KR20040092128A - Electoronical Banking Direct Payment Gateway System - Google Patents

Abstract

PURPOSE: A real-time account system for electronic banking using the wire/wireless communication is provided to realize smooth cash-flow of customers by depositing cash to a member shop simultaneously with settlement, diversify markets of a card company by maximizing a card use portion, and plan smooth flow and stable profit of a banking market by inducing deposit/loan customers stably. CONSTITUTION: A member shop(10) requests card certification to a VAN(Value Added Network) company(20) through a card holder and a terminal. The VAN company transmits certification data of the card company(30) to the real-time account system(40) in real-time. A risk for the transmitted certification data is analyzed/determined by an RMS(Risk Management System,50) and the determined information is transmitted to a capital company. After approval and real-time account for the certification data, the corresponding information is informed to the member shop.

Description

Electronic banking instant payment system using wired and wireless communication {Electoronical Banking Direct Payment Gateway System}

The present invention has a financial difficulty until the employer uses the cash due to the process of approving the card slip through the VAN and the settlement of cash after a period of 7 to 14 days through the VAN when the card sales occur in the credit card merchants. It was a reality.

In particular, credit card companies have no choice but to accept risky financial sales because they have no choice but to accept the sales of bad credit card holders.

Accordingly, in accordance with the present invention, the instantaneous payment processing technology of the electronic banking system allows merchants to deposit cash through a certain process immediately upon sales, thereby actively cashing off customers' cash flow, and the credit card company maximizes the use of credit cards. Market can be strengthened, and the financial sector quickly processes cash flows that can generate a stable flow and stable profits by attracting stable lending customers. Credit card merchants, credit card companies, financial capital, banks The new financial infrastructure, which can satisfy such demands, will greatly reduce the time, manpower, cash flow, and overall expenses of financial processing by improving business sales, securing cash flow smoothly, and speeding up the processing process.

1 is a block diagram of a business process of an electronic banking instant settlement system of the method according to the present invention;

2 is a block diagram illustrating a cache business process of an electronic banking instant settlement system of a method according to the present invention;

3 is an overall business flow chart of the electronic financial instant payment system of the method according to the present invention;

4 is an embodiment flow chart required for the RMS of the instantaneous electronic payment system of FIG.

5 is a loan history screen for each VAN company of the instant electronic payment system of the method according to the present invention,

6 is a loan history screen for each CP company of the instant electronic payment system of the method according to the present invention,

Figure 7 is a loan history screen by card company of the instant electronic payment system of the method according to the present invention,

8 is a loan approval ERROR screen of the electronic financial instant payment system of the method according to the present invention.

In order to achieve the above object, the present invention provides a computer with information necessary for the instantaneous electronic banking processing between the operator and the user. VAN), the network system should be provided, and the user must provide the electronic banking instant payment system through the communication terminal system such as general computer, card terminal, mobile phone, PDA, etc. Step S10; Through the merchant agreement and membership through, Host communication connection (VAN) step 20; Attempt to connect to the VAN network through the terminal type is a management step (S30) by the card terminal, wireless, PDA, etc .; Request a connection for the card slip authentication to the VAN network through the VAN connection step (S40); If the connection is allowed through the next step, otherwise Host communication connection (VAN) step (S20); Tries to connect.

If VAN access is allowed, VAN authentication code analysis step (S50); Analyzing and authenticating an authentication code connected to the VAN via a database (S51); After analyzing the authentication code contracted through the corresponding information immediately payment system operation step (S60); The authentication file is transmitted by the received data analysis step (S70); After analyzing the code through the DB generation step (S71); Create a new database.

The generated database is RMS execution step (S80); Database step (S81) in determining the degree of risk of the information through; The RISK diagnosis and inspection is performed according to the allowable diagnosis rule defined in the present invention and the analysis information is transmitted in real time or in a batch file, and the information analyzed by the RMS execution is the capital immediate payment (credit) staff (S90); After evaluating the credit rating of the merchant through the RMS analysis (secondary credit evaluation) step (S100); If the eligible merchant information through the Capital payment step (S110); After completing the final approval of the information through the payment completion step (S120); Complete the remittance to the merchant account registered through, the approval history notification step (S121); Send to the affiliated store through, End step (S130); Through the payment process for the requested information is terminated.

As another feature of the present invention, the electronic financial immediate settlement system is a card slip through the risk management system through the database of the asset size and sales information of the merchant to manage the risk of the card holder and credit risk of the merchant card By preventing the insolvency of the company and preventing the authentication of the false sales slip, it provides the effect of prompt business processing in fulfilling its original purpose.

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

1 is a block diagram of a business process of an electronic financial instant payment system of the method according to the present invention.

The present invention implements a process diagram of the operation when operating the financial sector electronic banking instant payment system, first affiliated store (10); A VAN 20 through a card holder and a terminal (card terminal, wireless mobile phone, PDA, etc.); Requesting card authentication through a contractor, a credit card company 30; VAN through the credit card information of the instantaneous payment system 40 for the agreed authentication data; The authentication data transmitted is transmitted to the RMS system 50; After analyzing the degree of RISK by the immediate determination of capital (60); Transferred to the CP through the process of capital settlement (70); It is a technology of the electronic financial immediate payment system that notifies the relevant information after completing the approval and payment for the initial certification through the process.

