KR101103753B1 - Method and system for collective inquiry of banking account name, and computer readable medium thereof - Google Patents

Abstract

The present invention relates to a method, a system for retrieving a depositor name of a financial account, and a recording medium, comprising: receiving a plurality of account numbers to be inquired from an inquiry terminal requesting inquiry of a financial account; Classifying the account number corresponding to the other account among the plurality of account numbers and the account number corresponding to the current account; Generating an inquiry request text for the account number corresponding to the other account, transmitting the inquiry request text to the other server or the financial settlement server, and storing the inquiry request text transmitted to the other server or the financial settlement server in an internal database; Receiving and storing the inquiry response message for the account number corresponding to the other party account received from the other party server or the financial settlement source server during or after the transmission of the inquiry request message; And when the transmission of the inquiry request message and reception of the inquiry response message are completed, detecting the account holder names of the plurality of account numbers from the inquiry response message or the general ledger database, and outputting the detected account holder names to the query terminal. By doing so, it is possible to improve productivity and customer service due to the reduction of inquiry time, and to prevent remittance errors due to the difference of account number or account holder name.

Description

Method and system for collective inquiry of banking account name, and computer readable medium, etc.

The present invention relates to a method, a system, and a record medium for retrieving the names of the account holders of a financial account, and more particularly, a financial account for collectively retrieving a large number of account holder names in a single transaction regardless of the current account and the other account. And a program recording medium for executing the method.

In recent years, with the development of the financial industry, customers, financial institutions, or service organizations such as card companies, insurance companies, and telecommunication companies need to inquire account holder names for specific financial settlements in order to achieve various purposes.

From the point of view of a customer, financial institution, or service organization that has to manage multiple accounts and make payments for multiple accounts, accounts for multiple accounts to eliminate the risk of remittance errors due to differences in account numbers and account holder names. The account holder name should be inquired.

However, in order to inquire the name of the account holder of the account, it is inconvenient to perform the inquiry transaction for each account, and there is a problem that the inquiry transaction takes a considerable time.

The technical problem to be solved by the present invention is a method, a system, and a method for retrieving the names of the account holders of a financial account, which enables the user to collectively look up the account holder names of a large number of accounts in one transaction regardless of the current and other accounts. It is to provide a program recording medium for executing.

In addition, the technical problem to be solved by the present invention is to provide a method, a system for retrieving the account holder name of a financial account, and a program recording medium for executing the method that can reduce the time required for a large amount of account inquiry will be.

In order to solve the above technical problem, the depositor name collective query method of the financial account according to an embodiment of the present invention, receiving a plurality of account numbers to be inquired from the inquiring terminal requesting the inquiry of the financial account; Classifying an account number corresponding to the other account and an account number corresponding to the current account among the plurality of account numbers; Generating an inquiry request message for the account number corresponding to the other payment account and transmitting the inquiry request message to the other transaction server or the financial settlement source server, and storing the inquiry request message sent to the other transaction server or the financial settlement source server in an internal database; Receiving and storing the inquiry response message for the account number corresponding to the payment account received from the payment server or the financial settlement server during or after the transmission of the inquiry request message; And when the transmission of the inquiry request message and the reception of the inquiry response message are completed, the account holder names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected account holder names are transferred to the inquiry terminal. And outputting the batch.

The account holder name of the account number corresponding to the other party account may be detected from the full inquiry response, and the account holder name of the account number corresponding to the current account may be detected from the current ledger database.

The transmission of the inquiry request message may be executed sequentially for each of the account numbers corresponding to the other account.

The transmission of the inquiry request message may be simultaneously executed separately from the reception of the inquiry response message.

In addition, in order to solve the above technical problem, a computer-readable recording medium on which a program for executing the depositor name collective inquiry method of a financial account according to an embodiment of the present invention is recorded, the inquiry of the financial account is requested. Receiving a plurality of account numbers to be inquired from the inquirer terminal; Classifying an account number corresponding to the other account and an account number corresponding to the current account among the plurality of account numbers; Generating an inquiry request message for the account number corresponding to the other payment account and transmitting the inquiry request message to the other transaction server or the financial settlement source server, and storing the inquiry request message sent to the other transaction server or the financial settlement source server in an internal database; Receiving and storing the inquiry response message for the account number corresponding to the payment account received from the payment server or the financial settlement source server during or after the transmission of the inquiry request message; And when the transmission of the inquiry request message and the reception of the inquiry response message are completed, the account holder names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected account holder names are collectively transferred to the inquiry terminal. It characterized in that it comprises a step of outputting.

