KR20150057211A - Apparatus for providing outward transfer service and method thereof - Google Patents

Abstract

The present invention relates to a method and an apparatus for providing a bank-to-bank transfer service. The apparatus for providing the bank-to-bank transfer service comprises: a payment amount comparison unit to compare payment amounts according to an operation instruction for bank-to-bank transfer with predetermined effective amount; payment amount division unit to divide the payment amount according to the comparison result by the payment amount comparison unit; and a preamble generation unit to generate a preamble for each payment amount divided by the payment amount division unit.

Description

[0001] APPARATUS FOR PROVIDING OUTWARD TRANSFER SERVICE AND METHOD THEREOF [0002]

More particularly, the present invention relates to an apparatus and a method for providing a counterparty transfer service, and more particularly, to an apparatus and method for providing a counterparty transfer service by automatically transferring a settlement amount within an effective amount when a settlement amount exceeds a predetermined effective amount, And to a method and apparatus for providing a counterpart transfer service.

Generally, transfers between accounts are divided into co-transfer and non-co-transfer.

The co-transfer is the account transfer between the same financial institutions, and the other transfer is the account transfer between the other financial institutions. Companion transfers are made relatively cheaply and easily through each information network of each financial institution.

On the other hand, the other transfer is operated by KFTC through the financial joint network connecting all the banks. KFTC limits the remittance limit in accordance with the CFTN.

However, in the process of performing the depository service, in accordance with the transfer management instruction of the asset management company, it is frequently required to perform the transfer transfer service for the payment amount greatly exceeding the remittance limit. Nevertheless, the payment amount is forcibly restricted within the remittance limit. As a result, the payment amount exceeding the remittance limit is divided into the limit of remittance of the payment amount by the person who performs the service.

Accordingly, there has been a problem in that, in the course of the process of processing the other transfer, the accuracy of the job and the efficiency of the service are lowered due to mistakes or errors of the service provider, and the transfer service is delayed.

BACKGROUND ART [0002] The background art of the present invention is disclosed in Korean Patent Application Publication No. 10-2001-0094592 (Nov.

SUMMARY OF THE INVENTION The present invention has been made in order to overcome the above problems, and it is an object of the present invention to provide a method and system for managing an amount of a settlement amount, And to provide a method and apparatus for providing a one-way transfer service for automatically dividing the same.

Another object of the present invention is to provide an apparatus and method for providing a one-to-one transfer service by automatically dividing a settlement amount into an effective amount, thereby reducing the workload of the worker and enabling quick other-way transfer.

Another object of the present invention is to provide an apparatus and method for providing a transfer service for reducing the number of mistakes or errors of a contracted worker to improve work efficiency and accuracy.

The apparatus for providing another type of money transfer service according to an aspect of the present invention includes: a settlement amount comparing unit for comparing a settlement amount based on a different-fare operation instruction with a predetermined effective amount; A settlement amount division unit for dividing the settlement amount according to the comparison result by the settlement amount comparison unit; And a specialist generation unit for generating a specialization for each of the payment amounts divided by the payment amount division unit.

In the present invention, the settlement amount dividing unit may divide the settlement amount so as to be within the effective amount.

In the present invention, the effective amount is a maximum amount that can be transferred through the integrated service system other-benefit network.

In the present invention, the specialist generation unit may collectively transmit the specialties for each of the divided payment amounts to the integrated service system other-benefit network.

According to an aspect of the present invention, there is provided a method of providing a different-fare transfer service, the method comprising: receiving, by a securities trust system, Dividing the settlement amount by comparing the settlement amount with a predetermined effective amount; And generating a full text for each of the payment amounts divided by the security depository system.

In the present invention, the step of dividing the settlement amount may be performed such that the amount of the settlement is within the effective amount.

In the present invention, the effective amount is a maximum amount that can be transferred through the integrated service system other-benefit network.

The present invention is characterized by further comprising the step of collectively transmitting, to each of the integrated service system other revenue networks, the specialization for each of the divided payment amounts.

The present invention automatically divides the settlement amount within the effective amount to reduce the workload of the worker and enable the rapid transfer of money if the settlement amount exceeds the predetermined effective amount in the case of another transfer according to the other transfer operation instruction transmitted from the asset management company .

The present invention improves work efficiency and accuracy by reducing the mistakes or errors of a consigned worker.

