Integrated banking device using fintech

Abstract

An integrated banking device using fintech is disclosed. The integrated banking device using fintech, according to an embodiment, comprises: a receiver for receiving account information of a second object providing funds from a first object requesting a deposit of the funds; a first server that provides a financial service on the basis of the account information; and a processor that provides, to the second object, an application programming interface (API) for generating interworking information corresponding to an account of the second object by interworking with the second object, and withdraws the funds from the account of the second object on the basis of a request for the deposit and the interworking information.

Description

Integrated banking device using fintech

[0001] The embodiments relate to an integrated banking device using fintech.

[0002] Fintech is a compound word of finance and technology, and it refers to changes in financial services and industries based on advanced information technologies such as mobile, big data, and social network services (SNS). Fintech is the convergence of finance and IT, such as mobile payments, remittances, asset management, and crowdfunding.

[0003] Banking services refer collectively to the activities of managing funds held in bank accounts. The forms in which fintech services provide fund management using customers' financial information are continuously evolving.

[0004] Fintech can also be used to handle funds among multiple stakeholders in business relationships.

[0005] The technical problem of the present disclosure is to provide an integrated banking device that can increase user convenience by automating fund management and document issuance among objects that frequently transfer funds.

[0006] In an integrated banking device using fintech, the integrated banking device according to one embodiment includes a receiver that receives account information of a second object providing funds from a first object requesting a deposit of funds, a first server that provides financial services based on said account information, and a processor that provides an API (Application Programming Interface) to said second object to generate linkage information corresponding to the account of said second object in conjunction with said second object, and withdraws funds from said second object's account based on said deposit request and said linkage information.

[0007] The above linkage information includes the account number of the second object, the balance of the second object's account, and the deposit and withdrawal history of the second object's account, and the processor may provide an API for generating the linkage information to the second object and store the generated linkage information by performing scraping or crawling on the second object in conjunction with the first server based on the API.

[0008] The processor provides transfer information corresponding to the withdrawal of funds received from the first server to the first object, and in conjunction with a second server that performs the issuance of transaction documents related to the funds based on the transfer information, provides the transaction documents to the first object and the second object, and the transaction documents may include at least one of an estimate, a tax invoice, and a transaction statement related to the funds.

[0009] The processor can query the account balance of the second object in conjunction with the first server, and if the account balance satisfies the deposit request, perform at least one of providing an API, scraping, or crawling in conjunction with the first server to withdraw funds from the account of the second object, deposit the funds withdrawn from the account of the second object into an intermediary account, and withdraw the funds deposited into the intermediary account to the account of the first object.

[0010] The processor may query the account balance of the second object in conjunction with the first server, and if there are outstanding funds because the account balance does not satisfy the deposit request, search for one or more additional registered accounts of the second object, and if one or more additional registered accounts exist, withdraw the outstanding funds from the account of the second object by performing at least one of providing an API, scraping, or crawling in conjunction with the first server, and if there are no one or more additional registered accounts, provide transfer suspension information to the first object.

[0011] The processor may set a first balance inquiry period for inquiring about the balance of the one or more additional registered accounts when there are outstanding funds because the amount withdrawn from the one or more additional registered accounts does not satisfy the request for deposit, and if the balance corresponding to the outstanding funds is not inquired within the first balance inquiry period, set a second balance inquiry period shorter than the first balance inquiry period, and provide the first object with an option to perform forced execution on the second object when the second balance inquiry period is shorter than a threshold period or when a preset withdrawal deadline has passed.

[0012] The processor can query the account balance of the second object in conjunction with the first server, and if there are outstanding funds because the account balance does not satisfy the deposit request, search for the receivable of the second object, query the account balance of the third object that is the debtor of the receivable of the second object, and based on the deposit request, perform at least one of providing an API, scraping, or crawling in conjunction with the first server to withdraw the outstanding funds from the account of the third object, deposit the outstanding funds into the account of the first object via the account of the second object, or deposit the outstanding funds from the account of the third object into an intermediary account, and withdraw the outstanding funds deposited in the intermediary account to the account of the first object.

[0013] The embodiments can increase user convenience by automating fund management and document issuance among objects with frequent fund transfers.

[0014] In addition, various effects that can be identified directly or indirectly through this document may be provided.

[0015] FIG. 1 shows a schematic block diagram of an integrated banking device according to one embodiment.

[0016] Figure 2 is a diagram for explaining the operation of the integrated banking device illustrated in Figure 1.

[0017] FIG. 3 is a diagram illustrating an example of the operation in which the integrated banking device shown in FIG. 1 generates linkage information.

[0018] FIG. 4 is a diagram illustrating another example of the operation in which the integrated banking device illustrated in FIG. 1 generates linkage information.

[0019] FIG. 5 is a diagram illustrating an example of the operation in which the integrated banking device shown in FIG. 1 performs a fund transfer and issues a statement.

[0020] FIGS. 6 and 7 show examples of operation according to the account balance of the integrated banking device illustrated in FIG. 1.

[0021] Figure 8 shows an example of a bond search operation of the integrated banking device illustrated in Figure 1.

[0022] Figure 9 shows a flowchart of the operation of the integrated banking device illustrated in Figure 1.

[0023] An integrated banking device using fintech according to an embodiment of the present disclosure includes a receiver that receives account information of a second object providing funds from a first object requesting a deposit of funds, a first server that provides financial services based on said account information, and a processor that provides an API (Application Programming Interface) to the second object to generate linkage information corresponding to the account of the second object in conjunction with said second object, and withdraws funds from the account of the second object based on said deposit request and said linkage information.

[0024] Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only and may be modified and implemented in various forms. Accordingly, actual implementations are not limited to the specific embodiments disclosed, and the scope of this specification includes modifications, equivalents, or substitutions included in the technical concept described by the embodiments.

[0025] Terms such as "first" or "second" may be used to describe various components, but these terms should be interpreted solely for the purpose of distinguishing one component from another. For example, the first component may be named the second component, and similarly, the second component may be named the first component.