2 is a schematic diagram illustrating a cache business process of an electronic banking instant settlement system of a method according to the present invention.

The present invention expresses the cash process process of the electronic banking settlement system in the financial sector, and enables the processing and service on the same day, beyond the conventional method that has been processed through a certain period through the merchant, VAN company, credit card company, Capital company and RMS system. Technology provided.

3 is an overall business flowchart of an electronic banking instant payment system of the method according to the present invention.

The present invention is a member affiliated to the merchant (S10) as a system capable of instant payment processing as a financial system electronic financial immediate payment system; Sign up and host communication connection through the VAN (S20) ~ (S51); Analyzing the authentication request and the authentication code through the immediate payment system operation (S60); To execute, received data analysis (S70) ~ (S100); Through the process of analyzing the corresponding information and risk management through the information of the authentication information, the payment information (S110) ~ (S130); Electronic financial instant payment system technology to be processed through the process of.

FIG. 4 is an embodiment flowchart required for RMS of the electronic banking instant settlement system of FIG. 3.

The present invention is a flow chart illustrating a process of performing a risk management system as an electronic financial immediate settlement system for a financial sector, starting with the START startup of the execution system (S200); After starting the user risk analysis through the VAN authentication code analysis step (S50); Receiving data analysis step S201 of the result detected through the reception; Collect data through the, DB generation step (S300); After generating DB of the received information through the RMS execution step (S202): risk diagnosis and analysis through, RISK analysis step (S203); if the analysis through the merchant DB search step (S204); Otherwise, the END step (S205); The RISK analysis task is terminated through

Merchant DB search process, first, the member information DB step (S400); After establishing the information of the card holder through 5 levels, establishing 5 levels of rating information based on merchant credit evaluation, and establishing the Trans Data Update and update information database, the Choice? Step S210; Priority processing can be selected through, first card holder RISK step (S211); Manages the credit information of the credit card holder, the card usage information analysis step (S212); Analyze the card usage and transaction performance through the credit status step (S213); If the credit status is good through the credit rating analysis step (S214); After analyzing the credit status in the credit evaluation results DB step (S215); After the corresponding result information is stored and updated in the database, the process is terminated through the END step (S216). If the credit status is bad, the risk card alarm step (S220); END step (S221) after the alarm warning of the dangerous state of the card information; End the process through.

Also Choice? Step S210; Merchant credit RISK step (S250) selected through; Manages the transaction results and credit information of the card merchant, merchant credit information analysis step (S251); Analyzing the card usage records and merchant transaction results through the credit status step (S252); If the transaction performance and credit status is good through the credit rating analysis step (S253); After analyzing the credit status in the credit rating DB step (S254); Storing and updating the corresponding result information in a database, and analyzing the merchant sales trend analysis step (S255); After carefully analyzing the sales trend of the merchant and analyzing the abnormal symptoms through the END step (S256); the process is terminated through, if the credit status is poor risk merchant alarm step (S260); END step (S261) after the alarm warning of the dangerous state of the affiliated store through; End the process through.

5 is a loan history screen for each VAN company of the instant electronic payment system of the method according to the present invention.

The present invention is to manage the details of the loan progress for each VAN company as an electronic financial immediate settlement system, loan date, merchant name, card company, loan classification, transaction number, transaction amount loan amount, remittance amount, current security fee status and cancellation information, etc. It is a system that enables the management of transaction performance by VAN company by managing.

Figure 6 is a screen of the CP farewell loan history of the electronic financial instant payment system of the method according to the present invention.

The present invention is to manage the details of the loan progress for each CP company with the electronic financial immediate payment system loan date, merchant name, card company name, loan classification, transaction number, transaction amount loan amount, remittance amount, current security fee status and cancellation information, etc. It is a system that enables the management of the transaction performance by CP due to the management.

7 is a loan management screen for each card company of the electronic financial instant payment system of the method according to the present invention.

The present invention is to manage the details of the loan progress by each card company with the electronic financial immediate payment system loan date, merchant name, card company name, loan classification, transaction number, transaction amount loan amount, remittance amount, current security fee status and cancellation information It is a system that enables management of transaction performance by card companies.

8 is a loan approval ERROR management screen of the electronic financial instant payment system of the method according to the present invention.

The present invention is an electronic financial immediate settlement system ERROR occurrence information of the transaction information sent from the VAN company VAN company, merchant ID, transaction date, net number, classification, approval number, transaction amount, card company, transaction time, error reason information, etc. This is a technology that provides the ability to modify and delete the information by checking the reason for the error due to the loan approval.

