KR20110035556A - Service system and service method for offering financial information using message oriented service - Google Patents

Abstract

PURPOSE: A financial information supplying service system and service method which uses an MOS are provided to obtain desired information without any help of a bank clerk by using customer information and financial information. CONSTITUTION: An MO system server(400) connects an internal system at a bank branch office based on customer information or financial information in an SMS form. The MO system server collects requested customer information and financial information and generates a return message. An SMS system server(500) transmits the collected return message to the mobile communication terminal.

Description

Service System and Service Method for Offering Financial Information using Message Oriented Service}

According to the present invention, when a bank employee who is out of office using MOS (Message Oriented Service) requests customer information and financial information for financial services using SMS (Short Message Service) through his mobile terminal, the received SMS is analyzed. The present invention relates to a financial information providing service system and a service method for providing information desired by a caller through an internal / external system through an SMS or a multi mail service (MMS).

Recently, with the diversification of economic life structure and growing interest in financial technologies, banks are launching various financial products competitively. As a result, loan consultation such as application for loan counseling, conclusion of household loan transaction agreement, and agreement of loan agreement for household liquidity limit, as well as customer management (new consultation, delinquent management, debt management, etc.) according to the duties of bank employees. It is performing a service.

By the way, the consultation and customer management services of the loan business, such as a variety of customer information, such as the credit rating, transaction history of each customer for the performance of the business, and various loan information, such as screening / approval, loan limit, interest rate based on such customer information There is a need for a means of identifying and managing data in batches. In particular, the lending business is based on thorough customer management and the result of loan screening for each bank. Therefore, it is necessary to use the data in the server in the bank branch (or branch office).

Accordingly, the consultation and customer management services of the loan business is a service that can be provided only through the window, and there is a problem that bank employees are subject to time and space restrictions, and the bank employees who are out of the office perform consultation and customer management services of such loan business. In order to do this, you must call a bank branch (or branch) with customer information and financial information necessary for the job, and obtain the desired information only with the help of the visitor. Customer and financial information in the provided server is subject to spatial restrictions that cannot be used freely.

Furthermore, due to these limitations, it is difficult to interoperate with internal systems located at bank branches (or branch offices) in calculating the screening / approval, loan limit, interest rates, etc. of the lending business, and the lending business system reflecting the characteristics of the business to the maximum. The reality is that there is a problem that can not maximize the efficiency of the work is not being made.

Therefore, the present invention has been made to solve the above problems, by using the MOS (Message Oriented Service) to enable the interworking with the internal system located in the bank branch (or branch) from the outside to enable fast and smooth without space constraints It is an object of the present invention to provide a financial information providing service system and a service method that can improve the quality of financial services such as loans by enabling financial services to be performed.

Another object of the present invention is to provide an insider of a branch (or branch) of a bank branch (or branch office) by providing a customer's information and financial information necessary for performing a consultation and customer care service of a financial business by using an MOS (Message Oriented Service). It is to provide financial information providing service system and service method that can acquire information that user wants without help and improve work efficiency and manpower management of outside and insiders.

A feature of the financial information providing service system using the MOS according to the present invention for achieving the above object is a short message service (SMS) received from a mobile communication terminal carried by a mobile worker using a message oriented service (MOS) Based on a request message including at least one of a form of customer information and financial information, at least one of the requested customer information and financial information by accessing an internal system located at a bank branch (or a branch) or interworking with a separate external institution An MO system server that collects and processes one to generate a reply message, and an SMS system that transmits the reply message collected and processed by the MO system server to the mobile communication terminal of the mobile worker in the form of SMS or MMS through a mobile communication network. It is configured to include a server.

Preferably, the MO system server receives an SMS received from the MO service provider server, decrypts the received SMS, and restores the request message based on the user's unique information included in the restored request message. A user verification unit for verifying whether the user (employee) is working in the bank branch (or branch) by matching the previously stored employee information, a request analysis unit analyzing the request message of the user who has been verified, and the analyzed An information collection unit which collects the information requested by the mobile worker by accessing an internal system located at a bank branch (or a branch) or by interworking with a separate external organization based on the result; and using the collected information Create a reply message by processing into a message type (SMS, MMS) applicable to the And the message comprises an information processing system to be transmitted to the SMS server.

Preferably, the MO system server generates an error message according to the generated error as a reply message when an error occurs during processing in each unit (MO message receiving unit, user verification unit, request analysis unit, information collection unit, information processing unit). It further comprises an error processing unit for transmitting to the SMS system server.

