KR20030080523A - System and method for informing a message using a financial system - Google Patents

Abstract

PURPOSE: A system and a method for informing a message using a financial system are provided to certainly inform a user of the message by stating the message on a bankbook and a card slip of the user. CONSTITUTION: A client system(10) carries out a work related to the generation of an informing message. A message server(30) offers a working environment such as a homepage needed to generate and transmit the message. A message database(32) stores the data including the message received from the client system(10). A financial organization server(50) receives the data needed to inform the message from the message server(30) and stores it. An output system(70) states and outputs the message to the bankbook or an itemized account by receiving the data including the message from the financial organization server(50).

Description

System and method for informing a message using a financial system}

The present invention relates to a message notification system and method, and more particularly, to a message notification system and method using a financial system for outputting and notifying a message through printing a transaction history of a user's account book.

Message notification refers to the one-sided transmission of a message from one side to the other for reasons of cost and other reasons. Currently, the message notification means a variety of methods through mail, e-mail, short message, voice mail, and advertising media such as newspaper and broadcasting. Message notification is taking place.

However, in the case of postal mail, the postal mail may be stolen or lost before the addressee receives it, and the address, e-mail address and telephone number of the addressee may be changed at the time of the mail, e-mail, short message and voice mail notification. There was a problem that the message is often not properly delivered to the recipient or recipient. In addition, in the case of the advertising medium, there is a disadvantage that it is not easy to use at a high cost.

In addition, according to the prior art, it is not easy to objectively prove the contents related to the message notification facts of the message sender and the message confirmation facts of the message notification subject, thus often causing disputes about the message notification and verification.

On the other hand, as an improved form of the prior art as described above, the bank or the like to introduce the transaction related information to the customer through the printing of the transaction history of the bank account is introduced and used, but this is the bank side for all purposes for the specific purpose In this case, there was a limitation that a general company or an individual could not send a specific message related to each target by specifying the target of the message notification.

The present invention has been made in view of the above-described problems, and provides a message notification system and method using a financial system that reliably notifies a message to a notification subject by writing a message on a bankbook of a message notification subject, a card sales slip, etc. For the purpose of

Another object of the present invention is to provide a message notification system and method using a financial system that can objectively verify the message notification facts and the contents related to the message confirmation facts.

In addition, another object of the present invention is to provide a message notification system and method using a financial system that can specify a message notification subject from a general company or an individual to notify a specific message related to each subject.

1 is a configuration diagram of a message notification system according to the present invention;

2 is a flow chart showing a method according to the invention,

3 is a flowchart showing a detailed configuration of one step of FIG.

<Explanation of symbols for the main parts of the drawings>

10 ... client systems, 30 ... message servers,

32 ... Message DB, 50 ... Financial Server,

70 ... output system.

The present invention for achieving the above object is a message notification system, comprising: a client system for performing a task associated with the generation of a message to be notified; A message server interoperating with a message DB for providing a home page or the like necessary for the client system to generate and transmit data including a message, and for storing data including a message received from the client system; A banking server that receives and stores data necessary for message notification from the message server; And an output system for receiving data including a message from the banking server and outputting a message to a message notification subject, wherein the client system and the message server are connected to the Internet, and the banking server and the output system are connected to the Internet. It is characterized by being connected to the Internet or VAN.

On the other hand, the present invention provides a message notification method, comprising: connecting a client system and a message server; Receiving and storing data including information related to a message, a recipient name, and a financial transaction to be notified by the message server side; Analyzing the received data and transmitting the related data to the relevant financial institution server; Verifying the receiver information by comparing the data received by the banking server side receiving the data with data held in the bank; If the recipient information is authenticated, storing data including the message; Sending data including a message to an output system associated with a financial transaction having a data transfer request; And outputting and providing data including a message to a receiver through an output system.

EMBODIMENT OF THE INVENTION Hereinafter, the Example by this invention is described in detail with reference to an accompanying drawing.

1 is a block diagram of a message notification system according to the present invention.

As shown in FIG. 1, the message notification system according to the present invention includes a client system 10 performing a task related to generating a message to be notified, and an operation such as a homepage required for the client system 10 to generate and send a message. A message server 30 providing an environment, a message DB 32 storing data including a message received by the message server 30 from the client system 10, and a message notification from the message server 30. A banking server 50 for receiving and storing necessary data, and an output system 70 for receiving data including a message from the banking server 50 and outputting a message by writing a message to a bankbook or a transaction statement.

The client system 10 and the message server 30 are connected to the Internet, and the financial institution server 50 and the output system 70 are connected to the Internet or a VAN.

The message DB 32 includes sender information such as a sender's identification number, name, social security number, address, and telephone number, and a receiver's identification number, name, social security number, bank account number, and credit. Recipient information such as a card number and a security account number, and message information are stored. Examples of the message information, such as news to runaways, court appearance orders, credit failure registration guide, notice of loss of time gains, notice of conclusion of sales, notices of various rights, information on payment of various taxes, notice of jeondan / singular notice. The message may also be in voice and / or text form.

The banknote server 50 includes a plurality of bank servers, credit card company server, securities company server, etc., the output system 70 is a plurality of bankbook organizer, ATM (automatic teller machine), connected to the banknote server 50, CD machines (cash dispensers), card readers, landline phones, mobile or computers.