The effect of the present invention is possible to apply the operation of credit card merchants, credit card companies, financial capital companies, etc. in the financial sector ranging from the operator and user of the electronic banking instant payment system, customers, and provides optimal financial services through registration of each merchant unit The electronic financial instant payment system that can be supported is provided to the capital company through a request for performance through wired and wireless (mobile phone, PDA) terminals and the RISK diagnosis and analysis of the merchant through the electronic financial instant payment system. As the system is constructed and processed, it is very effective in terms of time, resources, manpower, and expenses required for financial settlement business, and in particular, all processes are handled through risk management, so that the business process can be processed quickly, stably and efficiently. The emergence of an electronic finance instant payment system aiming at high efficiency will be very timely. All.

It is apparent to those skilled in the art that the present invention is not limited to the embodiments described, and that various modifications and variations can be made without departing from the spirit and scope of the present invention. Therefore, such modifications or variations will have to belong to the claims of the present invention.

Claims (3)

The instantaneous electronic banking payment system provides a method for providing the information necessary for the instantaneous electronic banking system between the operator and the user on a computer: The operator of the present invention should be equipped with a HOST computer, a database computer, a wired access system (VAN), and a network system required for an electronic financial immediate settlement system, and a user can use a communication terminal system such as a general computer, a card terminal, a mobile phone, and a PDA. In providing the electronic banking instant payment system through, first start the system START start affiliated member registration step (S10); Through the merchant agreement and membership through, Host communication connection (VAN) step 20; Attempt to connect to the VAN network through the terminal type is a management step (S30) by the card terminal, wireless, PDA, etc .; Request a connection for card slip authentication to the VAN network through the VAN connection step (S40); If the connection is allowed through the next step, otherwise Host communication connection (VAN) step (S20); Tries to connect. If VAN access is allowed, VAN authentication code analysis step (S50); Analyzing and authenticating an authentication code connected to the VAN via a database (S51); After analyzing the authentication code contracted through the corresponding information immediately payment system operation step (S60); The authentication file is transmitted by the received data analysis step (S70); After analyzing the code through the DB generation step (S71); Create a new database. The generated database is RMS execution step (S80); Database step (S81) in determining the degree of risk of the information through; The RISK diagnosis and inspection is performed according to the allowable diagnosis rule defined in the present invention and the analysis information is transmitted in real time or in a batch file, and the information analyzed by the RMS execution is the capital immediate payment (credit) staff (S90); After evaluating the credit rating of the merchant through the RMS analysis (secondary credit evaluation) step (S100); If the eligible merchant information through the Capital payment step (S110); After completing the final approval of the information through the payment completion step (S120); Complete the remittance to the merchant account registered through, the approval history notification step (S121); Technical processing and operation method that enables online real-time processing such as sending to the affiliated stores through. The instantaneous electronic banking payment system provides a method for providing the information necessary for the instantaneous electronic banking system between the operator and the user on a computer: The instantaneous electronic financial settlement system according to the present invention can manage the risk of the card holder and the credit risk of the merchant through the database of the asset size and sales information of the merchant through the risk management system, thereby preventing the insolvency of the card slip and Operational methods such as preventing the authentication of false sales documents to achieve the original purpose. The instantaneous electronic banking payment system provides a method for providing the information necessary for the instantaneous electronic banking system between the operator and the user on a computer: The present invention is a flow chart illustrating a process of performing a risk management system as an electronic financial immediate settlement system for a financial sector, starting with the START startup of a performance system (S200); After starting the user risk analysis through the VAN authentication code analysis step (S50); Receiving data analysis step S201 of the result detected through the reception; Collect data through the, DB generation step (S300); After generating DB of the received information through the RMS execution step (S202): risk diagnosis and analysis through the RISK analysis step (S203); if the analysis through the affiliated store DB search step (S204); Otherwise, the END step (S205); Terminate RISK analysis through. Merchant DB search process, first, the member information DB step (S400); After establishing the information of the card holder through 5 levels, establishing 5 levels of rating information based on merchant credit evaluation, and establishing the Trans Data Update and update information database, the Choice? Step S210; Priority processing can be selected through, first card holder RISK step (S211); Manages the credit information of the credit card holder, the card usage information analysis step (S212); Analyze the card usage and transaction performance through the credit status step (S213); If the credit status is good through the credit rating analysis step (S214); After analyzing the credit status in the credit evaluation results DB step (S215); After the corresponding result information is stored and updated in the database, the process is terminated through the END step (S216). If the credit status is bad, the risk card alarm step (S220); END step (S221) after the alarm warning of the dangerous state of the card information; End the process through. Also Choice? Step S210; Merchant credit RISK step (S250) selected through; Manages the transaction results and credit information of the card merchant, merchant credit information analysis step (S251); Analyzing the card usage records and merchant transaction results through the credit status step (S252); If the transaction performance and credit status is good through the credit rating analysis step (S253); After analyzing the credit status in the credit rating DB step (S254); Storing and updating the corresponding result information in a database, and analyzing the merchant sales trend analysis step (S255); After carefully analyzing the sales trend of the merchant and analyzing the abnormal symptoms through the END step (S256); the process is terminated through, if the credit status is poor risk merchant alarm step (S260); END step (S261) after the alarm warning of the dangerous state of the affiliated store through; End the process through.