[0026] When it is stated that a component is "connected" to another component, it should be understood that it may be directly connected to or joined to that other component, or that there may be other components in between.

[0027] Singular expressions include plural expressions unless the context clearly indicates otherwise. In this document, phrases such as “A or B,” “at least one of A and B,” “at least one of A or B,” “A, B or C,” “at least one of A, B and C,” and “at least one of A, B, or C” may each include any one of the items listed together with the corresponding phrase, or all possible combinations thereof. In this specification, terms such as “comprising” or “having” are intended to designate the existence of the described feature, number, step, action, component, part, or combination thereof, and should be understood as not precluding the existence or addition of one or more other features, numbers, steps, actions, components, parts, or combinations thereof.

[0028] Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as generally understood by those skilled in the art. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with their meaning in the context of the relevant technology, and should not be interpreted in an ideal or overly formal sense unless explicitly defined in this specification.

[0029] As used herein, the term "module" may include a unit implemented in hardware, software, or firmware, and may be used interchangeably with terms such as logic, logic block, component, or circuit. A module may be a component formed integrally, or a minimum unit of said component or a part thereof that performs one or more functions. For example, according to one embodiment, a module may be implemented in the form of an application-specific integrated circuit (ASIC).

[0030] As used in this document, the term "part" refers to a software or hardware component, such as an FPGA or ASIC, that performs certain roles. However, "part" is not limited to software or hardware. "Part" may be configured to reside in an addressable storage medium or configured to operate one or more processors. For example, "part" may include components such as software components, object-oriented software components, class components, and task components, as well as processes, functions, attributes, procedures, subroutines, segments of program code, drivers, firmware, microcode, circuits, data, databases, data structures, tables, arrays, and variables. The functions provided within the components and "parts" may be combined into a smaller number of components and "parts" or further separated into additional components and "parts." Furthermore, components and "parts" may be implemented to operate one or more CPUs within a device or secure multimedia card. Additionally, '~part' may include one or more processors.

[0031] Hereinafter, embodiments will be described in detail with reference to the attached drawings. In the description with reference to the attached drawings, identical components are given the same reference numeral regardless of the drawing number, and redundant descriptions thereof will be omitted.

[0032]

[0033] FIG. 1 shows a schematic block diagram of an integrated banking device according to one embodiment, and FIG. 2 is a diagram for explaining the operation of the integrated banking device shown in FIG. 1.

[0034] Referring to FIGS. 1 and 2, the integrated banking device (10) can provide integrated banking services using FinTech. FinTech (or Financial Technology) is a compound word of Finance and Technology, and may refer to financial services based on advanced information technology such as mobile, big data, and SNS (Social Network Service).

[0035] Integrated banking services may include online-based services that combine finance and IT (Information Technology), such as payment, remittance, asset management, and crowdfunding.

[0036] The integrated banking device (10) can manage the transfer of funds between multiple objects (e.g., a first object (230) or a second object (270)). The multiple objects (the first object (230) or the second object (270)) may include entities capable of conducting banking services. The multiple objects (the first object (230) or the second object (270)) may include legal persons or natural persons. For example, the multiple objects (the first object (230) or the second object (270)) may include business operators or individuals.

[0037] The integrated banking device (10) can provide banking services to multiple objects (first object (230) or second object (270)) by interacting with multiple servers (e.g., first server (250) and second server (290)).

[0038] The first server (250) may include a server of a service provider that provides financial services. For example, the first server (250) may include a server of the Korea Financial Settlement Institute or a server of a bank.

[0039] The second server (290) may include a server of an institution that issues transaction documents. For example, the second server (290) may include a server of a company that issues transaction statements, tax invoices, and / or quotations.

[0040] The integrated banking device (10) can be implemented as a printed circuit board (PCB) such as a motherboard, an integrated circuit (IC), or a system on chip (SoC). The integrated banking device (10) can be implemented as an application processor.

[0041] Additionally, the integrated banking device (10) can be implemented in a PC (personal computer), data server, kiosk, or portable device.

[0042] Portable devices can be implemented as laptop computers, mobile phones, smartphones, tablet PCs, mobile internet devices (MID), personal digital assistants (PDA), enterprise digital assistants (EDA), digital still cameras, digital video cameras, portable multimedia players (PMP), personal navigation devices (PND), handheld game consoles, e-books, or smart devices. Smart devices can be implemented as smart watches, smart bands, or smart rings.

[0043] The integrated banking device (10) includes a receiver (100) and a processor (200). The integrated banking device (10) may further include a memory (300).

[0044] The receiver (100) may include a receiving interface. The receiver (100) may receive data from an external source or from memory (300). The receiver (100) may output the received data to a processor (200).

[0045] The receiver (100) can receive account information of an object providing funds (e.g., a second object (270)) from an object requesting the deposit of funds (e.g., a first object (230)).

[0046] The processor (200) can process data stored in memory (300). The processor (200) can execute computer-readable code (e.g., software) stored in memory (300) and instructions triggered by the processor (200).

[0047] The processor (200) may be a data processing device implemented in hardware having a circuit having a physical structure for executing desired operations. For example, the desired operations may include code or instructions included in a program.

[0048] For example, a data processing device implemented in hardware may include a microprocessor, a central processing unit, a processor core, a multi-core processor, a multiprocessor, an Application-Specific Integrated Circuit (ASIC), and a Field Programmable Gate Array (FPGA).

[0049] The processor (200) may receive account information of a second object (270) that provides funds from a first object (230) that requests the deposit of funds from a receiver (100). Based on the account information, the processor (200) may provide an API (Application Programming Interface) to the second object (270) to generate linkage information corresponding to the account of the second object (270) by linking with the first server (250) that provides financial services and the second object (270).

[0050] The linked information may include the account number of the second object (270), the balance of the account of the second object (270), and the deposit and withdrawal history of the account of the second object (270).

[0051] The processor (200) may provide an API for generating linkage information to the second object (270). The processor (200) may store the generated linkage information by performing scraping or crawling on the second object (270) in conjunction with the first server (250) based on the API. The processor (200) may store the linkage information in memory (300).

