KR20040084386A - System For Providing A Service Of Integrating An Electronic Finance And Its Method - Google Patents

Abstract

PURPOSE: A system and a method for offering an integrated electronic banking service are provided to make a banking system require no need for separate facilities and program development for communicating with each bank system by performing communication through a message written in a standard business code. CONSTITUTION: An integrated system gateway(31) communicates with the banking system(20) or a bank system(40) through the network. An obstacle manager(32) manages obstacles generated during a communication process with the banking system or the bank system through the integrated system gateway. A converter(33) automatically converts or encrypts the message transmitted from the banking system or the bank system. An access manager(34) manages a log for the banking system or the bank system. An integrated service part(35) processes businesses by controlling each part according to a business processing request from the banking system or the bank system, and transmits a business processing result to the banking system of the bank system.

Description

System For Providing A Service Of Integrating An Electronic Finance And Its Method}

The present invention relates to an electronic financial integrated service providing system and method thereof.

With the development of the network management system, each financial related company processes each other's business using the network.

On the other hand, financial companies include the banking system, which is the most common savings institution, and there are various financial related companies (hereinafter, simply referred to as "financial systems"), such as credit card systems, e-commerce systems, and securities company systems.

1 is a configuration of an embodiment of a conventional general electronic banking providing system.

That is, FIG. 1 illustrates a conventional general electronic banking providing system. As shown in the drawing, each financial system 50 forms a separate network from a bank system 60 to be dealt with and performs various tasks. .

In such a case, the financial system 50 should develop a dedicated business code for transferring a work-related file format (hereinafter, simply referred to as "specialty") for each banking system 60 to be dealt with, and thus additional costs and developments according to system development There is a problem that the period is extended.

In addition, the history management that occurs according to the operation of the system must be performed, and it is difficult to efficiently manage complex and diverse characteristics of tasks, and also has a problem of adding another system to prevent the overload of the system.

In addition, when the same full text is to be transmitted to a plurality of banking systems 60, there is a problem in that the operation of the system becomes complicated because a plurality of full texts must be made and transmitted according to a work code required by each banking system.

In addition, O / S environment is composed variously such as unix, windows (NT), IBM, Tandom, etc. according to banks and affiliated institutions, and file transmission / reception methods are different depending on environment such as TCP / IP, X.25, SNA, ASYNC As a result, it is difficult to construct an integrated system to accommodate all of them, and problems of data errors between heterogeneous systems are included.

The present invention is to solve the above-mentioned problems, and not only to make the financial system working with a plurality of banks and affiliated institutions to easily build a bank system and network of various environments, Communicates through the full text written by the standard business code, converts the full text received from each financial system to the corresponding bank system format, and transfers the full text from each bank system to the bank system. The purpose of the present invention is to provide an integrated system for providing an electronic banking service and a method thereof so that the financial system does not need to develop a separate facility and program for communication with each banking system by converting it into a business code and transmitting it to the corresponding financial system. There is this.

1 is a configuration diagram of an embodiment of a conventional general electronic banking providing system.

Figure 2a is an embodiment configuration of an electronic banking service providing system to which the present invention is applied.

Figure 2b is a flow diagram of an embodiment of a method for providing electronic financial integration service according to the present invention.

Figure 3a is a flow chart of an embodiment of a real bank account collection method using a virtual account of the electronic banking integrated service providing method according to the present invention.

Figure 3b is a flow diagram of an embodiment of a real time transfer method of the electronic financial integration service providing method according to the present invention.

Figure 3c is a flow diagram of an embodiment of a batch remittance method of the electronic financial integration service providing method according to the present invention.

Figure 3d is a flow diagram of an embodiment of a batch automatic transfer method of the electronic banking integration service providing method according to the present invention.

Figure 3e is a flow diagram of an embodiment of a real automatic transfer method of the electronic banking integration service providing method according to the present invention.

4A to 4C are diagrams showing the functions of the respective components of the electronic banking integrated service system according to the present invention.

