KR100352652B1 - System & method for real-time account transfers with firm banking network based on network - Google Patents

Abstract

The posted content allows computer and mobile communication terminal users to easily handle inter-bank transfers in real time over a network.

In this method, a plurality of client PC users or a plurality of personal portable terminal users are connected to a main server providing a real-time financial account transfer system on a network such as the Internet and receive user data from a user authentication or linkage system. Enter the amount of money and transfer, or call the financial account data stored in the client PC or personal mobile terminal, and the financial data through the interbank banking network linked to the main server together with the financial data such as the amount of money transfer and collection request. In connection with the institution server, the financial institution server performs the real-time transfer to the financial account requested by the client PC user or the personal portable terminal user.

The result of the work is delivered to the client PC user or the user of the mobile terminal in real time.

Therefore, in this network, users can escape from the constraints of subscription requirements, remittance fees, etc., compared to Internet banking, and online accounts, compared to the existing methods, which were processed in two to three business days through the financial settlement network. Transfers can be processed in real time. In addition, compared to the method in which the operator configures an independent network with the bank and transmits the data and the amount separately, the data and the amount can be processed simultaneously, and the processing fee for the user can be reduced. Therefore, the real-time financial account transfer system between banks using the firm banking network has an effect that the user can safely and conveniently use not only the account transfer service but also the payment of goods purchase, content and game fee.

Description

Network type real-time financial account transfer system using firm banking network and method thereof {System & method for real-time account transfers with firm banking network based on network}

The present invention relates to a network type real-time account transfer system using a firm banking network and a method thereof, and more particularly, a system capable of processing inter-bank transfers in real time easily and safely on a network through a personal computer or a personal portable terminal. It's about how.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology, such as multimedia information can be used for various services such as e-mail, file transfer, WWW (World Wide Web).

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

In other words, in recent years, as a part of the business through the Internet to provide a variety of content (Internet advertising, Internet broadcasting, online games, Internet newspapers / magazines, search services, portal services, Electronic Commerce, etc.) Sites are growing rapidly.

However, although the payment system and the remittance method supporting various business methods on the Internet have undergone a process of change, they have not yet secured stability and convenience, and the burden on the operators is also great. In particular, online account transfer has emerged as a means of financial settlement network, Internet banking, etc., but it is not easy to activate due to the user burden of fees and many usage restrictions.

The purpose of this method is the firm banking, which has a function of collecting and distributing funds between banks and corporations, compared to the existing online account transfer method, which took 2-3 business days through the CMS in online bank transfer. By configuring and using the network for each bank, it is possible to process the online account transfer immediately upon user's request, and the existing value-added carriers form an independent network with the bank to separate the data and the amount separately and transfer only the data first and transfer the amount later. Compared to the previous method, data and amount can be transferred simultaneously. Therefore, this method enables users to pay wires, goods, and contents to others in real time on the Internet, and businesses using the Internet can also increase additional profits, such as reducing the amount of receivables and immediately collecting payouts. It can be applied in various forms to promote the interests of society.

1 is a block diagram schematically showing the configuration of a network type real-time account transfer system using a firm banking according to the present method and a method thereof;

2 is a block diagram showing in detail the configuration of the main server of FIG.

Figure 3 is a flow chart showing in detail the operation of the network-type real-time account transfer system using the firm banking according to the present method,

4 to 8 are flowcharts showing in detail the operation of each subroutine of FIG.