[0052] Scraping may include the operation of automatically extracting data. Scraping may include the operation of extracting data having a specific pattern and storing the extracted data in a specific database.

[0053] Crawling may include the actions of exploring and collecting information. Crawling may include the creation of copies of data and the creation of summaries. Crawling may include the action of indexing the explored or collected data.

[0054] The processor (200) can withdraw funds from the account of the second object (270) based on the deposit request and linkage information.

[0055] The processor (200) can provide transfer information corresponding to the withdrawal of funds received from the first server (250) to the first object (230). The processor (200) can provide the transaction documents to the first object (230) and the second object (270) by linking with the second server (290), which performs the issuance of transaction documents related to the funds based on the transfer information.

[0056] Transaction documents may include at least one of an estimate, a tax invoice, and a transaction statement related to funds.

[0057] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If the account balance satisfies the deposit request, the processor (200) can withdraw funds from the account of the second object (270) by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250). The processor (200) can deposit the funds withdrawn from the account of the second object (270) into an intermediary account and withdraw the funds deposited into the intermediary account to the account of the first object (230).

[0058] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for one or more additional registered accounts of the second object (270).

[0059] If the second object (270) has one or more additional registered accounts, the processor (200) can withdraw outstanding funds from the second object (270)'s account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0060] The processor (200) may provide transfer suspension information to the first object (230) if there is no one or more additional registered accounts.

[0061] The processor (200) can set a first balance inquiry cycle to inquire about the balance of one or more additional registration accounts when there are outstanding funds because the amount withdrawn from one or more additional registration accounts does not satisfy the request for deposit.

[0062] If the balance corresponding to the outstanding funds is not found within the first balance inquiry period, the processor (200) may set a second balance inquiry period shorter than the first balance inquiry period.

[0063] The processor (200) may provide the first object (230) with an option to perform forced execution on the second object (270) if the second balance inquiry cycle is shorter than the threshold cycle or if the preset withdrawal deadline has passed.

[0064] Options for carrying out enforcement may include options for legal response. For example, options may include sending a certified letter, appointing an attorney, auctioning, seizure of rights, and / or provisional seizure of rights.

[0065] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for the receivables of the second object (270).

[0066] The processor (200) can check the account balance of the third object, which is the debtor of the second object (270). Based on a deposit request, the processor (200) can withdraw outstanding funds from the third object's account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0067] The processor (200) can deposit outstanding funds into the account of the first object (230) via the account of the second object (270). The processor (200) can deposit outstanding funds from the account of the third object into the intermediary account. The processor (200) can withdraw the outstanding funds deposited into the intermediary account to the account of the first object (230).

[0068] The processor (200) can provide banking services using artificial intelligence (AI).

[0069] Artificial intelligence can refer to a computer system equipped with functions such as learning, reasoning, or judgment. Artificial intelligence can be implemented using neural networks.

[0070] Neural networks (or artificial neural networks) in machine learning and cognitive science can include statistical learning algorithms that mimic biological neurons. A neural network can refer to a model in general that possesses problem-solving capabilities by having artificial neurons (nodes), which form a network through synaptic connections, change the strength of these connections through learning.

[0071] Neurons in a neural network may include a combination of weights or biases. A neural network may include one or more neurons or one or more layers composed of nodes. A neural network can infer a result to be predicted from an arbitrary input by changing the weights of the neurons through learning.

[0072] Neural networks can include deep neural networks. Neural networks include CNN (Convolutional Neural Network), RNN (Recurrent Neural Network), perceptron, multilayer perceptron, FF (Feed Forward), RBF (Radial Basis Network), DFF (Deep Feed Forward), LSTM (Long Short Term Memory), GRU (Gated Recurrent Unit), AE (Auto Encoder), VAE (Variational Auto) Encoder), DAE (Denoising Auto Encoder), SAE (Sparse Auto Encoder), MC (Markov Chain), HN (Hopfield Network), BM (Boltzmann Machine), RBM (Restricted Boltzmann Machine), DBN (Depp Belief Network), DCN (Deep Convolutional Network), DN (Deconvolutional Network), DCIGN (Deep Convolutional Inverse Graphics Network), GAN (Generative Adversarial Network), LSM (Liquid State Machine), ELM (Extreme Learning Machine), ESN (Echo It may include State Network), DRN (Deep Residual Network), DNC (Differentiable Neural Computer), NTM (Neural Turning Machine), CN (Capsule Network), KN (Kohonen Network), Transformer, and AN (Attention Network).

[0073] The memory (300) may store data for operations performed by the processor (200) or the results of operations of the processor (200). The memory (300) may store instructions (or programs) executable by the processor (200). For example, the instructions may include instructions for executing the operation of the processor (200) and / or the operation of each component of the processor (200).

[0074] The memory (300) can be implemented as a volatile memory device or a non-volatile memory device.

[0075] Volatile memory devices can be implemented as DRAM (dynamic random access memory), SRAM (static random access memory), T-RAM (thyristor RAM), Z-RAM (zero capacitor RAM), or TTRAM (Twin Transistor RAM).

[0076] Non-volatile memory devices can be implemented as EEPROM (Electrically Erasable Programmable Read-Only Memory), flash memory, MRAM (Magnetic RAM), Spin-Transfer Torque (STT)-MRAM, Conductive Bridging RAM (CBRAM), FeRAM (Ferroelectric RAM), PRAM (Phase change RAM), Resistive RAM (RRAM), Nanotube RRAM, Polymer RAM (PoRAM), Nano Floating Gate Memory (NFGM), holographic memory, Molecular Electronic Memory Device, or Insulator Resistance Change Memory.

[0077] The memory (300) can store navigation information and insurance information. The memory (300) can output the stored navigation information and insurance information to the processor (200) or externally in response to a request from the processor (200).

[0078]

[0079] FIG. 3 is a diagram illustrating an example of the operation in which the integrated banking device shown in FIG. 1 generates linkage information.