In addition, in order to solve the above technical problem, the account holders collective account inquiry system of the financial account according to an embodiment of the present invention, the account receiving a plurality of account numbers to be inquired from the inquiry terminal requesting the inquiry of the financial account Number input unit; Classifying the account number corresponding to the other account from the plurality of account numbers and the account number corresponding to the current account, generating a full inquiry request for the account number corresponding to the other account, and transmitting the full text to the other server or the financial settlement server; Professional transmission unit; Store the inquiry request message sent to the payment server or the financial settlement server, and store the inquiry request message in the account number corresponding to the payment account received from the payment server or the financial settlement server after transmitting the inquiry request message. A specialized storage unit for receiving and storing the inquiry response message about the message; And when the transmission of the inquiry request message and the reception of the inquiry response message are completed, the account holder names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected account holder names are collectively transferred to the inquiry terminal. It characterized in that it comprises a query information output unit for outputting.

According to an embodiment of the present invention, a plurality of account numbers are inputted at the same time from the inquirer terminal, the inquiry request message for the other account number is transmitted, and the inquirer is detected by detecting the account holder names of the plurality of account numbers from the inquiry response message or the general ledger database. By collectively outputting to the terminal, regardless of the current account and the other account, there is an effect that the account holder names of a large number of accounts can be inquired collectively in one transaction.

In addition, according to an embodiment of the present invention, by simultaneously executing the transmission of the inquiry request message separately from the receipt of the inquiry response message, there is an effect that can reduce the time required for a large amount of account inquiry.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a depositor name batch inquiry system of a financial account according to an embodiment of the present invention.

Referring to FIG. 1, the system for retrieving the names of the account holders of a financial account collectively searches the names of the account holders of a large number of accounts in one transaction regardless of the current and other accounts, and reduces the time required for retrieving a large amount of accounts. It is a system to make it possible.

In FIG. 1, the bank server 100 includes a bank host server 110 and a bank external server 120. The account holder batch inquiry system of the financial account may be included in the bank host server 120.

The bank host server 110 and the bank external server 120, the bank host server 110, and the bank employee terminal 135 are connected to each other through a bank internal communication network, and the bank server 100 is connected to a financial settlement source through a dedicated communication network. It is connected to the server 140 and the other server (150). In addition, the bank server 100 is connected to the customer terminal 130 through the communication network 125.

The bank host server 110 is a server for processing and managing funds and managing a customer's account. The bank external system server 120 is a server for controlling data transmission and reception with the customer terminal 130 connected through a communication network and managing communication security. The third party server 150 is a server of another bank for managing funds and customer accounts of other banks, and the financial settlement server 140 is a server for managing payment settlement operations between financial institutions.

FIG. 2 is a block diagram illustrating an exemplary internal configuration of a depositor name collective inquiry system of the financial account of FIG. 1.

Referring to FIG. 2, a bank account holder's name query system 200 includes an account number input unit 205, a professional transmission unit 210, an inquiry information output unit 230, and a current ledger database 240. .

The account number input unit 205 receives a plurality of account numbers to be inquired from the inquirer terminal requesting inquiry of the financial account and transmits the plurality of account numbers to the specialized transmission unit 210. The inquirer terminal may be an employee terminal 135 that handles business at a bank teller, or may be a customer terminal 130 connected to a bank server through a communication network 125 using internet banking. The plurality of account numbers includes both the account number corresponding to the current account and the account number corresponding to the other account. In the present specification, the account number is to include a bank code for distinguishing between the party line and the other line. Therefore, when a bank code is not included, it can recognize as a bank account, for example. In addition, the account number input unit 205 may provide a user interface that allows a user to input a plurality of account numbers at one time.

The full text transmitter 210 includes an account number classifier 212, a full text generator 214, and a communication processor 216.

