KR20230143517A - Financial system and financial service method thereof - Google Patents

Abstract

The financial system according to the present invention provides a loan to a customer terminal, designates an account to be used for automatic transfer related to payment of interest or principal related to the loan, and other accounts to be used for transfer of the insufficient balance of the account. A loan execution department that processes a service application including a designation for, a request department that requests a shortfall from the open banking system if the automatic transfer is not properly made, and a processing department that processes the automatic transfer including the shortfall. Includes management department.

Description

Financial system and its financial service method {FINANCIAL SYSTEM AND FINANCIAL SERVICE METHOD THEREOF}

The present invention relates to financial systems and financial service methods thereof.

Customers who use financial institutions can borrow a certain amount from the financial institution as needed and repay the principal and interest according to set conditions. In other words, loan repayment involves paying interest at a set interest rate on a set date, and in addition, principal repayment can be made regularly or irregularly. For the customer's convenience, such interest or principal can be paid using a service that automatically transfers the amount on a set date by linking it to the account the customer uses. As a result, customers can conveniently make payments without having to individually transfer the amounts they need to pay on a regular basis.

However, because these services are performed automatically on a set date, customers often do not carefully check whether there is enough payment in their account. Therefore, if there is not enough money in the account, the amount due may not be paid unintentionally and delinquency may occur. Loan-related delinquency can lead to a decline in the customer's credit rating, which can result in significant disadvantages in using financial services in the future. Therefore, it is important to manage to prevent delinquency from occurring.

Meanwhile, Open Banking is a common open infrastructure in the banking sector where operating institutions operate and provide the bank's core financial services, such as inquiries and transfers, in the form of a standardized open API (Application Programming Interface). Open banking provides fintech services seamlessly without a separate partnership between fintech operators and individual banks. Open banking is gaining momentum in market expansion as the number of users increases, and the number of collection parent accounts is gradually expanding as transaction volume increases.

The technical task to be achieved by the present invention is to provide a system that prevents delinquency situations that may occur in automatic payment services related to loans through joint work with financial institutions such as open banking.

A financial system according to an embodiment of the present invention executes a loan to a customer terminal, designates an account to be used for automatic transfer related to payment of interest or principal related to the loan, and transfers the insufficient balance of the account. A loan execution department that processes service applications including designation of other accounts to be used, a request department that requests a shortfall from the open banking system if the automatic transfer is not properly made, and the automatic transfer including the shortfall. Includes a management department that processes transfers.

The party account may be an account for the customer terminal managed by the financial system.

The other account may be managed by another financial system that is different from the financial system.

The open banking system may include a financial institution joint work server that provides financial services from a plurality of different financial institutions in a standardized form.

The other account includes at least one, and the priority of at least one other account may be determined by the loan execution unit.

If the balance of the current account is less than the billing amount, the request unit may request the open banking system to inquire the balance of the other account.

The request unit may receive a balance inquiry result of the other account through the open banking system and transmit a transfer request for the insufficient amount.

If the interest or principal is not paid normally, the request unit may transmit a notification to the customer terminal that funds are scheduled to be withdrawn from the other account.

A method of providing financial services according to another embodiment of the present invention is a method of providing financial services related to automatic transfers in which a financial system is set for a loan, comprising the steps of executing the loan to the customer terminal, and providing the loan from the customer terminal. A step of receiving a service application including designation of the account to which interest or principal payments will be automatically transferred and another account to be used for transfer of the insufficient balance of the account if the automatic transfer is not made normally, open banking It includes requesting the system to register the other account, and receiving the registration processing result from the open banking system.

If the automatic transfer is not performed properly, the method may include confirming whether the customer terminal has subscribed to the service, and informing the customer terminal that the withdrawal will be made from the other account.

If the balance of the account linked to the automatic transfer is less than the amount to be paid, requesting the shortfall from the open banking system, receiving the shortfall from the open banking system, and including the shortfall It may include the step of processing an automatic transfer.

