shown in FIG. 8, a message queue (Message) The system that manages the queue (1 in FIG. 8) is always running, and is transmitted to the host or external organization. If the entire input transaction message is in the input-only message queue, only the transmission is made to the host or external agency in order, and when the result processed by the host or external agency is received, the system stacks the message transaction queue in order and manages the message queue. It consists of a professional relay system that processes these results, and an uncompleted professional management system that searches for the differences that occur between the send and receive messages and accumulates the unprocessed messages found in the DB and processes them in order.

The present invention having the configuration as described above in the communication connection with the external computer network and the host of the financial institution, in transmitting and receiving the full text,

Specializing in the transmission and reception of external computer networks or electronic financial transactions customers such as electronic banking products (PC banking, Internet banking, linked business, cyber securities, CDMS, phone banking, financial common network) in various forms. By connecting heterogeneous transaction texts (figure 5: transaction texts for each business before standardization) in the electronic financial integration relay system, the business program is simplified regardless of the type of electronic financial products, thereby enabling integrated management of electronic finance textbooks (Fig. 3). : Integrated management of electronic banking specialists) By monitoring each professional processing process in real time (Figure 3: Disability Status Information Management), it is possible to immediately provide disability status information to financial institution headquarters, branches, and customer PCs.

As an embodiment of the present invention, the host of the financial institution and the external computer network are specialized in the following manner.

If you order the desired message through the host in the financial institution, the message is delivered to the system operation management unit according to the command of the host, and the message through the system operation management unit is transmitted to the communication management unit to compress, encrypt, and encrypt the message. The full text is delivered to the terminal management unit by a professional relay system or work system to provide an interface between the terminal operator and the application program, and to support application development irrelevant to the terminal type. The full text received from the terminal, namely, TM, transferred to the communication infrastructure management department, is converted into the data data defined in the corresponding item of the TWA (Transaction Work Area), and the contents of the TWA common items are filled to fit the transaction. ), And the above data is sent out Receives the output data generated as a result of transaction processing from the application of the terminal management unit, deletes and compresses unnecessary parts, classifies them by destination (transaction terminal or other system) and sends them to the corresponding process to the host of another financial institution. It is delivered.

As described in detail above, according to the present invention, various specialized messages received in separate forms for each product, such as electronic banking, financial banking, Internet banking, interworking, cyber securities submission, CDMS, phone banking, and financial common network of financial institutions. Integrating the common parts of each task in the electronic financial integrated relay system, and specialized data for each product can be set up in a fixed specialized area to produce the full text of funds in the electronic financial integrated relay system, thereby dramatically reducing the number of transaction specialists. By simplifying the user interface channel, not only can it respond actively to the explosive increase in the amount of electronic banking business, but also the effect of shortening the development period and reducing the development cost when applying variously developed electronic financial products, Processing status of various transactions with external computer networks, various specialized occurrence areas, not processed Integration, etc. specializes in integrated management DB management, which will be immediately in the event of a failure to respond by providing information to professional processing and disability status in real-time monitoring system.

In addition, by implementing the professional relay system and the incomplete professional management system, each of the host or external institution and the electronic financial integrated relay system can improve the business processing ability, so that many transactions can be processed with the same system to submit CDMS (Automated Device Management System) and cyber securities. This invention is expected to have a significant effect on the performance of the electronic financial business system that processes a large amount of data in real time.

Claims (1)

It converts the specialized form of the external computer network from the electronic financial integration system to the standard full text and transmits and receives the financial institution host to monitor the operation status of the process, transfer the specialized text between the processes, manage the environment of the system, and process the system operation commands. The system management operation unit, the communication management unit that compresses and encrypts the full text, monitors the state of data deformation during the transmission and reception of the text, and monitors the connection status with the communication counterpart, the screen creation and screen selection function, and basic input data. Terminal management unit that provides interface between terminal operator and application program such as inspection function, professional editing, terminal and peripheral device control function and supports application program development irrespective of terminal type, terminal screen file registration and screen version management The screen management unit to perform the entry from the terminal to the corresponding item in the TWA (Transaction Work Area) It converts the data into defined data, transfers them, and fills the contents of the TWA common items and passes them to the application input control processor (AICP) for the transaction. It is a module that deletes and compresses parts and classifies them by destination (transaction terminal or other system) and transmits them to the corresponding process. Communication output that is invoked by OM when the system is running and resides in one process in the integrated relay system. In the electronic financial integrated relay system consisting of a professional management department; Specialized relay system that operates input / output dedicated message queue, Unfinished professional management system that accumulates unprocessed messages generated by not receiving a message from the host in a specialized DB and processes them sequentially, Electronic financial integrated relay system, characterized in that it is equipped with a non-responsive professional management system that accumulates the non-responsive full-text classified as unprocessed because there is no response for a certain time and sequentially processes.