KR20020031531A - Relay system and method using virtural-account on internet commerce - Google Patents

Abstract

PURPOSE: A relay system and method using a virtual account is provided to enhance an efficiency of a business cooperation contract by making a plurality of affiliated institutions and financial institutions perform a cooperation contract without a vexatious standardization process. CONSTITUTION: A plurality of affiliated institutions is corresponded to a security corporation(110), a holding company financial group(130), an insurance company(150), a card company(170) etc. and communicates with a relay institution server(200) through a TCP/IP Internet network, and includes an affiliated institution server(100) having a logic capable of supplying a virtual account service. A plurality of financial institution servers(300) means a financial institution server capable of performing a financial business with respect to a virtual account and is corresponded to a general financial institution mounting an application program capable of managing a virtual account. A relay institution server(200) connects to a plurality of financial institutions with respect to each affiliated institution and applies a plurality of virtual account openings having a representative account as a main account.

Description

Relay system and method using virtual account {RELAY SYSTEM AND METHOD USING VIRTURAL-ACCOUNT ON INTERNET COMMERCE}

The present invention relates to a relay system and method, and more particularly to a relay system and method using a virtual account.

Affiliated institutions such as shopping malls have a business contract with a plurality of financial institutions for business purposes, and standardized standards for communication methods between affiliated institutions and each financial institution are not proposed. Each financial institution that wants to conclude will repeat the cumbersome task of coordinating communication standards. Due to this cumbersome and inconvenient communication standard coordination, affiliated institutions provide limited financial institutions.

In the case of customers, since the right to select a payment financial institution is limited to the range provided by the shopping mall, the trading bank is restricted, and the transaction is made with an undesired financial institution, or it is classified as a third party and pays additional additional fees. Is a frequent occurrence.

In the case of financial institutions, as the number of affiliated institutions including shopping malls operated on the Internet increases, the time and manpower required for coordinating specifications with each shopping mall cannot be overlooked.

On the other hand, in the case of a real account used in a payment system traded on the Internet, there is a large amount of data sent and received, such as deposit, withdrawal, interest calculation method, direct debit, ledger, etc. Mainly used. When the batched data is sent, the affiliated agency checks the transaction details and compares them with the transaction details. Therefore, there is a possibility of an error due to the manual operation, which takes more time and causes a delay in service.

Therefore, since the majority of affiliated organizations such as shopping malls use only the task of deposit and withdrawal, a method of improving the processing speed by using a virtual account including only the data about the deposit and withdrawal has been proposed.

The proposed virtual account system allows affiliates to receive additional additional information, such as customer codes, from trading financial institutions in order to accurately match the deposits of the representative accounts with the deposits of subscribers. There is an inefficient problem by adding a separate task for inputting additional information one by one.

In order to solve this problem, a virtual account system and method have been proposed in Publication No. 2000-0024646. The proposed system allows a partner institution to trade through one financial institution using a virtual account without financial institution classification, and has a problem that all but one trading bank with a parent account is classified and processed. In addition, a single financial institution has to deal with all the work, so the financial institution is overburdened.

In addition, the method and system for processing a financial business using a virtual account proposed in Publication No. 2000-0023994 describes a case of relaying business between a single affiliated institution and a single financial institution. A system and method for managing the communication of is not proposed.

At present, since affiliated agencies and financial institutions conclude their own contracts without a separate relay agency, communication standards are also determined by themselves, and thus are incompatible with each other, thereby reducing work efficiency. This phenomenon cannot be overlooked as the number of affiliates and financial institutions increases. Recently, due to the proliferation of affiliated institutions such as shopping malls using the Internet, there is a demand for a relay system that proposes standardized standards and professionally relays a plurality of affiliated organizations and a plurality of financial institutions.

This is a concept such that a plurality of credit card companies and a plurality of sales offices do not directly open a business, but go through a relay agency such as a separate van company.

On the other hand, in the case of offline affiliates such as newspapers, in order to collect the funds of the customers, the banks issued by the KFTC are sent to the customers, and the customers visit the branches of the banks with the giro and pay or pay by direct debit. In this case, a method in which each branch transfers the results automatically transferred to the KFTC online, sends the received branch offline, and the KFTC centrally analyzes and provides them to each affiliated institution.

In the case of affiliated institutions, separate costs are required to send out giro, and resend Giro to customers for frequent reasons such as change of customer address and loss of Giro. There is a problem that a dispute may arise due to loss.

In the case of the customer, the dispatched giro must be taken directly to the financial institution's sales window, and then undergo a cumbersome storing process. When the payment is due, the direct debit method is difficult to cancel the automatic debit method, and once applied, the money is transferred without the user's approval. .