[0080] Referring to FIG. 3, a processor (e.g., processor (200) of FIG. 1) can perform account registration of a first object (230) requesting a deposit of funds. The processor (200) receives a bank linkage request from the first object (230) and can generate and store linkage information by linking with the first server (250).

[0081] Linkage information may include various financial information such as the account number, bank, balance, and deposit / withdrawal history of a user using an integrated banking device (e.g., the integrated banking device (10) of FIG. 1). For example, linkage information may include the account number of the first object (230), the balance of the account of the first object (230), and the deposit / withdrawal history of the account of the first object (230).

[0082] The processor (200) can perform account registration for the first object (230). Account registration can include business information and all information for using the financial services provided by the processor (200).

[0083] The processor (200) can perform account registration by performing account registration directly or by providing an API to the first object (230).

[0084] The processor (200) can send a connection request to the first server (250) using API, scraping, or crawling. The processor (200) can store the connection information generated from the first server (250) in memory (e.g., memory (300) of FIG. 1).

[0085]

[0086] FIG. 4 is a diagram illustrating another example of the operation in which the integrated banking device illustrated in FIG. 1 generates linkage information.

[0087] Referring to FIG. 4, a processor (e.g., processor (200) of FIG. 1) can receive account information of a second object (e.g., second object (270) of FIG. 2) providing funds from a first object (230) requesting the deposit of funds.

[0088] The processor (200) can provide an API to the second object (270) to generate linkage information corresponding to the account of the second object (270) by linking with the first server (250) and the second object (270) that provide financial services based on account information.

[0089] Linkage information may include various financial information such as the account number, bank, balance, and deposit / withdrawal history of a user using an integrated banking device (e.g., the integrated banking device (10) of FIG. 1). For example, linkage information may include the account number of the second object (270), the balance of the account of the second object (270), and the deposit / withdrawal history of the account of the second object (270).

[0090] The processor (200) may send a request for consent to the second object (270) for the creation of linkage information and the transfer of funds. In response to the receipt of consent from the second object (270), the processor (200) may register the account of the second object (270) and create and store linkage information.

[0091] The processor (200) can perform account registration for the first object (230) or the second object (270). Account registration can include business information and all information for using the financial services provided by the processor (200).

[0092] The processor (200) can perform account registration by performing account registration directly or by providing an API to the first object (230) or the second object (270).

[0093] The processor (200) may receive a linkage registration guidance request for the second object (270) from the first object (230). In response to the linkage registration guidance request, the processor (200) may link with the first server (250) and send a linkage request (e.g., a bank linkage request) to the second object (270).

[0094] The processor (200) can generate linkage information for the second object (270) through API, scraping, or crawling in conjunction with the first server (250), and store the generated linkage information in memory (e.g., memory (300) of FIG. 1).

[0095]

[0096] FIG. 5 is a diagram illustrating an example of the operation in which the integrated banking device shown in FIG. 1 performs a fund transfer and issues a statement.

[0097] Referring to FIG. 5, a processor (e.g., processor (200) of FIG. 1) may provide transfer information corresponding to the withdrawal of funds received from a first server (250) to a first object (230). The processor (200) may provide transaction documents to the first object (230) and a second object (270) by linking with a second server (290) that performs the issuance of transaction documents related to funds based on the transfer information. The transaction documents may include at least one of an estimate, a tax invoice, and a transaction statement related to funds.

[0098] The processor (200) can perform account registration of the first object (230) or the second object (270). The account registration process is the same as described in FIGS. 3 and FIGS. 4.

[0099] The processor (200) can withdraw funds from the account of the second object (270) by linking with the first server (250). The processor (200) can request consent from the second object (270) for bank linkage and receive a response regarding whether consent is given.

[0100] The processor (200) can generate and store linkage information related to the second object (270) by linking with the first server (250).

[0101] When the processor (200) receives a fund transfer request from the first object (230), it may withdraw funds from the account of the second object (270) based on stored linkage information. When funds are withdrawn, the processor (200) may generate transfer result information (e.g., bank transfer result information) by linking with the first server (250). The transfer result information may include the account holder, recipient, account number, transfer amount, transfer time, and date.

[0102] The processor (200) can store transfer result information in memory (e.g., memory (300) of FIG. 1). The processor (200) can transmit transfer result information to the first object (230).

[0103] The processor (200) can generate or issue a transaction document. It can issue a transaction document when a transfer is successful or in response to a request from the first object (230) or the second object (270).

[0104] The processor (200) stores information on the type of transaction document, the type of transaction document, tax exemption status, and / or transfer result, and can issue a transaction document based on the stored information. The type of transaction document may include an estimate, a tax invoice, and / or a transaction statement. The type of transaction document may include an invoice type or a receipt type.

[0105] The processor (200) can change the criteria for issuing transaction documents based on account information or linkage information registered by the first object (230) or the second object (270).

[0106] The processor (200) may provide transfer result information and transaction document issuance information to the first object (230) or the second object (270) in the form of a text notification, email, popup and / or API. The processor (200) may store the transaction document issuance information in memory (300).

[0107]

[0108] FIGS. 6 and 7 show examples of operation according to the account balance of the integrated banking device illustrated in FIG. 1.

[0109] Referring to FIGS. 6 and 7, a processor (e.g., processor (200) of FIG. 1) can check the account balance of a second object (270) by interacting with a first server (250). The processor (200) can check the account balance of a second object (270) by responding to an account transfer execution request of a first object (230) by interacting with a first server (250).

[0110] The processor (200) can determine whether the account balance of the second object (270) satisfies the deposit request. If the account balance satisfies the deposit request, the processor (200) can withdraw funds from the account of the second object (270) by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0111] The processor (200) can deposit funds withdrawn from the account of the second object (270) into an intermediary account, and withdraw funds deposited into the intermediary account to the account of the first object (230).

[0112] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for one or more additional registered accounts of the second object (270).

[0113] If the second object (270) has one or more additional registered accounts, the processor (200) can withdraw outstanding funds from the second object (270)'s account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0114] The processor (200) may provide transfer suspension information to the first object (230) if there is no one or more additional registered accounts.