※ Explanation of code about main part of drawing ※

10: network communication network 20: client PC

21: personal portable terminal 30: the main server

31: data input unit 32: main control unit

33: database unit 34: communication control unit

35: system interlocking control unit 40: A financial institution server

41: B financial institution server 45: remittance request financial account

46: Settlement account of financial institution A 47: Settlement account of financial institution A

48: Collection request financial account

A network type real time account transfer system using a firm banking network according to the present method for achieving the above object, and a method comprising: a network communication network for connecting data unspecified a plurality of communication lines to each other; The communication environment is established to be connected to the outside providing real time account transfer service through the network communication network, and the user inputs or receives the user information from the outside and outputs the user authentication data to the outside to perform the communication connection with the outside. A plurality of client PCs and personal portable terminals for displaying a bank name, an account number, a remittance amount, and the like on a screen; When user authentication is performed by a plurality of client PCs and personal mobile terminal users, the bank name, account number, remittance amount, etc. may be displayed on the screen, or the remittance amount and collection request account from the corresponding client PC user may be called by calling specific financial information. An integrated firm banking network configured to form a per-bank firm perm banking network, which is provided with functions such as collecting and distributing funds between banks and corporations when financial data such as these are inputted; Through the firm banking network, the client PC user, etc., accesses the financial server with the financial account that requested the remittance request, and the remittance amount is transferred from the account requested by the client PC user, etc. Initiate a direct debit request and proceed to the relevant financial institution server where the requested financial account is collected, and withdraw the amount of remittance from the real-time account transfer service settlement account of the financial institution to collect the money requested by the client PC user. Perform a debit request to the requesting account; A main server for outputting the result of the direct debit to a corresponding client PC and terminating the real time debit service; It is characterized in that it comprises a linkage system interlocked with real-time account transfer service.

In addition, the processing method of the network-type real-time account transfer system using the firmbanking network according to the present invention, (1) the process of access to the main server according to the execution of the communication program of the client PC user and the user of the personal mobile terminal or from the outside Receiving user information and making a connection to the main server; (2) The main server outputs the financial data input window such as bank name, account number, remittance amount, etc. to the client PC or personal mobile communication terminal, or calls specific financial information stored in the client PC or personal mobile communication terminal and then inputs the user. Recognizing and determining various financial data such as a remittance amount and a requisition request financial account to perform real time account transfer; (3) The user's financial data is outputted from the main server and connected to the financial institution server with the financial account requested for remittance through the firm banking network linked to each financial institution, and from the user's financial account to the real time account transfer system. Performing a direct debit request; (4) performing a direct debit request to the financial institution requested by the user from the settlement account of the real-time account transfer system by accessing the financial institution server that requested the collection from the main server after the debit is normally performed; (5) characterized in that it comprises a process of transmitting the processing results to various systems linked to the main server of the real-time account transfer service.

Hereinafter, with reference to the accompanying drawings will be described in detail a network type real-time account transfer system using the method of the firm banking method and the method.

1 is a block diagram schematically showing the configuration of a network type real-time financial account transfer system and a method thereof according to the present invention.

As shown, the network communication network 10 is a communication network, such as the Internet, by connecting a communication line between a plurality of client PCs 20 or personal portable terminal 21 and the main server 30 to be described later by wire or wireless Data communication related to the network type real time account transfer system is made to each other.

A plurality of client PCs 20 and a plurality of personal portable terminal users 21 have a communication environment that can be connected to the main server 30 that provides a network type real-time account transfer system through the network communication network 10. In accordance with a predetermined form provided by the main server 30, or inputs previously recorded user authentication data to the outside to perform a communication connection with the main server 30. In addition, in some cases, the plurality of client PCs 20 and the plurality of personal portable terminal users 21 may perform a communication connection together with the user data that has been previously authenticated through the plurality of connection systems 50.

The main server 30 recognizes and extracts financial data input by the corresponding client PC 20 user or the personal mobile terminal 21 user to the A financial institution server 40 through the A bank firm banking network 15. The bank account 45 requested by the remittance transfers the remittance amount to the settlement account 46 of the bank A real-time account transfer service. The bank A server 40 stores the result of the debit and the main server. Output to the 30 and the main server 30 is requested by the user of the client PC 20 or the user of the personal mobile terminal 21 through the bank B bank banking network 16 when the result of the automatic transfer performed normally Access to the B financial institution server 41, withdraw the amount of the remittance from the settlement account 47 of the B bank real-time account transfer service to perform the automatic transfer request to the collection request financial account 48, and the B financial institution server 41 ) At the same time, the result of the transfer is stored and output to the main server 30, and the main server 30 stores the result of the process and outputs to the users of the client PC 20 or the users of the personal portable terminal 21 and the associated system 50. ) Is linked to the associated system 50 outputs the above process results and ends the network type real-time account transfer system.