Preferably, the SMS system server includes a message type analysis unit for analyzing the type of reply message received from the MO system server and classifying the message into SMS or MMS, and unique or randomly counted unique information for defining the reply message ( Mobile communication of the mobile worker in the form of SMS or MMS through a mobile carrier server together with a transmission number register that defines a unique transmission number of the reply message and a unique transmission number. Characterized in that it comprises a message transmission unit for transmitting to the terminal.

Preferably, the SMS system server encrypts the reply message before transmitting the reply message through the message transmitter and transmits the reply message to the mobile worker terminal through the transmission history storage unit and the mobile communication company server. A transmission result receiving unit for receiving a transmission result together with a unique transmission number, and a transmission result updating unit for updating the transmission status of the stored corresponding message based on the unique transmission number as a transmission result when the transmission result is received. It is characterized by.

A feature of the financial information providing service method using the MOS according to the present invention for achieving the above object is (A) SMS (Short Message Service through a mobile communication terminal using a Message Oriented Service (MOS) from an external bank employee Receiving at least one of a request message of the customer information and financial information in the form of; Collecting the requested information through the request message to transmit a reply message including the collected information to the SMS system server, and (C) replying the reply message sent from the MO system server to the SMS system server. Or a mobile communication terminal corresponding to the detected mobile phone number by classifying into MMS and detecting the recipient mobile phone number. Group is achieved by makin comprising transmitting in the form of SMS or MMS.

Preferably, the request message may be a message written in SMS form based on a predefined search word in a short form according to financial characteristics.

Preferably, the step (B) comprises receiving the received request message in the form of SMS, decoding the received request message and restoring the employee information previously stored based on user's unique information included in the restored request message. Verifying whether the user is a user (employee) working at a bank branch (or a branch) by matching it, and if the information matching the user's unique information is stored in advance, the bank branch (or branch) Collecting the information requested in the request message by accessing the internal system or interworking with a separate external organization; processing the message into a message form applicable to the mobile terminal by using the collected information; And sending the message to the SMS system server.

Preferably, the step (B) may further include generating an error message and a warning message as a reply message and transmitting the error message and the warning message to the SMS system server when an error occurs in the verifying or collecting step.

Preferably, in step (C), when the reply message is received from the MO system server, analyzing the received reply message to classify whether the reply message type is SMS or MMS, and randomly or sequentially to the reply message. Detecting any one of the counted different numbers or codes and defining the unique transmission number of the reply message, encrypting the received reply message, and storing the reply message with the defined unique transmission number. And transmitting the mobile phone to the mobile communication terminal of the mobile worker in the form of SMS or MMS through the mobile communication company server with the unique transmission number, and storing the corresponding correspondence through the transmission result received with the unique transmission number from the mobile communication company server. And updating the transmission status of the message with the transmission result. .

The financial information providing service system and service method using the MOS according to the present invention as described above has the following effects.

First, it is possible to acquire customer information and financial information necessary to conduct financial counseling and customer management services without the help of insiders of bank branches (or branch offices), thereby improving work efficiency and manpower management for outside and insiders. You can.

Second, by using MOS (Message Oriented Service), it is possible to interoperate with the internal system located in the bank branch (or branch) from the outside, so that the customer and financial information stored in the internal system by the bank employees who are out of office are not restricted in space. Financial services such as loan services are possible.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments with reference to the accompanying drawings.

A preferred embodiment of the financial information providing service system and service method using the MOS according to the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but can be implemented in various forms, and only the present embodiments are intended to complete the disclosure of the present invention and to those skilled in the art. It is provided for complete information. Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

1 is a block diagram showing an entire system for a financial information providing service using MOS according to an embodiment of the present invention.

As shown in FIG. 1, the financial information providing service system includes a mobile communication terminal 100, a mobile communication company server 200, a MO service company server 300, a MO system server 400, which are carried by mobile workers. SMS system server 500, and SMS service provider server 600.

In this case, the mobile communication terminal 100 includes a mobile phone or a PDA currently being used, and any device capable of transmitting and receiving SMS or MMS through a mobile communication network can be used.

The MO service company server 300 uses a message oriented service (MOS) to transmit a short message in the form of a short message service (SMS) sent from a mobile communication terminal 100 carried by a mobile worker. Receive from At this time, the received short message is a customer information and financial information request message required to perform the consultation and customer management services of the loan business. For reference, MOS refers to a service that sends an SMS from a mobile phone to a PC or a server and also receives an answer via SMS.