2 is a flow chart illustrating a method according to the present invention.

First, the client system and the message server are connected via the Internet (S1).

Then, the message server side receives the data required for message notification from the client system and transmits it to the relevant financial institution server (S2). The data necessary for the message notification includes a recipient name, financial transaction information such as a recipient's bank account number, a credit card number, a security account number, a message, and the like. In addition, content related to an output condition such as a message output frequency or an output period may be included.

The bank account number is preferably to induce a bank account number in the form of direct deposit and withdrawal, such as savings or ordinary deposits to increase the possibility of the recipient's message confirmation. The received message may be in voice and / or text form, depending on the circumstances of each client system. For example, when a client inputs and transmits a message by voice and text using a microphone and a keyboard, the message server receives a voice and text message.

The relevant banking server may be determined through analysis of information related to financial transactions included in the received data. For example, when a bank account number of a "Kookmin Bank" and a credit card number of a "Kookmin Card Company" are received from a client system, the "Kookmin Bank Server" and the "Kookmin Card Company Server" correspond to the relevant banking server.

The financial institution server authenticates the received data and transmits the data including the message to the output system having the request for transmission (S3), and finally, outputs the message through the output system (S4). At this time, the message is output in the form of a text or a voice through a paper, a screen or a speaker of various devices according to the output system and the type of data transmitted as the device used for the transmission request. The paper may include a transaction list, a bank book, a card sales slip and a stock trading slip.

3 is a flowchart showing the detailed configuration of step S3 of FIG.

The financial institution server that has received the data related to the message notification compares the received data with data owned by itself (S300). For example, the combination of the received recipient name and the bank account number and the combination of the account holder name and bank account number which are owned are compared.

It is determined whether or not the received data combination and the retained data combination are authenticated (S310-1), and when the received data is authenticated, the data including the message is stored (S320). If the authentication is denied, the message server receives the related notice and notifies the client system (S310-2).

Subsequently, the financial institution server receives a data transmission request from the output system (S330), inquires the account number or the card number for which the data transmission is requested (S340), determines whether the message is a notification target (S350), and if the notification target, The data including the message is transmitted to the output system having the data transmission request (S360-1), and if it is not the notification target, the conventional general data is transmitted (S360-2). In the above step (S360-1), if the financial institution server has data related to the output condition, it is determined whether or not to transmit the data related to the message based on the output condition, and if the data related to the message is transmitted Data such as transmission date and time are stored.

Through the above configuration, the subjects of the message notification can arrange the accounts or check the balance through the output system such as an automatic teller machine or receive a transaction statement, as well as phone banking and internet banking through the output system such as a wired / wireless telephone or a computer. Even in the case of receiving the received message is transmitted in the form of voice or text, and through the output system, such as a card reader, the message is recorded and provided in the card sales slip at the time of card payment. Since the message is notified through such various paths, the likelihood of receiving a message is increased.

As mentioned above, although this invention was demonstrated in detail, the scope of the present invention is not limited to this. For example, not only a configuration in which a client transmits a message through a separate message server, but also a configuration in which a client directly transmits a message using a banking system such as phone banking or Internet banking is included in the scope of the present invention.

According to the present invention, in the message notification system and method using the financial system, the message can be reliably delivered by outputting the message and notifying the account book of the person subject to the message, the card sales slip or the like.

Further, according to the present invention, it is easy to objectively prove the contents related to the message notification facts and the message confirmation facts, thereby preventing the occurrence of disputes related thereto.

In addition, according to the present invention, a general company or an individual can specify a message notification subject and notify each subject of a specific message.

Claims (6)

In the message notification system, A client system performing a task related to generating a message to be notified; A message server interoperating with a message DB for providing a home page or the like necessary for the client system to generate and transmit data including a message, and for storing data including a message received from the client system; A banking server that receives and stores data necessary for message notification from the message server; And And an output system for receiving and outputting data including a message from the financial institution server for a data output request of a message notification subject, And the client system and the message server are connected to the Internet, and the financial institution server and the output system are connected to the Internet or a VAN. The method of claim 1, The message DB stores a name of a recipient who is the subject of a message notification, and stores at least one of a recipient's bank account number, a credit card number, or a security account number. The method according to claim 1 or 2, And the output system comprises at least one of a bankbook organizer, an ATM, a CD machine, a credit card reader, a landline phone, a mobile or a computer. In the message notification method, Connecting the client system and the message server; Receiving and storing data including information related to a message, a recipient name, and a financial transaction to be notified by the message server side; Analyzing the received data and transmitting the related data to the relevant financial institution server; Verifying the receiver information by comparing the data received by the banking server side receiving the data with data held in the bank; If the recipient information is authenticated, storing data including the message; Sending data including a message to an output system associated with a financial transaction having a data transfer request; And Outputting and providing data including the message to the receiver via an output system Message notification method using a financial system, characterized in that consisting of. The method of claim 4, wherein And the information related to the financial transaction comprises at least one of a recipient's bank account number, a credit card number, and a security account number. The method according to claim 4 or 5, The output system associated with the financial transaction comprises at least one of a bankbook organizer, ATM, CD, credit card reader, landline phone, mobile or computer.