2 is a block diagram showing in detail the configuration of the main server 30 of FIG.

As shown, the data input unit 31 is an operating program for allowing a plurality of client 20 users or users of personal portable terminals 21 to use a network type real-time account transfer system on the network communication network 10 by a server operator. And output various financial data related to account transfer to the main controller 32, which will be described later.

The main controller 32 controls to store various user data of the users of the client PC 20 and the personal portable terminal 21 input through the data input unit 31 in the database unit 33 to be described later, and the client PC 20. ) When receiving various financial data related to real-time account transfer from the users of the mobile terminal 21 and the user, the user is required to perform automatic transfer through the banking network 15 and 16 while analyzing and extracting the previously inputted financial data. Connected to the relevant financial institution servers (40, 41) to request a transfer from the remittance request financial account (45) to the settlement account (46), and after confirming the result, the transfer from the settlement account (47) to the collection request financial account (48) Control the request and input / output of related data.

In addition, the main control unit 32 controls the communication control unit 34 and the system interlocking control unit 35 to be described later.

The database unit 33 stores user data and various input / output processing result data of the user under the control of the main control unit 32.

The communication controller 34 receives a key signal according to the use of the user data / real time account transfer system input by the corresponding user according to the communication connection of the user and outputs it to the main controller 32, and according to the control of the main controller 32 A communication connection is performed to the financial institution servers 40 and 41 through the firm banking network 15 and 16.

In addition, the communication control unit 34 performs the communication connection to the corresponding financial institution server (40, 41) and then the user's remittance request financial account information and the collection request financial account information, remittance amount, etc. output from the main control unit 32 Information is output to the financial institution servers 40 and 41, and when a user requests a password of a financial account when performing a direct debit from the financial institution servers 40 and 41, the financial institution servers 40 and 41 are displayed. ) And outputs an input window such as a password to the client PC 20 or the personal portable terminal 21, and receives the password input by the corresponding user and outputs it to the financial institution server 40 or 41.

In addition, the system interlocking control unit 35 outputs the data to the main control unit 32 or receives the data received from the main control unit 32 when a request for transmitting or receiving payment and payment-related data is received from the linked system 50 such as a shopping mall. It is transmitted to the linkage system 50.

In this case, the above-described main server 30 may be operated for the account transfer to the financial account 48 requested by the user, the account transfer to the financial account requested by the goods seller and the content provider, that is, the payment for goods and services. Of course.

Next, a network type real time account transfer system and a method thereof according to the present invention configured as described above will be described in detail with reference to the flowcharts of FIGS. 3 to 8.

First, in order for the client PC 20 and the personal portable terminal 21 users to receive a real time transfer service on the network, the main server is executed through the execution of a communication program in which the client PC 20 and the personal portable terminal 21 users are installed. The communication connection must proceed to (30). (S10)

That is, when a communication connection is attempted to the main server 30 through the execution of the communication program (S11), the main server 30 distinguishes whether the user is a personal portable terminal 21 user or a client PC 20 user. In the case of the user of the terminal 21, the communication connection is performed to the main server through the execution of the communication program without going through a user authentication step by a separate login screen.

When the user of the client PC 20 attempts a communication connection to the main server by executing a communication program (S11), the main server 30 outputs user login screen data to the corresponding client PC 20 that has performed the communication connection. The login screen is displayed on the screen of the client PC 20 (S13).