The MO system server 400 collects customer information and financial information requested by the mobile worker by interworking an SMS received from the MO service company server 300 with an internal system located at a bank branch (or a branch), After processing the message form (SMS, MMS) applicable to the mobile terminal to generate a reply message, the SMS system server 500 transmits the processed reply message.

The SMS system server 500 classifies the reply messages collected and processed by the MO system server 400 into SMS or MMS according to the message type, and classifies the reply message information along with the unique transmission number of the SMS service company server 600. To send). The transmission number is a unique code (number) arbitrarily attached to the reply message, which updates the transmission result of the sent reply message and subsequently states the transmission status. Used to figure out. In addition, the reply message information includes the generated reply message as well as the phone number of the mobile terminal to which the reply message is to be received. For reference, it is preferable that the telephone number of the mobile terminal included in the reply message information is the same as the telephone number of the mobile terminal which transmitted the first request message, but it may be different from each other depending on the setting.

Then, the SMS service company server 600 is a mobile communication terminal 100 which is carried by a mobile worker based on the phone number of the mobile terminal through the mobile communication company server 200 in the form of SMS or MMS. Send a reply message containing the information. In addition, the SMS service company server 600 transmits the result of the reply message to the mobile communication terminal 100 received from the mobile communication company server 200 to the SMS system server 500.

Meanwhile, the mobile communication company server 200, the MO service company server 300, and the SMS service company server 600 are servers that provide mobile communication service, MO service, and SMS service, which are currently commonly used. As using the service of the server as it is to interoperate, there is no additional feature, so the detailed description thereof will be omitted.

FIG. 2 is a block diagram illustrating the MO system server of FIG. 1 in more detail.

As shown in FIG. 2, the MO system server 400 includes a MO message receiving unit 410, a user verification unit 420, a human resources director DB 430, a request item analyzing unit 440, and an information collecting unit ( 450, an information processing unit 460, and an error processing unit 480.

The MO message receiving unit 410 receives a request message in the form of SMS from the MO service provider server 300, and decodes and restores the received request message. And the user verification unit 420 is based on the user's unique information (mobile phone number, employee unique number, authentication unique number, etc.) included in the request message restored by the MO message receiving unit 410 Personnel Director DB 430 It is verified whether the user (employee) is working in the bank branch (or branch office) by matching with the employee information previously stored in the bank.

In addition, the request item analysis unit 440 extracts a predefined search word from the request message of the user who has been verified, analyzes the requested financial characteristic information based on the request, and the information collecting unit 450 performs the request. Based on the results analyzed by the item analysis unit 440, the information requested by the mobile worker is collected by accessing an internal system located at a bank branch (or a branch) or interworking with a separate external organization 470.

In addition, the information processing unit 460 processes the message form (SMS, MMS) applicable to the mobile terminal through the mobile communication company server 200 using the information collected by the information collecting unit 450, the processed reply message To the SMS system server 500.

On the other hand, the error processing unit 480, if an error occurs during processing in each unit (410 ~ 460) generates an error message according to the response message and transmits to the SMS system server 500.

As an exemplary embodiment, the error processing unit 480 may first check a bank branch (or a branch) when the verification result of the user verification unit 420 does not match with the employee information previously stored in the HR book DB 430. It determines that it is not a working user (employee) and transmits a reply message, “I am an unauthorized user” as an error message to the SMS system server 500. In addition, if the analysis of the analysis result request message analyzed by the request analysis unit 440 is not performed correctly, a reply message “Incorrect creation of the request message” is returned as an error message to the SMS system server 500. send. In addition, when requesting information that is not provided when collecting information requested by interworking with internal / external systems based on the result analyzed by the information collecting unit 450, “Your request is not prepared.” If the error message is not collected, “An error occurred while collecting from the system. Please request again ”error message,“ Service timed out ”error message if the service time of the internal / external system has timed out, or“ Data not accurate ”if incorrect data is collected. Generates as a reply message and transmits it to the SMS system server 500. In addition, various error messages can be generated.

As shown in the above embodiment, the error processing unit 480 generates an error message according to an error occurring in each of the units 410 to 460 and requests a mobile terminal 100 of a user (employee) who has requested from the outside as a reply message. By providing this, the user (employee) waiting for a reply message is prevented from waiting for a long time due to a system error.