The shortfall may be an amount transferred from another account of the customer terminal.

The step of requesting the deficiency includes, if the balance of the current account is less than the billing amount, requesting the open banking system to inquire the balance of the other account, the result of the balance inquiry of the other account from the open banking system It may include receiving and transmitting a transfer request for the shortfall to the open banking system.

The other account includes at least one, and the priority of at least one other account may be determined by the financial system.

The steps of requesting the deficiency, receiving the deficiency, and processing the automatic transfer may be repeated multiple times for each other account depending on the balance of the at least one other account.

The open banking system may include a financial institution joint work server that provides financial services from a plurality of different financial institutions in a standardized form.

According to an embodiment of the present invention, a service for replenishing the insufficient amount in an account can be provided in an automatic payment service such as interest and principal on a loan through joint work with financial institutions such as open banking. This allows customers to prevent or resolve delinquency that may occur in relation to loan repayment, thereby minimizing the decline in credit rating. Financial institutions can reduce costs by improving loan-related delinquency rates and encourage customers to use the account as their main transaction account.

1 is a block diagram of an operating environment of a financial system according to an embodiment of the present invention.
Figure 2 is a block diagram of a financial system according to one embodiment of the present invention.
Figure 3 is a flowchart explaining a financial service method according to an embodiment of the present invention.
Figure 4 is a flowchart explaining a financial service method according to another embodiment of the present invention.

Below, with reference to the attached drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In order to clearly explain the present invention in the drawings, parts that are not related to the description are omitted, and similar parts are given similar reference numerals throughout the specification.

Throughout the specification, when a part is said to “include” a certain component, this means that it may further include other components rather than excluding other components, unless specifically stated to the contrary.

In addition, the terms “…unit” and “…module” used in the specification refer to a unit that processes at least one function or operation, which may be implemented as hardware, software, or a combination of hardware and software.

A financial system and its financial service method according to an embodiment of the present invention will be described in detail with reference to the drawings.

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

Referring to FIG. 1, the financial system 100 is a server operated by a financial institution, which provides a loan to the customer terminal 400 according to set conditions and collects interest and principal according to the loan. Interest or principal can be paid through an automatic transfer service that automatically transfers money without separate instructions according to established standards. At this time, the financial system 100 provides a service for withdrawing and transferring the shortfall of the automatically transferred amount from the customer's account existing in another financial system 300 according to the consent of the customer terminal 400.

The open banking system 200 is a server that provides open banking services and communicates with the financial system 100. Here, Open Banking refers to an infrastructure that provides financial services of financial institutions in a standardized form so that fintech companies, including financial institutions, can conveniently develop financial services, and includes open API (Application Programming Interface) and testing. Peter is composed. Open API is an open programming tool that allows fintech companies to directly develop applications and services. A test bed is an infrastructure that can test whether a developed service operates normally in a financial computer network.

The other financial system 300 is a server operated by another financial institution that provides the same or similar financial services as the financial system 100, and communicates with the open banking system 200 to transmit and receive data for open banking services.

The customer terminal 400 is a device through which customers of a financial institution access and communicate with the financial system 100 through a network. The customer terminal 400 may be, for example, various communication devices such as various computers, personal digital assistants (PDAs), mobile communication terminals including smartphones, and televisions (TVs).

Now, with reference to FIG. 2, the financial system 100 according to an embodiment of the present invention will be described in detail.

Figure 2 is a block diagram of a financial system according to one embodiment of the present invention.

Referring to FIG. 2, the financial system 100 includes a loan execution unit 110, a request unit 120, and a management unit 130.

The loan execution unit 110 executes a loan for the customer terminal 400 and sets payment conditions for the interest or principal to be paid by the customer terminal 400 according to the loan conditions.