FIG. 1 is a block diagram of an apparatus for providing a non-wire transfer service according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a flowchart of a method of providing another-way transfer service according to an embodiment of the present invention.
FIG. 3 is a view illustrating a screen in which a settlement amount according to an embodiment of the present invention is input into a security deposit system.
FIG. 4 is a view showing a screen in which a settlement amount according to an embodiment of the present invention is registered in a securities entrustment system.
FIG. 5 is a view showing a screen showing a state in which a settlement amount according to an embodiment of the present invention is divided by the security deposit system.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an apparatus and method for providing a one-way transfer service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In this process, the thicknesses of the lines and the sizes of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms described below are defined in consideration of the functions of the present invention, which may vary depending on the intention or custom of the user, the operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

FIG. 1 is a block diagram of an apparatus for providing a non-wire transfer service according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, an apparatus for providing another-type transfer service according to an embodiment of the present invention includes a terminal 10, a security depository system 20, a database unit 30, and an integrated business system transfer-

The terminal 10 is provided to perform an entrusted service by a worker engaged in a trustee. The terminal 10 accesses the securities entrustment system 20, inputs various control commands, and receives various kinds of information according to the operation of the securities entrustment system 20 .

The terminal 10 includes an input device for inputting information, an output device for outputting information, a communication device for transmitting / receiving various information through a communication network, etc., for controlling processing and input / output of various information by mounting various operating systems do. A typical personal computer may be employed as the terminal 10, and various terminals 10 supporting the trust service by accessing the securities entrustment system 20 may be employed.

The Securities Depository System (20) is installed and managed by the depository institution. When receiving the other transfer operation instruction from the asset management company or the like, the security depository system 20 divides the settlement amount by comparing the settlement amount transmitted from the terminal 10 according to the other transfer operation instruction to the predetermined effective amount, And transmits a full text of each of the divided payment amounts to the integrated business system forwarding network 40. [

For reference, the asset manager orders the sale of the securities, requests the seller to make a purchase order with the broker who has a brokerage account of the asset manager at the time of purchase or sale of the securities, and receives the information of the sale from the broker by fax or e-mail , And transmits the operation instruction to the security depository system 20 by fax or e-mail. In this case, the asset management company can transmit another transfer operation instruction to the security deposit system 20 by facsimile or e-mail, and the security deposit system 20, which receives the other transfer operation instruction, And transmits the full text of each of the settlement amounts to the integrated business system forwarding network 40.

As shown in FIG. 1, the security depository system 20 includes a settlement amount comparing unit 21, a settlement amount allocating unit 22, and a specialty generating unit 23.

The payment amount comparison unit 21 receives a payment amount to be transferred from the terminal 10 when receiving a request for providing a third party transfer service from the terminal 10 and compares the payment amount with the effective amount to determine whether the payment amount exceeds the effective amount .

Here, the effective amount is the maximum amount of money that can be transferred through the integrated business system forwarding network 40. For example, a one-time transfer limit according to KFTC's rules for the operation of the public network can be employed.

The settlement amount division section 22 divides the settlement amount so that the settlement amount is within the effective amount when the settlement amount exceeds the effective amount as a result of the comparison by the settlement amount comparing section 21. [

For example, if the effective amount is 1 billion won and the payment amount is 10 billion won, the payment amount can be divided into 10 by 1 billion won.

The professional generating unit 23 generates a full text of the settlement amount divided by the settlement amount division unit 22, and in this case, the professional generation unit 23 individually generates each of the settlement amounts divided by the settlement amount division unit 22. [ Therefore, the total sum of the settlement amounts described in the respective specializations is equal to the settlement amount according to the advance transfer operation instruction transmitted from the asset management company. Then, the specialist generation unit 23 collectively transmits the generated proposals for each of the divided payment amounts to the integrated business system advancement benefit network 40.

In addition, the Securities Fulfillment System (20) is entrusted with the storage of indirect investment property from the asset management company, and manages the indirect investment property entrusted by the asset management company and the indirect investment property separately, It is responsible for handling the delivery and payment of securities in accordance with the operating instructions. Since the operations of the security depository system 20 can be easily performed by those skilled in the art, detailed description thereof will be omitted here.

The database unit 30 stores basic information so as to generate a full text for each of the divided payment amounts. Such basic information includes information on merchant information, account information, and the like, as well as various information necessary for professional creation.

Meanwhile, as described above, the integrated business system other-benefit network 40 provides the third-party transfer service in connection with the financial settlement center in accordance with the specialization for each of the divided payment amounts transmitted from the special-purpose generating unit 23 as described above.

Hereinafter, referring to FIG. 2, a method of providing another-way transfer service according to an embodiment of the present invention will be described in detail.

FIG. 2 is a flowchart of a method of providing another-way transfer service according to an embodiment of the present invention.

