KR20140072652A - Financial Transaction Particulars Memo Method, Financial Institution Server and Financial Transaction Processing System Therefor - Google Patents

Financial Transaction Particulars Memo Method, Financial Institution Server and Financial Transaction Processing System Therefor Download PDF

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Publication number
KR20140072652A
KR20140072652A KR1020120140410A KR20120140410A KR20140072652A KR 20140072652 A KR20140072652 A KR 20140072652A KR 1020120140410 A KR1020120140410 A KR 1020120140410A KR 20120140410 A KR20120140410 A KR 20120140410A KR 20140072652 A KR20140072652 A KR 20140072652A
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South Korea
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financial transaction
memo
customer terminal
financial
registered
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KR1020120140410A
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Korean (ko)
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노현아
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중소기업은행
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Priority to KR1020120140410A priority Critical patent/KR20140072652A/en
Publication of KR20140072652A publication Critical patent/KR20140072652A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a financial transaction history memo method, a financial institution server, and a financial transaction processing system. A financial transaction history providing unit for providing a financial transaction history stored in the database unit to the customer terminal according to a request for financial transaction details of the customer terminal; And a memo management unit for storing financial transaction details in which the memo is registered by the customer terminal, in the database unit.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction history memo method, a financial institution server, and a financial transaction processing system,

The present invention relates to a financial transaction processing system, and more particularly, to a financial transaction history memo method capable of easily and easily managing financial transaction details, a financial institution server, and a financial transaction processing system.

2. Description of the Related Art [0002] With the recent development of mobile communication and multimedia technologies, smart phones that have been miniaturized and made portable for their popularity have become popular. In addition, although customers do not visit financial institutions directly for financial transactions, various methods for conveniently conducting financial transactions using Internet banking or a banking application installed in a smart phone are suggested.

Therefore, even if the user does not visit the financial institution directly, the user can check the details of the financial transaction through the inquiry screen using the banking application installed in the Internet banking or the smart phone.

However, in the past, most financial institutions have limited the number of characters per item of the financial transaction to a maximum of 7 to 8 characters. Therefore, after the user has elapsed a predetermined time, only the contents described in the financial transactions are used And difficulty in remembering the purpose.

Disclosure of Invention Technical Problem [8] Accordingly, the present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a financial transaction history memo method, It has its purpose.

According to a first aspect of the present invention, there is provided a financial transaction processing system comprising: a customer terminal for requesting a financial transaction history and registering a memo received from a customer in a financial transaction history; And a financial institution server for providing financial transaction details to the customer terminal according to a financial transaction details request of the customer terminal and storing financial transaction details registered by the customer terminal.

According to a second aspect of the present invention, there is provided a financial institution server according to the present invention, comprising: a database unit for storing financial transaction details for each customer; A financial transaction history providing unit for providing a financial transaction history stored in the database unit to the customer terminal according to a request for financial transaction details of the customer terminal; And a memo management unit for storing financial transaction details in which the memo is registered by the customer terminal, in the database unit.

According to a third aspect of the present invention, there is provided a method of memorizing financial transaction history according to the present invention, comprising: determining whether a financial transaction history request is received from a customer terminal; Providing financial transaction details to the customer terminal when a financial transaction details request is received from the customer terminal; Receiving a memo from a customer terminal in a financial transaction history; And storing the financial transaction history in which the memo is registered by the customer terminal.

As described above, according to the present invention, it is possible to provide a financial transaction history memo method capable of registering, deleting and modifying a memo with respect to financial transaction details, and a financial institution server and a financial transaction processing system for the memo history memo method. It is easy to understand the history, and it has the effect to manage well.

1 is a block diagram of a financial transaction processing system according to an embodiment of the present invention;
FIG. 2 is a block diagram showing a schematic configuration inside a financial institution server according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating a financial transaction history memo method according to an embodiment of the present invention;
4 is a diagram illustrating a configuration of financial transaction details according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

1 is a block diagram of a financial transaction processing system according to an embodiment of the present invention.

Referring to FIG. 1, a financial transaction processing system according to the present invention includes a customer terminal 110, a financial institution server 120, and the like. Here, the customer terminal 110 may be a mobile phone, a smart phone, a PDA, a PMP, a navigation device, a WiBro terminal, and a telematics device.

The customer executes the financial transaction application installed in the customer terminal 110 and inputs customer information such as an ID, a password and a certificate password to the financial transaction application, and then transmits the customer information to the financial institution server 120 using the customer terminal 110 To inquire financial transaction details. At this time, the customer can inquire the details of the financial transaction by inputting search conditions such as detailed conditions including the total (deposit + withdrawal) and the number of searches, and the inquiry period.