[0115] The processor (200) can set a first balance inquiry cycle to inquire about the balance of one or more additional registration accounts when there are outstanding funds because the amount withdrawn from one or more additional registration accounts does not satisfy the request for deposit.

[0116] If the balance corresponding to the outstanding funds is not found within the first balance inquiry period, the processor (200) may set a second balance inquiry period shorter than the first balance inquiry period.

[0117] The processor (200) can determine the priority of multiple additional registration accounts based on the transfer amount in accordance with the deposit request. The processor (200) can determine the priority of multiple additional registration accounts according to the selection of the first object (230) or the second object (270).

[0118] The processor (200) can perform withdrawals sequentially based on a determined priority. The processor (200) can stop the transfer if the sum of all funds in multiple additional registered accounts is less than the transfer amount according to the deposit request.

[0119] The processor (200) may provide the first object (230) with an option to perform forced execution on the second object (270) if the second balance inquiry cycle is shorter than the threshold cycle or if the preset withdrawal deadline has passed.

[0120] Options for carrying out enforcement may include options for legal response. For example, options may include sending a certified letter, appointing an attorney, auctioning, seizure of rights, and / or provisional seizure of rights.

[0121] The processor (200) can determine the financial status of the second object (270) using a neural network. The processor (200) can learn the deposit or withdrawal patterns of the second object (270) by inputting changes in the second object (270)'s account into the neural network.

[0122] The pattern of deposits or withdrawals of funds may include the amount, timing, frequency, and / or source of the funds.

[0123] The processor (200) can predict when to withdraw funds from the account of the second object (270) based on learned deposit or withdrawal patterns and determine the priority of multiple additional registered accounts.

[0124] The processor (200) can determine a weight corresponding to each of the multiple additional registration accounts using a neural network, and determine the priority of the multiple additional registration accounts and / or the timing of withdrawal for the multiple additional registration accounts based on the determined weight.

[0125]

[0126] Figure 8 shows an example of a bond search operation of the integrated banking device illustrated in Figure 1.

[0127] Referring to FIG. 8, a processor (e.g., the processor (200) of FIG. 1) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for the receivables of the second object (270).

[0128] The processor (200) can check the account balance of the third object, which is the debtor of the second object (270). Based on a deposit request, the processor (200) can withdraw outstanding funds from the third object's account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0129] The processor (200) can deposit outstanding funds into the account of the first object (230) via the account of the second object (270). The processor (200) can deposit outstanding funds from the account of the third object into the intermediary account. The processor (200) can withdraw the outstanding funds deposited into the intermediary account to the account of the first object (230).

[0130] The processor (200) can determine whether the second object (270) or the third object (310) is subscribed to the service provided by the integrated banking device (10). If the second object (270) or the third object (310) is not subscribed to the service provided by the integrated banking device (10), the processor (200) can provide an API for account registration.

[0131] The processor (200) can classify the bonds of the second object (270) using a neural network. The processor (200) can classify the type of bond, the amount of the bond, and whether the bond can be exercised by inputting the account information of the second object (270) into the neural network.

[0132] The withdrawal operation for balance inquiry and additional registration for the third object of the processor (200) may be the same as described with reference to FIG. 7.

[0133]

[0134] Figure 9 shows a flowchart of the operation of the integrated banking device illustrated in Figure 1.

[0135] Referring to FIG. 9, a receiver (e.g., receiver (100) of FIG. 1) can receive account information of a second object (270) providing funds from a first object (230) requesting the deposit of funds (910).

[0136] The processor (200) can provide an API (Application Programming Interface) to the second object (270) to generate linkage information corresponding to the account of the second object (270) by linking with the first server (250) and the second object (270) that provide financial services based on account information (930).

[0137] The linked information may include the account number of the second object (270), the balance of the account of the second object (270), and the deposit and withdrawal history of the account of the second object (270).

[0138] The processor (200) may provide an API for generating linkage information to the second object (270). The processor (200) may store the generated linkage information by performing scraping or crawling on the second object (270) in conjunction with the first server (250) based on the API. The processor (200) may store the linkage information in memory (300).

[0139] The processor (200) can withdraw funds from the account of the second object (270) based on the deposit request and linkage information (950).

[0140] The processor (200) can provide transfer information corresponding to the withdrawal of funds received from the first server (250) to the first object (230). The processor (200) can provide the transaction documents to the first object (230) and the second object (270) by linking with the second server (290), which performs the issuance of transaction documents related to the funds based on the transfer information.

[0141] Transaction documents may include at least one of an estimate, a tax invoice, and a transaction statement related to funds.

[0142] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If the account balance satisfies the deposit request, the processor (200) can withdraw funds from the account of the second object (270) by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250). The processor (200) can deposit the funds withdrawn from the account of the second object (270) into an intermediary account and withdraw the funds deposited into the intermediary account to the account of the first object (230).

[0143] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for one or more additional registered accounts of the second object (270).

[0144] If the second object (270) has one or more additional registered accounts, the processor (200) can withdraw outstanding funds from the second object (270)'s account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0145] The processor (200) may provide transfer suspension information to the first object (230) if there is no one or more additional registered accounts.

[0146] The processor (200) can set a first balance inquiry cycle to inquire about the balance of one or more additional registration accounts when there are outstanding funds because the amount withdrawn from one or more additional registration accounts does not satisfy the request for deposit.

[0147] If the balance corresponding to the outstanding funds is not found within the first balance inquiry period, the processor (200) may set a second balance inquiry period shorter than the first balance inquiry period.

[0148] The processor (200) may provide the first object (230) with an option to perform forced execution on the second object (270) if the second balance inquiry cycle is shorter than the threshold cycle or if the preset withdrawal deadline has passed.

[0149] Options for carrying out enforcement may include options for legal response. For example, options may include sending a certified letter, appointing an attorney, auctioning, seizure of rights, and / or provisional seizure of rights.

[0150] The processor (200) can check the account balance of the second object (270) in conjunction with the first server (250). If there are outstanding funds because the account balance does not satisfy the deposit request, the processor (200) can search for the receivables of the second object (270).