3 is a block diagram illustrating the SMS system server of FIG. 1 in more detail.

As shown in FIG. 3, the SMS system server 500 includes a message type analyzer 510, a transmission number obtaining unit 520, a transmission number DB 530, a transmission history storage unit 540, and a transmission history. And a DB 550, a transmission result updater 560, a message transmitter 570, and a transmission result receiver 580.

The message type analyzer 510 analyzes the reply message information received from the MO system server 400 and classifies the message into SMS or MMS.

The transmission number numbering unit 520 defines unique information (number, code) (hereinafter referred to as a 'unique transmission number') for defining the reply message in the reply message. In this case, the unique transmission number is used by detecting different numbers or codes that are randomly or sequentially counted in the transmission number DB 530.

In addition, the transmission history storage unit 540 encrypts the reply message, and stores the reply message with the unique transmission number defined in the transmission number obtaining unit 520 in the transmission history DB 550.

Subsequently, the message transmission unit 570 transmits the reply message encrypted in the transmission history storage unit 540 to the unique transmission number defined by the transmission number obtaining unit 520 and the message type classified by the message type analyzer 510. When the message is sent to the SMS service provider server 600, the SMS service provider server 600 transmits the reply message to the caller mobile terminal 100 through the mobile communication company server 200.

The transmission result receiver 580 receives the transmission result of the reply message transmitted from the SMS service provider server 600 through the mobile communication company server 200. In this case, the received transmission result includes a unique transmission number defined in the reply message.

Therefore, the transmission result update unit 560 updates the status of the corresponding message stored in the transmission history DB 550 based on the unique transmission number to the completion of transmission. When an error occurs in the message transmission, the following table 1 is used. The non-transfer reason code is updated together.

Not transferable

Contents
Power off terminal
The receiver's terminal is off
Terminal Message Full
Exceeded message storage on the receiver's device
Shaded area
If you're in an area where you can't receive messages
Message expired
Do not receive messages due to power off or shaded areas
Exceeding 24 hours
Phone number error (unregistered member)


Since the abnormal caller mobile terminal (100)
Security checks should be carried out immediately.

Opt out of messages
SMS (MMS) service disabled terminal
Non-payment of basic fee

The reason for checking and storing the transmission status of the reply message is that it can be used to prevent accidents caused by financial information services in the future.

Meanwhile, the mobile telecommunication company server 200 and the MO service company server 300 are separate servers from an internal system located at a bank branch (or a branch), and have a server that provides a mobile communication service and a MO service. Used in conjunction with each other. In addition, the MO system server 400 and the SMS system server 500 may be separated from an internal system located at a bank branch (or a branch) like the mobile service provider server 200 and the MO service company server 300. Although it may be constructed and used, it should be noted that it may be included in an internal system located at the bank branch (or branch office).

The operation of the financial information providing service system using the MOS according to the present invention configured as described above will be described in detail with reference to the accompanying drawings. The same reference numerals as FIGS. 1 to 3 refer to the same members performing the same functions.

4 is a flowchart illustrating the overall operation for the financial information providing service using the MOS according to an embodiment of the present invention.

Referring to FIG. 4, first, a bank employee uses an SMS (Message Oriented Service) through a mobile communication terminal 100 which he carries for the purpose of consulting and performing customer management services in a financial business. Short Message Service) sends customer information and financial information request message. The request message transmitted as described above is transmitted to the MO system server 400 through the MO service provider server 300 through the mobile communication company server 200 (S100). In this case, the processes of the mobile communication company server 200 and the MO service company server 300 are generally known techniques, and thus detailed description thereof will be omitted.

On the other hand, in order to transmit the request message in the form of SMS (Short Message Service) through the mobile communication terminal 100 carried by the mobile worker is possible only through a very short short text. Therefore, as shown in the following Table 2, a short form search word according to the financial characteristics of the requested information is defined in advance, and based on this, the mobile worker writes a request message in the SMS form, so that the short It is possible to prepare the necessary message for customer information and financial information.