At this time, the loan execution unit 110 designates the customer's account to be used for the service from the customer terminal 400, that is, the account managed by the financial system 100 and the designation of another account managed by another financial institution 300. receives. This account is an account through which the customer terminal 400 automatically transfers the interest or principal to be paid in relation to the loan, and the other account is an account through which the shortfall is transferred to this account when normal payment is not made from the account. . The loan execution department 110 receives applications from the customer terminal 400 for these services, receives and processes consent to the service terms and conditions, and receives and processes applications from other financial institutions (300) through open banking joint operations from the customer terminal 400. ) Register withdrawal consent from other accounts managed by ).

Meanwhile, at least one other account may be designated, and if there are multiple other accounts, the withdrawal priority may be determined by the loan execution unit 110.

If the interest or principal is not paid normally, the request unit 120 transmits to the customer terminal 400 a notification that funds are scheduled to be withdrawn from another account according to the service requested by the customer terminal 400. Additionally, the request unit 120 checks whether the bill amount to be paid is sufficient in the account, and if it is insufficient, requests the open banking system 200 to transfer the insufficient amount from another account.

The management unit 130 manages the loan status of the customer terminal 400. That is, the management unit 130 manages the withdrawal and transfer status of the account for interest or principal related to the loan from the customer terminal 400. In other words, for automatic transfers linked to this account, automatic transfers are made on a designated date, and the insufficient amount is received from another account to this account at the request of the request unit 120. The management unit 130 notifies the customer terminal 400 of the performance result.

Now, with reference to FIG. 3, a financial service method according to an embodiment of the present invention will be described in detail.

Figure 3 is a flowchart showing a financial service method according to an embodiment of the present invention, and explains the service registration process.

Referring to FIG. 3, the customer terminal 400 applies for a loan from the financial system 100 (S310). At this time, the customer terminal 400 can request to set up interest payment or principal repayment as an automatic transfer that is transferred from the account, which is the customer's account selected by the customer terminal 400, on a set date without separate instructions.

Next, the customer terminal 400 transmits a service subscription application according to an embodiment of the present invention to the financial system 100 (S320). Application for service subscription is a service in which the insufficient amount for the account from which loan-related payments are automatically transferred is transferred from another account managed by another financial institution (300). The customer terminal (400) is a service that is managed by another financial institution. You can designate your account as another account.

Then, the financial system 100 requests the open banking system 200 to register another account designated by the customer terminal 400 as a withdrawal account according to the application of the customer terminal 400 (S330). Next, the open banking system 200 requests the other financial system 300 to register the other account as a withdrawal account at the request of the financial system 100 (S340). The other financial system 300 registers the other account as a withdrawal account (S350) and notifies the open banking system 200 of the completion of the registration process (S360).

The open banking system 200 notifies the financial system 100 of the completion of the withdrawal account registration process (S370).

Then, the financial system 100 performs a loan screening on the loan application of the customer terminal 400 and executes the loan (S380). That is, the financial system 100 evaluates customer credit or collateral, sets loan conditions according to the evaluation results, and executes the loan. At this time, interest payment conditions or principal repayment conditions may be set for the loan, and specific dates and amounts may be set.

Now, with reference to FIG. 4, a financial service method according to another embodiment of the present invention will be described in detail.

Figure 4 is a flowchart illustrating a financial service method according to another embodiment of the present invention, and is a diagram explaining the content of the service execution after the service registration process is completed.

Referring to FIG. 4, if payment is not normally made on the payment due date of the customer terminal 400, the financial system 100 checks whether the account of the customer terminal 400 is registered for this service (S410) ). If the service subscription is registered, the financial system 100 transmits to the customer terminal 400 a notification that withdrawal is scheduled to be made from another account according to the service (S411).

Steps S410 and 411 may be performed multiple times as needed.

Next, the financial system 100 checks whether the balance of the account is greater than or equal to the amount to be paid (S420). As a result of the confirmation in step S420, if the balance of the account is greater than or equal to the amount to be paid, the financial system 100 processes the automatic transfer normally and notifies the customer terminal 400 of the processing result (S421).