The account number classification unit 212 classifies the account number corresponding to the other account and the account number corresponding to the current account among the plurality of account numbers received from the account number input unit 205. The full text generation unit 214 generates a full text inquiry request request for the account number corresponding to the other accounts classified by the account number classifier 212. The communication processor 216 transmits the inquiry request message generated by the message generator 214 to the other server or the financial settlement server 250. The communication processor 216 may sequentially transmit the inquiry request message to each of the plurality of account numbers corresponding to the other account. In particular, the communication processing unit 216 does not transmit a new inquiry request message after waiting until the inquiry response message is received in the specialized storage unit 220, but simultaneously transmits the inquiry request message text separately from receiving the inquiry response message. send. Repeating the process of sending the first inquiry request message and then waiting for an inquiry response message to be received, and then sending the second inquiry request message and waiting for an inquiry response message to be received. In this case, the time required to retrieve a large amount of accounts will increase considerably.

The full text storage unit 220 stores the full text of the inquiry request sent by the professional transmitting unit 210 to the other server or the financial settlement server 250 (222), during or after the transmission of the inquiry request text, The inquiry response message for the account number corresponding to the other account received from the other server or the financial settlement source server 250 is stored (224).

The inquiry information output unit 230 includes an account holder name detection unit 232 and an output control unit 234.

When the account holder name detection unit 232 completes the transmission of the inquiry request message by the message transmission unit 210 and the reception of the inquiry response message by the message storage unit 220, the inquiry response message 224 or the current ledger database ( In operation 240, the account holder names of the plurality of account numbers requested for inquiry may be detected. That is, the account holder name of the account number corresponding to the other account may be detected from the inquiry response full text 224, and the account holder name of the account number corresponding to the current account may be detected from the current ledger database 240.

The inquiry information output unit 230 collectively outputs the account holder names detected by the account holder name detector 232 to the query terminals 255 and 260. The batch output method may be in various embodiments. For example, the inquiry information output unit 230 may output the form of an Excel file including a list of account holder names created according to a predetermined format. Therefore, the account inquirer can query the current account and the other account at one time without any distinction.

3 is a flowchart illustrating a method for retrieving a depositor's name in a financial account according to an embodiment of the present invention.

Referring to FIG. 3, in step 302, the account holders' system for retrieving a bank account name of a financial account receives a plurality of account numbers to be inquired from an inquiry terminal requesting inquiry of a financial account. Here, the plurality of account numbers shall include a bank code for distinguishing between the current line and the other line.

In step 304, the account holder batch inquiry system of the financial account classifies the account number corresponding to the other account and the account number corresponding to the current account among the plurality of account numbers.

In step 306, if the inquiry number requested is the account number corresponding to the other account, the process proceeds to step 308 and step 312. Steps 308 and 312 are not sequentially performed, but transmission and reception are simultaneously performed for a plurality of account numbers.

If, at step 306, the account number requested for inquiry is an account number corresponding to a current account, the process proceeds to step 318.

In step 308, the depositor name batch inquiry system of the financial account generates a full inquiry request for the account number corresponding to the other account and transmits it to the other server or the financial settlement server. As described above, the transmission of the inquiry request message is sequentially performed for each of the account numbers corresponding to the other account.

In step 310, the account holder batch inquiry system of the financial account stores the full text of the inquiry request sent to the other party server or the financial settlement server in an internal database.

In step 312, the depositor name batch inquiry system of the financial account corresponds to the other account received from the other party server or the financial settlement server during or during the transmission / storing of the full inquiry request in steps 308 and 310. Receive full inquiry response to account number. As described above, the transmission of the inquiry request message is simultaneously executed separately from the receipt of the inquiry response message.

In step 314, the depositor name batch inquiry system of the financial account stores the received inquiry response text.

In step 316, the account holder batch inquiry system of the financial account determines whether the transmission of the inquiry request message and the reception of the inquiry response message have been completed. As a result of the determination, if the depositor name batch inquiry system of the financial account has completed transmission of the inquiry request message and reception of the inquiry response message, the process proceeds to step 318. On the other hand, if the account holder batch inquiry system of the financial account does not complete the transmission of the inquiry request message and the reception of the inquiry response message, the process repeats steps 308 to 314.