Further, the customer can register the memo in the financial transaction details provided by the financial institution server 120 using the customer terminal 110, and delete or modify the memo registered in the financial transaction details later. At this time, the memo can be inputted in the form of image or text.

The financial institution server 120 may be a server such as a bank, a card company, and an insurance company. In the present invention, a bank server will be described as an example.

The financial institution server 120 authenticates the customer by using the customer information received from the customer terminal 110 and then transmits the financial transaction details to the customer terminal 110 in response to the financial transaction history inquiry request of the customer terminal 110. [ Provide details. Here, the financial transaction details may include a transaction date, a breakdown, a summary, a deposit amount, a withdrawal amount, a balance, a transaction time, a transaction point, and a memo column.

The financial institution server 120 receives a memo in the financial transaction history from the customer terminal 110 and stores the financial transaction history in which the memo is registered by the customer terminal 110. [ Generally, the financial transaction details are stored for a storage period of about one year, and the financial transaction details after the later storage period are deleted. The financial institution server 120 according to the present invention stores the financial transaction details separately from the financial transaction details The customer terminal 110 may permanently store the financial transaction history in which the memo is registered. Therefore, the customer can permanently keep the details of the financial transactions that are important to him through the memo.

Hereinafter, the configuration of the financial institution server 120 according to the present invention and the operation of each component will be described.

2 is a block diagram illustrating a schematic configuration of a financial institution server according to an embodiment of the present invention.

2, the financial institution server 120 according to the present invention includes a communication unit 210, a financial transaction history providing unit 220, a financial transaction processing unit 230, a memo management unit 240, and a database unit 250 .

The communication unit 210 provides a network interface for performing wired / wireless communication with the customer terminal 110.

The financial transaction history providing unit 220 stores the financial transaction details stored in the database unit 250 in the customer terminal 110 according to the financial transaction details request of the customer terminal 110. When the customer terminal 110 requests the financial transaction details using the search condition, the financial transaction detail providing unit 220 searches the database unit 250 for the financial transaction details corresponding to the search conditions, And provides transaction details to the customer terminal 110.

The financial transaction processing unit 230 processes financial transactions such as withdrawal and transfer to a customer account. Accordingly, the customer can deposit money in his / her own account as well as perform financial transactions such as withdrawal, transfer, and payment of the utility bills.

The memo managing unit 240 receives a memo from the customer terminal 110 through the memo of the financial transaction details provided through the financial transaction history providing unit 220 and receives the memo registered by the customer terminal 110 In the database unit 250. In addition, when the customer terminal 110 requests deletion or correction of a memo registered in the financial transaction history, the memo management unit 240 may delete or modify the memo registered in the financial transaction history stored in the database unit 250 .

The database unit 250 may store account information, customer information, and financial transaction details for a plurality of customer accounts. Here, the database unit 250 may store financial transaction details without a memo, that is, general financial transaction details and financial transaction details in which the memo is registered by the customer terminal 110, in different storage areas. To this end, the database unit 250 may be divided into a plurality of storage areas, and may be implemented as an external storage device.

In addition, the database unit 250 may permanently store the financial transaction history in which the memo is registered by the customer terminal 110 separately from the general financial transaction details for which the storage period is determined.

3 is a flowchart illustrating a financial transaction history memo method according to an embodiment of the present invention.

Referring to FIG. 3, the financial institution server 120 determines whether there is a financial transaction history request from the customer terminal 110 (S310). At this time, the customer terminal 110 can request the financial transaction details using the search condition such as the detailed condition including the total (deposit + withdrawal) and the number of searches, and the inquiry period.

The financial institution server 120 provides the financial transaction details to the customer terminal 110 when there is a financial transaction details request from the customer terminal 110 (S320). Here, when the customer terminal 110 requests the financial transaction details using the search condition, the financial institution server 120 may provide the financial transaction details corresponding to the search conditions. For example, when a customer inputs "deposit" as a search condition using the customer terminal 110, the financial institution server 120 provides only the financial transaction details corresponding to "deposit" to the customer terminal 110 . When the customer inputs the "inquiry period" as a search condition using the customer terminal 110, the financial institution server 120 transmits only the financial transaction details corresponding to the " .

Then, the financial institution server 120 receives a memo in the financial transaction history from the customer terminal 110 (S330).

Then, the financial institution server 120 stores the financial transaction history in which the memo is registered by the customer terminal 110 (S340). At this time, the financial institution server 120 permanently stores the financial transaction details in which the memo is registered by the customer terminal 110 separately from the financial transaction details for which the storage period is set.