Accordingly, the present invention has been made to solve the above problems, an object of the present invention is a virtual account that a plurality of affiliated institutions and a plurality of financial institutions do not go through the cumbersome standardization procedure of the partnership agreement, increasing the efficiency of the partnership agreement of the work It is to provide a relay system and method using.

Another object of the present invention is to provide a relay system and method using a virtual account that a financial institution processes a transaction of a customer corresponding to an affiliated institution in real time, and can perform financial business without additional input work.

The present invention is to provide a relay system and method using a virtual account that provides a cash management service (CMS) for integrated management of transaction history processed by a plurality of financial institutions with a partner agency.

1 shows a schematic diagram of an entire system according to a preferred embodiment of the present invention.

2 is a flowchart illustrating an operation of a system according to an exemplary embodiment of the present invention.

* Brief description of symbols for the main parts of the drawings

100: affiliated agency server 200: relay agency server

300: financial institution server

The present invention to achieve the above object is a plurality of affiliated agency server; A plurality of financial institution servers that manage the virtual accounts and manage the parent accounts for the virtual accounts; It is to provide a virtual account relay system and method comprising a plurality of affiliated agency server, and a relay agency server for relaying the financial affairs of the plurality of financial institution server.

A plurality of affiliated institutions, the affiliated institution selects a plurality of financial institutions desired from among a plurality of financial institutions linked to the relay server server, enters into a contract, and plays a role of trading with customers online or offline.

A plurality of financial institutions conclude a contract with a plurality of partner institutions through a relay server, grant a virtual account with a representative account as a parent account at the request of the relay server, and process financial transactions for the virtual account. Do this.

The affiliated agency server is easily contracted with a plurality of financial institution server through the relay server, it can provide a variety of trading financial institution services to customers.

The relay agency server concludes a contract with a plurality of affiliated agency servers and a plurality of financial institution servers and performs a role of relaying. It is desirable to provide a standardized communication standard for smooth communication between a plurality of affiliated institutions and a plurality of financial institutions.

The relay server connects to each financial institution server, requests to open a plurality of virtual accounts for a representative account, receives a virtual account from a financial institution, and provides user information and virtual information about a specific financial institution through an arbitrary affiliated institution server. When the account request signal is received, it is authenticated whether the virtual account is available, and the available virtual account is provided to the affiliated agency server, and the affiliated organization, the virtual account, and the user information are stored in the first DB.

When the transaction history through the virtual account is transmitted in real time from the financial institution server, the relay server searches for a virtual account corresponding to the received virtual account among the virtual accounts stored in the storage unit, and receives user information associated with the virtual account and received the received account. The transaction history is transmitted to the relevant affiliated agency server, the affiliated organization, the virtual account, the user information, and the transaction history transmitted from the financial institution are accumulated in the second DB, and the closed virtual account is the transaction related information that was traded. Delete and classify as available virtual account and store it in the first DB.

The relay server preferably stores and stores the virtual accounts for each financial institution according to the region to which the financial institution belongs.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

Referring to Figure 1 the components of the system according to the present invention, a plurality of affiliated agency server 100; A plurality of financial institution servers 300 for managing a virtual account, managing a parent account for the virtual account, and processing a financial business; It provides a plurality of affiliated agency server, and the relay agency server 200 for relaying the financial business of the plurality of financial institution server.

As shown in FIG. 1, the plurality of affiliated institutions include securities firms 110, holding company financial groups 130, insurance companies 150, card companies 170, investment companies 190, and Internet shopping malls. Companies such as companies that need to manage money collection may also be included. The affiliated agency includes an affiliated agency server 100 having logic to communicate with the relay server 200 through a TCP / IP Internet network and provide a virtual account service. Affiliate server does not perform actual financial processing like deposit and withdrawal, and as is well known to those skilled in the art, it stores the customer information in order to manage the customer, and the transaction that the customer needs to pay in order to detect errors occurring in the payment process. Includes a basic system for generating and storing order numbers in the event of a.

The customer 50 may perform a transaction with the affiliated organization using a method of accessing the affiliated organization online and an offline method such as directly visiting the affiliated organization.

The plurality of financial institution server 300 refers to a financial institution server capable of performing a financial business for a virtual account, a general financial institution equipped with an application program for managing a virtual account, for example, a second financial institution ( 310, the capital 330, the capital 350, and the first financial institution 370 may correspond to this. The first financial institution server 370 is a financial service generated from various financial channels 375, such as Internet banking 371, phone banking 372, CD ATM 373, branch window 374, and the like. And a virtual account system 377 for processing the financial business using the virtual account among the financial business.