In step 318, the depositor name batch inquiry system of the financial account detects the depositor names of the plurality of account numbers from the full inquiry response or current ledger database. That is, the account holder name of the account number corresponding to the other account can be detected from the inquiry response, and the account holder name of the account number corresponding to the current account can be detected from the current ledger database.

In step 320, the depositor name batch inquiry system of the financial account collectively outputs the detected depositor name to the query terminal.

According to an embodiment of the present invention, a method of retrieving a bank account name of a bank account may be embodied as computer readable codes on a computer readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium may also be distributed over a networked computer system and stored and executed as computer readable code in a distributed manner.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

1 is a view showing a depositor name batch inquiry system of a financial account according to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating an exemplary internal configuration of a depositor name collective inquiry system of the financial account of FIG. 1.

3 is a flowchart illustrating a method for retrieving a depositor's name in a financial account according to an embodiment of the present invention.

Claims (6)

Receiving, at the bank server, a plurality of account numbers of others to be inquired from an inquirer terminal requesting inquiry of a financial account; Classifying, at a bank server, an account number corresponding to a third party account and an account number corresponding to a current account among the plurality of account numbers; Generating, at a bank server, an inquiry request message for the account number corresponding to the other payment account, transmitting the inquiry request message to the other payment server or the financial settlement server, and storing the inquiry request message sent to the other payment server or the financial settlement source server in an internal database; ; Receiving and storing an inquiry response message for an account number corresponding to the payment account received from the payment server or the financial settlement server, during or after the transmission of the inquiry request message; And In the bank server, when the transmission of the inquiry request message and the reception of the inquiry response message are completed, the depositor names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected depositor names are referred to the queryer. Outputting the batch to the terminal; The inquiry request message transmission is executed sequentially for each of the account number corresponding to the other account, the depositor name collective query method of the financial account, characterized in that is executed simultaneously at the same time separately from the receipt of the inquiry response message. The method of claim 1, Account holder name of the account number corresponding to the other party account is detected from the inquiry response, the account holder name of the account number corresponding to the current account is detected from the current ledger database, characterized in that the name of the account holder name of the financial account . delete delete Receiving, at the bank server, a plurality of account numbers of others to be inquired from an inquirer terminal requesting inquiry of a financial account; Classifying, at a bank server, an account number corresponding to a third party account and an account number corresponding to a current account among the plurality of account numbers; Generating, at a bank server, an inquiry request message for the account number corresponding to the other payment account, transmitting the inquiry request message to the other payment server or the financial settlement server, and storing the inquiry request message sent to the other payment server or the financial settlement source server in an internal database; ; Receiving and storing an inquiry response message for an account number corresponding to the payment account received from the payment server or the financial settlement server, during or after the transmission of the inquiry request message; And In the bank server, when the transmission of the inquiry request message and the reception of the inquiry response message are completed, the depositor names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected depositor names are referred to the queryer. Outputting the batch to the terminal; The inquiry request message transmission is executed sequentially for each of the account number corresponding to the other account, and the depositor name collective query method of the financial account, characterized in that is executed simultaneously at the same time separately from the receipt of the inquiry response message. A computer readable recording medium having recorded thereon a program for execution. An account number input unit configured to receive a plurality of account numbers of others to be inquired from an inquiry terminal requesting inquiry of a financial account; Classifying the account number corresponding to the other account from the plurality of account numbers and the account number corresponding to the current account, generating a full inquiry request for the account number corresponding to the other account, and transmitting the full text to the other server or the financial settlement server; Professional transmission unit; Store the inquiry request message sent to the payment server or the financial settlement server, and store the inquiry request message in the account number corresponding to the payment account received from the payment server or the financial settlement server after transmitting the inquiry request message. A specialized storage unit for receiving and storing the inquiry response message about the message; And When the transmission of the inquiry request message and the reception of the inquiry response message are completed, the account holder names of the plurality of account numbers are detected from the inquiry response message or the general ledger database, and the detected account holder names are collectively output to the query terminal. Including query information output unit to, The inquiry request message transmission is executed sequentially for each of the account number corresponding to the other account, the depositor name collective query system of the financial account, characterized in that is executed simultaneously at the same time separately from the receipt of the inquiry response message.

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