Then, it is determined whether the corresponding client PC 20 user inputs the login data of the ID and password through the login screen displayed on the screen (S14), and when the login data is input from the user, the main server 30 is a registered member. After confirming whether the communication is connected (S15)

However, if the login data is not input from the user as a result of the determination in step S14 described above, the main server 30 determines whether the user of the client PC 20 selects a new registration included in the login screen data (S16). ), When the user selects a new registration, outputs predetermined form data necessary for the new registration to the client PC 20, and performs new member registration based on the personal information including the financial account data input by the user. The connection proceeds (S17). If the user data of the linked system requests the communication connection from the linked system, after receiving the basic data (S18), the communication is connected to the main server 30 (S15).

As described above, when the users of each client PC 20 and the personal portable terminal 21 communicate with the main server 30 through the above-described process (S10), the main server 30 is connected to the corresponding client in the main server 30. By calling the financial information stored in the PC 20 or the personal portable terminal 21 (S21), when the stored specific financial information is called, the financial data such as the bank, collection request account number, remittance amount of the collection request from the main server 30; If the input window is output to the client PC 20 or the personal portable terminal 21 (S23), and there is no output of the specific financial information stored in the client PC 20 or the personal portable terminal 21, the main server 30 Outputs the financial data input window such as a list of each bank, user account (remittance request account) number to the client PC 20 or the personal portable terminal 21 (S22), and outputs the financial information input by the user to the main server (30). ), The main server 30 collects money Output the financial data input window such as request bank, collection request account number, remittance amount, etc. to the client PC 20 or personal portable terminal 21 (S23) and when the user inputs the above items, the collection request financial account 48 Confirm the remittance intention (S24). However, at this time, if it is determined that the remittance intention from the user as a result of the above-described step (S24), the process returns to the above-described step S23.

Now, when the input of the financial data for the real-time account transfer of the user of the client PC 20, personal portable terminal 21, as in the above-described process (S2O) is completed, the main server 30 in the account (remittance request) Check which 48 is the account of which financial institution (S31), try to access the server through the banking network to the financial institution server 40 belonging to the financial account 48 requesting the transfer (S32), a process to be described later As shown in S40, the main server 30 determines whether the automatic transfer result is received from the financial institution server 40 (S33), and when the financial institution server outputs the normal automatic transfer result, the financial account requested to be collected. (48) proceeds to the server connection to the financial institution server 41 through the firm banking network (S34). However, if the main server 30 does not receive a normal automatic transfer result in the above-described process (S33), it returns to the above-described step S32.

Then, when the connection to the financial institution server 40 through the firm banking network as in the above-described process (S32) and outputs the data related to the automatic transfer from the main server 30 to the financial institution server 40 (S41), the main server 30 determines whether the financial institution requires the user's account password (S42), if the financial institution server 40 requests the financial account password of the user (S43), the main The server 30 outputs a password input window to the client PC 20 or the personal portable terminal 21 of the user (S44), and the main server 30 inputs the password input by the user to the financial institution server 40. The financial institution server 40 determines the coincidence of the password input by the user (S45), and if the passwords match, the real time account from the remittance request financial account 45 through the password input by the user. Settlement for Transfer Service After the automatic transfer to the left (46) (S47), the result of the automatic transfer is stored in the main server (S48), and the connection to the financial institution server 41 to which the financial account 48 requested for collection in step S34 described above belongs. Proceed. However, if the password does not match, the main server 30 returns to the step of re-printing the password input window to the user's client PC 20 or the personal portable terminal 21. (S44) And the financial institution server If the user does not require the financial account password at 40, the process proceeds directly to step S47.

Now, after the account transfer proceeds normally as in step S40 described above, the main server 30 outputs the collection request related automatic transfer data to the financial institution server 41 (S51), the main server 30 When the financial institution server 41 determines the password of the settlement account 47 of the real-time account transfer service as in step S42 described above, and requests the settlement account 47 password from the financial institution server 41 (S53). The main server 30 outputs the password of the settlement account 47 to the corresponding financial institution server 41 (S54), and the financial institution server 41 inputs if the password output from the main server 30 matches. Automatic payment is performed from the settlement account 47 to the collection request financial account 48 through the received password (S55) and the main server 30 stores the result of the automatic transfer, and the result of the real time account transfer service of the client PC 20 or personal portable terminal And to output a (21) (S56) The system is shut down.