[0151] The processor (200) can check the account balance of the third object, which is the debtor of the second object (270). Based on a deposit request, the processor (200) can withdraw outstanding funds from the third object's account by performing at least one of providing an API, scraping, or crawling in conjunction with the first server (250).

[0152] The processor (200) can deposit outstanding funds into the account of the first object (230) via the account of the second object (270). The processor (200) can deposit outstanding funds from the account of the third object into the intermediary account. The processor (200) can withdraw the outstanding funds deposited into the intermediary account to the account of the first object (230).

[0153] In the embodiment, the processor (200) collects information on a plurality of payment methods and a payment order from a first business operator terminal, verifies whether payment is possible for the first business operator, and proceeds with payment using the plurality of payment methods according to the collected payment order. In the embodiment, the payment methods may include card, bank transfer, and deposit payment. Additionally, the payment method information may include a unique card number and personal information required for card payment, an account number, account holder and bank information required for bank transfer, and authentication information required for deposit payment.

[0154] For example, the processor (200) collects information on multiple payment methods (e.g., card, account transfer, deposit payment) and the order in which payments are to be made using these methods from the first business operator terminal, and checks whether the first business operator's payment is possible based on the collected payment method information. Specifically, in the case of card payment, the processor (200) verifies whether information such as the card's expiration date, card number, CVV, etc., is valid. It also checks whether payment is impossible due to issues such as the card being blocked or exceeding the limit. In addition, in the case of account transfer, the processor (200) checks whether the entered account number and bank information are correct. It can also check whether there is a sufficient balance in the account. In addition, in the case of deposit payment, the processor (200) checks whether there is a sufficient deposit in the first business operator's account and whether the authentication information required for deposit payment is correct.

[0155] Additionally, the processor (200) checks whether payment is possible through real-time communication with a payment system (card company, bank, deposit management system, etc.). In this process, it can receive approval from the payment system and finally determine whether payment is possible.

[0156] Additionally, the processor (200) checks whether the collected multiple payment methods are all valid or whether payments can be processed in order. For example, if the first payment method is unavailable, it reviews whether the next payment method can be used.

[0157] Subsequently, if payment is possible using multiple payment methods, the processor (200) proceeds with payment using multiple payment methods according to the collected payment order. In the embodiment, the processor (200) checks balance information including the card limit, account balance, and deposit balance of the user who generated the payment event, and compares the balance information with the payment amount of the payment event to set a divided amount to be divided into each payment method.

[0158] To this end, the processor (200) collects and verifies information regarding the card limit, account balance, and deposit balance of the user who triggered the payment event. This information may include the maximum amount available for each payment method (card limit, account balance, deposit balance). Subsequently, the processor (200) compares the total payment amount required in the payment event with the collected balance information for each payment method. If the payment amount exceeds the balance of a single payment method, it is determined that split payment is required. Subsequently, the maximum amount available for payment with each payment method is verified. If the first payment method is a card, the processor (200) first deducts the maximum amount available from the card to set the corresponding amount. Subsequently, if there is a remaining payment amount, the amount required additionally can be deducted from the second payment method (e.g., bank transfer) to set the amount.

[0159] If there is a remaining amount, you can complete the installment payment by setting the remaining amount in the third payment method (e.g., deposit).

[0160] In addition, in the embodiment, the processor (200) can proceed with payments sequentially based on the split amount set for each payment method. For example, payments can be made by splitting 50% from the card, 30% from the account, and 20% from the deposit.

[0161] In the embodiment, the processor (200) checks whether payment of the split amount set for all payment methods has been successfully made. In the embodiment, if payment fails in one payment method, the processor (200) processes the payment by deducting an additional amount from another payment method to complete the payment.

[0162] In an embodiment, the processor (200) can allocate the balance of the payment amount after card payment as the account transfer amount if the payment order is card payment followed by account transfer and the payment amount is greater than the card limit.

[0163] To this end, when a payment event occurs, the processor (200) first compares the payment amount with the user's card limit. If the card limit is smaller than the payment amount, the total payment amount cannot be paid by card, so balance processing is required. The maximum amount that can be paid within the card limit is set. That is, if the card limit is 1 million won and the payment amount is 1.5 million won, 1 million won is paid first by card. Afterwards, the processor (200) calculates the remaining balance by subtracting the amount paid by card from the total payment amount. In the above example, 500,000 won, which is 1.5 million won minus 1 million won, becomes the remaining balance. Afterwards, the calculated remaining balance is allocated as an amount to be paid via bank transfer. In this case, 500,000 won becomes the amount to be paid via bank transfer. Afterwards, the payment is completed by transferring the set balance amount (500,000 won) from the user's account.

[0164] Afterward, the processor (200) checks whether both card payment and account transfer have been successfully completed. When all payment steps are completed, the payment process is terminated. In the embodiment, if the payment amount exceeds the card limit, the processor (200) may complete the payment by making the maximum payment within the card limit and then allocating the remaining amount via account transfer.

[0165] Additionally, the processor (200) determines that the payment order is card payment followed by account transfer, and if the payment amount exceeds the sum of the card limit and the account balance, it settles the remaining amount after settling the payment amount via card and account transfer as a deposit.

[0166] To this end, the processor (200) checks the payment amount and the user's card limit, account balance, and deposit balance. Then, the processor (200) determines the maximum usable amount for each payment method and generates a payment strategy. First, the maximum amount that can be paid within the card limit is set. For example, if the payment amount is 2 million won and the card limit is 1 million won, 1 million won is paid first using the card. Then, the remaining amount after the card payment is calculated. In this case, 1 million won remains after subtracting the 1 million won paid by the card from 2 million won. Next, the maximum amount that can be paid using the account balance is set from this remaining amount. For example, if the account balance is 600,000 won, this 600,000 won is paid via bank transfer. Then, the remaining balance after payment via card and bank transfer is calculated. In this case, the remaining amount is 2 million won - 1 million won (card) - 600,000 won (bank transfer) = 400,000 won. In the embodiment, the processor (200) allocates the remaining 400,000 won from the above embodiment as a deposit payment. Subsequently, the remaining 400,000 won is paid using the deposit balance. Subsequently, the processor (200) checks whether the card, bank transfer, and deposit payments have all been successfully completed. When all payment steps are completed, the payment process is terminated. Through this, the embodiment enables the payment to be completed by sequentially utilizing the card, bank transfer, and deposit even if the payment amount exceeds the card limit and the account balance.