The financial institution server 300 transfers the contents to other financial institutions through the approval of the Financial Services Agency, as is well known when the financial business generated through the financial channel 375 is another financial institution.

In general financial business using real accounts, the processing speed is delayed due to the large amount of additional data such as ledger, interest calculation method, saving form, and period. In contrast, the virtual account is a simple account in which one representative account is the parent account and only a deposit and withdrawal process is performed. Therefore, since the data processed is small, the host 376 of the financial institution server is associated with the virtual account. In the case of a real account, a method of collectively processing the collected data in a host is mainly used. In the case of a virtual account, information is immediately transmitted to the virtual account system 377 so that the virtual account system can process the information immediately.

Since the financial institution server 300 can be granted without checking the real name, the financial institution server 300 determines and confirms the real name verification and transaction availability of the affiliated institution 100 requesting the representative account as the parent account, and authenticates the authentication. Only affiliated organizations can be granted multiple virtual accounts.

The financial institution server 300 generally transmits and receives information while maintaining information security using a relay line such as an X.25 and a dedicated line.

The relay server 200 connects to a plurality of financial institutions for each affiliated organization and requests the establishment of a plurality of virtual accounts having the representative account of the affiliated institution as the parent account. In the method of applying for a virtual account by accessing the financial institution server 300, the virtual account is consistently numbered as necessary and managed by the relay institution server 200, and the collective method of self-numbering and when a request from an affiliated institution occurs. Each time, the real-time inter-transmission method of transferring the customer information transmitted from the affiliated organization is given a virtual account number when necessary and the number is included, in the embodiment according to the present invention will be described in a batch numbering method.

The relay server 200 may classify a plurality of virtual accounts assigned to each affiliated institution by the financial institution server and store them in the 1DB 210. In this case, the virtual accounts to be stored are more preferably stored separately by the region belonging to each financial institution.

When the customer information generating a transaction through an arbitrary affiliated agency server and the order number generated through the transaction are transmitted to the relay server 200, and a virtual account request signal of a specific financial institution selected by the customer is transmitted, the relay agency The server selects one of a plurality of virtual accounts belonging to the financial institution as the virtual account assigned to the requested affiliated institution, and transmits it to the requested affiliated institution. In this case, the transmitted virtual account can be re-granted after the transaction is completed, that is, until the customer has completed the financial transaction such as sunrise payment through the financial institution with the virtual account number provided from the affiliated institution. It serves as a transaction identification code for the transaction that occurred.

The relay server 200 associates the requested affiliated agency, the selected virtual account number, and the user information to be stored in the 2DB. In the case of a virtual account stored to the customer among the virtual accounts stored in the 1DB, it is preferable to indicate a delimiter indicating that the account is in use in order not to be granted again before the transaction is completed.

When the transaction history through the virtual account is transferred from the financial institution server 300 to the relay institution server 200 in real time, the virtual account corresponding to the received virtual account is searched for, and the user information associated with the virtual account is stored in the financial institution server. The transaction information transmitted from the 300 is transmitted to the affiliate institution server 100, and the processed transaction contents, that is, the affiliated organization, the virtual account, and the user information are accumulated in the 3DB together with the transaction history transmitted from the financial institution. Do it. This is the basic data that can be used to conduct the fund collection business for a certain period of time, and it means that the contents of the transaction can be kept as a data of fact checking in case of disputes about past transactions.

The relay server 200 stores the record of the completed transaction in 3DB, and then deletes and initializes all the transaction information associated with the completed virtual account.

When requested by the affiliated agency, the relay server may perform a fund collection task for providing the partnered institution with the transaction information of 3DB processed through a plurality of financial institutions for a predetermined period.

The relay server communicates with an affiliated organization through a general internet network such as TCP / IP, and communicates with the financial institution server 300 using a dedicated network such as X.25, and uses a TCP / IP network. In the relay server 200 to provide a separate security, the relay server is commonly used by those skilled in the art, such as infrastructure (related infrastructure) and business logic (business logic) in charge of data processing required for the business Can consist of knowledge.

The relay agency server 200 standardizes communication standards to relay a plurality of affiliated agency servers and a plurality of financial institution servers to support multi-communication. The relay server uses the communication standard suggested by the relay server when the contract is concluded, so that each agency can communicate with multiple servers with one communication standard. The relay server does not provide a standardized standard, and may perform an internal conversion between intermediate and internal institutions whenever communication between affiliated organizations and financial institutions occurs, but this causes frequent communication and minimizes processing time delay. It is not suitable for financial work.