As described above, according to the network-type real-time financial account transfer service system and method using the firm banking network of the present method,

It is possible to process remittances between other financial institutions in real time like the Internet banking service on the network, and it is not cumbersome to join the Internet banking process, and users do not bear the fees when using the Internet payment service. In addition, by using a banking network, each bank has a function of collecting and distributing funds between banks and corporations, compared to the existing online account transfer method, which took 2-3 business days through the financial settlement network (CMS). Online bank transfer can be processed immediately upon request, and the existing value-added carriers form an independent network with the bank to separate the data and the amount separately and transfer the data only first, and then transfer the data and the amount at the same time. This can have the effect of transferring.

Therefore, this method enables users to pay wires, goods, and contents to others in real time on the Internet, and businesses using the Internet can also increase additional profits, such as reducing receivables and immediately retrieving payouts. Rather, it is expected to be applied in various forms to promote the interests of society as a whole.

Claims (7)

delete In the real-time financial account transfer server for providing a financial account transfer service to a user using a client computer or a personal portable terminal capable of data communication by performing data communication with a financial institution server for one or more financial institutions , A data input unit configured to receive financial data related to a financial account transfer desired by the user from the client computer or the personal portable terminal of the user; Based on financial data from the client computer and / or personal mobile terminal users, The server of the remittance financial institution in which the remittance account designated to be withdrawn by the user is opened, the amount of remittance by the user from the remittance account, the first settlement account opened in the remittance financial institution in which the remittance account is opened; Request a transfer to, After confirming that the transfer of funds from the remittance financial institution was successfully performed, the server of the collection financial institution in which the collection account designated to be deposited by the user is opened is arranged to open the collection institution in the collection financial institution in which the collection account is opened. A main control unit for requesting to transfer the amount of money requested by the user from a settlement account to the collection account; And And a communication control unit configured to communicate with the client computer and / or a personal mobile terminal and to communicate with the financial institution servers. The method of claim 1, The main server, Perform communication with a linkage system such as a shopping mall, and transmit and receive data related to payment or settlement in the linkage system, and input / output data related to payment or settlement in the linkage system to / from the main controller, Real-time financial account transfer server further comprises a system linkage control unit for performing the payment for the goods and / or services of the linked system. By performing data communication with a financial institution server for one or more financial institutions, a real-time financial account transfer service method for providing a financial account transfer service to a user using a client computer or a personal portable terminal capable of data communication in real time. In Receiving financial data related to a financial account transfer desired by the user from the client computer or the personal portable terminal of the user; On the basis of financial data from the client computer and / or personal mobile terminal users, a server of a remittance banking institution in which a remittance account designated to be withdrawn by the user is opened, is requested by the user from the remittance account. Requesting a remittance amount to be transferred to a first settlement account opened at the remittance financial institution where the remittance account is opened; After confirming that the bank transfer at the remittance financial institution has been successfully performed, a collection banking institution in which a collection account designated to be deposited by the user is opened based on financial data from the client computer and / or personal portable terminal users. Real-time financial account transfer service comprising the step of requesting the server of the transfer of the transfer amount required by the user from the second settlement account opened in the collection financial institution opened the collection account to the collection account; Way. The method of claim 4, wherein Real-time financial account transfer service method further comprising the step of performing communication with the linkage system such as shopping malls and the like to transmit and receive data related to the payment or payment in the linkage system. The method of claim 4, wherein The first settlement account and the second settlement account is a real-time financial account transfer service method is an account managed by the account transfer server. The method of claim 1, And the first settlement account and the second settlement account are both accounts managed by the account transfer server.