The present invention for achieving the above object, in the electronic financial integrated service providing system 30 applied to the electronic financial service providing system including the financial system 20 and the bank system 40, the network through the A system integration gateway 31 for communicating with the financial system 20 or the bank system 40; A failure management unit 32 for managing a failure occurring in a communication process with the financial system 20 or the banking system 40 through the system integration gateway 31; A conversion unit (33) for performing an automatic conversion or encryption function on the telegram transmitted from the financial system (20) or the bank system (40); An access manager 34 for performing log management on the financial system 20 or the bank system 40; And control the units 31, 32, 33, and 34 in response to a business processing request from the financial system 20 or the bank system 40 to process the business, and display the processed business results in the financial system. 20 or an integrated service unit 35 for controlling the respective units 31, 32, 33, 34 for transmission to the banking system 40.

In addition, the present invention provides a method for providing an electronic banking integrated service applied to the electronic banking integrated service providing system 30, comprising: a first step of receiving a business process request by a standardized telegram from the financial system 20; A second step of converting the standardized telegram into a telegram format of a banking system 40 subject to the business processing request; Transmitting the converted telegram to the banking system (40); A fourth step of receiving, from the banking system (40), a result of the processing according to the full text in a full text form according to the format of the banking system (40); And a fifth step of converting the full text of the fourth step into a standardized full text and transmitting the converted full text to the financial system 20.

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

2A is a block diagram of an embodiment of an electronic banking service providing system to which the present invention is applied, and FIG. 2B is a flowchart of a method of providing an electronic banking integrated service according to the present invention. 4A to 4C are diagrams illustrating the functions of the components of the electronic banking integrated service system according to the present invention.

As shown in the figure, the integrated system for providing an electronic banking service to which the present invention is applied includes a financial system 20 and a plurality of banking systems operated by a second financial company such as a securities company, a credit card company, and an institution performing various financial affairs. 40 and an electronic banking integrated service providing system 30 for providing a service according to the present invention, wherein the user is provided with a financial system 20 or a banking system 40 through an online system such as wired or wireless Internet. It may further include a customer terminal 10 to be used to connect to.

At this time, each financial system 20 performs a variety of tasks using the full text according to the internal work code (set by each financial system) through a plurality of branches and dedicated lines attached to it, while providing integrated electronic banking services The system 30 performs the work through the full text by the unified standard work code.

On the other hand, the electronic banking integrated service providing system 30 receives the full text by the standard business code and converts the full text according to the code format required by the bank to transmit to the corresponding bank.

That is, in the present invention, the plurality of financial systems 20 and the plurality of banking systems 40 do not exchange messages in one-to-one format, but are established between the plurality of financial systems 20 and the plurality of banking systems 40. Electronic financial integrated service providing system 30 is to relay the professional communication between the system by a standardized work code.

Therefore, each banking system 20 does not need to modify the full text in the form of the work code required for each banking system 40, a plurality of banking systems using a standard work code agreed with the electronic banking integrated service providing system 30 The business request for the batch is transmitted to the electronic banking integrated service providing system 30, the electronic banking integrated service providing system 30 receives the full text according to the standard business code, of each bank system 40 The full text is converted into a company code that matches the format and transmitted to the bank system 40.

In the above description, the standard business code refers to a business code negotiated by the financial system 20 and the electronic financial integrated service providing system 30, and used for communication between the financial system 20 and the electronic financial integrated service providing system 30. will be.

On the other hand, as shown in the figure, the electronic banking integrated service providing system 30 according to the present invention is a system integration gateway for performing communication with a financial system and a banking system through a network (called "ez * Gate"). (31), a failure management unit for managing communication and failure between different systems (called "ez * Join") 32, a conversion unit (tentatively " ez * Cap "(33), access management unit (named" ez * Hi ") 34 for performing log management, monitoring unit for managing service monitoring and various fault records (tentative name) "ez * Monitor") (38), Operations Management Department (named "ez * Master") 36 to manage operations / statistics for the entire system, and Integrated Services Division to provide integrated electronic banking services And (35) (named "ez * FIS").

First, the system integration gateway 31 is for managing communication with the financial system 20 or the bank system 40 and has a solution for maximizing the efficiency of network configuration with a plurality of institutions.

Next, the disability management unit 32 has a solution for managing communication and disability between the financial system 20 or the bank system 40, the data transmission protocol such as TCP / IP, X.25, SNA Performs functions such as conversion and communication failure management.