The database unit for storing data in the relay server 200 may access and reconstruct the data in various ways, so that the relational database is a tabular database that is easy to expand. As in the case of the database unit in the embodiment according to the present invention, the 1DB (210) in which the virtual account number is stored and the transaction-related information generated from the affiliated institution, that is, whether the payment-related transaction made through the financial institution is processed without error. 2DB (320) that stores information that can be stored, and 3DB (250) that accumulates the contents of a normally completed transaction. The configuration of the database portion may vary, and the present invention is not limited to the configuration of the database portion.

2 is a flow chart illustrating an operational flow of a system according to the present invention.

Hereinafter, a communication flow between components described individually will be briefly described with reference to FIG. 2. It is assumed that the plurality of affiliated agency servers 100 and the plurality of financial institution servers 300 transmit and receive data through standardized communication standards provided by the relay agency server 200.

The relay agency server 200 requests that a plurality of financial institution servers 300 be established for each affiliated institution for each of the plurality of affiliated organizations that have signed a contract (S10).

When the financial institution server assigns a plurality of virtual accounts having one representative account as the parent account for each affiliated institution, the relay institution server 200 classifies the virtual accounts for each financial institution, region, and affiliated institution and stores them in 1DB. S12)

The customer makes a transaction with an affiliate through online or offline, selects a payment method through direct deposit or withdrawal among various payment methods including credit card, selects the financial institution and region to which the transaction is made, and the account to be settled. In the case of requesting a number (S14), the affiliated agency server 100 requests a virtual account to the relay server 200, and transmits the received customer information, the selected financial institution, the region, and the generated order number together. (S16)

The relay server receives the request signal from the affiliated agency server, calls a virtual account that satisfies the condition among the virtual account numbers stored in the 1DB, and transmits it to the relay server (S18). Response of the virtual account to the affiliated agency server 100 requested by the relay agency server 200 is automatic and can be used for real-time transactions because the time required is short.

The relay server 200 stores the relevant transaction information in the 2DB 230 until the transaction is completed for the virtual account given to the customer. (S20) The stored information includes the virtual account, the order number, and the customer information. Included. This is used as a data to determine whether the transaction is processed normally when payment is made through a financial institution. In the present invention, the virtual account granted to the customer through the affiliated agency server is unique, and is maintained until the transaction is completed, thus serving as a transaction recognition code. Even when a payment error occurs with the same name, a unique virtual account number enables smooth business processing.

The virtual account number assigned to the customer is unique and does not change until the transaction is completed.

When the customer performs the accounting service in the financial institution server through the unique virtual account number (S22), the financial institution server 300 performs the corresponding task to the representative account according to the virtual account number, and the results of the relay server To transmit. In the case of a transaction of another financial institution, the information is transferred to the other financial institution with the approval of the KFTC. The customer may directly visit a financial institution with a virtual account number and perform accounting, or perform accounting through online payment such as Internet payment.

The relay server 200 receives the processing history for the virtual account number, and compares the received transaction with the registered contents stored in the 2DB 230. (S24) That is, the relay server for each transaction Using the uniquely assigned virtual account, it is possible to check whether the received financial transaction details match the registered contents stored in the first storage unit and determine whether the financial transaction is normally closed. If the registered transaction does not match, an error has occurred (S26).

The relay agency server 200 calls the order number for the virtual account stored in the 2DB 230, and transmits the transaction number received from the financial institution server 300 to the corresponding affiliated agency server 100. (S28)

Each affiliated agency server 100 can determine which customer has processed the accounting business through the virtual account number, the order number, and the transaction history transmitted from the relay agency server, so that the affiliated agency itself can manage the transaction.

The relay server 200 allows the affiliated institution, the virtual account, and the user information to be accumulated in the 3DB 250 together with the transaction history transmitted from the financial institution.

In addition, the relay server receives the account processing history from a plurality of financial institutions, and integrates with each affiliate to provide information on the fund collection to the affiliated institutions. (S32) Although the fund collection service can be settled in real time, Due to the nature of the fund collection service, it is desirable to process the accumulated information for a certain period.

In addition, in the event of a dispute about the last transaction, the relay server may transmit the information stored in the 3DB to the desired institution server for fact checking.

Since the agency server 200 acts as a fund collecting service for a plurality of financial institutions, affiliated institutions such as newspapers do not need to send a separate branch for collecting funds, and customers do not wait for the branch to be sent by mail. In addition, a virtual account can be given online to select a financial institution for payment.