search word Input value Request Content
employee
Information
Employee name -Purpose: Look up employee's phone number
-From: Employee Information Hong Gil-dong
-Receive: Press the call button is connected to Hong Gil-dong.
customer
Search
Phone number -Purpose: To judge whether the customer is by phone number (mobile, business place, home)
-From: Customer Search 024121377
-Received: Short information such as customer name, customer number and new date
customer
Information
Customer number -Purpose: Look up detailed information of customer
-From: Customer Information 12345678
-Received: Detailed information such as customer name, customer number, female / receiving status
account
Information
Account Number -Purpose: Inquiry on details and overdue status of accounts
-From: Account Information 123456789012
-Received: Customer name, new date, balance, overdue information, payment
Repayment
prediction
Expected date of account number repayment -Purpose: Inquiry of repayment amount (uninterested interest, late fee) of future date
-From: Repayment Deposit 123456789012 20091220
-Received: Customer name, new date, balance, reimbursement information, payments, etc.
deal
Breakdown
Account Number -Purpose: Retrieve 5 final transactions of the account
-From: Transaction History 12345678901
-Received: 5 transaction details
consulting
Breakdown
Customer number -Purpose: Retrieve 5 final consultations with customers
-From: Transaction 12345678
-Receipt: 5 consultation details
Preferential treatment
limit
Social Security Number -Purpose: Inquiry of customer's tax limit (for deposit)
-From: Preferential Road 71080310061234
-Received: Customer name, preferential remaining limit
credit
Information
Social Security Number -Purpose: Client's credit information inquiry (for loan)
-From: Credit Information 7108031006123
-Received: Customer Name, Credit Rating, Overdue Information

Subsequently, the MO system server 400 receives the request message in the form of SMS from the MO service provider 300 and based on the caller's phone number or user's unique information (employee unique number, authentication unique number) included in the received request message. Verify the user (employee) with It collects the information (customer information and financial information) required by the user in connection with the internal / external system, processes it into a message format (SMS, MMS) applicable to the mobile terminal and generates a reply message. Then, the processed reply message is transmitted to the SMS system server 500 (S200). In this case, the operation of the MO system server 400 will be described in detail below with reference to FIG. 5.

Next, the SMS system server 500 classifies the reply messages collected and processed by the MO system server 400 into SMS or MMS according to the message type, and the SMS service company server 600 together with the unique transmission number of the reply message. To send). Then, the transmission result of the reply message received from the SMS service provider server 600 is received and the transmission state of the reply message is stored (S300). In this case, the operation of the SMS system server 500 will be described in detail below with reference to FIG. 6.

Then, the SMS service company server 600 is a mobile communication terminal 100 which is carried by a mobile worker through a mobile communication company server 200 and a reply message including customer information and financial information in the form of the classified SMS or MMS. Send (S400). The transmission result of the reply message received from the mobile communication company server 200 is transmitted to the SMS system server 500 together with the unique transmission number of the reply message.

5 is a flowchart illustrating in detail the operation of the MO system server during the entire operation for the financial information providing service using the MOS according to an embodiment of the present invention.

Referring to FIG. 5, the MO system server 400 first receives an SMS-type request message received from the MO service provider server 300, and decodes and restores the received request message. And based on the user's unique information (mobile phone number, employee unique number, authentication unique number, etc.) contained in the restored request message and match the employee information previously stored in the HR ledger DB 430 bank branch (or branch) Verifies whether or not the user (employee) working in (S210).

As a result of the verification, when there is no information matching the user's unique information in the HR book manager DB 430 (S220), the MO system server 400 is a user (employee) who works at a bank branch (or a branch) If not determined to generate a reply message "is an unauthorized user" as an error message through the error processing unit 480 and transmits to the SMS system server (500) (S230).

In addition, when the verification result, there is information that matches the user specific information in the HR chairman DB (430) (S220), the MO system server 400 is predefined in the request message through the request item analysis unit 440 Extracts the search term and analyzes the requested financial characteristic information. In addition, the information collection unit 450 accesses an internal system located in a bank branch (or a branch) based on the analyzed result or interoperates with a separate external institution 470 (S240) in the request message. Collect the requested information (S250).

Subsequently, the MO system server 400 processes the message format (SMS, MMS) applicable to the mobile terminal using the collected information through the information processing unit 460, and converts the processed reply message into an SMS system server ( 500) (S260). At this time, the message type (SMS, MMS) is set according to the characteristics of the requested information. If the response of the requested information is possible as a short text, it is set by processing in the form of SMS, and the image file such as a picture or a photo Alternatively, if it is difficult to answer all of the requested information in a short text, it is set by processing in the form of MMS. In addition, the basic form of the message form is determined according to the form in advance, it is preferable that the information collected in the predetermined form is processed into a form that is additionally inserted.