Next, the conversion unit 33 has a built-in solution related to the automatic conversion, encryption and compression function for the full text transmitted from the financial system 20 or the bank system 40, encryption for improved communication efficiency and stability Perform the function. In addition, the converted telegram performs the function of transmitting the telegram to the financial system 20 or the bank system 40.

Next, the access manager 34 has a log management solution for the financial system 20 or the bank system 40 and performs functions such as step-by-step access log management and log record level control.

Next, the integrated service unit 35 controls each of the units 31, 32, 33, and 34 described above, and controls various services according to the present invention to be described below. It includes a solution and performs functions such as virtual account, direct debit, and transfer remittance. That is, each business request transmitted from the financial system 20 or the banking system 40 (real banknote collection service, real-time remittance business, batch remittance business, automatic transfer (collective) business, automatic transfer (real) business, etc.) It performs a function to control the respective parts (31, 32, 33, 34) to perform the).

Next, the monitoring unit 38 monitors the work performance status of the units 31, 32, 33, 34, and 35, while setting the environment and monitoring the service for the integrated service unit 35, timers, and various failures. Perform the function of managing records.

Next, the operation management unit 36 has an integrated operation management solution, and performs management and statistical management functions for the administrator policy decision support and the electronic financial integration service providing system 30 as a whole.

Finally, the data manager 37 stores and manages various data necessary for providing a service according to the present invention.

Each of the components described above is a core component of the electronic banking integrated service providing system 30, and includes a fail-over function for intelligent error handling, an intelligent load balancing function, various protocol support, a specialized conversion and processing function, and a communication line state. It provides management function, code conversion function between different models, system management and monitoring function, program addition and change function while running system, and online simulation function.

Meanwhile, detailed functions of the components are as shown in FIGS. 4A to 4B.

At this time, it is possible to perform a variety of relay services through the electronic banking integrated service providing system 30 as described above, the financial-related representative tasks are as follows.

First, real bank account collection service using virtual account, second, real time money transfer service, third, bulk money transfer service, fourth, payment account automatic debit withdrawal improvement business as direct debit (collective) work, fifth, direct debit (real) As a business, real-time payment account fund collection and fund collection reservations are possible.

Hereinafter, the basic business flow that can represent the financial-related tasks will be described with reference to FIG. 2B and then the five types of financial-related tasks will be described with reference to FIGS. 3A to 3E.

First, the basic work flow of the present invention is as shown in Figure 2b.

That is, when the financial system 20 wants to make a business request to the bank system 40 (102), it prepares the full text of the business request content with the standard business code promised with the electronic financial integrated service providing system 30 (104). And transmit it to the system 30 (106).

The electronic banking integrated service providing system 30 receiving the full text converts the full text into a format suitable for the full text format required by the financial system 40 and transmits the full text to the corresponding banking system 40 (108). In this case, the process 108 may be variously performed according to the logic of the financial business.

After receiving the full text 110, the bank system 40 processes the business according to the full text 112 and transmits the result of the business processing to the electronic financial integrated service providing system 30 (114).

The system 30 receiving the business process result converts the business process result according to a standard business code and transmits the business process result to the financial system 20 (116). In this case, the process 116 may also be variously performed according to the logic of the financial business.

The financial system 20 that has received the result of the business process checks the normal business process (118), thereby ending the work between the financial system 20 and the bank system 40.

Meanwhile, hereinafter, detailed descriptions of the five tasks described above using the basic business processor illustrated in FIG. 2B will be described with reference to FIGS. 3A to 3E. In this case, the credit card system will be described as an example among the various types of financial systems 20.

First, with reference to Figure 3a will be described the real bank account deposit recovery task using a virtual account, which is the first task.

3A is a flowchart illustrating an embodiment of a real bankbook deposit collection method using a virtual account in an electronic banking integrated service providing method according to the present invention.

First, a user using the financial system 20 applies for a virtual account to the financial system 20 (202). In this case, the virtual account is an account (child account) granted to a user using a real account (parent account) (hereinafter, simply referred to as a "mother account") that the financial system 20 has in the banking system 40 (hereinafter, simply A "account" refers to a virtual account that is not a substantially existing account, but is assigned to each user in order to identify each user in the parent account.

The financial system 20 that has received the virtual account application grants a virtual account to each user (204).