[0167] Additionally, if the payment order is account transfer followed by card payment and the payment amount exceeds the daily limit of the account transfer, the processor (200) pays up to the daily limit via account transfer and then pays the remaining amount after deducting the daily limit from the payment amount via card.

[0168] To this end, when a payment event occurs, the processor (200) first checks the user's daily account transfer limit. Then, it checks whether the payment amount exceeds the daily account transfer limit and sets the maximum amount that can be paid via account transfer within the daily limit. For example, if the daily account transfer limit is 1 million won and the payment amount is 1.5 million won, 1 million won is paid via account transfer first.

[0169] Afterward, the processor (200) calculates the remaining balance by subtracting the amount paid via bank transfer from the total payment amount. In the example above, after paying 1 million won via bank transfer from 1.5 million won, the remaining balance becomes 500,000 won. In the embodiment, this remaining 500,000 won is allocated for card payment. Afterward, the processor (200) pays the remaining 500,000 won by card. Afterward, the processor (200) checks whether both the bank transfer and the card payment have been successfully completed. When all payment steps are completed, the payment process is terminated.

[0170] In the embodiment, the processor (200) enables the payment to be completed by combining account transfer and card payment even when the payment amount exceeds the daily account transfer limit.

[0171] Additionally, the processor (200) checks whether the first business operator can make a payment, proceeds with the payment according to the payment order, and if account transfer and deposit payment are required, transfers the payment amount to the agreed account via account transfer and deposit.

[0172] To this end, the processor (200) checks the validity and balance information of the payment method provided by the first business operator to determine whether payment is possible. If payment is confirmed to be possible, payment is processed according to a designated payment order (e.g., deposit after account transfer). Subsequently, the processor (200) sets the amount to be paid via account transfer from the total payment amount. For example, if the total payment amount is 1 million won and 600,000 won of it needs to be paid via account transfer, preparations are made to transfer this amount to the agreed account. Additionally, if an account transfer is required, the corresponding amount is transferred from the user's or the first business operator's account to the designated agreed account. This transfer process can be processed automatically through a bank's API or a payment gateway.

[0173] Additionally, in the embodiment, if there is a remaining payment amount after account transfer, the processor (200) sets the amount to be paid using the deposit. In the embodiment, if a deposit payment is required, the amount is transferred from the deposit account of the first business operator to the agreed account.

[0174] Since the deposit is generally an amount pre-charged into the business account, payments are made using the charged deposit balance.

[0175] Afterward, the processor (200) checks whether the amount paid via account transfer and deposit has been successfully transferred to the agreed account. After all transfers are completed, it notifies the user or the first business operator that the payment process is complete.

[0176] If an error occurs during account transfer or deposit remittance, the processor (200) may include retry logic to handle it. If necessary, it may notify the user of the payment failure and request whether to use another payment method. Through this, the processor (200) can proceed with account transfer and deposit payment according to the payment order and accurately remit the required amount to the agreed account.

[0177] Additionally, the processor (200) transfers the payment amount from the agreed account to the account group of the second business operator according to the deposit setting information of the account group. In the embodiment, the account group may include the payment amount of the first business operator and one or more account information received from the second business operator. Additionally, in the embodiment, the deposit setting information may be selected as account information of one of the plurality of accounts. Additionally, the deposit setting information includes deposit amount limit information for each of the plurality of accounts.

[0178] To this end, the processor (200) checks account group information related to the second business operator. This account group includes payment amounts from the first business operator and one or more account information received from the second business operator. Subsequently, the processor (200) checks deposit setting information set in the account group. This information includes information for selecting one of multiple accounts and information on deposit amount limits for each account. Subsequently, the processor (200) selects one account from among the multiple accounts to proceed with the transfer based on the deposit setting information. In the embodiment, the selection criteria vary according to the deposit setting information; for example, the most appropriate account may be selected by considering the deposit limit of each account. Subsequently, the processor (200) sets the maximum amount that can be transferred from the agreed account to the selected account based on the deposit amount limit information for the selected account. If the payment amount exceeds the deposit amount limit, the transfer is made only within the limit, and if necessary, additional transfers to other accounts may be made. Subsequently, the processor (200) transfers the set transfer amount from the agreed account to the selected account of the second business operator. In the embodiment, once the remittance is completed, the remaining payment amount can be additionally transferred to another account if necessary.

[0179] The processor (200) checks whether all transfers have been completed and reviews whether the payment amount has been correctly distributed within the account group of the second business operator. In an embodiment, the processor (200) can accurately and efficiently transfer the payment amount from the agreed account to the account group of the second business operator based on deposit setting information and account group information.

[0180] Additionally, if the payment order is not set, the processor (200) includes the unpaid amount in the accounts receivable information.

[0181] To this end, when a payment event occurs, the processor (200) checks whether a payment order has been set. At this stage, it detects that a payment order has not been set.

[0182] Subsequently, the amount for which payment has not been processed because the payment order has not been set, i.e., the unpaid amount, is checked. This amount is the total amount to be paid minus the amount already paid. Subsequently, the processor (200) checks the existing outstanding receivables information. The outstanding receivables information is used to track the amount that has not been paid to date for the corresponding payment event or customer (first business operator).

[0183] The current outstanding amount is added to the outstanding amount information. Through this, the outstanding amount is recorded as outstanding, and this is processed later when the payment order is set or payment is made in a different way. Afterwards, the processor (200) stores the updated outstanding amount information so that it can be referenced in subsequent payment events. The outstanding amount information serves to track the amount remaining without payment and can be linked with an accounting system or a customer management system. If necessary, a notification related to the outstanding amount information can be sent to the first business operator to request the setting of the payment order or payment processing.