If the customer does not perform a virtual account-related work can use other services, which can be seen that is not related to the present invention (S34).

Although the method according to the present invention has been described above, this is merely an example, and various changes and modifications may be made without departing from the spirit of the present invention, all of which fall within the scope of the present invention as described in the appended claims.

As described above, in the present invention, the relay server serves to relay and provide a standardized communication standard to a plurality of affiliated institutions and a plurality of financial institutions.

This eliminates the hassle of closing a deal with a conventional financial institution because it is connected to a plurality of financial institutions through a standardized standard through a relay server without having to conclude a transaction with a plurality of financial institutions. You can improve your work efficiency. In other words, the affiliated agency can easily enter into a transaction with a plurality of financial institutions through the relay server, thereby widening the range of the financial institutions provided to the customers.

In addition, since the intermediary server performs the integrated fund collection work for a plurality of financial institutions that are dealt with affiliated institutions on-line, the affiliated institution is economical because it does not need to issue a separate branch, and it is necessary to manage the existing branch. Provides the effect of saving human and material resources.

From the customer's point of view, he or she can trade through the financial institution of his or her choice. In the off-line, he does not have to go to the sales window with Giro paper and can check the payment status.

In the case of financial institutions, it is convenient for the brokerage agency to secure an affiliated agency, and in the process of processing a transaction for a virtual account, there is no need to input additional information such as customer information processed for account accuracy for the transaction accuracy. Therefore, it provides an effect of increasing the efficiency of the work.

Claims (3)

A plurality of affiliated agency servers; A plurality of financial institution servers that manage the virtual accounts and manage the parent accounts for the virtual accounts; Contract with the plurality of affiliated institution servers and the plurality of financial institution servers to relay, connect to each financial institution server, apply for the establishment of a plurality of virtual accounts for the representative account of each affiliated institution, and the virtual account from the financial institution When the user information and a virtual account request signal for a specific financial institution are received through any affiliated agency server, the virtual account is authenticated, and the authenticated virtual account is provided to the affiliated institution server. And, the user information is stored in the storage unit, and if the transaction history through the virtual account is transmitted in real time from the financial institution server, retrieve the virtual account matching the received virtual account, and calls the user information associated with the virtual account And sends the called user information to the relevant affiliated server together with the received transaction details, and the closed virtual account is linked with the virtual account. Intermediaries classified as a virtual server account is available by removing the word stored transaction information Virtual account relay system comprising a. The method of claim 1, The relay server Provide a standardized communication standard for smooth communication between a plurality of affiliated institutions and a plurality of financial institutions, and when a transaction occurs through the affiliated institution server, a unique virtual account number is assigned to each transaction and transmitted through the affiliated institution. Accumulated transaction information and transaction details transmitted from financial institutions, accumulating in the storage unit, and providing transaction information with a plurality of financial institutions of each affiliated institution accumulated for a certain period to the corresponding affiliated institutions, Virtual account relay system, characterized in that for performing the fund collection business. A plurality of affiliated agency servers; A plurality of financial institution servers that manage the virtual accounts and manage the parent accounts for the virtual accounts; In the system comprising a relay agency server for contracting the plurality of partner institutions, a plurality of financial institutions, relay management of the financial business, Signing a contract between a plurality of affiliated agency servers and a plurality of financial institution servers, and using a standardized communication standard provided by the relay agency server; Requesting, by the relay server, from each financial institution server to open a virtual account for each affiliated institution; When the financial institution server approves opening a virtual account and allocates a plurality of virtual accounts having a representative account of an affiliated institution as a parent account, classifying the plurality of allocated virtual accounts for each financial institution and storing them in a first storage unit; When a virtual account request signal for a specific financial institution and user information for using the virtual account are transmitted to the relay server through any partner institution, the first storage unit searches for one of a plurality of virtual accounts belonging to the financial institution. Transmitting the request to the requested affiliated institution, and storing the requested affiliated institution, the selected virtual account number, and user information in a first storage unit in association with the requested affiliated institution; When the customer performs the financial business with the virtual account, the financial institution server transmitting the financial transaction details through the virtual account to the relay server in real time; The relay agency server checks whether the received financial transaction history and the registered contents stored in the first storage unit match using the virtual account uniquely assigned to each transaction, and transmits the result to the corresponding affiliated agency server. ; The relay server accumulates the traded information in the second storage unit, and the terminated virtual account deletes the completed transaction information stored in association with the virtual account, classifies it into usable virtual account, and stores it in the first storage unit. Steps Virtual account relay method comprising.