The user who is granted the virtual account deposits funds through the virtual account at the time of delinquency such as credit card use price (206).

At this time, the banking system 40 determines the funds deposited into the virtual account as the use price of the credit card company (financial system) 20, and provides the electronic banking integrated service providing system for the full text of the deposit processing result to the virtual account ( 30, a notification is made to the financial system 20 (208). On the other hand, the full text is transmitted using a code defined between the electronic financial integration service providing system 30 and the banking system 40.

In addition, the electronic banking integrated service providing system 30 transmits the full text received from the banking system 40 to the financial system 20. At this time, the financial system 20 converts the full text into a standard business code. It is transmitted to (210).

The financial system 20 which has received the full message confirms the deposit to the virtual account and notifies whether the transaction is approved for the use of the credit card (212). The approval notification is transmitted to the electronic banking integrated service providing system 30 converted into a standard business code (214), the electronic banking integrated service providing system 30 transfers the full text according to the standard business code corresponding bank system (40). ) Is converted into the specialized form required by the transfer to the bank system 40 (216).

The bank system 40, which has received the full text (218), notifies the user of the contents (220), and the user confirms whether the credit card is reused by immediately checking whether the transaction is approved.

In the above method, each user makes a deposit through the account assigned to him or her at the time of delinquent payment of the card, and at this time, the user makes a deposit into the account assigned to him, but the funds deposited are actually By being deposited into the mother account of the financial system 20, the financial system 20 can immediately confirm the deposit amount for each user, and the user can use the services provided by the financial system 20 immediately after the deposit.

At this time, the transmission of various specialties between the financial system 20 and the banking system 40 is via the electronic banking integrated service providing system 30, and each system modifies the full text in a format suitable for the banking system or the financial system. There is no need, and the conversion is performed by the electronic financial integrated service providing system 30.

Next, with reference to Figure 3b will be described for the second task, real time transfer. In this case, the real time remittance service refers to a task of remitting cash to a corresponding account when a user applies for cash service.

3B is a flowchart illustrating an embodiment of a real time transfer method in an electronic banking integrated service providing method according to the present invention. That is, the flow chart shown in FIG. 3b is for explaining a case where the financial system needs to transfer money to the user to create and transmit data to the electronic financial integrated service providing system. In the case where a cash service is applied to the system 20, the financial system 20 transfers the cash service amount to the user's account.

First, the user applies for the remittance service through the customer terminal 10 or the cash dispenser (302). The remittance service at this time means an application for cash service as described above.

Receiving the application, the financial system 20 prepares various data necessary for remittance in full text according to the standard business code and transmits it to the electronic financial integrated service providing system 30 (304).

The electronic banking integrated service providing system 30 receives the remittance data written in a preamble according to a standard business code, and then converts the preamble into a format required by the bank affiliated with the business 40 to transmit it to the bank system 40. 306.

The bank system 40 determines whether the remittance process is capable of processing the transfer after receiving the remittance data (308) (310), and if the remittance data is available for remittance processing (314), In the case of a remittance request to the other party, the remittance request is transmitted to the bank system (312) so that the remittance processing can be performed (314).

Meanwhile, when the remittance process is completed, the bank system 40 transmits the processing result to the financial system 20 through the electronic financial integrated service providing system 30 (316). In this case, the processing result transmitting process (316 to 320) is the same as the processing result transmitting step (208 to 212) described in Figure 3a will be omitted.

In this case, the user may receive the received money after confirming the amount transferred to his or her account through the customer terminal 10 or the bank window.

Next, with reference to Figure 3c will be described a third task, the batch transfer operation.

Figure 3c is a flow diagram of an embodiment of a batch remittance method of the electronic financial integration service providing method according to the present invention. That is, the flowchart shown in FIG. 3C is for explaining a case where the financial system needs to remit (send money) to a plurality of users and transmits the data to the electronic banking integrated service providing system in a batch. For example, a credit card company (financial system) 20 transfers a card charge (hereinafter, simply referred to as "card deposit") that has been over-deposited to a plurality of users in a batch (referred to as "transfer"). Is applied in the case.