[0184] Additionally, the processor (200) processes the amount included in the accounts receivable information when the payment order is set or when the payment procedure proceeds in a different way. Subsequently, when making a payment, the unpaid amount can be processed preferentially by referring to this accounts receivable information. Through this procedure, the processor (200) effectively manages the unpaid amount even when the payment order is not set, and includes it in the accounts receivable information so that it can be processed later.

[0185] In the embodiment, information regarding account transfer includes receiving an account unique key from the Korea Financial Payment System that enables the transfer of the first business operator, and information regarding card payment includes a billing key generated at an administrator terminal for the card payment of the first business operator.

[0186]

[0187] The embodiments described above may be implemented as hardware components, software components, and / or combinations of hardware and software components. For example, the devices, methods, and components described in the embodiments may be implemented using a general-purpose computer or a special-purpose computer, such as, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), a programmable logic unit (PLU), a microprocessor, or any other device capable of executing and responding to instructions. The processing unit may execute an operating system (OS) and software applications executed on said operating system. Additionally, the processing unit may access, store, manipulate, process, and generate data in response to the execution of the software. For ease of understanding, the processing unit may be described as being used as a single unit, but those skilled in the art will understand that the processing unit may include multiple processing elements and / or multiple types of processing elements. For example, the processing unit may include multiple processors or one processor and one controller. In addition, other processing configurations, such as parallel processors, are also possible.

[0188] Software may include computer programs, code, instructions, or a combination of one or more of these, and may configure a processing unit to operate as desired or command the processing unit independently or collectively. Software and / or data may be permanently or temporarily embodied in any type of machine, component, physical device, virtual equipment, computer storage medium or device, or transmitted signal wave in order to be interpreted by the processing unit or to provide instructions or data to the processing unit. Software may be distributed over networked computer systems and may be stored or executed in a distributed manner. Software and data may be stored on computer-readable recording media.

[0189] 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 store program instructions, data files, data structures, etc., either individually or in combination, and the program instructions recorded on the medium may be those specifically designed and configured for the embodiment or those 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 recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, and flash memory. Examples of program instructions include machine code, such as that generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc.

[0190] The hardware device described above may be configured to operate as one or more software modules to perform the operation of the embodiment, and vice versa.

[0191] Although the embodiments have been described above with reference to the limited drawings, those skilled in the art can apply various technical modifications and variations based thereon. For example, suitable results may be achieved even if the described techniques are performed in a different order than described, and / or if the components of the described system, structure, device, circuit, etc. are combined or assembled in a form different from described, or replaced or substituted by other components or equivalents.

[0192] Therefore, other implementations, other embodiments, and equivalents to the claims also fall within the scope of the claims set forth below.

Claims

1. In an integrated banking device using fintech, A receiver receiving account information of a second object providing funds from a first object requesting the deposit of funds; and An API (Application Programming Interface) is provided to the second object to generate linkage information corresponding to the account of the second object by linking with the first server that provides financial services based on the above account information, and A processor that withdraws funds from the account of the second object based on the above deposit request and the above linkage information. Includes, The above processor is, In conjunction with the first server, query the account balance of the second object, and If there are outstanding funds because the above account balance does not satisfy the request for the above deposit, a neural network is used to classify the type of bond, bond amount, and whether the bond can be exercised held by the above second object, and Inquiry into the account balance of the third object, which is the debtor of the claim of the second object mentioned above, and Based on the above deposit request, at least one of providing an API, scraping, or crawling is performed in conjunction with the above first server to withdraw outstanding funds from the account of the above third object, and Deposit the aforementioned outstanding funds into the account of the first object via the account of the second object, or Depositing the aforementioned outstanding funds from the account of the third object into the intermediary account, and withdrawing the outstanding funds deposited into the intermediary account into the account of the first object, An integrated banking device characterized by 2. In Paragraph 1, The above linkage information is, It includes the account number of the second object, the balance of the second object's account, and the deposit and withdrawal history of the second object's account, and The above processor is, An API for generating the above-mentioned integration information is provided to the above-mentioned second object, and Storing the linkage information generated by performing scraping or crawling on the second object in conjunction with the first server based on the above API, Integrated banking device.

3. In Paragraph 1, The above processor is, Provide transfer information corresponding to the withdrawal of the funds received from the first server to the first object, and By linking with a second server that performs the issuance of transaction documents related to the funds based on the above transfer information, the above transaction documents are provided to the first object and the second object, and The above transaction documents are, Including at least one of an estimate, tax invoice, and transaction statement related to the above funds, Integrated banking device.

4. In Paragraph 1, The above processor is, In conjunction with the first server, query the account balance of the second object, and If the above account balance satisfies the request for the above deposit, funds are withdrawn from the account of the second object by performing at least one of providing an API, scraping, or crawling in conjunction with the above first server, and Depositing funds withdrawn from the account of the second object into an intermediary account, and withdrawing funds deposited into the intermediary account into the account of the first object. Integrated banking device.

5. In Paragraph 1, The above processor is, In conjunction with the first server, query the account balance of the second object, and If there are outstanding funds because the above account balance does not satisfy the request for the above deposit, search for one or more additional registered accounts of the above second object, and If one or more of the above additional registered accounts exist, at least one of providing an API, scraping, or crawling is performed in conjunction with the above first server to withdraw the above outstanding funds from the account of the above second object, and If the above one or more additional registered accounts do not exist, providing transfer suspension information to the above first object, Integrated banking device.

6. In Paragraph 5, The above processor is, If outstanding funds exist because the amount withdrawn from one or more of the above additional registered accounts does not satisfy the request for the above deposit, A first balance inquiry cycle is set for inquiring about the balances of one or more additional registered accounts mentioned above, and If the balance corresponding to the outstanding funds is not found within the first balance inquiry period, a second balance inquiry period shorter than the first balance inquiry period is set, and If the second balance inquiry cycle is shorter than the threshold cycle or has exceeded the preset withdrawal deadline, providing the first object with an option to perform forced execution on the second object. Integrated banking device.

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