The financial institution server 120 determines whether there is a request to delete or modify the memo registered in the financial transaction history stored in the financial transaction history from the customer terminal 110 in step S350, If there is a request to delete the memo registered in the financial transaction history stored from the customer terminal 110, the memo is registered in the stored financial transaction history The memo is corrected (S352).

4 is a diagram illustrating a configuration of financial transaction details according to an embodiment of the present invention.

4, the financial transaction details according to the present invention include a transaction date 410, a classification 420, a brief 430, a deposit amount 440, a withdrawal amount 450, a balance 460, a transaction time 470, a transaction point 480, a memo field 490, and the like. The transaction date 410 indicates the date when the financial transaction occurred, the category 420 indicates the type of the financial transaction, the detail 430 indicates the content of the financial transaction, the amount of the deposit 440 is the money received in the bankbook, A transaction time 470 represents a time when a financial transaction occurred, a transaction point 480 represents a point where a financial transaction occurred, and a memo field 490 represents a space for inputting a memo according to the present invention.

That is, the financial transaction history according to the present invention is different from the existing financial transaction history in that it further includes a memo field 490. [

The customer can input concrete contents about the financial transaction, that is, purpose or purpose, in the memo column (490) of the financial transaction details. In the memo column (490) of FIG. 4, it can be seen that the amount of money deposited by Hong Kil-Dong is an allowance and the amount of money deposited by Kim Min-ji is money.

The memo field 490 of the financial transaction details displays only the beginning of the sentence entered as the "summary view" in the normal case and when the customer clicks the memo field 490 or brings the cursor to the memo field 490, Detailed view "can be displayed in a scroll form, or the inputted sentence can be displayed in a separate pop-up window.

The embodiments disclosed in the specification of the present invention do not limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

210: communication unit 220: financial transaction history offerer
230: financial transaction processor 240: memo manager
250:

Claims (9)

A customer terminal for requesting financial transaction details and registering a memo received from the customer in the provided financial transaction details; And
A financial institution server for providing financial transaction details to the customer terminal according to a financial transaction details request of the customer terminal and storing a financial transaction history in which a memo is registered by the customer terminal;
A financial transaction processing system.
The method according to claim 1,
Wherein the customer terminal can delete or modify the memo registered in the financial transaction history stored in the financial institution server.
The method according to claim 1,
Wherein the financial institution server permanently stores the financial transaction details in which the memo is registered separately from the financial transaction details in which the storage period is determined.
A database unit for storing financial transaction details of each customer;
A financial transaction history providing unit for providing a financial transaction history stored in the database unit to the customer terminal according to a request for financial transaction details of the customer terminal; And
A memo management unit for storing a financial transaction history in which the memo is registered by the customer terminal, in the database unit;
The financial institution server.
5. The method of claim 4,
Wherein the memo management unit deletes or modifies a memo registered in the financial transaction history stored in the database unit in response to a request from the customer terminal.
5. The method of claim 4,
Wherein the database unit permanently stores the financial transaction details in which the memo is registered separately from the financial transaction details in which the storage period is set.
Determining whether there is a financial transaction history request from the customer terminal;
Providing financial transaction details to the customer terminal when a financial transaction details request is received from the customer terminal;
Receiving a memo from a customer terminal in a financial transaction history; And
Storing a financial transaction history in which the memo is registered by the customer terminal;
A financial transaction history memo,
8. The method according to claim 7, wherein, after storing the financial transaction details in which the memo is registered,
Determining whether there is a request to delete or modify a memo registered in the financial transaction history stored from the customer terminal; And
Deleting or modifying a memo registered in a financial transaction history stored at the request of the customer terminal;
A financial transaction history memo,
8. The method according to claim 7, wherein in the step of storing the financial transaction details in which the memo is registered,
Wherein the memo memorandum is permanently stored separately from the memorized financial transaction memorandum.
KR1020120140410A 2012-12-05 2012-12-05 Financial Transaction Particulars Memo Method, Financial Institution Server and Financial Transaction Processing System Therefor KR20140072652A (en)

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KR1020120140410A KR20140072652A (en) 2012-12-05 2012-12-05 Financial Transaction Particulars Memo Method, Financial Institution Server and Financial Transaction Processing System Therefor

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KR1020120140410A KR20140072652A (en) 2012-12-05 2012-12-05 Financial Transaction Particulars Memo Method, Financial Institution Server and Financial Transaction Processing System Therefor

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