First, the financial system 20 prepares various types of data required for remittance in a full text according to a standard business code and transmits the data to the electronic financial integrated service providing system 30 (402). In this case, the remittance data is not limited to the remittance data for one user, remittance information for a plurality of users is also possible.

The electronic banking integrated service providing system 30 converts the full text into a format required by each banking system 40 after receiving remittance data written in a full text according to a standard business code, and transmits the full text to each banking system 40. (404).

After receiving the remittance data (406), the bank system 40 determines whether the remittance data can be processed in step 408, and if the remittance data is available for remittance, the remittance process is immediately performed (412). In the case of a remittance request, the remittance request is transmitted to the bank system (410) so that the remittance processing can be performed (412).

Meanwhile, when the remittance process is completed, the bank system 40 transmits the processing result to the financial system 20 through the electronic financial integrated service providing system 30 (414). In this case, the processing result transmitting process (414 to 418) is the same as the processing result transmitting step (208 to 212) described in Figure 3a will be omitted.

In this case, the user may receive the money after checking the remittance amount deposited in his or her account through the customer terminal 10 or the bank window (420).

Next, with reference to Figure 3d will be described a fourth task, a batch direct debit task. In this case, the lump-sum direct debit service refers to a task in which the financial system transfers cash from the corresponding account on the date when the user requests to automatically transfer cash on a certain date.

Figure 3d is a flow chart of an embodiment of a batch automatic transfer method of the electronic banking integration service providing method according to the present invention. That is, the flowchart illustrated in FIG. 3D is for explaining a case in which the financial system transfers funds from the account of the user who applied for direct debit to the direct debit date. For example, a user using a credit card company (financial system) When the credit card company (financial system) 20 (hereinafter referred to simply as the "financial system") transfers funds from the user's bank account on the transfer date when the user applies for direct debit service on a fixed date for the payment amount. Applied method.

First, the user applies for a direct debit service to the financial system 20 (502). In this case, the financial system 20 may register the direct debit for the user, and may register the corresponding information in the KFTC (504). In addition, the user may request the bank system 40 to transfer a certain amount to the financial system 20 on the transfer date, and the bank system 40 that receives the request registers the transfer information. On the other hand, the batch direct debit registration may be a monthly recurring transfer application, or may be a reservation transfer registration to be transferred only once per the due date.

When the direct debit date or the scheduled debit date in the state of direct debit is registered, the financial system 20 writes the full text of the debit payment invoice as a standard business code and transmits it to the electronic financial integrated service providing system 30 (506). ).

The electronic banking integrated service providing system 30 converts the full text created and transmitted according to the standard business code into a special format of the bank system 40 to which the user applied for direct debit, and then converted the full text to the corresponding bank system 40. 508 is transmitted.

After receiving the full text of the request for direct debit payment request, the bank system 40 checks whether the direct debit is possible and performs a direct debit from the user's account to the account of the financial system in case of a legitimate direct debit request (510). ).

Meanwhile, when the direct debit processing is completed, the bank system 40 transmits the processing result to the financial system 20 through the electronic financial integrated service providing system 30 (512). In this case, the transfer process result transfer process (512 to 516) is the same as the process result transfer step (208 to 212) described in Figure 3a will be omitted.

Finally, referring to FIG. 3E, the fifth task, the real direct debit task, will be described. In this case, the real direct debit business refers to a business in which the financial system immediately transfers cash from the account when the user requests to immediately transfer from his account.

Figure 3e is a flow diagram of an embodiment of a real automatic transfer method of the electronic banking integration service providing method according to the present invention. That is, the flowchart shown in FIG. 3E is for explaining a case in which the financial system 20 directly transfers funds from the account of the user who applied for real debit, and for example, a user who uses a credit card company (financial system) This method is applied when the financial system 20 directly transfers the funds from the user's bank account when the bank card is requested to transfer the payment amount directly from the bank account before the credit card payment date or in the overdue state. In this case, the process illustrated in FIG. 3A illustrates a method in which the user immediately repays the payment amount through the virtual account, and the process illustrated in FIG. 3E illustrates a method in which the user immediately repays the payment amount through his / her bank account. It is shown.

First, the user applies for a real direct debit service to the financial system 20 (502).

Receiving the real direct debit service request (604), the financial system 20 writes the full text of the real debit payment bill as a standard business code and transmits it to the electronic banking integrated service providing system 30 (606). .