Referring to FIG. 2, when a contract worker receives a third-party transfer operation instruction from the asset management company via facsimile or e-mail through the terminal 10, he / she transfers the second transfer operation instruction to the securities depository system 20 via the terminal 10 Request for another transfer service.

Accordingly, the security depository system 20 outputs a money operation instruction screen through the terminal 10, and receives a payment amount from a contract worker through the terminal 10 (S10).

In addition, the depository worker further inputs basic information stored in the database unit 30 in addition to the payment amount through the operation instruction screen.

Meanwhile, when the settlement amount is inputted from the terminal 10, the security depository system 20 compares the settlement amount inputted from the terminal 10 with a predetermined effective amount (S20) and judges whether the settlement amount exceeds the effective amount .

If the settlement amount exceeds the effective amount as a result of the determination in step S20, the security depository system 20 divides the settlement amount (S30).

In this case, the security entrustment system 20 divides the settlement amount so as to be within the effective amount, and generates a plurality of texts for each of the divided settlement amounts (S40).

For example, if the settlement amount is 10 billion won and the effective amount is 1 billion won, the Securities Depository System 20 divides the settlement amount of 10 billion won into 10 10 million won, which is less than the effective amount, do. In this case, the divided payment amount will be 1 billion won, and a total of 10 articles will be created to transfer 1 billion won.

As described above, when the brokerage is created for each of the divided settlement amounts, the security depository system 20 collectively transmits the specialties for each of the divided payment amounts to the integrated business system advancement trust 40 (S50 ), And the integrated business system other trade secret network 40 provides the one-to-one correspondence transfer service in connection with the KFTC according to the respective specialties (S60).

FIG. 3 is a diagram illustrating a screen for inputting a settlement amount according to an embodiment of the present invention into a security deposit system. FIG. 4 is a view illustrating a payment amount according to an exemplary embodiment of the present invention. FIG. 5 is a view showing a screen showing a state in which a settlement amount according to an embodiment of the present invention is divided by the security depository system.

FIG. 3 shows that a contract worker inputs a payment amount, for example, 10 billion won, to the operation instruction screen through the terminal 10. For reference, on the operation instruction screen, in addition to the above-mentioned payment amount, additional basic information necessary for professional generation is further input.

FIG. 4 shows a state in which a third-party transfer service request is registered according to a payment amount inputted through the terminal 10 from the service entrepreneur. Referring to FIG. 4, it can be seen that basic information necessary for professional creation is registered together with the payment amount.

In FIG. 5, it is shown that the payment amount of 10 billion won is divided into 1 billion won according to the settlement amount, and the text for each is generated. In other words, the settlement amount of 10 billion won is divided into 10 pieces with 1 billion won, and it is understood that a total of 10 pieces of specialties are generated for each divided payment amount.

As described above, according to the present invention, when the settlement amount exceeds the predetermined effective amount, the amount of settlement is automatically divided within the effective amount to reduce the workload of the worker, and promptly transferring the money .

The present invention improves work efficiency and accuracy by reducing the mistakes or errors of a consigned worker.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. will be. Accordingly, the true scope of the present invention should be determined by the following claims.

10: Terminal 20: Securities Depository System
21: Payment amount comparison part 22: Payment amount installment part
23: professional generating unit 30: database unit
40: Integrated business system

Claims (8)

A settlement amount comparing unit comparing the settlement amount based on the other transfer operation instruction with a predetermined effective amount;
A settlement amount division unit for dividing the settlement amount according to the comparison result by the settlement amount comparison unit; And
And a specialist generation unit for generating a specialization for each of the payment amounts divided by the payment amount division unit.
The apparatus according to claim 1, wherein the settlement amount dividing unit divides the settlement amount to be within the effective amount.
2. The apparatus according to claim 1, wherein the effective amount is a maximum amount that can be transferred through the integrated service system.
The apparatus as claimed in claim 1, wherein the specialist generation unit collectively transmits the divided payment amounts to the integrated service system.
Receiving a settlement amount according to a counter transfer operation instruction from a terminal;
Dividing the settlement amount by comparing the settlement amount with a predetermined effective amount; And
And generating a full text for each of the payment amounts divided by the security depository system.
6. The method as claimed in claim 5,
And dividing the settlement amount so as to be within the effective amount.
The method as claimed in claim 5 or 6, wherein the effective amount is a maximum amount that can be transferred through the integrated service system other-benefit network.
6. The method of claim 5,
Further comprising the step of collectively transmitting the specialties for each of the divided settlement amounts to the integrated service system other benefit network.

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