If, as a result of confirmation in step S420, the balance of the account is less than the amount to be paid, the financial system 100 transmits a request to query the balance of another account to the open banking system 200 (S430). At this time, the other account is an account designated by the customer terminal 400, and if there are multiple other accounts, step S430 is performed according to the established priority.

Then, the open banking system 200 requests the other financial system 300, which manages the other account, to inquire the balance of the other account at the request of the financial system 100 (S440). The other financial system 300 transmits the balance inquiry result of the other account to the open banking system 200 (S441).

The open banking system 200 transmits the balance inquiry result received from another financial system 300 to the financial system 100 (S450). Subsequently, the financial system 100 transmits a withdrawal transfer request for the shortfall in the account balance to the open banking system 200 (S460).

Then, the open banking system 200 checks whether the customer terminal 400 agrees to the withdrawal (S470). This consent may be collected by the open banking system 200 through the financial system 100 in advance. As a result of confirmation, if the customer does not consent to withdrawal, the open banking system 200 transmits a rejection result to the financial system 100 (S471). As a result of confirmation, if the customer consents to withdrawal, the open banking system 200 transmits a withdrawal transfer request to another financial system 300 (S472). Then, the other financial system 300 withdraws the shortfall from the other account and transfers it to the open banking system 200 (S473).

The open banking system 200 deposits the deficiency deposited from another financial system 300 into the financial system 100 (S474). In other words, the shortfall is deposited into our account. The financial system 100 performs payment processing for interest or loan amounts to be paid by the customer terminal 400 (S480).

And the financial system 100 transmits the processed content to the customer terminal 400 (S490). That is, through this process, the financial system 100 can transmit information to the customer terminal 400 that the automatic transfer will be performed normally and that the delinquent status has been resolved.

On the other hand, when the customer terminal 400 completes the principal repayment related to the loan and completes the interest payment related thereto, and the loan is repaid, or the loan is withdrawn or the loan contract is terminated and no loan remains, this service Registration will be canceled

In addition, if the balance of another account is sufficient, steps (S430-S480) are made to apply the shortfall to the other account. However, if the balance of the other account is insufficient, each of the other accounts is ranked according to priority. The deficiency can be filled by combining the deposited amounts by proceeding with steps (S430-S480). Customers generally use multiple accounts through various financial institutions rather than using only one account. The customer sets up an account to automatically transfer loan-related funds and repayments, and the customer's cash assets may be managed not only in the account linked to the automatic transfer, but in multiple accounts. Therefore, if there is not enough balance in the account connected to automatic transfer, there are cases where the customer is not even aware of this situation even though payment can be made with the balance in another account. To prevent this situation, customers must manually manage the balance status of their multiple accounts and perform transfer tasks one by one.

According to one embodiment of the present invention, when the balance of an account linked to an automatic payment service is insufficient for the billing amount through joint operations of financial institutions such as an open banking system, the shortfall can be received by a supplementary transfer from another account of the customer. As a result, it is possible to prevent or resolve situations where the customer does not pay or delinquent the amount related to the loan, which may occur due to insufficient account balance in the automatic transfer service, without the customer having to manually manage and recognize the balance of his or her multiple accounts.

This allows customers to prevent or resolve delinquency that may occur in relation to loan repayment, thereby minimizing the risk of a decline in credit rating. Financial institutions can reduce costs by improving loan-related delinquency rates and encourage customers to use the account as their main transaction account.

The embodiments described above may be implemented with hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods, and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, and a field programmable gate (FPGA). It may be implemented using one or more general-purpose or special-purpose computers, such as an array, programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. A processing device may execute an operating system (OS) and one or more software applications that run on the operating system. Additionally, a processing device may access, store, manipulate, process, and generate data in response to the execution of software. For ease of understanding, a single processing device may be described as being used; however, those skilled in the art will understand that a processing device includes multiple processing elements and/or multiple types of processing elements. It can be seen that it may include. For example, a processing device may include a plurality of processors or one processor and one controller. Additionally, other processing configurations, such as parallel processors, are possible.