The electronic banking integrated service providing system 30 converts the full text created and transmitted according to the standard business code according to the full text format of the bank system 40 to which the user applied for real debit, and then converted to the corresponding bank system 40. The full text is sent (608).

After receiving the full text of the real debit payment request request, the bank system 40 checks whether the direct debit is possible and performs a direct debit from the user's account to the account of the financial system in case of a legitimate direct debit request. 610).

When the real direct debit processing is completed, the bank system 40 transmits the processing result to the financial system 20 through the electronic financial integrated service providing system 30 (612). At this time, the transfer process result transfer process (612 to 616) is the same as the process result transfer step (208 to 212) described in Figure 3a will be omitted.

On the other hand, the process described in Figures 3a to 3b each includes a characteristic process, the basic work flow is made through the process shown in Figure 2b. That is, the financial system 20 automatically writes a full text according to a standard business code according to a user's request or a business system, and transmits the full text to the electronic financial integrated service providing system 30. The system 30 converts the full text written according to the standard business code into a form suitable for the format of the bank system 40 so as to perform the corresponding work. On the contrary, by converting the full text transmitted from each bank system 40 into a standard business code and transmitting it to the financial system 20, the corresponding work can be performed.

Accordingly, the basic business flow shown in FIG. 2B may be applied to all the tasks that may be performed between the financial system 20 and the bank system 40 as well as the business process illustrated in FIGS. 3A to 3E.

That is, the present invention is not limited to the above-described embodiments, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

The present invention as described above can be applied to each financial system, so that each financial system does not need to establish a separate system for processing business with a plurality of banking systems, it is possible to reduce the cost of facility construction and management In addition, there is an excellent effect that the work can be done quickly.

Claims (4)

In the electronic banking integrated service providing system 30 applied to the electronic banking service providing system including the financial system 20 and the banking system 40, A system integration gateway 31 for communicating with the financial system 20 or the bank system 40 via a network; A failure management unit 32 for managing a failure occurring in a communication process with the financial system 20 or the banking system 40 through the system integration gateway 31; A conversion unit (33) for performing an automatic conversion or encryption function on the telegram transmitted from the financial system (20) or the bank system (40); An access manager 34 for performing log management on the financial system 20 or the bank system 40; And The respective units 31, 32, 33, and 34 are controlled to process the business in response to the business processing request from the financial system 20 or the bank system 40, and the processed business results are displayed in the financial system ( 20) or an integrated service unit 35 for controlling the units 31, 32, 33, 34 for transmission to the bank system 40; Electronic financial integrated service providing system comprising a. The method of claim 1, Monitoring to perform at least one of environment setting, service monitoring, and fault record management for the integrated service unit 35 while monitoring the state of performance of each unit 31, 32, 33, 34, 35. Part 38; The integrated operation management solution for each part (31, 32, 33, 34, 35) is built-in, and the administrator policy decision support and the operation and statistics management function of the entire electronic financial integrated service providing system 30 are performed. Operation management unit 36 for; And Data management unit 37 for storing and managing data necessary to perform the functions of the units 31 to 36. Electronic financial integrated service providing system further comprising. In the electronic banking integrated service providing method applied to the electronic banking integrated service providing system 30, A first step of receiving a business processing request by a standardized telegram from the financial system 20; A second step of converting the standardized telegram into a telegram format of a banking system 40 subject to the business processing request; Transmitting the converted telegram to the banking system (40); A fourth step of receiving, from the banking system (40), a result of the processing according to the full text in a full text form according to the format of the banking system (40); And A fifth step of converting the full text of the fourth step into a standardized full text and transmitting the converted full text to the financial system 20 Electronic financial integration service providing method comprising a. The method of claim 3, wherein A sixth step of receiving, from the bank system 40, a real bankbook deposit business processing request using a virtual account in a specialized format of the bank system 40; A seventh step of converting the full text into a standardized full text and transmitting the converted full text to the financial system 20; An eighth step of receiving, from the financial system (20), an approval notification for the business process as a standardized telegram; And A ninth step of converting the standardized telegram into a telegram format of the bank system 40 and transmitting the converted telegram to the bank system 40; Electronic financial integration service providing method further comprising a.