On the other hand, the MO system server 400, if an error occurs during the analysis and collection process in the request analysis unit 440, the information collection unit 450 through the error processing unit 480, the error message and warning message accordingly By generating a reply message and transmitting it to the SMS system server 500, a long wait due to a system error is prevented to a user (employee) waiting for a reply message.

6 is a flowchart illustrating in detail the operation of the SMS system server during the entire operation for the financial information providing service using the MOS according to an embodiment of the present invention.

Referring to Figure 6, the SMS system server 500 is first collected by the message requested from the MO system server 400 and the user unique information (mobile phone number, employee unique number, authentication unique number, etc.) If a reply message including a message is received (S310), the message type analyzer 510 analyzes the reply message received and classifies the message as an SMS or MMS (S320).

Subsequently, the SMS system server 500 detects any one of different numbers or codes which are randomly or sequentially counted in the transmission number DB 530 in the reply message through the transmission number obtaining unit 520 and returns the reply message. This is defined as unique transmission number in.

The SMS system server 500 encrypts the reply message through the transmission history storage unit 540 and stores the reply message with the unique transmission number defined in the transmission history DB 550. The reply message is transmitted to the SMS service provider server 600 together with the unique transmission number and the classified message types (SMS and MMS) (S340).

Then, the SMS service company server 600 is a mobile communication terminal 100 which is carried by a mobile worker through a mobile communication company server 200 and a reply message including customer information and financial information in the form of the classified SMS or MMS. In this case, the SMS service provider server 600 transmits the transmission result of the reply message received from the mobile communication company server 200 to the SMS system server 500 together with the unique transmission number of the reply message.

Therefore, the SMS system server 500 updates the transmission state of the corresponding message stored in the transmission history DB 550 through the transmission result received from the SMS service company server 600 (S350).

For reference, since the MO service provider and the SMS service provider necessarily encrypt and transmit a message when transmitting and receiving a message, in the present invention, all data is encrypted in a message transmission and reception destination made by the MO service provider server 300 and the SMS service provider server 600. .

As such, when the bank employee who is out of office transmits the information request SMS to the MO system server 400 using his mobile terminal 100, the MO system server 400 analyzes the received SMS to request the bank employee. By providing information through SMS or MMS in conjunction with internal / external systems, mobile workers can obtain financial and customer information they want without the help of insiders.

Although the technical spirit of the present invention described above has been described in detail in a preferred embodiment, it should be noted that the above-described embodiment is for the purpose of description and not of limitation. In addition, those skilled in the art will understand that various embodiments are possible within the scope of the technical idea of the present invention. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

1 is a block diagram showing an entire system for a financial information providing service using MOS according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating the MO system server of FIG. 1 in more detail.

3 is a block diagram illustrating in more detail the SMS system server of FIG.

4 is a flowchart illustrating an overall operation for a financial information providing service using MOS according to an embodiment of the present invention.

5 is a flowchart illustrating in detail the operation of the MO system server during the entire operation for the financial information providing service using the MOS according to an embodiment of the present invention;

6 is a flowchart illustrating in detail the operation of the SMS system server during the entire operation for the financial information providing service using the MOS according to an embodiment of the present invention.

DESCRIPTION OF THE REFERENCE NUMERALS

100: mobile worker terminal 200: mobile operator server

300: MO service provider server 400: MO system server

410: MO message receiving unit 420: user verification unit

430: HR head DB 440: request analysis unit

450: information collecting unit 460: information processing unit

470: internal / external system 500: SMS system server

510: message type analysis unit 520: transmission number

530: transmission number DB 540: transmission history storage

550: Transmission history DB 560: Transmission result update unit

570: message transmitter 580: transmission result receiver

600: SMS service provider server

Claims (13)