Software may include a computer program, code, instructions, or a combination of one or more of these, which may configure a processing unit to operate as desired, or may be processed independently or collectively. You can command the device. Software and/or data may be used on any type of machine, component, physical device, virtual equipment, computer storage medium or device to be interpreted by or to provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed over networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the medium may be specially designed and configured for the embodiment or may be known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. -Includes optical media (magneto-optical media) and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include machine language code, such as that produced by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Although the embodiments have been described with limited drawings as described above, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques are performed in a different order than the described method, and/or components of the described system, structure, device, circuit, etc. are combined or combined in a different form than the described method, or other components are used. Alternatively, appropriate results may be achieved even if substituted or substituted by an equivalent.

Claims (16)

A service that includes executing a loan to a customer terminal, designating an account to be used for automatic transfers related to payment of interest or principal related to the loan, and designating another account to be used for transferring the insufficient balance of the account. Loan Execution Department, which processes applications;
If the above automatic transfer is not performed properly, a request unit to request a deficiency payment from the open banking system, and
The management department that processes the above direct debits, including the above deficiencies.
financial system, including. In paragraph 1:
The account is an account for the customer terminal managed by the financial system.
financial system. In paragraph 2,
The other account is an account for the customer terminal managed by another financial system that is different from the financial system.
financial system. In paragraph 3,
The open banking system is,
It includes a financial institution joint work server that provides financial services from multiple different financial institutions in a standardized form.
financial system. In paragraph 3,
The other account includes at least one, and the priority of the at least one other account is determined by the loan execution department.
financial system. In paragraph 3,
The request department,
If the balance of the account is less than the billing amount, requesting the open banking system to inquire the balance of the other account
financial system. In paragraph 6:
The request department,
Receiving the balance inquiry results of the other accounts through the open banking system and transmitting a transfer request for the shortfall
financial system. In paragraph 3,
The request department,
If the interest or principal is not paid properly, a notification is sent to the customer terminal that funds are scheduled to be withdrawn from the other account.
financial system. 1. A method for a financial system to provide financial services involving direct debits established for loans, comprising:
Executing the loan to the customer terminal,
From the customer terminal, apply for service including the designation of an account to which interest or principal payments related to the loan will be automatically transferred, and another account to be used to transfer the insufficient balance of the account if the automatic transfer does not proceed normally. receiving step,
Requesting the open banking system to register the other account, and
Receiving the registration processing result from the open banking system
Financial service methods including. In paragraph 9:
If the automatic transfer is not performed normally, checking whether the customer terminal has subscribed to the service, and
Step of informing the customer terminal that withdrawal will be made from the other account
Financial service methods including. In paragraph 9:
If the balance of the account linked to the automatic transfer is less than the amount to be paid, requesting the open banking system for the insufficient amount,
Receiving the insufficient amount from the open banking system, and
Processing said direct debit including said deficiency.
Financial service methods including. In paragraph 11:
The deficiency is the amount transferred from another account of the customer terminal.
Financial services methods. In paragraph 11:
The steps to request the deficiency are:
If the balance of the current account is less than the billing amount, requesting the open banking system to inquire the balance of the other account,
Receiving a balance inquiry result of the other account from the open banking system, and
Transmitting a transfer request for the shortfall to the open banking system
Financial service methods including. In paragraph 11:
The other account includes at least one, and the priority of at least one other account is determined by the financial system.
Financial services methods. In paragraph 14:
The steps of requesting the deficiency, receiving the deficiency, and processing the automatic transfer are,
Repeated multiple times for each other account depending on the balance of the at least one other account
Financial services methods. In paragraph 9:
The open banking system is,
It includes a financial institution joint work server that provides financial services from multiple different financial institutions in a standardized form.
Financial services methods.

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