A bank branch (or a branch) based on a request message including at least one of customer information and financial information in the form of a short message service (SMS) received from a mobile terminal carried by a mobile worker using a message oriented service (MOS). MO system server accessing the internal system located in the) or by interworking with a separate external organization to collect and process at least one of the requested customer information and financial information to generate a reply message, Providing financial information using the MOS, characterized in that it comprises an SMS system server for transmitting a reply message collected and processed in the MO system server to the mobile communication terminal of the mobile worker in the form of SMS or MMS via a mobile communication network Service system. The method of claim 1, wherein the MO system server is A MO message receiving unit for receiving an SMS received from the MO service provider server and decoding the received SMS to restore a request message; A user verification unit for verifying whether a user (employee) works at a bank branch (or a branch office) by matching with previously stored employee information based on the user's unique information included in the restored request message; A request analysis unit for analyzing a request message of a user whose verification has been completed; An information collection unit which collects the information requested by the mobile worker by accessing an internal system located at a bank branch (or a branch) or interworking with a separate external organization based on the analyzed result; MOS characterized in that it comprises an information processing unit for generating a reply message by processing the message form (SMS, MMS) applicable to the mobile terminal using the collected information, and transmits the generated reply message to the SMS system server Financial information service system using. The method of claim 2, The MO system server generates an error message according to the generated error as a reply message when an error occurs during processing in each unit (MO message receiving unit, user verification unit, request analysis unit, information collection unit, information processing unit). Financial information providing service system using the MOS, characterized in that it further comprises an error processing unit for transmitting to the system server. The system of claim 1, wherein the SMS system server is A message type analysis unit analyzing the type of reply message received from the MO system server and classifying the message into SMS or MMS; A transmission number serialization unit defining randomly or sequentially counted unique information (number, code) for defining the reply message as a unique transmission number of the reply message; And a message transmitter which transmits the reply message to the mobile communication terminal of the mobile worker in the form of SMS or MMS through a mobile communication company server with a defined unique transmission number. The system of claim 4, wherein the SMS system server is The transmission history storage unit encrypting the reply message before storing the reply message through the message transmitter, and storing the reply message together with the unique transmission number; A transmission result receiver which receives the transmission result transmitted to the mobile worker terminal through the mobile communication company server together with the unique transmission number; If the transmission result is received, the financial information providing service system using a MOS further comprises a transmission result update unit for updating the transmission state of the stored corresponding message based on the unique transmission number as a transmission result. The method according to claim 2 or 4, The user unique information is a financial information service system using MOS, characterized in that any one of a mobile phone number, employee unique number, authentication unique number. (A) receiving at least one of a customer information and a financial information request message in the form of a Short Message Service (SMS) through a mobile communication terminal using a message oriented service (MOS) from an external bank employee; (B) receiving the SMS-type request message from the MO system server, verifying a user (employee), collecting the requested information through the request message in association with internal / external systems, and collecting the collected information to the SMS system server. Sending a reply message containing the information; (C) the SMS system server classifies the reply message sent from the MO system server into SMS or MMS, detects the recipient mobile phone number, and classifies the reply message to the mobile communication terminal corresponding to the detected mobile phone number. Financial information providing service method using a MOS comprising the step of transmitting in the form of MMS. The method of claim 7, wherein The request message is a financial information providing service method using a MOS, characterized in that the pre-definition of the search word in the form of short form according to the financial characteristics, based on this message written in SMS form. The method of claim 7, wherein step (B) Receiving the received request message in the form of SMS, and decoding and restoring the received request message; Verifying whether a user (employee) works at a bank branch (or a branch office) by matching the previously stored employee information based on the user's unique information included in the restored request message; As a result of the verification, when information matching the user's unique information is stored in advance, the information requested in the request message is collected by accessing an internal system located at a bank branch (or a branch) or interworking with a separate external organization. Steps, And processing the message into a message form applicable to the mobile terminal by using the collected information, and transmitting the processed reply message to an SMS system server. The method of claim 9, The message type is a financial information providing service method using a MOS, characterized in that consisting of the SMS form and MMS form. The method of claim 9, In the processing of the message form, the basic form of the message form is determined according to its form in advance, and the financial information providing service method using MOS, wherein the collected information is inserted into a predetermined form. . The method of claim 9, wherein step (B) If an error occurs in the verifying or collecting step, generating an error message and a warning message according to the reply message and transmitting to the SMS system server, characterized in that it further comprises the step of providing a financial information service using MOS . 8. The method of claim 7, wherein step (C) When the reply message is received from the MO system server, analyzing the received reply message and classifying whether the reply message type is SMS or MMS; Detecting any one of different numbers or codes that are randomly or sequentially counted in the reply message and defining a unique transmission number of the reply message; Encrypting the received reply message, storing the reply message with the defined unique transmission number, and transmitting the SMS to the mobile communication terminal of the mobile worker in the form of SMS or MMS through the mobile communication company server together with the unique transmission number. To do that, And updating the transmission state of the stored corresponding message with the transmission result through the transmission result received with the unique transmission number from the mobile communication company server.

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